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Majapahit Journal of Islamic Finance dan Management
Published by Institut Pesantren 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) is a journal published by Department of Sharia Economics Universitas KH. Abdul Chalim Mojokerto Indonesia twice a year (June and December). The focus and scope have been adjusted to meet the high standards and wide coverage typical of Scopus-indexed publications. The journal accepts submissions in the specified areas: 1. Sharia-compliant banking 2. Management in Islamic context 3. Islamic Business 4. Islamic Accounting 5. Islamic Finance 6. Islamic Marketing Management 7. Human Resources Management 8. E-commerce Business innovation Authors are urged to submit top-notch research and scholarly publications within these clearly outlined domains. The publication is dedicated to improving knowledge in Islamic finance and management while adhering to strict guidelines.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 377 Documents
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Analysis of the Relationship between Fintech and Financing on MSME Performance Kadir, Almiranda; Adam, Echan; Moonti, Agustinus
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.v5i4.559

Abstract

Modern trade currently encourages countries to continuously innovate to advance the economy, one of which is through strengthening the Micro, Small, and Medium Enterprises (MSMEs) sector. In facing these changing times, MSMEs are required to adapt to technological advances, particularly in the field of digital finance or financial technology (fintech). The use of fintech facilitates transaction processes and access to financing, which is expected to improve MSME performance. However, the use of fintech must be accompanied by adequate understanding and education for MSMEs. This study aims to analyze the influence of fintech and financing on MSME performance. The research used an explanatory approach with a quantitative approach using primary data. The results indicate that the use of fintech significantly influences financing, fintech directly influences MSME performance, and financing significantly influences MSME performance. Therefore, an active role is needed from local governments in providing accessible access to fintech services, affordable financing facilities, and entrepreneurship training to improve the competency of MSMEs in facing competition in the digital era.
The Effect of Leadership Style and Compensation on Teacher Performance Moderated by Organizational Culture at the Aresha Indonesia Center Foundation Diyah Kusumastuti; Priyastiwi, Priyastiwi
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.v5i4.606

Abstract

This study is motivated by the importance of improving teacher performance as a key factor in achieving educational goals, where leadership style, compensation, and organizational culture are assumed to play significant roles. The purpose of this research is to analyze the influence of leadership style and compensation on teacher performance and to examine the role of organizational culture as a moderating variable at the Aresha Indonesia Center Foundation. The study employed a quantitative approach with a survey method involving 40 teachers as the sample, using a Likert-scale questionnaire, and the data were analyzed through Structural Equation Modeling (SEM) with Partial Least Squares (PLS) using SmartPLS. The findings indicate that both leadership style and compensation have a positive and significant effect on teacher performance. Furthermore, organizational culture was found to moderate the effect of leadership style on performance, but did not moderate the effect of compensation. The synthesis highlights that teacher performance can be improved through strengthening visionary, motivational, and supportive leadership, optimizing fair and relevant compensation systems, and fostering a conducive organizational culture. The policy implications suggest the need for leadership development programs, periodic evaluation of compensation policies, and alignment of reward systems with organizational values ​​to create a harmonious and productive work environment that supports the achievement of educational objectives.
The The Effect of Training Effectiveness on Employee Performance with Motivation as a Mediator at the State Assets and Auction Services Office (KPKNL) in Medan Parsan, Parsan; Meutia, Meutia; Soesanta, Prabawa Eka
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.v5i4.611

Abstract

This study aims to analyze the effect of training effectiveness on employee performance with motivation as a mediating variable. The research method employs a quantitative approach, utilizing the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique. Data were obtained by distributing questionnaires to all 44 employees of KPKNL Medan and analyzed using SmartPLS with bootstrapping tests. The results showed that training effectiveness, as measured by the Kirkpatrick Model, had a positive and significant effect on employee performance (b = 0.356; p < 0.001) and on motivation based on Self-Determination Theory (b = 0.843; p < 0.000). Motivation was also shown to have a significant effect on performance (b =0.613; p<0.000) and mediated the relationship between training effectiveness and performance with a greater indirect effect (b =0.517) than the direct effect. These findings confirm that motivation is an important mechanism that explains how effective training can have a real impact on performance improvement. This research provides theoretical contributions by integrating the Kirkpatrick model and Self-Determination Theory, as well as practical implications for management at KPKNL Medan in designing training programs that not only improve technical competence but also increase employee work motivation.
Product Excellence in Islamic Financing at Bank Pembiayaan ‎Rakyat Syariah (BPRS) Al-Washliyah Medan Sabila, Sarah; Syahriza, Rahmi; Harianto, Budi
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.v5i4.619

Abstract

The growth of Islamic banking in Indonesia has encouraged the emergence of various ‎financing products with competitive advantages compared to conventional banking. ‎One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, ‎which offers a wide range of products based on Islamic contractual principles (akad ‎syariah). This research stems from the need to understand the distinctive advantages of ‎Islamic financing products offered by the bank and to assess the factors influencing ‎customers’ preferences for specific products. The study employs a qualitative method ‎with a field research approach. Primary data were obtained through interviews with ‎BPRS Al-Washliyah Medan employees, while secondary data were collected from ‎supporting documents and relevant literature. The aim of this study is to analyze the ‎strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly ‎those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, ‎salam, and istisna—and to explore the factors shaping customer preferences for these ‎products. The findings reveal that murabahah is the most preferred product due to its ‎installment certainty and simple procedures, while other products such as mudharabah ‎and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual ‎value grounded in Islamic principles have been proven to enhance customer trust. The ‎contribution of this research lies in providing insights for Islamic banking practitioners ‎in developing product strategies and serving as an academic reference to strengthen ‎the literature on customer preferences for Islamic financing products at the local level.‎
The Effect of the Consumer Price Index and GDP on BPRS Assets in Indonesia Monika, Sherli; Harahap, Muhammad Ikhsan; Inayah, Nurul
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.v5i4.625

Abstract

This study aims to analyze the influence of the Consumer Price Index (CPI) and Gross Domestic Product (GDP) on the assets of Islamic Rural Banks (BPRS) in Indonesia during the 2019–2023 period. Using secondary data obtained from official publications of the Central Statistics Agency (BPS) and the Financial Services Authority (OJK), this research employs a quantitative approach with a causal associative design. After conducting classical assumption tests to confirm the model’s validity, the analysis was performed using multiple linear regression through the EViews 12 software. The research findings indicate that there are no signs of autocorrelation, heteroscedasticity, or multicollinearity, and that the regression model used meets the requirements of normally distributed data. The partial test results (t-test) reveal that the assets of BPRS are not significantly affected by the Consumer Price Index (CPI), but are significantly influenced by the Gross Domestic Product (GDP). The simultaneous test results (F-test) also demonstrate that BPRS assets are significantly affected by both variables simultaneously. These two variables account for 44.03% of the variation in BPRS assets, as indicated by the Adjusted R-Square value of 0.440347; the remaining portion is influenced by factors not included in this research model.
Factors Affecting the Perceptions of Employees and Tribe Fit Members Medan Regarding Transactions at Bank Syariah Indonesia Hotmaida, Hotmaida; Syakir, Ahmad; Yanti, Nursantri
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.v5i4.626

Abstract

The purpose of this study is to determine the effect of transaction services and usage on the perceptions of employees and Tribe Fit members at Bank Syariah Indonesia in Medan. The subjects of this study were employees and Tribe Fit members consisting of customer service staff, cleaning service staff, technical staff, and members totaling 100 people, of which 36 respondents were tested using the probability sampling method. The results of primary data processing using regression analysis show that there is a significant and positive relationship between the variables of service and usage on the perceptions of employees and members regarding Bank Syariah Indonesia transactions in Medan. Of the three independent variables, it appears that the service variable is the main variable that contributes the most to the perceptions of employees and members regarding Bank Syariah Indonesia transactions in Medan.
Manifestation of the Assael Model on Consumer Purchase Decisions with Modern Life Style as an Intervening Variable on Three International Fast-Food Brands in Soloraya Kusuma, Sofia Anida; Nasir, Moechammad
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.v5i4.627

Abstract

This study aims to analyze and discuss the significant influence of brand awareness, brand association, and brand assets on lifestyle; the significant influence of brand awareness, brand association, and brand assets on brand loyalty; and the significant influence of brand awareness, brand association, and brand assets on brand loyalty mediated by lifestyle. The population in this study consists of all customers who have purchased international products, namely KFC and McDonald’s, as well as national products, namely Restoran Taman Sari and Dapur Solo in Surakarta, with a sample of 200 respondents. Data were collected through the distribution of questionnaires. The sampling technique used in this research was non-probability sampling with a purposive sampling method. Data analysis was conducted using Smart PLS 3, which included the outer model tests comprising convergent validity, discriminant validity, composite reliability, Cronbach’s alpha, and multicollinearity tests and the inner model tests comprising coefficient of determination, goodness of fit, effect size (f²) test, and hypothesis testing. The results of this study indicate that brand loyalty toward fast-food restaurants in Surakarta is significantly influenced by brand awareness, brand association, and brand assets, with lifestyle serving as a moderating variable that strengthens this relationship. These findings support the idea that shifts in contemporary lifestyles have an increasing impact on fast food consumption patterns. Practically, the results provide insights for fast-food restaurant operators on how to better tailor their marketing strategies to align with the lifestyle patterns of consumers.
The Role of Wakalah Contract Implementation in Increasing Interest in Becoming A Reseller Fatchur Roziq, Mohammad; Sundari, Sundari; Zuana, Muhammad Mujtaba Mitra
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i1.20

Abstract

Online stores provide offers and convenience in doing business in the current era, starting from offering initial capital, and shipping goods to storage/warehouses. The rapid development of information technology has had an impact on the large growth of online stores, one of which is fashion resellers from children, teenagers to adults. Fayana is an online store that implements a reseller recruitment program to market its products using the Wakalah Agreement, As-Salam Contract, Wa’ad Contract, and Istishna. This study aims to analyze the role of implementing wakalah contracts in increasing interest in becoming a reseller at the Fayana Collection Store Surabaya. The research uses a qualitative approach. The results of this study showed that the implementation of the Wakalah Agreement played a role in increasing the interest of resellers to join Fayana Stores, in addition to one of the advantages of this store there was also an increase in the discount rate from 5% to 20%.
Implementation of Financing Risk Management in Mudharabah Financing at Bank Mega Syariah Surabaya Alfarasi, Kelvin Ridho; Adam, Salsadila Aryanti; Widhian Murti, Fianelin; Al Natzir, Qasiratuttarfiin
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i1.24

Abstract

Financing is one of the products owned by Islamic financial institutions which can help economic growth, the greater the financing provided, the greater the risks involved. Risks that must be considered are financing risks, risks that cannot be handled seriously, and the need for good and appropriate financing risk management to minimize the occurrence of risks that will arise from various activities within Islamic financial institutions. The purpose of this observation is to determine the application of financing risk management in mudharabah financing at Bank Mega Syariah Surabaya. This data collection technique was carried out by interview observation and further analysis then conclusions were drawn. The results of this observation indicate that the Implementation of Risk Management in mudharabah financing at Bank Mega Syariah Surabaya uses 4 stages, namely risk identification, risk measurement, risk monitoring, and risk control. In the risk management process, the risk identification stage in the mudharabah financing process uses the 5C principles which include character, capacity, capital, collateral, and conditions.
The Role of Muslim Entrepreneurs in Increasing the Welfare of the Sidoarjo Society Hajar, Siti; Fauziah, Nur Dinah; A'yuni, Diah Syifaul
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i1.28

Abstract

Ngingas Village is one of the villages that has a metal industrial center and is commonly referred to as a metal village. Ngingas Village itself is located in Waru District, Sidoarjo Regency, East Java Province. This village is neighboring Pandean Village which was formerly the originator of the metal industry. Ngingas became lively because metal production was varied and more in demand. Indeed, the Pandean area itself is a well-known metal-producing productive area in Sidoarjo. Even at a glance, people will not know that Pandean Village and Ngingas Village have the same special industrial center. Ngingas Village is a small, densely populated village whose majority of the population embraces Islam and has the same livelihood, namely working in the home metal industry, so it needs to be explored more deeply, which is research whose data is obtained from the actual location. While the method used is descriptive qualitative, namely the data obtained are presented in the form of interviews, documentation, and triangulation and then described so as to provide clarity.

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