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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 3,039 Documents
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ANALYSIS OF SHARIA MARKETING STRATEGY UMRAH TRAVEL SERVICES AL ANSHOR PACITAN FROM THE PERSPECTIVE OF MAQASHID SHARIA Hidayatul Musrifah; Duwi Habsari Mutamimah; Asis Sustiawan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10120

Abstract

This study aims to examine the sharia-based marketing strategy of PT Al Anshor Pacitan’s Umrah travel services from the perspective of Maqashid Shari’ah. The study is grounded in the rapid growth of the Umrah industry and the increasingly intense competition among travel agencies, while sharia principles have not yet been fully embedded in marketing practices. Marketing activities that are insufficiently transparent and potentially manipulative may conflict with the objectives of sharia in preserving pilgrims’ welfare. This research uses a qualitative approach with a case study method. Data were gathered through in-depth interviews with PT Al Anshor Pacitan staff, direct field observation, and documentation of supporting evidence. The analysis applies Imam Asy-Syatibi’s Maqashid Shari’ah framework, which covers the protection of religion (hifzh al-din), life (hifzh al-nafs), intellect (hifzh al-‘aql), lineage (hifzh al-nasl), and wealth (hifzh al-mal). The findings show that PT Al Anshor Pacitan’s marketing strategy ethically reflects sharia values, especially in service quality and worship assistance; however, these values have not been systematically integrated into promotional activities, the clarity of information on worship education and spiritual values, and the protection of pilgrims’ assets, particularly in sharia contracts.
The Effect of Product Quality, Price, and Promotion on iPhone Smartphone Purchase Decisions with Brand Image as a Moderating Variable (A Study of Generation Z STIESIA Surabaya in 2025) Yusup Prasetyo Wicaksono; Budiyanto Budiyanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10122

Abstract

This study examines the impact of product quality, price, and promotion on iPhone purchasing decisions among STIESIA Surabaya Z-generation students, with brand image serving as a moderating variable. Furthermore, the study employs a quantitative approach, specifically a survey. The data was collected using purposive sampling. In accordance with this, 134 respondents were chosen because they matched the criteria for validity or reliability as samples. Moreover, the data analysis technique used was Structural Equation Modelling Partial Least Squares (SEM-PLS). The evaluation results in the measurement model indicate that all constructs met the criteria. Meanwhile, structural model evaluation indicates that the model describes effectively. Additionally the hypothesis test found that price has a positive and significant impact on purchasing decisions. However, both product quality and promotion have insignificant effects. In addition, brand image increases the influence of product quality while decreasing the effect of price. Unfortunately, it does not considerably moderate the effect of promotion. The findings lead to the conclusion that Z-generations' purchasing decisions for premium products are driven more by perception of value and brand image than functional qualities and promotion.
THE EFFECT OF COMPENSATION AND LEADERSHIP BEHAVIOR ON EMPLOYEE PERFORMANCE WITH JOB SATISFACTION AS A MEDIATING VARIABLE (Employee Study of PT PLN (Persero) UID Central Java & Special Region of Yogyakarta) Flora Rosayanti Purba; Athoillah Athoillah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10123

Abstract

Human resources are essential for the success of an organization, especially in improving employee performance. However, employee performance is often influenced by several organizational factors such as compensation, leadership behavior, and job satisfaction. This study examines the influence of compensation and leadership behavior on employee performance with job satisfaction as a mediating variable. The research was conducted at PT PLN (Persero) UID Central Java and the Special Region of Yogyakarta. The method used in this study is a quantitative method with a sample of 116 employees. The sampling technique was selected through simple random sampling and analyzed using the Statistical Package for the Social Science version 29. These findings reveal that compensation and leadership behaviors significantly affect employee performance and job satisfaction. Job satisfaction also has a significant effect on employee performance and partly mediates the relationship between compensation and employee performance as well as between leadership behavior and employee performance. These results suggest that fair compensation and supportive leadership behaviors can improve job satisfaction, which further contributes to improved employee performance.
OVERCOMING DOOM SPENDING THROUGH FINANCIAL LITERACY: GENERATION Z’S PERSPERCTIVE IN ACHIEVING FINANCIAL WELL-BEING Ihsanul Windasari Windasari; Hendra Prastya Mere Sadhu
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10124

Abstract

The phenomenon of doom spending, characterized by uncontrolled consumptive behavior in response to stress and emotional pressure, is increasingly prevalent among Generation Z. This behavior is influenced by various internal and external factors, including emotional conditions, financial constraints, social pressures, and the pervasive impact of digital media, which further encourage impulsive consumption patterns. Low financial literacy also exacerbates the tendency toward doom spending, as individuals with limited knowledge of financial management are less capable of effectively controlling their expenditures. Therefore, this study aims to analyze how Generation Z perceives doom spending, the factors influencing it, and the role of financial literacy in fostering their financial well-being. This research employs a qualitative approach through in-depth interviews with university students and young professionals who have experienced or encountered doom spending. The findings reveal that this behavior is driven by psychological stress, social media influence, and a lack of awareness regarding the importance of proper financial management. Informants with higher financial literacy levels tend to distinguish between needs and wants more effectively and adopt more rational financial strategies to avoid excessive consumption. These findings highlight the importance of more practical and experience-based financial literacy education for Generation Z. By enhancing their understanding of financial management, individuals can develop healthier financial habits and achieve long-term financial well-being. This study recommends financial education interventions through academic curricula, training programs, and increased financial awareness via digital platforms.
SERVICE QUALITY AND STORE DESIGN IN RETAIL COMPETITIVENESS: (A CASE STUDY ON KOPI KENANGAN CIREBON CITY) Riki Radiyansyah; Adi Setiawan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10126

Abstract

The development of the coffee shop industry in Indonesia is experiencing very rapid growth, so that competition between brands is increasingly fierce and requires companies to have a competitive advantage. In the context of modern retail, customers not only consider product quality, but also service experience and convenience of store design. This study aims to analyze the effect of service quality and store design on retail competitiveness at Kopi Kenangan outlets in Cirebon City. This study uses an associative quantitative approach with a data collection method through a questionnaire to 100 respondents selected using purposive sampling, namely customers who make direct transactions at the outlet. Data analysis was carried out using covariance-based Structural Equation Modeling (SEM) with the help of AMOS software. The results show that service quality has a positive and significant effect on retail competitiveness with a p-value of 0.020. In addition, store design is also proven to have a positive and significant effect on retail competitiveness with a very high level of significance (p < 0.001) and is the most dominant variable. Simultaneously, service quality and store design are able to explain retail competitiveness by 55.3% (R² = 0.553). These findings prove that improving service quality and standardizing shop design are important strategies to strengthen Kopi Kenangan's position in facing competition in the coffee shop industry in Cirebon City.
Impact of Gold Prices, Exchange Rate, BI Rate, and Inflation on the Indonesia Stock Exchange Composite Index (2020–2025) Beryl Dani Athallah Zhahran; Jojok Dwiridotjahjono
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the effect of gold prices, exchange rate, BI Rate, and inflation on the Indonesia Composite Index (IHSG). The data used in this study are secondary data obtained from official publications of relevant institutions during the research period. The analytical method applied is multiple linear regression, preceded by classical assumption tests to ensure the validity and reliability of the regression model. The results indicate that partially, gold prices and inflation have a positive and significant effect on the IHSG, while the exchange rate has a significant effect on the IHSG. Meanwhile, the BI Rate does not have a significant effect on the IHSG. Simultaneously, gold prices, exchange rate, BI Rate, and inflation have a significant effect on the IHSG. These findings suggest that macroeconomic factors play an important role in influencing the movement of the capital market in Indonesia. This study is expected to provide additional insight for investors and academics in understanding the dynamics of the IHSG influenced by macroeconomic conditions.
Adoption of Islamic Gold Savings (Cicil Emas) at Bank Syariah Indonesia: A Behavioral Finance Perspective Nazwa Ananta Farliany; Ario Purdianto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze how perceptions of value, trust, and religiosity influence the decision to open an Islamic Gold Savings account at the Siliwangi Cirebon Branch of Bank Syariah Indonesia (BSI). The study employed a quantitative approach with an associative design and involved 160 respondents selected through purposive sampling. The research indicates that perceptions of values and trust significantly and positively influence the adoption of Islamic Gold Savings. Validity and reliability tests, classical assumption tests, and multiple linear regression with t- and F-tests were used to analyze the data using SPSS, while religiosity had a negative effect, indicating that highly religious customers tend to prefer the product. In general, economic principles, institutional beliefs, and religious factors influence the decision to adopt the product.
ANALYSIS OF THE EFFECT OF PERSONALITY ON TURNOVER INTENTION BASED ON EMOTIONAL DATA: A CASE STUDY OF JOB BURNOUT AND EMPLOYEE ENGAGEMENT AT PT. SEJAHTERA KURIR EXPRESS CIREBON Suci Fitaloka Putri; Kartono Kartono
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10138

Abstract

This study aims to analyze the effect of personality on turnover intention, with job burnout and employee engagement serving as mediating variables at PT Sejahtera Kurir Express Cirebon. The increasing rate of employee turnover since 2023 constitutes the primary background of this research. This study employs a quantitative explanatory approach with a sample of 151 respondents selected using purposive sampling techniques. Data were collected through an online questionnaire and analyzed using path analysis with SPSS 29. The results indicate that personality has a significant effect on both job burnout and employee engagement. Furthermore, job burnout, employee engagement, and personality significantly influence turnover intention. Interestingly, employee engagement shows a positive relationship with turnover intention, suggesting that highly engaged employees may seek better career opportunities when organizational support is insufficient. In addition, job burnout and employee engagement significantly act as mediating variables in the relationship between personality and turnover intention. These findings highlight the importance of managing employees’ psychological conditions and providing adequate organizational support to reduce employee turnover rates.
Work Engagement as a Moderator of Workload and Internal Mobility on Employee Performance Gandy Novanda Pratama; Nurhidayati Nurhidayati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10142

Abstract

This study examines how Workload and Internal Mobility shape Employee Performance, with Work Engagement as a moderating variable, among staff at the Tanjung Emas Customs and Excise Service Office, Indonesia. Despite staffing deficits from 2023 to 2025, the office’s Organizational Performance Score reached an “Exceptional” 117.04%, while Customs Clearance Time simultaneously deteriorated, an operational paradox motivating this inquiry. Grounded in Job Demands-Resources (JD-R) Theory, a quantitative cross-sectional design was employed. Data from 118 active employees, selected via purposive sampling, were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Full Collinearity Assessment confirmed that common method bias was not a serious threat, with all structural path VIF values between 1.011 and 1.167, well within the 3.30 threshold. All four hypotheses were supported. Workload exerted a significant negative effect on Employee Performance (β = −0.374, p < .001), while Internal Mobility produced a strong positive effect (β = 0.406, p < .001). Work Engagement significantly moderated both relationships, attenuating the negative impact of Workload and amplifying the positive impact of Internal Mobility. An independent-samples t-test further revealed that employees in split-location arrangements (n = 35, 29.7%) reported markedly lower engagement (M = 2.58 vs. 3.25; t = −5.21, p < .001; d = 1.05), a pattern attributed to what this study terms “geographic dislocation demand” , the cumulative psychological burden of sustaining a residential separation between one’s posting location and one’s family. Practical implications include workload automation, structured peer-support for rotated employees, and affirmative welfare policies for geographically displaced staff.
Comparative Analysis of Stock and Mutual Fund Allocation Among Generation Z Based on Behavioral Finance Factors (A Study of Generation Z in Surabaya) Reza Syahputra Sijabat; Nurhadi Nurhadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

The rapid surge of Generation Z participation in the Indonesian capital market has created a new investor landscape, yet this growth is often not aligned with adequate financial literacy, leading to potential irrationality in asset selection. This research aims to analyze and compare the allocation of stock and mutual fund portfolios among Generation Z investors, specifically examining the influence of financial literacy and various behavioral factors, including return expectations, risk tolerance, and herding tendencies. Using a quantitative comparative methodology, the study focused on the Inflow Community in Surabaya as a representative demographic. Data were gathered from 110 respondents through purposive sampling and analyzed using the Kruskal-Wallis non-parametric test, necessitated by the non-normal distribution of the dataset. The study concludes that there is a statistically significant difference in portfolio allocation between stocks and mutual funds, as evidenced by an asymptotic significance value of < 0.001. These differences are primarily driven by varying degrees of financial literacy and the prevalence of herding behavior among young investors. Based on these findings, it is recommended that financial regulators and educational institutions design more personalized financial literacy programs. Such programs should not only cover technical analysis but also address the psychological aspects of investing, such as emotional control and independent decision-making, to assist Generation Z in achieving more optimal and rational long-term wealth management.

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