Bukhori: Kajian Ekonomi dan Keuangan Islam is a scientific publication media that publishes selected manuscripts with current topics in Islamic economics and financial studies. Bukhori aims to be a useful platform for spreading scientific studies on various issues and a strategic tool for developing theories and practices in the fields of Islamic Economy and Finance.
Published
2025-07-03
Articles
Assessment, Ujrah, and Promotion Influence on Islamic Gold Pawn Decisions in Baturaja
Purpose: This study aims to analyze the influence of estimated value, ujrah (service fee), and promotional activities on the use of Islamic gold pawn (rahn) financing products at the Baturaja Islamic Pawnshop. Design/methodology/approach: This study investigates the partial and simultaneous effects of these variables and identifies the most dominant factor influencing customer decisions.
Methodology/approach: This research employs a descriptive quantitative method using primary data collected through questionnaires distributed to 98 respondents who are active customers of Pegadaian Syariah Baturaja. Additional data were obtained from documentation and observations. The sampling technique used was purposive sampling, applying the Slovin formula with a 10% margin of error. Data analysis was conducted using multiple linear regression with SPSS version 25.
Results/findings: The results indicate that the estimated value, ujrah, and promotion each have a positive and significant effect on the use of Islamic gold pawn financing products. Simultaneously, the three variables significantly influenced customers’ decisions to choose the rahn product. The adjusted R-square value of 0.826 demonstrates that 82.6% of the variance in product usage can be explained by these variables.
Conclusions: The findings suggest that higher estimated values, lower ujrah, and more effective promotional efforts positively impact customer interest in Islamic gold pawn products.
Limitations: This study was limited to one branch, potentially affecting its generalizability across different regions.
Contribution: The findings provide valuable insights for improving marketing strategies and expanding customer engagement with Islamic financial products, particularly Rahn.
Employee Performance in Islamic Economics: AIS, Work Discipline, Organizational Culture and Incentives
Purpose: This study aimed to analyze the effect of accounting information systems, work discipline, organizational culture, and incentives on employee performance from the perspective of Islamic Economics (a study on PT Tunas Dwipa Matra Raden Intan).
Methodology/approach: This study used a quantitative approach. Sample selection in this study was performed using a purposive sampling technique, which obtained 30 samples.
Results: The results of this study prove that accounting information systems, work discipline, organizational culture, and incentives partially or simultaneously have a positive and significant effect on employee performance in PT Tunas Dwipa Matra. Obtained the value of The coefficient of determination (R Square) was 0.840, which shows that 84% of the variation in the dependent variable can be explained by the independent variables together.
Conclusions: Accounting systems, discipline, culture, and incentives improve performance but face issues of teamwork and fairness. Aligning with Islamic values, the company should enhance its systems and apply just, transparent rewards.
Limitations: The scope of this study was limited to the influence of accounting information systems, work discipline, organizational culture, and incentives; therefore, other factors that could potentially affect employee performance beyond these variables were not included in the analysis.
Contribution: This research contributes to a comprehensive understanding of the influence of accounting information systems, work discipline, organizational culture, and incentives on employee performance at PT. Tunas Dwipa Matra, with an Islamic economic perspective that provides a dimension of ethics and Shariah values in its analysis.