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All Journal Jurnal Bisnis dan Ekonomi Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Economic Education Analysis Journal Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Edukasi Islami: Jurnal Pendidikan Islam Syi'ar Iqtishadi Performance JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI Amwaluna Jurnal Ekonomi dan Keuangan Syariah SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Soedirman Economics Education Journal JURNAL EKONOMI SYARIAH JBMR: Journal of Business and Management Review Jurnal Fokus Manajemen Bisnis Indonesian Journal of Islamic Business and Economics (IJIBE) International Journal Of Science, Technology & Management (IJSTM) JPM: JURNAL PENGABDIAN MASYARAKAT Bahtera Inovasi Interdisciplinary Social Studies Abimanyu: Journal of Community Engagement Salam (Islamic Economics Journal) Indonesian Journal of Business Analytics (IJBA) CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Inspirasi Binsis dan Manajemen Universal Journal of Science and Technology The Es Economics and Entrepreneurship The Eastasouth Management and Business Jurnal Ekonomi, Bisnis, dan Akuntansi West Science Business and Management Jurnal Riset Manajemen Enrichment: Journal of Multidisciplinary Research and Development Jurnal Pengabdian Masyarakat Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat The Eastasouth Journal of Social Science and Humanities International Journal of Business and Quality Research International Journal of Technology and Education Research International Journal of Education, Vocational and Social Science International Journal of Economics, Business and Innovation Research LAN TABUR: JURNAL EKONOMI SYARIAH Mizan: Journal of Islamic Law
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The Influence of Third-party Funds; Asset Quality, Profit, and Lost Sharing to The Islamic Bank Liquidity in Indonesia Maulida Berniz, Yulis; Najmudin, Najmudin; Jayanti, Esih; Yustina Rahmawati, Ika; Utami, Yuni
International Journal of Science, Technology & Management Vol. 4 No. 4 (2023): July 2023
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v4i4.876

Abstract

During the COVID-19 pandemic, Islamic commercial banks experienced liquidity excess due to the third-party funds that increased and the weak distribution of financing by Islamic banks. In addition, the asset quality of Islamic banks is showing good development, this will affect the bank's ability to meet sufficient liquidity. This study uses 7 Islamic commercial banks as a sample from a population of 14 Islamic commercial banks registered in the Financial Services Authority (OJK) from March 2012 to December 2020 (quarterly data) period. This research method uses a fixed-effect model, with a GLS weight approach, Cross-section SUR. The results of this study are third party funds, asset quality (Non-Performing Financing), and Capital Adequacy Ratio have a significant effect on the liquidity of Islamic banks, while Profit and Loss Sharing and Return on Assets do not affect the liquidity of Islamic banks.
Optimalisasi Peran Generasi Z sebagai Khatib Muda dalam Membangun Peradaban Umat di Era Digital Ma’zumi, Ma’zumi; Suja’i, Suja’i; Najmudin, Najmudin
JPM: Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2026): January 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jpm.v6i3.2800

Abstract

The Friday sermon (khutbah Jum‘ah) faces challenges in engaging Generation Z, as sermons often seem detached from their realities. Yet, the khutbah has strategic potential as a tool for spiritual and social development within the mosque community. This community service program aims to strengthen the capacity of young preachers (khatib muda) from Generation Z through contextual sermon training that is relevant to the challenges of the digital era, while utilizing the mosque as a center for community empowerment. The program was carried out in collaboration with the Campus Mosque of Sultan Ageng Tirtayasa University, a strategic partner that provided participants, facilities, and support for implementing post-sermon action programs. The project used a Participatory Action Research (PAR) approach, emphasizing that participants actively engaged in every program stage, including: (1) intensive training for young preachers on sermon substance and the mosque’s social role; (2) sermon practice and direct mentoring; (3) observing and evaluating sermon delivery; and (4) conducting post-sermon social and religious action programs. Data were collected through participatory observation, interviews, and documentation, and analyzed descriptively and qualitatively using triangulation techniques. The activities showed a significant improvement in participants’ rhetorical competence, sermon content, and social sensitivity. Approximately 85% of participants successfully developed sermon manuscripts with contextual themes, and 78% delivered sermons that engaged the audience. Post-sermon programs such as Green Dakwah, Masjid Talk Gen Z, and digital literacy training successfully increased youth congregation participation and strengthened the mosque’s role as a collaborative community space. The training of Generation Z preachers proved effective in reinforcing the khutbah's role as a holistic instrument for community development.
The Influence Of Work Motivation and Work Environment on Employee Performance In The Manufacturing Engineering Division Of PT Adis Dimension Footwear Tangerang Regency Najmudin, Najmudin; Soebadio, Bizzma Buana Amriki; Setiawan, Temmy
UJoST- Universal Journal of Science and Technology Vol. 5 No. 2 (2026): October 2026
Publisher : Faculty of Science and Technology University of Pramita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11111/ujost.v5i2.209

Abstract

This study aims to determine: (1) the partial effect of work motivation on employee performance; (2) the partial effect of the work environment on employee performance; (3) the simultaneous effect of motivation and the work environment on employee performance.This study uses a quantitative descriptive method, which describes variables as they are, supported by numerical data generated from actual conditions. The population in this study was all production employees at PT. Adis Dimension Footwear Balaraja-Tangerang. The research sample consisted of 80 respondents. This study used a saturated sampling technique due to the small population size; therefore, the sample in this study used the entire population of 80 employees as respondents. Data collection techniques used were observation, questionnaires, and documentation. Data analysis used multiple linear regression analysis with SPSS 26. Data validity was obtained through a partial t-test and a simultaneous F-test.The results of this study indicate that (1) partially, work motivation significantly influences the performance of employees in the Manufacturing Engineering department at PT. Adis Dimension Footwear Balaraja-Tangerang, which is indicated by the calculated t value > t table (2.994 >1.991) and a significance value of 0.000 smaller than the significance value of 0.05. Thus Ha is accepted and H0 is rejected. (2) Partially, the work environment significantly influences the performance of employees in the Manufacturing Engineer section at PT. Adis Dimension Footwear Balaraja-Tangerang, which is indicated by the calculated t value > t table (2.623 >1.991) and a significance value of 0.000 smaller than the significance value of 0.05. Thus Ha is accepted and H0 is rejected. (3) Simultaneously, work motivation and work environment significantly influence the performance of employees in the Manufacturing Engineer section at PT. Adis Dimension Footwear Balaraja-Tangerang, which is indicated by F count > F table (26.994 >3.12) with a significance level of 0.000. Thus Ha is accepted and H0 is rejected. Based on the research results, it can be concluded that work motivation and work environment variables, both partially and simultaneously, have a significant influence on the performance of employees in the Manufacturing Engineer division at PT. Adis Dimension Footwear Balaraja-Tangerang.
Exploring the Role of Financial Literacy as a Catalyst for Circular Economy Adoption in Rural MSMEs in Indonesia and ASEAN Muhammad Ibnu Salam; Najmudin Najmudin
Jurnal Akuntansi, Manajemen dan Ekonomi Vol 28 No 1 (2026): January-June 2026
Publisher : Faculty of Economics and Business, Jenderal Soedirman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jame.2026.28.1.17369

Abstract

This study aims to explore financial literacy as a key catalyst for accelerating the adoption of the circular economy among Micro, Small, and Medium Enterprises (MSMEs) in rural areas of Indonesia and ASEAN countries. Employing a descriptive qualitative approach through a literature review, the research specifically identifies the relationship between the financial literacy levels of MSME owners and their readiness to implement circular economy innovations. Key aspects discussed include financial management understanding, capacity to access alternative funding sources, and challenges in integrating sustainability principles into everyday business practices. The literature review indicates that low financial literacy significantly hinders rural MSMEs' green investment decisions, while enhancing financial literacy is shown to strengthen MSMEs' capacity to effectively and sustainably adopt circular economy practices. The study underscores the importance of financial education strategies and community-based support programs as strategic initiatives that should be reinforced by government policies and multisectoral collaboration to ensure sustainable rural economic development in Indonesia and the ASEAN region.
Pemanfaatan Artificial Intelligence Guna Menunjang Transformasi Digital Pendidikan Bagi MGMP Akuntansi dan Keuangan Lembaga Kholifaturrohmah, Ramita; Mayasari, Viviana; Najmudin, Najmudin; Misni Mulasiwi, Cut
Abimanyu : Jornal of Community Engagement Vol 7 No 1 (2026): February 2026 (In Press)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Social changes in the era of Artificial Intelligence (AI) necessitate that both students and teachers adapt to new technologies in the learning process. Teachers of the Subject Teacher Forum (MGMP) for Accounting and Institutional Finance in Banyumas Regency face challenges in integrating AI into accounting learning. The purpose of this Community Service Program is to enhance teachers’ knowledge of AI and their capability to implement it in teaching. The community partners involved are 57 teachers from 21 Vocational High Schools (SMK) in Banyumas Regency. The implementation methods include: (1) needs identification, (2) planning for socialization and training, (3) socialization and training, and (4) follow-up and evaluation. The training outcomes offer both theoretical benefits, in the form of increased understanding of AI, and practical benefits through hands-on experience in utilizing AI within the learning process. Keywords: Artificial Intelligence, learning process, MGMP Accounting and Institutional Finance
Why Infaq Remains Consumptive in Some Regions: A Comparative Study of Local Islamic Social Finance Practices Nuzulul Atiah, Isti; Herianingrum, Sri; Hasyim, Fuad; Najmudin, Najmudin; Sofiaturrohmah, Siti
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.166

Abstract

Islamic social finance is increasingly recognized as a strategic instrument for economic empowerment; however, infaq utilization remains predominantly consumptive in many institutional contexts. This study develops an institutional governance explanation for why infaq functions productively in some regions while remaining consumptive in others. Drawing on institutional governance theory and Islamic social finance literature, this study argues that the transformation of infaq depends on governance capability, policy coherence, and ecosystem integration rather than on the intrinsic characteristics of the instrument. Using a qualitative comparative design based on secondary data from four regions in Indonesia, this study examines variations in institutional capacity, governance structure, and program integration. The findings show that productive infaq utilization is closely associated with institutional capability configuration, including structured program design, policy alignment, and integration with microenterprise empowerment systems. This study introduces the Localized Productive Infaq Governance (LPIG) model, which explains how governance capability enables the transformation of philanthropic funds into productive social capital. This study contributes to Islamic social finance literature by advancing a governance-centered theoretical framework and offering a transferable institutional model applicable to diverse Islamic social finance ecosystems.
Halal Labeling and Product Quality on Purchase Intention of Halal Food MSMEs: The Role of Consumer Trust as an Intervening Variable Salsabila, Amalia; Syarifudin , Efi; Sudrajat, Budi; Peristiwo, Hadi; Suja'i, Suja'i; Najmudin, Najmudin
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.176

Abstract

ABSTRACT Introduction: The halal industry has grown rapidly and has become an important sector in the global economy. Halal products are not only associated with religious obligations for Muslim consumers but are also considered indicators of product quality, safety, and credibility. This study aims to examine the effect of halal labeling and product quality on purchase intention of halal food Micro, Small, and Medium Enterprises (MSMEs), with consumer trust as an intervening variable. Methods: This research employs a quantitative approach using data collected from 100 respondents who have purchased or consumed halal food products from MSMEs. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Results: Product quality significantly influences consumer trust, while halal labeling does not. However, halal labeling directly affects purchase intention. Product quality does not directly influence purchase intention but has an indirect effect through consumer trust. Consumer trust significantly affects purchase intention and mediates the relationship between product quality and purchase intention, but not between halal labeling and purchase intention. Conclusion and Suggestion: Product quality plays a key role in building consumer trust, which drives purchase intention, whereas halal labeling primarily acts as a direct cue in purchasing decisions. Therefore, halal food MSMEs should focus on maintaining product quality while ensuring credible halal certification.
A Hybrid Review on Islamic Business Model Literatures: Implications for Government, SMEs and Future Research Studies Najmudin, Najmudin; Fatoni, Ahmad; Suja'I, Suja'I; Utami, Kurnia Dwi Sari; Najib, Mohamad Ainun
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 9, No 2 (2025)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v9i2.36807

Abstract

This study aims to draw lessons from the Islamic Business Model literature through a Bibliometric and Systematic Literature Review. This study systematically examined a sample of 212 articles from the Scopus Q1 and Q2 databases to critically explore patterns of research development in the scope of Islamic business models from 1999 to 2025. The results of this study show that the current focus of Islamic business model research is on several elements, namely ethical governance and spiritual values, the development of Islamic business based on the Islamic financial system, Islamic entrepreneurship to achieve sustainable development, and finally Islamic marketing and Islamic branding in promoting the success of Islamic business. In developing elements of the Islamic business model, several elements that need to be targeted in future studies are the development of an integrated Islamic business model framework, evaluation of sharia social finance innovation, sustainable halal business digitalization strategies, integration of MSMEs in the global halal value chain, design of pro-sharia business ecosystem public policies, development of sharia-based business performance indicators, measurement of the social impact of Islamic fintech, Islamic fintech in supporting financial inclusion for disadvantaged groups, and data security and privacy protection in Islamic fintech.
Sthe Effect of Micro-Influencers on Brand Trust and Buying Decisions, with Brand Preference as a Mediating Variable and Micro-Influencer Brand Selfies as a Moderating Variable, Among SMEs (Food Businesses in Purwokerto) Meliyana Rizki Prabaningrum; Najmudin Najmudin; Sudarto Sudarto
Enrichment: Journal of Multidisciplinary Research and Development Vol. 4 No. 3 (2026): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v4i3.679

Abstract

In the digital marketing era, micro-influencers have become a powerful force in shaping consumer behaviour, particularly for small and medium enterprises (SMEs) in the food sector. This research investigates the influence of micro-influencer brand trust on consumers' buying decisions, with brand preference as a mediating variable and micro-influencer brand selfie as a moderating variable, in the context of small and medium food enterprises in Purwokerto. The research employs a mixed-methods approach, combining surveys to examine relationships among variables and interviews to explore consumers' experiences, perceptions, and motivations. The study is grounded in Social Identity Theory, proposing that consumers form social identities through engagement with local micro-influencers, which strengthens trust in the brand and enhances brand preference. Additionally, personal content such as brand selfies is expected to reinforce the effect of influencer trust on consumer attitudes. The findings indicate that micro-influencer brand trust positively affects brand preference and buying decisions, with brand preference serving as a key psychological mechanism, while brand selfies amplify this influence. The study contributes theoretically by applying Social Identity Theory to local influencer marketing, offering a deeper understanding of consumer–influencer interactions. Practically, it provides insights for SMEs to optimise their marketing strategies through authentic and engaging influencer content that effectively encourages consumer purchases.
Co-Authors Abidin, Maula Zaenal Adi Prakoso, Fajar Adipura Danang Maulana Agus Setiono Agustin, Fitria Ahmad Fatoni Ahmed Bakhit, Mohammed Elfadil Aida Maqbullah Akbar Ilham Adi Pangestu Amalyah, Sarah Anggraeni, Ade Irma Anggun Mely Mustika Apriandi, Devy Apriandi, Devy Widya Arini Zubaedah Atiyah, Isti Nuzulul BAMBANG SUNARKO Banani, Ade Bekti Karnowati, Nandang Bosdon Andre Gevril Sinaga Budi Rahardjo Budi Sudrajat Carolina Ety Widjayanti Daryono Daryono, Daryono Dea Nur Safitri Della Nanda Puspitararas Devy Widya Apriandi Dian Siska Verawati Diego Agung Laksono Dini Nurjannah Dwita Setiyani Ekaningtyas Widiastuti Ekaningtyas Widiastuti Ekaningtyas Widiastuti Esih Jayanti Fajar Adi Prakoso Faraby Muhammad Zabaril Febriyanti, Erika Fika Rahmanita Gigih Rafif Suthanto HADI PERISTIWO, HADI Hanifah, Fitria Hasibuan, Reza Rahmadi Hasuri, Hasuri Hasyim, Fuad Helmia Mabchut Nahdi Ima Maisaroh Inastasya Shafira Indiyastuti, Nurhayati Indyastuti, Devani Laksmi Intan Shaferi, Intan Iqbal Iqbal Irfan Muhaimin Isti Nuzulul Atiah Iwan Ridwan Jakaria Jakaria Jaryono Jaryono Jaryono Jaryono Jaryono, Jaryono Jihan Amalia Joni Prayogi Kholifaturrohmah, Ramita Kurnia Dwi Sari Utami Lasmedi Afuan Leni Susanti Lina Rifda Naufalin Lusi Suwandari ma'zumi, ma'zumi Maemonah, Maemonah Maksum, Maharani Pratiwi Mangku, I Ketut Marwah, Amelia Siti Maula Zaenal Abidin Maulida Berniz, Yulis Mayasari, Viviana Ma’zumi, Ma’zumi Mei Rani Amalia Meliyana Rizki Prabaningrum Misni Mulasiwi, Cut Muhammad Ibnu Salam Muhammad Raditya Rahagi Muhammad Taufiq Nahdi, Helmia Mabchut Najib, Mohamad Ainun Nandang Bekti Karnowati Nandang Bekti Karnowati Naufal Amara Syihan Neneng Sofiyanti Novandri, Weni Nunik Kadarwati Nurbaeti, Anindya Rizki Nurhayati Indiyastuti Nurtania Sudarmi Patonangan, Markliv Pradipta Setyanto, Refius Prakoso, Fajar adi Putra Pratama Putriana Setyaningtyas Fadilah Rabiatul Adawiyah, Wiwiek Rachmaniar Myrianda Dwiputri Rayhan Fidho Baghaskoro RETNO WIDURI Retno Widuri Reza Faizal Anshori Rio Dhani Laksana Ronald Haryanto Saleh, Sujai Salsabila, Amalia Setyanto, Refius Pradipta Sigit Wibowo Dwi Nugroho Soebadio, Bizzma Buana Amriki Sofiatul Khotimah, Sofiatul Sofiaturrohmah, Siti Sri Herianingrum Sri Lestari SRI LESTARI Sri Lestari Sri Rahayu Subroto, Muhammad Arshy Andika Sudarto Sudarto Sudarto Sudarto Suja'i, Suja'i Sujanah, Nanah Suja’i, Suja’i Suliyanto Suliyanto Susanti, Fatonah Eka Syahrul Syarifudin Syarifudin , Efi Syifa Fitriani SYIHABUDIN, SYIHABUDIN Temmy Setiawan, Temmy Tiyan Fatkhurrokhman Wahyudin Wahyudin Wandika , Hari Wely Hadi Gunawan. Weni Novandari Weni, Weni When Nada Milenia Wina Taskia Aulia Wisanggeni Bagus Anggoro Wiwiek R. Adawiyah Wiwiek Rabiatul Adawiyah Wiwiek Rabiatul Adawiyah Yuni Utami Yunus Agung Kristanto Yustina Rahmawati, Ika Zainal Abidin Zubaedah, Arini