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> en-US <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> fitri.wulandari@iain-surakarta.ac.id (Fitri Wulandari) andiarifrifai@iain-surakarta.ac.id (Andi Arif Rifa'i) Sat, 30 Jul 2022 00:00:00 +0700 OJS 3.3.0.8 http://blogs.law.harvard.edu/tech/rss 60 THE EFFECT OF MARKETING MIX, SELF-SERVICE TECHNOLOGY, AND DIGITAL BANKING ON CUSTOMER SATISFACTION AT INDONESIAN SHARIA BANK PEKALONGAN PEMUDA https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/4922 <p><em>Indonesian Sharia Bank has a growing number of customers every year. The increase in customers is not matched by the quality of service in the form of customer satisfaction. Customer satisfaction is still an obstacle to maximizing Islamic banks' profits. This study aims to examine the influence of marketing mix, self-service technology, and digital banking on customer satisfaction at Indonesian Sharia Bank of Pekalongan Pemuda Branch. The sample was 100 respondents from a population of 48,200. The sample used simple random sampling. The method used a questionnaire. Instrument testing, classical assumption analysis, multiple linear regression analysis, and hypothesis testing were used to analyze the data. The results of the analysis conducted on customer satisfaction at Indonesian Sharia Bank of Pekalongan Pemuda Branch, include the self-service technology effect where t<sub>count</sub>&lt;t<sub>table</sub> is 0.00&lt;0.05, so H0 and Ha are accepted. Moreover, digital banking variables, have an effect where t<sub>count</sub>&lt;t<sub>table</sub> is 0.00&lt;0.05, then H0 and Ha are accepted on customer satisfaction. However, the marketing mix has no effect where t<sub>count</sub>&gt;t<sub>table </sub>is 0.128&gt;0.05, so H0 and Ha are rejected on customer satisfaction. The results show the 3 variables dependent with a significant value of 0.000&lt;0.50 on Customer Satisfaction.</em></p> Hendri Hermawan Adinugraha, Mochamad Yusuf, Muhammad Taufiq Abadi Copyright (c) 2022 MOCHAMAD YUSUF https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/4922 Wed, 29 Jun 2022 00:00:00 +0700 THE INFLUENCE OF TRAINING ROLES, SELF-EFFICACY, CREATIVE PROBLEM-SOLVING ON IMPROVING EMPLOYEE PERFORMANCE https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/4346 <p><em>Employee performance is an essential component of comparing a company with its employees to achieve productive and efficient results. It can be found in any organization, especially in the Bantul Trade Service. This quantitative study aims to find information about training, self-efficacy, creative problem solving on the performance of employees in the Bantul Trade Service. At the same time, 57 employees were involved in the study, with 34 state civil apparatus and 30 contract employees.</em><em> The research procedure used is a sample saturated with the amount available. The information collected by the questionnaire is then processed and evaluated using SPSS 24, a descriptive statistical system. The findings of this study showed that the training did not have a positive or significant impact on the performance of employees at the Bantul trade service. The absence of training offered by the Department to each employee affects this issue. Self-efficacy and creative problem solving, on the other hand, have a beneficial and considerable impact on employee performance. To improve employee performance at the Bantul Trade Office, training, self-efficacy, and creative problem solving must be maximized through suitable training and education for staff</em>.</p> Afifah Gusti Layyinah, Didik Subiyanto Copyright (c) 2022 Afifah Gusti Layyinah, Didik Subiyanto https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/4346 Wed, 29 Jun 2022 00:00:00 +0700 MEDIATION OF ORGANIZATIONAL COMMITMENT: EFFECT OF PERCEIVED ORGANIZATIONAL SUPPORT ON ORGANIZATIONAL CITIZENSHIP BEHAVIOR OF PUBLIC SERVICE EMPLOYEES https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5230 <div class="page" title="Page 1"> <div class="layoutArea"> <div class="column"> <p><em>Organizational citizenship behavior by mediating organizational commitment. The sample used is non- probability sampling with purposive sampling as many as 100 respondents of civil servants throughout Boyolali Regency. This study uses quantitative research methods using questionnaires as data collection materials which were analyzed with the help of IBM SPSS Software Version 23. The results of this study prove that perceived organizational support has a positive and significant effect on organizational citizenship behavior, organizational commitment. positive and significant effect on organizational citizenship behavior, and organizational commitment mediates the relationship between perceived organizational support and organizational citizenship behavior.</em></p> </div> </div> </div> Ega Putri Puspa Sari Copyright (c) 2022 Ega Putri Puspa Sari https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5230 Wed, 29 Jun 2022 00:00:00 +0700 THE INFLUENCE OF HIJAB FASHION TRENDS ON CONSUMPTIVE BEHAVIOR OF ISLAMIC BANKING STUDENTS AT IAIN PEKALONGAN https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5114 <p><em>Fashion is an important thing in the lives of teenagers and adults. Fashion is considered to provide a reflection of each person. The development of the hijab fashion trend is also developing among Muslims, especially among female students. The desire to follow the hijab fashion trend causes extravagant behaviour to support appearance. The purpose of this study is to analyze the effect of hijab fashion trends on the consumptive behaviour of Islamic Banking students at IAIN Pekalongan. The method used in this study was a qualitative method using a phenomenological approach and data collection using the methods of observation, interviews, and documentation. Meanwhile, the research subject was Islamic Banking student taken by purposive sampling method. The results of this study indicate that the hijab fashion trend has a significant influence on the consumptive behaviour of Islamic Banking students. The consumptive behaviour of female students is shown by the hijab worn on campus with various styles that are trends and a waste of buying hijab with the desire to fulfil their fashion style so that they can look attractive when leaving for campus.</em></p> Fikri Amalia Rosyada, Hendri Hermawan Adinugraha Copyright (c) 2022 Fikri Amalia Rosyada, Hendri Hermawan Adinugraha https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5114 Wed, 29 Jun 2022 00:00:00 +0700 THE EFFECT OF HALAL LABEL, PRODUCT QUALITY, BRAND IMAGE, AND PROMOTION ON THE PURCHASE DECISION OF HERBAL PRODUCTS https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5235 <p><em>Study this aim for know effect of halal label, quality product, image brand and promotion to decision purchase herbal product international network herbal antidote to al wahida Indonesia (HNI-HPAI) marketing area of Bolon Colomadu Karanganyar. Study this use approach quantitative with population inhabitant Bolon Colomadu village Karanganyar , sample taken with use formula slovin and technique taking sample use random sampling . Data analysis with using multiple linear regression model. Research results this by Partial influential variable only promotion whereas by Partial halal label variable , quality product , and image brand influential no significant to decision purchase HNI-HPAI products in the Colomadu Bolon Marketing Area Karanganyar.</em></p> Irwany Handayani Copyright (c) 2022 Irwany Handayani https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5235 Wed, 29 Jun 2022 00:00:00 +0700 RISK PERCEPTION OF CONSUMERS' WILLINGNESS TO BUY SHARIA INSURANCE PRODUCTS AS A FORM OF SHARING OF RISK ACTION https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5234 <p>This study aims to analyze the influence of risk perception on consumers' willingness to buy Sharia insurance in Wonogiri Regency. This research is included in quantitative research. The population of this study is a resident of Wonogiri district who is Muslim. The sample collected in this study was as many as 100 respondents. Sample selection technique is to use purposive sampling where the sample is determined based on certain criteria. SmartPLS 3.0 is used in research as an analytical tool. The results of this study show that (1) The chance of disaster has no effect on the willingness to buy Sharia insurance. (2) The chance of disaster has a significant positive effect on the fear of the individual. (3) Individual fear has a significant positive effect on the willingness to buy Sharia insurance. (4) Individual fears mediate between the chance of disaster and the willingness to buy Sharia insurance. (5) Experience has a significant positive effect on the willingness to buy Sharia insurance. (6) Experience has no effect on individual fears. (7) The fear of individuals is not able to mediate between experience and willingness to buy Sharia insurance.</p> Sekarwati Saputro Copyright (c) 2022 Sekarwati Saputro https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5234 Wed, 29 Jun 2022 00:00:00 +0700 THE EFFECT OF PRODUCT INNOVATION AND SERVICESCAPE ON CUSTOMER LOYALTY THROUGH CUSTOMER SATISFACTION AT LAIN HATI COFFEE SHOP IN TERNATE https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5242 <p><em>This study aims to determine the effect of product innovation and servicescape on customer loyalty through customer satisfaction. This research was a quantitative research. The population in this study was the other coffee consumers in the city. The number of research samples was 140 respondents. The data analysis technique in this research used path modeling analysis using Smart Partial Least Square (PLS) version 3 as a statistical test tool. The results of this study indicate that: (1) Product innovation has no significant effect on customer loyalty; (2) Servicescape has a significant effect on customer loyalty; (3) Product innovation has a significant effect on customer satisfaction; (4) Servicescape has a significant effect on customer satisfaction; (5) Customer satisfaction has a significant effect on customer loyalty; (6) Product innovation has a significant effect on customer loyalty through customer satisfaction; (7) Servicescape has no significant effect on customer loyalty through customer satisfaction.</em></p> Nurul Syafa Gani, Ida Hidayanti, Ririn Damayanti Copyright (c) 2022 Nurul Syafa Gani, Ida Hidayanti, Ririn Damayanti https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5242 Wed, 29 Jun 2022 00:00:00 +0700 INTERMEDIATION OF ISLAMIC COMMERCIAL BANKS IN REAL TIME GROSS SETTLEMENT TRANSACTIONS OF ISLAMIC BANKING IN INDONESIA https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5183 <p><em>BI-RTGS is transferring funds with an essential function in the payment system and third-party funds as a factor to meet the current account balance which is a condition for BI-RTGS transactions. Bank financing is considered to be able to affect the number of BI-RTGS transactions. This research used 14 Islamic commercial banks registered as BI-RTGS participants. The results show that Islamic Commercial Bank Third Party Funds have a partial effect on the nominal amount of BI-RTGS transactions. Islamic Commercial Bank Financing has a partial effect on the nominal amount of BI-RTGS transactions. Third Party Funds and Islamic Commercial Bank Financing simultaneously affect the nominal amount of BI-RTGS transactions. In the determination coefficient test, the R Square value of third-party funds is 11.3% and financing is 4.1%. This means that the influence of third party funds is greater than the amount of the influence of financing on the nominal amount of BI-RTGS transactions in Islamic Banking in Indonesia.</em></p> Muhamad Halik, Akhmad Nur Zaroni, Dedy Mainata Copyright (c) 2022 Muhamad Halik, Akhmad Nur Zaroni, Dedy Mainata https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5183 Wed, 29 Jun 2022 00:00:00 +0700 THE ROLE OF ALTRUISTIC AND HEDONIC VALUE IN INCREASING GREEN PURCHASE INTENTION: MEDIATION PRO - ENVIRONMENTAL BEHAVIOR https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5229 <div class="page" title="Page 1"> <div class="layoutArea"> <div class="column"> <p><em>The purpose of this study is to determine the direct and indirect effect of altruistic value and hedonic value on green purchase intention as well as the effect of pro-environmental behavior on green purchase intention. The population in this study were university students in Surakarta. Sampling used purposive sampling technique with a total of 105 respondents of university students in Surakarta who have been or are willing to use green cosmetic. Methods of data collection was done by distributing questionnaires. The test tool used SPSS v.23 with data analysis using Path Analysis (a combined model of multiple regression model and mediation model). The results of this study indicate that altruistic value has a positive and significant effect on pro-environmental behavior, altruistic value has a positive and significant effect on green purchase intention, hedonic value has a positive and significant effect on pro-environmental behavior, hedonic value has no positive and significant effect on green purchase intention, pro-environmental behavior has a positive and significant effect on green purchase intention. Pro-environmental behavior has been shown to mediate the effect of altruistic value on green purchase intention, pro-environmental behavior has been shown to mediate the effect of hedonic value on green purchase intention.</em></p> </div> </div> </div> Diah Adestia Copyright (c) 2022 Diah Adestia https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5229 Wed, 29 Jun 2022 00:00:00 +0700 THE EFFECT OF LIFESTYLE AND STORE ATMOSPHERE ON CONSUMER PURCHASE DECISIONS THROUGH PURCHASE INTEREST OF INDOMARET IN TERNATE https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5243 <p><em>This study aims to determine the effect of lifestyle and store atmosphere on consumer purchasing decisions through purchase interest. This research was a quantitative research. The population in this study was Indomaret consumers in Ternate City with a non-probability sampling method and a purposive sampling approach. The data analysis technique in this research used path modeling analysis using smart Partial Least Square (PLS) version 3 as a statistical test tool. The results of this study indicate that lifestyle has a significant effect on purchase decisions, store atmosphere has a significant effect on purchase decisions, lifestyle has a significant effect on puerchase interest, store atmosphere has a significant effect on purchase interest.</em></p> Ayu Qur'naesih Rusdiyanto, Ida Hidayanti, Ririn Damayanti Copyright (c) 2022 Ayu Qur'naesih Rusdiyanto, Ida Hidayanti, Ririn Damayanti https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/5243 Wed, 29 Jun 2022 00:00:00 +0700