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Mohamad Toha
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Jalan Raya Tirtowening Jl. Raya Tirtowening Pacet No.17, Bendorejo, Bendunganjati, Kec. Pacet, Kabupaten Mojokerto, Jawa Timur 61374
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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 2,181 Documents
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Analysis of Service Quality on Customer Satisfaction with Servqual and Kano Model in Convenience Store XYZ Surabaya Wandana, Yasmine Azalia; Aryanny, Enny
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.v8i3.7062

Abstract

Convenience Store XYZ Surabaya is located in the city center and commercial area, so it has high customer potential. However, this branch received a low rating of 2,5 out of 5, lower than other branches in Surabaya. Based on these problems, an improvement in service quality is carried out to customer satisfaction using the Service Quality method and the Kano Model. This study aims to determine the quality of service to customer satisfaction and provide suggestions for improvements to improve the quality of service of Convenience Store XYZ Surabaya. The results of the analysis using Service Quality show that the quality of service is 0,78, which means that the service has not met customer expectations. Through Kano Model analysis, service attributes are classified into Must Be, One Dimensional, Attractive, and Indifferent categories. The results of the analysis of the two methods show that there are 11 attributes that need to be maintained and 9 attributes that must be improved. There are several suggestions for improvements that can improve service quality at Convenience Store XYZ Surabaya such as menu innovation, employee responsiveness, employee behavior, and environmental cleanliness.
The Influence of Work Life Balance, Workload, and Work Environment on Organizational Commitment to Employment BPJS in Mojokerto Jafar, Latifah Rukmiati Ifnu; Prabowo, Budi
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.v8i3.7271

Abstract

This study aims to analyze the effect of work-life balance, workload, and work environment on organizational commitment at BPJS Ketenagakerjaan in Mojokerto. This type of research is associative quantitative with a population of all employees of BPJS Ketenagakerjaan Mojokerto, totaling 40 people. Data collection techniques using questionnaires and analysis techniques using multiple linear regression using SPSS 30 software. The results showed that work-life balance, workload, and work environment simultaneously had a significant effect on organizational commitment. Partially, work-life balance, workload, and work environment each have a significant positive effect on organizational commitment. These findings indicate the importance of managing workload, creating work-life balance, and a supportive work environment in increasing employee commitment to the organization.
The Effect of Local Revenue, Capital Expenditure, and Expenditure on Education and Health Functions on the Poverty Rate: A Study in Regencies/Cities in East Nusa Tenggara (NTT) from 2019–2024 Gai, Ardiyanto Maksimilianus; Apriyanto, Gaguk Apriyanto; Burhan, Moh.
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.7756

Abstract

The objective of this study is to determine the effect of local revenue, capital expenditure and education and health function expenditure on the poverty rate: a study conducted in regencies/cities within East Nusa Tenggara (NTT) Province for the period 2019–2024. The type of research applied in this study is correlational research, and its scope refers to quantitative research. The research location refers to the place where the research data is obtained. In this case, the location is the regencies/cities in East Nusa Tenggara (NTT), with data collected from regional financial reports for the years 2019–2024. The type of data used in this study is secondary data, specifically time series data. The data collection techniques employed in this research consist of two primary methods: literature study and documentation method. The data analysis technique used is multiple linear regression. Based on the research findings, three main conclusions were obtained local revenue has a significant and negative effect on the poverty rate, capital expenditure does not have a significant effect on the poverty rate, and expenditure on education and health functions has a significant and negative effect on the poverty rate. Based on the study’s findings, future research should consider additional variables such as social assistance, unemployment, and inflation to better understand poverty dynamics in east nusa tenggara. Using panel data or qualitative approaches, expanding the study area, and evaluating the efficiency of education and health spending are also recommended for more accurate and region-specific poverty reduction insights.
Investment Trends Among Young Generation: Exploring Motivation and Educational Influence of Gen Z and Millennials Dewi, Fitria; Herni, Herni; Destiana, Rina
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze how motivation and education affect investment interest among the younger generation, especially Generation Z and Millennials, which shows a dominance trend in capital market investment activities in Indonesia. With economic growth and the rapid development of digital technology, the younger generation now has wider and easier access to applicable information and investment instruments. This study utilizes a quantitative method with a population consisting of students of Gunung Jati Swadaya University Cirebon. Data was obtained through a questionnaire distributed to 157 respondents and analyzed using SmartPLS 3.0. The results of the analysis show that investment motivation and education have a positive and significant influence on investment interest. This suggests that the higher the level of motivation and education an individual receives, the greater their inclination to invest in the capital market. The implications of this study show the importance of providing inclusive and adaptive financial education to the characteristics of the younger generation. This research also provides strategic input for financial industry players and the government in designing future education programs that are able to arouse the interest and participation of the younger generation in the capital market. However, the limitations of this study include the narrow scope of respondents and approaches that do not capture changes in long-term dynamics, so further and in-depth follow-up research is needed.
Analysis of Workload and Social Support on Employee Performance (Survey on Employee Alfamart Subdistrict Warudoyong City Sukabumi) Sulaeman, Renaldy; Komariah, Kokom; Nurmala, Resa
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.v8i3.8106

Abstract

This study aims to examine the extent of the influence of Workload and Social Support on Employee Performance at Alfamart in the Warudoyong District, Sukabumi City. The research method used is quantitative with a descriptive associative approach. This study employed simple random sampling technique. Data collection techniques involved observations and questionnaires distributed to 59 employees, containing statements related to the variables of workload, social support, and employee performance, measured using a Likert scale. The data obtained were subjected to various tests such as validity and reliability tests, as well US classical assumption tests, and were then analyzed using various tests with the help of SPSS 25 software to answer the hypotheses in this study. The results of the study indicate that workload and social support simultaneously affect employee performance. Partial testing shows that workload affects employee performance as the t-count of 3.605 is greater than the t-table of 1.672, and social support management affects employee performance as the t-count of 3.645 is greater than the t-table of 1.672. The findings of this research add to the understanding of developing strategies in managing employee performance by considering effective workload management in the retail environment.
Financial Performance Evaluation for PT XYZ’s Subcontractor Selection for PIT X Mining Project at PT VWX Wanardijaya, Rico; Sumirat, Erman Arif; Damayanti, Sylviana Maya
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.v8i3.8115

Abstract

This study is conducted to support PT XYZ in identifying the most financially sound subcontractor for executing the PIT X mining project, commissioned by PT VWX. Given PT XYZ’s limited working capital, the company plans to delegate the project to one of several publicly listed subcontractors. To make an informed decision, a comprehensive assessment of financial performance is essential to ensure the selected firm can handle both the operational and financial demands of the project.The research utilizes financial ratio analysis focused on four primary dimensions: liquidity, activity, solvency, and profitability. Key indicators such as the current ratio, quick ratio, total asset turnover, debt ratio, interest coverage, net profit margin, return on assets, and return on equity are applied to evaluate three shortlisted subcontractors: PT Darma Henwa Tbk (DEWA), PT Delta Dunia Makmur Tbk (DOID), and PT Petrosea Tbk (PTRO). The Weighted Scoring Method (WSM) is used to assign importance to each ratio based on strategic value, resulting in a composite score that reflects each company’s overall financial condition.The findings indicate that PT Petrosea (PTRO) secures the highest weighted score, suggesting it possesses superior financial stability and operational effectiveness compared to the others. PTRO shows consistent strength in asset management, solvency, and profitability, making it the top candidate for subcontracting the PIT X project. This study presents a structured, evidence-based model for evaluating subcontractors, which can be extended to vendor selection practices in other capital-intensive sectors.
Moderation of Profitability on Environmental, Social, Governance on Company Value in the Coal Mining Sector Indul, Agnesti; Apriyanto, Gaguk; Parawiyati, Parawiyati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

The key factor that investors need to consider before investing their capital is the assessment of the company's value. The purpose of this study is to analyze the moderating role of profitability on the influence of environmental, social, governance (ESG) on firm value. The analysis in the research uses quantitative analysis and the type of data is explanatory research with time series and cross section data from 2019-2023 using the moderated regression method with SPSS software. The research results state that there is a positive and significant effect of environmental, social, governance (ESG) on firm value, and the results of the profitability moderation analysis state that profitability has a significant effect on the effect of environmental, social, governance (ESG) on firm value, but has a negative moderation direction. These empirical results indicate that although ESG generally has a positive impact on firm value through increased stakeholder trust and social legitimacy, the presence of profitability as a moderating variable can weaken this effect. The implication of this finding is that coal mining companies need to increase ESG practices as it is proven to increase firm value by building market trust and good reputation. However, although profitability (ROA) strengthens the relationship between ESG and firm value, high profitability can reduce the focus on ESG. Therefore, companies need to maintain stability between profitability and ESG commitment, strengthen disclosure transparency, and utilize ESG practices as a competitive advantage to maintain social legitimacy and competitiveness in the global market.
The Effect of Corporate Image and Product Quality on Loyalty Mediated by Satisfaction: A Case Study on Savings Customers of PT. BPR BKK Jepara (Perseroda) Wulandari, Sri Wulandari; Tjahjaningsih, Endang
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Customer loyalty is one of the elements to achieve bank profitability. This study aims to analyze the influence of corporate image, product quality and satisfaction on loyalty. The number of samples in this study was 112 respondents in savings products. Sampling used purposive sampling with the criteria being customers at the operational head office, customer age > 17 years, length of service as a customer for more than 2 years and having at least 2 accounts at PT BPR BKK Jepara (Perseroda). Data analysis techniques include descriptive statistics, instrument testing and multiple linear regression analysis tests, mediation tests using the Sobel test. The results of the data analysis obtained that corporate image has a significant positive effect on satisfaction, product quality has a significant positive effect on satisfaction, corporate image does not affect loyalty, product quality has a significant positive effect on loyalty, satisfaction has a significant positive effect on loyalty. The results of the mediation test obtained that although corporate image does not directly affect loyalty, it can affect loyalty through satisfaction mediation. Product quality affects loyalty through satisfaction mediation.
The Effect of Trust and Service Quality on Loyalty with Satisfaction as a Mediation Variable: A Case Study on Deposit Customers of PT. BPR BKK Jepara (Perseroda) Basri, Basri; Tjahjaningsih, Endang
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Customers are an essential component as one of the elements of bank credibility. Customer loyalty can be used as an indicator to see the bank's ability to meet customer needs. This study aims to analyze efforts to increase customer loyalty through trust, service quality and satisfaction. The population in this study were deposit customers at PT BPR BKK Jepara (Perseroda). The sample in this study was 100 respondents. Sampling was taken using a purposive sampling technique with the following criteria: being a customer of the operational head office, aged over 17 years and being a customer for more than 1 year. Data analysis techniques used include: respondent description, variable description, instrument test and regression analysis test, and mediation test using the Sobel test. The results of the data analysis indicate that customer trust does not affect satisfaction, service quality has a significant positive effect on satisfaction, customer trust has a significant positive effect on loyalty, service quality has a significant positive effect on loyalty, satisfaction has a significant positive effect on loyalty. The results of the mediation test indicate that satisfaction does not mediate the effect of trust on loyalty. However, satisfaction mediates the effect of service quality on loyalty.
The Influence of Artificial Intelligence, Audit Information System, and Remote Audit on Auditor Performance Purwadi, Fidel Muhammad; Murtanto, Murtanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8220

Abstract

This study aims to analyze the influence of Artificial Intelligence, Audit Information Systems, and Remote Audits on Auditor Performance by adopting the Theory of Planned Behavior and the Technology Acceptance Model. The research uses primary data obtained through questionnaires distributed to auditors who hold a bachelor's degree, work at Public Accounting Firms (KAP), and have knowledge of Artificial Intelligence, Audit Information Systems, and Remote Audits. The sampling technique employed is purposive sampling. The results show that all three independent variables have a positive and significant influence on auditor performance. Artificial Intelligence has been proven to enhance the efficiency and effectiveness of auditors’ work. Audit Information Systems support a more structured and accurate audit process, while the implementation of Remote Audits provides greater flexibility and accessibility in audit execution. These findings indicate that the optimal use of digital technology can significantly improve overall auditor performance.

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