cover
Contact Name
Neneng Sudharyati
Contact Email
nenengsudharyati@uinjambi.ac.id
Phone
+628117481707
Journal Mail Official
jurnalmakesya@gmail.com
Editorial Address
Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi Jl. Arif Rahman Hakim No 1 Telanaipura Jambi 36361
Location
Kota jambi,
Jambi
INDONESIA
Jurnal Manajemen Keuangan Syariah
ISSN : -     EISSN : 29633060     DOI : 10.30631
JURNAL MAKESYA, is a journal published by the Islamic Financial Management Study Program of UIN Sulthan Thaha Saifuddin Jambi, which focuses on development and research related to Islamic Financial Management. only Bahasa and English. The following types of work can be submitted: Research Paper, Conference/ seminar/ workshop paper, Case studies, Book Review, including research reports, application of theory, critical studies, literature reviews. and Technical Report. The coverage area of studies includes, but not limited to, the following subjects pertaining to Islamic Economics and Finance including business and management, Management of Islamic Business, Entrepreneurship, and Tourism Banking, Corporate Social Responsibility, Financial management, Business management, Business security and privacy issues, E-Business and International business issues, Consumer behavior and Customer relationship management, Marketing management and strategies, Relationship management, Management and retail marketing, and Islamic Risk Management and Sharia Insurance.
Articles 85 Documents
Pengaruh Harga dan Citra Merek Terhadap Keputusan Pembelian Pada Konsumen Mie Gacoan Kota Baru Jambi Adinda Riani Putri; Putri, Adinda Riani; Ningsih, Putri Apria
Manajemen Keuangan Syariah Vol 5 No 2 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v5i2.3469

Abstract

The culinary industry is experiencing rapid development, especially fast food restaurants that use noodles as their main ingredient, one of which is the famous Mie Gacoan. This study aims to determine the extent to which price and brand image influence the purchasing decisions of consumers of Mie Gacoan, Kota Baru Branch, Jambi. This study uses a quantitative approach with a questionnaire method, where questionnaires are distributed to 100 consumers of Mie Gacoan. Data analysis was carried out using SPSS version 26.0, with the data analysis method using multiple linear regression. The results of the study indicate that the T test (partially) price has a significant negative effect on purchasing decisions, with a Tcount value (-5.680)> Ttable (1.988) and a significance value of 0.000<0.05, and partial image also has a significant effect on purchasing decisions with a Tcount value (7.273)> Ttable (1.988) and a significance value of 0.000<0.05. Based on the F test (simultaneously), price and image significantly influence purchasing decisions with a calculated F value (47.414) > F table (3.09) and a significance value of 0.000 <0.05. Therefore, it can be concluded that both partially and simultaneously, price and brand image influence purchasing decisions. Based on the Adjusted R Square (R2) value, which means that consumer purchasing decisions are influenced by price and brand image, it has an influence of 48.4%, and the remaining 51.6% is influenced by other variables not examined in this study. Keywords: Price, Brand Image, Purchasing Decisions
ANALISIS  KUALITAS SDM DAN AKSES PERMODALAN TERHADAP KINERJA KEUANGAN UMKM KULINER DI KOTA BENGKULU kurniawan, Kiemas; Effendi, Yanto
Manajemen Keuangan Syariah Vol 5 No 2 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v5i2.3474

Abstract

The purpose of this study is to see the influence of human resource quality and access to capital on the financial performance of UMKM kuliner  in Bengkulu City. The quality of human resources with a t-value of 1.674 with a significance level of 0.006 is > 0.05 which means there is a significant influence of human resource quality on the financial performance of culinary UMKM Kuliner  in Bengkulu City with a coefficient value of 0.218, this also shows that the quality of human resources on the financial performance of UMKM kuliner in Bengkulu City has a low and positive influence. Access to capital on the financial performance of UMKM kuliner in Bengkulu City with a t-value of 2.546 and a significance level of 0.002 is <0.05, a regression coefficient value of 0.249 is obtained. Simultaneously or together shows an F-value of 1461.331 with a significance level of <0.003, this proves that simultaneously there is an influence of the variables of human resource quality, access to capital on the financial performance of UMKM kuliner in Bengkulu City
PENGARUH SISTEM INFORMASI AKUNTASI (SIA), FINANCIAL TECHNOLOGY (FINTECH) DAN LITERASI KEUANGAN TERHADAP KINERJA KEUANGAN UMKM (Studi Pada UMKM di Bandar Lampung) Kirani, Rita; Oktavianti, Prima Rini Metri; Isabella, Astrid Aprica; Surya, Renandi Ekatama
Manajemen Keuangan Syariah Vol 5 No 2 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v5i2.3555

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh sistem informasi akuntasi, financial technology dan literasi keuangan terhadap kinerja keuangan. Data yang digunakan dalam penelitian ini adalah data primer, data yang diperoleh secara langsung dari sumbernya, yaitu melalui 50 responden. Analisis data yang digunakan dalam penelitian ini menggunakan teknik regresi linier berganda dengan bantuan program SPSS versi 26. Berdasarkan hasil penelitian ini menunjukan bahwa hasil uji hipotesis uji-t terdapat pengaruh positif dan signifikan secara parsial pada variabel sistem informasi akuntasi, financial technology dan literasi keuangan terhadap kinerja keuangan. Hasil uji hipotesis uji-f terdapat pengaruh positif dan signifikan secara simultan pada variabel sistem informasi akuntasi, financial technology dan literasi keuangan terhadap kinerja keuangan.
Transformasi Digital dan Akses Keuangan: Analisis Fintech dan Inklusi Keuangan terhadap Perkembangan UMKM Furnawati, Raudhah; Ferawati, Rofiqoh
Manajemen Keuangan Syariah Vol 5 No 2 (2025): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v5i2.3690

Abstract

Financial technlogy (fintech) merupakan inovasi layanan keuangan berbasis teknologi yang memberikan kemudahan dalam berbagai transaksi, seperti pembayaran, investasi, hingga kredit online. Sementara itu, inklusi keuangan menekankan pada aspek layanan keuangna formal yang aman, terjangkau, dan bermanfaat bagi masyarakat maupun pelaku usaha. Perkembangan UMKM termasuk di Kabupaten Bungo Provinsi Jambi, didorong oleh peran kedua aspek penting tersebut, sebagaimana tercermin dari fluktuasi jumlah UMKM pada periode 2019-2023, dengan capaian tertinggi pada tahun 2022. Namun, penelitian terdahulu masih menghasilkan temuan yang berbeda mengenai dampak fintech dan inklusi keuangan terhadap UMKM, sehinggga diperlukan kajian empiris lebih lanjut. Penelitian ini bertujuan untuk menguji pengaruh fintech dan inklusi keuangan terhadap perkembangan UMKM di Kabupaten Bungo. Metode penelitian menggunakan pendekatan kuantitatif deskriptid dengan sampel sebanyak 90 pelaku UMKM yang dipilih melalui teknik purposive sampling, sementara data dikumpulkan melalui kusioner daring (Google Form). Hasil menunjukkan bahwa fintech berpengaruh positif dan signifikan terhadap perkembangan UMKM (p = 0.002 < 0.05). Inklusi keuangan juga memberi pengaruh positif dan signifikan terhadap UMKM (p = 0.006 < 0.05). Secara simultan, fintech dan inklusi keuangan berkontribusi signifikan dengan nilai F (Fhitung, p =0.000 < 0.05. Temuan ini menegaskan bahwa pemanfaatan fintech bersama peningkatan inklusi keuangan merupakan strategi penting dalam memperkuat daya saing dan mendorong pertumbuhan UMKM di daerah.  
PENGARUH KUALITAS PELAYANAN DAN HARGA TERHADAP KEPUASAN KONSUMEN E-COMMERCE TIKTOK SHOP DI KECAMATAN SEBERANG ULU II PLAJU PALEMBANG Andela, Resthie; Resthie Andela , Resthie Andela; Puspasari, Mardiana; Geby Gisela Syaputri, Ayu
Manajemen Keuangan Syariah Vol 6 No 1 (2026): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v6i1.5937

Abstract

This study aims to determine the effect of Service Quality and Price simultaneously and partially on Customer Satisfaction of the TikTok Shop e-commerce platform in Seberang Ulu II, Plaju, Palembang District. The object of this research is consumers of TikTok Shop, with a total sample of 100 respondents. The sampling technique used was purposive sampling. This research employed an associative research design. The data used in this study consisted of primary and secondary data. Data collection techniques included questionnaires and documentation. The data analysis technique applied was Multiple Linear Regression. The results showed that the variables of Service Quality and Price have positive regression coefficients, indicating that both variables have a positive effect on Customer Satisfaction. The F-test results revealed that Fcount > Ftable (163.692 > 2.36) with a significance level of 0.000 < 0.10, meaning that Service Quality and Price simultaneously have a significant effect on Customer Satisfaction of TikTok Shop e-commerce in Seberang Ulu II, Plaju, Palembang District. Furthermore, the t-test results indicated that Service Quality has a significant effect on Customer Satisfaction because tcount > ttable (5.225 > 1.660), and Price also has a significant effect on Customer Satisfaction because tcount > ttable (7.838 > 1.660). The coefficient of determination (R Square) was 0.771 (77.1%), which means that 77.1% of the variation in Customer Satisfaction can be explained by Service Quality and Price, while the remaining 22.9% is influenced by other variables not included in this study.
Pengaruh Current Ratio (CR) dan Return On Asset (ROA) Terhadap Harga Saham Pada Perusahaan Manufaktur Yang Terdaftar Di Jakarta Islamic Index(JII) Periode 2020-2024 Febriani, Nabila; Mutia, Agustina
Manajemen Keuangan Syariah Vol 6 No 1 (2026): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v6i1.3613

Abstract

This study analyzes the effect of the Current Ratio (CR) and Return on Assets (ROA) on the stock prices of manufacturing companies listed on the Jakarta Islamic Index (JII) for the 2020–2024 period. CR is used as a liquidity indicator, while ROA reflects profitability in generating profit from total assets. This research adopts a quantitative approach using secondary data from annual financial statements and stock closing prices. The sample was selected through purposive sampling, resulting in 8 companies consistently listed on the JII for five years, producing 40 observations. Data analysis was conducted using panel data regression with the Fixed Effect Model (FEM) as the best model, based on the Chow and Hausman tests. The t-test results show that CR has a significant effect on stock prices (p = 0.0118 < 0.05), and ROA also has a significant effect (p = 0.0040 < 0.05). The F-test confirms that CR and ROA simultaneously have a significant effect on stock prices (p < 0.05). These findings indicate that both liquidity and profitability are important considerations for investors in evaluating sharia-based stocks.
Pengaruh Tingkat Suku Bunga, Rasio Likuiditas Dan Green Accounting Terhadap Beta Saham Pada Perusahaan Pertambangan Yang TerdaftarDi Bursa Efek Indonesia Elvionara Dixsy, Nindy; Rosmanidar, Elyanti
Manajemen Keuangan Syariah Vol 6 No 1 (2026): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v6i1.3629

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh tingkat suku bunga, rasio likuiditas, dan penerapan green accounting terhadap beta saham pada perusahaan sektor pertambangan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2020–2024. Beta saham digunakan sebagai indikator risiko sistematis yang mencerminkan sensitivitas saham terhadap pergerakan pasar. Tingkat suku bunga merupakan faktor eksternal makroekonomi keputusan investasi, sementara rasio likuiditas mencerminkan kemampuan perusahaan dalam memenuhi kewajiban jangka pendeknya. Green accounting, sebagai bagian dari praktik akuntansi berkelanjutan, mencerminkan tanggung jawab lingkungan perusahaan yang dapat memengaruhi persepsi investor. Sampel penelitian ini terdiri dari enam perusahaan pertambangan yang dipilih melalui metode purposive sampling. Metode analisis yang digunakan adalah regresi linier berganda dengan pendekatan kuantitatif. Hasil penelitian menunjukkan bahwa tingkat suku bunga tidak berpengaruh signifikan terhadap beta saham, rasio likuiditas juga tidak berpengaruh signifikan terhadap beta saham, sedangkan green accounting berpengaruh signifikan terhadap beta saham. Secara simultan, tingkat suku bunga, rasio likuiditas, dan green accounting berpengaruh signifikan terhadap beta saham.
ANALISIS YANG MEMENGARUHI KINERJA KEUANGAN MELALUI PROFITABILITAS, LIKUIDITAS DAN SOLVABILITAS PADA PERUSAHAAN SUB SEKTOR TELEKOMUNIKASI YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2020-2024 Abduh Rahman, Adi; Hairuddin; Rini Metri Oktavianti, Prima; Ekatama Surya, Renandi
Manajemen Keuangan Syariah Vol 6 No 1 (2026): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v6i1.3675

Abstract

Penelitian ini bertujuan untuk mengevaluasi sejauh mana  (NPM), Current Ratio (CR), dan Debt to Equity Ratio (DER) memengaruhi kinerja finansial perusahaan, yang direpresentasikan melalui Return on Assets (ROA). Dengan menerapkan pendekatan regresi linier berganda terhadap data dari 8 perusahaan sektor telekomunikasi dalam rentang waktu 2020 hingga 2024, ditemukan bahwa NPM memiliki dampak positif dan signifikan terhadap ROA, dengan nilai koefisien sebesar 0,095, DER menunjukkan pengaruh negatif yang signifikan dengan koefisien -0,011, variabel CR menunjukkan pengaruh negatif dengan koefisien -0,012. Secara simultan, model regresi ini mampu menjelaskan 37,4% variasi ROA (R²=0,374) dengan nilai F-statistik sebesar 6,169 dan signifikan pada tingkat 0,2%. PT Gihon Telekomunikasi Indonesia Tbk (GHON) menunjukkan profitabilitas yang paling tinggi dan relatif stabil di atas 40%. Dari data yang ada, LCKM unggul dengan Current Ratio mencapai 2539,71%. Di sisi lain, TBIG dan TOWR menunjukkan leverage finansial yang tinggi, ditandai dengan DER berkisar di angka 400%.
Pengaruh citra merek dan electronic word of mouth terhadap minat beli busana muslim di ecommerce oleh gen z jambi Febi Leilia , Hairani; Ferawati, Rofiqoh
Manajemen Keuangan Syariah Vol 6 No 1 (2026): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v6i1.3685

Abstract

Abstrak Penelitian ini bertujuan untuk menjelaskan dan menganalisis seberapa besar pengaruh citra merek terhadap minat beli busana muslim di e-commerce oleh Gen Z di Provinsi Jambi dan seberapa besar pengaruh E-WOM terhadap minat beli busana muslim di e-commerce oleh Gen Z di Provinsi Jambi. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif, dengan menggunakan SPSS 30. Sampel yang digunakan adalah 100 responden generasi z di provinsi Jambi. Metode pengumpulan data yang digunakan adalah survei melalui kuesioner yang telah disebarkan secara luas melalui Google Form. Hasil penelitian menunjukkan bahwa citra merek berpengaruh positif terhadap minat beli, dibuktikan dengan nilai signifikansi sebesar 0,026 < 0,05. E-wom memiliki pengaruh terhadap minat beli, dibuktikan dengan nilai signifikansi sebesar (0,001) < 0,05. Citra merek dan E-WOM secara bersama-sama berpengaruh signifikan terhadap minat beli, dengan nilai R square yang disesuaikan, yaitu koefisien determinasi sebesar 0,451 atau 45,1%. Hal ini menunjukkan bahwa pengaruh variabel citra merek (X1) dan E-WOM (X2) sebesar 45,1% dan sisanya sebesar 54,9% dipengaruhi oleh variabel lain yang tidak dimasukkan dalam model ini.
PENGARUH LITERASI KEUANGAN SYARIAH DAN PENGETAHUAN INVESTASI TERHADAP KEPUTUSAN BERINVESTASI PADA MAHASISWA MANAJEMEN KEUANGAN SYARIAH UNIVERSITAS ISLAM NEGERI JAMBI Diana Putri, Nopi; Subhan, Muhammad; Hareastoma
Manajemen Keuangan Syariah Vol 6 No 1 (2026): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v6i1.3740

Abstract

This study aims to examine the influence of Islamic financial literacy and investment knowledge on the investment decisions of students in the Islamic Financial Management Study Program at the State Islamic University of Sulthan Thaha Saifuddin Jambi. The research background highlights the low level of Islamic financial literacy among students and their limited understanding of Sharia-based investment principles, which may affect their decision-making. This research employs a quantitative approach with a causal associative method. The population consists of 508 students, and a sample of 84 respondents was selected using the Slovin formula with a 10% margin of error. Data were collected through questionnaires and analyzed using multiple linear regression, t-test, and F-test. The results indicate that Islamic financial literacy has a positive and significant effect on students’ investment decisions when tested partially. Similarly, investment knowledge also shows a positive and significant partial effect. Simultaneously, both variables significantly influence investment decisions. These findings highlight the need to enhance students’ understanding of Islamic finance and investment principles to encourage prudent, Sharia-compliant investment behavior. This research can serve as a reference for curriculum development and Islamic financial education that is more practical and applicable within academic environments.