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M Aqil Fahmi Sanjani
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INDONESIA
Business and Applied Management Journal
Published by Al-Qalam Institute
ISSN : 30249201     EISSN : 30248094     DOI : https://doi.org/10.61987/bamj
Core Subject : Economy, Humanities, Education, Social,
Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences
Business and Applied Management Journal is Peer-reviewed refereed journal aiming at engaging academicians as well as practitioners. Focus on the areas of economics, finance, banking, capital markets, takaful and law. The aim of the Journal is to foster academic research by publishing original research articles that meet the highest analytical standards, and provide new insights that contribute and spread the business and Social Science knowledge.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 16 Documents
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Search results for , issue "vol. 3 no. 2 (2025)" : 16 Documents clear
The Shield Against Distress: Risk Management as a Mediator of Financial Ratios in the Property Industry Amiruddin Ahmad; AM Soma
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1261

Abstract

Financial distress has become a critical issue in the property industry due to the sector’s high dependence on external financing, long project cycles, and vulnerability to economic fluctuations. This study aims to analyze the influence of financial and non-financial ratios on financial distress and to examine the mediating role of risk management in the relationship between these variables. A quantitative approach was employed using panel data regression analysis on property companies, with profitability, liquidity, leverage, sales growth, and company size as independent variables, risk management as a mediating variable, and financial distress as the dependent variable. The results indicate that profitability and liquidity have a significant direct influence on financial distress, suggesting that companies with stronger profitability and adequate liquidity are less likely to experience financial difficulties. Meanwhile, leverage does not directly affect financial distress but exerts an indirect influence through the mediating role of risk management, indicating that effective risk management practices can mitigate the negative impact of high leverage. The findings highlight that financial ratios combined with risk management provide a more comprehensive assessment of corporate financial health. This study contributes to the literature by emphasizing the strategic role of risk management in strengthening financial resilience and reducing the likelihood of financial distress in the property industry, particularly in environments characterized by financial uncertainty and market volatility.
Determinants of Purchase Decisions and Continued Use in Digital Ferry Ticketing Applications: An Extended Technology Acceptance Model Approach Febrina Christina; Ricardo Indra
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1639

Abstract

This study aims to examine the factors influencing user behavior toward the Ferizy application by applying an extended Technology Acceptance Model (TAM) integrated with a digital management communication perspective. The research employed a quantitative survey method with 266 active users, and the data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that brand awareness and price value significantly and positively affect perceived ease of use, perceived enjoyment, and perceived quality. These perception constructs subsequently influence purchase decisions, which, in turn, drive continued use of the application. The results highlight that ease of use, enjoyment, and service quality are critical determinants of user decisions and of fostering long-term engagement with digital service platforms. Theoretically, this study contributes to TAM development by incorporating brand communication and price value as key external variables. In practice, the findings offer strategic insights for organizations to enhance digital communication, ensure transparent pricing, and improve service quality, thereby strengthening user satisfaction and sustained application usage.
Digital Literacy and Technostress in the Job Demands–Resources Perspective: The Mediating Role of Instructional Innovation on Elementary School Teachers’ Performance Fahriansyah Fahriansyah; Rizky Fauzan; Titik Rosnani
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1640

Abstract

This study examines the influence of digital literacy and technostress on elementary school teachers’ performance with instructional innovation as a mediating variable within the Job Demands–Resources (JD-R) framework. The research employed a quantitative explanatory design using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected from elementary school teachers in West Kalimantan Province through an online questionnaire. The results indicate that digital literacy has a significant positive effect on instructional innovation and teachers’ performance. Instructional innovation also significantly improves teachers’ performance. Meanwhile, technostress does not have a direct effect on teachers’ performance but does influence it indirectly through instructional innovation. These findings suggest that digital literacy functions as an important job resource that enhances innovative teaching practices. In contrast, technostress can act as a challenge that stimulates adaptive innovation in digital learning environments. The model demonstrates strong explanatory power with an R² value of 0.706 for teachers’ performance. The study contributes to the development of JD-R theory in digital education by identifying instructional innovation as an adaptive mechanism that transforms job demands and job resources into improved teacher performance.
Strategic Public Relations as a Driver of Institutional Positioning and Competitive Advantage in Higher Education Siti Aminah; Agus Maimun; Indah Aminatuz Zuhriyah
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1641

Abstract

This study aims to analyze the role of strategic public relations management in enhancing institutional positioning and competitive advantage in higher education. Employing a qualitative approach with a multi-case study design, data were collected through in-depth interviews, observation, and documentation involving institutional leaders, public relations practitioners, academics, students, and alumni. The findings indicate that strategic public relations serves as a foundational mechanism for institutional positioning through public needs analysis, identity strengthening, and integrated communication strategies. Furthermore, integrated communication encompassing media relations, digital branding, academic publications, and stakeholder engagement plays a critical role in shaping institutional image and reputation through message consistency. Strategic public relations also contributes significantly to competitive advantage by fostering public trust, increasing institutional visibility, and strengthening differentiation. The study implies that strategic public relations functions as a dynamic capability that links internal institutional quality with external public perception, transforming communication into strategic value. These findings offer theoretical contributions by integrating public relations, positioning, reputation, and competitive advantage into a unified framework, while practically providing guidance for higher education institutions in designing effective strategic communication to enhance competitiveness in a dynamic environment.
Strategic Human Resource Interventions: Assessing the Efficacy of Training and Discipline in the Manufacturing Industry Muhamad Arief Noor; Halim Tjiwidjaja; Budi Prajogo
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1645

Abstract

Employee productivity is a critical factor in organizational performance, particularly in the manufacturing sector, where intense competition and operational efficiency demands are driving performance. This study aims to examine the effects of training, work discipline, and job promotion on employee productivity. A quantitative explanatory approach with a survey method was employed. Data were collected from 100 employees selected through simple random sampling using a structured questionnaire measured on a five-point Likert scale. Multiple linear regression analysis was conducted to assess the impact of each independent variable on productivity. The results indicate that training positively and significantly affects productivity (t = 3.436; p < 0.05), as does work discipline (t = 2.498; p < 0.05), while job promotion shows no significant effect (t = -1.005; p > 0.05). Collectively, all three variables have a significant influence on employee productivity. These findings suggest that enhancing productivity in manufacturing organizations is more effectively achieved through strengthening training programs and enforcing work discipline rather than relying solely on promotion policies.
Strategies for Improving Teacher Performance Using a Local Expertise Approach: A Study Using POP-SDM Rahmawati Rahmawati; Bibin Rubini; Lina Novita
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1635

Abstract

This study explores strategies to enhance teacher performance using a local-expertise variable approach, with a focus on the local tradition of gotong royong (cooperation). Previous research has overlooked the impact of local customs on teacher performance. The research applies Human Resource Strengthening Modeling and Optimization (POP-SDM) and a multi-stage random sampling technique, involving 124 teachers from 9 private vocational schools in Bekasi Regency. Data analysis employs SEM-PLS 3 for path analysis, testing 7 direct and 3 indirect influences. The study integrates local expertise to improve teacher productivity by accounting for local customs. SITOREM analysis identifies the following prioritized areas for improvement: Salary/Income, Working Conditions, Promotion Opportunities, and Supervision, among others. The results show that 4 direct-effect hypotheses were accepted and 3 rejected, while 2 indirect effects were accepted and 1 rejected. The findings suggest that enhancing teacher performance requires focusing on job satisfaction, knowledge management, communication, and cooperation. By addressing the order of indicators identified through SITOREM, optimal solutions for improving teacher performance can be developed. This research emphasizes the importance of integrating local traditions into modern educational practices.
The Interplay of Financing Structures and Profitability in Islamic Banking: Does Asset Quality Moderate the Outcome? Budi Kolistiawan
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1642

Abstract

This study examines the effects of debt, equity, and lease financing, as well as the financing-to-deposit ratio (FDR), on return on equity (ROE), with non-performing financing (NPF) as a moderating variable in Islamic banking. The research fills a gap in previous studies that reported inconsistent findings regarding the impact of Islamic financing structures on profitability. A quantitative, associative research design with a time-series approach is employed, using 52 quarterly observations from 2011 to 2023 sourced from BCA Syariah financial reports and the Financial Services Authority (OJK). Data are analyzed through Moderated Regression Analysis (MRA) to assess both direct and moderating effects. The results indicate that debt financing negatively and significantly affects ROE, while equity financing has a positive and significant impact. Lease financing and FDR show no significant effect on ROE. NPF significantly influences ROE and moderates the relationship between FDR and ROE, but does not moderate the relationships with other financing variables. These findings provide empirical evidence on the role of financing risk in shaping profitability in Islamic banks, offering practical insights for bank managers and regulators in optimizing financing strategies while mitigating risk to enhance financial performance.
Monetary Policy, Liquidity, and the Risk Profitability Nexus: Evidence From Indonesian State and Private Banks Dadang Agus Suryanto; Acu Kusnandar
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1643

Abstract

This study aims to analyze the nexus between liquidity, credit risk, capital adequacy, and profitability in the banking sector under varying macroeconomic conditions. A quantitative approach is employed using panel data with a sequential modeling strategy. In the first stage, the effects of policy interest rates and inflation on liquidity, proxied by the Loan-to-Deposit Ratio (LDR), are examined. The second stage analyzes the influence of LDR and the Capital Adequacy Ratio (CAR) on credit risk, as measured by Non-Performing Loans (NPL), using a fixed-effects model. The third stage evaluates the impact of LDR, CAR, and NPL on profitability, proxied by Return on Assets (ROA), using a random effects model. Dummy variables and interaction terms are included to capture structural differences across bank types, with robust standard errors applied to ensure reliability. The results indicate a significant risk–return trade-off: higher liquidity and stronger capital adequacy contribute to improved profitability, while increased credit risk adversely affects financial performance. The findings imply that effective liquidity and capital management are essential for maintaining financial stability and optimizing bank profitability, particularly during periods of economic uncertainty.
Beyond Spiritual Authority: Revitalising Charismatic Leadership for Economic Independence in Indonesian Pesantrens Bachrul Ulum; Halili Halili; Wahyu Fajar Filastin; Silfin Aisyah
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1647

Abstract

This study aims to analyze the strategy and impact of revitalizing the Kyais ’ role in achieving sustainable economic Independence in pesantren. In the context of emerging economies, pesantrens possess significant social capital but remain vulnerable due to their financial dependence on external funding. This condition underscores the need to transform traditional spiritual leadership into a more professional, entrepreneurial model to support institutional sustainability. This research employs a qualitative approach with an instrumental case study design at the Islamic Boarding School, using purposive sampling. Data were collected through in-depth interviews, participant observation, and document analysis, and analyzed using an interactive model with triangulation to ensure validity. The findings reveal that the Kyai acts as the central architect of economic governance, integrating moral authority with strategic decision-making. Leadership revitalization is implemented through professional delegation, resource mapping, and vocational integration. This process produces a hybrid governance model combining centralized control and decentralized management.Furthermore, pesantren successfully transitioned into a production-based economic system. This transformation strengthens financial autonomy, student entrepreneurship, and community empowerment. The study contributes theoretically by proposing a charismatic–entrepreneurial leadership model and practically by offering a strategic framework for institutional Independence.
Home Procurement Solution: The Utilization of Tawatu’ in the Musharakah Mutanaqishah Agreement for Home Ownership Jasmin Jasmin; Syaifuddin Syaifuddin; Umu Rosyidah; Muh Sajjaj Sudirman; Abubakar Esa
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1636

Abstract

This research aims to examine the application of the tawatu’ concept to enhance the Musharakah Mutanaqishah contract for home ownership financing (KPR), addressing the challenges posed by population growth and housing shortages. Islamic banks offer home ownership financing based on the Musharakah principles, specifically Musharakah Mutanaqishah, which involves a gradual transfer of ownership from the bank to the customer. However, the issue arises from naming the certificate in the customer's name, even though the house remains jointly owned. This study uses field research, collecting data through interviews and document review, and analyzes them using the descriptive qualitative model of Huberman and Miles. The findings indicate that naming the customer on the certificate helps streamline the process with the National Land Agency (BPN), Sharia banks, and the customer. This process is supported by the tawatu’ concept, a secret agreement between two parties aimed at finding a way out of contractual issues within the scope of Sharia law and positive law. The tawatu’ concept provides a harmonious solution for Islamic banking, supporting further growth and development.

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