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Mohamad Toha
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INDONESIA
IIJSE
Published by Universitas KH. Abdul Chalim
ISSN : -     EISSN : 2621606X     DOI : https://doi.org/10.31538/iijse
Core Subject : Economy,
Economics, Econometrics & Finance
The Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) is Sharia Economics Journal published by Sharia Economics Department Institut Pesantren KH. Abdul Chalim, Mojokerto. The Journal focuses on the issues of Sharia Economics, the History of Islamic Economic Thought, Islamic Law, Local Wisdom in Sharia Economic Perspective, and others related to Sharia economics. The journal is published periodically triannually in March, July, and November. Guidance for submission: ֎ The manuscript submitted to IIJSE must never be published elsewhere. ֎ The IIJSE is published in English. ֎ The articles must be submitted via OJS in Microsoft Word format. ֎ The articles should follow APA reference, with the body note, max 4000 words, and APA citation style.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 532 Documents
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Search results for , issue "Vol 8 No 3 (2025): Sharia Economics" : 532 Documents clear
The Influence of Competence, Work Discipline, and Teamwork on the Performance of Employees of PT Lion Mentari Airlines at I Gusti Ngurah Rai International Airport Aril Amanda Putri; Dewi Andriani; Kumara Adji Kusuma
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.6385

Abstract

Employee performance can be measured by their ability to complete all the work that is their responsibility. The decline in employee performance at Lion Air is characterized by a lack of knowledge of company procedures, high levels of tardiness and absenteeism, and a lack of communication and coordination between team members. This study seeks to examine the impact of competency, work discipline, and teamwork on the performance of employees at PT Lion Mentari Airlines. This study uses a quantitative method. The population of this study is the operational employees of Lion Air Ngurah Rai Airport, with a sampling technique using a total sample of 100 employees. The data source used is primary data obtained from distributing questionnaires via Google Forms. Data analysis was carried out using SmartPLS software version 4.0. This study's findings demonstrate that Competence, Work Discipline, and Teamwork positively and significantly influence employee performance.
The Influence of User-Generated Content (UGC), Electronic Word of Mouth (e-WOM), and Perceived Product Quality on Purchase Intention of Somethinc Products (Case Study on Followers of TikTok @somethincofficial) Zefania Mikha Manurung; R. Yuniardi Rusdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.6841

Abstract

This study utilizes a quantitative approach aimed at determining both the partial and simultaneous effects of user-generated content, electronic word of mouth, and perceived product quality on purchase intention for Somethinc products. With the rapid growth of digital marketing, especially on platforms like TikTok, gaining insight into these factors plays a vital role in brands' efforts to influence consumer behavior. The study’s population consists of followers of the @somethincofficial TikTok account. A total of 204 respondents were selected using the Slovin formula, with purposive sampling applied based on specific criteria such as TikTok users born in 1997-2012, followers of the @somethincofficial TikTok account, knowing the Somethinc brand, and having seen content or reviews about Somethinc products. Multiple linear regression analysis was used for data analysis. This study reveals that user-generated content, electronic word of mouth, and perceived product quality, both simultaneously and partially, exert a significant influence on purchase intention for Somethinc products.
Analysis of the Effect of System Quality, Information Quality, and Service Quality on User Satisfaction of T24 Application (Temenos Transact Core Banking) with Perceived Usefulness as an Intervening Variable (Case Study: J Trust Bank Indonesia) Budi Prasetya; Dimas Prayogo Mahardhika; Wendi Usino
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.6912

Abstract

This study aims to analyze the effect of system quality, information quality, and service quality on user satisfaction of the T24 application (Temenos Transact Core Banking) with perceived usefulness as an intervening variable, with a case study at J Trust Bank Indonesia. The research sample consisted of 113 respondents who were users of the T24 application. The analysis method used was Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results showed that information quality did not have a significant effect on user satisfaction and perceived usefulness. Service quality had a significant effect on user satisfaction and perceived usefulness, with influence coefficients of 0.430 and 0.448, respectively. In addition, system quality had a significant effect on perceived usefulness (0.353), but did not have a direct effect on user satisfaction. Perceived usefulness was shown to have a significant effect on user satisfaction (0.268). The mediation relationship through perceived usefulness on user satisfaction shows that information quality, service quality and system quality do not have a significant effect with each P-Value of (0.428), (0.066) and (0.065). This study reveals the importance of service quality as a major factor in increasing user satisfaction with the support of system quality to strengthen the perception of the benefits of using the T24 application.
The Influence of Financial Knowledge, Financial Attitude, Financial Self-Efficacy, Financial Well-Being, and Impulsive Buying on Saving Behavior Among Working People in Kubu Raya Regency Lisa Amalia; Dedi Hariyanto; Heni Safitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7098

Abstract

This study aims to determine the influence of financial knowledge, financial attitudes, financial self-efficacy, financial well-being, and impulsive buying on the saving behavior of people working in Kubu Raya Regency. This study uses a causal associative method. This study used a sample of 150 respondents with a purposive sampling technique. The correlation coefficient was 0.786, indicating a strong correlation between financial knowledge, financial attitude, financial self-efficacy, and impulsive buying on saving behavior. The coefficient of determination shows a value of 0.618, meaning that 61.8% indicates that saving behavior is influenced by financial knowledge, financial attitude, financial self-efficacy, and impulsive buying, while 38.2% is attributed to other variables not examined in this study. The results of the simultaneous test show that financial knowledge, financial attitude, financial self-efficacy, financial well-being, and impulsive buying have a simultaneous effect on the savings behavior of people working in Kubu Raya Regency. The partial test results show that the variables financial knowledge, financial attitude, financial self-efficacy, and financial well-being have a positive and significant effect on savings behavior, while impulsive buying does not have a significant effect on savings behavior.
The Effect of Financial Literacy, Lifestyle, and Use of M-Banking on Financial Management Moderated by Socioeconomic Status Among Millennials in Pontianak City Ananda Shalsa Qirani; Heni Safitri; Dedi Hariyanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7118

Abstract

This study aims to analyze and explain the influence of financial literacy, lifestyle, and use of M-Banking on financial management, considering socioeconomic status as a moderating variable among millennials in Pontianak City. This study uses a quantitative approach with an associative research design, and data collection was conducted through the distribution of questionnaires to 150 respondents who met the purposive sampling criteria. Data analysis was performed through validity and reliability tests, classical assumption tests, as well as multiple linear regression and Moderated Regression Analysis (MRA) to determine the role of socioeconomic status as a moderating variable. The results indicate that, partially, financial literacy and use M-Banking have a positive and significant influence on millennials' financial management. Conversely, lifestyle does not show a statistically significant influence. Simultaneously, the three independent variables were found to have a significant effect on financial management. In addition, socioeconomic status was found to moderate the effect of financial literacy on financial management, but did not moderate the effect of lifestyle or use M-Banking. The coefficient of determination (R²) value of 79.7% indicates that the variation in financial management in this model can be explained by the combination of variables used, while the rest is influenced by factors outside the model.
HALAL MSMEs DEVELOPMENT MODEL THROUGH THE APPLICATION OF BUSINESS COMPETITION FIQH Abdul Hadi Ismail; Khairunnisa Khairunnisa
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7121

Abstract

One of the main problems that occur in the development of halal MSMEs is the complex and expensive halal certification process. This study aims to obtain a halal MSME development model through business competition fiqh. This research will also later explore related to the fiqh of business competition which is not widely known by Halal MSMEs. The research method used is quantitative description. The result 1) tstatistic 3.932> 1.96, P value of 0.000 <0.05 (Significant) then Marketing, has no effect on the development of Halal MSMEs. 2) t-statistic 0.630 < 1.96, Pvalue 0.592 > 0.05 (Not Significant) then Digital literacy and product innovation have no effect on the development of Halal MSMEs. 3) H3: X3 Against Y = t-statistic 2.902> 1.96, Pvalue 0.004 <0.05 (Significant) then product innovation has an effect on the development of Halal MSMEs. 4) Then Z against Y = t-statistic 1.310 < 1.96, pvalue 0.191 > 0.05 (Not Significant) . MRA (Moderated Regression Analysis): 5) H5 : X1*Z on Y: -0.056 (negative / weakening), pvalue 0.529 > 0.05 (Not Significant) then Fiqh of Business competition does not play a role in moderating the marketing relationship with the development of Halal MSMEs. 6) H6 : X2 * Z to Y: 0.090 (positive, pvalue 0.281> 0.05 (Not Significant) then Fiqh competition does not play a role in moderating the relationship between digital literacy and the development of Halal MSMEs. 7) H7: X3 * Z to Y: -0.087 (positive, pvalue 0.064> 0.05 (Not Significant) then Fiqh competition does not play a role in moderating the relationship between Product Innovation and the development of Halal MSMEs.
The Influence of Non-Cash Payments and Transaction Costs on Sharia Bank Customer Loyalty in Using M-Banking Riyan Pradesyah; Munawaroh Munawaroh; Rizqy Fadhlina Putri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7215

Abstract

Although m-banking offers convenience and efficiency, challenges appear when cost transaction rated too high by customers, which can reduce satisfaction them. In addition, the effectiveness feature payment non-cash in increase experience users also need evaluated. If the customer feels No satisfied with fees charged​ or available features, they​ Possible will switch to competitors. Research This aiming for analyze connection between second factor and its impact to loyalty Islamic bank customers. Research This aiming for analyze influence variable payment non-cash (X1), variable cost transaction (X2) against loyalty Islamic bank customers in using M-banking (Y). The research conducted using approach quantitative, with use application SmartPLS in data processing is carried out. Data obtained from results distribution questionnaire conducted​ to Respondent research, with method share google form to Respondent research. The results obtained that in a way partial There is influence significant variable X1 against Y is 52.39%, then variable X2 against Y has influence in a way significant by 19.80%. Then in a way simultaneous variable Payment Non-cash (X1), and Transaction Cost Variables (X2) can influence variable Loyalty of Sharia Bank Customers in Using M-Banking (Y) strong amounting to 77%, and the remaining 23 % is influenced variable others who don't under review in study.
PENGARUH E-COMMERCE, MEDIA SOSIAL, SISTEM INFORMASI AKUNTANSI, DAN EKSPEKTASI PENDAPATAN TERHADAP PENGAMBILAN KEPUTUSAN BERWIRAUSAHA MAHASISWA JURUSAN AKUNTANSI UPN VETERAN JAWA TIMUR Jessica Margareta; Anik Yuliati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7410

Abstract

This study aims to examine the influence of E-Commerce, social media, Accounting Information Systems, and Income Expectations on the entrepreneurial decision-making of accounting students at UPN Veteran East Java. Using a quantitative approach, data were collected from students through structured questionnaires and analyzed using multiple regression techniques. The results reveal that all four variables—E-Commerce, social media, Accounting Information Systems, and Income Expectations—have a significant positive effect on students' entrepreneurial decision-making. E-Commerce was found to be the most dominant factor, highlighting the crucial role of digital platforms in shaping students’ readiness and motivation to start their own businesses. Social media contributes by providing access to market trends and networking opportunities, while Accounting Information Systems support better financial management and decision-making. Additionally, Income Expectations serve as a motivating factor, encouraging students to pursue entrepreneurship as a viable career path. These findings suggest that integrating technology and financial awareness in entrepreneurship education can effectively enhance students’ ability to make informed entrepreneurial decisions. This study provides valuable insights for educational institutions aiming to foster entrepreneurship among accounting students in the digital era.
The Influence of Creative Work, Interpersonal Communication, and Team Cohesiveness on Team Performance in Culinary UMKM in Cirebon City Tsany Qania Labiba; Tia Afriyani; Edy Hartono
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7503

Abstract

This research is conducted to explore the interaction between creative work, interpersonal communication, and team cohesiveness on team performance in micro, small, and medium enterprises (MSMEs) in the culinary field in Cirebon City. This research employs a quantitative methodology through the use of surveys, involving 75 respondents who are actively involved in culinary MSMEs. Data for this research were obtained using structured questionnaires and subsequently analyzed with multiple linear regression to determine the magnitude of the influence between the independent and dependent variables. The findings indicate that creative work positively and significantly affects team performance. Similarly, interpersonal communication also exerts a significant positive influence, signifying the importance of effective message exchange and mutual understanding among team members. In addition, team cohesiveness also made a strong contribution to performance improvement through collaboration, trust, and shared goals. The results of the simultaneous test indicate that the three variables collectively have a significant impact on enhancing team performance. This research contributes to the literature of human resource management and organizational behavior, especially in the MSME sector, by emphasizing the importance of non-technical factors in supporting teamwork results. This study recommends that MSMEs invest more in building team creativity, improving communication skills, and strengthening group unity. Future research is recommended to explore other psychosocial and contextual factors that influence team performance across different types of MSMEs.
The Influence of Psychological Factors, Framing Effects, and Incidental Emotions on Young People's Stock Investment Decisions: A Case Study of Investment Education Content on TikTok Salsabila Atiqah Zuhrah Hafizhah; Zaenal Arifin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7840

Abstract

This study aims to analyze the influence of psychological factors (consisting of overconfidence, herding behavior, FOMO, emotions, and considering the past), framing effect, and incidental emotions on young people’s stock investment decisions, in the context of investment education content on the TikTok social media platform. The background of this study is based on the phenomenon of the rise of investment education content, especially in the stock sector on TikTok, and the increasing number of active young investors. The research approach uses a quantitative method. The sample consisted of 190 respondents who were active students of the Management Study Program, Islamic University of Indonesia, who invested in stock instruments. The results of the study showed that psychological factors had a significant influence on stock investment decisions. Meanwhile, when the psychological factors construct was tested, the results were only overconfidence and considering the past that influenced investment decisions. Meanwhile, herding behavior, FOMO, and emotions did not affect investment decisions. In addition, framing effect, incidental emotions, and investment education content were not proven to have a positive effect on investment decisions.

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