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Mohamad Toha
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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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The Influence of Employee Competence, Work Ethic, and Work Discipline on Public Service Quality (Taxpayer Perception Study at the Semarang I UPPD Samsat Office) Ar Rahman, Muhammad Irfan; Bagana, Batara Daniel
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.v5i3.527

Abstract

Public service delivery reflects the performance of the bureaucracy, which in turn influences public trust in the government. However, it is still perceived as suboptimal. This study focuses on evaluating the influence of three key aspects namely, human resource competence, ethical principles in the workplace, and employee discipline, on the quality of public services within the UPPD Samsat Semarang 1 office. A quantitative approach was employed using a survey method, with purposive sampling applied to select 100 taxpayers as respondents. The collected data were analyzed using multiple linear regression techniques. The results indicate that all independent variables exhibit a significant and positive correlation with public service quality. Among these, employee discipline emerged as the most influential factor in enhancing service quality. These findings align with Weber’s theory of bureaucracy and underscore the critical importance of effective human resource management in the public sector. This study contributes to the ongoing efforts to improve public service delivery by emphasizing professionalism, efficiency, and humanistic values in the administration of motor vehicle tax services. It also serves as a reference for future policy development aimed at enhancing the quality of public services.
The Effect of Cheese Banana Chips Product Packaging and Price on Consumer Buying Interest (Case Study of Flamboyan MSMs in Gorontalo City) Ento, Aprilia A.; Wolok , Tineke; Abdussamad, Zulfia K.
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.v5i3.532

Abstract

This study aims to examine the influence of cheese banana chip product packaging and price on consumer purchase intention at UMKM (MSME) Flamboyan in Gorontalo City. The sampling technique used was non-probability sampling with a total of 96 respondents. The study employed a quantitative approach, with data collected through questionnaires distributed to consumers at UMKM Flamboyan. The data were analyzed using multiple linear regression analysis. The findings indicate that, partially, product packaging has a positive and significant influence on consumer purchase intention, as shown by a t-count of 7.739 > t-table of 1.985 and a significance level of 0.000 0.05. Price also has a positive and significant influence on consumer purchase intention, with a t-count of 2.464 > t-table of 1.985 and a significance level of 0.016 0.05. Simultaneously, both product packaging and price have a positive and significant influence on consumer purchase intention, as indicated by an F-count of 44.735 F-table of 3.09 and a significance level of 0.000 0.05. The R value is 0.490, meaning that 49% of the variation in purchase intention is explained by the model, while the remaining 51% is influenced by other variables not examined in this study.
Operational Management Readiness in Enhancing Customer Satisfaction (A Case Study of PT. Cipta Karya Technology in Medan City) Sihotang, Mhd Rifani; Nasution, Muhammad Syukri Albani
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.v5i3.534

Abstract

The advancement of information and communication technology has intensified the demand for fast and stable internet services. Consequently, internet service providers (ISPs), particularly those offering WiFi services, must strengthen their operational management readiness to meet customer expectations. This study aims to analyze the extent to which operational management readiness contributes to enhancing customer satisfaction among WiFi internet service users in a private company. The findings indicate that strong operational management readiness significantly improves customer satisfaction by enhancing service quality, reducing waiting times, and improving accessibility. Therefore, ISPs should prioritize operational management readiness as a strategic component to increase customer satisfaction and sustain competitive advantage.
Antecedents and Consequences of Tourist Visit Intention at Smart Tourist Destinations Panggabean, Gideon Yosep Partogi; Risqiani, Renny
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

Abstract

Tourist destinations require the use of digital technology or smart tourism destinations for optimization so that they can provide convenience for tourists. However, there are several destinations that have not implemented the smart tourism destination concept due to blank spots and telecommunication signal problems. In addition, there has been a decline in tourists, especially domestic tourists, in several points in Indonesia, one of which is in Papua and Labuan Bajo. The data used in this study is primary data sourced from the results of filling out a questionnaire via Google Form. The research sample was selected using a purposive sampling method. Data analysis used for hypothesis testing is structural equation modeling (SEM) analysis. The results of the study indicate that E-Attitude, Perceived Environmental Sustainability, and Destination Image have a positive effect on Smart Tourism Destinations Visit Intentions. The results also show that Smart Tourism Destinations Visit Intentions have a positive effect on Smart Tourism Destinations Visiting Behavior. However, resource efficiency norms and tourist-perceived value do not affect smart tourism destinations' visit intentions. The results of this study provide information that companies also need to be proactive in responding to various issues related to changes in the technological superiority of tourist destinations and the need for equitable development of tourism technology throughout Indonesia.
The Influence of Organizational Culture and Work Environment on Employee Performance Mediated by Leadership at the Jakarta Mass Rapid Transit (MRT Jakarta) Station Salam, Mochamad Darda Darus; Zaharuddin, Zaharuddin; Sembada, Gada
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.v5i3.541

Abstract

This study is motivated by the organizational demands in the era of globalization and technological disruption to maintain competitiveness through the optimization of human resource performance. The objective is to analyze the influence of organizational culture and work environment on employee performance at PT MRT Jakarta, as well as to evaluate the mediating role of leadership in this relationship. A quantitative approach was employed using a survey method involving 265 respondents selected through accidental sampling from a population of 783 operational station employees. Data were collected using a closed-ended questionnaire based on a five-point Likert scale and analyzed through multiple linear regression, t-test, F-test, and Sobel test. The results indicate that organizational culture and work environment significantly influence employee performance, both directly and indirectly through leadership as a mediating variable. A disciplined, service-oriented organizational culture, a safe and comfortable work environment, and transformational leadership have been proven to enhance performance quality. These findings underscore the importance of synergy between structural and cultural aspects in human resource management policies. The recommended policy implications include strengthening organizational cultural values, improving work environments focused on health and ergonomics, and developing sustainable leadership training programs to support the achievement of strategic organizational goals.
A Study of Interest Rate Thresholds on Foreign Investment in the Construction Sub-Sector in Indonesia Lumintang, Zulfikar Halim; Damayanty , Prisila; Mubarok, Faizul
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.v5i3.544

Abstract

The construction subsector plays a strategic role in driving infrastructure development, regional connectivity, and national economic competitiveness. However, the realization of foreign direct investment (FDI) in this subsector remains relatively low compared to other sectors, despite the improving investment climate in Indonesia. One of the main factors influencing foreign investors’ decisions is macroeconomic variables such as interest rates, exchange rates, and foreign reserves, which in the context of the construction subsector are suspected to have a complex and not entirely linear relationship. This study aims to analyze the realization of FDI in the construction subsector along with the macroeconomic factors affecting it, to identify the nonlinear relationship pattern between interest rates and FDI, and to estimate the optimal interest rate threshold to attract foreign investment. The research uses quarterly secondary data from 2010–2023, analyzed with the Vector Error Correction Model (VECM), supported by RESET test, Johannsen cointegration, IRF, and FEVD. The results reveal a nonlinear inverted U-shaped relationship between interest rates and FDI in the construction subsector, with an optimal threshold at 4.195%. At moderate levels, interest rates have a significant positive effect, but become negative when exceeding this optimal point. Conversely, exchange rates and foreign reserves do not significantly affect FDI, although their directional relationships are consistent with theoretical expectations. These findings suggest that prudent interest rate management, exchange rate stability, and structural improvements in the construction subsector are crucial to enhancing Indonesia’s attractiveness to foreign investors.
The Impact of Digital Promotion and Location on Consumer Loyalty with Customer Satisfaction as a Mediation Variable at Coffee Cart in Manado Katiandagho, Oktavianus; Cahyono, Budhi
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.v5i3.546

Abstract

The growth of mobile coffee carts in the digital era indicates significant potential within the coffee industry, particularly due to their location flexibility and low operational costs. This study primarily aims to identify the extent to which digital promotion and location factors influence customer loyalty toward mobile coffee businesses in the Manado area, with customer satisfaction considered as a mediating variable. The research adopts a quantitative approach with an explanatory design, involving 286 participants who provided data through a structured questionnaire. Data analysis was conducted using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method. The analysis results reveal that both digital promotion and location contribute positively and significantly to the development of customer loyalty. Their impact is not only direct but also indirect, as mediated by increased customer satisfaction. The findings underscore the importance of effective digital strategies, optimal location selection, and enhanced customer satisfaction as key factors in fostering loyalty within the mobile coffee cart sector. These insights offer valuable implications for MSME actors seeking to strengthen their competitiveness amid the intensifying landscape of the coffee business.
Optimizing Marketing Strategies Optimizing Marketing Strategies for Gold Installment Products and Hajj Savings Case Study of BSI KCP Surabaya Klampis Fianto, Aulia Zilvina Lauretta; Soviani, Enjeli Femi; Khoirudin, Faris; Salsabillah, Princess Diah
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

Abstract

This study aims to identify and optimize the marketing strategies for Gold Installment and Hajj Savings products at BSI Klampis Branch Office in Surabaya. Both products have significant potential to attract Muslim customers, but challenges in education, market segmentation, and marketing communications remain obstacles to increasing transaction volume. This study used a qualitative case study approach, conducted through in-depth interviews with BSI internal staff and direct field observations. The results indicate that the implemented marketing strategies include digital-based promotions, education through Islamic activities, and collaboration with local communities. However, the effectiveness of these strategies has not been maximized due to the lack of structured market needs mapping and low Islamic financial literacy among the target segment. Optimization of the strategy is recommended through strengthening digital channels, increasing the capacity of marketing staff, and developing an integrated literacy program. These findings are expected to provide strategic input for BSI in increasing market penetration for Gold Installment and Hajj Savings products sustainably in Surabaya and the surrounding area, as well as serve as a reference for other Islamic financial institutions in developing product marketing strategies based on Islamic values.
The Influence of Location and Service Quality on Purchase Decision (Case Study at Rahman Collection Store) Suleman, Panji; Sahara, Sahara; Cristya, Desty
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.v5i3.558

Abstract

This study aims to analyze the influence of location and service quality on purchase decisions, using a case study at the Rahman Collection Store. A quantitative method was employed, with the research population comprising all railway passengers at Cirebon Station who have interacted with other passengers. The total number of visitors to Rahman Collection Store from July to December was recorded at 21,457. The Slovin formula was used to determine the sample size, resulting in 99.536, which was rounded up to 100 respondents. Data were collected using a Likert scale to measure respondents’ perceptions of the studied variables. The research findings indicate that both location and service quality have a significant influence on consumer purchase decisions. Furthermore, when analyzed jointly, location and service quality were found to simultaneously affect purchasing behavior at the Rahman Collection Store. These results highlight the importance of strategic location and high-quality service in attracting and retaining customers.
A Dynamic Model of Banking Efficiency, Stability, and Competition in Indonesia Nur'aini, Dyah Tari; Damayanty, Prisila; Mubarok, Faizul
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.v5i3.561

Abstract

The banking industry plays a vital role in Indonesia's economy, yet the dynamics among efficiency, stability, and competition levels often exhibit complex and not fully understood relationships. This study aims to analyze a dynamic model that describes the short- and long-term interactions between efficiency, stability, and competition in Indonesia's banking industry during the period 2015–2023. The research employs a quantitative approach using the Vector Error Correction Model (VECM) to examine the causal effects and the contribution of shocks among the variables. Secondary data were obtained from annual bank financial statements, OJK statistics, and Bank Indonesia publications. The findings indicate that competition positively affects efficiency, in line with the competition-efficiency hypothesis and quiet life hypothesis, but exhibits a nonlinear relationship with stability: increasing short-term risk but enhancing long-term stability, as described by the competition-stability hypothesis. Stability consistently improves efficiency and competition in both the short and long term, while the impact of efficiency on competition is more limited. The Impulse Response Function and Forecast Error Variance Decomposition analyzes also show that each variable initially dominates its own variability, with the contribution of other variables gradually increasing over the long term. These findings offer important implications for regulators and banking practitioners in formulating strategies to enhance competitiveness, improve efficiency, and maintain stability sustainably.

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