International Journal of Information System and Innovation Management (IJISIM)
Aims and Scope International Journal of Information System and Innovation Management (IJISIM) (P-ISSN: 3026-5134 | E-ISSN: 3026-5126) is an international peer-reviewed scientific journal published by Yayasan Pendidikan Islam Al-Matani. The journal provides a scholarly platform for researchers, academics, practitioners, policymakers, and industry professionals to disseminate original research, review articles, conceptual papers, and case studies in the fields of Information Systems, Technology Management, Innovation Management, and Digital Transformation. IJISIM aims to advance knowledge and practice by publishing high-quality research that explores how information systems, emerging technologies, digital innovation, and technology management contribute to organizational performance, business competitiveness, public services, sustainable development, and societal transformation. The journal particularly emphasizes the strategic, managerial, organizational, and governance aspects of information systems rather than purely technical or algorithmic contributions. The journal is published twice a year (June and December) and welcomes interdisciplinary research from academia, industry, and government. Manuscripts may employ qualitative, quantitative, mixed-methods, experimental, design science, or systematic review approaches. IJISIM welcomes submissions in, but not limited to, the following areas: Information Systems Management Information Systems Strategy Enterprise Information Systems Management Information Systems (MIS) Decision Support Systems Executive Information Systems Enterprise Resource Planning (ERP) Customer Relationship Management (CRM) Supply Chain Information Systems Business Process Management Knowledge Management Systems Technology and Innovation Management Technology Management Innovation Management Digital Innovation Research and Development Management Technology Commercialization Innovation Ecosystems Open Innovation Technology Adoption and Diffusion Organizational Innovation Innovation Strategy Technology Foresight Digital Transformation Digital Transformation Strategy Digital Business Transformation Smart Organizations Digital Leadership Digital Maturity Industry 4.0 Society 5.0 Smart Cities Digital Government E-Government Digital Public Services Information Technology Governance IT Governance Information Security Management IT Risk Management IT Service Management Data Governance Cybersecurity Governance Information Privacy Regulatory Compliance Technology Policy Business Analytics and Intelligent Systems Business Intelligence Business Analytics Data Analytics Big Data Management Artificial Intelligence for Management Machine Learning Applications Predictive Analytics Decision Analytics Intelligent Information Systems Digital Business and Emerging Technologies Digital Business Electronic Commerce Financial Technology (FinTech) Digital Marketing Technologies Platform Economy Internet of Things (IoT) Cloud Computing Blockchain Applications Smart Technologies Mobile Business Organizational and Human Aspects of Information Systems Human–Computer Interaction User Experience Technology Acceptance Information Systems Adoption Change Management Organizational Learning Digital Skills Information Behavior Information Ethics Sustainability and Future Technologies Sustainable Information Systems Green Information Technology Sustainable Digital Innovation Smart Manufacturing Healthcare Information Systems Educational Information Systems Artificial Intelligence Governance Responsible Innovation Emerging Information Technologies IJISIM encourages research that integrates technological innovation with managerial perspectives and provides practical implications for organizations, industries, governments, and society. The journal particularly welcomes interdisciplinary studies that bridge information systems, technology management, innovation management, and strategic organizational development. https://suggestor.step.scopus.com/progressTracker/?trackingID=72D022C262A85CAE
Innovation in Sustainable Consumption: Exploring the Popularity of Thrifting among College Students in Indonesia
The growing popularity of thrifting among college students reflects a significant shift in consumer behavior toward more sustainable and innovative consumption practices. Once associated primarily with financial limitations, thrifting has evolved into a lifestyle that combines affordability, self-expression, environmental awareness, and digital engagement. This study aims to explore college students' perspectives on the thrifting phenomenon, identify the factors driving its increasing popularity, examine the main motivations underlying thrift shopping, and analyze the perceived quality and implications of using second-hand clothing. A qualitative descriptive approach was employed through a systematic literature review of scholarly articles, books, industry reports, and credible online sources related to sustainable fashion, circular economy, and consumer behavior. The collected data were analyzed using qualitative content analysis involving data reduction, thematic categorization, and interpretation. The findings reveal that students perceive thrifting as an innovative form of sustainable consumption that enables smart financial management, promotes individuality through unique fashion choices, and supports environmental sustainability by extending the lifecycle of clothing. The rapid growth of digital platforms, social media marketing, and access to affordable branded and vintage products further accelerate the adoption of thrifting among young consumers. Although concerns regarding hygiene and product safety remain, these challenges can be minimized through appropriate cleaning and sterilization practices. This study concludes that thrifting represents more than an economical shopping alternative; it is an innovation in sustainable consumption that integrates economic value, social identity, environmental responsibility, and digital culture. The findings contribute to the growing literature on sustainable fashion and provide practical insights for policymakers, educational institutions, and fashion industry stakeholders in promoting responsible consumption among younger generations.
Hak Cipta (c) 2026 International Journal of Information System and Innovation Management (IJISIM)
The Urgency of The Entrepreneurial Spirit among Young Generation
This article examines the urgency and importance of entrepreneurship education to overcome unemployment and poverty in Indonesia. One of the population problems in Indonesia is the still high unemployment and poverty rates. Various efforts to reduce unemployment and poverty have also been made by the Indonesian government, but the results have not been significant enough. Therefore, various efforts are needed to develop the entrepreneurial spirit among the Indonesian people. One of the efforts is to promote and organize entrepreneurship education. The development of digital technology has brought significant transformation in the world of entrepreneurship, opening up more inclusive and flexible business opportunities. This article discusses the importance of fostering an entrepreneurial spirit in the digital era, especially among the younger generation who actively use technology. An entrepreneurial spirit that includes the courage to take risks, the ability to innovate, and the readiness to adapt is key to facing modern business challenges.
Strategies for Transforming Waste into Creative Business Opportunities from a Circular Economy Perspective in Indonesia
The shift from a linear to a circular economic model demands innovation in waste management. This article analyzes the potential of waste as raw material for creative industries in Indonesia. By using a descriptive qualitative approach based on a literature review of various research journals, it was found that the integration of circular economy principles through product innovation, resource efficiency, and strengthening community institutions such as the Waste Bank was able to create significant added economic value. The analysis results show that the recycling and product innovation variables contribute 98.3% to the successful implementation of a circular economy. This article recommends strengthening Extended Producer Responsibility (EPR) regulations and market education
The Impact of Fear of Missing Out (FoMO) and Materialism on Financial Stress Among Students at Public Universities: The Moderating Role of Religiosity
This study aims to examine the effects of Fear of Missing Out (FOMO) and materialism on college students’ financial stress and to analyze the moderating role of religiosity in these relationships. The study was motivated by the increasing influence of digital lifestyles and consumerist behavior among college students, as well as the limited empirical studies integrating psychological and spiritual factors into a comprehensive framework. A quantitative approach was employed involving 200 students from a state university in Pekanbaru City selected through purposive sampling. Data were collected using a structured questionnaire based on a Likert scale and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings reveal that FOMO and materialism have a positive and significant effect on students’ financial stress, indicating that higher levels of social comparison and material-oriented values contribute to greater financial pressure. Furthermore, religiosity moderates the effects of FOMO and materialism by weakening their influence on financial stress. These results suggest that psychological factors play a dominant role in generating financial stress, while religiosity serves as a coping mechanism that helps students manage financial challenges. This study contributes to the financial psychology literature by integrating behavioral, cognitive, and spiritual dimensions and offers practical implications for value-based financial literacy and responsible consumer behavior among students.
Reimagining Healthcare Service Quality: A SERVQUAL-Based Analysis of Patient Satisfaction
Delivering patient-centered healthcare services requires continuous innovation in service quality management, particularly in primary healthcare institutions facing increasing service demand and resource constraints. This study aims to reimagine healthcare service quality by examining how the five SERVQUAL dimensions contribute to patient satisfaction at the Tembilahan City Community Health Center, Indragiri Hilir Regency. A qualitative field research design was employed using direct observation, semi-structured interviews, and document analysis to capture the perspectives of healthcare providers and patients. The findings reveal that the health center demonstrates satisfactory performance across the dimensions of tangibles, reliability, responsiveness, assurance, and empathy, indicating a generally positive level of patient satisfaction. Nevertheless, several structural and operational challenges remain, including inadequate facilities, high patient volumes, shortages of human resources, and inefficiencies in administrative services, which limit the delivery of fully patient-centered care. The study contributes by providing a SERVQUAL-based qualitative evaluation that identifies priority areas for service innovation in primary healthcare. These findings offer practical insights for healthcare managers and policymakers in designing strategies to strengthen service quality and improve patient satisfaction in community health centers.
The Role of Creativity and Innovation in The Success of Small Businesses in East Nusa Tenggara
This study aims to analyze the role of creativity and innovation in the success of small businesses in East Nusa Tenggara. The method used in this research is a literature review with a qualitative descriptive approach, utilizing various scientific journals as data sources. The results show that creativity plays a role in generating new ideas that can be developed into business opportunities, while innovation plays a role in implementing these ideas into products or services that have economic value. Furthermore, creativity and innovation simultaneously exert a significant influence on business success. Therefore, business actors must continuously cultivate creativity and innovation to survive and compete in the modern era.
Analysis of Entrepreneurship Strategies for Enhancing the Competitiveness of MSMEs Based on Local Wisdom
Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia’s economy, particularly in job creation and improving community welfare. However, amid globalization and increasingly competitive markets, MSMEs are required to enhance their competitiveness. This study analyzes entrepreneurial strategies for MSMEs based on local wisdom as an effort to improve competitiveness through the integration of culture, innovation, and digital technology. The research employs a qualitative descriptive approach using literature review from recent journals, books, and academic articles. The results indicate that leveraging local wisdom such as local raw materials, cultural values, and regional specialties combined with product innovation, cultural branding, digital marketing, and storytelling can create sustainable competitive advantages. Key challenges include low digital literacy, limited access to financing, and the risk of losing authentic cultural value. Therefore, government support, inter-MSME collaboration, and training programs are crucial for the successful implementation of these strategies.
Transforming Passion into Business: A Literature Review of Intrinsic Motivation and Creative Ideas in Entrepreneurial Venture Creation
Digitalization has become an unavoidable trend for Micro, Small, and Medium Enterprises (MSMEs) to ensure business sustainability and competitiveness in both domestic and international markets. However, MSMEs face significant organizational and technological barriers, including limited financial resources, lack of management support, and inadequate infrastructure. This study aims to analyze the influence of digital transformation, entrepreneurial motivation, and creativity on the market competitiveness of MSMEs. Using a qualitative literature review methodology, this research explores how technologies such as Artificial Intelligence (AI) and strategic agility function as enablers for innovation. The results indicate that digital transformation creates a new digital entrepreneurial ecosystem that enhances operational efficiency and market reach. Furthermore, intrinsic motivation and creativity are crucial internal factors that significantly drive the interest and success of entrepreneurs in navigating market uncertainties. The findings suggest that a synergy between visionary leadership, a supportive organizational culture, and robust technological infrastructure is essential for successful digital adaptation.
Assessing the Role of the Work Environment in Enhancing Employee Job Satisfaction: Insights from a Local Government Organization in Indonesia
This study is motivated by work environment problems in the Regional Secretariat General Administration Assistant Section of Indragiri Hilir Regency, including limited facilities, suboptimal workspace conditions, and relationship dynamics affecting employee job satisfaction. The study aims to analyze the effect of the work environment on employee job satisfaction. A quantitative survey method was applied. Data were collected through questionnaires from 65 respondents, supported by interviews, observation, and documentation. Analysis techniques included validity and reliability tests, simple linear regression, coefficient of determination, and t-test. Results indicate that the work environment has a positive and significant effect on employee job satisfaction. Comfortable workplaces, harmonious relationships, effective communication, and adequate facilities improve job satisfaction. Although some facility limitations remain, the overall work environment is categorized as good and supports employee performance. The conclusion shows that a better work environment increases employee job satisfaction in the institution. These findings highlight the importance of improving workplace conditions to enhance organizational effectiveness and employee satisfaction levels.
Capital Structure, Sales Growth, and CSR as Drivers of Financial Performance: Evidence from Indonesia's Food and Beverage Sector with Firm Size as a Moderator
This study was conducted to analyze the effect of capital structure, sales growth, and corporate social responsibility (CSR) on financial performance, with firm size functioning as a moderating variable in food and beverage subsector companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. The research applied a purposive sampling method and obtained 60 samples from a total population of 98 companies. The data were analyzed using panel data regression with EViews 12 software. The results demonstrate that capital structure positively affects financial performance, while sales growth and CSR negatively affect financial performance. Furthermore, firm size weakens the influence of capital structure but strengthens the influences of sales growth and CSR on financial performance. The coefficient of determination (R²) value of 60.56% signifies that the research variables collectively explain 60.56% of financial performance, whereas the remaining 39.44% is explained by other variables outside this study.
Brand Trust, Audience Engagement, and Interactivity as Determinants of Purchase Decisions in TikTok Live Commerce
The rapid growth of live streaming commerce has transformed consumer purchasing behavior, particularly among Generation Z users of TikTok Live. This study aims to examine the effects of brand trust, audience engagement, and interactivity on purchase decisions among TikTok Live consumers in Pekanbaru City. A quantitative research design was employed, with data collected through a structured questionnaire from 120 respondents who had previously made purchases via TikTok Live. The data were analyzed using multiple linear regression to test the proposed hypotheses. The results indicate that brand trust and audience engagement have a positive and significant effect on purchase decisions. These findings suggest that consumers are more likely to make purchasing decisions when they trust the brand and actively engage with live streaming content. In contrast, interactivity was found to have a positive but insignificant effect on purchase decisions, indicating that interactive features alone do not directly drive purchasing behavior without the support of trust and engagement. Overall, the research model explains 61.4% of the variance in purchase decisions. This study contributes to the literature on live streaming commerce by highlighting the dominant roles of brand trust and audience engagement in shaping purchase decisions within the TikTok Live context. Practically, the findings provide insights for marketers and sellers to focus on trust-building strategies and engagement-driven content to enhance sales performance in live streaming environments.
Hak Cipta (c) 2025 International Journal of Information System and Innovation Management (IJISIM)
Investment Knowledge, Risk Perception, and Income as Determinants of Students’ Investment Interest: Evidence from an Indonesian Islamic University
This study examines the effects of investment knowledge, risk perception, and income on students’ investment interest at the Faculty of Economics and Social Sciences, Universitas Islam Negeri Sultan Syarif Kasim Riau, Indonesia. A quantitative research design was employed, with primary data collected through questionnaires administered to 99 students selected using proportionate stratified random sampling. The data were analyzed using multiple linear regression with SPSS. The findings reveal that investment knowledge and income have positive and statistically significant effects on investment interest, whereas risk perception does not exhibit a significant influence. The coefficient of determination (R²) of 0.838 indicates that the proposed variables explain 83.8% of the variance in students’ investment interest, while the remaining 16.2% is attributable to other factors not included in this model. These results underscore the importance of strengthening financial literacy and improving students’ income capacity to enhance investment participation. Meanwhile, risk perception appears to be less influential, possibly due to students’ greater emphasis on expected returns. This study contributes to the empirical literature on investment behavior among university students and provides practical implications for higher education institutions and policymakers in promoting investment awareness and financial education.
Leadership, Entrepreneurial Characteristics, and MSME Performance: The Mediating Role of Interpersonal Communication
This study aims to examine the effects of leadership and entrepreneurial characteristics on business performance, with interpersonal communication serving as a mediating variable among Micro, Small, and Medium Enterprises (MSMEs) in Telukjambe Timur District, Karawang Regency. The study population comprised 147 MSME actors, from which a sample of 105 respondents was selected. A descriptive quantitative approach was employed, and Structural Equation Modeling (SEM) was used to analyze the relationships among the variables in the proposed research model. The findings reveal that leadership and entrepreneurial characteristics have positive and significant effects on interpersonal communication. Furthermore, both leadership and entrepreneurial characteristics positively influence business performance. Interpersonal communication also demonstrates a positive effect on business performance and plays a significant mediating role in the relationship between leadership, entrepreneurial characteristics, and business performance. These results highlight the importance of effective leadership, strong entrepreneurial traits, and interpersonal communication in enhancing MSME performance.
Transformation of Management Information Systems in the Digital Era: Integration of Big Data, Artificial Intelligence, and Strategic Decision-Making
The rapid development of digital technologies has driven organizations to adopt Management Information Systems (MIS) that are more adaptive, intelligent, and integrated. MIS no longer functions merely as an administrative record-keeping tool but has evolved into a strategic system that supports real-time, data-driven decision-making. This article aims to examine recent developments in Management Information Systems within the context of digital transformation, with a particular focus on the integration of big data, artificial intelligence (AI), and predictive analytics. The method employed is a literature review of international scholarly publications and recent industry reports. The findings indicate that modern MIS significantly enhances managerial decision effectiveness, operational efficiency, and organizational competitiveness. These results underscore that strengthening MIS through intelligent technologies has become a strategic necessity for organizations in the digital economy era.
Digital Readiness and Social Capital in Shaping Entrepreneurial Intentions: The Mediating Role of Risk Tolerance among University Students
Entrepreneurial intention needs to be cultivated and strengthened among students as a strategic effort to address the issue of unemployment in Indonesia. This study aims to examine the roles of social support, digital literacy, and risk tolerance in shaping students’ entrepreneurial intentions. The research was conducted among students of the Pelita Indonesia Institute of Business and Technology, Pekanbaru, Riau. The population consisted of 2,203 undergraduate students enrolled in 2023, from which 100 students were selected as respondents. A simple random sampling technique was employed to ensure that each member of the population had an equal opportunity to be selected, without considering specific strata or characteristics (Sugiyono, 2019). Data were analyzed using multiple linear regression. The findings indicate that social support and risk tolerance have a positive and significant effect on entrepreneurial intentions, whereas digital literacy shows a negative and insignificant effect.
Organizational Culture as a Driver of Technology Innovation Management: A Qualitative Review
Organizational culture has increasingly been recognized as a critical factor in the successful management of technology-driven innovation, particularly in the context of rapid digital transformation. Despite extensive research on innovation and technology adoption, existing studies often address organizational culture, innovation, and digital transformation in a fragmented manner. This study aims to examine the role of organizational culture in technology innovation management through a qualitative literature review. The review analyzes recent and reputable international studies to identify key cultural mechanisms that influence innovation processes and outcomes. Using a qualitative content analysis approach, the selected literature was systematically examined to identify recurring themes related to organizational culture, leadership, digital transformation, and innovation performance. The findings reveal that organizational culture plays a central role in technology innovation management by shaping employee behavior, leadership effectiveness, digital capabilities, and strategic alignment. Innovation is found to frequently mediate the relationship between organizational culture and organizational performance, while digital transformation both depends on and reshapes organizational culture, indicating a reciprocal relationship. Furthermore, cultural resistance, lack of digital mindset, and misalignment of values emerge as major challenges in technology-driven innovation initiatives. This study contributes to the innovation management literature by providing an integrative synthesis that positions organizational culture as a strategic and dynamic capability in technology innovation management. The findings offer theoretical insights and practical implications for organizations seeking to align cultural transformation with technological innovation to achieve sustainable competitive advantage.
Service Quality, Brand Image, and Electronic Word of Mouth as Key Drivers of Consumer Loyalty in E-Commerce: A Study of Shopee Users in Indonesia
This study aims to examine the influence of service quality, brand image, and electronic word of mouth (eWOM) on customer loyalty toward Shopee e-commerce in Pekanbaru City, Indonesia. The study population consists of Shopee users in Pekanbaru City, for which the exact population size is unknown. A non-probability sampling approach was employed using an accidental sampling technique. Based on Roscoe’s rule of thumb, a total of 150 respondents were selected as the research sample. Data were collected through a structured questionnaire and analyzed using the Statistical Package for Social Sciences (SPSS). The results reveal that service quality, brand image, and electronic word of mouth (eWOM) each have a significant and positive effect on customer loyalty. These findings indicate that improving service performance, strengthening brand perception, and encouraging positive online customer reviews are critical strategies for enhancing customer loyalty in the highly competitive e-commerce sector. This study contributes to the literature on digital marketing and consumer behavior by providing empirical evidence from an emerging market context.
Exploring the Mediating Effect of Work Motivation on the Relationship between Work Environment, Job Stress, and Performance in the Public Sector
This study investigates the mediating role of work motivation in the relationship between work environment, job stress, and employee performance at the General Bureau of the Riau Provincial Government. The research adopts a confirmatory and explanatory approach to examine causal relationships among variables based on established theoretical frameworks in human resource management. A saturated sampling technique was applied, involving all 100 employees of the General Bureau as respondents. Data were analyzed using Structural Equation Modeling with the Partial Least Squares approach (SEM-PLS) through SmartPLS 4.0. The results indicate that the work environment has a significant positive effect on work motivation and employee performance, while job stress has a negative influence on both motivation and performance. Work motivation is proven to play a crucial mediating role, strengthening the positive impact of a supportive work environment on performance and buffering the adverse effects of job stress. These findings suggest that employee performance in the public sector is not only shaped by structural and psychological working conditions but is also strongly driven by the level of internal motivation. This study contributes to the literature by providing empirical evidence on the integrative model of work environment, job stress, motivation, and performance within a provincial government context. Practically, the findings imply that public sector managers should prioritize the creation of a conducive work environment, effective stress management, and motivational enhancement programs to improve employee performance and organizational effectiveness.
Brand Image and Pricing as Determinants of Consumer Purchase Decisions
This study investigates the impact of Brand Image and Price on Purchase Decisions at Takoyaki Janda, Raun–Raun Food Park, Pekanbaru, using a sample of 67 respondents. Data were analyzed via multiple linear regression, hypothesis testing, and determination coefficient calculation using SPSS 25. Findings reveal that both Brand Image and Price exert significant partial effects on purchase decisions, as well as a significant combined effect. The Adjusted R² of 0.747 indicates that these variables account for 74.7% of the variance in purchase decisions, with the remaining 25.3% explained by factors beyond the scope of this study.
Innovative Approaches to Financial Distress: The Impact of Company Size and Sales Growth on Food and Beverage Companies Listed on the Indonesia Stock Exchange
This study aims to examine the direct effects of company size and sales growth on financial distress in food and beverage companies listed on the Indonesia Stock Exchange (IDX) for the period 2018-2022. The research adopts a quantitative approach, utilizing a sample of 235 observations drawn from a population of 84 companies within the food and beverage subsector. Secondary data from publicly available reports from the IDX was used for this analysis. The data were analyzed using the SmartPLS 3.0 model. The results indicate that company size does not significantly influence financial distress, and similarly, sales growth does not have a significant impact on financial distress.
Hak Cipta (c) 2024 International Journal of Information System and Innovation Management (IJISIM)
Digital Marketing, Motivation, and University Image: Key Drivers Of University Choices
This study aims to analyze the effect of digital marketing, motivation and university image on college interest and college decisions in the Master of Management Study program at Pelita Indonesia Institute of Business and Technology. This research is quantitative research The population in the study were students of the IBT PI Master of Management study program in the 2022/2023 academic year. The population of this study was 296 people, the sampling method used was probability sampling. The sampling technique used is simple random sampling The sample size used in this study was 75 respondents, using the Slovin formula. The results of this study indicate that digital marketing has a significant effect on college interest, motivation has a significant effect on college interest, university image has a significant effect on college interest, Digital marketing has an insignificant effect on college decisions, motivation has a significant effect on college decisions, university image has an insignificant effect on college decisions and college interest has a significant effect on college decisions
Unveiling Shopee's E-Commerce Success: How eWOM, Promotions, Product Variety, and Security Shape Gen Z and Millennials' Purchase Decisions
This study aims to analyze the effect of Electronic Word of Mouth (eWOM), Promotion Strategy, Product Diversity, and Transaction Security on Purchasing Decisions. The population of this study consists of Generation Z and Millennials residing in Pekanbaru who have used or currently use the Shopee application. A sample of 100 respondents was selected using the accidental sampling method. The data analysis technique employed is Multiple Linear Regression Analysis, conducted using the SPSS V21 software. The results of the study indicate that Electronic Word of Mouth (eWOM), Promotion Strategy, and Product Diversity variables have a significant positive effect on Purchasing Decisions. In contrast, the Transaction Security variable has a positive but insignificant effect on Purchasing Decisions.
System of Supervision and Control of Syariah Banking
In Indonesia, the supervision and management of Islamic banking is very important to ensure that the activities of Islamic banks comply with relevant laws. DPS should strictly supervise Islamic banking products given the expansion of this sector and the services offered. DPS is in charge of assessing compliance with sharia law. In addition, effective risk management is key in withstanding challenges and mitigating compliance, liquidity, and credit risks. This system aims to increase public trust in banking, in addition to protecting sharia consumers as a sustainable and ethical financial alternative. Thus, good supervision is expected to encourage stable growth in Indonesia's Islamic banking industry. This study aims to investigate the supervision and management structure of Islamic banking in Indonesia.
Innovative Synergy: Leveraging Motivation and Discipline for Peak Employee Performance
This study aims to determine the effect of motivation and work discipline on employee performance, both partially and simultaneously, at PT Putra Supra Jaya, specifically in the Langgam plantation area located in Riau province. A quantitative approach was employed for this research. The population consisted of 105 employees, with a sample size of 52 respondents selected using purposive sampling technique. The results indicate that both motivation and work discipline have a positive and significant impact on employee performance at PT Putra Supra Jaya in the Langgam plantation area.
The Integration of Islamic Finance in the Global Economy: Opportunities, Challenges, and Future Directions
Islamic finance has experienced significant growth over the past few decades, differing significantly from the conventional financial system by adhering to key principles such as the prohibition of interest (riba) and speculation (gharar). This unique approach not only caters to followers of Islam but also attracts a global audience seeking ethical financial solutions. As Islamic finance reaches beyond Muslim-majority countries, its contribution to sustainable development and financial inclusion becomes substantial. However, this expansion also presents challenges, including the need for greater standardization and regulation to better integrate with the global economic system. Notable research from institutions such as the World Bank and the International Monetary Fund emphasizes the sector's potential to address broader economic issues such as poverty and inequality. This thesis explores the integration of Islamic finance into the global economy, examining the factors driving its growth, the barriers faced, and its impact on economic development.
The Role of Sharia Financial Institutions in Improving the Indonesian Economy: Focus on Murabahah Financing
This research is a literature study that examines the role of sharia financial institutions in improving the Indonesian economy with a focus on murabahah financing. The methodology used involves in-depth analysis of existing literature to produce a solid understanding of how Islamic financial institutions can contribute to the economy through murabahah financing. This study relies on relevant secondary data and literature analysis to provide a meaningful contribution to academic and policy-related understanding. The research results show that the implementation of murabahah financing by sharia financial institutions provides financial solutions in accordance with sharia principles, helps people own interest-free homes, and increases bank profitability and liquidity. Apart from that, murabahah financing also helps sharia financial institutions attract more customers and increase public trust in sharia-based financial services. It also plays a role in supporting financial inclusion, especially for communities that are underserved by conventional financial institutions. Overall, murabahah financing not only provides direct benefits for customers and banks, but also contributes positively to economic growth and welfare of Indonesian society.
Strategic Innovation in Sharia Governance: The Evolving Management Role of the Sharia Supervisory Board
The Shariah Supervisory Board (DPS) plays a vital role in ensuring that the operations and financial products of Islamic financial institutions comply with Shariah principles. This research aims to explore the roles, responsibilities, and challenges faced by DPS through analyzing the available literature. Through the literature study method, this research analyzes various secondary sources, including scientific articles, books, regulations, and reports from Islamic financial institutions. The results show that DPS has a key role in providing trust to stakeholders, but also faces various challenges, such as the lack of uniform global standards and limited resources. This study provides recommendations to strengthen the role of DPS, including improved training and education of DPS members, as well as harmonization of regulations at the international level. Thus, DPS can be more effective in supporting the sustainable growth of the Islamic finance industry in accordance with Islamic principles.
The Innovation of Market Structure and Sharia Governance Model of Islamic Financial Institutions
Market structure significantly affects price manipulation and economic efficiency. From an Islamic perspective, market structures should allow freedom but remain bound by rules that uphold responsibility and justice. Among the four primary market forms—perfect competition, monopoly, oligopoly, and monopolistic competition—the perfect competition market is deemed most ideal as it fosters balanced and efficient economic activity, aligning with Islamic principles of fairness. Sharia governance is crucial for ensuring that Islamic financial institutions (IFIs) adhere to Islamic laws, avoiding prohibited practices like riba and maintaining the halal nature of profits. This research, using descriptive analysis, examines the market structure in Islam and the Sharia governance model of Islamic Financial Institutions (LKS) within Indonesia's legal framework. The study, through literature reviews and legal document analysis, finds that Indonesian regulations comprehensively address Sharia governance, outlining aspects such as regulation, organizational structure, processes, and functions, thereby ensuring adherence to Sharia principles and promoting ethical financial practices.
Sharia Fintech: The Collaboration of Information Technology and Morality as A Financing Instrument for The Future
The advancement of technology and knowledge has driven global innovation, transforming social, personal interactions, and economic transactions through the internet. Technology companies such as software, web, and internet play a crucial role in Indonesia's industry, particularly in the innovation of economic transactions known as financial technology (fintech). Meanwhile, Shariah financial systems, based on Shariah principles, offer ethical and just alternatives in financial management, known as Shariah fintech. This study employs literature review methods to examine Shariah fintech as a key instrument in future financing. Research findings indicate that there are currently 7 Shariah fintech P2P lending companies established in Indonesia. Shariah fintech's advantages in financing instruments over conventional methods include unique regulations tailored for Shariah fintech, direct oversight by the Shariah Supervisory Board (DPS), and operations based on Shariah principles. Furthermore, Shariah fintech supports sustainable economic growth by avoiding financing sectors that are prohibited and promoting profit-sharing models. Regulatory support from the government, OJK, and DSN-MUI creates an environment conducive to the development of the Shariah financial industry. Overall, with the world's largest Muslim population, Shariah fintech not only provides Shariah-compliant financing solutions and promotes financial inclusion but also plays a crucial role in supporting sustainable economic growth in Indonesia.