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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 2,568 Documents
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The Influence of Financial Literacy, Mobile Banking, and Financial Management on the Financial Performance of MSMEs in Melawi Regency Tria Ardika; Heni Safitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.8470

Abstract

Banking and Financial Management on the Financial Performance of Micro, Small, and Medium Enterprises (MSMEs) in Melawi Regency. This research uses a quantitative approach with survey methods to collect data from MSME owners in the area. The focus of the research is to explain and identify the association between financial literacy, use of Mobile Banking services, financial management, and financial performance of MSMEs.Data was collected through questionnaires distributed to selected samples of MSME owners in Melawi Regency. Regression analysis is used to evaluate the extent to which financial literacy, mobile banking, and financial management variables can explain variations in MSME financial performance. The research results are expected to contribute to understanding the impact of financial literacy, use of Mobile Banking, and financial management on the financial performance of MSMEs. It is hoped that these findings will provide valuable information for business people, financial institutions and local governments in designing more effective MSME development strategies in Melawi Regency. This research confirms that financial literacy, mobile banking and financial management have an important role in supporting the growth and sustainability of MSMEs, with the implication that increasing financial understanding and adaptation to banking technology can improve the financial performance of MSMEs at the local level.
From Reach to Active Consumers: Effective Social Media Marketing Strategies at Popsio.id Putu Diana Karisma Putri; A.A.N. Oka Suryadinatha Gorda
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.v8i3.8488

Abstract

This study explores the effectiveness of social media strategies, specifically TikTok Live Shopping, in converting reach into active and loyal consumers at Popsio.id, a local fashion brand from Bali specializing in women's bags. The research employs a qualitative case study approach, combining in-depth interviews with brand owners, social media managers, TikTok observers, and consumers, as well as observation and documentation of Popsio.id's digital activities. The study highlights how Popsio.id leverages Instagram as a visual catalog, Shopee as a primary marketplace, and TikTok for interactive engagement and real-time sales. The findings reveal that consistent and entertaining content, particularly during TikTok live sessions, significantly influences consumer engagement and purchasing decisions. Furthermore, soft-selling techniques and trend-sensitive content contribute to avoiding consumer resistance and increasing brand visibility. Despite successfully expanding its reach, Popsio.id still faces challenges in building long-term customer loyalty and ensuring product expectations align with online content. This research contributes to digital marketing theory by applying the hierarchy of effects model and suggesting practical strategies for local brands seeking to increase customer conversion through interactive social platforms. These insights can serve as a reference for other MSMEs aiming to optimize social media as a sales and branding channel.
The Impact of Job Stress on Turnover Intention with Organizational Commitment as a Mediation Raihan Akhwan Ashshiddiqi; Jati Waskito; Muzakar Isa
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.v8i3.8515

Abstract

This study aims to examine the effect of Job Stress on Turnover Intention with Affective Commitment, Continuance Commitment, and Normative Commitment as mediating variables in employees of PT. Global Foresight. This study uses a quantitative approach with the Structural Equation Modeling-Partial Least Square (SEM-PLS) method processed through SmartPLS 3.0 software. Data were obtained from 150 respondents selected using a non-probability sampling technique with a judgment sampling type, namely, determining the sample based on certain considerations relevant to the research objectives. The results showed that Job Stress did not have a significant direct effect on Turnover Intention, but had a significant effect on the three dimensions of organizational commitment, namely Affective, Continuance, and Normative Commitment. Furthermore, Affective Commitment and Continuance Commitment were proven to have a significant effect on Turnover Intention and were able to mediate the relationship between Job Stress and Turnover Intention. Conversely, Normative Commitment did not show a significant effect on Turnover Intention and could not act as a mediator. These findings indicate that the influence of job stress on employees' desire to leave the company is more influenced by emotional attachment and considerations of job continuity than normative obligations. This research offers important implications for management in managing work stress and building employee commitment to reduce turnover rates.
The Effect of Third-Party Funds and Financial Ratios on Net Profit with Financing as an Intervening Variable Rizky Ananda Utami; Zuhrinal M. Nawawi; Nur Ahmadi Bi Rahmani
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.v8i3.8622

Abstract

PT. Bank Mega Syariah Tbk is one of the Islamic financial institutions in Indonesia that plays an important role in supporting economic growth through fund mobilization and financing distribution. The bank’s financial performance is inseparable from its ability to manage Third Party Funds (TPF) and financial ratio indicators such as ROA, ROE, and NPF. Net profit, as the main measure of bank profitability, can be influenced by various factors, both directly and indirectly through intervening variables such as financing. Therefore, this study examines the effect of Third-Party Funds and Financial Ratios on Net Profit with Financing as an intervening variable at PT. Bank Mega Syariah Tbk during the period 2016–2024. The sample was determined using purposive sampling, resulting in 216 data points, with analysis conducted using descriptive statistics and Structural Equation Modeling (SEM). The results show that Third Party Funds (X₁) have a positive and significant effect on Financing (Z), Third Party Funds (X₁) have a positive and significant effect on Net Profit (Y), Financial Ratios (X₂) have a positive and significant effect on Financing (Z), Financial Ratios (X₂) have a positive and significant effect on Net Profit (Y), Third Party Funds (X₁) have a positive and significant effect on Net Profit (Y) through Financing (Z), and Financial Ratios (X₂) have a positive and significant effect on Net Profit (Y) through Financing (Z) at PT. Bank Mega Syariah. This study indicates that the bank’s success in mobilizing TPF and maintaining healthy financial ratios not only directly affects profitability but also improves financing performance, which ultimately strengthens net profit. In other words, proper fund management and risk management strategies are key to sustaining customer trust, strengthening liquidity, and enhancing the bank’s competitiveness in the Islamic banking industry.
The Effect of Government Expenditure in the Field of Education, Health and Per Capita Expenditure on the Human Development Index in the Districts/Cities of North Sumatra Province Faisyal Hartawan Isma; Fitrawaty Fitrawaty; M. Fitri Rahmadana
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.v8i3.8623

Abstract

This study aims to determine: (1) the effect of government expenditure in the education sector on the Human Development Index (HDI) in the Districts/Cities of North Sumatra Province, (2) the effect of government expenditure in the health sector on the HDI in the Districts/Cities of North Sumatra Province, (3) the effect of per capita expenditure on the HDI in the Districts/Cities of North Sumatra Province, (4) the effect of government expenditure in the education sector, health sector and per capita expenditure on the HDI in the Districts/Cities of North Sumatra Province. This study uses a quantitative approach using secondary data sourced from BPS Indonesia. The data used are panel data of DAK education, DAK health, per capita expenditure and HDI in 33 Districts/Cities of North Sumatra Province from 2018-2024 or as many as 231 observations. The data analysis technique in this study uses panel data regression with the Eviews 10 program application with the best selected estimation model, namely the fixed effect model (FEM). The results of this study indicate that: (1) government expenditure in the field of education has a positive and significant effect on the HDI in the Regency/City of North Sumatra Province, (2) government expenditure in the field of health has a positive and significant effect on the HDI in the Regency/City of North Sumatra Province, (3) per capita expenditure has a positive and significant effect on the HDI in the Regency/City of North Sumatra Province, (4) government expenditure in the field of education, health and per capita expenditure simultaneously have a significant effect on the HDI in the Regency/City of North Sumatra Province. Furthermore, the area with the best HDI model is in Padang Sidempuan Regency, while the area with the lowest HDI model is in Serdang Berdagai Regency.
Legal Reasoning Behind the Abolition of the Right to File for Judicial Review of Administrative Court Decisions by Administrative Agencies or Officials Haru Permadi; Oppy Pramudya W. W.
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.v8i3.8628

Abstract

The purpose of writing this article is to examine the legal reasoning for the elimination of the right to review the decision of a state administrative dispute by a state administrative body or official. The method used in writing this article is normative juridical. The study found that the Constitutional Court judges used a historical approach, a conceptual approach, and systematic interpretation in determining the abolition of the right of review in state administrative disputes by state administrative bodies or officials. In conclusion, the judges of the Constitutional Court abolished the right of judicial review to provide legal certainty over an inkracht decision of the State Administrative Court, protect public rights, and realize the original purpose of establishing the State Administrative Court.
The Effect of Information Quality and Promotional Media on Satisfaction with BSI Mobile Banking (Student Case Study FAI UMSU) Fiya Oktavia; Alfi Amalia
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.8630

Abstract

This study aims to determine the effect of information quality and promotional media on satisfaction with BSI mobile banking (case study of FAI UMSU students). This study uses a quantitative method with random sampling of 84 samples. The data analysis technique used in this study is quantitative analysis, namely the process of analyzing data in the form of numbers by means of statistical calculations to measure the quality of information and promotional media on satisfaction with BSI mobile banking. The results of the study show that simultaneously, information quality (X1) and promotional media (X2) have a significant effect on BSI mobile banking user satisfaction (Y).
Students Perceptions in Choosing the Sharia Banking Major in Relation to Future Career Prospects (Case Study on Sharia Banking Students at UINSU) Annisa Aulia Azzahra; Tuti Anggraini; Ahmad Perdana Indra
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.v8i3.8639

Abstract

Student perception plays a vital role in shaping attitudes, interests, and decisions, particularly in choosing a major and planning a career. Each individual has different perceptions depending on background, expectations, and information received. This study aims to explore the perceptions of final-year and new students in choosing the Sharia Banking major with regard to career prospects. Many students still believe that graduates can only work in banks, although opportunities are more diverse. The research method applied is qualitative, using open-ended questionnaires distributed to 100 respondents, consisting of 50 new and 50 final-year students. The findings show that final-year students possess a broader understanding due to academic and internship experiences, while new students tend to have limited views. Factors influencing perceptions include experience, knowledge, and environment. The study suggests the need for early career prospect socialization, stronger collaboration between universities and industry, and students’ active efforts in seeking information and developing skills.
Analysis of Zakat Maal Management to Improve the Dhuafa Economy (Case Study on Laznas IZI North Sumatra) Saidatul Mardiyah; Alfi Amalia
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.v8i3.8676

Abstract

This study aims to examine the management of zakat maal in improving the welfare of the poor with a case study on LAZNAS IZI North Sumatra. The research uses a descriptive qualitative method through interviews, observations, and document review. The results show that zakat collection is carried out through several mechanisms, such as direct payments, bank transfers, zakat pick-up services, and socialization to muzaki. However, low zakat literacy is still an obstacle in optimizing the potential for collection. In terms of distribution, zakat is distributed in a consumptive and productive form with a transparent survey and reporting system. This pattern is considered more advanced than a number of other zakat institutions that tend to be consumptive. Empowerment programs such as Lapak Berkah, business capital assistance, skills training, and scholarships have been proven to be able to increase the income and independence of some mustahik. However, the impact is not even due to the limitations of mentoring and low literacy of the beneficiaries' businesses. Other obstacles encountered include the scattered location of mustahik, the minimal number of companions, inappropriate use of funds, and limited program funds. Overall, the management of zakat maal in IZI North Sumatra contributes positively to improving the welfare of the poor, although it needs to be strengthened through continuous mentoring, increasing financial literacy, and wider cooperation so that the results are more optimal and sustainable.
The Effect of Enduring Service Intensifiers, Perceived Service Alternatives, and Self-Perceived Roles on the Level of Customer Satisfaction Using the Importance Performance Analysis Method (Case Study of Bank Sumut Syariah KC. Medan) Herlina Herlina; Tuti Anggraini; Muhammad Syukri Albani Nasution
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.v8i3.8769

Abstract

This study aims to determine the relationship and influence of Enduring Service Intensifiers, Perceived Service Alternatives, Self-Perceived Roles on the Level of Consumer Satisfaction using the importance performance analysis method (case study of Bank Sumut Syariah Kc. Medan). The type of research used in this study is quantitative research. The object of this research was conducted at Bank Sumut Syariah branch office Jl Imam Bonjol Medan. The population used in this study were Bank Sumut Syariah customers who saved at the bank in the first quarter of 2023, as many as 2,340 people. The sample in this study was 96 people. Data collection techniques used multiple linear analysis with the help of the SPSS program version 23.0. Based on the results of the partial hypothesis test (t-test), it shows that the variables Enduring Service Intensifiers, Perceived Service Alternatives, Self Perceives Roles have a significance value of <0.05, which means that the variables Enduring Service Intensifiers, Perceived Service Alternatives, Self Perceives Roles have a positive and significant influence on increasing consumer satisfaction, so that the hypothesis in this study is accepted.

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