cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Muammar
Contact Email
jurnal_alkharaj@iain-bone.ac.id
Phone
+6285299936391
Journal Mail Official
alkharaj21@gmail.com
Editorial Address
Jl. HOS Cokroaminoto Watampone Kabupaten Bone, Sulawesi Selatan INDONESIA
Location
Kab. bone,
Sulawesi selatan
INDONESIA
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi
Published by Institut Agama Islam Negeri Bone
ISSN : 27970787     EISSN : 2798009X     DOI : https://doi.org/10.30863/alkharaj
Core Subject : Religion,
Religion
Al-Kharaj contains several studies and reviews on Sharia Economic Law which includes Economic Law, Fiqh Muamalah, and Sharia Economics also includes many studies on law in a broader sense.
Arjuna Subject : Umum - Umum
Articles 60 Documents
 2   3   4   5   6 
DETERMINAN MINAT BERWIRAUSAHA GEN Z PROVINSI RIAU: Pengaruh Literasi Digital, Self Efficacy dan Risk Tolerance Yuni, Dichi Selma; Nuriyah, Aminah
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.8675

Abstract

This study aims to determine and analyze the influence of digital literacy on the entrepreneurial interest of Gen Z in Riau Province, the influence of self efficacy on the entrepreneur6ial interest of Gen Z in Riau Province, and the influence of risk tolerance on the entrepreneurial interest of Gen Z in Riau Province. The method used in this study is a quantitative method. The population in this study were all Gen Z (aged 15-27 years) from Riau Province. The sampling technique in this study was using a purposive sampling technique with a total of 190 respondents. The data collection technique was by distributing a Google Form questionnaire to Gen Z in Riau Province. This study uses descriptive statistical data analysis techniques, statistical analysis in this study was using SMARTPLS 4 software to process data and data analysis methods using Partial Least Square Structural Equation Modelling (PLS-SEM). The result of this study indicate that partially the variables of digital literacy, self efficacy and risk tolerance have a positive and significant effect on the entrepreneurial interest of Gen Z in Riau Province.
PENGARUH FEAR OF MISSING OUT (FOMO), PERILAKU PEMBELIAN IMPULSIF, DAN MEDIA SOSIAL TERHADAP MINAT BELI BELANJA ONLINE PADA GENERASI Z Mandira, Ayu; Zaerofi, Afif
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.8840

Abstract

This study was conducted to determine how much influence Fear of Missing Out (Fomo), Impulsive Buying, and Social Media have on online shopping interest in generation Z. The research method uses a causal quantitative method. The population used is generation Z with a sample of 170 respondents selected using purposive sampling techniques, where data was collected through a Google Form questionnaire and distributed to generation Z. The data used was analyzed using SPSS. The result of this study indicate that (1) Fear of Missing Out (FoMO) has a positive and significant effect on online shopping interest in generation Z (2) Impulsive Buying has a negative and insignificant effect on online shopping interest in generation Z (3) Social Media has a positive and significant effect on online shopping interest in generation Z (4) Fear of Missing Out (FoMO), Impulsive Buying, and Social Media have a simultaneous effect on online shopping interest in generation Z.
DIGITALISASI MOBILE BANKING BSI DI ERA DIGITAL : STRATEGI, TANTANGAN, DAN PELUANG Zulkipli, Zulkipli; Mas’ud, Riduan; Aziz, Ahmad Amir; Azkar, Muh.; Wajdi, Farid
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.8977

Abstract

This study aims to analyze the digitalization strategies of mobile banking services implemented by Bank Syariah Indonesia (BSI) and to identify the challenges and opportunities arising from the digital transformation process grounded in Sharia principles. This research employs a qualitative method with a literature review approach, drawing from scholarly journals, reputable articles, and official documents from relevant financial institutions. The findings reveal that BSI adopts three primary strategies in its digitalization efforts: (1) post-merger technology integration, (2) service innovation through the BSI Mobile application, and (3) internal business process transformation. However, several challenges persist, including low levels of digital literacy among the population, limited infrastructure in frontier, outermost, and underdeveloped (3T) regions, competition with conventional digital banks, and the need to ensure Sharia compliance in technological features. On the other hand, BSI holds strategic opportunities to enhance financial inclusion, target the millennial demographic, and actively contribute to the development of a halal digital economic ecosystem through the innovation of Sharia-compliant financial products. With proper management, this digital transformation has the potential to position BSI as a pioneering, adaptive, competitive, and sustainable digital Islamic bank.
ANALISIS KINERJA BANK MUAMALAT INDONESIA (BMI) DENGAN PENDEKATAN SYARIAH MAQSHID INDEX (SMI) WAHYUNI, DEPI PUTRI; SETIAWAN, ROMI ADETIO; MAKMUR, MAKMUR
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.9193

Abstract

This study aims to analyze and evaluate the performance of Bank Muamalat Indonesia (BMI) during the 2019–2023 period using the Sharia Maqasid Index (SMI). The research applies a descriptive quantitative approach with secondary data obtained from BMI’s annual reports. The analysis was conducted using the index number method developed by Mohammed et al. (2008), covering three maqasid shariah dimensions: Tahdzib al-Fard (individual education), Iqamah al-Adl (establishing justice), and Jalb al-Maslahah (realizing welfare). The results reveal that BMI’s performance remains fluctuating, with the highest score in 2022 (0.9210) and a significant decline in 2023 (0.4235). The justice dimension appeared as the strongest, while individual education and welfare showed persistent weaknesses due to the lack of sustainable human resource development, limited zakat and CSR distribution, and insufficient financing for the real sector. These findings indicate that BMI’s implementation of maqasid shariah has not been consistent and requires strategic improvement. The recommended strategies include consistent budget allocation for training and Islamic financial literacy programs, strengthening the role of the Sharia Supervisory Board to enhance transparency in financing, and expanding social contributions through zakat, CSR, and financing in productive sectors such as SMEs and the halal industry. By adopting these measures, Islamic banking is expected to become not only financially competitive but also socially relevant and sustainable.
DESAIN BATIK BERBASIS KEARIFAN LOKAL: INOVASI KREATIF DALAM MEWUJUDKAN KEMANDIRIAN EKONOMI PESANTREN Nailatur Rohmah; Ah. Shibghatullah Mujaddidi
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.10376

Abstract

Islamic boarding schools play a vital role in fostering economic independence through the development of creative industries rooted in local wisdom. This study focuses on Darussalam Islamic Boarding School, Billapora Timur, Sumenep, which initiated a batik enterprise known as Batik Gungsumi. The innovation utilizes ancient local manuscripts as the source of inspiration for batik motifs, producing cultural and spiritual values alongside economic benefits. Employing a qualitative descriptive approach, data were collected through interviews, observations, and documentation involving school leaders, students, and alumni engaged in the batik business. The findings indicate that Batik Gungsumi significantly contributes to pesantren’s economic independence by generating sustainable income, creating job opportunities, and enhancing students’ entrepreneurial skills. Moreover, the creative reinterpretation of manuscript-based motifs strengthens cultural identity and improves competitiveness within the creative industry. Consequently, Batik Gungsumi serves not only as an instrument of pesantren’s economic empowerment but also as a medium for cultural preservation and a learning platform that balances religious education with entrepreneurship in facing modern challenges.
POTRET KEADILAN DISTRIBUTIF: KONTRIBUSI ZAKAT DAN INFAK DALAM MEREDUKSI KETIMPANGAN PENDAPATAN DI INDONESIA Anam, Ahmad Muhammad Khoirul; Muhlis
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.10496

Abstract

Income inequality is a crucial structural issue in Indonesia's development, marked by a trend in the Gini Ratio that has remained relatively stagnant around 0.38 since 2020. This condition indicates that conventional policy interventions have not been entirely effective, necessitating alternative instruments of distributive justice, namely Zakat and Infaq, which are theoretically designed to redistribute wealth from the affluent (aghniya) to the rightful recipients (mustahik). This study aims to empirically analyze the role of Infaq Receipts (X1), Infaq Disbursement (X2), Zakat Receipts (X3), and Zakat Disbursement (X4) on the Gini Ratio (Y) as a proxy for income inequality in Indonesia.Using the multiple linear regression analysis method on time series data, the results show that the regression model is simultaneously significant in affecting the Gini Ratio (Sig.=0.037) with a strong predictive power (R Square=0.830). This indicates that 83.0% of the variation in inequality can be explained by Zakat and Infaq activities. However, partially (t-test), most variables do not significantly influence the Gini Ratio (X1, X3, and X4), suggesting that the current volume or mechanism of Zakat and Infaq funds is not yet statistically strong or efficient enough to significantly reduce widespread inequality. The only variable showing an indication of influence is Infaq Disbursement (X2), which is significant at α=0.10 (Sig.=0.076), but with a positive coefficient (B=0.001). This counter-intuitive finding highlights the need for an in-depth review of the effectiveness and targeting of Infaq disbursement, which might still be oriented towards short-term consumption, thus failing to fundamentally narrow the economic gap. This research recommends strengthening the strategic disbursement of Zakat and Infaq towards productive programs to maximize their contribution to realizing distributive justice in Indonesia.
PENENTUAN HARGA JAGUNG DALAM KETERIKATAN MODAL PERSPEKTIF HUKUM EKONOMI SYARIAH Indah, indah; A. Kumedi Ja’far; Herlina Kurniati
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.10543

Abstract

The practice of agricultural trade under a capital-binding system is still widely found in Tekad Village, Pulau Panggung District, Tanggamus Regency. In this system, farmers receive capital in the form of seeds or production supplies from middlemen; however, in return, they are obliged to sell their harvests back to the lenders at prices unilaterally determined. This situation creates an imbalance, as the prices received by farmers are lower than the market value, causing economic disadvantages and raising questions of fairness in such transactions. This study aims to examine the pricing mechanism in the sale and purchase of corn within the capital-binding system and to assess whether the practice aligns with the principles of Islamic economic law. The findings reveal that corn prices are set solely by the middlemen, averaging IDR 4,000 per kilogram, while the market price reaches IDR 4,800 per kilogram. Although some farmers accept these conditions because they feel helped by the initial capital, the practice essentially reduces their rightful profit. From the perspective of Islamic economic law, such unilateral price determination does not reflect the principles of justice and mutual consent that should underpin transactions in muamalah. Therefore, this system needs improvement to ensure greater fairness and compliance with Sharia values.
MODEL PEMANFAATAN DANA ZAKAT UNTUK PENGEMBANGAN START-UP HALAL BERBASIS EKONOMI KREATIF DI INDONESIA Nurhalifah, Nurhalifah
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.10544

Abstract

This study discusses the potential, role, and conceptual model of utilizing productive zakat funds integrated with creative economy principles as a strategy for empowering the economy of the Muslim community. Zakat not only functions as a social distribution instrument but also has great potential to promote economic independence through strengthening the creative sector and halal start-ups. Zakat institutions act as facilitators and catalysts in connecting zakat funds with creative entrepreneurs through financing, training, and sharia-based mentoring. The main challenges lie in managerial aspects, inter-institutional collaboration, and the digital literacy of mustahik (zakat recipients). This study uses a qualitative-descriptive approach with a conceptual research design based on library research. This study offers a conceptual model of “Creative Baznas Hub” based on four main pillars, namely innovation, collaboration, empowerment, and sustainability. This model aims to create a synergistic ecosystem between zakat institutions, the government, and the creative industry to produce sustainable socio-economic impacts. The results of the study show that the integration of zakat with the creative economy can strengthen the sharia economy, expand employment opportunities, and support the achievement of sustainable development goals (SDGs).
THE PHILOSOPHICAL AND LEGAL FOUNDATIONS OF HALAL PRODUCT LEGISLATION IN INDONESIA: A SYARI‘AH AND POSITIVE LAW PERSPECTIVE Abd. Hafid; Siradjuddin; Dwi Ayu Permitasari, Rika; Zubair, Asni; Firdaus, Firdaus; Asdiansyah
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.10664

Abstract

Indonesia, as the world's largest Muslim-majority nation, represents a unique case in integrating Sharī‘ah principles into national legal frameworks, particularly in the regulation of halal products. With more than 86 percent of its population adhering to Islam, the demand for halal assurance is not merely a matter of religious observance but a fundamental consumer right embedded within both moral philosophy and constitutional Law. This article explores the philosophical and legal foundations of halal product legislation in Indonesia through a dual perspective—Sharī‘ah and positive Law. The study employs a normative-empirical approach grounded in maqāṣid al-sharī‘ah analysis and legal positivism, examining how these epistemic frameworks converge in Law No. 33 of 2014 concerning Halal Product Assurance (Undang-Undang Jaminan Produk Halal, UU JPH). It further analyzes the institutional synergy between the Ministry of Religious Affairs, the Halal Product Assurance Organizing Agency (Badan Penyelenggara Jaminan Produk Halal, BPJPH), and the Indonesian Ulema Council (MUI), assessing their shared role in enforcing ethical-economic equilibrium. Empirical data from 2019 to 2025 reveal that Indonesia's halal-certified products and exports have increased significantly, reflecting the effectiveness of the hybrid regulatory model. The findings highlight that the Indonesian halal system, while rooted in Islamic jurisprudence, also embodies constitutional rationality, where the State plays an active role in safeguarding the moral economy through Law. Ultimately, this research concludes that Indonesia's halal legislation manifests the synthesis of divine command ethics and public policy rationalism, symbolizing the philosophical unity between religion and State in protecting human dignity and consumer welfare.
EKSISTENSI MAYSIR DI KABUPATEN GORONTALO Khair, Fathul; Hasri, Muammar; Suleman, Abdul Majid
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.10665

Abstract

Gorontalo as the Veranda of Medina is one of the reasons for having cultural and customary values ​​that are closely related to the Qur'an and Islam. The practice of maysir that has begun to exist in the Gorontalo Regency community is contrary to the culture and customs of Gorontalo which are based on the Qur'an. This study aims to explain the form of maysir practice in Gorontalo Regency and explain the causes of maysir practice in Gorontalo Regency. This study is a qualitative study. Two forms of maysir or gambling that are often carried out by the Gorontalo Regency community are boat racing and kite games. Kite games and boat racing in Gorontalo Regency are maysir because they fulfill the four elements of maysir. The two implementations of maysir in Gorontalo Regency have several similarities and also have several of the same causes. The perpetrators of maysir in Gorontalo Regency are not equipped with good and correct religious knowledge. Furthermore, although the majority of Gorontalo society is now Muslim, rejection of Islam in Gorontalo also occurred and continues to this day, one of which is the implementation of maysir which occurred in Gorontalo Regency. Coupled with the influence of parties from outside the Gorontalo society who provide understandings that are not in accordance with Gorontalo customs.

Page 6 of 6 | Total Record : 60

 2   3   4   5   6 

Filter by Year

2021 2025


Reset
Filter By Issues
All Issue Vol. 5 No. 2 (2025): Desember 2025 Vol. 5 No. 1 (2025) Vol. 4 No. 2 (2024) Vol. 4 No. 1 (2024) Vol. 3 No. 2 (2023) Vol. 3 No. 1 (2023) Vol 3, No 1 (2023) Vol. 2 No. 2 (2022) Vol 2, No 2 (2022) Vol 2, No 1 (2022) Vol 1, No 2 (2021) Vol 1, No 1 (2021) More Issue