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All Journal Conference In Business, Accounting And Management (Cbam) 2012 Gadjah Mada International Journal of Business EQUILIBRIUM At-Taqaddum Islamic Guidance and Counseling Journal MALIA: Journal of Islamic Banking and Finance Jurnal Penelitian ADDIN Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Equilibrium: Jurnal Ekonomi Syariah ZISWAF: Jurnal Zakat dan Wakaf Quality Qudus International Journal of Islamic Studies
Wahibur Rokhman
Sekolah Tinggi Agama Islam (STAIN) Kudus
Religion Arts Humanities Economics, Econometrics & Finance Education Public Health Social Sciences

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ISLAMIC WORK ETHIC AS AN ANTECEDENT OF WORK OUTCOMES: A STUDY OF ISLAMIC MICROFINANCE IN CENTRAL JAVA, INDONESIA Wahibur Rokhman
QIJIS (Qudus International Journal of Islamic Studies) Vol 2, No 1 (2014)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/qijis.v2i1.1519

Abstract

Using sample 370 employees from Islamic microfinance institutions in Central Java, Indonesia, this study was conducted to examine the effect of Islamic work ethics on job satisfaction, organizational commitment and turnover intention. The empirical testing indicates that Islamic work ethic has positive effects on both job satisfaction and organizational commitment; whereas there is no significant evidence of the effect of Islamic work ethic on turnover intention. Implication, limitation and suggestion for future research are also discussed.
Financial Well-Being among Culinary MSMEs: The Mediating Role of Personal Financial Management between Islamic Financial Literacy and Locus of Control Elfaz, Maulanisa Arifa; Rokhman, Wahibur; Amaroh, Siti
EQUILIBRIUM Vol 14, No 2 (2026): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v14i2.37570

Abstract

This study addresses the critical yet under-researched gap regarding how Islamic values and psychological traits concurrently shape entrepreneurs' financial outcomes in the modern economic era. This study aims to analyze the mediating role of Personal Financial Management in the relationship between Islamic Financial Literacy and Locus of Control on Financial Well-Being. Adopting a quantitative approach, data were gathered through structured questionnaires from 120 entrepreneurs and analyzed using Structural Equation Modeling. The findings reveal that both Islamic Financial Literacy and Locus of Control have a positive and significant effect on Personal Financial Management and Financial Well-Being. Notably, Personal Financial Management exerts the strongest direct influence on Financial Well-Being. Importantly, mediation analysis demonstrates that Personal Financial Management successfully mediates the pathways from both financial literacy and internal control toward higher financial well-being. It is concluded that financial knowledge and self-control alone are insufficient to ensure welfare unless they are actively translated into practical financial management behavior. Theoretically, this study extends behavioral finance literature by confirming management behavior as a vital mechanism. Practically, it provides actionable insights for policymakers to design tailored financial education and personal financial management programs rooted in Islamic principles to bolster entrepreneurial resilience.
Financial Well-Being among Culinary MSMEs: The Mediating Role of Personal Financial Management between Islamic Financial Literacy and Locus of Control Elfaz, Maulanisa Arifa; Rokhman, Wahibur; Amaroh, Siti
EQUILIBRIUM Vol 14, No 2 (2026): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v14i2.37570

Abstract

This study addresses the critical yet under-researched gap regarding how Islamic values and psychological traits concurrently shape entrepreneurs' financial outcomes in the modern economic era. This study aims to analyze the mediating role of Personal Financial Management in the relationship between Islamic Financial Literacy and Locus of Control on Financial Well-Being. Adopting a quantitative approach, data were gathered through structured questionnaires from 120 entrepreneurs and analyzed using Structural Equation Modeling. The findings reveal that both Islamic Financial Literacy and Locus of Control have a positive and significant effect on Personal Financial Management and Financial Well-Being. Notably, Personal Financial Management exerts the strongest direct influence on Financial Well-Being. Importantly, mediation analysis demonstrates that Personal Financial Management successfully mediates the pathways from both financial literacy and internal control toward higher financial well-being. It is concluded that financial knowledge and self-control alone are insufficient to ensure welfare unless they are actively translated into practical financial management behavior. Theoretically, this study extends behavioral finance literature by confirming management behavior as a vital mechanism. Practically, it provides actionable insights for policymakers to design tailored financial education and personal financial management programs rooted in Islamic principles to bolster entrepreneurial resilience.
Co-Authors Abd. Rasyid Syamsuri Abideen Adewale Abideen Adewale Adab, Farisul Adab, Farisul Ahamed, Forbis Amirul Fatihin, Amirul Andiani, Fajar Anita Rahmawaty Atieq, Muhammad Qoes Elfaz, Maulanisa Arifa Harif Amali Rivai Joyo Winoto, Joyo Kartika Marella Vanni Nasir, Shuana Zafar Rahmawati, Fithria Aisyah Rahmawati, Fithria Aisyah Sa'diyah, Siti Rofik Atus Sahid, Sehrish Shahid, Sehrish Siti Amaroh Zamroni Zamroni