Portal Jurnal (Institut Pesantren KH Abdul Chalim Mojokerto)
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The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan
No full textThe purpose of this study was to determine the effect of financing margin on customer decisions to finance BSI Pensiun Berkah. To determine the effect of religiosity on customer decisions to finance BSI Pensiun Berkah. To determine the influence of family on customer decisions to finance BSI Pensiun Berkah. To determine the effect of financing margin, religiosity, and family simultaneously on customer decisions to finance BSI Pensiun Berkah. In this study, the population used was pre-retired civil servant customers in Padangsidimpuan whose number was not known for certain. The research sample is part of the number and characteristics of the population. Because the researcher does not know for sure the number of pre-retirement customer populations who finance at BSI KC Padangsidimpuan, the researcher used the Lemeshow formula. So in this study, the researcher used a minimum sample size of 96 respondents who had financed at Bank Syariah Indonesia KC. Padangsidimpuan. This research method uses an associative approach and the research method used is quantitative which is based on the philosophy of positivism and uses the assistance of the IBM SPSS version 24 application program. This study used a questionnaire with a sample of 96 respondents. The results of the study indicate that financing margin, religiosity, and family simultaneously influence the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, as with the results of the F-Test. Based on the results of the T-Test, the financing margin variable obtained 0.632, then the religiosity variable obtained 1.986 and the family variable obtained 4.478. So it can be concluded that only the family variable has a significant positive effect on the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, because of the three variables, only the family variable obtained a value greater than the T-table of 1.986
Online Impulse Buying: The Application of Srimulus-Organism-Response Model
No full textThis study investigates the application of the Stimulus-Organism-Response (S-O-R) model to understand how social media marketing influences online impulse buying among Generation Z fashion consumers. Social media marketing activities, including interaction, entertainment, trendiness, word-of-mouth, and personalization, are considered as the stimulus, while impulse buying intention is the dependent variable. Brand resonance and emotional response serve as mediators and social network proneness acts as a moderator. Data was collected through online questionnaires to ensure reliability and consistency. The analysis was performed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS, which validated the measurement and structural relationships. The results reveal that while social media marketing activities influence emotional responses and brand resonance, these factors alone do not directly drive impulse buying. Instead, emotional responses, particularly positive emotions, have a stronger impact on impulse buying intentions. Social network proneness also plays a role in making consumers more responsive to recommendations, though it does not mediate the relationship between marketing activities and purchase intentions. The study highlights the complexity of online impulse buying behavior, with emotional and situational factors being crucial drivers. Limitations include a sample focused on a specific demographic in the fashion industry, which may affect generalizability. Future research should explore generational differences, psychological motivations, and the impact of technology and visual content, as well as investigate other moderators influencing impulse buying behavior
Utilizing Marhun Bih Based on Mutual Agreement According to Hanafi Fiqh and Syafi'i Fiqh (Case Study of Pegadaian Syariah Branch AR. Hakim Branch, Medan Area District, Medan City)
No full textThe utilization of Rahn collateral in the view of the Shafi'i madhhab and the Hanafi madhhab is very different whereas the Shafi'i madhhab tends to prohibit this implementation because it is feared that there is usury fadhli in its implementation. The Hanafi school of thought carries it out because it considers that this can be done as long as there is permission from the owner of the rahn collateral. This research uses empirical methods and a living case study approach, as well as a conceptual approach. This research took place at Pegadaian Syariah AR Hakim Branch. The results showed that in the provisions of the utilization of collateral, especially. The Shafi'i school of thought puts forward that the use and utilization of Rahn collateral cannot be carried out even with permission. However, according to the Hanafi school, it can be carried out if you get permission from the rahnun at the beginning of the contract. In its relevance in Pegadaian Syari'ah AR Hakim Branch in Medan City itself, the implementation of the utilization of Rahn collateral itself uses the principles of the Hanafi school of thought. Not only that, if you look at the relevance, of the implementation of the utilization of Rahn collateral itself in the community of Medan City, the Hanafi school is more relevant than the Shafi'i school even though the majority of adherents in Medan City are the Shafi'i school. This is due to the habit of the people of Medan City who consider the utilization of rahn collateral to be commonplace as long as no damage occurs
The Effect of Perceived Ease of Use, Free Shipping Program, and E-Servicescape on E-Satisfaction (Study on Alfagift Application Users in Surabaya)
Full text linkBusinesses evolve, and retail is no exception. Companies must have the right strategy amid the digital era and understand consumer needs to win the competition in an increasingly tight market. One of the things that companies must pay attention to is consumer habits in shopping online. This study aimed to determine and analyze the effect and significance of perceived ease of use, free shipping program, and e-Servicescape simultaneously and partially on e-satisfaction in Alfagift application users in Surabaya. Quantitative is the type of research used in this study. The number of samples needed is 150 respondents who were taken using purposive sampling which is part of the non-probability sampling technique. Primary data is the type of data used, which is taken from distributed questionnaires. Multiple linear regression analysis is a data analysis technique in this study. The research findings show that: (1) perceived ease of use, free shipping program, and e-Servicescape simultaneously have an effect and are significant on e-satisfaction; (2) perceived ease of use and e-Servicescape partially have an effect and are significant on e-satisfaction; and (3) free shipping program partially has no effect and is not significant on e-satisfaction
The Effect of Environmental Performance and Governance Performance on the Cost of Debt Mediated by Tax Avoidance
Full text linkThis study examines the effect of environmental and governance performance on the cost of debt, with tax avoidance as a mediating variable. This study is motivated by the concern about the sustainability aspect of companies, which is now increasingly crucial in credit risk assessment by creditors. The population of this study is basic materials sector companies listed on the Indonesia Stock Exchange during the period 2020–2023. This study uses a quantitative method with purposive sampling, a sample size of 12 companies, and 4 years of observation. Data were collected from annual financial and sustainability reports and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results of the study indicate that environmental performance and tax avoidance affect the cost of debt, governance performance affects tax avoidance, environmental performance does not affect tax avoidance, governance performance does not affect the cost of debt, tax avoidance does not mediate the relationship between environmental performance and governance performance on the cost of debt. The study contributes both theoretically, by clarifying the limits of tax avoidance as a mediator, and practically, by offering insights for creditors and managers evaluating financing risks
The Impact of ESG Score on Company Value in Southeast Asia: The Role of Competitive Advantage as a Moderating Variable
Full text linkThis study examines the impact of Environmental, Social, and Governance (ESG) scores on firm value in Southeast Asia, with a focus on how competitive advantage influences this relationship. Using panel data from 90 publicly listed companies across five ASEAN countries (Indonesia, Malaysia, the Philippines, Singapore, and Thailand) from 2018 to 2023, the research applies fixed-effects regression models to analyze the data. Tobin’s Q is used as a proxy for firm value, while ESG scores are obtained from Refinitiv. Competitive advantage is measured using operational efficiency indicators.The results show that higher ESG scores have a negative effect on firm value, which contradicts the common belief that ESG practices improve corporate valuation. This suggests that ESG implementation may impose additional costs or operational constraints, especially in emerging markets where regulations and awareness are still developing. However, competitive advantage plays a moderating role in this relationship. Firms with strong competitive positions are better able to manage ESG-related risks and costs, helping to reduce the negative impact on firm value. These findings highlight the importance of aligning ESG strategies with a company's core strengths to ensure sustainability efforts do not harm financial performance. Investors should consider both ESG performance and competitive positioning when making decisions. Policymakers are encouraged to design ESG regulations that support sustainability without negatively affecting firm valuation. This study contributes to the growing literature on ESG performance in emerging markets and offers practical insights for firms, investors, and regulators in Southeast Asia. Future research can explore other moderating factors such as industry type, macroeconomic conditions, and regulatory environments
Service Quality and E-Health Literacy Impact on Elderly Patient Loyalty at Hospital X
Full text linkThe aging population increasingly relies on healthcare services, demanding hospitals to identify factors influencing elderly patients' revisit intentions. However, limited studies integrate service quality and digital literacy factors. Thus, this research addresses how service quality dimensions and e-health literacy affect elderly patients' revisit intentions mediated by customer perceived value (CPV) and customer satisfaction (CS). The objectives were to examine the direct and indirect effects of service quality and e-health literacy on revisit intention, with CPV and CS as mediators. A cross-sectional survey employing standardized questionnaires was conducted among approximately 300 elderly outpatients at Hospital X. Partial Least Squares Structural Equation Modeling (PLS-SEM) was utilized to analyze the data. Results demonstrated significant positive effects of service quality on both CPV and CS, while e-health literacy positively influenced CPV. CPV significantly predicted CS, and CS was the strongest predictor of revisit intention, fully mediating the effects of service quality and CPV on revisit intention. The key significant path coefficients were service quality to satisfaction (β ≈ .50, p<.01), CPV to satisfaction (β ≈ .60, p<.01), and satisfaction to revisit intention (β ≈ .52, p<.001). These findings highlight the crucial role of enhancing service quality and e-health literacy among elderly patients to improve their perceived value and satisfaction, ultimately increasing revisit intentions. The implications suggest healthcare management should prioritize high-quality services and digital health literacy programs for elderly patients
Enhancing Public Participation in Government-Operated Online Auctions: An Empirical Analysis of Purchase Intention Determinants on Lelang.go.id
Full text linkThe development of online auctions as part of the digital transformation of public services highlights the importance of studying the factors that influence users' purchase intentions towards government auction platforms, particularly lelang.go.id, in light of the relatively low level of public participation. By integrating the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB), this study aims to analyze the factors that shape users' purchase intentions on lelang.go.id by investigating the relationships between website design, trust, perceived ease of use, perceived usefulness, attitude, subjective norms, and perceived behavioral control on purchase intention, as well as testing the moderating role of perceived risk in the relationship between trust and purchase intention. A quantitative survey was conducted on 276 active users of lelang.go.id, and the data were analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. The research results show that subjective norms, attitude, and perceived behavioral control have a significant direct influence on purchase intention, while trust does not have a direct influence but plays a role through perceptual mediation. Additionally, perceived risk was not proven to significantly moderate the relationship between trust and purchase intention. These findings underscore the importance of strategies to improve website design quality, information transparency, and the strengthening of trust and public perception to enhance the adoption of online auction systems
Gen Z Job Satisfaction: Leadership, Work Communication, and Collectivism Effects
Full text linkJob satisfaction plays a crucial role in professional settings, particularly as it reflects the effectiveness of individual performance and overall employee well-being. In the context of Generation Z employees working in large manufacturing industries, understanding the factors influencing job satisfaction is essential to improving productivity and retention. This study investigates the relationship between spiritual leadership style, work communication, and organizational collectivism with job satisfaction among Gen Z employees in Cirebon Regency. Specifically, it explores the moderating effect of organizational collectivism on the relationships between spiritual leadership and job satisfaction, and between work communication and job satisfaction. Data were collected through a questionnaire distributed to 200 respondents, with 181 valid responses analyzed using Moderated Regression Analysis (MRA) via SPSS. The findings reveal that both spiritual leadership and work communication significantly and positively affect job satisfaction. Furthermore, organizational collectivism strengthens these relationships, indicating its critical role in enhancing the impact of leadership and communication on job satisfaction. These insights can guide organizations in designing effective leadership and communication strategies while considering cultural dynamics to support Gen Z employee satisfaction
SDGs Social Disclosure: Symbolic and Substantive Analysis of Islamic Banks 2021–2023
Full text linkThis study investigates how five Indonesian Islamic banks (BSI, BMI, BTPS, BAS, and PDSB) disclose social aspects in their sustainability reports from 2021 to 2023. The analysis focuses on GRI indicators 401–419 that are aligned with the social pillar of the Sustainable Development Goals (SDGs), specifically SDG 4, 5, 10, 11, 16, and 17. Employing qualitative content, thematic, and constant comparative analysis, the study utilizes indexing based on five criteria: quantitative disclosure, concrete actions, specificity and relevance, consistency, and transparency. The findings reveal that BMI, BSI, and BTPS demonstrate high levels of commitment, as indicated by indexing results of 60–80%, 52–57%, and 45–50%, respectively. These disclosures are supported by valid and strong evidence, indicating substantive reporting. In contrast, BAS and PDSB show lower levels of commitment, with indexing scores of 0–54% and 0%, respectively. The narrative content in their disclosures lacks solid supporting evidence, suggesting a symbolic rather than substantive reporting. From the perspective of institutional theory, BSI, BMI, and BTPS reflect the influence of coercive and normative pressures, as shown by compliance with regulations such as POJK 51/2017 and the consistent adoption of the GRI-based reporting structure. Conversely, BAS and PDSB are more influenced by coercive and mimetic pressures, demonstrated by minimal disclosures that tend to imitate other reports without internalizing sustainability principles