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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
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ShopeePay: How Security Perception and Ease of Use among Its Users Would Affect Loyalty through Trust in Pontianak Diwani Fara Sagita; Muhammad Ebuziyya Alif Ramadhan; Helman Fachri
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 examine the influence of Security Perception and Ease of Use on Loyalty through Trust in choosing to conduct transactions using ShopeePay in Pontianak City. This research employs an associative method. The population in this study consists of all ShopeePay users domiciled in Pontianak City, with a sample size of 100 respondents determined using purposive sampling technique. The data analysis technique in this study uses Structural Equation Modeling (SEM) with the assistance of SmartPLS Version 3 software. The data testing in this study consists of testing the outer model and the inner model. Inner model testing includes tests for convergent and discriminant validity, Average Variance Extracted (AVE), and Reliability Testing. Meanwhile, outer model testing consists of R-Square testing, direct effect, and indirect effect testing. This research is motivated by the empirical gap concerning the role of trust as an intervening variable in the relationship between security perception and ease of use on user loyalty in digital payment services, where most previous studies have emphasized the direct influence of these two variables on loyalty. In Pontianak City, studies on ShopeePay that integrate trust as a mediating variable remain very limited. The novelty of this research lies in the finding of a full mediation model, in which security perception and ease of use significantly influence trust, trust significantly influences loyalty, yet neither security perception nor ease of use exerts a direct influence on loyalty. Theoretically, this research confirms the position of trust as a key determinant in building e-wallet user loyalty and enriches the development of the Technology Acceptance Model and loyalty within the context of financial technology at the regional level. Based on the direct effect analysis results, it is found that security perception and ease of use have a direct influence on trust, and trust subsequently has a direct influence on user loyalty. However, security perception and ease of use do not have a direct influence on loyalty. Furthermore, based on the indirect effect test results, it is known that both security perception and ease of use influence user loyalty through the mediating role of trust.
The Impact of Hedonistic Lifestyle, FOMO, and Financial Literacy on Personal Financial Management among Gen Z Students in Pontianak with Self-Control as a Moderating Variable Dwi Desi Wulansari; Heni Safitri; Dedi Hariyanto
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 hedonistic lifestyle, Fear of Missing Out (FOMO), and financial literacy on personal financial management among Gen Z students in Pontianak, with self-control as a moderating variable. The method used is a quantitative approach with a descriptive associative research method and Moderated Regression Analysis (MRA) technique. Data collection was carried out using primary and secondary data. Primary data was obtained through an online questionnaire (Google Forms) measured using a Likert scale with 5 response levels, while secondary data was obtained through literature study and official documents. The population of the study consisted of 74,149 Gen Z students in Pontianak, with a sample of 150 respondents. Instrument testing was performed through validity and reliability tests using SPSS, followed by classical assumption tests (normality, linearity, and multicollinearity), as well as hypothesis testing using F and t-tests at a significance level of 0.05. The results show that all research instruments are valid and reliable. The classical assumption test indicates that the data is normally distributed, there is no multicollinearity, and the relationship between variables is linear. The results of MRA equation I show that the hedonistic lifestyle and FOMO do not have a partial effect on personal financial management, while financial literacy has a significant effect. The results of MRA equation II show that self-control moderates the effect of hedonistic lifestyle and financial literacy on personal financial management, but does not moderate the effect of FOMO. The F test shows that the hedonistic lifestyle, FOMO, and financial literacy simultaneously have a significant effect on personal financial management, and the presence of self-control strengthens the research model.
The Effect of Digital Financial Literacy, Digital Lifestyle, and Perceived Ease of Use on the Financial Management of E-Wallet Users among Students in Pontianak Nia Aprianti; 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 aims to identify the effect of digital financial literacy, digital lifestyle, and perceived ease of use on the financial management of student e-wallet users in Pontianak City. This study uses an associative method. The population in this study consists of all active students domiciled in Pontianak City, 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 carried out using multiple linear regression analysis, correlation coefficient, coefficient of determination, simultaneous test (F test), and partial test (t test). Based on the simultaneous test results, the calculated F value is 47.857 > the F table value of 2.67 with a significance level of 0.000 < 0.05, which means that digital financial literacy, digital lifestyle, and perceived ease of use simultaneously have a positive and significant effect on the financial management of student e-wallet users in Pontianak City. The partial test results show that digital financial literacy, digital lifestyle, and perceived ease of use individually have a positive and significant effect on financial management.
The Effect of E-Wallet Usage Intensity, Lifestyle, and Income on Personal Financial Management with Self-Control as a Moderating Variable among Private Employees in Pontianak Maulidya Syafira; Heni Safitri; Dedi Hariyanto
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 e-wallet usage intensity, lifestyle, and income on personal financial management, with self-control as a moderating variable among private employees in Pontianak City. The method used is quantitative with moderated regression analysis (Moderated Regression Analysis/MRA). The research sample consisted of 150 respondents selected using purposive sampling techniques. Data were collected through a questionnaire measured using a Likert scale and analyzed with SPSS version 25. The correlation coefficient test showed a strong relationship in the first model (R = 0.725) and a very strong relationship in the second model (R = 0.857) after considering self-control as a moderating variable. The coefficient of determination test (R²) in the first model shows that 52.5% of the variation in personal financial management is influenced by e-wallet usage intensity, lifestyle, and income, while in the second model, the R² value increased to 73.4%, indicating the role of self-control in moderating the relationship between these variables. Based on the Moderated Regression Analysis results, it can be concluded that self-control significantly moderates the effect of income on personal financial management, but does not moderate the effect of e-wallet usage intensity and lifestyle. The F test results show that e-wallet usage intensity, lifestyle, and income simultaneously have a significant effect on personal financial management. This study provides practical implications that to improve personal financial management among private employees in Pontianak City, attention needs to be given to the influence of e-wallet usage intensity, lifestyle, and income, by strengthening self-control to optimize financial management.
MSME Financial Capacity Development Model (Micro, Small, Medium Enterprises) Dian Safita; Abdul Kahar; Mustamin Mustamin; Latifah Sukmawati Yuniar
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.v9i1.9806

Abstract

This study aims to analyze the financial capacity development model of micro, small, and medium enterprises (MSMEs) fostered by business incubators and its impact on business performance. The research adopts a qualitative approach using a case study method conducted at a business incubator in Palu City. Data were collected through in-depth interviews, observation, and documentation involving incubator managers, financial mentors, and assisted MSME owners. Data analysis was conducted using the Miles and Huberman interactive model, which includes data reduction, data display, and conclusion drawing. The findings reveal that the financial capacity development model implemented by the business incubator effectively encourages changes in MSMEs’ financial behavior following the mentoring process. Initially, MSMEs exhibited low financial capacity, characterized by the absence of systematic financial records, the mixing of personal and business finances, and business decision-making that was not based on financial data. After receiving mentoring, MSMEs began to adopt simple financial record-keeping practices and utilize digital financial technologies. The development of financial capacity has a positive impact on MSME performance, particularly in improving the efficiency and effectiveness of business management, enabling more rational pricing decisions, and enhancing overall business performance. This study highlights the strategic role of business incubators as a business development ecosystem capable of sustainably strengthening MSMEs’ financial capacity through integrated assistance tailored to the actual needs of business owners.
The Effect of Product and Price on Purchasing Decisions of Unilever Products at CV Kita Beauty Pontianak Jacinda Malva Liya; Helman Fachri
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

Competition in the Fast Moving Consumer Goods (FMCG) industry and the cosmetic retail sector in Pontianak City encourages consumers to be increasingly selective in making purchasing decisions, particularly by considering product quality and price suitability. This condition is relevant for CV Kita Beauty Pontianak as a cosmetic retailer that serves as one of the distribution channels for Unilever products. The research problem of this study is whether product and price influence purchasing decisions of Unilever products at CV Kita Beauty Pontianak, both partially and simultaneously. This study aims to analyze the effect of product and price on purchasing decisions of Unilever products at CV Kita Beauty Pontianak. The method used is associative research with a quantitative approach. Primary data were collected through closed questionnaires and interviews, while secondary data were obtained from company documents. The research sample consisted of 100 respondents using a purposive sampling technique, and data analysis was conducted using multiple linear regression accompanied by validity tests, reliability tests, and classical assumption tests (normality, linearity, and multicollinearity). The results show that the research instruments are valid and reliable and that the model meets classical assumptions. Partially, product has a positive and significant effect on purchasing decisions (β = 0.374; t = 4.356; p < 0.05) and price has a positive and significant effect on purchasing decisions (β = 0.268; t = 3.408; p < 0.05). Simultaneously, product and price have a significant effect on purchasing decisions (F = 30.107; p < 0.05) with a coefficient of determination (R²) of 0.485, indicating that 48.5% of the variation in purchasing decisions is explained by product and price.
The Effect of Career Development and Self-Esteem on the Job Satisfaction of Civil Servants at the Office of the Ministry of Religious Affairs of Pontianak Tassyia Nurdea; Irfan Mahdi
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

The development of Society 5.0 positions human resources as a strategic factor in achieving organizational goals, including in government institutions that deliver public services. The job satisfaction of Civil Servants (ASN) has become an important issue because it is associated with productivity, discipline, and service quality. Empirical data at the Office of the Ministry of Religious Affairs of Pontianak City for the period 2022–2024 indicate fluctuations in absenteeism, lateness, as well as a significant decline in promotions, which suggests the need to examine factors that influence job satisfaction. The research problem in this study is whether career development and self-esteem affect the job satisfaction of ASN at the Office of the Ministry of Religious Affairs of Pontianak City, both partially and simultaneously. This study aims to analyze the effect of career development and self-esteem on ASN job satisfaction based on empirical conditions during the period 2022–2024. The research method uses a quantitative approach with multiple linear regression analysis involving 92 ASN respondents. Instrument testing was conducted through validity and reliability tests, as well as classical assumption tests including normality, linearity, and multicollinearity. The results show that career development has a positive and significant effect on job satisfaction, self-esteem has a positive and significant effect on job satisfaction, and both variables simultaneously have a significant effect with a coefficient of determination of 74.8%. This study indicates that ASN job satisfaction is formed through the interaction of organizational structural factors and individual psychological factors, which has implications for career management and strengthening employees’ psychological conditions in the public bureaucratic environment.
The Effect of Job Involvement and Career Development on Work Motivation of Civil Servants at the Department of Public Housing, Settlement Areas, and Environment of Ketapang Regency Siti Citra Lestari; Eru Ahmadia
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 Job Involvement and Career Development on the Work Motivation of Civil Servants at the Department of Public Housing, Settlement Areas, and Environment of Ketapang Regency. The study employed a quantitative approach with an associative method. The population consisted of all Civil Servants at the Department of Public Housing, Settlement Areas, and Environment of Ketapang Regency in 2025, totaling 69 employees. A census sampling technique was applied, in which the entire population was used as the research sample. Data analysis included validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that all research instrument items are valid and reliable. The regression model produced the equation Y = 1.517 + 0.339X1 + 0.290X2. The correlation coefficient value is 0.519, indicating a moderate relationship between Job Involvement and Career Development and Work Motivation. The coefficient of determination is 26.9%, meaning that Work Motivation can be explained by Job Involvement and Career Development, while the remaining 73.1% is influenced by other variables not included in this study. The simultaneous test results show that Job Involvement and Career Development jointly have a significant effect on Work Motivation. The partial test results demonstrate that Job Involvement has a significant effect on Work Motivation and that Career Development also has a significant effect on Work Motivation among Civil Servants at the Department of Public Housing, Settlement Areas, and Environment of Ketapang Regency.
The Effect of Price Earning Ratio, Debt to Equity Ratio, Dividend Payout Ratio on the Value of the Company the Financial Sector Banking Sub-Sector Listed on the IDX Gustindy Reza Akbar; Fuad Ramdhan Ryanto
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.v9i1.9860

Abstract

This study aims to examine the effect of price earning ratio, debt to equity ratio, and dividend payout ratio on the value of the company in the financial sector banking Sub sector listed on the Indonesia Stock Exchange. Using saturated sampling, a total of 38 financial sector companies were obtained. This study uses a quantitative approach with analytical techniques used are classical assumption test, multiple linear regression analysis, multiple correlation coefficient analysis (R), coefficient of determination analysis (R2), F test and t test. The results showed that the price earning ratio and debt to equity ratio had a positive but insignificant effect on the value of the company, while the dividend payout ratio had a positive and significant effect on the value of the company. These findings suggest that the presence of dividend payout ratio plays an important role in increasing the value of the company.
Learning From Crisis: Post-Crisis Evaluation and Organizational Resilience Angia Sulaeman
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.v9i1.9875

Abstract

In an organization, failure is an inevitable occurrence. Organizational responses reflect a form of learning that is expected to improve organizational quality in the post-crisis period. Organizations are required to integrate crisis communication at both managerial and operational levels in order to create synergy and develop effective strategies for dealing with future crises and recovery the image that caused by the previous crisis. Therefore, post-crisis evaluation is essential as a learning process for anticipating and managing future crises and should be carried out at all levels of the organization. Based on a literature review on post-crisis evaluation and organizational resilience, effective post-crisis management requires the development of multi-level resilience, transparency and integration of crisis communication, leadership integration, knowledge management, organizational learning, and post-crisis handling aimed at rebuilding trust and organizational reputation. By establishing a comprehensive crisis evaluation process, organizations are expected to restore public legitimacy and trust.

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