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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
Majapahit Journal of Islamic Finance dan Management
Published by Universitas KH. Abdul Chalim
ISSN : -     EISSN : 27980170     DOI : https://doi.org/10.31538/mjifm
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Majapahit Journal of Islamic Finance and Management (MJIFM) (E-ISSN 2798-0170) is a journal published by Universitas KH. Abdul Chalim Mojokerto Indonesia four times a year (March, June, September and December). As the name implies, the journal brings two major themes, namely Islamic Finance and Business Management. The journal invites scholars, practitioners, and researchers to submit articles to the management team. Articles submitted will be published after being verified and modified to suit the standard international journals. MJIFM limits only the article publication related to two major themes having been mentioned.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 378 Documents
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Analysis of the Effect of Green Advertising and Green Innovation on the Purchase Intention of Environmentally Friendly Products Mediated by Knowledge of Environmentally Friendly Products Nurcahya, Wilma Arum; Susila, Ihwan
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.528

Abstract

This study aims to analyze the use of green advertising and green innovation by companies to increase consumers' knowledge of green products, which will then influence consumers' green purchase intentions, in the context of environmentally friendly beauty products. In this study, data collection was conducted through an online survey using a questionnaire distributed to respondents containing questions about the variables involved. The sampling technique used was purposive sampling, which is a non-probability sampling technique. The respondents selected were consumers who use or are familiar with environmentally friendly beauty products. A total of 150 respondents were obtained in this study. Data was analyzed using PLS-SEM to validate the research construct model using the SmartPLS analysis software tool. The results of this study indicate that green advertising and green innovation have a positive and significant effect on green product knowledge and green purchase intention. Green product knowledge has a positive and significant effect on green purchase intention. Green advertising does not have a positive effect on green purchase intention.
The Influence of Influencer Credibility and Online Customer Reviews on Purchasing Decisions for Muslim Fashion Products from the Heylocal Brand with Brand Trust as a Mediator Mahardika, Salwa Bunga; Sholahuddin, Muhammad
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.531

Abstract

This study aims to examine the influence of influencer credibility and online customer reviews on the purchase decision of Heylocal Muslim fashion products, with brand trust as a mediating variable. Employing a quantitative approach, data were collected through a closed-ended questionnaire based on a five-point Likert scale, distributed to consumers who had previously purchased Heylocal products and were exposed to influencer campaigns and online reviews. A purposive sampling technique was applied to select relevant respondents, and the data were analyzed using Partial Least Squares (PLS) via SmartPLS software. The results show that influencer credibility significantly affects brand trust but does not directly influence purchase decisions. In contrast, online customer reviews positively influence both brand trust and purchase decisions. Moreover, brand trust mediates the relationship between both influencer credibility and online reviews with purchase decisions. While the quantitative approach offers statistical robustness, future research may benefit from incorporating qualitative insightssuch as in-depth interviews to capture the nuanced motivations behind consumer trust and decision-making. These findings emphasize the strategic value of integrating credible influencers and customer reviews in digital marketing to foster brand trust and stimulate consumer purchases.
The Role of Islamic Bank Capital Structure and Performance in Promoting Price Stability in Indonesia Agustina, Maulidar; Majid, M. Shabri Abd.; Zulkifli, Zulkifli; Pranata, Eka Octavian
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.524

Abstract

This study examines the impact of capital structure and financial performance of Islamic banks on price stability in Indonesia using an Autoregressive Distributed Lag (ARDL) model with quarterly data from 2014 to 2024. Key variables include the Capital Adequacy Ratio, Total Regulatory Capital, Tier 1 Capital, Risk-Weighted Assets, Net Income, and the Consumer Price Index. Long-term findings reveal that robust capital indicators enhance price stability by strengthening banks' resilience and credit capacity. In contrast, Net Income mitigates inflationary pressure in the long run but intensifies it in the short term. The error correction term confirms rapid adjustment toward equilibrium after short-term shocks. These results underscore the critical role of sound capital and profitability in reinforcing Islamic banks’ contribution to Indonesia’s monetary policy, offering valuable insights for policymakers and regulators in promoting macroeconomic stability.
Effectiveness of Implementation of the One-Door Integrated Service (PTSP) Policy in Improving the Quality of Public Services in Nabire Regency Fahlevvi, Mohammad Rezza; Tebai, Norlince G
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the effect of the implementation of the One-Stop Integrated Service (PTSP) policy on the quality of public services in Nabire Regency. The background of this study is based on the importance of improving the quality of public services as part of bureaucratic reform, where the PTSP policy is expected to simplify the service process and increase public satisfaction. The method used is a quantitative method with a simple linear regression approach. Data were collected through a questionnaire from 200 respondents who had received services through PTSP. The results of the t-test showed that the implementation of the PTSP policy had a significant effect on the quality of public services with a t-value of 8.083 and a significance of 0.000 (p <0.05). The regression coefficient of 0.594 indicates that every increase in the implementation of the PTSP policy is followed by an increase in the quality of public services. Meanwhile, the R Square value of 0.248 indicates that 24.8% of the variation in the quality of public services can be explained by the implementation of the PTSP policy. This study concludes that the implementation of the PTSP policy effectively contributes to improving the quality of public services in Nabire Regency. Regional governments are advised to continue optimizing the implementation of this policy to support faster, more transparent, and more responsive services to community needs.
Government Strategy in Developing Sustainable Tourism in Palippis Beach, Bala Village Polewali Mandar Regency Izzah, Nurul; Nawawi, Juanda; Rusli, AM
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.404

Abstract

This research is motivated by the importance of sustainable tourism development strategies that are not only oriented towards increasing tourist visits, but also on environmental conservation and community involvement. The purpose of this study is to analyze the government's strategy in developing sustainable tourism at Palippis Beach, Bala Village, Polewali Mandar Regency, and to map the actors involved. This study uses a descriptive qualitative approach with data collection techniques such as observation, interviews, and documentation studies. Data analysis refers to Geoff Mulgan's five strategies: goal setting, environmental analysis, direction, action, and learning. The results show that the government's strategy includes guidance, development of facilities and infrastructure, promotion, and community involvement through the Tourism Group (Pokdarwis). Government actions are adjusted to the field situation, including security obstacles, and are carried out through a communicative approach. The study's conclusions demonstrate the importance of collaboration between the government and local communities in supporting tourism sustainability. The novelty of this study lies in the integration of development strategies with a non-interventionist approach and actor mapping that emphasizes the strategic role of local communities as primary managers. These findings contribute to the formulation of community-based sustainable tourism policies.
Digital Marketing Strengthening CV. Kajeye Food Using Design Thinking Method Nabila, Sinthok; Maheswari, Ardiella Sukma; Syindunata, Karina; Andini, Adelia Rahma; Ningsih, Yesi Mustika
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.456

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important and strategic role in the Indonesian economy and in employment absorption. One of the MSMEs located in Malang City, CV. Kajeye Food, operates in the souvenir and snack sector. CV. Kajeye Food is currently developing its digital marketing efforts. This study aims to design an appropriate digital marketing platform to increase sales. The design platform uses qualitative methods with the design thinking approach, consisting of five stages: empathizing, defining, ideating, prototyping, and testing. Benchmarking is also used as a supporting method in this study. As a result, several digital platforms were designed, including Instagram, TikTok, TikTok Shop, WhatsApp (specifically for sales), and Shopee. By utilizing these digital marketing platforms, CV. Kajeye Food is able to reach a wider range of consumers and increase its sales.
The Influence of Artificial Intelligence on Brand Preference of Syariah Banking Customers in Bandung Raya Safitri, Feni Malinda; Suhartanto, Dwi; Setiawan, Setiawan
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.466

Abstract

The rapid advancement of Artificial Intelligence (AI) technology has brought significant transformations across various industries and reshaped how consumers interact. This study highlights the role of AI-based chatbots and analytics in shaping marketing strategies and customer service. Chatbots enable round-the-clock service, support multiple languages, and reduce operational costs. Meanwhile, AI-driven marketing facilitates a more personalized approach by leveraging data to predict consumer needs, accelerate decision-making, and influence purchasing behavior, despite the inherent risk of bias. Grounded in the Stimulus-Organism-Response (S-O-R) model, this research focuses on the influence of AI on brand preference in the context of Islamic banking in Indonesia. The study aims to support Islamic banks in designing AI-driven marketing activities and formulating more effective branding and marketing strategies. A survey was conducted with over 400 respondents. The findings reveal that consumers appreciate the speed and personalization offered by AI-powered services; however, they remain aware of AI’s limitations in emotional understanding. This indicates that while AI enhances engagement, further development is needed to create more emotionally intuitive AI-driven experiences.
Identity, Lifestyle, and Halal Consumption: A Study on Muslimah Socialites in Pontianak City Sari, Intan Purnama; Atmaja, Dwi Surya; Luqman, Luqman
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.474

Abstract

This study explores how Muslimah socialites in Pontianak City construct their identity and lifestyle through halal consumption practices. Utilizing a qualitative descriptive method with symbolic consumption theory and the Theory of Planned Behavior (TPB), this research investigates how personal religiosity, community influence, and aesthetic preferences shape consumer behavior in fashion and cosmetics. Data were collected through in-depth interviews with five informants, participatory observation, and documentation. The findings show that halal consumption is not merely a religious obligation but functions as a form of identity performance and symbolic status assertion. Muslimah socialites integrate modest fashion and halal beauty products to project an image of being pious yet modern, supported by their social environment and digital platforms. This study contributes to understanding the performative nature of halal consumption in urban Muslim women's everyday lives and offers insights for policymakers and halal product developers targeting the Muslim lifestyle segment.
Analysis of the Application of Materiality by KAP X to the Vouching Procedure for Revenue and Operating Expense Transactions of PT Z Hutami, Anugrah Fani Siwi; Sumiadji, Sumiadji; Asdani, Andi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.481

Abstract

This study aims to comprehensively examine the application of the concept of materiality and the vouching procedure in the financial statement audit process at PT Z by Public Accounting Firm (KAP) X. This study uses a qualitative approach with a case study method, in which data is collected through in-depth interviews, documentation, and review of relevant audit working papers. The results show that KAP X sets materiality thresholds based on a quantitative approach, taking into account key financial indicators such as total assets and income, as well as qualitative factors that could potentially influence the decision-making of financial statement users. Vouching procedures are carried out in a structured manner on accounts that are considered material and high risk in order to obtain reliable audit evidence. These findings indicate that the synergy between the application of proportional materiality and targeted vouching can improve the effectiveness of audit procedures and the quality of testing the fairness of financial statements as a whole.
The Effect of Digital Literacy and the Spirit of Independence on Entrepreneurial Motivation Among Students Hafidah, Andi; Idrus , Imriani; Safrillah, Nur Fadhilah; Lutfi, Lutfi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.490

Abstract

In the digital era, digital literacy is a very important skill for students, especially in supporting entrepreneurial activities. The spirit of independence is also important which encourages students to take risks and start their own business. This study explores how digital literacy skills and a self-reliant mindset affect students drive to become entrepreneurs.  This quantitative study uses a survey and multiple regression analysis to examine how two independent variables influence the dependent variable. The results of the study based on multiple regression analysis table significance value of digital literacy (X1) of 0.026 <0.05 and the significance value of the spirit of independence (X2) of 0.037 <0.05. The conclusion that digital literacy and the spirit of independence significantly affect student entrepreneurship motivation. The implications of the study indicate the importance of developing digital literacy and the spirit of independence in educational programs to increase entrepreneurial motivation.

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