Journal of Management and Islamic Finance https://ejournal.uinsaid.ac.id/index.php/jmif <div style="text-align: justify; width: 97%; background-color: #ffffff; border: 1px solid #FFFFFF; padding: 8px;"><strong>Journal of Management and Islamic Finance (JMIF)</strong></div> <div style="text-align: justify; width: 97%; background-color: #ffffff; border: 1px solid #FFFFFF; padding: 8px;"><strong>J</strong>ournal of <strong>M</strong>anagement and <strong>I</strong>slamic <strong>F</strong>inance (JMIF)<strong> </strong>published by Department of Master Islamic Business Management, Postgraduate Program, Raden Mas Said State Islamic University of Surakarta. The subject covers both textual and empirical, as well as classical and contemporary research on Management and Islamic Finance. Published in Indonesia, it welcomes contributions in English and Bahasa. Papers are peer-reviewed to maintain a high scholarly level. Journal of Management and Islamic Finance is published online twice a year.</div> <div style="text-align: justify; width: 97%; background-color: #ffffff; border: 1px solid #FFFFFF; padding: 8px;">Journal of Management and Islamic Finance (JMIF) openly welcomes scholars, postgraduate students, and practitioners to submit their best research articles that correspond to the topics. The scopes of accepted papers are;<em> </em></div> <div style="text-align: justify; width: 97%; background-color: #ffffff; border: 1px solid #FFFFFF; padding: 8px;">-) Management (Islamic finance management, marketing management, Islamic business management etc.), Islamic Finance, Islamic Economic, and Islamic Economic &amp; Business Law. </div> <div style="text-align: justify; width: 97%; background-color: #ffffff; border: 1px solid #FFFFFF; padding: 8px;"><strong><strong>P-ISSN: 2797-9628. </strong></strong><strong style="font-size: 0.875rem; font-family: 'Noto Sans', 'Noto Kufi Arabic', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;">E-ISSN: 2797-9636</strong></div> <div style="text-align: justify; width: 97%; background-color: #ffffff; border: 1px solid #FFFFFF; padding: 8px;"><strong><a href="https://issn.lipi.go.id/terbit/detail/20210617031543204" target="_blank" rel="noopener"><img src="http://api-issn.lipi.go.id/download/barcode/dok_sk/2021/06/BARCODE_2797962800.png" alt="P-ISSN 2797-9636" /></a>. </strong><a href="https://issn.lipi.go.id/terbit/detail/20210617151539823" target="_blank" rel="noopener"><strong><img src="https://api-issn.lipi.go.id/download/barcode/dok_sk/2021/06/BARCODE_2797963600.png" alt="E-ISSN 2797-9628" /></strong></a></div> IAIN Surakarta en-US Journal of Management and Islamic Finance 2797-9628 <p>Authors who publish with this journal agree to the following terms:</p><ul><li>Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under <a href="https://creativecommons.org/licenses/by-nc-sa/4.0/"><strong>a Creative Commons Attribution License</strong></a> that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.</li><li>Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.</li><li>Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.</li></ul> THE INFLUENCE ANALYSIS OF ORGANIZATIONAL CLIMATE AND WORK-LIFE BALANCE ON EMPLOYEE PERFORMANCE THROUGH HAPPINESS AT WORK AS MEDIATION VARIABLE https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5722 <p><em>This study discusses the influence of Organizational Climate and Work-life Balance on Employee Performance through Happiness at Work as Mediation Variable at the Sinduadi Village office. The number of samples in this study were 105 employees. The data collection technique for sampling used simple random sampling by applying the questionnaire method. The analytical method used the Structural Equation Modeling (SEM) method processed through the AMOS 22 program. The results of this study indicate that Organizational Climate has positive effect but is not significant on Employee Performance, Organizational Climate has a positive effect on Happiness at Work, Happiness at Work has a significant positive effect on Employee Performance, Work-life Balance has a significant positive effect on Employee Performance, Work-life Balance has a significant positive effect on Happiness at Work, Organizational Climate has a significant effect on Employee Performance through Happiness at Work, Work-life Balance has a significant positive effect on Employees Performance through Happiness at Work.</em></p> Adinda Hayyu Rizqi Ika Nurul Qamari Copyright (c) 2022 Adinda Hayyu Rizqi, Ika Nurul Qamari https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 153 170 10.22515/jmif.v2i2.5722 LITERATURE REVIEW ON GENERATION Z’S PERCEPTION OF PRODUCT PURCHASING DECISIONS THROUGH E-COMMERCE FROM THE PERSPECTIVE OF ISLAM BUSINESS ETHICS https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/4375 <p><em>Indonesia is currently experiencing rapid technological development, especially in the fields of information technology, communication and media. One of them, e-commerce (Electronic commerce) is a place of trade that utilizes the internet media. The growth of e-commerce in Indonesia is very rapid, as evidenced by the emergence of various kinds of e-commerce. Of the many e-commerce companies that have developed so far, there are still few e-commerce companies that label their companies as companies that obey Islamic law. Therefore, it is still a question whether the transaction process between sellers and buyers in e-commerce is appropriate or violates the norms of Islamic law. This study aims to analyze the perception of Generation Z in making decisions to transact in e-commerce. This research method was qualitative by using the field of literature review. Data collection was done by collecting article sources in the form of journals, previous research and related sources. The results of this study indicate that student perceptions of e-commerce are very good, some e-commerce is in accordance with Islamic law, but some e-commerce is not in accordance with Islamic law. Halal labels on products, systems that run e-commerce, trust, security, service quality, and perceived risk affect product purchasing decisions.</em></p> Ailatus Sakinah Hendri Hermawan Adinugraha Copyright (c) 2022 Ailatus Sakinah https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 171 183 10.22515/jmif.v2i2.4375 ANALYSIS OF FINANCIAL INCLUSION THROUGH FINTECH INNOVATION https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5680 <p><em>This study aims to explain the intention in using mobile money through the application of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) model. This research was conducted throughout the Solo Raya community. The number of samples in this study were 100 respondents. The data collection method used non-probability sampling with purposive sampling in which the researcher determines sampling by providing specific criteria. The research data was obtained through a survey method with a questionnaire technique. The analytical tool used to test the hypothesis was path analysis with the help of SmartPLS 3.0. The results show that the variable performance expectations, effort expectations, social influence, hedonic motivation, and facility conditions have no significant effect on the intention to use mobile money. Price value and habit variables have a positive and significant effect on the intention in using mobile money.</em></p> Ramadhani Puspita Sari Imronudin Copyright (c) 2022 Ramadhani Puspita Sari, Imronudin Imronudin https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 184 203 10.22515/jmif.v2i2.5680 THE INFLUENCE OF PEER TO PEER LENDING (P2P) AND ELECTRONIC MONEY ON INCREASING PROFITS OF MICRO SMALL AND MEDIUM ENTERPRISES (MSME) IN KUDUS REGENCY https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5509 <p><em>Currently, MSMEs must begin to realize the importance of various digital platform services such as peer to peer lending (P2P) and electronic money. The low number of MSME business actors in Kudus Regency compared to MSME business actors in other regencies is one of the reasons for conducting this research. In addition, there is still a lack of research on Peer to peer lending (P2P) and electronic money with the use of connecting/intervening variables. The sampling technique used purposive sampling. The data was obtained using a questionnaire distributed to 91 MSME business actors in Kudus Regency. Consumer data were analyzed using multiple regression models and path analysis with SPSS. The results show that there is a direct influence of P2P and electronic money on the increase in MSME profits, the indirect influence of P2P and electronic money on the increase in MSME profits with MSME income as intervening, as well as the direct influence of P2P and electronic money on MSME income.</em></p> Rhealin Hening Karatri Keke Tamara Fahira Rozaq Muhammad Yasin Copyright (c) 2022 Rhealin Hening Karatri, Keke Tamara Fahira, SE., MM., Rozaq Muhammad Yasin, SE., M.E.K. https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 204 221 10.22515/jmif.v2i2.5509 STUDY OF ENTREPRENEURSHIP ORIENTATION AND SELF-EFFICACY ON ENTREPRENEURSHIP SUCCESS AND MODERATION OF ENVIRONMENTAL INSTABILITY IN COVID 19 PANDEMIC CONDITIONS https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5275 <p><em>This study aims to analyze entrepreneurial orientation and self-efficacy on entrepreneurial success moderating environmental instability with entrepreneurial orientation on entrepreneurial success. This study used a descriptive quantitative method. The research was conducted in February-May 2022 in Surakarta. The population in this study were Micro Small and Medium Enterprises (MSME) actors spread in Surakarta with a total sample of 169 respondents using a simple census sampling technique based on representation of several types of MSME. The data collection technique was carried out by means of a questionnaire/questionnaire. Testing the hypothesis used the regression test and moderation regression test with SPSS software version 26.0. The results of the study conclude that entrepreneurial orientation influences entrepreneurial success. Entrepreneurial self-efficacy influences entrepreneurial success. Moderation of environmental instability on the effect of entrepreneurial orientation on entrepreneurial success is not able to moderate. The environmental instability variable is able to moderate the effect of entrepreneurial self-efficacy on entrepreneurial success.</em></p> Muhammad Fadhli Copyright (c) 2022 Muhammad Fadhli Fadhli https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 222 239 10.22515/jmif.v2i2.5275 THE EFFECT OF PRODUCT QUALITY AND BRAND IMAGE ON THE PURCHASE DECISION OF MS.GLOW SKINCARE PRODUCTS THROUGH PURCHASE INTEREST AS A MEDIATION VARIABLE IN USERS OF MS.GLOW SKINCARE PRODUCTS IN TERNATE https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5244 <p><em>This study aims to determine the effect of product quality and brand image on purchasing decisions through buying interest. This research was a quantitative research. The population in this study were consumers using skincare ms.glow products in Ternate with the sampling method, namely Non-Probability Sampling with a purposive sampling approach. The data analysis technique was path modeling analysis using Smart Partial Least Square (PLS) version 3 as a statistical test tool. The results of this study indicate that product quality has a significant effect on purchasing decisions, brand image has no significant effect on purchasing decisions, product quality has a significant effect on buying interest, brand image has a significant effect on buying interest, buying interest has a significant effect on purchasing decisions, product quality has a significant effect on purchasing decisions through buying interest, and brand image has a significant effect on purchasing decisions through buying interest.</em></p> Fadila Ahmad Ida Hidayanti Johan Fahri Copyright (c) 2022 fadila-ahmad fadila-ahmad https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 240 258 10.22515/jmif.v2i2.5244 IMPLEMENTATION OF QUALITY FUNCTION DEPLOYMENT (QFD) IN UD. PRODUCTION FURNITURE TO DESIGN SCANDINAVIAN STYLE WARDROBE PRODUCTS https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5231 <div class="page" title="Page 1"> <div class="layoutArea"> <div class="column"> <p><em>The product is an important aspect for the company because it is what the company can produce for consumers. The products created by the company must meet consumers’ wants and needs. Therefore, consumer’s wants and needs are important aspects of the company that can be reviewed to improve product quality at the company. This study aims to determine the implementation of the Quality Function Deployment (QFD) method as a problem-solving solution in designing Scandinavian-style wardrobe products at UD. Furniture Production. This research was conducted using a quantitative method with a few qualitative methods to conduct a survey related to the voice of desire and consumer satisfaction. This data collection technique used interview methods and questionnaires. Meanwhile, the sampling technique used a non-probability sampling technique, namely consumers or customers from UD. Furniture Production.</em></p> </div> </div> </div> Hanifah Juliyanti Copyright (c) 2022 Hanifah Juliyanti https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 259 277 10.22515/jmif.v2i2.5231 LEVEL OF INFLATION AND GDP ON DOMESTIC INVESTMENT IN SOUTH KALIMANTAN OF 2017-2020 PERFORMANCE BASED ON ISLAMIC ECONOMIC PERSPECTIVE https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5018 <p><em>This research aims to determine and analyze the effect of the inflation rate and GDP on domestic investment levels in South Kalimantan. This type of research is a quantitative research with data collection methods used are secondary data in the form of time series data taken from the official website of BPS South Kalimantan. The research sample used was for 4 years from 2017 until 2020 period. To test the hypothesis, this research uses multiple linear regression analysis method through the Eviews 9 program. The results obtained in this study indicate that the inflation rate and GDP variable are able to explain the variable domestic investment of 14.35% and the remaining 85.65% explained by other variables outside the research. In the F-test, the inflation rate variable and GDP variable has a significant effect on the domestic investment variable. Then at the t-test, the inflation rate variable has a negative effect on the domestic investment variable. Meanwhile, the GDP variable has a positive effect and significant on the domestic investment variable.</em></p> Lisda Aisyah Zaki Mubarak Halimatus Sa'diah Muhammad Ramadhani Copyright (c) 2022 Lisda Aisyah, Zaki Mubarak, Halimatus Sa'diah, Muhammad Ramadhani https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 278 293 10.22515/jmif.v2i2.5018 THE EFFECT OF PRODUCT QUALITY AND SALES PROMOTION ON CONSUMER PURCHASE DECISIONS WITH SATISFACTION AS A MEDIATION VARIABLE IN ALAS COFFEE, TEMBARAK DISTRICT, TEMANGGUNG REGENCY https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5307 <p><em>The research entitled The Effect of Goods Quality and Sales Promotion on Purchase Decisions with Satisfaction as a Mediation Variable in Alas Coffee, Tembarak District, Temanggung Regency, aims to determine the effect of goods quality on consumer purchasing decisions, determine the effect of sales promotion on purchasing decisions, determine the effect of product quality and sales promotion together on consumer purchasing decisions at Alas Coffee Temanggung and determine the effect of product quality and promotion on purchasing decisions with satisfaction as a mediation. The research method used descriptive and quantitative methods. The population in this study were consumers who use coffee sales services at Alas Coffee Temanggung. The survey results while Alas Coffee consumers reached 200 people. The number was 50% of the population, so the number of samples was 100 respondents. The results show that product quality has a significant effect on purchasing decisions, promotion has a significant effect on purchasing decisions, product quality and promotion together has a significant effect on purchasing decisions at Alas coffee. Product quality has a significant effect on purchasing decisions at pedestal coffee with satisfaction as a mediation and promotion has a significant effect on purchasing decisions at Alas coffee with satisfaction as a mediation.</em></p> Chrisdinata Adi Mahendra Ambar Lukitaningsih Lusia Tria Hatmanti Hutami Copyright (c) 2022 Chrisdinata Adi Mahendra Chrisdinata, Ambar Lukitaningsih Ambar , Lusia Tria Hatmanti Hutami3) https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 294 309 10.22515/jmif.v2i2.5307 THE ROLE OF ONLINE CUSTOMER REVIEWS IN INCREASING IMPULSIVE PURCHASE OF FASHION PRODUCTS ONLINE WITH CUSTOMER TRUST AS A MEDIATOR https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5279 <p><strong><em>Abstract</em></strong></p> <p><em>Penelitianinibertujuanuntukmengetahuihubunganantara online consumer review terhadap trust, hubunganantara trust terhadappembelianimplusif, dan hubunganpembelian online consumer review terhadappembelianimplusifdengan trust sebagai mediator.Penelitianinidilakukan pada tahun 2022. Populasinyaadalahkonsumen yang mempunyaipengalamandalamberbelanja online melalui media sosialataupunaplikasibelanja online lainnya di Indonesia. Sampel yang digunakandalampenelitian Structural Equation Model (SEM) kali iniadalah 400 responden. Data yang digunakanadalah data primer. Pengumpulandatanyamelaluiteknikkuisioner.Hasil daripenelitianmenyimpulkantigatemuan. Pertama, online consumer review berpengaruhsignifikanterhadapkepercayaan (trust).Artinya,semakinbanyakkonsumenmembaca online consumer review, makasemakintinggikepercayaankonsumenterhadapproduk dan penjual online tersebut. Kedua, trust (kepercayaan) berpengaruhsignifikanterhadapkeputusanpembelian impulsive.Artinya,semakintinggitingkatkepercayaankonsumen pada produkmakasemakintinggikemungkinankonsumenuntukmembeliproduktersebut. Ketiga, online consumer review berpengaruhsignifikanterhadappembelianimpulsifdengan trust sebagai mediator.Artinya,semakinbanyakkonsumenmembaca online consumer review, makasemakintinggikemungkinanterjadinyapembelianimpulsif, didukungdenganadanya trust yang sangatmempengaruhivariabeldiantarakeduanyayaituantara online consumer review terhadap trust dan trust terhadappembelianimplusif.&nbsp; </em></p> Anisaul Karimah Hilal Septin Puji Astuti Copyright (c) 2022 Anisaul Karimah Hilal https://creativecommons.org/licenses/by-sa/4.0 2022-12-31 2022-12-31 2 2 310 323