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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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Analysis of Income Inequality Between Rural And Urban Areas in West Java Province 2018 – 2022 Astuti, Yuni; Arif, Muhammad
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.776

Abstract

This research is a quantitative study with an associative-causal (causal-comparative) approach, which aims to analyze the effect of income inequality on the Human Development Index (HDI), Labor Force Participation Rate (TPAK), and fiscal independence in West Java Province during the 2018–2022 period. The data used in this study are quantitative, with a focus on measuring income inequality, the Human Development Index (HDI), the Labor Force Participation Rate (TPAK), and fiscal independence. The type of data used is secondary data that describes the economic and social conditions of a region during a certain period. The data collection technique in this study uses the documentation method, considering that the research is quantitative with secondary data. Based on the goodness-of-fit model test in Cities and Regencies in West Java province, it is proven that the determinant coefficient (R2) value in Regencies is 27.39 percent while the determinant coefficient value (R2) value in Cities is 87.78 percent. Therefore, it can be concluded that the determinant coefficient value (R2) in cities is higher than the determinant coefficient value in regencies. Based on the t-test, it can be seen that the labor force participation rate in both cities and regencies has a negative and significant effect on income inequality. While the labor force participation rate itself has a significant impact on income inequality in regencies and cities, fiscal independence is not sufficient to influence income inequality in regencies and cities in West Java Province. The results of the goodness-of-fit model (F-test) for regencies and cities indicate that simultaneously, the human development index, labor force participation rate, and fiscal independence influence income inequality in regencies and cities in West Java Province.
The Effect of Competence and Work Discipline on Employee Performance with Job Satisfaction Mediation Saputra, Oktaf; Rijanti, Tristiana
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.v5i4.548

Abstract

This study aims to analyze the influence of competence and work discipline on employee performance with job satisfaction as a mediating variable. The study was conducted on employees of the Public Order Agency (Satpol PP) and the Semarang Regency Fire Department. A total of 106 respondents were selected using purposive sampling techniques based on certain criteria. The research method used was quantitative with a survey approach. Data collection was carried out through questionnaires and analyzed using multiple linear regression and the Sobel test. The results showed that competence had no effect on either job satisfaction or performance. Work discipline had a positive and significant effect on job satisfaction. Work discipline had no effect on employee performance. Job satisfaction had an effect on employee performance. Job satisfaction did not mediate the effect of competence on employee performance. Job satisfaction mediated the effect of work discipline on employee performance.
The Effect of ROA, ROE, and DER on Stock Prices of Companies Registered in Indonesia Stock Exchange (BEI) During 2021-2024 Satriyo, Adiansyah; Mujanah, Siti; Fianto, AYA
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.v5i4.638

Abstract

This study aims to analyze the effect of Return on Assets (ROA), Return on Equity (ROE), and Debt to Equity Ratio (DER) on the Stock Prices of companies listed on the Indonesia Stock Exchange (IDX). This research uses a quantitative approach with multiple linear regression analysis methods. The research sample was taken using a purposive sampling technique, consisting of 14 companies and consistently listed on the IDX during the 2021-2024 period. The data used is secondary data from annual financial reports and closing stock prices. The results of partial hypothesis testing (t-test) show that the ROA variable has a positive and significant effect on stock prices, the ROE variable has a negative and significant effect on stock prices, while the DER variable has no significant effect on stock prices. The simultaneous test (F-test) results indicate that ROA, ROE, and DER jointly have a significant effect on stock prices. The Adjusted R Square value was 0.345, indicating that 34.5% of the variation in stock prices can be explained by these three independent variables. There limitations of this research are Low R2 score, Samples limitation, and Analytic model.
The Influence of Financial Literacy, Lifestyle, and Consumer Behavior on Students' Financial Management Rantina, Meilanta
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.729

Abstract

Good financial management is a critical skill for students, who often face financial constraints yet are vulnerable to the pressures of lifestyle and consumptive behavior. This study aims to analyze the influence of financial literacy, lifestyle, and consumptive behavior on student financial management. This research uses a quantitative approach with a survey method. Data were collected through questionnaires distributed to students in the Management Department at UMCI, with a sample of 32 respondents selected using a sampling technique. Data analysis was performed using multiple linear regression analysis to test the relationships and influences between variables. The results show that financial literacy has a positive and significant influence on student financial management. Conversely, lifestyle and consumptive behavior were found to have a negative and significant influence on financial management. These findings indicate that students with a good understanding of finance tend to be able to manage their finances more effectively, while a hedonistic lifestyle and consumptive tendencies can disrupt financial planning and discipline. The implications of this study emphasize the need to increase financial literacy among students and to control lifestyle and consumptive behavior to support their financial well-being. This research is expected to provide input for educational institutions and students in designing educational programs and policies that support better financial management.
Reputation Management and Customer Experience Strategies in Preventing Fraud in Wedding Organizer Service Providers and Its Implications for Increasing Sales (Case Study on Twin Wedding Organizers) Nasution, Radha Mazly
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.737

Abstract

The crisis of public trust due to the rampant cases of fraud (Ponzi schemes and defaults) in the Wedding Organizer (WO) industry has created serious Customer Trust Issues, demanding an integrity-based strategic response. This study aims to analyze the role of Reputation Management Strategy (X1), measured through Transparency and Integrity, and Customer Experience (X2), realized through Employee Competence and Professionalism, as a function of fraud prevention, and examine its implications on Sales Increase (Y1)Case study was conducted on Twin Wedding Organizers in Medan City, involving 150 client respondents and using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) for data analysis. The results of the study show that Strategies (X1) and (X2) have proven to be significant in overcoming Customer Trust Issues (M1), confirming that eliminating Opportunity (financial transparency) and reducing Pressure (team competence) is the key to restoring trust. Success (M1) then serves as a crucial mediator that increases Positive Customer Experience (M2), which ultimately correlates significantly with Increased Sales (Y1). These findings resulted in a 3-Pillar Trust Management Strategy Model that recommends Trust-Based Governance (use of Escrow Account), Competence-Led CX, and Reputation Amplification, making it a practical guide for WO professionals in Medan to make integrity a competitive advantage.
The Effect of Service Quality and Social Media Promotion on Consumer Purchase Decisions at Potatoes Project Coffee Shop Rizkisahbani, Moh; Bempah, Irwan; Mustafa, Ramlan
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.753

Abstract

This study aims to analyze the partial and simultaneous effects of service quality and social media promotion on consumer purchase decisions at Coffee Shop Potatoes Project. The research was conducted from September to December 2025 with a sample size of 43 respondents determined using Cochran's formula through non-probability sampling with accidental sampling technique. Data collection was conducted through the distribution of questionnaires directly to respondents, while data analysis used multiple linear regression. The results show that (1) service quality has a significant positive effect on consumer purchasing decisions, namely 3.783 > t-table 2.021 with a sig. value of 0.001 < 0.05 (2) social media promotion has a significant positive effect on purchasing decisions, namely 2.290 > t-table 2.021 with a sig. value of 0.027 < 0.05, and (3) service quality and social media promotion simultaneously have a significant positive effect on consumer purchasing decisions, namely 35.353 > F-table 3.232 with a sig. value of 0.000 < 0.05. The coefficient of determination value shows that 63.90% of purchasing decisions can be explained by service quality and social media promotion, while the remaining 36.10% is influenced by other variables outside the variables studied in this research.
Development Model for the Development of Business Incubator Programs with a Technology Acceptance Model (TAM) Approach at the Cooperatives and SMEs Office of North Sumatra Province Pasha, Raja Salsabila; Nasution, Harmein; Aritonang, Evawany Yunita
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.795

Abstract

Digital transformation is a strategic challenge for Micro, Small, and Medium Enterprises (MSMEs), especially in the context of technology readiness and acceptance. Although various coaching programs have been implemented by local governments, the results achieved by MSMEs show an uneven success rate. This research aims to develop a business incubator program development model based on the Technology Acceptance Model (TAM) at the Cooperatives and MSMEs Office of North Sumatra Province. The TAM approach is used to understand technology acceptance behavior through two main constructs, namely Perceived Usefulness (PU) and Perceived Ease of Use (PEOU), which are integrated with incubation programs and capital development. This study uses a qualitative approach with a case study method. Data was collected through in-depth interviews with ten MSME actors participating in the 2024 business incubator program. The results of the study show that MSMEs feel the benefits of digital technology in increasing operational efficiency and expanding market reach. However, MSME actors still face obstacles in the application of production technology and limited access to formal financing. The incubation program is considered to be able to increase digital literacy, but it is not fully adaptive to the difference in the level of digital readiness of participants. Capital development is still informative and has not been accompanied by continuous technical assistance. This research resulted in a TAM based business incubator development model that places the perception of usefulness and convenience as the foundation for technology acceptance, and is strengthened by institutional support and a cross-agency coaching ecosystem. This model is expected to increase the effectiveness of MSME coaching in a more inclusive, adaptive, and sustainable manner.
The Role of Job Satisfaction in Mediating the Effects of the Work Environment, Salary, and Job Promotion on Employee Performance at RSU X Purwaningrum, Chornellia Martha; Imronudin; Soekiswati, Siti
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.800

Abstract

Human resources are a key factor in the success of healthcare organizations, particularly hospitals, which are required to provide quality services on an ongoing basis. This study aims to analyze the influence of work environment, salary, and job promotion on employee performance through job satisfaction as an intervening variable at RSU X. This study uses a quantitative approach with a survey method. Data were collected through questionnaires distributed to RSU X employees and analyzed using Structural Equation Modeling with a Partial Least Squares approach (SEM-PLS) through SmartPLS 4.0 software. Model evaluation included testing the validity and reliability of constructs, testing the structural model, and testing direct and indirect hypotheses. The results showed that the work environment, salary, and job promotion had a positive and significant effect on employee job satisfaction. Job satisfaction was also proven to have a positive and significant effect on employee performance. In addition, job satisfaction was able to significantly mediate the effect of the work environment, salary, and job promotion on employee performance. The coefficient of determination (R²) value shows that the research model has strong explanatory power, and the predictive relevance (Q²) value indicates that the model has excellent predictive capability. These findings confirm that improving employee performance in hospitals can be achieved more effectively through efforts to improve the work environment, fair salary management, and a transparent promotion system that takes employee job satisfaction into account.
Golden Gallery's Business Development Strategy Based on Sharia Financing Needs through Partnerships and a Marketing Mix of Services Fakhri, Muhammad Hafizhan; Nawawi, Zuhrinal M; Anggraini, Tuti
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.804

Abstract

This study analyzes the business development of Golden Gallery, an MSME operating in the bridal gown rental service, which faces limited business capacity, particularly in terms of the quantity and variety of its fashion collections amid increasing competition in the wedding service industry. The research focuses on evaluating the service marketing mix, business partnerships, and the feasibility of Islamic financing as strategic efforts to support business expansion. A mixed methods approach with a case study design was employed, utilizing in-depth interviews and consumer questionnaires as supporting data. The findings indicate that Golden Gallery demonstrates strong marketing performance with a high level of customer satisfaction. However, limitations in fashion collections remain a major constraint in meeting market demand. From an Islamic banking perspective, Golden Gallery is considered eligible for financing through a murabahah scheme to enhance business capacity, strengthen competitiveness, and ensure business sustainability. These findings reinforce the importance of Islamic financing approaches that are grounded in the strategic needs of MSMEs rather than solely financial considerations.
The Effect of Work Environment on Teacher Performance at the Nahdlatul Ulama Private Elementary School in Medan Pohan, Fatimah; Ritonga, Nurul Ajima
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.809

Abstract

The significance of the work environment in bolstering teacher performance in private primary schools served as the impetus for this study. At Nahdlatul Ulama Private Elementary School in Medan, the goals were to assess the state of the workplace, the caliber of teacher performance, and the impact of the workplace on teacher performance. The study used basic regression analysis as part of a quantitative methodology. Nine teachers made up the population; all of them participated in the study as responders. A questionnaire on a five-point Likert scale was used to gather data. Prior to hypothesis testing, normality and linearity tests were required. The results show that teacher performance is classified as very good with a mean score of 3.40, and the work environment is classified as very good with a mean score of 3.37. With a correlation value of 0.069 and a coefficient of determination of 0.005, regression results, however, do not demonstrate a positive and substantial impact of the work environment on teacher performance. This indicates that whereas other factors impact 99.5% of teacher effectiveness, the work environment only affects 0.5% of it. These results imply that in order to enhance teacher performance and contribute to the creation of school management policies, more factors should be taken into account.

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