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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 2,738 Documents
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The Effect of E-Service Quality and E-Trust on E-Loyalty of BNI Mobile Banking Users with E-Customer Satisfaction as an Intervening Variable Ni Putu Eka Wulandari Wulandari; Gusti Ngurah Joko Adinegara; Yeyen Komalasari; Christimulia Purnama Trimurti
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.v9i1.8640

Abstract

The rapid development of digital banking services, particularly mobile banking, has become a crucial factor influencing customer satisfaction and loyalty. This study aims to analyze the effect of E-Service Quality and E-Trust on E-Loyalty of BNI Mobile Banking users, with E-Customer Satisfaction as the intervening variable. The research seeks to determine the extent to which service quality and user trust can enhance customer satisfaction and loyalty in using mobile banking services. The data used in this study are primary data obtained through questionnaires distributed to 97 respondents who are BNI Mobile Banking users in Denpasar City. The research applies a quantitative approach using Partial Least Square (PLS) analysis to examine both direct and indirect relationships among variables. The findings indicate that E-Service Quality has a significant positive effect on both E-Customer Satisfaction and E-Loyalty. Similarly, E-Trust significantly and positively influences E-Customer Satisfaction and E-Loyalty. Furthermore, E-Customer Satisfaction is proven to play an intervening role that strengthens the relationship between E-Service Quality and E-Trust with E-Loyalty. These results suggest that higher digital service quality and greater user trust lead to increased satisfaction, which ultimately fosters stronger loyalty among BNI Mobile Banking users. Based on these findings, it is recommended that banks continuously improve their digital service quality and build stronger customer trust to maintain satisfaction and sustain loyalty amidst the increasingly competitive digital banking industry.
Influencers’ Credibility Dimensions: Attractiveness, Trustworthiness, and Expertise on the Purchase Intention in the Skincare Industry Ananda, Putu Kirana Maharani Wika; Darma, Gede Sri
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.v9i1.8760

Abstract

The rapid growth of influencer marketing in the skincare e-commerce sector, particularly among Generation Z consumers in Bali, necessitates an investigation into the influence of influencers’ credibility dimensions, attractiveness, trustworthiness, and expertise, on purchase intention. This study aims to examine how these credibility factors, mediated by online customer engagement, affect purchase intention in Bali's e-commerce market. A quantitative approach was employed, utilizing a self-administered online questionnaire distributed to 170 respondents from Generation Z in Bali. Structural Equation Modeling (SEM) was applied to analyze the relationships between influencer credibility, engagement, and purchase intention. The findings reveal that attractiveness, trustworthiness, and expertise significantly influence purchase intention, with online engagement acting as a mediator. However, no significant moderating effects of engagement on the credibility-purchase intention link were found. These results underscore the importance of influencer engagement in enhancing the effectiveness of marketing strategies targeting Gen Z consumers. The study contributes to existing literature by extending theoretical models of influencer marketing and provides valuable insights for brands looking to optimize influencer partnerships in the skincare industry. These findings suggest that brands should focus on fostering strong online engagement with their audience to improve conversion rates and strengthen consumer trust.
The Effect of Innovation and Foreign Ownership on ESG Disclosure Noraida Hafni; Makaryanawati Makaryanawati; Endang Sri Andayani
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 effect of innovation and foreign ownership on ESG (Environmental, Social, and Governance) disclosure in companies indexed in the ESG Sector Leaders. This study uses secondary data sourced from company annual reports and sustainability reports for the period 2022-2024. Data processing uses panel data regression methods with EViews 13 software. Data collection was conducted using content analysis techniques. ESG disclosure refers to the 2021 GRI (Global Reporting Initiative) standard guidelines. This study produced a data sample of 99 observations for the 2022-2024 period. The novelty of this study involves control variables that are indicated to have an influence on ESG disclosure outside the selected independent variables. These control variables serve as proxies to capture company heterogeneity that may affect ESG disclosure. The findings reveal that innovation and foreign ownership do not have a proven effect on ESG disclosure in companies indexed as ESG Sector Leaders. The control variable of company age has an effect on ESG disclosure, while the control variables of company size and leverage do not affect ESG disclosure.
The Influence of Environmental, Social, and Governance (ESG) Principles on the Performance of Green Sukuk and Shariah Stocks in Indonesia’s Islamic Financial Market Ilham Febryan
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.v9i1.9041

Abstract

The development of sustainable investment is a global phenomenon that has attracted significant attention, including in Indonesia, where there has been an integration of Environmental, Social, and Governance (ESG) principles into sharia financial market. The present study aims to analyse the effects of Environmental, Social and Governance (ESG) factors on the performance of Islamic stocks listed on the Jakarta Islamic Index (JII), and its contribution to Green Sukuk instruments as a sustainable financing innovation. The research method employed a mixed method approach, incorporating both quantitative and qualitative elements. Quantitative analysis was performed using simple linear regression with ESG Risk Rating data of JII member companies and stock returns. A qualitative analysis, meanwhile, was conducted through a meticulous review of official documents, including the Ministry of Finance's Green Sukuk Allocation and Impact Report, as well as publications by the OJK and IDX pertaining to ESG The findings of the study demonstrated that the ESG Risk Rating had a negative but not statistically significant effect on the returns of JII sharia stocks. It is evident that the potential return on sharia stocks was positively correlated with the ESG risk. Moreover, Indonesian Green Sukuk has a consistent history of experiencing oversubscription, yielding competitive returns, and allocating funds towards sustainable projects in the transportation, renewable energy, and climate resilience sectors. The findings of this study demonstrate that the implementation of ESG can enhance the appeal of sharia-compliant stocks and strengthen the credibility of Green Sukuk within the global market.
The Effect of Profitability and Solvency on Firm Value With Liquidity as a Moderating Variable in the Mining Sector Listed on the Indonesia Stock Exchange Faya Pratama Kuncoro Putra; Ira Wikartika
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9075

Abstract

This paper investigates how profitability and solvency influence firm value, considering liquidity as a moderating variable within mining firms registered on the Indonesia Stock Exchange between 2022 and 2024. The dependent variable applied is firm value, quantified through the Price to Book Value (PBV). The independent components feature profitability, illustrated by Return on Assets (ROA), and solvency, illustrated by the Debt to Equity Ratio (DER), while liquidity acts as a moderating component measured using the Current Ratio (CR). The study utilizes a quantitative method alongside a purposive sampling technique, leading to a total population of 63 firms, with the final sample selected based on defined criteria. The study utilized multiple linear regression and Moderated Regression Analysis (MRA) facilitated by SPSS software. The findings suggest that profitability significantly enhances firm value, in contrast to solvency, which negatively affects firm value significantly. Moreover, liquidity is observed to moderate the scenario among solvency and firm value, yet lacks moderation the association among profitability and firm value.
The Dangerous Allure of Trends: The Influence of Fear of Missing Out on Brand Passion and Its Effect on Compulsive Buying of Fashion Products in Indonesia Ezra Aulia Najwa Dewi; 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.v9i1.9130

Abstract

This study employs a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) with data collected from 305 respondents. The purpose of the research is to examine the influence of fear of missing out (FoMO) on harmonious brand passion and obsessive brand passion, as well as its impact on compulsive purchasing behaviors, including impulsive buying and obsessive-compulsive buying in the context of fashion consumption in Indonesia. The results show that FoMO has a positive and significant effect on both forms of brand passion. Additionally, both harmonious brand passion and obsessive brand passion positively and significantly influence impulsive buying. These two types of brand passion also contribute to higher levels of obsessive-compulsive buying. The findings highlight that FoMO and brand passion play substantial roles in shaping unplanned and repetitive purchasing behaviors among fashion consumers, underscoring the importance for marketers to understand these psychological dynamics when developing marketing strategies.
The Effect of E-Wallet Application Use on Financial Management Efficiency in Small and Medium Enterprises (SMEs) in Umbulharjo District Hironimus Ririn
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 the use of E-Wallet applications on the efficiency of financial management in Small and Medium Enterprises (SMEs) in Umbulharjo District. Efficiency in financial management is defined as an effort to optimize the use of financial resources to minimize waste, accelerate decision-making, and increase the competitiveness of SMEs in the market. The increasing adoption of digital payment systems has changed the way businesses manage their finances, with E-Wallet applications becoming a popular choice among SMEs. The research method used is quantitative with a survey approach, with research subjects being owners or managers of SMEs who actively use E-Wallet applications as a financial transaction tool. The sample was taken by purposive sampling of 100 respondents. The results of this study emphasize the importance of utilizing digital financial technology, especially E-Wallet, in supporting the efficiency of SME financial management in the digital era. The results show that the use of E-Wallet applications has a very significant effect on the efficiency of SME financial management partially. This is indicated by a value of 26.609 which is much greater than t (table) 1.984 and a significance value of <0.001 <0.05. The correlation coefficient (R) of 0.937 indicates a very strong relationship between e-wallet use and financial management efficiency. The coefficient of determination (R Square) of 0.878 indicates that 87.8% of the variation in financial management efficiency can be explained by e-wallet use, while the remaining 12.2% is influenced by other factors.
The Role of Financial Inclusion and Digital Financial Literacy in Mediating the Influence of Financial Technology Use on Stock Investment Decisions Baiq Nana Dwi Herdiana; Maretha Ika Prajawati
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.v9i1.9156

Abstract

This study aims to analyze the influence of Financial Technology (FinTech) usage on stock investment decisions among Generation Z users of the Stockbit application in Malang City, with financial inclusion and digital financial literacy as mediating variables. Using a quantitative approach and purposive sampling, 102 respondents were surveyed through an online questionnaire. The data were analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) technique with SmartPLS 3.0 software. This finding shows that FinTech usage has a positive but insignificant direct effect on stock investment decisions. However, FinTech significantly enhances financial inclusion and digital financial literacy, both of which positively influence investment decisions. These mediating variables strengthen the indirect relationship between FinTech usage and stock investment decisions. This study highlights the importance of digital financial literacy and inclusive access to formal financial services in optimizing fintech’s role in shaping rational investment behavior. Keywords: Financial Technology, Financial Inclusion, Digital Financial Literacy, Stock Investment Decision
The Effect of Financial Risk and Capital Structure on the Financial Performance of Banks on the Indonesian Stock Exchange Fathin Hairiyah; Muhammad Nabil Kayana; Farah Margaretha Leon
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 impact of capital structure and financial risk on the financial performance of banks listed on the Indonesia Stock Exchange is examined in this study. The primary question posed is how profitability as determined by return on assets is impacted by liquidity risk, credit risk, operational risk, leverage, and net interest margin. In order to give a thorough grasp of the elements influencing bank performance, this study aims to investigate the relationships between these variables. Banks' yearly financial reports for the 2020–2024 period are subjected to panel data regression analysis as part of the quantitative research methodology. The addition of net interest margin as a variable that mediates the association between financial risk and profitability is what makes this study novel. It is anticipated that the study's findings will demonstrate how effective capital structure management and financial risk reduction can boost bank profitability. The significance of an integrated risk management strategy is emphasized in the study's conclusion. The implications of the study provide practical recommendations for financial managers, investors, and regulators, and open up space for further research on external factors that affect banking performance.
Identification of Road Damage Using the Bina Marga Method Rendi Nurhakim; Nadhya Susilo Nugroho; Cece Suhendi; Dio Damas Permadi; Utamy Sukmayu Saputri
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

Roads are land transportation infrastructure comprising all components of the roadway, including complementary structures and facilities intended for traffic. The Cianjur–Sukabumi Connector Road is classified as a primary collector road that serves as an access route for road users traveling from Cianjur Regency to Sukabumi Regency/City. Observations were conducted along the Cianjur–Sukabumi connector road at KM 83+850 – 84+850 (1,000 m). These observations focused on identifying road damage and were carried out using a quantitative approach with calculations based on the Bina Marga method. Based on field observations, several types of pavement distress were found along the Cianjur–Sukabumi connector road, including ravelling, patches, longitudinal cracks, potholes, edge cracking, and longitudinal ruts or rutting. The average traffic volume (LHR) recorded was 6,933.4 pcu/day, placing the road in traffic class 6, with a calculated road condition value of 1.2. The analysis using the Bina Marga method produced a Priority Order (UP) value of 9.8, indicating that the segment falls under routine and preventive maintenance programs. Routine maintenance includes surface layer treatment and pavement repairs that do not aim to increase structural strength, and such activities are implemented throughout the year.

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