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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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The Urgency of the 5C Principle in Minimizing Financing Risk at Bank Syariah Indonesia KC Diponegoro Andriyani, Rizki; Kurniawan, Muhammad; Nurmalia, Gustika
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.v5i4.555

Abstract

The purpose of this study was to analyze the urgency of the application of the 5C principles in minimizing the risk of financing at Bank Syariah Indonesia KC Diponegoro. This research includes a type of Field Research (field research) which is essentially a method to find specifically and realistically about what is happening in society. As for the informants in this study amounted to 5 people who consist of employees of bank BSI AFO Division (Area Financing Operation) and customers of Bank Syariah Indonesia (BSI) KC Bandar Lampung. Overall, the application of the 5c principles includes character assessment through interviews and track records, Capacity through business observation and cash flow analysis, Capital from the customer's initial capital, Collateral as additional liquid and legal security, and Condition through environmental economic analysis is a comprehensive approach that is essential in mitigating financing risks in Islamic banking. This study implies that the optimal application of the 5C principles (Character, Capacity, Capital, Collateral, and Condition ) can significantly minimize the risk of financing at Bank Syariah Indonesia KC Diponegoro, resulting in a positive impact on the financial health and sustainability of the bank's operations. This study offers an original perspective by specifically analyzing the urgency of implementing the 5C principles (Character, Capacity, Capital, Collateral, Condition) in minimizing financing risks at Bank Syariah Indonesia KC Diponegoro, filling the void of in-depth empirical studies on Sharia entities in the region.
The Influence of Brand Image and Product Variation on Consumer Buying Interest of Geprek Bensu (Case Study in Gorontalo City) Mulyadi, Dwiandra Venayla Putri; Mendo, Andi Yusniar; Juanna, Andi
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.v5i4.424

Abstract

This study aims to determine whether brand image and product variety influence consumer purchasing interest at Geprek Bensu restaurants in Gorontalo City. This research method uses a quantitative approach with three variables, namely brand image (X1), product variety (X2), and purchasing interest (Y). The sample used in this study amounted to 96 respondents, who had never made a purchase at Geprek Bensu in Gorontalo City and were the general public of Gorontalo City and students of Gorontalo State University. The sampling technique used was purposive sampling. Data analysis used was descriptive analysis and multiple linear regression analysis. The results showed that brand image had a positive and significant effect on purchasing interest, indicated by a regression coefficient value of 0.551. Product variety also had a positive and significant effect on purchasing interest with a coefficient value of 0.345. Simultaneously, brand image and product variety had a significant effect on consumer purchasing interest. This was indicated by the results of the multiple linear regression test with an F-value of 147.696 and a significance of 0.001. These findings reflect that strengthening brand image and providing product variations that suit consumer preferences can increase purchasing interest, especially among the younger generation.
Antecedents of Employee Turnover Intention on Food and Beverage Ariani, Tria Aminun; Mansyur, Anwar
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.v5i4.523

Abstract

This study aims to examine the influence of Affective Commitment, Normative Commitment, and Occupational Stress on Turnover Intention. The research method used is a quantitative research method with a questionnaire as the data collection tool. The sampling technique used was purposive sampling, with a sample size of 115 employees of Coffeeshop Food & Beverage in the West Region of Semarang City. Data analysis was conducted using validity and reliability tests and multiple linear regression. The results of this analysis indicate that there is a positive insignificant influence of affective commitment on turnover intention, a negative insignificant influence of normative commitment on turnover intention and a positive significant influence of occupational stress on turnover intention. Simultaneously, all three independent variables significantly influence turnover intention. This finding indicates that job stress will influence high turnover intention, and the negative influence of normative commitment will have an impact on no intention to leave low. This study provides theoretical implications in the development of human resources management concepts and suggests that organizations always pay attention to employees to prevent higher turnover intentions, with policies that are more beneficial to employees.
The Effect of Work Stress, Work Motivation, and Work Environment on Employee Performance Rohmah, Mariam Nurul; Saefudin, Nugraha
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.v5i4.530

Abstract

This study aims to analyze the influence of work stress, work motivation, and work environment on employee performance at Nurul Huda Cikampek Foundation. The research background is based on the phenomenon of high work stress levels, declining motivation, and suboptimal work environment conditions at the foundation, which have contributed to decreasing employee performance over the past three years. The research employs a quantitative method with descriptive and verificative approaches. The study population includes all employees of Nurul Huda Cikampek Foundation, with a sample of 50 respondents selected using nonprobability sampling through a saturated sampling technique. Data was collected through questionnaires and analyzed using Scale Range Analysis and Path Analysis with SPSS software. The results indicate that work stress falls into the moderate category with an average score of 3.45 and has a significant negative influence on employee performance. Work motivation is in the good category with an average score of 3.82 and shows a significant positive influence. The work environment also scores well with an average of 3.60 and demonstrates a significant positive impact on performance. Partially, work stress accounts for 28.5%, work motivation for 34.2%, and work environment for 31.8% of performance variation. Simultaneous analysis reveals that these three variables collectively explain 78.6% of employee performance variance, while the remaining 21.4% is influenced by other factors beyond this study. These findings provide practical implications for the foundation's management to better manage work stress, enhance motivation, and improve work environment conditions to boost employee performance. The study also contributes to human resource management literature, particularly in the context of non-profit organizations.
The Influence of Perceptions of Convenience, Benefits, and Risks on Interest in Using Financial Technology (Gopay) in Gen Z in Bandar Lampung City Putri, Lusiana; Iqbal, Muhammad; Ramdani, Rahmat Fajar
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.v5i4.552

Abstract

This study aims to determine the effect of perceptions of convenience, benefits, and risks to the interest of Generation Z in using financial technology (GoPay) in the city of Bandar Lampung. This study uses a descriptive quantitative approach with sampling techniques through the Slovin formula, which resulted in 100 respondents from Generation Z in the region. Data analysis was conducted using PLS-SEM method through SmartPLS 4 application, covering validity, reliability, hypothesis test, and coefficient of determination. Overall, this study consistently shows that perceptions of ease, benefit, and risk have a positive and significant influence on Gen Z's interest in using GoPay fintech in Bandar Lampung City. The three proposed hypotheses proved to be accepted, with benefit perception and risk perception showed a stronger influence than the perception of ease based on the value of T-statistics and f-square. Specifically, the R-Square value of 0.673 confirms that this model is very good at explaining the 67.3% variation in interest in GoPay use by Gen Z. These results support the validity of the Technology Acceptance Model (TAM) and provide practical implications for fintech service providers to prioritize improving perceived benefits and effective risk management, while maintaining ease of use, to drive continued adoption and interest among the Gen Z segment.
Effect of Financial Literacy, Financial Attitude, and Lifestyle on Financial Management (Study on Students in Bandar Lampung City) Nursalma, Intan; Ridwansyah, Ridwansyah; Iryana, Wahyu
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.v5i4.556

Abstract

This study aims to analyze the influence of financial literacy, financial attitudes, and lifestyle on the financial management of students in the city of Bandar Lampung. Good financial management is crucial in creating personal economic stability, especially for students who are in the process of becoming financially independent. This study uses a quantitative approach to the survey method by distributing questionnaires to 150 respondents selected through a simple random sampling technique. Data analysis was done using multiple linear regression with the help of the SPSS version 29 program. The results showed that financial literacy, financial attitudes, and lifestyle have a positive and significant effect on Student Financial Management. These findings are in line with the framework of the Theory of Planned Behavior. This study recommends improving financial literacy and strengthening more planned attitudes and lifestyles as effective strategies in encouraging healthy financial management behavior among students.
Analysis of the Relationship between Fintech and Financing on MSME Performance Kadir, Almiranda; Adam, Echan; Moonti, Agustinus
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.v5i4.559

Abstract

Modern trade currently encourages countries to continuously innovate to advance the economy, one of which is through strengthening the Micro, Small, and Medium Enterprises (MSMEs) sector. In facing these changing times, MSMEs are required to adapt to technological advances, particularly in the field of digital finance or financial technology (fintech). The use of fintech facilitates transaction processes and access to financing, which is expected to improve MSME performance. However, the use of fintech must be accompanied by adequate understanding and education for MSMEs. This study aims to analyze the influence of fintech and financing on MSME performance. The research used an explanatory approach with a quantitative approach using primary data. The results indicate that the use of fintech significantly influences financing, fintech directly influences MSME performance, and financing significantly influences MSME performance. Therefore, an active role is needed from local governments in providing accessible access to fintech services, affordable financing facilities, and entrepreneurship training to improve the competency of MSMEs in facing competition in the digital era.
Influence of Halal Labeling, Religiosity, Taste, and Price Against the Purchase Decision of Korean Instant Noodle Products in Islamic Business Perspective (Study on Muslim Community in Bandar Lampung) Rusmiyati, Salsa Azzahra; Fuadi, Fatih; Selvina, Mia
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.v5i4.576

Abstract

The popularity of Korean instant noodles among Indonesian muslims is increasing, but this raises concerns regarding the halal status of these imported products. Some products do not yet have official halal labels from Indonesian institutions, raising doubts and influencing consumer behavior. This study aims to analyze the influence of halal labeling, religiosity, taste, and price on purchasing decisions for Korean instant noodles from an Islamic business perspective. The halal label is understood as a guarantee of product compliance with sharia, religiosity reflects an individual’s obedience in choosing halal products, taste is related to taste preferences, and price reflects consumers’ purchasing power and perceived value. The study used a quantitative approach with data collection techniques through an online questionnaire to 100 muslim respondents in Bandar Lampung, using a purposive sampling technique with the criterion of having purchased Korean instant noodle products. The sample calculation used the Slovin formula with a 0.1 error rate. Data were analyzed using SmartPLS 4. The results show that the halal label, religiosity, taste, and price have a positive and significant effect on purchasing decisions. These findings contribute to business actors in designing marketing strategies that are in accordance with Islamic business principles and the characteristics of muslim consumers.
Market Reaction to the Announcement of the Launch of International Carbon Trading in Companies Indexed by IDXESG Leaders on the Indonesia Stock Exchange Haseng, Aldiyanto; Selvi, Selvi; Hamin, Dewi Indrayani
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.v5i4.601

Abstract

This study aims to identify the market reaction triggered by the information contained in the event of the launch of international carbon trading by IDXCarbon, particularly for companies listed in the IDXESG Leaders index on the Indonesia Stock Exchange. The data used in this study are secondary data obtained through the documentation method of individual historical stock prices. The sample consists of 30 companies indexed in IDXESG Leaders. The method used is an event study with abnormal return analysis, followed by a paired sample t-test and Wilcoxon signed rank test using SPSS 25. Based on the result, the paired sample t-test shows that the launch of international carbon trading by IDXCarbon does not indicate a significant difference in abnormal return before and after the event. However, the Wilcoxon signed rank test shows a dominance of positive reactions, indicating that the event carries favorable information (good news).
Examining the Effect of Work Discipline on Employee Performance with Work Motivation as a Mediating Variable: Evidence from the Biak Numfor Police Pratama, Denny Ari; Sitaniapessy, Arthur; Albert Gamot Malau
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.v5i4.604

Abstract

This study aims to analyze the influence of work discipline on the performance of personnel at Biak Numfor Police Resort, with work motivation as an intervening variable. The research is motivated by the high rate of disciplinary violations within the Biak Numfor Police, which has led to a decline in performance and professionalism among personnel. A quantitative approach was applied using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) method. The sample consisted of 220 active police officers selected through purposive sampling, while the research instrument was developed based on validated and reliable indicators. The results indicate that work discipline has a positive and significant effect on both work motivation and performance. Furthermore, work motivation has a significant influence on performance and mediates the relationship between work discipline and performance. These findings emphasize that work discipline not only directly contributes to improved performance but also builds internal motivation that drives more optimal results. This research provides practical implications for police leadership, particularly the need to implement consistent disciplinary policies, foster a positive work culture, and develop reward systems that enhance motivation. Such strategies are expected to strengthen discipline, boost internal motivation, and ultimately optimize personnel performance at the Biak Numfor Police Resort.

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