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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 609 Documents
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The Impact of Glass Ceilings on Women's Digital Capability Micro-Enterprise Owners with Adaptability as a Moderation Selvy Noviniya; Anna Suzana
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.v6i2.990

Abstract

This study explores the phenomenon of invisible barriers or glass ceilings and their influence on strengthening digital capabilities among women running micro-enterprises in Cirebon Regency. Furthermore, this study also examines the position of adaptability as a moderating factor that strengthens this relationship. Through the lens of Dynamic Capabilities Theory, this research starts from the hypothesis that gender-based structural pressures can actually spur women entrepreneurs to be more agile in adopting digital technology for business sustainability. The research approach applied was quantitative, involving 168 female micro-enterprise owners in Cirebon Regency as a sample. All primary data collected through questionnaires were processed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) analysis techniques with the help of SmartPLS software. The analysis results found that the glass ceiling has a positive and significant contribution to increasing digital capability. This indicates that gender challenges often act as a catalyst for women entrepreneurs to deepen their mastery of technology. Furthermore, it was found that adaptability plays a crucial role in moderating and strengthening the correlation between the glass ceiling and digital capabilities. These findings recommend the need for strategic policies from local governments to provide digital assistance that focuses more on the resilience and adaptability aspects of women entrepreneurs.
The Effects of Work Fatigue and the Work Environment on Employee Performance in SMEs in Cirebon City Syahniar Diva Rosiyana; Noveria Susijawati
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.v6i2.1001

Abstract

This study examines the influence of job fatigue (burnout) and the work environment on employee performance in coffee shop SMEs in Cirebon City. The research was motivated by the rapid growth of SMEs and the importance of effective human resource management in businesses with high work intensity. An associative quantitative approach was applied using questionnaires distributed to 97 coffee shop employees selected through purposive sampling. The data were analyzed using multiple linear regression, validity and reliability tests, and classical assumption tests with SPSS version 26. The findings showed that all research instruments were valid and reliable. Regression analysis produced the equation Y = 42.649 + 0.029X1 + 0.486X2. Partial hypothesis testing revealed that job fatigue had no significant effect on employee performance, with a t-count of 0.534 and significance value of 0.594. In contrast, the work environment had a positive and significant influence on employee performance, with a t-count of 6.888 and significance value of 0.000. The adjusted R square value of 0.325 indicates that both variables explained 32.5% of employee performance variation. Overall, the work environment contributed more strongly to performance improvement than job fatigue. Therefore, SME managers should prioritize supportive workplace conditions to enhance employee productivity and organizational sustainability.
Unraveling Employee Performance: The Role of Human Resource Competency and Work Environment Through Job Satisfaction Biveny Dyahpalupi; Siwi Dyah Ratnasari
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.v6i2.1005

Abstract

Human resource performance in public sector auditing institutions is influenced not only by technical competence but also by organizational conditions that shape employee satisfaction and productivity. However, empirical evidence regarding how competence and work environment interact with job satisfaction to influence auditor performance in regional government institutions remains limited. This study aims to examine the direct and indirect effects of human resource competence and work environment on the performance of civil servant auditors, with job satisfaction acting as a mediating variable. This research employed a quantitative explanatory design. Data were collected from 41 civil servant auditors working at the Regional Inspectorate of Malang Regency through a structured questionnaire. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS version 4.0 to assess direct and mediating effects among the variables. The results indicate that human resource competence and work environment significantly influence job satisfaction. Human resource competence also demonstrates a significant positive effect on auditor performance. In contrast, the work environment does not show a direct significant relationship with performance. Mediation analysis reveals that job satisfaction significantly mediates the relationships between human resource competence and the work environment, on the one hand, and employee performance, on the other hand. These findings highlight the strategic role of competency development and job satisfaction in improving the performance of public sector auditors. Strengthening professional competencies, supported by a work environment that enhances job satisfaction, may serve as an effective organizational strategy to improve audit performance in government institutions. This study contributes to the literature on public sector human resource management by providing empirical evidence on the mediating role of job satisfaction in the relationship between competence, work environment, and auditor performance
Analysis of Consumer Satisfaction Toward the Quality of Moringa Leaf Noodles (Migreen) Product by PT Liefde Herb Nusantara Alda Bintang Alvanda; Rika Nalinda; Siwitri Munambar
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.v6i2.1010

Abstract

This study aimed to analyze consumer satisfaction toward the quality of Moringa leaf noodles (MiGreen) with Chicken Onion flavor produced by PT Liefde Herb Nusantara using the Importance Performance Analysis (IPA), Customer Satisfaction Index (CSI), and GAP Analysis methods. The research was conducted in the Special Region of Yogyakarta from November 2025 to April 2026 using a quantitative descriptive approach with an accidental sampling technique involving 50 respondents. The results showed that no attributes were included in Quadrant I, indicating that the attributes considered important by consumers generally demonstrated good performance. The Customer Satisfaction Index (CSI) value of 79.49% indicated that consumers were satisfied with the product, while the GAP Analysis showed a total GAP value of -2.78 and an average GAP value of -0.15. These results indicate that the product performance was slightly below consumer expectations; however, the gap was relatively small, meaning that the product was still well accepted by consumers. Therefore, the company needs to maintain product quality and continuously evaluate product attributes to improve consumer satisfaction.
Acceptance Analysis of AIRA Mobile Banking Application Using the Technology Acceptance Model (TAM) Prasetyo Indra Surono; Sri Wahyuni
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.v6i2.1013

Abstract

The primary objective of this research is to evaluate how users adopt the AIRA Mobile banking platform frameworked by the Technology Acceptance Model (TAM). Methodologically, an explanatory quantitative design integrated with a verificative approach was adopted. The population in this study comprises 7,134 users of AIRA Mobile banking at Nanobank Syariah Balikpapan Branch, based on data as of December 31, 2025. Purposive sampling was chosen as the sampling method. Data collection utilized a Google Form distributed via links through WhatsApp. To process the collected data, structural equation modeling via the Partial Least Squares (PLS) technique was executed through SmartPLS 3 software. The empirical findings reveal that Innovativeness significantly and positively drives both Perceived Usefulness and Perceived Ease of Use in the use of Aira Mobile. Furthermore, Perceived Ease of Use exerts a meaningful positive impact on Perceived Usefulness as well as Attitude Toward Using. The data also confirms that Perceived Usefulness substantially enhances Attitude Toward Using. Ultimately, both Perceived Usefulness and Attitude Toward Using are proven to have a significant positive bearing on consumers' Behavioral Intention to continue utilizing the application in the use of Aira Mobile.
The Role of Store Atmosphere and Price on Purchasing Decisions at MSME Cafes In Tebing Tinggi City as Supporters of a Sustainable Local Economy Sigit Arya Pranata; Hafizh Rabiula; Dedy Dwi Arseto; Willy Cahyadi
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.v6i2.1016

Abstract

This study aims to examine and analyze the influence of store atmosphere and price on purchasing decisions at MSME cafés in Tebing Tinggi City as a support for sustainable local economic development. This research employed a quantitative method. The study was conducted in Tebing Tinggi City from December 2025 to April 2026. The research population consisted of all consumers of MSME cafés in Tebing Tinggi City, whose total number was unknown. The sample size was determined using Cochran’s formula, resulting in 96 respondents selected through an accidental sampling technique. The study utilized primary data collected through questionnaire distribution. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS, including outer model testing, inner model testing, and hypothesis testing. The results indicate that store atmosphere has a positive and significant effect on purchasing decisions. Price also has a positive and significant effect on purchasing decisions. Simultaneously, store atmosphere and price have a positive and significant effect on purchasing decisions at MSME cafés in Tebing Tinggi City. These findings suggest that a comfortable café atmosphere and appropriate pricing can enhance consumers’ purchasing decisions.
The Effect of Workload and Work Stress on Quiet Quitting with Burnout as a Mediating Variable in Generation Z Employees Erika Fataa Cahyaningrum; Teguh Hardi Raharjo
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.v6i2.1033

Abstract

The phenomenon of Quiet Quitting is one of the issues that is getting more and more attention in the world of work because it shows the tendency of employees to limit work involvement only to tasks and responsibilities that have been set without making additional contributions beyond formal obligations. This phenomenon is widely associated with Generation Z who have a high concern for work-life balance and mental health. The focus of this study is to analyze the role of burnout in the relationship between workload, work stress, and Quiet Quitting in Generation Z employees. The collected data is then processed using the PLS-SEM technique with the help of SmartPLS. The findings indicate that work stress contributes significantly to increased burnout and quiet quitting, while workload was not found to have a significant influence on both constructs. Burnout has also been shown to have a positive effect on quiet quitting. The results of the mediation test showed that burnout did not mediate the effect of workload on quiet quitting, but mediated the effect of work stress on quiet quitting through a complementary mediation mechanism. This finding confirms that work stress is a more dominant factor than workload in explaining the emergence of burnout and Quiet Quitting in Generation Z employees. Therefore, organizations need to prioritize work stress management and burnout prevention to minimize the tendency of Quiet Quitting in the work environment.
The Effect of Work Stress and Readiness to Use E-BMD on the Performance of Asset Management Staff at the Regional Secretariat of Jombang Regency, With Organizational Commitment as an Intervening Variable Arista Nurul Cahyati; Choirul Nikmah
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.v6i2.1048

Abstract

The progress of modernization has influenced various aspects of human life, including the workplace. Through this progress, technological advancements and digitalization have taken shape and made daily activities more convenient. However, in government agencies in Indonesia, the implementation of digitalization remains suboptimal, even though it should be utilized to support the implementation of good governance. The E-BMD application serves as a digital innovation in asset management. This study aims to analyze the influence of work-related stress and readiness to use E-BMD on the performance of asset management staff at the Jombang Regional Secretariat, with organizational commitment as an intervening variable. This study employs a quantitative approach with an explanatory research design. Data were collected through the distribution of questionnaires to 50 asset management staff involved in the use of E-BMD. Data analysis was conducted using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) through outer and inner model testing to assess validity, reliability, and relationships among variables. The results indicate that readiness to use E-BMD has a positive and significant effect on employee performance and organizational commitment. Organizational commitment also has a positive and significant effect on employee performance. Conversely, job stress has a negative and significant effect on both organizational commitment and employee performance. Furthermore, organizational commitment was found to partially mediate the effects of job stress and readiness to use E-BMD on employee performance. These findings indicate that the success of E- BMD system implementation is not solely determined by technological readiness but is also influenced by employees’ levels of work-related stress and organizational commitment. Therefore, improved performance among asset management staff can be achieved by enhancing technological readiness, effectively managing work-related stress, and increasing organizational commitment.
The Effect of Internal Audit and Accounting Information System on Financial Management of Bumdes with Internal Control System as a Moderating Variable: An Empirical Study of Bumdes in Villages in Kabila District, Bone Sri Entin I. Lakoro; Usman; Ayu Rakhma Wuryandini
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 determine the effect of internal audit and accounting information systems on the financial management of Village-Owned Enterprises (BUMDes) with the internal control system as a moderating variable in BUMDes in Kabila Bone District, Bone Bolango Regency. This study uses a quantitative approach with primary data obtained through questionnaires. The population in this study were all BUMDes managers in Kabila Bone District consisting of commissioners, supervisors, directors, secretaries, and treasurers of BUMDes. The research sample consisted of 32 respondents determined using a purposive sampling technique. The data analysis technique used Partial Least Squares–Structural Equation Modeling (PLS-SEM) through the SmartPLS version 4 application. The results of the study indicate that internal audit has a positive and significant effect on BUMDes financial management. The accounting information system also has a positive and significant effect on BUMDes financial management. The internal control system is unable to moderate the effect of internal audit on BUMDes financial management, so it is categorized as homologizer moderation. Conversely, the internal control system significantly moderates the effect of the accounting information system on BUMDes financial management, thus representing pure moderation. The findings of this study indicate that the success of BUMDes financial management is influenced not only by internal audits and accounting information systems but also by the effectiveness of the internal control system in strengthening the implementation of the accounting information system.
The Impact of Imports, Exports, Domestic Investment (PMDN), Regional Investment (PMDA), the Human Development Index (HDI), and Labor Productivity on Economic Growth in Indonesia (2019–2023) Fasih Kalkun
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.v5i4.411

Abstract

Economic growth is one of the key indicators for measuring a country's development success. This study aims to examine the impact of imports, exports, Domestic Direct Investment (DDI), Foreign Direct Investment (FDI), the Human Development Index (HDI), and labor productivity on economic growth in Indonesia during the 2019–2023 period. The urgency of this research lies in providing a deeper understanding of the factors influencing economic growth to support the formulation of more precise and effective policies.  This study employs a quantitative approach using panel data analysis from 34 provinces in Indonesia. The secondary data collected is processed using Eviews 10 software to identify significant relationships between variables. The findings indicate that exports, imports, HDI, and FDI have a significant influence on economic growth. In contrast, DDI and labor productivity do not show a significant impact on Indonesia’s economic growth.  The results of this study are expected to serve as a reference for policymakers and academics in designing more sustainable economic development strategies based on factors that have been empirically proven to contribute to national economic growth. 

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