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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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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 Initial Capital, Business Duration, Working Hours, and Number of Workers on the Income of Traders at Tugu Market, Bandar Lampung City Antikasari, Piji Dewi; Asliana, Endang; Puspitasari, Endah Yuni
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.v5i3.562

Abstract

Economic growth in developing countries is often driven by the informal sector, particularly traditional market trading, which plays a critical role in creating employment and supporting low-income communities. In Indonesia, many individuals turn to informal trading due to limited access to formal jobs and education. The purpose of this research is to analyze how internal business elements namely starting capital, length of business operation, hours worked, and workforce size affect the income levels of traders in Tugu Market, Bandar Lampung. The research is motivated by fluctuating income levels in the market and inconsistent findings in existing literature. Using a quantitative approach and survey method, data were collected from 194 traders selected through the Slovin formula from a total population of 378. Structured questionnaires, direct observations, unstructured interviews and subsequently analyzed using multiple linear regression along with classical assumption testing. The findings reveal that both initial capital and the length of time the business has been operating have a substantial effect on income levels, whereas working hours and number of workers do not. These results underscore the significance of adequate funding and prior experience. It is recommended that local governments prioritize capital support and practical business training, supported by ongoing evaluation to enhance income sustainability in the informal sector.
The Influence of Perceptions of Ease, Usefulness, Risk, Trust, and Religiosity on Financing Decisions in Sharia Peer-To-Peer Lending Zakiyyati, Qurrota A'yun; Marhadyta, Ajrina Valentine; Hakam, Abdul; Kinanti, Risma Ayu
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.v5i3.563

Abstract

Sharia-based peer-to-peer (P2P) lending has emerged as an alternative for individuals seeking online financing aligned with Islamic principles. Despite the rapid growth of financial technology in Indonesia, the market share of Sharia P2P lending remains significantly lower than that of conventional platforms. This study aims to examine the influence of perceived ease of use, perceived usefulness, risk, trust, and religiosity on financing decisions in Sharia P2P lending. A quantitative method with a causal design was employed, involving 100 respondents selected through purposive sampling. Primary data were gathered via online questionnaires and analyzed using multiple linear regression with SPSS version 22. The results indicate that perceived usefulness has a positive and significant effect on financing decisions. In contrast, perceived ease of use, risk, trust, and religiosity do not have a significant partial effect. However, all variables collectively exert a positive and significant influence on financing decisions. These findings highlight the importance of enhancing users’ perceptions of usefulness and addressing perceived risks to increase the adoption of Sharia-compliant digital financial services.
The Influence of Service Quality and Facilities on the Performance of Medical and Non-Medical Staff at Bunda General Hospital Jakarta Lestari Reza Widyastuti; Zaharuddin; Dudun Junaedi
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.v5i3.565

Abstract

Customer-oriented service delivery highlights the significance of meeting user demands and ensuring expectations are addressed promptly and efficiently. Simultaneously, sufficient infrastructure and physical support systems are essential for building organizational values and enabling operational activities to achieve objectives. Job productivity refers to the output produced by individuals or teams within an institutional context. This research explores how service quality and infrastructural support impact the work effectiveness of healthcare and administrative personnel at Bunda General Hospital Jakarta. Data were obtained using a random sampling method from a total population of 415 employees, with a final sample of 81 respondents determined through Slovin’s formula (Husein Umar, 2017). Findings reveal that service quality and infrastructure, whether analyzed individually or collectively, significantly and positively affect staff performance in both medical and non-medical functions. Based on these findings, hospital management is advised to enhance service delivery standards, optimize infrastructure, ensure adequate human resource distribution, maintain facilities according to work programs, and, for future studies, expand variables for facility measurement.
The Effect of Training on Employee Performance Through the Intervening Variables of Employee Competency and Employee Work Productivity at PT Bank Negara Indonesia Karangayu Branch Office Putri, Mutiara Kencono; Budiati, Yuli; Kuswardani, DC.
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.v5i3.566

Abstract

In the banking sector, employee performance is crucial for ensuring service quality and institutional competitiveness. This study examines whether training programs at PT Bank Negara Indonesia (Persero) Tbk Karangayu Branch significantly affect employee performance and the extent to which competence and productivity mediate this relationship. It also aims to contribute theoretically by addressing prior research gaps and providing practical insights for improving training and employee development in the industry. The variables studied include training, performance, competence, and productivity within an empirical research model. Data were gathered from 65 employees of the Karangayu branch through interviews and analyzed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM) to assess direct and indirect relationships. Results show that competence serves as a key mediator linking training to performance, while productivity also mediates this causal pathway. Training enhances productivity, which then boosts performance, making productivity a reinforcing intermediary that strengthens the relationship between training and performance.
Community Economic Empowerment Model Based on Local Wisdom in the Perspective of Maslahah (A Case Study of the Red-and-White Crackers Business in Panyabungan) Madinah, Futri; Rokan, Mustafa Kamal; Nasution, Juliana
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.v5i3.567

Abstract

This study aims to examine a community-based economic empowerment model rooted in local wisdom, using a case study of the Red and White Crackers business in Banjar Kobun Village, Panyabungan District, Mandailing Natal Regency. This enterprise not only serves as the primary source of livelihood for the local community but also reflects cultural values and local traditions. The research method employed is descriptive qualitative, utilizing in-depth interviews with 20 business actors and one key informant for further analysis. Data were analyzed using thematic analysis techniques to identify key patterns related to forms of economic empowerment and local wisdom values. The findings reveal that the Red and White Crackers business significantly improves community welfare, reduces unemployment rates, and strengthens local cultural identity. The identified empowerment model is participatory, prioritizes the principle of maslahah (public interest), and opens opportunities for development through marketing digitalization, strengthening local institutions, and cross-sector collaboration. However, while the descriptive qualitative method provides a rich narrative, the absence of comparative analysis limits the generalizability of the findings. This study could be strengthened by integrating data from other similar communities to assess whether the empowerment model can be widely adopted or remains unique to this specific context. The study concludes that community-based economic empowerment rooted in local wisdom is an effective strategy for creating sustainable and inclusive economic development and has the potential to be replicated in other regions with similar cultural characteristics.  
The Influence of Price and Service Quality on Customer Loyalty at Riska Laundry Palembang Salsabila, Nabila; Rosa, Aslamia; Yunita, Dessy
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.v5i3.571

Abstract

The laundry service sector in Indonesia is rapidly growing due to increasingly busy lifestyles and heightened competition, which motivates this study to analyze the impact of price and service quality on customer loyalty at Riska Laundry Palembang. The objective of this study is to examine the extent to which price and service quality factors influence customer loyalty among users of Riska Laundry Palembang. This research employs two types of data: primary and secondary data. The sample was selected using non-probability sampling with a purposive sampling approach, totaling 90 respondents. The analytical technique applied in this study is multiple linear regression, utilizing SPSS Statistics 27 for Windows. The results of the t-test and F-test demonstrate that both price and service quality factors have a positive and significant effect on customer loyalty, both individually and simultaneously, among customers of Riska Laundry Palembang.
The Influence of Multicultural Services and Religious Background on Patient Satisfaction Through Employee Loyalty at Rosida Midwife Independent Practice, Purwakarta Ainisyifa, Rina; Zaharuddin, Zaharuddin; Junaedi, Dudun
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.v5i3.572

Abstract

This study aims to analyze the effect of multicultural service and religious background on patient satisfaction through employee loyalty at Praktek Mandiri Bidan Rosida. This research uses a quantitative approach with a survey method conducted on respondents who have received services at the clinic. The population in this study consisted of all patients who had visited Praktek Mandiri Bidan Rosida, while the sample was determined using specific criteria of service recipients; however, the exact number of respondents is not specified in this abstract. Data were analyzed using path analysis to examine both the direct and indirect relationships among variables. The results show that multicultural service and religious background have a significant effect on patient satisfaction. Furthermore, patient satisfaction is proven to be a significant mediator in shaping patient loyalty. These findings highlight the importance of a service approach that respects cultural and religious diversity to enhance patient satisfaction and loyalty in midwifery care services.
Analysis of the Transformational Leadership Style of the Principal and the Factors Influencing Teacher Performance at SD Inpres Dagimon, Mappi Regency, South Papua Province Bria, Maria Anselmia; Wahyuningsih, Sri; Rohayati, Yeti
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.v5i3.575

Abstract

This study is motivated by the educational challenges in disadvantaged, frontier, and outermost (3T) regions, particularly Mappi Regency, South Papua, where limited infrastructure, low teacher discipline, and weak supervision demand transformational leadership from school principals to enhance teacher performance. The study aims to analyze the transformational leadership style of the school principal and its influence on teacher performance at SD Inpres Dagimon. A qualitative approach with a single case study design was employed. Data were collected through in-depth interviews, participatory observation, and document analysis, with validation conducted via source triangulation. The findings reveal that teachers’ perceptions of transformational leadership encompass four key dimensions: idealized influence, inspirational motivation, intellectual stimulation, and individualized consideration. Such leadership positively impacts work motivation, discipline, instructional innovation, and teacher collaboration. The implication is that the application of transformational leadership constitutes a key strategy in addressing educational challenges in 3T regions and in enhancing sustainable learning quality.
The Influence of Capital Structure, Profitability, and Operating Costs on Corporate Income Tax in Consumer Goods Sector Companies Listed on the Indonesia Stock Exchange (IDX) in 2019–2022 Sari, Nabila Famutia; Sidik, M. Muhayin A.; Asliana, Endang
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.v5i3.578

Abstract

This research explores the relationship between a company’s financial structure, profit performance, and operational spending on the calculation of corporate income tax in Indonesian consumer goods firms listed on the IDX from 2019 to 2022. The study arises from the sector’s economic importance and the inconsistent outcomes reported in earlier research. Adopting a quantitative framework, the analysis uses secondary data from the annual financial statements of 33 firms and applies descriptive statistics, tests of classical assumptions, and multiple regression analysis (including t-test, F-test, and R²) through SPSS. The results indicate that while leverage (DER) does not significantly affect corporate tax, both profitability metrics (ROA and NPM) and operating expenses have a clear positive impact. This implies that increases in profits and operational costs lead to higher tax obligations, whereas debt levels have minimal influence. The study advises that businesses carefully balance profitability and cost management to enhance tax efficiency while sustaining overall financial health.
The Influence of Land and Building Tax (PBB), Duty on the Acquisition of Land and Building Rights (BPHTB), and Groundwater Tax (PAT) on Regional Original Revenue at the Regional Revenue Agency of Bandung City Fauzi, Afrizal Iga; Kustinah, Siti
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.v5i3.579

Abstract

This study seeks to assess the collective impact of PBB, BPHTB, and PAT on the PAD of Bandung City during the 2020–2024 period. The phenomenon underlying this research is the trend of increasing PAD targets and realizations in Bandung City each year, while the revenue from each type of regional tax has shown fluctuations during the same period. The data used are monthly tax realization data obtained from the Bandung City Regional Financial and Asset Agency through documentation techniques and literature study. The investigation applies a numerical research strategy incorporating descriptive characterization and relational analysis. Data processing is conducted through the application of multiple linear regression techniques, assisted by SPSS release 25. The outcomes demonstrate that land and building tax as well as duty on the acquisition of land and building rights contribute positively and significantly to regional own-source revenue, whereas entertainment tax does not produce a statistically meaningful influence. Simultaneously, the three types of taxes have a significant influence, explaining 88.8% of the variation in PAD. These findings emphasize the importance of integrated management and strategies to optimize regional tax revenue to strengthen the fiscal independence of Bandung City.

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