cover
Contact Name
Rojai Zhofir
Contact Email
rojaizho@gmail.com
Phone
+6285709037738
Journal Mail Official
sembjournal@gmail.com
Editorial Address
Jl. Jaya Wijaya, Dusun Besar Kota Bengkulu
Location
Kota bengkulu,
Bengkulu
INDONESIA
Sharia Economic and Management Business Journal (SEMBJ)
ISSN : 27742679     EISSN : 27742679     DOI : https://doi.org/10.62159/sembj.vxxx
SEMB-J, sharia economic and management business journal is peer-reviewed journal published by Yayasan Darussalam Bengkulu. SEMB-J focus on the research of sharia economic and management business. The aim of this journal is to explore and develop economic management related to islamic and business. The focus of this journal is an effort to publish scientific works related to thoughts or studies in the field of sharia accounting and banking as well as actualizing and adding to the treasures of a better understanding of sharia accounting and banking through publishing articles and research reports. SEMB-J Journal of Sharia Economic and Management Business accepts original works which are the results of research, including: Accountancy; Sharia Accounting; Banking; Sharia Banking; Sharia Banking Information Systems; Sharia Banking Audit; Sharia Banking; Management; Sharia Banking Liquidity Management; Sharia Banking Ethics; Marketing Management of Sharia Banking; Finance; Sharia Finance; Cash Waqf;
Articles 128 Documents
Understanding Career Commitment In Healthcare: Integrating Self-Efficacy, Motivation, And Employee Engagement Abdul Gofur Taufik; Mirwan Surya Perdhana; Fuad Mas’ud; Dili Puspa Sri Wahyuningsih; Adhyasti Rinenggautami
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2323

Abstract

Background: Healthcare organizations face growing challenges in maintaining employees’ long-term career commitment due to high job demands, emotional pressure, and workforce instability. Career commitment is essential for ensuring service quality and organizational sustainability in hospital settings. This study aims to examine the effects of self-efficacy and motivation on career commitment and to investigate the mediating role of employee engagement among healthcare professionals at Rodliyah Achid Islamic Hospital. Method: This study employed a quantitative research design using a census approach involving 86 healthcare employees at Rodliyah Achid Islamic Hospital in Indonesia. Data were collected through structured questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0 to evaluate the relationships among self-efficacy, motivation, employee engagement, and career commitment. Results: The findings reveal that self-efficacy and motivation have significant positive effects on career commitment. In addition, both variables significantly improve employee engagement, which subsequently has a positive impact on career commitment. The study also confirms that employee engagement partially mediates the relationships between self-efficacy and career commitment, as well as between motivation and career commitment. These results indicate that employees with greater confidence in their abilities and stronger work motivation tend to demonstrate higher career commitment through increased psychological engagement at work. Conclusion: This study contributes to the career commitment literature by providing empirical evidence from the healthcare sector that self-efficacy, motivation, and employee engagement are critical factors in strengthening long-term professional commitment. The findings highlight the importance of simultaneously enhancing employees’ psychological confidence, work motivation, and engagement to sustain career dedication and organizational stability in healthcare environments.
A Purchase Decision Behavior Model by Generation Z: The Mediating Role of Consumer Motivation Ajat Sudrajat; Danang Kusnanto; Liya Megawati; Nadya Millasyfa; Dinda Mardiah; Ayu Oktavianita
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2324

Abstract

Background: Given Generation Z’s significant dependence on e-commerce platforms, it is crucial to understand how they shop in the digital economy. However, limited studies have examined how affiliate marketing and advertising influence actual purchase decisions, particularly when mediated by consumer motivation. Method: A quantitative explanatory design was employed using a survey of 200 Generation Z respondents aged 18 to 26 who actively make online purchases. Data were collected through a structured questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. A bootstrapping approach was applied to test the mediation effect. Results: The findings indicate that advertising has a significant influence on consumers’ purchase decisions (β = 0.578, p < 0.05), whereas affiliate marketing does not. Both affiliate marketing and advertising positively influence consumer motivation; however, motivation does not significantly affect purchase decisions Conclusion: These findings advance motivation theory by highlighting the greater influence of external digital stimuli over intrinsic drivers in shaping Generation Z’s purchasing behavior. Practically, the study suggests that Indonesian e-commerce platforms, such as Shopee and Tokopedia, should prioritize interactive and storytelling-based advertising combined with urgency-driven strategies (e.g., flash sales and exclusive promotions) to enhance purchase effectiveness
The Influence of Job Satisfaction, Responsibility, and Employee Ability on Employee Performance at the Communication and Informatics Service of Batu Bara Regency Anshari Putra; Neneng Suryani
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2325

Abstract

Background: This study aims to determine the simultaneous and partial effects of job satisfaction, responsibility, and employee competence on the job performance of employees at the Batu Bara Regency Communication and Information Technology Office. Method: This study employed a quantitative descriptive approach. Data analysis was conducted using multiple linear regression analysis, and the sample consisted of 33 respondents selected through the saturation sampling method. Results: The regression equation obtained was Y = 1.526 + 0.161X1 + 0.649X2 + 0.244X3. The results of the F-test showed that job satisfaction, responsibility, and employee competence simultaneously affected work performance, as indicated by the calculated Fvalue (32.737) being greater than the critical Fvalue (2.93). The t-test results revealed that job satisfaction partially affected work performance with a calculated tvalue of 2.650 > 2.042, responsibility affected work performance with a calculated tvalue of 7.623 > 2.042, and employee competence affected work performance with a calculated tvalue of 2.496 > 2.042. Furthermore, the adjusted R² value was 0.748, indicating that job satisfaction, responsibility, and employee competence contributed 74.8% to work performance, while the remaining 25.2% was influenced by other variables outside this study. Conclusion: The study concludes that job satisfaction, responsibility, and employee competence have significant simultaneous and partial effects on employee work performance at the Batu Bara Regency Communication and Information Technology Office.
Integration of Artificial Intelligence and Human Communication in Managerial Decision Making Lilis Yuningsih; Dadang Hermawan; I Made Darsana
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2345

Abstract

Background: The development of digital transformation has encouraged modern organizations to utilize artificial intelligence to improve decision-making effectiveness. However, the implementation of AI in organizations still requires the support of human communication to ensure effective information interpretation, organizational coordination, and the quality of managerial decisions. This study aims to analyze the effect of the integration of artificial intelligence and organizational communication on managerial decision-making in hospitality companies in Java and Bali. Method: This study employed a quantitative approach with an explanatory research design. Data collection involved distributing questionnaires to 182 respondents, consisting of managers, supervisors, and professional staff in service, hospitality, education, and digital companies in Java and Bali. Data analysis used multiple linear regression with SPSS. Results: The results of the study indicate that Artificial Intelligence has a positive and significant effect on managerial decision-making with a significance value of 0.000 < 0.05. Human communication also has a positive and significant effect on managerial decision-making with a significance value of 0.001 < 0.05. Simultaneously, artificial intelligence and human communication have a significant effect on managerial decision-making with a coefficient of determination of 64.8%. The results of the study indicate that the integration of AI and human communication is the most appropriate approach in creating an effective decision-making system based on human-centered management in the era of digital transformation. Conclusion: This research provides theoretical contributions to the development of technology communication and digital management studies and provides practical implications for organizations in optimizing the use of AI by strengthening organizational communication.
Professional Zakat in Contemporary Fiqh Discourse: An Epistemological Analysis and the Perspective of Maqāṣid al Sharī'ah Muhammad Yusuf Siddik; Abdul Ghoni; Muhammad Sofwan Jauhari; Ahmad Muti
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2379

Abstract

Background: This article aims to analyze the epistemological construction of professional zakat in contemporary fiqh discourse, examine the argumentative basis of its arguments, and evaluate its relevance in the perspective of maqāṣid al-sharī'ah and modern economics as a response to global economic structural transformation dominated by the service and professional sectors. Method: The research uses a qualitative approach with a descriptive-comparative analysis method of contemporary scholars' views on professional zakat. The analysis was conducted through a study of naqlī arguments (the Qur'an and hadith), 'aqlī arguments (qiyas and istinbat), and the maqāṣidī approach. Primary data sources included classical and contemporary fiqh literature, fatwas from scholars, and empirical research on the implementation of professional zakat in various Muslim countries. Results: The study identified three epistemological groups of scholars: mūjibūn (obligatory), mujīzūn ghayr mūjibīn (permissible without being obligatory), and māni'ūn (prohibited). The mūjibūn group, represented by Qaradawi and Az-Zuhaili, builds its argument based on the generality of the text (QS. Al-Baqarah: 267, QS. At-Taubah: 103), qiyas (analogy) to agricultural zakat, and the principle of distributive justice. The potential for professional zakat reaches 51.2% of the total national zakat potential, but the realization is only 8.3%, indicating a significant gap. From the maqāṣid perspective, professional zakat has ḍarūriyyah urgency to realize wealth redistribution and socio-economic justice. Conclusion: The implementation of professional zakat requires a comprehensive framework that integrates sharia principles with modern economic realities, strengthens the governance of zakat institutions, standardizes calculation mechanisms, and harmonizes with the taxation system to optimize the potential of zakat as a sharia-based fiscal instrument in poverty alleviation and inclusive economic development
Balancing Pay and Life: How Compensation and Work-Life Balance Drive Employee Performance through Job Satisfaction Agung Sasmito Utomo; Mirwan Surya Perdhana; Khoiriyah Sari Pertiwi; Martinus Hendra Dewantara
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2447

Abstract

Background: Employee performance is essential for organizational success and can be influenced by compensation, work-life balance, and job satisfaction. Understanding the relationships among these factors is important for improving employee productivity and organizational outcomes. Method: This study involved 149 employees of CV. X as respondents. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS), including validity, reliability, and hypothesis testing. Results: The findings show that compensation, work-life balance, and job satisfaction have positive and significant effects on employee performance. In addition, job satisfaction significantly mediates the effects of compensation and work-life balance on employee performance. Conclusion: Compensation and work-life balance contribute to improved employee performance both directly and indirectly through job satisfaction. Enhancing employee satisfaction through fair compensation and a balanced work environment can help organizations achieve better performance outcomes.
Development of a Customer Satisfaction Model for Mobile Banking Usage through a Gender Moderation Approach at HIMBARA Banks in East Java Endie Rianto; Slamet Riyadi; Sri Utami Ady
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2456

Abstract

Mobile banking services have become the primary channel for banking transactions in Indonesia, with HIMBARA Bank active users reaching 79.75 million in 2024. However, customer satisfaction levels remain variable, and the role of gender as a moderating factor has not been extensively studied. Method: This study employs a quantitative approach using Structural Equation Modeling–Partial Least Squares (SEM-PLS) and Moderated Regression Analysis (MRA). Data were collected from 371 mobile banking users of HIMBARA Banks (Bank Mandiri, BRI, BNI, BTN) in five major cities in East Java. The independent variables consist of technology (X1), knowledge (X2), trust (X3), security (X4), and risk (X5), with usage decision (Z) as the intervening variable, gender (M) as the moderating variable, and customer satisfaction (Y) as the dependent variable. Results: Technology (β=0.175; p=0.001) and knowledge (β=0.231; p=0.000) had a significant positive effect on customer satisfaction. Risk had a negative yet non-significant effect on satisfaction (β=−0.029; p=0.599). Trust (β=0.047; p=0.405) and security (β=0.114; p=0.067) were not found to have a significant direct effect on satisfaction. The mobile banking usage decision was proven to mediate the effects of technology, trust, security, and risk on customer satisfaction. Gender did not significantly moderate the relationship between usage decision and satisfaction (β=0.020; p=0.597). The R² value of customer satisfaction was 0.513. Conclusion: The developed model confirms that technology and knowledge are the primary determinants of customer satisfaction among mobile banking users, while the usage decision plays an important role as a mediator. The key distinction from the original dissertation lies in the reduction of independent variables to five (removing rapid service and ease of use), yielding a more parsimonious model focused on intrinsic factors of digital banking technology adoption
The Maqashid Paradox: A Three-Pillar Gap Framework for Understanding Compliance and Social Impact in Indonesian Islamic Banking Khaidar Jamila; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2465

Abstract

Background: The rapid growth of Islamic banking in Indonesia has raised concerns about the gap between formal sharia compliance and the substantive realization of maqashid sharia objectives. Although Islamic banks demonstrate strong compliance performance, evidence indicates that this has not consistently translated into higher maqashid outcomes, raising questions about whether Islamic banking has fulfilled its substantive role in promoting social welfare, justice, and sustainable development. Method: This study employed a qualitative approach using a conceptual-descriptive research design based on a systematic literature review. Relevant studies published between 2017 and 2026 were collected from reputable academic databases including Scopus, Google Scholar, Emerald Insight, and ProQuest. A total of 45 articles were selected and analyzed through thematic synthesis to identify structural factors contributing to the compliance-maqashid gap. Results: The findings reveal three interconnected dimensions underlying the compliance-maqashid gap: regulatory, operational, and human resource factors. Regulatory frameworks remain focused on micro-level contractual compliance rather than substantive maqashid achievement. Operational practices replicate conventional banking models with financing portfolios heavily concentrated in murabahah contracts. Limited maqashid-oriented competencies among banking professionals hinder effective implementation of socio-economic objectives. These conditions collectively reinforce symbolic compliance and sustain a compliance-driven system with limited substantive impact. Conclusion: Achieving maqashid sharia requires a paradigm shift from compliance-oriented governance toward outcome-oriented Islamic banking practices. Strengthening maqashid-based regulations, diversifying financing structures, and enhancing human resource competencies are essential to bridge the gap between formal compliance and substantive maqashid achievement.

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