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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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The Influence of Occupational Health and Safety (OHS) Programs, Work Environment, and Workload on Employee Performance at PT. PLN (Persero) UIW Sulutenggo UP3 Gorontalo ULP Telaga Budiarta, Komang; Asi, Lisda L.; Rahman, Endi
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.v5i4.632

Abstract

This study aims to (1) determine the influence of occupational health and safety on employee performance at PT PLN (Persero) Sulutenggo Regional Main Unit (UIW) UP3 Gorontalo, ULP Telaga; (2) determine the influence of the work environment on employee performance; and (3) determine the influence of workload on employee performance. The study sample consisted of 112 respondents, and the analytical tool used was multiple linear regression. Furthermore, the study employed a descriptive quantitative method, collecting data both online through Google Forms and offline via questionnaires. The findings indicate that (1) partially, Occupational Health and Safety (OHS) program significantly influences employee performance, with a significance value of 0,000 < 0,05 and T count value > T table (5,011 > 0,676); (2) partially, work environment has a significant influence on employee performance, with a significance value of 0,000 < 0,05 and T count value > T table (3,615 > 0,676); (3) partially, workload has a significant influence on employee performance, with a significance value of 0,000 < 0,05 and T count value > T table (5,297 > 0,676); and (4) simultaneously, occupational health and safety, work environment, and workload have a positive and significant influence on employee performance, with a significance value of 0,000 < 0,05 and F count value > F table (16,536 > 2,69). The determination coefficient (R) is 0,661, indicating a moderate correlation, whereas the R-square value is 0,437, which indicates that 43,7% of employee performance is influenced by occupational health and safety programs, work environment, and workload, whereas the remaining 57,3% is influenced by other variables not examined in this study, such as compensation, motivation, leadership, training, and other factors that can be explored in future research.
The Effect of Financial Literacy and Financial Technology on the Sustainability of Micro and Small Enterprises in the Madura Region Through Financial Behavior as a Mediating Variable Ariyanti S, Ririn; Kurniawan, Moh. Zaki
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.v5i4.642

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a vital component of Indonesia's economic development. MSMEs not only drive economic growth but also absorb a large portion of the workforce. This study aims to examine the influence of Financial Literacy and Financial Technology on the sustainability of enterprises in the Madura region, with Financial Behavior as a mediating variable. MSMEs in Madura face challenges in financial management due to low Financial Literacy and limited access to Financial Technology, making business sustainability highly dependent on the Financial Behavior of entrepreneurs. This research employs a quantitative approach using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS), with data collected through purposive sampling from MSME actors in Madura. The results indicate that Financial Literacy and Financial Technology significantly affect Financial Behavior, which in turn has a positive impact on business sustainability. These findings suggest that improving literacy and utilizing Financial Technology are crucial for enhancing the Financial Behavior of MSME actors to support the sustainability of their businesses.
The Influence of Financial Technology and Financial Literacy on MSME Performance in the Madura Region with Financial Inclusion as a Mediating Variable Hasanah, Hasanah; Kurniawan, Moh. Zaki
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.v5i4.643

Abstract

This study investigates the influence of Financial Technology (FinTech) and Financial Literacy on Micro and Small Enterprise (MSE) Performance in Sampang Regency, Madura, with Financial Inclusion as a mediating variable. The research was conducted to address the limited understanding of how FinTech adoption and financial literacy interact to enhance MSME competitiveness in developing regions. Using a quantitative approach and survey method, data were collected from 99 respondents selected through purposive sampling among MSEs actively using digital financial services. Data analysis employed path analysis to examine direct and indirect relationships among Financial Technology (X1), Financial Literacy (X2), Financial Inclusion (Z), and MSME Performance (Y). The results revealed that FinTech does not have a significant positive effect on Financial Inclusion, while Financial Literacy significantly improves it. FinTech positively and significantly affects MSME Performance, whereas Financial Literacy does not. Furthermore, Financial Inclusion significantly influences MSME Performance but only mediates the relationship between Financial Literacy and Performance not between FinTech and Performance. These findings underscore the importance of improving financial literacy and optimizing FinTech utilization to strengthen MSME competitiveness and foster inclusive regional economic development.
Implementation of Integrated Marketing Communication in Enhancing the Competitiveness of the Cicil Emas Product Based on Maqashid Syariah at BSI KCP Medan AH. Nasution Putri, Kennadem Kurnia; Nasution, Muhammad Syukri Albani; Anggraini, Tuti
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.v5i4.646

Abstract

This study examines the implementation of Integrated Marketing Communication (IMC) in enhancing the competitiveness of the Cicil Emas (Gold Installment) product at Bank Syariah Indonesia (BSI) KCP Medan AH. Nasution, based on the values of maqashid syariah. Using a qualitative case study approach, data were collected through interviews, observations, and document analysis to explore how IMC strategies support the bank’s efforts in promoting sharia-based products. The findings indicate that IMC plays a strategic role in strengthening BSI’s market position through the integration of advertising, public relations, literacy education, and digital marketing. The study also reveals that aligning IMC with maqashid syariah, particularly hifz al-maal (protection of wealth) and al-‘adl (justice), helps ensure that every marketing message reflects ethical and spiritual values. Despite challenges such as fluctuating gold prices and limited public literacy, the synergy between IMC and maqashid principles has enhanced customer trust and increased product participation. This research emphasizes that sharia-based IMC is not merely a marketing tool but a means of Islamic economic da’wah, fostering sustainable competitiveness grounded in transparency, justice, and blessings.  
Strategies of Islamic Banks in Reducing Non-Performing Financing (NPF): A Case Study at BPRS Bangka Belitung Branch Hidayati, Nur
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.v5i4.652

Abstract

Problematic financing or Non-Performing Financing (NPF) is one of the main challenges faced by Islamic banking in maintaining financial stability and soundness. A high level of NPF can negatively affect profitability, liquidity, and customer trust in the bank. This study aims to analyze the strategies implemented by Islamic banks in reducing problematic financing. The research method used is descriptive qualitative with a case study approach at Bank Pembiayaan Rakyat Syariah (BPRS) Bangka Belitung. The results of the study indicate that the average Non-Performing Financing (NPF) ratio remains higher than the standard set by the Financial Services Authority (OJK), which is 5%, and the internal standard of BPRS Bangka Belitung, which is 7%. The strategies carried out by BPRS Bangka Belitung include direct collection, write-off for fully provisioned (100%) PPAP accounts, restructuring, collection through third parties, and simplified lawsuits through the religious court. These strategies have become key measures in reducing the NPF rate. To further optimize the results, it is necessary to strengthen preventive actions at the financing analysis stage through the 5C analysis (Character, Capacity, Capital, Collateral, and Condition) or more comprehensively with 7P analysis (Personality, Purpose, Prospect, Payment, Party, Profitability, and Protection). Strengthening these analytical processes can minimize the occurrence of problematic financing and enhance sustainable performance improvement.
The Influence of Personal Selling, Direct Selling, and Advertising on ASN Customers’ Decisions to Choose Multi-Purpose Motorcycle Financing Products at Bank Sumut Syariah KCP Rantau Prapat Putri, Melani Adila; Muhammad Syahbudi; Nurwani
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.v5i4.658

Abstract

The purpose of this study is to examine how advertising, direct sales, and personal sales influence the decisions of civil servants (ASN) in choosing multipurpose financing (PMG) options for motorcycles at Bank Sumut Syariah KCP Rantau Prapat. The methodology used is quantitative survey research using questionnaires as a research tool. The survey will be given to customers of Bank Sumut Syariah KCP Rantauprapats multifunctional motorcycle loan products. The sampling method used was incidental sampling and the following slovin formula, and data analysis was performed using SPSS version 25, which included multiple linear regression analysis. The study findings show that although direct sales and advertising have a significant positive impact on consumer decisions, personal sales have a positive but negligible impact. Together, these three variables contribute 64.1% to ASN customer decisions, while other factors outside the scope of this study influence 35.9%. The implications of this study highlight the importance of Islamic banks maximizing face-to-face promotion and innovative advertising to increase ASN interest and encourage more participatory assessment of personal marketing tactics. To obtain a more comprehensive picture, further research is recommended to examine additional elements, including service quality, trust, and Islamic financial knowledge.  
The Implementation of Word Square Media in Increasing the Learning Interest of Ninth Grade Students on the Topic of Digital Economic Development at MTsN 1 Jember Saputri, Dini Diah; Ulfa, Noviana Mariatul; Kurniawan, Moh. Usman
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.v5i4.620

Abstract

This study was conducted to address the low learning interest of ninth-grade students in digital economic development material at MTsN 1 Jember, where traditional lecture-based teaching methods limited engagement and participation. The research aimed to enhance students’ learning interest by applying the Word Square learning medium, which combines educational games with cognitive challenges to promote active and enjoyable learning. Using a qualitative Classroom Action Research (CAR) design following Kemmis and McTaggart’s model, the study was implemented in two cycles involving stages of planning, action, observation, and reflection. Data were collected through observation, interviews, and documentation, focusing on indicators such as attention, participation, and willingness to learn. The findings revealed a significant improvement in students’ learning interest from 49% in the first cycle to 87% in the second indicating that Word Square media effectively fostered enthusiasm, focus, and interaction during lessons. It is concluded that Word Square serves as an effective alternative learning strategy to increase students’ learning interest in digital economic topics and is recommended for broader application across other subjects.
Contribution of Profitability and Company Size to Company Value (A Study of Agricultural Sector Issuers Listed on the Indonesia Stock Exchange in 2019-2023) Amran, Nanda Pratiwi; Rasjid, Herlina; Selvi
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.v5i4.621

Abstract

This study was conducted to analyze the effect of profitability and company size on company value in the agricultural sector listed on the Indonesia Stock Exchange (IDX) for the 2019–2023 period. The background of this study is based on fluctuations in agricultural sector stock performance that reflect the dynamics of company value due to changes in profitability and company size. The purpose of this study is to determine the extent of the influence of profitability variables as measured by Net Profit Margin (NPM) and company size as measured by Ln total assets on company value proxied by Tobin's Q. This study uses a quantitative approach with secondary data obtained from the annual financial reports of 12 agricultural companies over five years of observation, with a total of 60 observation data. The analysis was carried out using multiple linear regression with the help of SPSS software version 22. The results show that profitability has a positive and significant effect on company value, while company size has a negative and significant effect on company value. Simultaneously, profitability and company size have a significant effect on company value. These findings indicate that increasing profits has an important role in building investor confidence, while the size of assets does not always reflect the efficiency of company management and performance. The resulting policy implication is the need for company management to focus on increasing profitability to strengthen the company's value in the capital market.
Implementing Conditional Cash Transfers: a Qualitative Analysis of Facilitators and Barriers Rosadi, M. Imron; Budi Helpiastuti, Selfi; Kuswandi, Aos
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.v5i4.629

Abstract

This paper analyzes the effectiveness of Indonesia’s conditional cash transfer flagship programme, the Family Hope Program (PKH), in local level implementation. By examining the Bantaran District in Probolinggo Regency, it examines how communication, resources, implementer attitudes, and bureaucratic formalism affect programme performance. A qualitative case study: in‐depth interviews with 17 purposively sampled informants, programme facilitators, community leaders, and beneficiary families. In addition, field observations were made and programme reports, as well as local rules, were analysed. The results also show a strong implementation gap: while the PKH is institutionally embedded, there are clear constraints to its transformative potential. Crucial bottlenecks include a lack of facilitator capacity, problems with the communication process that cause beneficiaries to misunderstand conditionality, and very instrumental (rather than substantive) beneficiary compliance. A highly centralized bureaucracy and ongoing targeting inaccuracies also undermine the programme's credibility. An innovation of the study is to combine several strands of evidence to examine CCT implementation at the sub-district level, suggesting that, as Edwards (1998) observed, his variables are interactive and ecosystemic in nature. It points to an “implementation paradox” in which operational viability reinforces marginal developmental effects. The study provides evidence-based recommendations for re-jigging implementation systems and an analytical lens suitable for other social protection programmes in developing countries.
The Influence of Market Orientation and Product Innovation on Marketing Performance Through Competitive Advantage as an Intervening Variable in the Snack Household Industry in Sukabumi Regency Gemina, Dwi; Palahudin; Mustika, Siti Juwita Nurastri
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.v5i4.634

Abstract

This study aims to analyze the influence of market orientation, product innovation on marketing performance through competitive advantage as an intervening variable in the snack household industry in Sukabumi Regency. This research method uses a quantitative approach with primary data obtained through a questionnaire with the Likert scale. The population in this study is snack business actors in Sukabumi Regency with sampling techniques using purposiv sampling. The number of samples used in this study was 250 business actors. Data analysis was carried out using the Statistical Product and Service Solution (SPSS) method. The results of the study show that market orientation and product innovation have a positive and significant effect on marketing performance, market orientation and product innovation have a positive and significant effect on marketing performance through competitive advantage.

Page 29 of 38 | Total Record : 377

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