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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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Edu Finance to Improve Financial Literacy in Rengginang MSMEs in Sumenep Regency Syauqi, Ahmad; Mubarok, Imam Anas; Wakik, Wakik; Anshori, Syaiful
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.v5i3.599

Abstract

This research aims to provide a comprehensive understanding of the basic concepts of financial management, such as transaction recording, budgeting, and cost calculations, which are expected to help MSMEs in making more appropriate business decisions. The population that is the focus of this study is all Rengginang MSMEs, totaling 42 MSMEs. The sampling technique used in this study is a saturated/census sample, the author took all respondents from the Rengginang MSME population, namely 42 respondents/MSMEs. Because it employs numerical data for descriptive statistical analysis, the research design employed in this study is quantitative. The outcomes of these computations will thereafter be contrasted with Chen and Volpe's standards for financial literacy. The study's findings indicate that financial behavior, financial awareness, and financial abilities are generally inadequate. Therefore, it is necessary to apply the Edu Finance Model for Rengginang MSMEs, which consists of Funding planning for rengginang MSMEs in Prenduan Village requires a clear written plan detailing the capital required and how the funds will be used. A profit and loss report can be prepared, providing information for rengginang MSMEs to manage their businesses. Furthermore, orderly financial record keeping will facilitate MSMEs. Feedback is needed to determine the extent to which budget allocations are in line with the plan. If not, the root cause of the discrepancy should be identified and incorporated into the next period's action plan to ensure sustainable financial management.
Effects of Firm Size, Audit Opinion, and Financial Difficulty on Auditor Change in Infrastructure Companies Listed on the Indonesian Stock Exchange Over the Period 2017-2021 Liahmad, Liahmad; Rahman, Taufiqur
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.v5i3.609

Abstract

The importance of auditor independence in performing audit work has led many companies to change auditors to maintain their independence. This study aims to identify empirical evidence regarding factors that influence auditor turnover, such as firm size, financial condition, and audit opinions. This research is quantitative, with data sources drawn from the Indonesian scholarship. The population used was infrastructure companies listed on the Indonesian stock exchange for the period 2017–2021. Thirty-one infrastructure companies served as the sample. The research sample was obtained using purposive sampling technique. The analytical method used was logistic regression analysis. The results showed that firm size, financial condition, and audit opinion do not influence auditor switching.
The Effect of Sharia Funds, E-Commerce, Online Financing, and Hedonism Lifestyle on Consumptive Behavior (Survey on SRB Mitra Agro Usaha Customers) Novita, Dian; Sisdianto, Ersi; Selviana, Mia
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.v5i3.510

Abstract

Consumptive behavior is an act of consumption that is carried out excessively and tends to be irrational, which can affect the financial condition of customers and the stability of bank financing. This study aims to analyze the consumptive behavior of customers at SRB Mitra Agro Usaha and the factors that influence it. The research method used is quantitative research method with structural equation model (SEM). The type of data used is the primary data in the form of questionnaires. The population in this study is the customer of SRB Mitra Agro Usaha. Sampling technique in this study using purposive sampling with the number of respondents as many as 100 respondents. The results of this study showed that Islamic funds have a negative and significant effect on customer consumptive behavior seen from the path coefficient value -0.187, t-statistic value 2.757 > t table 1.98 and p-value 0.006 < 0.05. E-commerce has a positive and significant effect on customer consumptive behavior seen from the path coefficient value of 0.483 t-statistic 5.444 > t table 1.98 and p-value 0.000 < 0.05. Online financing has a positive and significant effect on the customer's consumptive behavior seen from the path coefficient value of 0.285 t-statistic 3.317 > t table 1.98 and p-value 0.001 < 0.05 Hedonism lifestyle has a significant positive effect on the customer's consumptive behavior seen from the coefficient value of 0.358 t-statistic 3.881 > t table 1.98 and p-value 0.000 < 0.05. It can be concluded that Sharia funds have a negative and significant effect on consumptive behavior, while e-commerce, online financing, hedonism lifestyle have a positive and significant effect on customer consumptive behavior.
The Influence of Workplace Facilities and Work Environment on Employee Involvement with Self-Efficacy as an Intervening Variable (A Study at PT. Saprotan Utama Semarang) Nuraziz, Rafif Maulidhan; Dihan, Fereshti Nurdiana
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.v5i3.584

Abstract

This study aims to examine the influence of workplace facilities and work environment on employee involvement, with self-efficacy serving as a mediating variable, at PT. Saprotan Utama Semarang. The research is grounded in the notion that human resources play a vital role in enhancing organizational performance and competitiveness, where adequate facilities, a supportive work environment, and employees’ confidence in their abilities are key determinants. A quantitative approach was employed, using questionnaires as the data collection instrument, and data were analyzed through Structural Equation Modeling–Partial Least Square (SEM-PLS). The findings are expected to demonstrate that workplace facilities and work environment significantly affect both self-efficacy and involvement, while self-efficacy mediates the relationship between them. Practically, this research offers recommendations for companies to foster higher employee involvement by improving workplace facilities, creating a conducive environment, and strengthening employees’ self-efficacy to achieve optimal productivity.
The Influence of Work Environment and Organizational Culture on Employee Deviant Behavior with Job Stress as an Intervening Variable: A Study at PD BPR Bank Wonosobo Akmal, Nabil Aushaf; Dihan, Fereshti Nurdiana
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.v5i3.585

Abstract

This study examines the influence of work environment and organizational culture on employee deviant behavior, with job stress as an intervening variable, at PD BPR Bank Wonosobo. Human resources play a crucial role in sustaining service quality and corporate reputation, where a supportive environment, strong culture, and effective stress management are essential for optimal performance. A quantitative approach was employed using a structured questionnaire distributed to 109 employees through a census technique. Data analysis included descriptive statistics, measurement model assessment, structural model testing, and mediation analysis. The findings indicate that work environment and organizational culture both have a negative and significant effect on job stress, and similarly exert a negative and significant effect on deviant behavior. These results suggest that organizations should foster a supportive work environment, strengthen positive cultural values, and manage employee stress effectively to minimize deviant behavior and enhance productivity.
The Influence of Land and Building Acquisition Tax (BPHTB) and Land and Building Tax - Rural and Urban (PBB-P2) on Regional Financial Independence in Regency/City of West Java Province, Year 2021 to 2023 Nolarita, Sofi Windi; Winarso, Eddy
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.v5i3.593

Abstract

This study analyses the influence of Land and Building Acquisition Tax (BPHTB) and Rural and Urban Land and Building Tax (PBB-P2) on regional financial independence in regencies/cities in West Java Province. The approach used was a mixed-methods approach with a sequential explanatory design, beginning with quantitative analysis of secondary data from 2021 to 2023. This phase was followed by qualitative analysis through in-depth interviews with local government officials. The quantitative results indicate that BPHTB and PBB-P2 have a positive and significant influence on the level of regional financial independence. Qualitative findings indicate that these two taxes are significant not just for their ability to generate income but also for how they are managed. Challenges in managing BPHTB and PBB-P2 encompass target establishment affected by non-technical variables, unpredictable revenue potential, uncollectable receivables, data inconsistencies, insufficient fair value benchmarks, and constrained collection authority for national strategic initiatives. Implemented strategies encompass transaction value verification according to NJOP, revaluation of taxable assets, digitalisation of services, public engagement, fiscal incentives, and collaborations with third parties. This study emphasises the importance of effective regional tax management to strengthen fiscal capacity and reduce dependence on transfer funds.
The Strategy of Street Vendors in Increasing Income at Lakota Beach, Tomia District, Wakatobi Regency According to Sharia Economics Ardiansyah, Ardiansyah; Aslan, La Ode
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.v5i3.497

Abstract

This study aims to examine the strategies employed by street vendors at Lakota Beach, Tomia District, Wakatobi Regency, analyze their income, and understand the application of income-increasing strategies based on Sharia Economic principles. The type of research used is field research with a qualitative descriptive approach. Data were collected through observation, interviews, and documentation, involving both primary and secondary data sources at the research site. The results of the study indicate that the strategies implemented by street vendors at Lakota Beach are considered effective, as evidenced by their ability to maintain product quality, set fair prices, carry out targeted promotions, choose strategic locations, and provide excellent service. These factors create significant opportunities for vendors to survive and thrive amid intense business competition. In addition, the vendors’ income has increased significantly due to good management practices, the use of technology for promotion, and their willingness to seize opportunities such as fulfilling large-scale orders. From the perspective of Sharia Economics, the income-boosting strategies adopted by the street vendors also prioritize principles such as honesty in transactions, maintaining product quality and halal standards, showing friendliness and patience, and building customer loyalty. These principles serve as key factors in the vendors’ success in growing their businesses and achieving sustainable income growth.
The Effect of Location, Price, and Menu Variants on Repurchase Intention with Emotional Attachment as a Mediating Variable at the Viral Mobile Coffee in Jl. Pahlawan, Semarang Alkautsar, Alif; Ratnawati, Alifah
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.v5i3.586

Abstract

Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes. Organizational Behavior and Human Decision Processes, 50(2), 179–211. Amalia, N. R., & Saryadi, S. (2018). PENGARUH KEMUDAHAN AKSES DAN DISKON TERHADAP KEPUTUSAN PEMBELIAN PADA SITUS ONLINE TIKET.COM. Jurnal Ilmu Administrasi Bisnis, 7(3), 404–414. https://doi.org/10.14710/jiab.2018.21057 Anisa, D. (2023). Inilah 5 Daerah Penghasil Kopi Terbesar di Jawa Tengah. PT. Aksara Solopos. https://regional.espos.id/inilah-5-daerah-penghasil-kopi-terbesar-di-jawa-tengah-1651804 Aulia, A. P., Arum, R. M., & Hardiyansyah, H. (2024). THE INFLUENCE OF EASE OF USE, TRUST AND E-SERVICE QUALITY ON REPURCHASE INTENTION OF CARE & BEAUTY PRODUCT IN E-COMMERCE WITH E-SATISFACTION AS AN INTERVENING VARIABLE. ICCD, 6(1), 275–282. https://doi.org/10.33068/iccd.v6i1.772 Ferdinand, A. T. (2000). ManajemenPemasaran: Sebuah Pendekatan Strategik. Universitasi Diponogoro. Ghorbanzadeh, D., & Rahehagh, A. (2020). 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Implications of Service Quality and Waiting Time on Patient Satisfaction Through Employee Communication at Perwira Community Health Center, Bekasi City Ramadhan, Andhito; Zaharuddin, Zaharuddin; Junaedi, 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.v5i3.605

Abstract

This study examines the challenges faced by Puskesmas Perwira Kota Bekasi as a primary healthcare provider in maintaining service quality, where service quality, waiting time, and employee communication are key factors influencing patient satisfaction. The research aims to analyze the implications of service quality and waiting time on patient satisfaction through employee communication at Puskesmas Perwira. Given that efficient and quality healthcare services strongly affect patient perceptions and satisfaction, this study used a quantitative approach with a survey of 100 patients who had received services at the health center. Data were analyzed using path analysis to test direct and indirect effects of independent variables on patient satisfaction, with employee communication as a mediating variable. The findings show that service quality and waiting time significantly influence patient satisfaction, both directly and indirectly, through employee communication. Effective communication by employees is a vital factor in reinforcing the impact of service quality and waiting efficiency. These results provide important implications for Puskesmas management in improving public healthcare services.
The Influence of Influencer Marketing, Video Content, and Social Media Interaction on Generation Z's Buying Interest in Online Fashion Products Sabilla, Annis Yuniar; Fuadi, Fatih; Ermawati, Liya
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.536

Abstract

This study used a quantitative approach to determine the influence of influencer marketing, video content, and social media interactions on Generation Z's purchasing interests. Data collected through questionnaires were used as a source of research. The study involved Generation Z. Probability sampling was used for sampling, the sample size was calculated by lemeshow formula for 100 respondents, and PLS (Partical Least Square) was used to analyze the data. PLS is a structural equation modeling (SEM) model that uses an approach based on variance or component based structural equation modeling. SmartPls 4 produces data processing results. This study shows that marketing influence factors have a positive but not significant effect on Gen Z's interest in buying fashion items online. There is a positive and significant influence of video content and social media interaction variables on Gen Z's interest in buying fashion products via the internet.

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