Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesia, Turkey and Egypt)

Articles

• The Influence of Work Discipline and Work Enthusiasm on Employee Performance At The Office of The Employment Social Security Organizing Agency (BPJS) of Palopo City

  Nurafni Sofyan,  Universitas Muhammadiyah Palopo,  Indonesia

  Suparni Sampetan,  Universitas Muhammadiyah Palopo,  Indonesia

  Andi Rizkiyah Hasbi,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6568 Abstract View : 0 pdf downloads: 51

• The Influence of Budget Literacy And Financial Inclusion on The Performance of Umkm in Palopo City

  Fitri,  Universitas Muhammadiyah Palopo,  Indonesia

  Rifqa Ayu Dasila,  Universitas Muhammadiyah Palopo,  Indonesia

  Riyanti,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6469 Abstract View : 0 pdf downloads: 67

• Product Innovation Strategy in Increasing the Competitiveness of MSMEs in the Digital Era

  Muhammad Irfan,  Universitas Duta Bangsa Surakarta,  Indonesia

  Agus Suyatno,  Universitas Duta Bangsa Surakarta,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6749 Abstract View : 0 pdf downloads: 38

• The Impact of Training and Career Development on Employee Retention at the North Wara Health Center

  Jusnita,  Universitas Muhammadiyah Palopo,  Indonesia

  Indra Kusdarianto,  Universitas Muhammadiyah Palopo,  Indonesia

  Dirham,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6569 Abstract View : 0 pdf downloads: 43

• Analysis Policy Overtime And Culture Organization To Employee Performance Bank Syariah Indonesia (BSI) PALOPO Branch Office

  Muh. Hidayat Yasruddin,  Universitas Muhammadiyah Palopo,  Indonesia

  Saharuddin,  Universitas Muhammadiyah Palopo,  Indonesia

  Sari Ratna Dewi,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6546 Abstract View : 0 pdf downloads: 42

• Analysis of Incoterms and Payment Terms Preferences for Export Transactions Among Exporters: A Case Study Using an Online Survey

  Nur Muhammad Abdillah,  Universitas Islam Negeri Maulana Malik Ibrahim Malang,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6843 Abstract View : 0 pdf downloads: 32

• The Influence Of Lifestyle, Financial Intelligence, And Social Environment On Financial Behavior (Survey On Students Receiving The Indonesian Smart Card Scholarship At Muhammadiyah University Sukabumi)

  Nurul Jauza Putri,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Tetty Sufianty zafar,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Nor Norisanti,  Universitas Muhammadiyah Sukabumi,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6748 Abstract View : 0 pdf downloads: 24

• The Influence of Perceived Ease of Use, Risk And Financial Ability on Transaction Interest In Using Tiktok Paylater on Students In Sukabumi City

  Aliya Nurfauzia,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Dicky Jhoansyah,  Universitas Muhammadiyah Sukabumi,  Indonesia

  R. Deni Muhammad Danial,  Universitas Muhammadiyah Sukabumi,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6753 Abstract View : 0 pdf downloads: 34

• The Effect of Investment Motivation, Investment Knowledge, Return Perception And Brand Ambassador on Investment Interest In Hybe Corporation Stock (Survey on Followers of Bts Army Indonesia Social Media Account on Twitter)

  Indah Khoiriyah,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Nor Norisanti,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Resa Nurmala,  Universitas Muhammadiyah Sukabumi,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6754 Abstract View : 0 pdf downloads: 33

• The Influence Of Digital Finance, Financial Literacy, And Financial Inclusion On Debt Behavior Of Millenials

  Deria Cahya Fitriadi,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Dicky Jhoansyah,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Resa Nurmala,  Universitas Muhammadiyah Sukabumi,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6783 Abstract View : 0 pdf downloads: 57

• Analysis of Restaurant Popular Reputation on Customer Satisfaction With Customer Review As A Mediation Variable

  Ulfah Siti Lathiifah,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Asep Muhamad Ramdan,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Sopyan Saori,  Universitas Muhammadiyah Sukabumi,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6813 Abstract View : 0 pdf downloads: 34

• Analysis of Service Quality on Subscription Decisions with Customer Satisfaction as a Mediation Variable (Survey on the Community of Sukabumi City Users of IndiHome Internet Services)

  Nurul Fitriani,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Erry Sunarya,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Kokom Komariah,  Universitas Muhammadiyah Sukabumi,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6919 Abstract View : 0 pdf downloads: 29

• The Influence of Internal Control and Probity Audit on Fraud Prevention in Procurement of Goods and Services (Study at the Palopo City Inspectorate Office)

  Tiara Madani. B,  Universitas Muhammadiyah Palopo,  Indonesia

  Andika Rusli,  Universitas Muhammadiyah Palopo,  Indonesia

  Sahrir,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6483 Abstract View : 0 pdf downloads: 34

• Green Marketing Analysis of Fore Coffee Purchasing Decisions With Green Products as Mediating Variables (Survey on Fore Coffee Consumers In The City of Sukabumi)

  Aufa Salwa Hidayat,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Dicky Jhoansyah,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Kokom Komariah,  Universitas Muhammadiyah Sukabumi,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6973 Abstract View : 0 pdf downloads: 30

• Analysis of Green Marketing on Purchasing Decisions for Ades mineral water and Brand Image as an Intervening variable (Survey on Ades mineral water consumers in Sukabumi City)

  Nashif Fauzan Abdillah,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Asep Muhamad Ramdan,  Universitas Muhammadiyah Sukabumi,  Indonesia

  Resa Nurmala,  Universitas Muhammadiyah Sukabumi,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6972 Abstract View : 0 pdf downloads: 24

• Loyalty Within the Dynamics of Compensation and Career Development Through the Role of Social Support for Innovative Employees at Bank Muamalat Regional East Java

  Mochammad Syafi'udin Nuha,  Universitas Islam Malang,  Indonesia

  Ronny Malavia Mardani ,  Islamic University of Malang,  Indonesia

  Muhammad Ridwan Basalamah,  Islamic University of Malang,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6771 Abstract View : 0 pdf downloads: 23

• The Moderating Role of the Sharia Supervisory Board in Detecting Fraud Opportunities in Islamic Banking Financial Reports Using the Fraud Hexagon Approach

  Zainuddin,  Institut Agama Islam Negeri Palopo,  Indonesia

  Muhammad Ikram. S,  Institut Agama Islam Negeri Palopo,  Indonesia

  Wahyu Hasdi,  Institut Agama Islam Negeri Palopo,  Indonesia

  Nurun Nuraini,  Institut Agama Islam Negeri Palopo,  Indonesia

  Didin Purniawan,  Institut Agama Islam Negeri Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6371 Abstract View : 0 pdf downloads: 19

• Tradition of Gratitude (Slametan) before Starting a Business and Whening a Success: A Business Ethics Perspective in Pamekasan, Madura

  Nafilatun Khoirun Nisa',  Universitas Islam Negeri Madura,  Indonesia

  Fadllan Fadllan,  Universitas Islam Negeri Madura, Indonesia,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6999 Abstract View : 0 pdf downloads: 19

• The Meaning Of Village Fund Financial Accountability In Lembang Buntu La'bo' (A Phenomenology Study)

  Yohanis Lotong Ta’dung,  Universitas Kristen Indonesia Toraja,  Indonesia

  Dwibin Kannapadang,  Universitas Kristen Indonesia Toraja,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.7089 Abstract View : 0 pdf downloads: 20

• ESG and Financial Risk in ASEAN-5: Mediating Role of Financial Constraints

  Nurul Farida Azmi,  University Indonesia,  Indonesia

  Nur Dhani Hendranastiti,  University Indonesia,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.7071 Abstract View : 1 pdf downloads: 36

• Analysis of the Influence of Transaction Management Information System and Service Quality on Shopee E-Commerce Customer Satisfaction (Case Study on Belitung Polytechnic Students)

  Tulas Novalima,  Politeknik Belitung, Indonesia,  Indonesia

  Fatimah Muthmainnah,  Politeknik Belitung, Indonesia,  Indonesia

  Eka Indah Wahyuni,  Politeknik Belitung, Indonesia,  Indonesia

  Hafizd Ardiansyah,  Politeknik Belitung, Indonesia,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6905 Abstract View : 0 pdf downloads: 13

• The Influence of Employee Information System, Employee Competence and Person-Jobfit on the Performance of XYZ Health Center Employees with Job Satisfaction as a Mediation Variable

  Erlysa Asmara,  Universitas Hayam Wuruk Perbanas Surabaya,  Indonesia

  Ika Yunia Fauzia,  Universitas Hayam Wuruk Perbanas Surabaya,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.7043 Abstract View : 0 pdf downloads: 11

• The Influence of Work-Life Balance and Work Environment on Gen Z Employee Loyalty in Indonesia

  Rounia Hajjar .S,  Telkom University,  Indonesia

  Fetty Poerwita Sary,  Universitas Telkom,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.7214 Abstract View : 2 pdf downloads: 39

• Analysis of The Influence of Digital Marketing And Brand Image on The Interest of Generation Z in Investing in Gold in Islamic Financial Institutions

  Heny Indriyani,  Universitas Islam Negeri sumatera utara,  Indonesia

  Muhammad Syahbudi,  Universitas Islam Negeri sumatera utara,  Indonesia

  Nurwani,  Universitas Islam Negeri sumatera utara,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.7063 Abstract View : 3 pdf downloads: 18

• The Effect of Inventory Intensity, Institutional Ownership, and Capital Intensity on Tax Avoidance (Study on Non-Cyclical Consumer Sector Multinational Companies Listed on the IDX for the 2019-2023 Period)

  Fachrezi Anantaprima,  Universitas Teknologi Yogyakarta,  Indonesia

  surifah,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6997 Abstract View : 0 pdf downloads: 31

• The The Influence of Social Environment and Income on Motivation to Play Online Gambling (Slot) in Medan Helvetia District

  Dimas Ardiansyah,  State Islamic University of Sumatera Utara,  Indonesia

  Ahmad Perdana Indra,  State Islamic University of Sumatera Utara, Indonesia ,  Indonesia

  Tuti Anggraini,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6878 Abstract View : 0 pdf downloads: 21

• The Effect of Shopee's Payment Methods and Twin Date Promotions on Shopping Decisions on the Shopee Application

  zieo,  Faculty of Economics and Islamic Business, State Islamic University of Sumatera Utara,  Indonesia

  Tri Inda Fadhila,  Faculty of Economics and Islamic Business, State Islamic University of Sumatera Utara,  Indonesia

  santri,  Faculty of Economics and Islamic Business, State Islamic University of Sumatera Utara,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6894 Abstract View : 1 pdf downloads: 31

• Mitigation Strategy For Subsidized Mortgage Financing at Bank Sumut Syariah Medan Ringroad Sharia Branch Office

  shofwan hafiz siregar,  State Islamic University of North Sumatra,  Indonesia

  Syakir,  State Islamic University of Sumatera Utara, Indonesia ,  Indonesia

  Aqwa,  State Islamic University of Sumatera Utara, Indonesia ,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6906 Abstract View : 0 pdf downloads: 10

• Unraveling the Roots of Employee Turnover Intention at Bank Muamalat: Workload, Compensation, or Lack of Motivation ?

  Rista Puji Kasprianti,  Univesitas Islam Malang,  Indonesia

  Ronny Malavia Mardani,  Islamic University of Malang,  Indonesia

  Muhammad Ridwan Basalamah ,  Islamic University of Malang,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.7082 Abstract View : 0 pdf downloads: 11

• Work-Life Balance as a Key to Enhancing Employee Performance: An Analysis of the Mediating Role between Motivation and Work Stress at Bank Muamalat East Java Regional Office

  Monika Fatmasari,  Univesitas Islam Malang,  Indonesia

  Ronny Malavia Mardany,  Islamic University of Malang,  Indonesia

  Muhammad Ridwan Basalamah,  Islamic University of Malang,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6984 Abstract View : 4 pdf downloads: 23

• Determinants of Umrah Pilgrims’ Satisfaction: The Mediating Role of Trust

  Juli Darma Yanti,  Universitas Islam Negeri Imam Bonjol Padang,  Indonesia

  Anisa Tul Fitri,  Universitas Islam Negeri Imam Bonjol Padang,  Indonesia

  Ruri Mustika,  Universitas Islam Negeri Imam Bonjol Padang,  Indonesia

  Aidil Novia,  Universitas Islam Negeri Imam Bonjol Padang,  Indonesia

  Ahmad Wira,  Universitas Islam Negeri Imam Bonjol Padang,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.7106 Abstract View : 1 pdf downloads: 24

• Consumer Behavior of Housewives in Fashion Shopping in Kerinci Regency

  Vivin Nopia Emital,  Imam Bonjol State Islamic University Padang,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.7122 Abstract View : 0 pdf downloads: 10

• The Influence of Work Balance and Organizational Culture on Employee Job Satisfaction at PT Honda Sanggar Laut Palopo

  Umra,  Universitas Muhammadiyah Palopo,  Indonesia

  Muhammad Kasran,  Universitas Muhammadiyah Palopo,  Indonesia

  Samsinar,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6503 Abstract View : 4 pdf downloads: 12

• The Effect of Work-Life Balance and Work Environment on Employee Job Satisfaction at PT Honda Sanggar Laut Palopo

  Nurmala,  Universitas Muhammadiyah Palopo,  Indonesia

  Muhammad Kasran,  Universitas Muhammadiyah Palopo,  Indonesia

  Adil Basir,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6504 Abstract View : 0 pdf downloads: 14

• The Influence of Customer Testimonials and Product Quality on Purchasing Decisions in MSMEs in Pancasila Field, Palopo City

  Nur Azizah,  Universitas Muhammadiyah Palopo,  Indonesia

  Muammar Khaddapi,  Universitas Muhammadiyah Palopo,  Indonesia

  Muhammad Aqsa,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6595 Abstract View : 0 pdf downloads: 13

• The Influence of Social Media Promotion, Service Quality, Branding, and Price on Consumer Satisfaction in RM. Delicious Foods in Palopo City

  Nurpadilla,  Universitas Muhammadiyah Palopo,  Indonesia

  Edi Maszudi,  Universitas Muhammadiyah Palopo,  Indonesia

  Andi Rizkiyah Hasbi,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6596 Abstract View : 5 pdf downloads: 3

• The Influence of Influencer Marketing and Service Quality in Increasing Interest in Visiting Café Pesona Kampong

  Sri Dela,  Universitas Muhammadiyah Palopo,  Indonesia

  Muammar Khaddapi,  Universitas Muhammadiyah Palopo,  Indonesia

  Muhammad Aqsa,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6598 Abstract View : 1 pdf downloads: 5

• The Role of Digital Leadership and Digital Capabilities on Dynamic Capabilities and Digital Performance of MSME Employees

  Muh. Afdal Abdullah,  Universitas Muhammadiyah Palopo,  Indonesia

  Rahmad Sholing Hamid,  Universitas Muhammadiyah Palopo,  Indonesia

  Duriani,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6570 Abstract View : 0 pdf downloads: 15

• The Effect of Financial Literacy and Self-Control on Saving Behavior of Students of Muhammadiyah University of Palopo

  Melisa,  Universitas Muhammadiyah Palopo,  Indonesia

  Asriany,  Universitas Muhammadiyah Palopo,  Indonesia

  Andika Rusli,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6750 Abstract View : 0 pdf downloads: 21

• The Effect of Work Life Balance and Job Satisfaction on Employee Performance at PT. Pegadaian Cabang Kota Palopo

  Nanna,  Universitas Muhammadiyah Palopo,  Indonesia

  Haedar,  Universitas Muhammadiyah Palopo,  Indonesia

  Adil Basir,  Universitas Muhammadiyah Palopo,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6751 Abstract View : 2 pdf downloads: 20

• The Efficacy of Murabahah Agreements in Personal Financing Schemes: A Case Study of KSPPS BMT NU in Rural Indonesia

  Shinta Amelia Putri,  Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember,  Indonesia

  Nita Aprilia,  Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember,  Indonesia

  Intan Yulianti,  Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember,  Indonesia

  Muhammad Fauzinudin Faiz,  Indonesia

  • pdf

  DOI : 10.24256/kharaj.v7i1.6330 Abstract View : 0 pdf downloads: 1