cover
Contact Name
Mohamad Toha
Contact Email
motoha@uac.ac.id
Phone
+623216855722
Journal Mail Official
journal.mjifm@gmail.com
Editorial Address
Jalan Raya Tirtowening Jl. Raya Tirtowening Pacet No.17, Bendorejo, Bendunganjati, Kec. Pacet, Kabupaten Mojokerto, Jawa Timur 61374
Location
Kab. mojokerto,
Jawa timur
INDONESIA
Majapahit Journal of Islamic Finance dan Management
ISSN : -     EISSN : 27980170     DOI : https://doi.org/10.31538/mjifm
Core Subject : Economy, Science,
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.
Articles 673 Documents
The Effect of Profitability Ratio on Liquidity Ratio to Assess Financial Performance Before and After Merger at PT Bank Syariah Indonesia (BSI) 2019 - 2025 Period Aura Nabilat En Najla; Septian Aris Munandar
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.v6i2.1235

Abstract

This study aims to determine the effect of Return on Assets (ROA) and Return on Equity (ROE) on the Financing to Deposit Ratio (FDR) at PT Bank Syariah Indonesia Tbk for the 2019–2025 period, as well as to analyze the ability of ROA and ROE to explain changes in the FDR. The study employs a quantitative method using secondary data derived from the financial statements of PT Bank Syariah Indonesia Tbk for the 2019–2025 period. Data analysis was conducted using partial tests (t-test), simultaneous tests (F-test), and the coefficient of determination (R²). The results indicate that, partially, neither ROA nor ROE has a significant effect on the FDR. Simultaneously, ROA and ROE also do not have a significant effect on the FDR. The coefficient of determination (R²) value of 0.064 indicates that ROA and ROE explain only 6.4% of the variation in the FDR, while the remaining 93.6% is explained by variables outside the scope of this study. Thus, profitability—proxied by ROA and ROE—has not exerted a significant influence on liquidity—proxied by the FDR—at PT Bank Syariah Indonesia Tbk during the 2019–2025 period. This suggests that the FDR level is influenced more by other factors, such as financing disbursement policies, third-party funds, asset quality, operational efficiency, and management strategies for maintaining the bank's financial stability.
The Effect of Cognitive, Sensory, and Emotional Experiences on Customer Experience from an Islamic Marketing Perspective (Evidence from Customers of Aprilmart Store, West Lampung) Z Febianti Aslamiyah; Ahmad Habibi; Adhe Risky Mayasari
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.v6i2.1238

Abstract

This study aims to examine the effects of cognitive experience, sensory experience, and emotional experience on customer experience from an Islamic marketing perspective among customers of Aprilmart Store in West Lampung. This study employed a quantitative approach using a causal associative research design. Primary data were collected through questionnaires distributed to 100 customers of Aprilmart Store in West Lampung selected using a purposive sampling technique. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The findings reveal that cognitive experience does not have a significant effect on customer experience. In contrast, sensory experience and emotional experience have positive and significant effects on customer experience. The coefficient of determination (R²) of 0.758 indicates that the proposed model explains 75.8% of the variance in customer experience, while the remaining 24.2% is explained by other variables outside the research model. These findings suggest that sensory and emotional experiences play a more dominant role than cognitive experience in shaping customers' overall experiences. This study contributes theoretically to the development of customer experience research within the context of Islamic marketing and provides practical implications for retail businesses in enhancing customer experience by optimizing sensory and emotional aspects in accordance with Islamic marketing principles
Implementation of the Cinta, Bangga, Paham Rupiah (CBP Rupiah) Educational Program in Enhancing Rupiah Literacy among Elementary School Students at Tahfizh Qur’an Karimah Khairunnisa Khalida; Nyak Angeli Ajianing; Zunnu Wanis Alfarisi; Khairuddin Tambusai
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.v6i2.1239

Abstract

This study aims to analyze the implementation of the "Cinta, Bangga, Paham" (CBP) Rupiah education program in enhancing Rupiah literacy among students at the Karimah Tahfizh Qur’an Elementary School. The CBP Rupiah program is an initiative by Bank Indonesia designed to foster public understanding regarding the importance of recognizing, caring for, respecting, and wisely using the Rupiah both as legal tender and as a symbol of national sovereignty. This study employs a qualitative descriptive method, with activities carried out within the framework of a Community Service Program (KKN). Data collection involved observation, documentation, material presentation, demonstrations, Q&A sessions, and educational games, alongside monitoring student responses and participation throughout the activities. The educational content covered the "Cinta" (Love) aspect by introducing authenticity features via the "Dilihat, Diraba, Diterawang" (Look, Touch, Hold-to-Light/3D) method and the "5 Jangan" (5 Don'ts) principles; the "Bangga" (Pride) aspect by explaining the Rupiah's role as legal tender and a symbol of national sovereignty; and the "Paham" (Understanding) aspect by educating students on the wise use of money, including transaction processes, shopping, and saving. The results indicate that the CBP Rupiah education program helped improve students' understanding of denominations, authenticity features, proper care, functions, and the wise use of the Rupiah. Interactive delivery methods such as demonstrations and games also fostered student enthusiasm and participation. Thus, CBP Rupiah education serves as an effective means of instilling Rupiah literacy from the elementary school level.