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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Jurnal International Economic Sharia
Budi Helpiastuti, Selfi
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Strategic Orientation, Innovation, and Female Leadership in Sharia SME Performance Rosadi, M Imron; Budi Helpiastuti, Selfi; Kuswandi, Aos
Journal International Economic Sharia Vol. 2 No. 1 (2025): June
Publisher : Inovasi Analisis Data

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69725/jies.v2i1.284

Abstract

Objective: The objective of this study is to establish how female leadership and access to finance influence performance in Sharia-compliant SMEs.Methods: A cross-sectional survey design was employed. The data gathered were tested to examine the direct impact of leadership competency, gender, strategic orientation, and innovation capacity on performance and access to finance with a mediator in multiple regression analysis and mediation analysis t-test.Results: These results support the strategic orientation, innovation capability, and leadership competence as significant positive predictors of SME performance. In addition, when female leadership is considered, a weak but significant positive influence is confirmed. Access to finance was importantly both a direct determinant as well as an important mediator, through which the impact of all explanatory variables influences performance.Novelty: This study makes a novel contribution by combining female leadership in a strategic capability framework and empirically examining access to finance as the key mediating role in an ethical business context. It also fills an important void in terms of the interaction between gender, internal resources, and financial constraints.Research Implication: There is a validated framework for entrepreneurs to draw upon leadership and strategic resources. It provides evidence-based knowledge to policymakers and financial intermediaries to create enabling ecosystems that facilitate capital access, in particular for women-owned and ethically driven SMEs, contributing to inclusive and sustainable economic growth.
Implementing Conditional Cash Transfers: a Qualitative Analysis of Facilitators and Barriers Rosadi, M. Imron; Budi Helpiastuti, Selfi; Kuswandi, Aos
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.629

Abstract

This paper analyzes the effectiveness of Indonesia’s conditional cash transfer flagship programme, the Family Hope Program (PKH), in local level implementation. By examining the Bantaran District in Probolinggo Regency, it examines how communication, resources, implementer attitudes, and bureaucratic formalism affect programme performance. A qualitative case study: in‐depth interviews with 17 purposively sampled informants, programme facilitators, community leaders, and beneficiary families. In addition, field observations were made and programme reports, as well as local rules, were analysed. The results also show a strong implementation gap: while the PKH is institutionally embedded, there are clear constraints to its transformative potential. Crucial bottlenecks include a lack of facilitator capacity, problems with the communication process that cause beneficiaries to misunderstand conditionality, and very instrumental (rather than substantive) beneficiary compliance. A highly centralized bureaucracy and ongoing targeting inaccuracies also undermine the programme's credibility. An innovation of the study is to combine several strands of evidence to examine CCT implementation at the sub-district level, suggesting that, as Edwards (1998) observed, his variables are interactive and ecosystemic in nature. It points to an “implementation paradox” in which operational viability reinforces marginal developmental effects. The study provides evidence-based recommendations for re-jigging implementation systems and an analytical lens suitable for other social protection programmes in developing countries.
Implementing Conditional Cash Transfers: a Qualitative Analysis of Facilitators and Barriers Rosadi, M. Imron; Budi Helpiastuti, Selfi; Kuswandi, Aos
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.629

Abstract

This paper analyzes the effectiveness of Indonesia’s conditional cash transfer flagship programme, the Family Hope Program (PKH), in local level implementation. By examining the Bantaran District in Probolinggo Regency, it examines how communication, resources, implementer attitudes, and bureaucratic formalism affect programme performance. A qualitative case study: in‐depth interviews with 17 purposively sampled informants, programme facilitators, community leaders, and beneficiary families. In addition, field observations were made and programme reports, as well as local rules, were analysed. The results also show a strong implementation gap: while the PKH is institutionally embedded, there are clear constraints to its transformative potential. Crucial bottlenecks include a lack of facilitator capacity, problems with the communication process that cause beneficiaries to misunderstand conditionality, and very instrumental (rather than substantive) beneficiary compliance. A highly centralized bureaucracy and ongoing targeting inaccuracies also undermine the programme's credibility. An innovation of the study is to combine several strands of evidence to examine CCT implementation at the sub-district level, suggesting that, as Edwards (1998) observed, his variables are interactive and ecosystemic in nature. It points to an “implementation paradox” in which operational viability reinforces marginal developmental effects. The study provides evidence-based recommendations for re-jigging implementation systems and an analytical lens suitable for other social protection programmes in developing countries.
Co-Authors Aos Kuswandi Rosadi, M Imron Rosadi, M. Imron