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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 609 Documents
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Acceptance Analysis of AIRA Mobile Banking Application Using the Technology Acceptance Model (TAM) Prasetyo Indra Surono; Sri Wahyuni
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.v6i2.1013

Abstract

The primary objective of this research is to evaluate how users adopt the AIRA Mobile banking platform frameworked by the Technology Acceptance Model (TAM). Methodologically, an explanatory quantitative design integrated with a verificative approach was adopted. The population in this study comprises 7,134 users of AIRA Mobile banking at Nanobank Syariah Balikpapan Branch, based on data as of December 31, 2025. Purposive sampling was chosen as the sampling method. Data collection utilized a Google Form distributed via links through WhatsApp. To process the collected data, structural equation modeling via the Partial Least Squares (PLS) technique was executed through SmartPLS 3 software. The empirical findings reveal that Innovativeness significantly and positively drives both Perceived Usefulness and Perceived Ease of Use in the use of Aira Mobile. Furthermore, Perceived Ease of Use exerts a meaningful positive impact on Perceived Usefulness as well as Attitude Toward Using. The data also confirms that Perceived Usefulness substantially enhances Attitude Toward Using. Ultimately, both Perceived Usefulness and Attitude Toward Using are proven to have a significant positive bearing on consumers' Behavioral Intention to continue utilizing the application in the use of Aira Mobile.
The Role of Store Atmosphere and Price on Purchasing Decisions at MSME Cafes In Tebing Tinggi City as Supporters of a Sustainable Local Economy Sigit Arya Pranata; Hafizh Rabiula; Dedy Dwi Arseto; Willy Cahyadi
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.v6i2.1016

Abstract

This study aims to examine and analyze the influence of store atmosphere and price on purchasing decisions at MSME cafés in Tebing Tinggi City as a support for sustainable local economic development. This research employed a quantitative method. The study was conducted in Tebing Tinggi City from December 2025 to April 2026. The research population consisted of all consumers of MSME cafés in Tebing Tinggi City, whose total number was unknown. The sample size was determined using Cochran’s formula, resulting in 96 respondents selected through an accidental sampling technique. The study utilized primary data collected through questionnaire distribution. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS, including outer model testing, inner model testing, and hypothesis testing. The results indicate that store atmosphere has a positive and significant effect on purchasing decisions. Price also has a positive and significant effect on purchasing decisions. Simultaneously, store atmosphere and price have a positive and significant effect on purchasing decisions at MSME cafés in Tebing Tinggi City. These findings suggest that a comfortable café atmosphere and appropriate pricing can enhance consumers’ purchasing decisions.
The Effect of Workload and Work Stress on Quiet Quitting with Burnout as a Mediating Variable in Generation Z Employees Erika Fataa Cahyaningrum; Teguh Hardi Raharjo
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.v6i2.1033

Abstract

The phenomenon of Quiet Quitting is one of the issues that is getting more and more attention in the world of work because it shows the tendency of employees to limit work involvement only to tasks and responsibilities that have been set without making additional contributions beyond formal obligations. This phenomenon is widely associated with Generation Z who have a high concern for work-life balance and mental health. The focus of this study is to analyze the role of burnout in the relationship between workload, work stress, and Quiet Quitting in Generation Z employees. The collected data is then processed using the PLS-SEM technique with the help of SmartPLS. The findings indicate that work stress contributes significantly to increased burnout and quiet quitting, while workload was not found to have a significant influence on both constructs. Burnout has also been shown to have a positive effect on quiet quitting. The results of the mediation test showed that burnout did not mediate the effect of workload on quiet quitting, but mediated the effect of work stress on quiet quitting through a complementary mediation mechanism. This finding confirms that work stress is a more dominant factor than workload in explaining the emergence of burnout and Quiet Quitting in Generation Z employees. Therefore, organizations need to prioritize work stress management and burnout prevention to minimize the tendency of Quiet Quitting in the work environment.
The Effect of Work Stress and Readiness to Use E-BMD on the Performance of Asset Management Staff at the Regional Secretariat of Jombang Regency, With Organizational Commitment as an Intervening Variable Arista Nurul Cahyati; Choirul Nikmah
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.v6i2.1048

Abstract

The progress of modernization has influenced various aspects of human life, including the workplace. Through this progress, technological advancements and digitalization have taken shape and made daily activities more convenient. However, in government agencies in Indonesia, the implementation of digitalization remains suboptimal, even though it should be utilized to support the implementation of good governance. The E-BMD application serves as a digital innovation in asset management. This study aims to analyze the influence of work-related stress and readiness to use E-BMD on the performance of asset management staff at the Jombang Regional Secretariat, with organizational commitment as an intervening variable. This study employs a quantitative approach with an explanatory research design. Data were collected through the distribution of questionnaires to 50 asset management staff involved in the use of E-BMD. Data analysis was conducted using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) through outer and inner model testing to assess validity, reliability, and relationships among variables. The results indicate that readiness to use E-BMD has a positive and significant effect on employee performance and organizational commitment. Organizational commitment also has a positive and significant effect on employee performance. Conversely, job stress has a negative and significant effect on both organizational commitment and employee performance. Furthermore, organizational commitment was found to partially mediate the effects of job stress and readiness to use E-BMD on employee performance. These findings indicate that the success of E- BMD system implementation is not solely determined by technological readiness but is also influenced by employees’ levels of work-related stress and organizational commitment. Therefore, improved performance among asset management staff can be achieved by enhancing technological readiness, effectively managing work-related stress, and increasing organizational commitment.
The Effect of Internal Audit and Accounting Information System on Financial Management of Bumdes with Internal Control System as a Moderating Variable: An Empirical Study of Bumdes in Villages in Kabila District, Bone Sri Entin I. Lakoro; Usman; Ayu Rakhma Wuryandini
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 determine the effect of internal audit and accounting information systems on the financial management of Village-Owned Enterprises (BUMDes) with the internal control system as a moderating variable in BUMDes in Kabila Bone District, Bone Bolango Regency. This study uses a quantitative approach with primary data obtained through questionnaires. The population in this study were all BUMDes managers in Kabila Bone District consisting of commissioners, supervisors, directors, secretaries, and treasurers of BUMDes. The research sample consisted of 32 respondents determined using a purposive sampling technique. The data analysis technique used Partial Least Squares–Structural Equation Modeling (PLS-SEM) through the SmartPLS version 4 application. The results of the study indicate that internal audit has a positive and significant effect on BUMDes financial management. The accounting information system also has a positive and significant effect on BUMDes financial management. The internal control system is unable to moderate the effect of internal audit on BUMDes financial management, so it is categorized as homologizer moderation. Conversely, the internal control system significantly moderates the effect of the accounting information system on BUMDes financial management, thus representing pure moderation. The findings of this study indicate that the success of BUMDes financial management is influenced not only by internal audits and accounting information systems but also by the effectiveness of the internal control system in strengthening the implementation of the accounting information system.
The Impact of Imports, Exports, Domestic Investment (PMDN), Regional Investment (PMDA), the Human Development Index (HDI), and Labor Productivity on Economic Growth in Indonesia (2019–2023) Fasih Kalkun
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.v5i4.411

Abstract

Economic growth is one of the key indicators for measuring a country's development success. This study aims to examine the impact of imports, exports, Domestic Direct Investment (DDI), Foreign Direct Investment (FDI), the Human Development Index (HDI), and labor productivity on economic growth in Indonesia during the 2019–2023 period. The urgency of this research lies in providing a deeper understanding of the factors influencing economic growth to support the formulation of more precise and effective policies.  This study employs a quantitative approach using panel data analysis from 34 provinces in Indonesia. The secondary data collected is processed using Eviews 10 software to identify significant relationships between variables. The findings indicate that exports, imports, HDI, and FDI have a significant influence on economic growth. In contrast, DDI and labor productivity do not show a significant impact on Indonesia’s economic growth.  The results of this study are expected to serve as a reference for policymakers and academics in designing more sustainable economic development strategies based on factors that have been empirically proven to contribute to national economic growth. 
The Influence of Digital Transformation and Customer Experience on Brand Loyalty with Customer Trust as a Moderating Variable from a Marketing 5.0 Perspective Andika Baskara; Edy Purwanto; Suharti Suharti; Dwi Ari Astono
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

The purpose of this study is to examine, from a Marketing 5.0 perspective, how digital transformation, customer experience, and trust among customers influence brand loyalty. This study is quantitative and uses a survey methodology for its explanatory design. Semarang City residents who have interacted with brands online and used digital products or services constitute the demographic of this study. One hundred people were surveyed using a non-probability sampling strategy based on a purposive sampling method. Structural Equation Modeling—Partial Least Squares (SEM-PLS) was used for data analysis. Brand loyalty was positively and significantly influenced by digital transformation and customer experience, while consumer trust did not show a substantial direct effect. There was a negative correlation between digital transformation and customer loyalty, although the positive correlation between customer experience and loyalty was mediated by consumer trust. These findings suggest that in the Marketing 5.0 era, trust is a contextual variable that can strengthen or weaken the influence of customer experience and the value of digital transformation on brand loyalty.
Determinants of Return on Assets in Banking Companies Listed on the Indonesia Stock Exchange Dita Ayu Nurani; Farah Margaretha Leon
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.v6i2.815

Abstract

This study aims to examine the effects of Non-Performing Loans (NPL), Shareholder Equity Ratio (SER), Solvency Ratio (SVR), and Liquidity Ratio (LR) as independent variables on Return on Assets (ROA) among banking companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. A quantitative research approach was employed using secondary data obtained from the annual reports of the selected companies. The study sample comprised 33 banking companies, resulting in a total of 165 observations. Data were analyzed using panel data regression with the Random Effect Model (REM), processed through EViews version 13.0. The findings indicate that NPL and SVR have a negative and statistically significant effect on ROA, while LR has a positive and statistically significant effect on ROA. In contrast, SER does not exhibit a statistically significant effect on ROA.
The Influence of Digital Transaction Security, Product Knowledge, and Ease of Use on the Decision to Use the Byond by BSI Application : (Study on Students in Bandar Lampung) Lia Hanisa Rahmawati; Moh Bahrudin; A Zuliansyah
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.v6i2.972

Abstract

This study aims to determine the influence of digital transaction security, product knowledge, and ease of use on students' decisions to use the Byond by BSI application in Bandar Lampung. This study uses a quantitative method with primary data obtained through the distribution of questionnaires to 100 respondents. The sample used in this study is active students in universities who are in Bandar Lampung, domiciled or currently studying in Bandar Lampung and who know or use Byond by BSI. The data analysis technique uses the data analysis technique using IBM SPSS (Statistical Package for the Social Sciences) version 31 with multiple linear regression analysis. The results of the study show that digital transaction security, product knowledge, and ease of use have a positive and significant effect on students' decisions to use the Byond by BSI application. Simultaneously, all independent variables have a significant effect on the decision to use the Byond by BSI application.
Comparative Analysis Of Asset Turnover And Capital Structure on Company Performance (Empirical Study Of Retail Companies in Indonesia and Thailand) Brahmantyo Aryo Putra Salam; Loggar Bhilawa
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.v6i2.976

Abstract

This research aims to compares the effects of capital structure, as determinded by det to equity ratio (DER), and asset turnover (ATO), on business performance, as determined by return on asset (ROA), in retail prises in Indonesia and Thailand for the year 2024. This study also aims to ascertain whether the two countries average ATO, DER, and ROA are different. This study’s quantitative methodology makes use of secondary data from retail enterprises financial statements that are listed in the OSIRIS database. Purposive sampling was used to pick the 65 companies that made up the research sample. Among the analyticas techniques used are descriptive statistics, multiple linear regression analysis, classical assumption tests, hypothesis testing, and independent T-Test samples. The findings demonstrated that ATO had no appreciable benefical impact on ROA in either Thailand or Indonesia. Additionally, DER did not significatly have a negative impact on ROA in Indonesia nevertheless, in Thailand DER had a significant impact, but the regression coefficient’s direction was potivie, defying the premise. The average ATO and DER did not change significantly between the two nations, according to independent testing of the T-Test. However, the average ROA did differ significantly with Thailand retail profitability outperforming indonesia.

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