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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 490 Documents
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The Role of Customer Satisfaction in Mediating the Effect of Store Atmosphere and Emotional Branding on Customer Loyalty Viona Ramadani; Aang Curatman
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (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.v6i2.902

Abstract

This study aims to analyze the effect of store atmosphere and emotional branding on customer loyalty with consumer satisfaction as a mediating variable among Generation Z consumers of Kopi Kenangan in Cirebon. The study uses a quantitative approach with a causal associative design. The research sample consisted of 230 Generation Z respondents selected through purposive sampling. Data were collected using a Likert scale questionnaire and analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method using the SmartPLS application. The results showed that emotional branding and customer satisfaction had a positive and significant effect on customer loyalty. Store atmosphere had a positive and significant effect on customer satisfaction but did not have a significant direct effect on customer loyalty. Customer satisfaction was found to fully mediate the effect of store atmosphere on customer loyalty and partially mediate the effect of emotional branding on customer loyalty. These findings confirm that Generation Z consumer loyalty is more influenced by emotional experiences and satisfaction levels than by physical store factors directly.
STIMULUS–ORGANISM–RESPONSE (SOR) APPROACH IN ANALYZING THE EFFECT OF LIVE STREAMING TYPES ON TRUST, IMPULSIVENESS, AND PURCHASE INTENTION OF E-COMMERCE CONSUMERS Ambar Wulan Sari; Yolanda Masnita; Kurniawati
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (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.v6i2.921

Abstract

This study was designed to analyze the influence of various live streamer types on consumer purchase intentions, while also examining the role of trust and impulsive buying behavior as mediating variables in the context of live streaming commerce (LSC). A quantitative descriptive survey approach was used, collecting data from 200 LSC user respondents using a structured questionnaire. The data obtained were then analyzed using Structural Equation Modeling (SEM) with AMOS, including testing the validity and reliability of the instrument, evaluating the model's feasibility, and analyzing the direct and indirect effects between variables. The study's findings indicate that live streamer type contributes positively and significantly to the level of trust and impulsive buying tendencies, which in turn also have a significant impact on increasing purchase intentions. Furthermore, trust and impulsive buying are proven to function as mediators in this relationship, with the indirect effect being more dominant than the direct effect. The novelty of this study lies in the simultaneous testing of these two psychological variables as mediating mechanisms in the structural model, specifically in the context of LSC in Indonesia. Practically and theoretically, the results of this study contribute to the development of social commerce studies, particularly in helping businesses and e-commerce platforms optimize their live streaming strategies by increasing the credibility, interactivity, and quality of communication displayed by live streamers.
The Influence of Religiosity and Obedience Pressure on the Intention to Commit Fraud in Sharia Financial Institutions in Gorontalo City Ajenk Dizca Lalahu; Niswatin; Surya Handrisusanto Ahmad
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (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.v6i2.971

Abstract

This study aims to determine the influence of the Religiosity variable and the Obedience Pressure variable on the Intention to Commit Fraud in Sharia Financial Institutions of Gorontalo City. The method used in this study is a quantitative method with primary data obtained from a questionnaire whose measurement uses the Likert scale. The sample collection process used a purposive sampling technique with a total sample of 42 respondents spread across four Islamic financial institutions in Gorontalo City, namely Bank Syariah Indonesia, Bank Muamalat Indonesia, AMITRA-FIF Group, and Pegadaian Syariah. The data analysis technique in this study uses multiple linear regression analysis operated through the SPSS program. Based on the results of the study, religiosity did not have a significant effect on the intention to commit fraud in Islamic financial institutions in Gorontalo City, while the pressure of obedience had a positive and significant effect. Simultaneously, religiosity and obedience pressure had a positive and significant effect on the intention to commit fraud, explained by an Adjusted R Square value of 35.3% while the other 64.7% was contributed by other variables outside the research model.
Determining the Funding of Post-Employment Benefits: The Role of Salary Expense Ratios, Profitability, Inflation, and Interest Rates Ardi Tauladan Triatmaja; Intan Kurnia Permatasari
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (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.v6i2.875

Abstract

This study aims to examine the effect of salary expense ratio, profitability, inflation rate, and interest rate on the funding level of post-employment benefit obligations in State-Owned Enterprises (BUMN) listed on the Indonesia Stock Exchange during the 2020–2024 period. This study employs a quantitative approach using panel data regression analysis. The research data were obtained from the financial statements of SOEs published on the Indonesia Stock Exchange during the observation period. The results indicate that profitability has a positive and significant effect on the funding level of post-employment benefit obligations. This finding suggests that companies with better financial performance tend to have greater capacity to meet their long-term obligations to employees. Meanwhile, the salary expense ratio, inflation rate, and interest rate do not show a significant effect on the funding level of post-employment benefit obligations. These findings imply that internal corporate factors, particularly profitability, play a more dominant role than macroeconomic factors in determining the funding policy of post-employment benefit obligations. This research contributes to the development of financial accounting literature related to the management of post-employment benefit obligations and provides practical implications for corporate management in designing more effective and sustainable long-term funding strategies.
Comparative Analysis of Cost of Production Calculation Using Full Costing, Variable Costing, and Target Costing Methods in Determining Product Selling Prices : (Case Study: MSMEs in Gorontalo) Mohammad Fadel Tosan; Mahdalena Mahdalena; Ikhlas Ul Aqmal
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (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.v6i2.881

Abstract

This study aims to analyze the comparison of the full cost, variable cost, and target cost methods in calculating the cost of production by MSMEs in Gorontalo, namely Martabak Ar Fachrul, Rolan Upia Karanji, and Taqim Meubel. This study uses a quantitative descriptive approach with primary and secondary data. Data analysis uses the full cost, variable cost, and target cost methods. The results show that each business has its own considerations in choosing the method that best suits its business conditions. Martabak Ar Fachrul and Taqim Meubel chose the full cost method because it covers all production costs, thus providing a more complete cost picture. Meanwhile, Rolan Upia Karanji used the target cost method because the selling price is adjusted to market conditions to remain competitive. The variable cost method was not chosen because it only covers variable costs, so it does not reflect the total production costs and is less appropriate for determining long-term selling prices.
The Role of Competitive Advantage in Mediating the Influence of Business Strategy and Traditional Work Ethic on Entrepreneurial Performance at Warung Madura Grocery Store in Surabaya Dedy Ahmadi; Nurul Hidayat; Ainorrofiqie; Fuji Santoso; Moh Naufal Abror
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (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.v6i2.915

Abstract

Study This is studies causal with approach quantitative purposeful​ for test influence strategy business and ethos Work traditional to performance entrepreneurship, as well as role superiority compete as variables mediation in the store grocery store Madura stalls in Surabaya City. Population in study This covers 980 stores grocery store Madura stalls are spread across 14 sub-districts in Surabaya, with amount sample A total of 250 respondents were selected use purposive sampling technique. Research results show that strategy business and ethos Work traditional influential significant to performance entrepreneurship, good in a way direct and no direct through superiority compete. Strategy effective business, such as differentiation product, efficiency costs, and market focus, as well as values ethos Work traditional like honesty, perseverance, and responsibility answer, proven support achievement superiority compete. Advantages compete play a role as a mediator that strengthens influence second variables to performance entrepreneurship. Findings This confirm importance strengthening strategy business and values ethos Work traditional in increase Power competitiveness and performance business shop grocery store Madurese food stall in Surabaya.
Exploration Utilization of Chatbots Based Artificial Intelligence in Digital Marketing for Snack SMEs Traditional Typical of Sumenep – Madura Fausi Arifin; Nurul Hidayat; Hairul Rahman; Moh Sofwan Kastir Al Aziz; Khairil Anwar; Buhairi
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (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.v6i2.918

Abstract

Study This explore utilization chatbot based Artificial Intelligence (AI) in digital marketing in snack SMEs typical Sumenep Madura which has start adopt technology the However Not yet optimize its use . Through approach qualitative with technique interviews , observations , and documentation , as well as data analysis using NVivo 15 , research This find that chatbot utilized For respond consumer through social media and e-commerce platforms , but its function Still limited to services basis . MSME actors feel a number of benefit like efficiency time , increase speed response , and convenience service customers , but faced with obstacles in the form of low digital literacy , limitations device , instability network , as well as various problem technical aspects of chatbots . In addition , concerns related costs , needs adaptation technology and resistance to change participate influence optimization utilization Chatbot . Consumers and employees hope chatbot features capable give recommendation more personal and interactive products , while MSMEs require integration more systems​ flexible and appropriate with context local . With thus , chatbot based AI own potential significant For strengthening the digital marketing strategy of snack MSMEs typical Sumenep Madura, however required improvement digital literacy , support more technology​ adaptive , as well as development aligned features​ with characteristics business small in area the .
When Prices Beat Production: The Dynamics of Indonesia’s Plantation Commodity Exports Muhammad Danang Adriyanto; Muhammad Anas
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (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.v6i2.967

Abstract

Plantation commodities are a strategic sector that contributes significantly to foreign exchange earnings and the stability of Indonesia's trade balance. This study aims to analyze the influence of commodity prices, total production, and land area on the export value of seven Indonesian plantation commodities, namely CPO, cocoa, coffee, rubber, tobacco, coconut, and tea in the 2015–2023 period. This study uses secondary data from BPS and UNCTAD and uses a panel data regression approach with the Fixed Effects Model (FEM) as the selected model based on the results of the Chow Test and the Hausman Test. The estimation results show that commodity prices and plantation land area have a positive and significant effect on export value, indicating that increases in international prices and land capacity expansion are the main determinants of long-term export growth. In contrast, total production does not show a significant effect, which is explained by the dominance of the price effect over the quantity effect amid global price volatility. These findings emphasize the importance of commodity downstreaming policies and sustainable plantation land management to strengthen the export performance of the Indonesian plantation sector.
Effect of Service Excellence on Customer Loyalty of Bank Syariah Indonesia (BSI) in Bandar Lampung City with Customer Satisfaction as an Intervening Variable Lukman Firnanda; Ujang Hanif Mustofa; Anas Malik
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.v5i4.681

Abstract

This study aims to analyze the effect of Service Excellence on customer loyalty with customer satisfaction as an intervening variable in Bank Syariah Indonesia in Bandar Lampung. The method used is quantitative with Partial Least Square-Structural Equation Modeling (PLS-SEM) approach through SmartPLS software. The results showed that Service Excellence has a positive and significant effect on customer loyalty and customer satisfaction. In addition, Customer Satisfaction also has a significant effect on customer loyalty. However, the indirect effect of Service Excellence on customer loyalty through customer satisfaction is not significant, so mediation is not proven. This finding confirms the importance of excellent service in improving customer loyalty directly
THE INFLUENCE OF ONLINE MARKETING ON CONSUMER PURCHASE DECISIONS FOR FASHION PRODUCTS: A MARKETING MANAGEMENT PERSPECTIVE Riza Dessy Nila Ayutika; Helda Rivatul Mahmuddah
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the influence, support, and use of social media by fashion stores Sun on customer involvement and purchase decisions. In addition, this research aims to know and analyze the influence of cultural, personal, and social to decision online purchase decisions of products at Matahari stores. The development of technology, rapid information and communication​, as well as increasing internet awareness and adoption, has push company for integrating social media to in marketing strategy. Utilization of social media as a means of online marketing is expected to increase customer involvement as well as push decision purchase consumers. This study uses a quantitative approach with a sample of as many as 70 respondents. The retrieval technique used​ is purposive sampling, whereas the data collection method uses primary data through a distribution questionnaire. The data obtained was then analyzed using the application SPSS version 25 to test the influence of variables in the research. Research results expected can give a description of the importance of social media in increasing customer involvement, and the decisions of consumers at Matahari fashion stores. In addition, this research also provides a contribution to the development of online marketing strategies in the digital era, especially in the face of growing business​ competition in the retail and e-commerce sectors in Indonesia.

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