cover
Contact Name
Mohammad Fikri
Contact Email
jurnalmuqaddimah0@gmail.com
Phone
+6285190060450
Journal Mail Official
lp2m@stisnq.ac.id
Editorial Address
Jl. Imam Sukarto no 60, Baletbaru, Sukowono, Jember, Jawa Timur, 68194, Indonesia
Location
Kab. jember,
Jawa timur
INDONESIA
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
ISSN : 29629047     EISSN : 2963010X     DOI : 10.59246
Core Subject : Economy,
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis presents actual studies on the field of management and business in the perspective of conventional economics and sharia economics. These studies are expected to enrich scientific treasures in the field of management and business so that they can be a reference for academics, stakeholders and the wider community. The journal is highly receptive to new research patterns and methods. The following articles will be issued for publication: 1. HR Management 2. Finance 3. Accounting 4. Islamic Economics.
Articles 292 Documents
Analisis Kepatuhan Syariah pada Perbankan Syariah Digital dalam Perspektif Literatur Dino Baggio Listiyanto; Muhamad Solahudin; Pika Amalia; Elinda Nur Hasanah; Suci Aulia
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v4i2.1959

Abstract

This study aims to analyze the literature on sharia compliance in Islamic digital banking. It employs a qualitative approach using a literature review method, with data collected from books, academic journals, and regulations issued by the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The results show that digital transformation in Islamic banking provides significant benefits, including improved operational efficiency, wider service accessibility, and enhanced financial inclusion. However, the implementation of digital banking services must strictly adhere to sharia principles, such as the prohibition of riba, gharar, and maysir, while ensuring transparency and consumer protection. The study also highlights several challenges, including limited customer understanding of digital contracts, potential lack of system transparency, data security and privacy risks, and the shortage of qualified human resources in both sharia and technology fields. In addition, regulatory frameworks and supervisory mechanisms need to be more adaptive to rapid technological advancements. Strengthening sharia governance, improving human resource capacity through continuous training, and enhancing collaboration among regulators, fatwa institutions, and internal supervisory bodies are essential to support the sustainable development of Islamic digital banking.
The Effect of Attitudes, Subjective Norms, and Perceived Behavioral Control on MSMEs’ Intention to Obtain Halal Certification in Pamekasan Safira Adibatul Faruq
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v4i2.1962

Abstract

This study aims to analyze the effect of attitude, subjective norms, and perceived behavioral control on the intention of Micro, Small, and Medium Enterprises (MSMEs) to apply for halal certification in Pamekasan Regency based on the Theory of Planned Behavior. This research employs a quantitative approach with an explanatory design. Data were collected through questionnaires distributed to culinary MSME actors using a purposive sampling technique. The variables examined include attitude, subjective norms, perceived behavioral control, and intention to obtain halal certification. The findings indicate that MSME actors generally have a positive attitude toward halal certification, particularly in enhancing consumer trust and business competitiveness. However, subjective norms are not yet strong enough to significantly influence intention, while perceived behavioral control is identified as the most dominant inhibiting factor due to limited knowledge of procedures, perceived high costs, and procedural complexity. Overall, MSME intention remains suboptimal, requiring improved socialization, assistance, and simplified certification procedures.
The Influence of Product Quality and Service Quality on Repurchase Intentions at Waroeng Steak & Shake Riyanto; Taryono; Sutrisno
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/sp7gw964

Abstract

This study examines the influence of product quality and service quality on consumers’ repurchase intention at Waroeng Steak & Shake. In the increasingly competitive culinary industry, repeat purchase behavior is essential for maintaining customer loyalty and business sustainability. This quantitative study used primary data collected through structured questionnaires distributed to 195 respondents who had purchased from the restaurant within the last three months. The data were analyzed using multiple linear regression with SPSS version 25. The findings indicate that both product quality and service quality have a positive and significant effect on repurchase intention, both partially and simultaneously. Product aspects such as taste consistency and food presentation strongly influence consumers’ willingness to repurchase, while responsive and reliable service also contributes significantly. The study highlights the importance of maintaining product consistency and service excellence to strengthen customer retention in the culinary business sector
Analisis Faktor-Faktor yang Mempengaruhi Kinerja Ekspor Indonesia Tahun 1990-2024 Arriska Salma Rosyidah; Siti Aisyah
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/m6bjz341

Abstract

This study aims to analyze the effects of Gross Domestic Product (GDP), exchange rates, and interest rates on Indonesia export performance during the period 1990-2024. The data used are secondary data obtained from the Badan Pusat Statistik (BPS), World Bank, and Bank Indonesia (BI), comprising a total of 35 annual observations. This study employs a quantitative approach using a time series regression model estimated by the Ordinary Least Squares (OLS) method. The estimation results indicate that GDP, exchange rates, and interest rates have a positive and significant effect on Indonesia exports. These findings highlight the importance of maintaining exchange rate stability, increasing production capacity, and implementing conducive monetary policies to promote sustainable export growth..
The Influence of Work Stress Levels and Supervisor Support on Employee Performance at Shopee Express Sribawono Branch, East Lampung Fernanda Venturini; Syaiful Bakhri
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/6n38vg56

Abstract

The purpose of this study was to determine the effect of work stress and supervisor support on employee performance at Shopee Express Sribawono Branch. Employee performance served as the dependent variable, while work stress and supervisor support were the independent variables. This study employed a quantitative method with an associative approach. The research involved 100 employees, and the entire population was used as the sample through the total sampling technique. The data were processed and analyzed using SPSS software. Data were collected through the distribution of questionnaires using a Likert scale. The analyses included validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficient of determination analysis. The results of the study indicate that work stress has a negative and significant effect on employee performance, with a significance value of 0.003 < 0.05, while supervisor support has a positive and significant effect on employee performance, with a significance value of 0.001 < 0.05. Furthermore, work stress and supervisor support simultaneously have a significant effect on employee performance, with a significance value of 0.000 < 0.05.
Pengaruh Transformasi Digital terhadap Loyalitas Nasabah dengan Kepuasan Nasabah sebagai Variabel Intervening pada PT. Prudential Cbd Medan Polonia Winda Amanda Sari; Fauzi Arif Lubis; Tri Inda Fadhila Rahma
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/rbafsc83

Abstract

This research is motivated by the shift in insurance usage culture from conventional to digital, which poses a challenge for insurance companies such as PT. Prudential Syariah in improving the quality of digital marketing services to maintain customer loyalty. Digital transformation not only simplifies transactions but also plays a role in increasing customer satisfaction. This research uses a quantitative method with an explanatory research approach conducted at PT. Prudential CBD Medan Polonia. Data were collected through questionnaires from 376 respondents selected using a purposive sampling technique. The research variables include digital transformation as the independent variable, customer satisfaction as the moderating/intervening variable, and customer loyalty as the dependent variable. Data analysis used linear regression. The results show that digital transformation has a positive and significant effect on customer loyalty. In addition, customer satisfaction also has a positive and significant effect on customer loyalty. Mediation testing shows that customer satisfaction is able to positively mediate the effect of digital transformation on customer loyalty. These findings emphasize the importance of optimizing digital services in increasing customer satisfaction and loyalty in the Islamic insurance industry.
The Role of Compensation in Enhancing Employee Productivity and Performance: An Islamic Economic Perspective Nurut Tamam
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/yxz53e96

Abstract

This study aims to analyze the role of compensation in improving employee performance productivity from the perspective of Islamic economics. This research uses a qualitative approach with a literature review method by examining various scientific sources, including journals, books, and relevant previous studies. The data were analyzed descriptively to identify patterns and relationships between compensation and employee productivity. The results show that compensation has a significant role in improving employee productivity through increased motivation, job satisfaction, and work loyalty. Fair and appropriate compensation, both financial and non-financial, contributes to enhancing work performance and organizational efficiency. From the perspective of Islamic economics, compensation must be based on principles of justice (‘adl), feasibility, and timeliness, as emphasized in the Qur'an and Hadith. Proper implementation of compensation not only improves employee welfare but also supports sustainable organizational performance. 
Consumer Behavior of Modern Society in the Perspective of Islamic Economics: Implications for Individual Financial Balance Mailatun Linda Sari
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/749zf009

Abstract

Current advances in digital technology have transformed the shopping habits of modern society. Decisions to purchase goods are now more frequently driven by momentary desires and social prestige pressures (FOMO) rather than actual essential needs. This literature review study aims to analyze such consumptive behavior from the perspective of Islamic economics while also examining its impact on individual financial health. The research summarizes and analyzes various scientific literatures to formulate the root causes of the problem along with possible solutions. The findings reveal that consumptive culture strongly contradicts the teachings of Islamic economics because it disrupts the hierarchy of life priorities (Maqashid Sharia). People tend to force themselves to purchase luxury goods (Tahsiniyyat) even though their basic necessities (Dharuriyyat) may not yet be secure. Such behavior is explicitly categorized as extravagance (israf) and wastefulness (tabdzir). The direct consequence of this lifestyle is the destruction of individual financial balance, triggering expenditures that exceed income and ultimately trapping individuals in digital debt schemes such as pay-later services and online loans. To address this issue, Islamic values offer practical solutions through cultivating a sense of contentment (Qana'ah), discipline in budgeting, adopting a minimalist lifestyle that prioritizes functionality, and increasing social awareness through charity (sadaqah). The implementation of these measures is expected to restore personal economic stability and create a more peaceful life free from the burden of debt.
Pengaruh Literasi Keuangan Syariah dan Kemudahan Akses Layanan terhadap Minat Masyarakat dalam Menggunakan Produk Keuangan di BMT Bungatan Millah Hanifiyyah; Achmad Febrianto
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/g6179e40

Abstract

The development of Islamic finance in Indonesia highlights the importance of Islamic financial literacy and ease of service access in encouraging public interest in using Islamic financial products. A quantitative approach with a causal associative research design was employed in this research. Data were collected through questionnaires using a Likert scale from 104 respondents selected through purposive sampling. Multiple linear regression analysis with SPSS was applied after conducting classical assumption tests. The findings reveal that partially, Islamic financial literacy does not significantly affect public interest in using Islamic financial products, indicated by a significance value of 0.256 (>0.05). In contrast, ease of service access has a positive and significant effect on public interest, with a significance value of 0.000 (<0.05). Simultaneously, both independent variables influence public interest, although ease of service access emerges as the most dominant factor with a beta coefficient value of 0.694. These findings demonstrate that practical, fast, and easily understood service access plays a more influential role in attracting public interest than the level of Islamic financial literacy.
Implementasi Akad Hybrid Contract (Multi Akad) Murabahah Bil Kafalah Di BMT Tanjung: Analisis Kesesuaian terhadap Fatwa DSN-MUI dan Prinsip Fikih Muamalah Rofiatus Zahro; Achmad Febrianto
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/hxd7a905

Abstract

Implementation of hybrid contracts in Islamic microfinance institutions continues to develop as an adaptive financing model capable of accommodating community needs while maintaining compliance with sharia principles. The practice of murabahah bil kafalah financing at BMT Tanjung reflects the integration of sale and guarantee contracts designed to provide safer and more accessible financing, particularly for micro, small, and medium enterprises (MSMEs). This research employed a qualitative case study approach through observation, semi-structured interviews, documentation, and questionnaires involving BMT managers, staff, and customers. Data were analyzed using data reduction, presentation, and verification techniques supported by source triangulation. The findings indicate that the implementation of murabahah bil kafalah generally aligns with DSN-MUI fatwas and fiqh muamalah principles, particularly regarding transparency of margin, determination of principal prices, and the role of kafalah as financing security. The existence of guarantors contributes to reducing financing risks and maintaining institutional profitability stability. Nevertheless, several operational challenges remain, including limited customer understanding of hybrid contracts, insufficient transparency regarding administrative costs, and differences in interpretation among operational staff. Strengthening contract transparency, improving staff competency, and enhancing customer education are necessary to optimize sharia compliance and increase public trust in hybrid financing practices within Islamic microfinance institutions.