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Rojai Zhofir
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Sharia Economic and Management Business Journal (SEMBJ)
Published by Yayasan Darussalam Bengkulu
ISSN : 27742679     EISSN : 27742679     DOI : https://doi.org/10.62159/sembj.vxxx
Core Subject : Religion, Economy, Science, Education, Agriculture,
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other
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;
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 179 Documents
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Analysis of Interregional Development Disparities in Banten Province Putri Aqidatul Fadhilah; Dedi Budiman Hakim; Sugeng Budiharsono
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1958

Abstract

Background: Regional development disparities remain a persistent challenge in Indonesia's decentralization era. Banten Province, as one of the country's most industrialized regions, exhibits a dual economic structure where advanced industrial zones coexist with agrarian lagging areas. This study analyzes the level of economic development disparity among districts and cities in Banten Province during the 2015–2024 period. Method: This study employs a descriptive quantitative approach using secondary data from the Central Statistics Agency (BPS) of Banten Province. The data consist of Gross Regional Domestic Product (GRDP) per capita at constant prices and population figures for each of the eight regencies/cities in Banten Province from 2015 to 2024. The Williamson Index was calculated to measure the level of interregional development disparity. Results: The findings reveal that the level of development disparity in Banten Province is relatively high and stable throughout the observation period, with the Williamson Index ranging from 0.627 in 2017 and 2019 to 0.636 in 2024. Cilegon City is the largest contributor to regional disparities (Williamson Index 0.47–0.48), supported by its high GRDP per capita which increased from Rp145,551,706.92 in 2015 to Rp194,522,001.91 in 2024. Pandeglang and Lebak Regencies consistently exhibit the lowest per capita GRDP, indicating persistent economic lag. Tangerang City and South Tangerang City recorded the lowest index values (0.02–0.10). Conclusion: The persistent high disparity reflects a structural concentration of economic activity in northern Banten. From an Islamic economic perspective, this condition contradicts the principles of al-'adalah (distributive justice) and falah (holistic well-being). Policy recommendations include fiscal redistribution, infrastructure investment in lagging regions, and optimization of Islamic social finance instruments (zakat, waqf) to promote inclusive growth.
The Effect Of Financial Literacy and Digital Financial Inclusion on Business Sustainability in the MSMEs Agribusiness Sector with Financial Performance as an Intervening Variable Pasmai Denta; Muhamad Mustopa Romdhon; Nurna Aziza
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1977

Abstract

Background: Downstream agribusiness MSMEs play a crucial role in generating added value for agricultural products and improving regional economic development. However, these businesses face significant challenges in financial management and the utilization of digital financial technology, which can threaten their long-term sustainability. This study examines the effect of financial literacy and digital financial inclusion on business sustainability in the downstream agribusiness sector, with financial performance as an intervening variable. Method: This research employs a quantitative approach using a survey method targeting business actors in the downstream agribusiness sector in Bengkulu City. A sample of 100 respondents was selected using purposive sampling, with criteria of at least two years of business operation, direct involvement in financial management, and utilization of digital financial services such as QRIS. Data were analyzed using SEM-PLS with SmartPLS software. Results: The findings reveal that digital financial inclusion has a positive effect on financial performance and business sustainability, both directly and through financial performance mediation. Financial performance positively influences business sustainability. Financial literacy positively affects financial performance but does not directly influence business sustainability, nor does financial performance mediate the relationship between financial literacy and business sustainability. Conclusion: Digital financial inclusion plays a stronger role in improving financial performance and business sustainability compared to financial literacy alone. Strengthening the digital financial ecosystem and integrating financial literacy with practical financial management training are essential strategies for enhancing MSME sustainability in the downstream agribusiness sector.
The Mediating Role of Work Environment in the Relationship between Visionary Leadership and Employee Performance: Evidence from Public Health Offices in West Java, Indonesia Abdulah Mubarok Dadang; Imas Purnamasari; Disman Disman; Janah Sojanah
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2039

Abstract

Background: Digital transformation in Indonesian public health governance has placed new demands on employee performance at District/City Health Offices. Despite growing evidence on leadership-performance linkages, the specific mechanism through which visionary leadership shapes employee performance via work environment in Indonesian public health organizations remains empirically underexplored. This study investigates the mediating role of work environment in the relationship between visionary leadership and employee performance. Method: This quantitative cross-sectional study surveyed 180 Standard Minimum Service program managers across 27 District/City Health Offices in West Java Province using proportionate stratified random sampling. Data were collected through structured questionnaires and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 3.0, testing three hypotheses regarding visionary leadership, work environment, and employee performance relationships. Results: All three hypotheses were supported. Visionary leadership demonstrated a very strong direct effect on work environment (β=0.916, t=43.512, p=0.000), and work environment significantly influenced employee performance (β=0.439, t=2.854, p=0.016). The indirect mediation path was significant (β=0.402, t=2.798, p=0.005), confirming full mediation. The direct effect of visionary leadership on performance was not significant (β=0.183, p=0.239), establishing that work environment is the necessary conduit for leadership's performance impact. Conclusion: Visionary leadership increases employee performance exclusively through the creation of a conducive work environment, not through direct supervision. Health office leaders should prioritize investments in technology infrastructure, collaborative organizational climate, and supervisor support systems. These findings align with Islamic management principles of amanah (trustworthiness), tabligh (communicative vision), and ta'awun (mutual cooperation).
Investor Attention, Market Anomalies, and Listing Board Effects: Evidence from Indonesian Technology Stocks Heraeni Tanuatmodjo; Vena Melliyani; Yusuf Murtadlo; Imas Purnamasari
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2055

Abstract

Background: The persistent underperformance of Indonesian technology stocks between 2022–2024, marked by the dominance of negative abnormal returns, raises a compelling question about behavioral forces shaping price dynamics that deviate from fundamental values. This study examines the effect of digital investor attention on stock returns with the stock listing board as a moderating variable among technology-sector companies listed on the Indonesia Stock Exchange over 2020–2025. Method: Using purposive sampling, 29 technology firms were selected from 47 listed companies, yielding an unbalanced panel of 1,218 monthly observations. Investor attention was measured via the Search Volume Index (SVI) from Google Trends, while stock return was proxied by abnormal return computed using the Capital Asset Pricing Model. Moderated Regression Analysis was conducted using PROCESS Macro Hayes Model 1 in IBM SPSS Statistics 27. Results: Digital investor attention positively and significantly affects stock returns (β = 0.9610; t = 5.797; p < 0.05). The listing board does not independently affect returns but significantly weakens the investor attention–return relationship (β = −0.2326; t = −4.014; p < 0.05), with the strongest moderation on the Development Board (R² = 9.4%). Conclusion: These findings demonstrate that a stock exchange's board classification architecture shapes the degree to which attention-driven anomalies translate into abnormal returns. This study contributes novel empirical evidence on listing board classification as a moderating variable in the behavioral finance literature.
Digital Payment Integration and Financial Control in Large Educational Institutions: A Qualitative Case Study of an Islamic Boarding School Ecosystem M. Sholihun; Mochamad Sirojuddin; Sri Mulyani; Mohammad Yusuf Wijaya; Ismailova Zukhra Karabaevna
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2132

Abstract

Background: The financial management of large educational institutions often faces challenges related to payment accuracy, data reconciliation, and administrative efficiency, particularly when transactions are conducted manually or through semi-digital systems. This study examines the transformation of financial management through the implementation of an integrated digital payment system in a large Islamic boarding school ecosystem serving approximately 11,000 students across multiple educational units. Method: Using a qualitative case study approach, data were collected through in-depth interviews with financial administrators, information technology staff, and customer service personnel, as well as through document analysis and process observation. The findings reveal that the adoption of an integrated digital payment application significantly improves transaction accuracy, financial recording reliability, and billing transparency by eliminating manual confirmation and reducing human error. Moreover, the establishment of dedicated customer service teams at each educational unit plays a critical role in facilitating digital payment adoption, particularly in addressing limitations related to banking access and digital literacy among students’ guardians. Results: This study contributes to the financial management and digital finance literature by highlighting the importance of organizational support mechanisms in ensuring the effectiveness of digital payment systems within large, non-profit educational institutions. The findings offer practical insights for policymakers and educational managers seeking to enhance financial control and accountability through digital transformation. Conclusion: The study reveals that technological integration alone is insufficient to ensure effective financial transformation. Organizational support mechanisms particularly dedicated customer service units played a critical role in facilitating system adoption and sustaining daily financial operations.
The Influence of Competence, Training, and Emotional Intelligence on Performance: Mediation of Productivity at Dinas Tenaga Kerja and Transmigrasi off Bantul Regency Muhammad Fatkhurohman Albashori; Sri Wahyuning; Himawan Agung Nugroho; Muhammad Nasrip
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2159

Abstract

Background: Employee performance is a critical determinant of organizational success, influenced by various factors including competence, training, and emotional intelligence. However, the mechanisms through which these factors affect performance, particularly the mediating role of productivity, remain underexplored in the context of Indonesian government institutions. This study examines the influences of competency, training, and emotional intelligence on employee performance with productivity as a mediating variable at Dinas Tenaga Kerja dan Transmigrasi Kabupaten Bantul. Method: This quantitative study employed a causal associative design with a survey approach. Data were collected from 50 respondents selected using purposive sampling. The analysis utilized path analysis with SmartPLS 3 software to examine both direct and indirect effects among the variables. Results: The findings demonstrate that competency, training, and emotional intelligence each have significant positive effects on both employee productivity and performance. Competency showed the strongest direct effect on productivity (β = 0.45), followed by emotional intelligence (β = 0.40) and training (β = 0.37). Productivity significantly influences performance (β = 0.50). Furthermore, productivity partially mediates the relationships between competency, training, and emotional intelligence on performance, with indirect effects of 0.225, 0.185, and 0.200 respectively. Conclusion: Enhancing employee performance requires a comprehensive approach that develops competencies, provides relevant training, and fosters emotional intelligence, all of which work through productivity improvements. Organizations should prioritize competency development programs, quality training initiatives, and emotional intelligence training to maximize employee performance outcomes.
Blockchain Technology Integration in Halal Supply Chain Management: Examining Trust and Transparency Mechanisms through Institutional Theory Perspective in North Sulawesi Noho Ulidam; Nur Fitry Latief
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2177

Abstract

Background: The halal industry in Indonesia continues to expand, yet supply chain integrity faces critical challenges related to trust, transparency, and verification of Islamic compliance throughout complex distribution networks. Objective: This study examines how blockchain technology can address institutional trust deficits and transparency gaps in halal supply chain management (HSCM) within the North Sulawesi context, grounded in Institutional Theory. Methods: Employing a mixed-methods approach combining quantitative structural equation modeling (SEM-PLS) with 287 respondents from halal-certified enterprises, logistics operators, and certification bodies, alongside qualitative interviews with 24 key informants, this study tests a conceptual framework integrating blockchain's coercive, mimetic, and normative isomorphism mechanisms on supply chain trust and transparency outcomes. Results: Findings demonstrate that blockchain adoption significantly enhances supply chain transparency (β=0.671, p<0.001) and institutional trust (β=0.589, p<0.001), with normative isomorphism emerging as the strongest isomorphic pressure (β=0.542). Smart contract deployment reduced halal verification time by an average of 67% compared to conventional processes. Digital traceability systems improved consumer confidence scores by 43.2%. Conclusion: The study proposes a Blockchain-Enabled Halal Institutional Trust (BEHIT) framework as a novel theoretical contribution, demonstrating that technology-mediated transparency mechanisms function as institutional bridges between religious governance requirements and modern supply chain operations. Practical implications extend to BAZNAS zakat institutions, Islamic banking compliance, and regional halal ecosystem development in Eastern Indonesia.
User Satisfaction Classification of Tiktok Shop Skincare Products Using C4.5 and Random Forest for Recommendation Strategy Nursalim Nursalim; Muhamad Ziaul Haq; A. Nurul Hidayat; Budi Mulyono
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2234

Abstract

Background: TikTok Shop has become an important social commerce platform for skincare purchases; however, product recommendations are not always perceived as relevant by users. A data-driven satisfaction classification model is therefore needed to support more targeted recommendation strategies. Method: This study used a quantitative approach involving 150 TikTok Shop users who had purchased skincare products. Data were collected through an online questionnaire containing 14 Likert-scale items and three recommendation-preference items. Instrument quality was evaluated using corrected item-total correlation and Cronbach Alpha. The C4.5 decision tree and Random Forest models were evaluated using stratified 10-fold cross-validation. Results: All 14 items were valid, with item-total correlations ranging from 0.619 to 0.881, and the overall Cronbach Alpha was 0.969. The satisfaction classes were balanced, consisting of 75 satisfied and 75 unsatisfied respondents. Information gain analysis identified product delivery as the most influential attribute, with a gain value of 0.4551. C4.5 achieved 85.33% accuracy, while Random Forest achieved 83.33% accuracy. Conclusion: C4.5 provided competitive performance and stronger interpretability than Random Forest for this dataset. The resulting classification rules can be used to prioritize delivery reliability, application usability, and product quality in skincare recommendation strategies.
Adoption of Digital Micro Wakaf Bank by Ultra-Micro and Micro Businesses in Indonesia Dewi sartika Nasution; Intan Kusuma Pratiwi; Dahruji
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2237

Abstract

Background: Micro, small, and medium enterprises (MSMEs) are the backbone of the economy of Indonesia. Despite that fact, ultra-micro and micro entrepreneurs still face several constraints. Micro Waqf Bank (MWB) is one solution that utilizes Islamic social funds. This solution develops digital financial services to expand access to financing, efficiency of services, and business development. The limited study of ultra-micro and micro-entrepreneurs’ adoption of MWB’s digitalization makes this research important. Method: This research uses a mixed-methods approach, combining quantitative and qualitative methods. In this research, a sequential/stepwise mixed-methods strategy was used, with a sequential exploratory design. The analysis technique used in this research is a qualitative descriptive analysis technique, or what is usually called explanation making, namely, by using data analysis methods and describing the results of interview observations to find out in depth about the adoption of digital MWBs in the 5 MWBs. The quantitative method data analysis technique used by researchers uses the Partial Least Squares (PLS) method with SmartPLS software. Results: The research results show that there are several obstacles that prevent the use of the MWB mobile from being used comprehensively. However, the intention of ultramicro and micro business actors who are BMW customers to use and adopt the BMW application or other digital BMWs as a means of payment transactions and personal and business development for business actors is quite good. Conclusion: This study shows that the use of mobile MWB has not yet reached its full potential due to various challenges in its implementation and adoption. However, ultra-micro and micro business owners as MWB customers demonstrate a strong interest in using MWB’s digital services for transactions, business development, and capacity building. These findings highlight the importance of enhancing usability, aligning with the needs of MSMEs, and ensuring transaction security to increase the adoption of MWB’s digital services.
The Impact of Service Quality and Sharia Governance on Cooperative Members’ Loyalty of Post Conversion as Mediated by Brand Image Ridwan Nurdin; Muhammad Haris Riyaldi; Sakinatul Raadiyah Abdullah; Khairil Umuri
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2239

Abstract

Background: The growth of sharia cooperatives in Aceh following the implementation of Qanun No. 11/2018 Aceh has intensified competition and highlighted the importance of maintaining member loyalty. Factors such as service quality, sharia governance, and institutional image are crucial in influencing satisfaction and sustaining cooperative member loyalty. Method: This study utilized primary data by distributing questionnaires to 113 respondents through cluster sampling, namely sharia cooperatives located in the West, East, and Central Aceh regions. We tested the seven proposed hypotheses using the Structural Equation Modeling (SEM) technique. Results: The findings of this study indicate that service quality and sharia governance have an effect on the institution's ideals. Likewise, service quality has an effect on member loyalty. However, sharia governance and brand image do not have an effect on member loyalty. The indirect effect also reveals that the brand image cannot influence service quality or sharia governance's effect on member loyalty. The study investigates the mediated effect of sharia governance and service quality on member loyalty. Conclusion: This empirical evidence demonstrates that sharia cooperatives need to improve the quality of their services in order to preserve member loyalty

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