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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 719 Documents
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The Influence of Location, Price, and Product Promotion on Consumer Loyalty Through Consumer Satisfaction in Housing: A Study of PT Expert Jaya Group, Bogor Regency A. Mudrika; Kasmad; Nurmin Arianto
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.v6i2.1241

Abstract

This study examines the influence of location, price, and product promotion on consumer loyalty, both directly and indirectly through consumer satisfaction as an intervening variable, among housing consumers of PT Expert Jaya Group in Bogor Regency, Indonesia. Using a quantitative associative design, data were collected from 268 respondents through a five-point Likert-scale questionnaire and analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 3.0. The results show that location, price, and promotion each have a positive and significant effect on consumer satisfaction. Location, price, and satisfaction also have a positive and significant direct effect on consumer loyalty, whereas promotion does not significantly affect loyalty directly. All three exogenous variables influence loyalty positively and significantly through consumer satisfaction, confirming satisfaction as a partial mediator. These findings extend the Theory of Planned Behavior and Expectation-Confirmation Theory into the residential property context and offer practical guidance for property developers seeking to strengthen long-term customer relationships.
The Effect of Job Satisfaction and Turnover Intention on Employee Performance in the Production Division of PT X in Semarang City Neni Fitriyana; Kustini Kustini
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 of Job Satisfaction and Turnover Intention on Employee Performance in the Production Division of PT X in Semarang City. The study used a quantitative approach with a purposive sampling technique on 100 respondents. Data were collected through a questionnaire with a Likert scale and analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with the help of SmartPLS 4. The results showed that Job Satisfaction had a positive and significant effect on Employee Performance, while Turnover Intention had a negative and significant effect on Employee Performance. These results indicate that increasing Job Satisfaction can support Employee Performance, while increasing Turnover Intention is related to decreasing Employee Performance.
Utilization of Arjuna Application-Based Archive Digitalization in Improving Effective Archive Management in Kalideres District Sri Hardianingsih
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.v6i2.1247

Abstract

Digital transformation in records management is a strategic step taken by local governments to improve the efficiency, transparency, and accountability of public administration. This study aims to analyze the utilization of records digitalization based on the ARJUNA application (Arsip Jakarta Mendunia) in improving effective records management at the Kalideres District Office. Using a qualitative approach with a descriptive method, data collection was carried out through direct observation and in depth examination of empirical realities in the field. The results show that the implementation of the ARJUNA system has successfully reconstructed the previously unorganized conventional bureaucratic work pattern into a more systematic and structured one, while also providing adequate data security guarantees. Nevertheless, the qualitative analysis reveals a functional gap in the form of the absence of a scanning feature (file upload) for physical archives, so that the application's operation is still limited to the level of cataloging or digital indexing, meaning that full digital archiving has not yet been fully achieved. The conclusion of this study affirms that the implementation of ARJUNA at the Kalideres District Office is still in an early transitional phase that requires comprehensive technological feature development as well as strengthening of institutional capacity so that the goal of records media conversion can be fully realized.
The Influence of Good Corporate Governance and Sales Growth on Financial Distress with Operational Efficiency as a Moderating Variable Dhea Maliha Muntaz; Ira Ghania Mustika; Sari Rusmita
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.v6i2.1249

Abstract

This research was built with the aim of testing and analyzingthe influence of Good Corporate Governance (GCG) and sales growth on financial distress conditions, by presenting operational efficiency as a moderating variable. A quantitative approach was applied as the primary method, utilizing secondary data as the source of analysis. The research sample was determined through purposive sampling techniques on manufacturing companies in the food and beverage sub-sector listed on the Indonesia Stock Exchange during the 2020–2024 period. All data collected were then analyzed using WarpPLS7.0 software as the relevant statistical testing instrument. The findings of this study reveal that financial distress is significantly influenced by both GCG and sales growth as independent variables. The role of operational efficiency as a moderating variable in influencing the relationship between GCG and sales growth on financial distress could not be concluded consistently.
The Effect of User Experience on Customer Loyalty of E-Wallets with Trust as an Intervening Variable in Generation Z on Madura Island Shanti Febriyani; Khotibul Umam; Umarul Faruq
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.v6i2.1251

Abstract

This study aims to analyze the effect of user experience on customer loyalty of the DANA e-wallet, with trust as an intervening variable, among Generation Z in Madura Island. A quantitative causal approach was used, with primary data collected through an online questionnaire using a five-point Likert scale. The sample consisted of 100 DANA users aged 17–28 years who had used the application for at least three months, selected through purposive sampling, with the sample size determined using the Slovin formula. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that user experience has a positive and significant effect on trust (β = 0.460; p = 0.003) and on customer loyalty (β = 0.149; p = 0.026), although the direct effect on loyalty is weak. Trust has a positive and significant effect on customer loyalty (β = 0.738; p < 0.001) and partially mediates the effect of user experience on customer loyalty (indirect effect β = 0.339; p = 0.004). The model explains 21.1% of the variance in trust and 66.8% of the variance in customer loyalty. These findings indicate that improving the application interface must be accompanied by strengthening user trust to build long-term loyalty among Generation Z in non-urban areas.
Fish Marketing Efficiency Analysis: Cost Structure and Profit Margin of Collectors in Tihu Village, Bonepantai District Rahma Wati Yunus; Hartati Tuli; Muliyani Mahmud
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.v6i2.1274

Abstract

The fisheries sector in Bone Bolango Regency contributes significantly to the GRDP, yet it is not accompanied by adequate financial management practices at the collector level. This study aims to analyze the marketing cost structure, calculate real profit margins, and assess the efficiency of fish marketing in Tihu Village. Using a descriptive quantitative design with a full-costing management accounting approach, this study involved 7 fish collectors selected through purposive sampling. Data were analyzed using explicit and implicit cost (depreciation) classification, marketing margins, profit-cost ratio ( ), and Break-Even Point (BEP). The results show that the marketing cost structure is explicitly dominated by fuel and ice costs, and implicitly by vehicle and cool box depreciation costs, which are often overlooked. The study identified an illusory profit phenomenon, where actual accounting net profit was 1.35% to 6.2% lower than the collectors' perception due to the exclusion of implicit costs. Efficiency analysis reveals that while most collectors are efficient ( > 1), the respondent with the largest business scale (volume 1,750 kg per week) was inefficient ( = 0.857) due to high non-value-added costs (TPI levies) and low price bargaining power. This proves that efficiency is not directly proportional to the scale of business. The study suggests the importance of allocating depreciation reserve funds and implementing simple accounting records to ensure the sustainability of micro-enterprises in coastal areas.
The Effect of Advertising and Brand Image on Purchase Decisions of Kahf Products Ilham Niamulloh; 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.v6i2.1124

Abstract

This study aims to analyze the effect of advertising and brand image on the purchasing decisions of Kahf products among male consumers in Cirebon City. This research employs a quantitative approach with an associative method. Data collection was carried out through questionnaires distributed to 183 respondents selected using a purposive sampling technique. Data analysis was conducted using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results of the study indicate that advertising and brand image have a positive and significant effect on purchasing decisions for Kahf products, with brand image having a more dominant influence compared to advertising. These findings suggest that advertising effectiveness, when supported by a strong brand image, is a crucial factor in driving consumer purchasing decisions, particularly for halal men's grooming products. This research is expected to provide theoretical contributions to the field of marketing as well as serve as a practical reference for companies in designing more effective marketing strategies.
Self-Efficacy and Internship Experience as Predictors of Work Readiness among Vocational High School Graduates Dira Novi Melinda; Sulastri Irbayuni
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

Vocational high schools play an important role in preparing graduates to enter the workforce. However, vocational high school graduates continue to experience relatively high unemployment rates in Indonesia. This study aims to examine the effect of self-efficacy and internship experience on the work readiness of graduates of SMK Negeri 2 Tuban. This study employed a quantitative causal approach. The population consisted of 65 graduates of SMK Negeri 2 Tuban in 2025 who had not yet worked, with 63 usable respondents obtained through a saturated sampling technique. Primary data were collected using a five-point Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The results indicate that self-efficacy has a positive and significant effect on work readiness, with a path coefficient of 0.468, a T-statistic of 4.151, and a P-value of 0.000. Internship experience also has a positive and significant effect on work readiness, with a path coefficient of 0.465, a T-statistic of 3.891, and a P-value of 0.000. The R-square value of 0.743 indicates that self-efficacy and internship experience jointly explain 74.3% of the variance in work readiness, while the remaining 25.7% is explained by other factors outside the research model. These findings indicate that strengthening graduates’ confidence in their abilities and improving the quality of internship experiences can contribute to higher work readiness among vocational high school graduates.
The Influence of Accounting Training and Resources on SME Knowledge Aqila Putri Nailasari; Mahameru Rosy Rochmatullah
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.v6i2.1266

Abstract

Accounting knowledge among small and medium-sized enterprise (SME) proprietors is examined in this research through four explanatory dimensions: accounting training, resource availability, entrepreneurial experience, and accounting information utilization. Empirical evidence was gathered through a quantitative survey involving 140 SME proprietors in Kradenan District, Grobogan Regency, whose participation was determined through criterion-based purposive selection. Questionnaire responses were subsequently tabulated and subjected to statistical evaluation using SPSS to establish the explanatory relationships between the investigated constructs. The empirical outputs reveal that accounting training exerts a positive and statistically significant association with proprietors’ accounting knowledge. Comparable evidence emerges for resource availability, which contributes positively and significantly to accounting knowledge acquisition. Conversely, business experience fails to demonstrate a statistically discernible influence on this outcome. Accounting information utilization, however, exhibits a positive and significant relationship with the accounting knowledge possessed by SME proprietors. Furthermore, the coefficient of determination (R-square) reaches 0.807, signifying that the four explanatory variables collectively account for 80.7% of the observed variation in accounting knowledge, whereas the residual 19.3% is attributable to determinants beyond the analytical specification.

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