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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 2,520 Documents
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Pengaruh Citra Merek dan Persepsi Harga terhadap Keputusan Pembelian Sari Roti di Sidoarjo Anis Nur Laili; Siti Aminah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5544

Abstract

As the food and beverage industry in Indonesia develops, the competition in this industry is getting tighter and presents new challenges for companies operating in it. This study aims to determine the influence of brand image and price perception on the purchase decision of Sari Roti in Sidoarjo. The population used in this study is Sidoarjo residents who have bought Sari Roti products. The sampling technique uses accidental sampling with a total sample of 100 respondents. Data analysis uses the SEM method by utilizing PLS analysis tools. The results of the study show that brand image and price perception have a positive and significant effect on the purchase decision of Sari Roti in Sidoarjo.
Redesign Packaging of Tempe Products Using Kansei Engineering Method in MSME Jaya Makmur Lumajang Akbar Kurniawan Prasetyo; Akmal Suryadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.5552

Abstract

The development of this growing era has given rise to competition between business people, making business people have to improve their strategies. MSME Jaya Makmur is a business that operates in the Tempe trading sector. MSME Jaya Makmur produces soybean tempeh which has a total production of approximately 100 kg per day. Apart from being hampered by the lack of identity on the packaging, the owner of MSME Jaya Makmur realizes that the packaging is still very simple and requires development and innovation that focuses on consumer desires to be able to compete with competitors' products. Therefore, it is necessary to redesign packaging (re-design) to develop tempeh product sales. Packaging also plays a very important role in product marketing. Apart from being hampered by the lack of identity on the packaging, the owner of MSME Jaya Makmur realizes that the packaging is still very simple and requires development and innovation that focuses on consumer desires to be able to compete with competitors' products. Therefore, it is necessary to redesign packaging (re-design) to develop tempeh product sales. Packaging also plays a very important role in product marketing. Keywords: Packaging Redesign, Tempe Products, MSME Jaya Makmur Lumajang
Work Environment: Unveiling Job Satisfaction Through Work Stress Among Honorary Employees in Offices of Education Afiq, Muhammad Farid; Turnip, Kaiman; Lubis, Rahmi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5562

Abstract

Enhancing employee productivity is primarily dependent on job satisfaction. Multiple studies have investigated elements that contribute to employee job satisfaction, such as the work environment. Nevertheless, prior research findings have displayed a lack of consistency, leading to current debates within the academic community. Researchers hypothesize that additional elements may influence the correlation between the work environment and job satisfaction, thus necessitating further analysis. A correlational method was utilized to collect data from a sample of 149 honorary employees. The data were evaluated using structural equation modeling (SEM) with the assistance of SmartPLS 3.0. The findings indicated the following: (1) a strong and statistically significant correlation exists between the Work Environment and employee Job Satisfaction; (2) there is also a positive and significant correlation between Job Stress and employee Job Satisfaction; (3) a positive and significant correlation was observed between the Work Environment and employee Work Stress; (4) Work stress plays a mediating role in positively and significantly influencing the relationship between the work environment and the job satisfaction of honorary employees. This study enhances the existing body of knowledge by providing fresh empirical evidence on the correlation between work environment and job satisfaction, with job stress acting as a mediator.
Dynamics of the Scope of Rice Farming by Farmers' Groups in Increasing Productivity Faqih, Ahmad Nazar
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5564

Abstract

One of the important parts of Indonesia's agricultural industry and the country's ability to meet the nutritional needs of its people is the cultivation of lowland rice. However, the productivity of lowland rice farming often faces obstacles such as limited resources (both financial and technological) and unpredictable market conditions (both in terms of price and production costs). This study aims to analyze how farmer groups expand the area of ​​lowland rice cultivation to increase production. This study uses a qualitative approach by relying on secondary sources, collecting data through document reviews, and analyzing the data to produce findings or confirm them. Based on these findings, farmer income is greatly influenced by the combination of fixed costs and variable costs that form the cost structure of the farm. The use of high-quality seeds, consistent control, and careful control of fertilizers and pesticides are components of an effective production strategy. Ownership of storage facilities and the use of post-harvest machinery are post-harvest tactics. Money and good seed quality are the two most important variables in crop yields. Managing expenses efficiently and diversifying income through non-farm activities are equally important. In short, the secret to the success of lowland rice farming is effective management, appropriate cultivation and post-harvest techniques, and maximum utilization of available resources. If they want to use modern techniques, they need help and education.
Factors Affecting Student Online Loan Interest UPN Veteran East Java with Financial Inclusion as Moderator Johan Oktavian; Tri Kartika Pertiwi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5570

Abstract

The research begins with the observation that Generation Z tends to be consumptive and lacks finansial knowledge, so they are interested in finding alternative sources of funding such as online loans. There is a significant gap between finansial inclusion in Indonesia and finansial literacy knowledge. This research uses partial least square analysis with SMART PLS 3.0 analysis tool on 392 UPN Veteran East Java students as research objects. The findings of this study indicate that finansial inclusion can act as a moderator between finansial literacy and consumptive behavior on online loan interest. Conversely, finansial literacy has a significant and positive effect on online lending interest, while consumptive behavior has a significant and positive effect on online lending interest. Finansial inclusion cannot act as a moderator between finansial literacy and consumptive behavior on online loan interest.
Evaluating the Implementation of Musyarakah Mutanaqisah in Enhancing Mortgage Financing Practices at Islamic Financial Institutions Azizah, Fika Nurul; Subali, Subali
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5574

Abstract

This study examines the evaluating effectiveness of musyarakah mutanaqishah financing at BPR Syariah Harta Insan Karimah, East Jakarta Branch, aimed at supporting asset ownership for community members in need. Despite its potential benefits, the process faces challenges due to payment delays from some customers. This research employs a participatory observation approach, utilizing qualitative descriptive methods with data collected through interviews and documentation. Findings indicate that BPR Syariah Harta Insan Karimah applies a profit-sharing scheme tailored for housing ownership, aligning with standard practices in Islamic banking. However, the bank enforces stringent credit evaluations, including a comprehensive review of customer credit history, to mitigate default risk. Customers with substantial arrears from other banks are ineligible for musyarakah mutanaqishah financing, reflecting the institution's commitment to prudent financing management. This study contributes to a better understanding of the operational standards and risk management strategies within sharia-based financial institutions.
Key Factors Impacting Profitability in Indonesian Commercial Banks: Financial Ratio, Macroeconomic, and Ownership Structure Amalia Mega Berliana; Grecia Alvionita Simanjorang; Villia Nikmatul Khasanah; Henny Setyo Lestari; Farah Margaretha
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5576

Abstract

Profitability is essential for assessing company performance and attracting investors. This study aims to examine the effect of non-interest income, size, loan loss provision, capital adequacy ratio, overheads, non-performing loans, inflation, interest rate, and foreign ownership on the profitability of commercial banks in Indonesia. Using a quantitative approach, secondary data from the Indonesia Stock Exchange, Central Bureau of Statistics, Bank Indonesia, and company websites were analyzed over seven years (2017-2023) from 32 commercial banks, resulting in 224 financial statement data points. Panel data regression analysis with Eviews 12 was employed. The results indicate that non-interest income, size, inflation, interest rate, and foreign ownership do not significantly affect profitability. However, loan loss provision, capital adequacy ratio, overheads, and non-performing loans significantly impact profitability. These findings highlight the importance of managing problematic loans, maintaining a robust capital adequacy ratio, and improving operational efficiency to enhance profitability. The study suggests that company managers should also consider other factors such as financing decisions, asset utilization, tangibility, sales growth, and age to maximize profitability. Future research should explore different sectors and extend the study period to identify additional factors influencing corporate profitability, thereby providing deeper insights for strategic decision-making to improve financial performance.
Implementation of a Talent Management Program to Support the Economic Independence of the Visually Impaired Disabilities at Urunan Kebaikan Foundation Reginald, Azel Raoul; Supardi, Supardi; Sriyono, Sriyono
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5583

Abstract

The increasing number of visually impaired individuals facing economic challenges has prompted various organizations to seek effective solutions. This study explores the implementation of a talent management program at the Urunan Kebaikan Foundation to support the economic independence of visually impaired individuals. The problem formulation addresses the challenges faced by visually impaired individuals in achieving economic self-sufficiency and how a structured talent management program can mitigate these challenges. The research aims to assess the effectiveness of this program in enhancing the economic capabilities of the participants. A qualitative method with a case study approach was used to gather in-depth data from program participants, administrators, and related stakeholders. The research findings indicate that the talent management program has significantly improved the economic skills and opportunities for visually impaired individuals, leading to increased independence and better quality of life. The study concludes that a well-implemented talent management program can be a pivotal factor in empowering visually impaired individuals economically.
The Effect of Work Motivation and Work Discipline on the Performance of Employees of the Operational Division at PT Sucofindo Kalibutuh Surabaya Moch Ridho Illahi; Mei Retno Adiwaty
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5587

Abstract

This study aims to analyze two important aspects of employee performance in the operational division of PT Sucofindo Kalibutuh Surabaya branch, namely the influence of work motivation and work discipline on employee performance. The method used in this study is a quantitative method, with the SMARTPLS analysis tool, which allows the researcher to evaluate the relationship between the variables studied comprehensively. The population of this study consists of 75 employees, and the entire population is also used as a research sample through the saturated sampling method. The findings of this study reveal that work motivation and discipline significantly influence employee performance, suggesting that improvements in both factors can positively impact productivity and work effectiveness in the company. This result reinforces the importance of motivation and discipline for operational success at PT Sucofindo Kalibutuh Surabaya Branch.
The Mediating Role of Work Motivation on the Influence of Performance Rewards on Soldier Performance at Work Unit XYZ Achmad Surya Manggara; Wiyarni Wiyarni
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.5588

Abstract

One of the major institutions or organizations in Indonesia is the Indonesian National Army (TNI). The TNI itself consists of three forces, namely the TNI of the Armed Forces, the Navy and the Air. In the conditions of carrying out his duties or responsibilities for a TNI, he must have a good performance is the result of optimum work in accordance with organizational standards and support the achievement of the goals of the organization. The purpose of the research is to analyse the impact of performance benefits on performance through the mediation of work motivation. The research method used is a type of survey method with a quantitative approach. With the SEM-PLS analysis tool which includes a sample of 51 respondents in the XYZ TNI AU Labour Unit. The research results show that performance benefits do not have a significant effect on employee performance, but performance benefits have a positive and significant impact on employment motivation. The study also found that work motivation has a positive impact as well as significant on performance. Furthermore, the motivation of work as a mediator shows the positive and significant impact of performance benefits on employees performance. The implications of the research show that the performance benefits are positive and not significantly influenced by soldiers performance. However, with the job motivation as the mediator is able to make performance benefits influence career performance, it is recommended that the TNI XYZ AU Labor Unit continue and improve the development of employee benefits system.

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