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Mohamad Toha
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Danadyaksa: Post Modern Economy Journal
Published by Yayasan Pendidikan Islam Bustanul Ulum Mojokerto
ISSN : -     EISSN : 30258545     DOI : https://dx.doi.org/10.69965/DPMEJ
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Danadyaksa: Post Modern Economy Journal is an open-access, peer-reviewed journal whose objective is to publish original research papers related to the economy, Sharia economy, and business issues. This journal is also dedicated to disseminating the published articles freely for international academicians, researchers, practitioners, regulators, and public societies. The journal welcomes authors from any institutional background and accepts rigorous empirical or theoretical research papers with any methods or approach that is relevant to the Economy, Sharia Economy, and Business Issues content, as long as the research fits one of four salient disciplines: Economy, Sharia Economy, Business, and Accounting. Economics: Development Economics, Public Economics, International Economics, Monetary Economics, Microeconomics, Macroeconomics, Econometrics. Sharia Economics: Sharia Business and Management, Sharia Finance, Sharia Accounting, Sharia Social Finance. Business & Management: Human Resource Management, Strategic Management, Marketing Management, Financial Management, Operations and Knowledge Management, Entrepreneurship, Business Ethics and Sustainability. Accounting: Financial Accounting, Public Sector Accounting, Management Accounting, Accounting Information System, Auditing, Corporate Governance, Sustainability Accounting, Education Accounting.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 44 Documents
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The Influence of Service Quality, Promotions, and Ease of Use of BSI Mobile on the Interest of Generation Z Students at The Faculty of Sharia IKHAC Mojokerto Alamsyah, Lutvi; Safitri, Firdana
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.27

Abstract

Sharia mobile banking is one of the banking services offered through digital technology. because m-banking services can always meet all the needs of society in today's digital era Prioritizing mobility, mobile banking can be said to be developing the fastest. The formulation of the problem in this research is whether there is an influence of service quality, promotions, and ease of use on the Interest of Generation Z Sharia students 2020-2021 Islamic Boarding School Institute KH. Abdul Chalim (IKHAC) Mojokerto using payment mobile banking in Sharia banking. This research aims to determine the influence of service quality on the interest of Generation Z students at the Sharia Faculty, KH Islamic Boarding School Institute. Abdul Chalim Mojokerto using BSI mobile. This type of research is quantitative with a sample of 69 respondents using SPSS version 22, based on the results of research and tests carried out, it shows partially service quality, promotions, and ease of use influence the interest of Generation Z students at the Institute's sharia faculty KH Islamic Boarding School. Abdul Chalim Mojokerto. Meanwhile, it is simultaneously variable service quality, promotions, and ease of use influence interest.
The Role of Bank Muamalat Indonesia KCP Kepanjen in Determining Customer Decisions Using Hajj Program Financing Products (Prohajj) with the Qardh Wakalah Bil Ujrah Agreement Nurwakhidah, Ana; Musfiroh , Ulil Mayasari
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 1 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i1.30

Abstract

In addition to learning more about the hajj program financing products offered by Bank Muamalat Indonesia KCP Kepanjen, the purpose of this service activity is to ascertain how the Qardh Wakalah bil Ujrah contract is applied to those products. where Muslims make up the majority of the Indonesian population. This is evident from the enthusiasm of Indonesian Muslims in response to the KMA No. 189 of 2023 decree concerning Indonesian Hajj Quotas for 1444 H/2023 M totaling 221,000, consisting of 203,320 regular haj Quotas and 17,680 special Hajj Quotas, which was signed by the Minister of Religion Yaqut Cholil Qoumas. Then one of Islamic banking's functions is to offer Hajj program services that can facilitate Muslims' ability to execute the pilgrimage. This writing uses a descriptive qualitative method, the author describes the object of research by recording, observing, and interviewing all matters related to this research and aligning it with primary and secondary data sources. The respondent from this writing is the Relationship Manager of Bank Muamalat Indonesia KCP Kepanjen. observation directly or indirectly on the object under study as well as data collection with related documents. The results of this study indicate that the Hajj financing product at Bank Muamalat Indonesia in KCP Kepanjen uses the Qardh Wakalah Bil Ujrah contract, namely funds lent by the bank to prospective hajj customers.
Islamic Capital Market Investment Alternatives Facing the 2024 Election Year Fatkhurrozi, Tanto
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.33

Abstract

This research aims to determine alternative investment instruments that are relevant in the Islamic capital market in the 2024 election period. This research uses a library research method, which involves collecting relevant data or library materials beforehand. The data source in this research is secondary, meaning that the data is obtained from other sources such as documents, books, and related references, not from primary sources. The results of this research are that the development of investment in the Islamic capital market during the election period in the previous year experienced a good increase. from stock instruments, mutual funds, and sharia shares and the recommended investment, namely Sukuk, is considered an instrument that is relatively unaffected because it has a guarantee from the law. Sharia mutual funds show positive long-term growth potential, especially for mutual funds that focus on shares. This performance is influenced by the momentum of the underlying stock. In this context, investors in the Islamic stock market are advised not to make hasty investment decisions. The analysis shows that the infrastructure sector and the information technology (IT) sector have a significant positive influence.
The Influence of the Level of Financial Literacy and Digital Literacy on Generation Z's Interest in Saving at Bank Muamalat Indonesia KCP Mojokerto Ardiansyah, Norick; Lesmana, Ceta Indra
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.35

Abstract

This research aims to determine the influence of financial literacy and digital literacy levels on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto. This research uses quantitative methods using primary data. The population of this research is Generation Z customers who save at Bank Muamalat Indonesia KCP Mojokerto. Data collection was carried out by distributing questionnaires to customers in the city of Mojokerto as many as 96 sample respondents using a purposive sampling technique with the following considerations: (1) generation Z customers who save at Bank Muamalat Indonesia KCP Mojokerto. The data obtained was then processed using the multiple linear regression method using IBM SPSS 25 software. The analysis used included validity and reliability tests, classical assumption tests, multiple linear regression tests, and hypothesis testing. The results of this research show that partially financial literacy has a positive and significant effect on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto, digital literacy has a positive and significant effect on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto. Simultaneously financial literacy and digital literacy influence Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto.
Uncovering the Potential of a Circular Economy from an Islamic Economic Perspective Hidayat, Muhammad Syahrul
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.37

Abstract

This research reveals the potential of a circular economy from an Islamic economic perspective to integrate circular economic concepts that focus on the wise use of resources and reduce waste with Islamic economic principles that emphasize social justice, sustainability, and economic balance. In this research, a literature analysis and comparative study were carried out on the concept of a circular economy and the principles of Islamic economics. This research was conducted to fill existing research gaps and provide new insights into developing a sustainable economy following Islamic religious principles. The research results show a high compatibility between the circular economy and the Islamic economy. The circular economy concept which involves recycling practices, product reuse, and waste reduction is in harmony with Islamic economic principles which emphasize distributive justice, community empowerment, and environmental protection. These findings can be used as a practical guide for economic practitioners, government, and society in adopting and implementing a circular economy in the context of an Islamic economy.
Implementation of the Rahn Agreement at Bank Jatim Syariah Sampang Rosi, Fahrur; Matnin, Matnin; Semi, Semi; Rosi, Rosi
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.39

Abstract

This research aims to determine the implementation of the rahn contract at the Bank Jatim Syariah Sampang Bank. This research approach is an object of field research using a qualitative approach, namely a research procedure that produces descriptive data in the form of written or spoken words from people and observable behavior. The results of research regarding the Implementation of the Rahn Agreement at Bank Jatim Syariah Sampang as follows: first, the pawn financing procedure: has fulfilled the administrative requirements and complies with the harmony and conditions of the rahn, such as; Prospective customers submit requests for pawn financing facilities, valid identification (KTP), and collateral to the pawn party. The pawn party assesses the collateral that has been submitted by the prospective customer and the loan nominal is based on the estimate. Second, delivery of pawned goods as collateral for debt; Loans by pawning goods as collateral for debts in the form of rahn are permitted by law, and practices that follow sharia principles as stated in Article 1 of the DSN-MUI Fatwa Number: 26/DSN-MUI/III/2002. Third; Determination of maintenance rental fees; Maintenance and storage fees are ujrah that customers must pay every ten days, based on the amount depending on the value of the customer's loan. Yet the maintenance and storage costs for marhun do not follow the provisions of paragraph 4 of the DSN-MUI fatwa Number 25/DSNMUI/III/2002.
Analysis of Microfinancing in the Development of MSME Customers Bella, Yolanda Chintya; Dwiaryanti, Risca; Hasanah, Lailatul
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.40

Abstract

Sharia banks primarily operate in accordance with Islamic law, which is based on concepts of fairness, balance, benefit, and the avoidance of prohibited aspects such as gharor, maisir, and usury. Bank Syariah Indonesia (BSI) is an exemplary sharia-compliant financial organization that offers financing and other services. It operates using sharia-compliant contracts that have been certified by the National Sharia Council. Microfinance has played a vital role in the financial sector since the early 1980s, with the goal of offering financial services to individuals and small and medium-sized enterprises who are economically disadvantaged. The primary focus is on achieving sustainable development by effectively managing and harmonizing the financial, social, environmental, and governance dimensions. The study employs a qualitative methodology to examine the impact of microfinancing on the development of micro, small, and medium enterprises (MSMEs), as well as the various forms of MSME development. The study examines the provision of funding by banks to businesses and self-employed individuals, with a focus on factors such as trust, agreements, duration, and associated risks. Financing has multiple purposes, such as encouraging commerce and economic activities, mitigating unemployment, allowing the movement of products and money, and fostering economic progress. MSMEs have a substantial impact on the Indonesian economy by making considerable contributions to the country's gross domestic product and employment rates.
Navigating the Tides of Change: A Comprehensive Analysis of Employment and Unemployment Dynamics in Indonesia Mulya, Nico Pranata Mulya
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 1 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i1.58

Abstract

Labor dynamics play a pivotal role in the economic growth of a country. This study aims to fill the research gap by conducting a descriptive analysis comparing the working population and unemployment in Indonesia from 2011 to 2020. Data are sourced from BPS statistical records, including the number of working individuals, unemployed persons, and variables such as wage rates, economic growth, employment opportunities, and education. The study employs descriptive statistical techniques to examine labor trends over the past decade. Key changes in unemployment and employment rates are explored in relation to the global economic crisis, technological advancements, and the COVID-19 pandemic. Findings show an upward trend in employment, while unemployment experienced significant fluctuations, especially during the pandemic, with precise figures illustrating these patterns. The study highlights education, structural transformation, and economic growth as crucial determinants of labor market dynamics, providing more targeted policy implications. These implications offer actionable insights to enhance inclusive growth, improve job quality, and strengthen labor market resilience. The study provides a solid foundation for adaptive and responsive policy formulation aimed at creating a more sustainable employment environment.
Development of the Hajj Savings Mechanism with the Wadi'ah Agreement on BSI Surabaya Basuki Rahmat Zinah, Fitriyatus; Rohmah, Nuzulur; Kunaifi``, Aang
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 1 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i1.89

Abstract

This study proposes and analyzes the development of a Hajj savings mechanism based on the principles of the Wadi'ah Agreement. Using a comprehensive literature review and comparative analysis, the study outlines specific implementation steps to enhance the effectiveness and sustainability of the Hajj savings program. Existing mechanisms for Hajj savings face challenges, such as a lack of transparency in profit distribution and sustainability issues. This research introduces a novel framework utilizing the principles of the Wadi'ah Agreement to address these challenges, aiming to improve fairness and efficiency in managing Hajj savings funds. The study's contributions highlight a distinct departure from conventional systems, providing a practical roadmap for integrating the new framework into existing financial structures.
Socio-Cultural variations in Consumer preferences on Sexual Wellness Products in Urban and Rural Communities: A Comprehensive Analysis Narayan, Prachi; Das, Soumyajit
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 1 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i1.99

Abstract

This study scrutinizes the multifaceted dimensions of sexual wellness, encompassing physical, mental, and social well-being within the sexual paradigm. It investigates the impact of sexual wellness products (SWP) on consumer behaviour, emphasizing divergences in buying patterns between rural and urban societies. Employing the Theory of Planned Behaviour, the study integrates attitudes, subjective norms, perceived behavioural control, and interactive intention to elucidate their collective influence on SWP and utilizing quantitative method. The findings reveal a positive relationship between attitudes and behavioural intentions on SWP, with subjective norms contributing notably to behavioural intentions. The research compares rural and urban consumers having a sample size of 546, that employs a comprehensive structural equation model, revealing intricate interrelationships (χ² = 1852.68, χ²/df = 2.85, CFI = 0.94, GFI = 0.91, TLI = 0.93, RMSEA = 0.078) among various attributes in the sexual wellness product domain, shaping mathematical patterns in consumer behaviour and perceptions. These insights offer actionable guidance for marketers and policymakers to tailor strategies to the distinct characteristics of diverse consumer segments. Urban-rural distinctions in socio-cultural values, access, economic factors, education, and community influences emerge as pivotal drivers shaping consumer behaviour and feelings. Urban environments show greater openness and accessibility, while rural settings, rooted in tradition, face limitations, emphasizing the need for tailored marketing strategies and public health interventions. This study bridges the gap between marketing, public health, and socio-cultural dynamics, offering a data-driven approach to understanding and addressing consumer behavior in the sexual wellness market. It provides theoretical advancements, empirical insights, and practical applications that collectively enhance both academic discourse and real-world strategy development in the field.

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