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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 Effect of Leadership Style and Compensation on Teacher Performance Moderated by Organizational Culture at the Aresha Indonesia Center Foundation Diyah Kusumastuti; Priyastiwi, Priyastiwi
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.v5i4.606

Abstract

This study is motivated by the importance of improving teacher performance as a key factor in achieving educational goals, where leadership style, compensation, and organizational culture are assumed to play significant roles. The purpose of this research is to analyze the influence of leadership style and compensation on teacher performance and to examine the role of organizational culture as a moderating variable at the Aresha Indonesia Center Foundation. The study employed a quantitative approach with a survey method involving 40 teachers as the sample, using a Likert-scale questionnaire, and the data were analyzed through Structural Equation Modeling (SEM) with Partial Least Squares (PLS) using SmartPLS. The findings indicate that both leadership style and compensation have a positive and significant effect on teacher performance. Furthermore, organizational culture was found to moderate the effect of leadership style on performance, but did not moderate the effect of compensation. The synthesis highlights that teacher performance can be improved through strengthening visionary, motivational, and supportive leadership, optimizing fair and relevant compensation systems, and fostering a conducive organizational culture. The policy implications suggest the need for leadership development programs, periodic evaluation of compensation policies, and alignment of reward systems with organizational values ​​to create a harmonious and productive work environment that supports the achievement of educational objectives.
The The Effect of Training Effectiveness on Employee Performance with Motivation as a Mediator at the State Assets and Auction Services Office (KPKNL) in Medan Parsan, Parsan; Meutia, Meutia; Soesanta, Prabawa Eka
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.v5i4.611

Abstract

This study aims to analyze the effect of training effectiveness on employee performance with motivation as a mediating variable. The research method employs a quantitative approach, utilizing the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique. Data were obtained by distributing questionnaires to all 44 employees of KPKNL Medan and analyzed using SmartPLS with bootstrapping tests. The results showed that training effectiveness, as measured by the Kirkpatrick Model, had a positive and significant effect on employee performance (b = 0.356; p < 0.001) and on motivation based on Self-Determination Theory (b = 0.843; p < 0.000). Motivation was also shown to have a significant effect on performance (b =0.613; p<0.000) and mediated the relationship between training effectiveness and performance with a greater indirect effect (b =0.517) than the direct effect. These findings confirm that motivation is an important mechanism that explains how effective training can have a real impact on performance improvement. This research provides theoretical contributions by integrating the Kirkpatrick model and Self-Determination Theory, as well as practical implications for management at KPKNL Medan in designing training programs that not only improve technical competence but also increase employee work motivation.
Analysis of Financial Technology (Fintech) on Financial Literacy and Inclusion of Students in South Jakarta Fahruqi, Muhammad Nur; Amelia, Winda
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.v5i4.612

Abstract

This study was motivated by the rapid adoption of Financial Technology (FinTech) among students, which has the potential to strengthen financial literacy and inclusion, but still leaves a gap between access and understanding of safe and responsible use. The objectives are to analyse the effect of FinTech usage on digital financial literacy and financial inclusion, assess the effect of literacy on inclusion, and examine the mediating role of literacy in the relationship between FinTech usage and inclusion. The method used is a cross-sectional quantitative survey of 150 students in South Jakarta using a Likert scale questionnaire, processed through descriptive statistics and SEM-PLS to test the structural model. The results show that: (1) FinTech usage has a positive and significant effect on digital financial literacy; (2) FinTech usage has a positive and significant effect on financial inclusion; (3) digital financial literacy has a positive and significant effect on inclusion; and (4) digital financial literacy significantly mediates the effect of FinTech usage on inclusion. These findings confirm the dual role of FinTech as a gateway to formal services and a vehicle for practical learning, with literacy as the key to safe, responsible, and sustainable financial participation among students. The implication is that the integration of digital payment literacy into the campus ecosystem and collaboration between universities, regulators, and industry need to be strengthened to improve the quality of financial inclusion.
Product Excellence in Islamic Financing at Bank Pembiayaan ‎Rakyat Syariah (BPRS) Al-Washliyah Medan Sabila, Sarah; Syahriza, Rahmi; Harianto, Budi
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.v5i4.619

Abstract

The growth of Islamic banking in Indonesia has encouraged the emergence of various ‎financing products with competitive advantages compared to conventional banking. ‎One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, ‎which offers a wide range of products based on Islamic contractual principles (akad ‎syariah). This research stems from the need to understand the distinctive advantages of ‎Islamic financing products offered by the bank and to assess the factors influencing ‎customers’ preferences for specific products. The study employs a qualitative method ‎with a field research approach. Primary data were obtained through interviews with ‎BPRS Al-Washliyah Medan employees, while secondary data were collected from ‎supporting documents and relevant literature. The aim of this study is to analyze the ‎strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly ‎those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, ‎salam, and istisna—and to explore the factors shaping customer preferences for these ‎products. The findings reveal that murabahah is the most preferred product due to its ‎installment certainty and simple procedures, while other products such as mudharabah ‎and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual ‎value grounded in Islamic principles have been proven to enhance customer trust. The ‎contribution of this research lies in providing insights for Islamic banking practitioners ‎in developing product strategies and serving as an academic reference to strengthen ‎the literature on customer preferences for Islamic financing products at the local level.‎
The Effect of the Consumer Price Index and GDP on BPRS Assets in Indonesia Monika, Sherli; Harahap, Muhammad Ikhsan; Inayah, Nurul
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.v5i4.625

Abstract

This study aims to analyze the influence of the Consumer Price Index (CPI) and Gross Domestic Product (GDP) on the assets of Islamic Rural Banks (BPRS) in Indonesia during the 2019–2023 period. Using secondary data obtained from official publications of the Central Statistics Agency (BPS) and the Financial Services Authority (OJK), this research employs a quantitative approach with a causal associative design. After conducting classical assumption tests to confirm the model’s validity, the analysis was performed using multiple linear regression through the EViews 12 software. The research findings indicate that there are no signs of autocorrelation, heteroscedasticity, or multicollinearity, and that the regression model used meets the requirements of normally distributed data. The partial test results (t-test) reveal that the assets of BPRS are not significantly affected by the Consumer Price Index (CPI), but are significantly influenced by the Gross Domestic Product (GDP). The simultaneous test results (F-test) also demonstrate that BPRS assets are significantly affected by both variables simultaneously. These two variables account for 44.03% of the variation in BPRS assets, as indicated by the Adjusted R-Square value of 0.440347; the remaining portion is influenced by factors not included in this research model.
Factors Affecting the Perceptions of Employees and Tribe Fit Members Medan Regarding Transactions at Bank Syariah Indonesia Hotmaida, Hotmaida; Syakir, Ahmad; Yanti, Nursantri
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.v5i4.626

Abstract

The purpose of this study is to determine the effect of transaction services and usage on the perceptions of employees and Tribe Fit members at Bank Syariah Indonesia in Medan. The subjects of this study were employees and Tribe Fit members consisting of customer service staff, cleaning service staff, technical staff, and members totaling 100 people, of which 36 respondents were tested using the probability sampling method. The results of primary data processing using regression analysis show that there is a significant and positive relationship between the variables of service and usage on the perceptions of employees and members regarding Bank Syariah Indonesia transactions in Medan. Of the three independent variables, it appears that the service variable is the main variable that contributes the most to the perceptions of employees and members regarding Bank Syariah Indonesia transactions in Medan.
Manifestation of the Assael Model on Consumer Purchase Decisions with Modern Life Style as an Intervening Variable on Three International Fast-Food Brands in Soloraya Kusuma, Sofia Anida; Nasir, Moechammad
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.v5i4.627

Abstract

This study aims to analyze and discuss the significant influence of brand awareness, brand association, and brand assets on lifestyle; the significant influence of brand awareness, brand association, and brand assets on brand loyalty; and the significant influence of brand awareness, brand association, and brand assets on brand loyalty mediated by lifestyle. The population in this study consists of all customers who have purchased international products, namely KFC and McDonald’s, as well as national products, namely Restoran Taman Sari and Dapur Solo in Surakarta, with a sample of 200 respondents. Data were collected through the distribution of questionnaires. The sampling technique used in this research was non-probability sampling with a purposive sampling method. Data analysis was conducted using Smart PLS 3, which included the outer model tests comprising convergent validity, discriminant validity, composite reliability, Cronbach’s alpha, and multicollinearity tests and the inner model tests comprising coefficient of determination, goodness of fit, effect size (f²) test, and hypothesis testing. The results of this study indicate that brand loyalty toward fast-food restaurants in Surakarta is significantly influenced by brand awareness, brand association, and brand assets, with lifestyle serving as a moderating variable that strengthens this relationship. These findings support the idea that shifts in contemporary lifestyles have an increasing impact on fast food consumption patterns. Practically, the results provide insights for fast-food restaurant operators on how to better tailor their marketing strategies to align with the lifestyle patterns of consumers.
The Influence of Accounting Knowledge, Information Technology, and Government Support on the Use of Accounting Information on MSMEs in Tulung Melati Village, Bekri District, Central Lampung Regency Amanda, Putri Amelia; Eliza, Any; Ulfah, Ghina
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.v5i4.568

Abstract

This study aims to analyze the influence of accounting knowledge, information technology, and government support on the use of accounting information in MSMEs in Tulung Melati Village, Bekri District, Central Lampung Regency. The research employed a quantitative method through the distribution of questionnaires to 44 respondents. Data analysis was conducted using SmartPLS. The results of the study indicate that government support has a positive and significant effect on the use of accounting information, while accounting knowledge and information technology do not have a positive and significant effect on the use of accounting information. This research provides both theoretical and practical contributions in encouraging the use of accounting information as a basis for decision-making and financial management in MSMEs efficiently and sustainably. It is recommended that the government and MSME actors strengthen collaboration in training and financial system digitalization.
The Effect of Convenience, Service Quality, and Information Quality on User Satisfaction of Tomoro Coffee Application Stifanie, Anggi; Nurhadi, Nurhadi
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.v5i4.491

Abstract

This study aims to analyze the influence of Ease of Use, Service Quality, and Information Quality on User Satisfaction of the Tomoro Coffee Application. The background of this study is based on the importance of user experience in using digital applications as a major factor in increasing customer loyalty and satisfaction. This study uses a quantitative approach with an associative research type. Data were obtained through distributing questionnaires to 100 respondents who are Tomoro Coffee application users and were analyzed using multiple linear regression methods. The results of the study indicate that simultaneously the three independent variables, namely Ease of Use, Service Quality, and Information Quality, have a significant effect on User Satisfaction. Partially, each variable also shows a positive and significant effect. These findings indicate that user experience in accessing the application, the quality of services provided, and the presentation of accurate and relevant information are important factors in shaping the level of satisfaction of Tomoro Coffee application users. This study provides implications for application developers to focus more on improving user-friendly features, the quality of digital services, and the reliability of information to increase customer satisfaction.
Leadership Style Visionary-Transformational Ayep Zaki in the Realization of the Vision of "Faith" in the City of Sukabumi Saputra, Alif Hady; Nenden, Nenden; Zayyan, Aqila; Safrina, Utari Sari; Septiansyah, Andra
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.v5i4.543

Abstract

This study examines the leadership style of H. Ayep Zaki, Mayor of Sukabumi (2025 – 2030), in translating his “IMAN” vision (Innovative, Self-Reliant, Religious, Nationalistic) into 19 flagship programs promised during the 2024 mayoral election. Using a qualitative descriptive approach based on literature and document review, the article explores his visionary–transformational leadership features, implementation strategies, first-100-day achievements, and public critiques. Findings reveal that a blend of visionary, participative leadership and public-service orientation accelerated the launch of the RT endowment fund, doubled RT/RW incentives, awarded 100 scholarships per sub-district, and expanded digital public services (“Sukabumi Menyala”). Nevertheless, legislative pushback on the municipal waqf endowment and delays in finalizing the Mid-Term Development Plan (RPJMD) pose major challenges. The study underlines the need for multi-stakeholder collaboration and participatory governance to ensure program sustainability.

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