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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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Comparison of Financial Distress Measurement Models in Technology Companies on the Indonesia Stock Exchange in 2022-2024 Kezia Sugiwan; Fredella Colline
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.v9i1.9641

Abstract

The objectives of this study are: (1) to measure the potential financial distress of technology companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period using the Altman Z-Score, Zmijewski X-Score, and Grover G-Score methods; (2) to examine differences in the results among these methods; and (3) to determine the method with the highest level of accuracy. This study employs a quantitative approach using secondary data in the form of annual financial statements. The research sample consists of 29 companies with a total of 87 observations. The results of the analysis using the Altman Z-Score, Zmijewski X-Score, and Grover G-Score indicate that each method identifies three companies as potentially experiencing financial distress, with different company compositions across methods. The Kruskal–Wallis test results also show a statistically significant difference among the methods in predicting financial distress. Based on the accuracy test results, the Grover G-Score method is the most accurate method in this study. This research provides practical implications as an early warning tool for management and investors in assessing the risk of financial distress in technology companies.
The Effect of Career Development and Organizational Commitment on the Motivation of Civil Servants at the Inspectorate of West Kalimantan Province Anisa Susanti; Arninda Arninda
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the effect of career development and organizational commitment on the work motivation of Civil Servants (PNS) at the Inspectorate of West Kalimantan Province. The study employs a quantitative approach with an associative method. The research population consists of all Civil Servants at the Inspectorate of West Kalimantan Province (excluding the Inspector), totaling 114 individuals. The sample comprises 114 respondents selected using a saturated sampling technique. Data analysis includes validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that all instrument items are valid and reliable. The regression model yields the equation Y = 1.139 + 0.310X1 + 0.341X2. The correlation coefficient value is 0.615, indicating a strong relationship between career development and organizational commitment and work motivation. The coefficient of determination is 0.379, meaning that 37.9% of work motivation can be explained by career development and organizational commitment, while the remaining 62.1% is influenced by other variables not included in this study. The simultaneous test results show a significant simultaneous effect of career development and organizational commitment on work motivation. The partial test results indicate that career development has a significant partial effect on work motivation, and organizational commitment also has a significant partial effect on the work motivation of Civil Servants at the Inspectorate of West Kalimantan Province.
The Effect of Current Ratio, Return on Assets, Net Profit Margin, and Return on Equity on Firm Value with Earnings per Share as a Moderating Variable in Consumer Non-Cyclicals Sector Companies Listed on the Indonesia Stock Exchange Mega Rizki Hasanawati; Dedi Hariyanto; Heni Safitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study examines the effect of the Current Ratio (CR), Return on Assets (ROA), Net Profit Margin (NPM), and Return on Equity (ROE) on firm value, proxied by Price to Book Value (PBV), and investigates the moderating role of Earnings per Share (EPS) in consumer non-cyclicals sector companies listed on the Indonesia Stock Exchange. The study is motivated by the observation that firms in defensive sectors do not consistently experience higher market valuation, indicating that financial performance indicators may be interpreted selectively by investors. A quantitative associative approach was employed using secondary data obtained through documentation of audited annual financial statements and market data for the 2021–2023 period. The sample was selected using purposive sampling, resulting in 84 companies with 252 firm-year observations. Data were analyzed using classical assumption tests and Moderated Regression Analysis (MRA). The results show that CR and ROA have a negative and significant effect on PBV, while ROE has a positive and significant effect; NPM does not exhibit a significant effect. Furthermore, EPS has a significant direct effect on firm value and moderates the relationships between ROA and PBV as well as ROE and PBV, but does not moderate the effects of CR and NPM on PBV. These findings indicate that firm valuation in the consumer non-cyclicals sector is more sensitive to specific profitability indicators and earnings per share conditions than to liquidity and sales margin measures. Future studies are encouraged to include control variables such as firm size, leverage, and growth to enhance model robustness.
The Impact of CAMEL ComponenThe Impact of CAMEL Components on Bank Profitability: The Moderating Role of Firm Size in Indonesian Bankingts on Bank Profitability: The Moderating Role of Firm Size in Indonesian Banking Monica Lyras Ayunda; Edy Suryadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study investigates the determinants of bank profitability in Indonesia using the CAMEL framework with firm size as a moderating variable, grounded in signaling theory. The research examines how capital adequacy, asset quality, earnings capacity, operational efficiency, and liquidity function as financial signals that influence bank profitability. The sample consists of banking companies listed on the Indonesia Stock Exchange during the period 2020-2024, comprising 140 firm-year observations. Multiple linear regression and Moderated Regression Analysis (MRA) are employed to assess both direct and moderating effects on profitability, measured by Return on Assets (ROA). The empirical results indicate that Net Interest Margin (NIM) has a positive and statistically significant effect on ROA, while the Operating Expenses to Operating Income Ratio (BOPO) and Loan to Deposit Ratio (LDR) exhibit significant negative effects, underscoring the importance of earnings efficiency, cost control, and prudent liquidity management in enhancing bank profitability. In contrast, Capital Adequacy Ratio (CAR) and Non-Performing Loans (NPL) do not show significant direct effects on ROA, suggesting that regulatory standardization and effective risk management may limit their short-term influence on profitability. Furthermore, firm size does not directly affect ROA but significantly moderates the relationship between credit risk and profitability, indicating that larger banks are better equipped to absorb adverse credit risk. This study contributes to the banking literature by providing empirical evidence from an emerging market context and reinforcing the relevance of signaling theory in explaining how financial indicators shape bank profitability.
The Contribution of the TNI Manunggal Membangun Desa Program to Community Welfare in Indonesia Mohammad Zaini; Alfitri Alfitri; Andries Lionardo; Sena Putra Prabujaya
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.v9i1.9720

Abstract

This study aims to explore the contribution of the TNI Manunggal Membangun Desa (TMMD) program to community welfare in Indonesia and to propose a new conceptual framework for optimizing the implementation of TMMD based on the principles of New Public Management (NPM). The research employs a qualitative approach, utilizing both primary and secondary data sources, which are analyzed through thematic analysis to identify key patterns and themes in the implementation of TMMD. The main theoretical framework applied in this study is New Public Management, which is used to examine the managerial transformation and governance of TMMD as a performance- and results-oriented development program. The findings indicate that TMMD has implicitly adopted several NPM principles, including professionalized management, impact-based performance measurement, outcome-oriented service delivery, organizational specialization, cross-sectoral collaboration, and disciplined and efficient resource management. These practices have enhanced program effectiveness and generated tangible socio-economic benefits for local communities. Based on these findings, this study proposes an optimization framework that positions TMMD as a collaborative, accountable, and results-oriented public policy instrument, contributing both theoretically and practically to the discourse on results-based governance and development in the public sector.
The Effect of Location and Price on Consumer Decision in Motorcycle Service Businesses at CV Jaya Agung Mandiri, Ngabang District Nyemas Anggi Rahayu; Sukardi Sukardi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study examines the effect of location and price on consumer decisions in selecting motorcycle service services at CV Jaya Agung Mandiri, Ngabang District. An associative research design was applied. The population comprised consumers domiciled in Ngabang who had used the workshop’s services, with 100 respondents selected through purposive sampling. Data were collected using a structured questionnaire and tested for validity and reliability. Classical assumption tests (normality, linearity, and multicollinearity) were conducted prior to hypothesis testing. The analysis employed multiple linear regression, correlation and determination coefficients, and simultaneous (F-test) and partial (t-test) significance tests using SPSS 25. The regression model indicates positive coefficients for both predictors (Y = 2.133 + 0.110X₁ + 0.396X₂). The correlation coefficient (R = 0.528) suggests a moderate relationship between the independent variables and consumer decision, while the coefficient of determination (R² = 0.279) shows that location and price explain 27.9% of the variance in consumer decisions, leaving 72.1% attributable to other factors not included in the model. The F-test result (F = 18.745; p < 0.05) indicates that location and price jointly have a statistically significant effect on consumer decisions. The t-test results confirm that each variable has a significant positive effect when assessed separately (location: p = 0.002; price: p < 0.001). These findings imply that, within the observed setting, consumers’ service choices are associated with accessibility-related considerations and perceived price appropriateness, although substantial variance remains unexplained and may involve service quality, trust, or other contextual determinants.
The Influence of Electronic Service Quality and Perceived Value on Customer Loyalty of VIDIO DOT COM in Pontianak City Through Satisfaction as an Intervening Variable Aqmal Zulmin Layardi; Muhammad Ebuziyya Alif Ramadhan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the influence of electronic service quality and perceived value on customer loyalty of Vidio.com in Pontianak City, with customer satisfaction as an intervening variable. The research employs a quantitative approach with an associative research design. The population of this study consists of residents of Pontianak City who have used Vidio.com services. The sample was determined to be 100 respondents using purposive sampling techniques, with criteria including a minimum age of 18 years and having used Vidio.com at least once. Data were collected using questionnaires and analyzed using SEM-PLS through SmartPLS 3 software. Evaluation of the measurement model (outer model) was conducted through convergent and discriminant validity tests, Average Variance Extracted (AVE) values, and construct reliability. Evaluation of the structural model (inner model) was performed using R-square values and testing of direct and indirect effects through bootstrapping. The results show that electronic service quality does not have a significant effect on satisfaction, while perceived value has a positive and significant effect on satisfaction. Satisfaction has a positive and significant effect on customer loyalty. Furthermore, electronic service quality and perceived value do not have a direct effect on loyalty. In mediation testing, satisfaction does not mediate the effect of electronic service quality on loyalty, but it significantly mediates the effect of perceived value on loyalty.
The Effect of Financial Literacy, Financial Inclusion, and the Ability to Prepare Financial Statements on the Financial Performance of MSMEs in the Trade Sector in Pontianak Sarwawan Hidayat; Fuad Ramdhan Ryanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the effect of financial literacy, financial inclusion, and the ability to prepare financial statements on the financial performance of MSMEs in the trade sector in Pontianak City. This study employs a quantitative approach with an associative research design. The sampling technique used was purposive sampling, involving 150 MSME actors as respondents. Primary data were collected through the distribution of questionnaires using a five-point Likert scale and subsequently analyzed using multiple linear regression after passing validity tests, reliability tests, and classical assumption tests. The results of the analysis indicate that partially, financial literacy does not have a significant effect on the financial performance of MSMEs. In contrast, financial inclusion and the ability to prepare financial statements have a positive and significant effect on the financial performance of MSMEs. Simultaneously, financial literacy, financial inclusion, and the ability to prepare financial statements have a significant effect on the financial performance of MSMEs. The correlation coefficient (R) value of 0.758 indicates a strong relationship between the independent variables and the dependent variable, while the coefficient of determination (R²) value of 0.575 indicates that 57.5% of the variation in MSME financial performance can be explained by the three variables, while the remaining portion is influenced by other factors outside the research model. The findings of this study indicate that improvements in MSME financial performance do not solely depend on the level of financial knowledge, but are more strongly determined by access to formal financial services and technical capabilities in systematically preparing financial statements as a basis for business decision-making.
The Influence of Hijab Trends, Product Reviews, and Product Ratings on Hijab Purchase Decisions by Shopee Users in Pontianak Faaiza Soraya Khalida; Heni Safitri; Mahardika Agung Madepo
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the influence of Hijab Trends, Product Reviews, and Product Ratings on Hijab Purchase Decisions by Shopee users in Pontianak City. This research uses a quantitative approach with a causal associative research design. The sampling technique used was purposive sampling with a total of 203 Shopee users in Pontianak City who had purchased hijab products. Primary data were collected through the distribution of online questionnaires using a five-point Likert scale and were then analyzed using multiple linear regression after passing validity tests, reliability tests, and classical assumption tests. The results of the analysis show that partially, Hijab Trends, Product Reviews, and Product Ratings have a positive and significant effect on Hijab Purchase Decisions. Simultaneously, Hijab Trends, Product Reviews, and Product Ratings also have a significant effect on Hijab Purchase Decisions. The correlation coefficient (R) value of 0.863 indicates a strong relationship between the independent variables and the dependent variable, while the coefficient of determination (R2) value of 0.744 indicates that 74.4% of the variation in Hijab Purchase Decisions can be explained by Hijab Trends, Product Reviews, and Product Ratings, while the remaining percentage is influenced by other factors outside the research model. The findings of this study indicate that Hijab Purchase Decisions by Shopee users in Pontianak City are influenced by the relationship between Hijab Trends, Product Reviews, and Product Ratings.
The Influence of Financial Knowledge, Financial Self-Efficacy, and Financial Stress on Financial Well-Being among University Students Using Paylater in Pontianak City Dwi Kartika; Edy Suryadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to determine the influence of Financial Knowledge, Financial Self-Efficacy, and Financial Stress on Financial Well-Being among university students using paylater in Pontianak City. This study uses an associative method. The population in this study consists of university students in Pontianak City who use paylater services for transactions, with a sample of 150 respondents determined using purposive sampling techniques. Instrument testing techniques in this study include validity and reliability tests. Furthermore, the classical assumption tests used consist of normality, linearity, and multicollinearity tests. Hypothesis testing was conducted using multiple linear regression analysis, correlation coefficient, coefficient of determination, simultaneous test (F test), and partial test (t test). Based on the results of multiple linear regression analysis, the regression equation obtained is Y = 1.509 + 0.254X₁ + 0.433X₂ − 0.064X3. The correlation coefficient results show a value of 0.769, meaning there is a strong relationship between Financial Knowledge, Financial Self-Efficacy, and Financial Stress on Financial Well-Being. The coefficient of determination shows a value of 0.592, meaning that Financial Well-Being is influenced by Financial Knowledge, Financial Self-Efficacy, and Financial Stress by 59.2%, while the remaining 40.8% is influenced by other variables not examined in this study. The simultaneous test results indicate that Financial Knowledge, Financial Self-Efficacy, and Financial Stress together have a positive and significant influence on Financial Well-Being. Based on the partial test results, it is known that Financial Knowledge and Financial Self-Efficacy have a positive and significant influence on Financial Well-Being. Meanwhile, Financial Stress separately has a negative and significant influence on Financial Well-Being.

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