Islamic Micro Finance Leadership and Religiosity Its Impact on Employee Performance
Keywords:
Employee, Intrinsic Motivation, Islamic Finance, Religiosity, Situational LeadershipAbstract
Study’s aims: This study aims to determine the effect of situational leadership and religiosity on employee’s performance with intrinsic motivation as a moderating variable. This study selected objects from Islamic financial institutions in Yogyakarta.
Design/Methodology/Approach: The objects included BMT BIF, BMT NITEN, BMT Tamzis, and BMT Al-Muthi'in, with a total of 106 samples. Data collection was conducted by distributing questionnaires offline. Researchers used SEM PLS from the SmartPLS 3.0 application to test the hypothesis.
Findings: This study revealed that situational leadership and religiosity positively affect employee’s performance. Intrinsic motivation cannot moderate the effect of situational leadership and religiosity on employee’s performance. Based on the results, situational leadership positively affected employee’s performance. Therefore, situational leadership is important in BMT BIF, BMT NITEN, BMT Al Muthi'in, and BMT TAMZIS KC Bantul. In improving situational leadership, companies, especially leaders, must pay attention to several aspects, namely governing wisely, delegating according to the skills and abilities of employees, and participating in every company activity.
Theoretical contribution/Originality: Based on Path–Goal Theory, this study contributes to the literature by demonstrating that leadership adaptability and religiosity serve as independent determinants of employee performance in Islamic microfinance institutions. These findings also challenge the common assumption that intrinsic motivation amplifies the influence of leadership and personal values on performance outcomes.
Practitioner/Policy implication: Islamic financial institutions should prioritize adaptive leadership development and the cultivation of religious values to enhance employee performance and organizational effectiveness.
References
Aisyafarda, J., & Sarino, A. (2019). Gaya Kepemimpinan Situasional Kepala Sekolah dan Budaya Organisasi Sebagai Determinan Kinerja Guru. Jurnal Pendidikan Manajemen Perkantoran, 4(2), 228. https://doi.org/10.17509/jpm.v4i2.18018
Budi, A. A. (2021). Strategi Motivasi Kepemimpinan Di Sdn 3 Kawo, Kecamatan Pujut, Lombok Tengah. Jurnal Ilmu Pemerintahan Suara Khatulistiwa, 6(1), 92–101. https://doi.org/10.33701/jipsk.v6i1.1731
Burhanudin. (2018). Kepemimpinan Dalam Budaya Organisasi. Jurnal Politik Sosial Dan Kemasyarakatan, 1(1), 1–11.
Daffa, M. I., Moh. Mas’udi, & Musyrifin, I. M. (2022). Leaders and Whistleblowers: Application of Whistleblowing in Islamic Financial Institutions. Journal of Islamic Economic and Business Research, 2(1), 76–89. https://doi.org/10.18196/jiebr.v2i1.50
Hamdani, H., Mulyanti, R. Y., & Abdillah, F. (2020). Pengaruh Motivasi Intrinsik Dan Ekstrinsik Terhadap Kinerja Pengemudi Grabbike. Jurnal Ekobis : Ekonomi Bisnis & Manajemen, 9(2), 89–103. https://doi.org/10.37932/j.e.v9i2.53
Haryadi, I., & Mahmudi, L. N. (2020). Pengaruh Religiusitas Terhadap Kinerja Karyawan (Studi Kasus Pada Suryamart Soekarno-Hatta Ponorogo Tahun 2019). Islamic Economics Journal, 6(2), 159. https://doi.org/10.21111/iej.v6i2.4600
Hidayanti, W., Kirana, H. J., Yustitia, A. M., Widyaningrum, H., Tulasmi, T., & Mukti, T. (2021). Studi Kasus Penanganan Pembiayaan Bermasalah di Baitul Maal wa Tamwil (BMT) Hubbul Wathon pada Masa Pandemi Covid-19. Jurnal Ilmiah Ekonomi Islam, 7(1), 333. https://doi.org/10.29040/jiei.v7i1.1771
Irpan, I., Adriansyah, M. A., & Sanjaya, A. (2022). Pengaruh Gaya Kepemimpinan Situasional dan Keadilan Interaksional Terhadap Kinerja Karyawan. Psikoborneo: Jurnal Ilmiah Psikologi, 10(1), 180. https://doi.org/10.30872/psikoborneo.v10i1.7227
Kudrati, V. (2018). Evaluasi Motivasi Kerja Di Perusahaan Amondeu. Performa: Jurnal Manajemen Dan Start-Up Bisnis, 3(5).
Lado, D., Fanggidae, R. P. C., & Timuneno, T. (2019). Pengaruh Gaya Kepemimpinan Situasional Terhadap Produktivitas Kerja Karyawan Pdam Kota Kupang. Jurnal Of Management, 10(3), 283–297.
Lindenberg, S., & Foss, N. J. (2011). Managing Joint Production Motivation: The Role of Goal Framing and Governance Mechanisms. Academy of Management Review, 36(3), 500–525. https://doi.org/10.5465/amr.2010.0021
Maulana, H., & Fahrullah, A. (2020). Pengaruh Religiusitas terhadap Kinerja Karyawan Muslim Pada Perusahaan Daerah Air Minum (PDAM) Kabupaten Pamekasan. Jurnal Ekonomika Dan Bisnis Islam, 3(3), 90–99. https://doi.org/10.26740/jekobi.v3n3.p90-99
Mitrohardjono, M., & Ningsihwati, A. (2019). Efektivitas Kebijakan Pemimpin Dalam Peningkatan Kinerja Karyawan Pada PT . Asuransi Jiwa Syariah Bumiputera. Jurnal Tahdzibi: Manajemen Pendidikan Islam, 4(1), 29–40. https://doi.org/10.24853/tahdzibi.4.1.29-40
Moon, T. W., Youn, N., Hur, W. M., & Kim, K. M. (2020). Does employees’ spirituality enhance job performance? The mediating roles of intrinsic motivation and job crafting. Current Psychology, 39(5), 1618–1634. https://doi.org/10.1007/s12144-018-9864-0
Muis, M. R., Jufrizen, J., & Fahmi, M. (2018). Pengaruh Budaya Organisasi Dan Komitmen Organisasi Terhadap Kinerja Karyawan. Jurnal Ekonomi & Ekonomi Syariah, 1(1), 9–25.
Pasolong, H. (2021). Kepemimpinan Birokrasi (H. Pasolong (ed.); V). Alfabeta.
Puspitasari, S. (2019). Pengaruh Kepemimpinan Spiritual Terhadap Kepuasan Kerja Malalui Motivasi Intrinsik Dan Komitmen Organisasi (Studi Kasus Rumah Sakit Islam Sultan Agung, Semarang). Jurnal Ekonomi Dan Bisnis, 20(1), 73–84.
Qurbani, D., Utomo, S. B., Maulida, H., Supardi, S., & Oktrima, B. (2020). Motivasi Untuk Meningkatkan Kinerja Sumber Daya Manusia Pada Kelurahan Pisangan. Jurnal Abdimas Tri Dharma Manajemen, 1(2), 56. https://doi.org/10.32493/abmas.v1i2.p56-66.y2020
Rahadi, D. R., & Susilowati, E. (2019). Perilaku Organisasi: Konsep dan Implementasi (D. O. Supriadi & M. S. Pandu Cakranegara (eds.); 1st ed.). PT. Filda Fikrindo.
Rahmawati, H. K. (2016). Kegiatan Religiusitas Masyarakat Marginal di Argopuro. Jurnal Community Development, 1(2), 36, 38–39.
Ridho, W. F. (2014). Hubungan Antara Gaya Kepemimpinan Path Goal Supervisor Pabrik Baja Dengan Tingkat Kepatuhan Sop ( Standard Operational Procedure ) Pekerja. The Indonesian Journal of Occupational Safety and Health., 4(2), 187–198.
Rozikan, R., Khairihza, A. T. K., & Zakiy, M. (2023). Relawan Lembaga Filantropi Islam Ditinjau dari Teori Evaluasi Kognitif. Islamadina : Jurnal Pemikiran Islam, 24(2), 307. https://doi.org/10.30595/islamadina.v24i2.14058
Rozikan, R., & Zakiy, M. (2019). Pengaruh Religiusitas dan Tanggungjawab Sosial Terhadap Etos Kerja Islami pada Karyawan Lembaga Filantropi. Islamadina : Jurnal Pemikiran Islam, 191. https://doi.org/10.30595/islamadina.v0i0.4968
Setiawati, R., & Parmin. (2019). Pengaruh Religiusitas, Profesionalisme dan Human Capital Terhadap Kinerja Karyawan BMT AL AMIN Gombong Dengan Motivasi Sebagai Variabel Intervening. Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi, 1(1), 157–169.
Untari, R. D., Boedijono, & Azhari, A. K. (2015). Pengaruh Gaya Kepemimpinan Situasional terhadap Kinerja Aparatur Desa di Desa Tamansari Kecamatan Wuluhan Kabupaten Jember. E-Journal, 1(1), 1–15.
Wiedyawati, R. A., Zakiy, M., & Tjahjono, H. K. (2023). Impact of Leader-Member Exchange and Perceived Organizational Support on Job Embeddedness: The Moderating Role of Self-Efficacy. Indatu Journal of Management and Accounting, 1(2), 69–78. https://doi.org/10.60084/ijma.v1i2.125
Zakiy, M., Santoso, C. B., Rosari, R., & Tjahjono, H. K. (2024). Islamic locus of control concept and its implications on individual behavior in organizations. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-06-2024-0195
Zakiy, M., Santoso, C. B., Rosari, R., & Tjahjono, H. K. (2026). Divine Control in Islam: A Pathway to Ethical Workplace Behavior in Modern Organizations. Journal of Management, Spirituality & Religion, 23(2), 162–177. https://doi.org/10.51327/TQFT1765
Zakiy, M., & Satyarini, J. N. E. (2025). Becoming a whistleblower and the role of a leader: desires and barriers. International Journal of Ethics and Systems. https://doi.org/10.1108/IJOES-06-2024-0173
