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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 2,568 Documents
 134   135   136   137   138 
DEVELOPMENT OF THE PENTUPLE BOTTOM LINE MODEL IN MODERATING THE EFFECT OF FINANCIAL LITERACY AND FINANCIAL INCLUSION ON MSME BUSINESS SUSTAINABILITY Eris Juliansyah; Soekrisno Agoes; Nurmala Ahmar
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.v8i3.8363

Abstract

This study employs a Systematic Literature Review (SLR) approach to explore and synthesize prior research regarding the impact of financial literacy and financial inclusion on the business aspirations of Micro, Small, and Medium Enterprises (MSMEs). It also examines the potential implementation of the Pentuple Bottom Line concept as a comprehensive moderation framework. The SLR process involved analyzing scholarly articles published between 2013 and 2024 across databases such as Scopus, Google Scholar, and ScienceDirect using relevant keywords. The findings indicate that both financial literacy and financial inclusion consistently exert a positive influence on MSME aspirations, particularly in the economic and social domains. Nonetheless, there is a noticeable gap in research that incorporates the environmental, social, and spiritual dimensions encapsulated in the Pentuple Bottom Line model. As a result, the adoption of this framework is suggested to reinforce MSME sustainability strategies. This study provides a conceptual contribution by introducing a novel perspective for research and practice in value-driven sustainable business development.
Learning Community Management in Strengthening Differentiated Learning for Teachers of Tambakrejo 01 Public Elementary School, Gayamsari Sub-District, Semarang Ida Karima; Endang Wuryandini; Muhammad Prayito
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8371

Abstract

Teachers play a central role in implementing the Merdeka Curriculum, particularly in differentiated instruction that aligns with students' needs, interests, and readiness. This study aims to describe the management of professional learning communities in strengthening differentiated learning at SD Negeri Tambakrejo 01, Gayamsari District, Semarang City. The research employed a descriptive qualitative approach. Data were collected through in-depth interviews, participatory observation, and document analysis. Data were analyzed using the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The results indicate that learning community management includes need-based planning, structured role organization, routine implementation through CP-ATP discussions and micro teaching, and supervision by the principal through monitoring and feedback. The "Kombel Bersahabat" serves as an effective collaborative space that supports teachers in enhancing their ability to design and implement differentiated instruction. The study concludes that effective management of learning communities strengthens teacher competence in realizing student-centered learning.
The Effect of Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR) & Loan To Deposit Ratio (LDR) on Return on Assets (ROA) (Case Study: Government-Owned National Banks) Helmy Assegaff; Wita Juwita Ermawati; Alim Setiawan Slamet
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8376

Abstract

This study aims to analyze the influence of Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) on Return on Assets (ROA) in state-owned conventional commercial banks during the 2019–2023 period. The research employs multiple linear regression analysis using SPSS 25. The sample consists of four state-owned conventional commercial banks. The F-test results indicate that NPL, CAR, and LDR simultaneously have a significant effect on ROA, with an F-value of 21.925 and a significance level of 0.000. Partially, only the NPL variable has a significant effect on ROA, as shown by a t-value of -5.312 and a significance level of 0.000. Meanwhile, the CAR and LDR variables do not have a significant effect on ROA, with significance values of 0.318 and 0.961, respectively. Thus, it can be concluded that only NPL significantly affects the bank's profitability as measured by ROA.
The Impact of Generation Z’s Greenwashing Perception on Green Purchase Intention in the Context of Indonesian H&M Consumers Luh Prascitta Putri Ariawan; Alldila Nadhira Ayu Setyaning
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8390

Abstract

This research project studies at the impact of greenwashing perception on green purchasing intention among Generation Z customers in Indonesia, specifically at the fast fashion brand H&M. Based on Perceived Risk Theory and adapted from Lu et al. (2022), the study incorporates financial perceived risk and green perceived risk as mediating variables, as well as the moderating influence of impulsive purchasing behavior. The study used a quantitative approach, collecting responses from 287 individuals via an online survey and analysing the data with Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings show that greenwashing perceptions considerably raise financial and environmental risk. Furthermore, the idea of greenwashing harms green purchase intention, as does the perceived financial risk. However, green perceived risk has no significant impact on green purchasing intention, and impulsive buying has no significant moderating effect on the association between greenwashing perception and financial risk. These findings indicate that Generation Z customers in Indonesia are susceptible to greenwashing and that financial reasons weigh more heavily in purchasing decisions than environmental concerns. The findings have important implications for sustainable marketing tactics in the fast fashion industry.
Analysis of the Influence of Online Promotion, Service Quality, and Price on the Sustainability of Culinary MSMEs Tiva Rochana; Dwiyani Sudaryanti; Siti Asiyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8397

Abstract

This study aims to analyse the influence of online promotion, service quality, and price on the sustainability of culinary MSMEs in Dodolan Kampung, Lumajang. This study also aims to identify the most dominant factor influencing business sustainability among the three variables. This study uses a quantitative approach with a survey method through a structured questionnaire. The research sample consists of 80 respondents who are MSME consumers participating in Dodolan Kampung, with a non-probability sampling technique. The data was analyzed using multiple linear regression to test the effect of online promotion, service quality, and price on MSME sustainability. The results show that service quality and price have a positive and significant effect on the sustainability of culinary MSMEs in Dodolan Kampung. However, online promotion does not show a significant effect. Of the three variables tested, service quality is the most dominant factor in supporting business sustainability. This study contributes theoretically by presenting empirical evidence on the sustainability of culinary MSMEs from a marketing perspective, particularly in the context of local community-based initiatives such as Dodolan Kampung. The findings of this study challenge common assumptions about the effectiveness of digital promotion, showing that service quality and price play a more important role than online promotion in small-scale businesses in non-urban areas. This study implies that MSME players need to optimize digital promotion, improve service quality, and implement value-based pricing strategies to maintain business sustainability. For policymakers, these findings can serve as a basis for designing digital marketing and customer service training programs and providing policy support that promotes the sustainable competitiveness of MSMEs. This study has limitations in terms of geographical scope, as it only covers culinary MSMEs in Banguntapan District, so the results cannot be generalized to other regions or different MSME sectors. In addition, the quantitative approach used does not explore in depth qualitative factors such as motivation, business culture, and customer relationship dynamics that may also influence MSME sustainability
Consumer Trust as a Mediator: The Influence of Price Perception and Brand Image on School Choice Decision (Case Study at Ar-Rahman Excellence Junior High School) Desy Lestari; Hari Muharam; Agus Setyo Pranowo
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8399

Abstract

This research aims to determine the influence of price perception, brand image, and consumer trust on the decision to choose Ar-Rahman Excellent Junior High School, which is expected to provide input for the institution to increase the number of new student admissions each year. The sample in this study consists of parents of students who enrolled in the 2022/2023 academic year up to 2024/2025. Sampling was conducted using probability sampling with the simple random sampling method. Data analysis using Structural Equation Modeling (SEM) with the LISREL 8.80 program. The research results show that partially, price perception has a negative but insignificant effect on consumer trust, while brand image has a positive and significant effect. Price perception and brand image also have a positive and significant influence on the decision to choose Ar-Rahman Excellent Junior High School. Brand image proved to be the most dominant variable in influencing the decision to choose. Additionally, consumer trust also has a positive and significant influence on this decision. Simultaneously, price perception and brand image explain 82.8% of the variation in consumer trust, while price perception, brand image, and consumer trust together explain 89.2% of the variation in the decision to choose.
THE EFFECT OF GREEN MARKETING ON BRAND IMAGE AND ITS IMPACT ON PURCHASE DECISIONS FOR EIGER PRODUCTS IN BANDUNG CITY Selna Moh Triwidarto; Erna Maulina; Arianis Chan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8425

Abstract

This study aims to explore the impact of sustainable (green) marketing strategies on brand image and purchasing decisions among Generation Z consumers of EIGER products in Bandung City. Using a quantitative approach with SEM-PLS analysis through the SmartPLS 3.0 application, the research involved a minimum of 100 respondents located on Jl. Sumatera, Bandung. The findings indicate that green marketing strategies significantly influence brand image (O = 0.877) and purchasing decisions (O = 0.318). Brand image also has a significant effect on purchasing decisions (O = 0.636), and acts as a crucial mediator between green marketing and purchase decisions (O = 0.557). This study contributes to the literature on green marketing and consumer behavior, particularly in the context of Generation Z. It recommends that companies consistently apply sustainable marketing strategies to build a strong brand image and boost purchase intentions among younger consumers. The study is limited in geographic scope and brand focus, suggesting the need for future research to expand coverage and include various brands to enhance generalizability.
The Impact of Sustainability Reporting and Corporate Social Responsibility Implementation on Financial Performance with Corporate Governance as an Intervening Variable in Infrastructure Sector Companies on the Indonesia Stock Exchange in 2021–2024 Moulinda Dora; Andri Zainal; Azizul Kholis
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8438

Abstract

This study analyzes the Effect of the Implementation of Sustainability Reporting and Corporate Social Responsibility on Financial Performance with Corporate Governance as an Intervening Variable in Infrastructure Sector Companies on the Indonesia Stock Exchange in 2021-2024. The research sample is infrastructure companies listed on the IDX for the 2021-2024 period, totaling 45 companies with 180 observations. The data analysis technique uses panel data regression equations with path analysis. This study obtains several empirical evidences, namely, first, sustainability reporting directly has a negative and significant effect on financial performance. Second, corporate social responsibility directly provides a positive and significant influence on financial performance. This result can be interpreted based on stakeholder theory that companies that pay attention to CSR disclosure and already have corporate social responsibility reporting standards can increase stakeholder trust. Third, corporate governance does not moderate the relationship between sustainability reporting and financial performance. A large percentage of management ownership, and it is estimated that there will be an increase in management performance by creating innovation, new ideas obtained from employee resource skills and knowledge, and managerial ownership follows its control rights more than alignment of interests. Fourth, corporate governance moderates the influence of corporate social responsibility on financial performance. The results of this study are based on resource-based theory, that the existence of concern for the environment owned by the company is supported by the company's good intellectual ability, proving that the company is able to manage its intellectual resources effectively and efficiently, and indicates increasingly high financial performance and gets a positive response from investors.
The Influence of Digital Talent Management on Enhancing Employee Innovation in Endowment Fund Management Institutions: A Case Study at the Indonesian Endowment Fund for Education Adam Rachmat; Anggraini Sukmawati; Arry Ekananta
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.v8i3.8500

Abstract

This study examines the influence of digital talent management on enhancing innovative work behavior among employees at the Indonesia Endowment Fund for Education (LPDP), a key institution under the Ministry of Finance that manages education endowment funds. The research has three main objectives: 1) to identify the characteristics of digital talent at LPDP, 2) to analyze the influence of digital talent management, digital leadership, digital competence, and digital culture on innovative work behavior, and 3) to formulate managerial recommendations for developing digital talent management strategies. This study adopts a quantitative approach. Data were collected from 167 LPDP employees across four directorates who completed the questionnaire. The data were gathered through a structured online survey and analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results indicate that digital talent management significantly influences innovative work behavior, both directly and indirectly through mediating factors such as digital competence, digital leadership, and digital culture. Digital competence and digital leadership have particularly strong effects, while digital culture reinforces a work environment that is conducive to innovation. The managerial implications of these findings include the need to strengthen career development pathways, improve performance evaluation and compensation systems, and foster a digital culture that promotes collaboration and risk-taking. In conclusion, enhancing innovation among public sector employees requires a strategic and comprehensive approach to digital talent management that aligns with the institution’s vision of preparing globally competitive human resources and promoting national innovation.
The Effect of Artificial Intelligence Implementation on Digital Governance Performance Mediated by Digital Infrastructure and Human Resource Competence Dimas Andianto; Furqon Syarief Hidayatulloh; Amiruddin Saleh
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.v8i3.8501

Abstract

This study aims to analyze the role of Artificial Intelligence (AI), human resource (HR) competence, and digital infrastructure in supporting the performance of Digital Governance in Indonesia. The results indicate that HR competence and digital infrastructure have a significant direct influence on Digital Governance performance, with HR competence being the most dominant factor. Meanwhile, AI implementation does not have a significant direct effect but exerts an indirect impact through the mediation of HR competence and digital infrastructure. These findings emphasize the importance of a systemic approach to improving Digital Governance performance by optimizing AI utilization supported by competent human resources and reliable infrastructure. This study contributes both theoretically and practically to supporting digital transformation in the public sector and provides a basis for evidence-based policy formulation toward more effective, efficient, and sustainable governance.

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