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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Sudarwati Sudarwati
Management Faculty, Postgraduate Program, Batik Islamic University, Surakarta
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Customer Satisfaction of Bima Mobile Application Users is Assessed From Service Quality, Feature Completeness, Ease of Use and Transaction Security Bachtiar Ali Mahadi; Sudarwati Sudarwati; Sarsono Sarsono
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11619

Abstract

The purpose of this study is to (1) test and analyze the effect of service quality on customer satisfaction of Bima Mobile application users; (2) test and analyze the effect of feature completeness on customer satisfaction of Bima Mobile application users; (3) test and analyze the effect of ease of use on customer satisfaction of Bima Mobile application users; and (4) test and analyze the effect of transaction security on customer satisfaction of Bima Mobile application users. The research object is BPD Jateng Boyolali Branch. The population is all customers using the Bima Mobile application; the sample size is 100 respondents calculated using the Leedy formula; the sampling technique uses accidental sampling. The data collection technique uses a questionnaire. The data analysis technique uses multiple linear regression analysis. The results of this study indicate that (1) Service quality influences customer satisfaction among Bima Mobile users (2) Feature completeness influences customer satisfaction among Bima Mobile users (3) Ease of use influences customer satisfaction among Bima Mobile users (4) Transaction security influences customer satisfaction among Bima Mobile users. Keywords: Service Quality, Feature Completeness, Ease of Use, Transaction Security, Customer Satisfaction
Employee Performance Reviewed From Workload, Organizational Culture, Work Experience and Village Office Competence in Kwadungan District, Ngawi Gulit Danan Prasetyo Utomo; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11626

Abstract

This study aims to determine and explain the influence of workload, organizational culture, work experience, and competence on the performance of village officials in Kwadungan District, Ngawi. The population of this study was 102 village officials in Kwadungan District, Ngawi, and a sample of 50 people using total sampling technique. Data collection used a questionnaire. Data analysis used Multiple Linear Analysis. The results showed that workload, organizational culture, work experience, and competence contributed 70.5% to performance, while the remaining 29.5% was explained by other variables not included in this study. Suggestions from this research, village officials in Kwadungan District, Ngawi can improve organizational culture and competence and leaders are able to manage employee workloads so that work experience increases to achieve maximum performance results in villages in Kwadungan District, Ngawi.
Employee Loyalty as Seen in The English of Compensation, Organizational Culture, Work Motivation and Village Office Work Environment Agus Suwoko; Sudarwati Sudarwati; Istiatin Istiatin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11627

Abstract

This study aims to determine and explain the influence of compensation, organizational culture, work motivation, and the work environment on the performance of village officials in Kasreman District, Ngawi. The population of this study was 50 village officials in Kasreman District, Ngawi, and a sample of 50 people using total sampling technique. Data collection used a questionnaire. Data analysis used Multiple Linear Analysis. The results showed that compensation, organizational culture, work motivation, and the work environment contributed 72.1% to performance, while the remaining 27.9% was explained by other variables not included in this study. This research suggests that village officials in Kasreman District, Ngawi, can improve their organizational culture and competency, and that leaders can manage employee workloads to enhance work experience and achieve maximum performance results.
Customer Satisfaction of Bima Mobile Application Users is Assessed From Service Quality, Feature Completeness, Ease of Use and Transaction Security Bachtiar Ali Mahadi; Sudarwati Sudarwati; Sarsono Sarsono
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11619

Abstract

The purpose of this study is to (1) test and analyze the effect of service quality on customer satisfaction of Bima Mobile application users; (2) test and analyze the effect of feature completeness on customer satisfaction of Bima Mobile application users; (3) test and analyze the effect of ease of use on customer satisfaction of Bima Mobile application users; and (4) test and analyze the effect of transaction security on customer satisfaction of Bima Mobile application users. The research object is BPD Jateng Boyolali Branch. The population is all customers using the Bima Mobile application; the sample size is 100 respondents calculated using the Leedy formula; the sampling technique uses accidental sampling. The data collection technique uses a questionnaire. The data analysis technique uses multiple linear regression analysis. The results of this study indicate that (1) Service quality influences customer satisfaction among Bima Mobile users (2) Feature completeness influences customer satisfaction among Bima Mobile users (3) Ease of use influences customer satisfaction among Bima Mobile users (4) Transaction security influences customer satisfaction among Bima Mobile users. Keywords: Service Quality, Feature Completeness, Ease of Use, Transaction Security, Customer Satisfaction
Employee Performance Reviewed From Workload, Organizational Culture, Work Experience and Village Office Competence in Kwadungan District, Ngawi Gulit Danan Prasetyo Utomo; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11626

Abstract

This study aims to determine and explain the influence of workload, organizational culture, work experience, and competence on the performance of village officials in Kwadungan District, Ngawi. The population of this study was 102 village officials in Kwadungan District, Ngawi, and a sample of 50 people using total sampling technique. Data collection used a questionnaire. Data analysis used Multiple Linear Analysis. The results showed that workload, organizational culture, work experience, and competence contributed 70.5% to performance, while the remaining 29.5% was explained by other variables not included in this study. Suggestions from this research, village officials in Kwadungan District, Ngawi can improve organizational culture and competence and leaders are able to manage employee workloads so that work experience increases to achieve maximum performance results in villages in Kwadungan District, Ngawi.
Employee Loyalty as Seen in The English of Compensation, Organizational Culture, Work Motivation and Village Office Work Environment Agus Suwoko; Sudarwati Sudarwati; Istiatin Istiatin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11627

Abstract

This study aims to determine and explain the influence of compensation, organizational culture, work motivation, and the work environment on the performance of village officials in Kasreman District, Ngawi. The population of this study was 50 village officials in Kasreman District, Ngawi, and a sample of 50 people using total sampling technique. Data collection used a questionnaire. Data analysis used Multiple Linear Analysis. The results showed that compensation, organizational culture, work motivation, and the work environment contributed 72.1% to performance, while the remaining 27.9% was explained by other variables not included in this study. This research suggests that village officials in Kasreman District, Ngawi, can improve their organizational culture and competency, and that leaders can manage employee workloads to enhance work experience and achieve maximum performance results.
Performance Reviewed from Leadership, Human Resource Professionalism, Motivation and Work Discipline of Teachers at State Senior High School 1 Purwantoro Paryani Paryani; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12101

Abstract

Teacher performance is a critical determinant of educational quality and institutional effectiveness. This study aims to examine and analyze the influence of leadership, human resource professionalism, motivation, and work discipline on teacher performance at SMA Negeri 1 Purwantoro, Wonogiri Regency. This research employed a descriptive quantitative approach. The population comprised all teachers at SMA Negeri 1 Purwantoro, totaling 53 individuals. A non-probability sampling technique with a census method was applied, in which the entire population was used as the research sample. The results indicate that leadership has a positive and significant effect on teacher performance. Similarly, human resource professionalism exerts a positive and significant influence on teacher performance. Motivation and work discipline were also found to have positive and significant effects on teacher performance. In conclusion, leadership, human resource professionalism, motivation, and work discipline are key determinants that significantly enhance teacher performance at SMA Negeri 1 Purwantoro. Keywords:teacher performance, leadership, human resource professionalism, motivation, work discipline
Motivation, Organizational Culture, Human Resource Quality and Work Discipline on The Performance of Government Employees in Parangjoro Village, Grogol, Sukoharjo Hardiman Hardiman; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12103

Abstract

This study aims to determine the simultaneous (concurrent) and partial influence of the variables of Organizational Culture, Information Technology, Workload, and Supervision on employee performance at the Clinic.Sportin Cibubur. This study uses a quantitative descriptive approach. A Likert scale is also included to measure organizational culture, informatics techniques, workload, and supervision on the performance of sports clinic employees in Cibubur. This study took place at the sports clinic on Jl. Jambore No. 1, Cibubur, East Jakarta. This study took four months, from December 2025 to March 2026, starting from observation to data collection and research conclusions. The population of this study was all 85 employees of the Cibubur sports clinic. The sample size was 85 employees. The sampling technique used in this study was saturated sampling, meaning that all populations were sampled in the study. After data tabulation, the data were processed using multiple linear regression analysis tools with SPSS 27 software. The results showed that there was a partial and simultaneous influence of the variables Organizational Culture, Information Technology, Workload, and Supervision on employee performance at the Cibubur Sports Clinic.Sportin Cibubur
The Effect of Fatigue Management, Training, Reward Systems, and Information Technology on Occupational Safety Performance Nanang Sofal Jamil; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12104

Abstract

The purpose of this study was to determine the simultaneous and partial effects of the variables Fatigue Management, Training, Reward Systems, and Information Technology on Occupational Safety Performance in the transportation industry at PT. KAI Central Daop Jakarta. This study took place at the PT. KAI Central Daop Jakarta office. This was a quantitative study, with data collection using a questionnaire. The sample consisted of 50 employees in the Occupational Safety and Health (K3) department. Data analysis techniques used were multiple regression, F-test, t-test, and test of determination (R2). Fatigue management influences the Occupational Safety Performance of PT. KAI Central Daop Jakarta employees. Training influences the Occupational Safety Performance of PT. KAI Central Daop Jakarta employees. The Reward System influences the Occupational Safety Performance of PT. KAI Central Daop Jakarta employees. Information Technology influences Occupational Safety Performance of PT. KAI Central Operation Office Jakarta Employees.
Performance Reviewed from Leadership, Human Resource Professionalism, Motivation and Work Discipline of Teachers at State Senior High School 1 Purwantoro Paryani Paryani; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12101

Abstract

Teacher performance is a critical determinant of educational quality and institutional effectiveness. This study aims to examine and analyze the influence of leadership, human resource professionalism, motivation, and work discipline on teacher performance at SMA Negeri 1 Purwantoro, Wonogiri Regency. This research employed a descriptive quantitative approach. The population comprised all teachers at SMA Negeri 1 Purwantoro, totaling 53 individuals. A non-probability sampling technique with a census method was applied, in which the entire population was used as the research sample. The results indicate that leadership has a positive and significant effect on teacher performance. Similarly, human resource professionalism exerts a positive and significant influence on teacher performance. Motivation and work discipline were also found to have positive and significant effects on teacher performance. In conclusion, leadership, human resource professionalism, motivation, and work discipline are key determinants that significantly enhance teacher performance at SMA Negeri 1 Purwantoro. Keywords:teacher performance, leadership, human resource professionalism, motivation, work discipline
Co-Authors Agus Suwoko Bachtiar Ali Mahadi Gulit Danan Prasetyo Utomo Hardiman Hardiman Istiatin Istiatin Manik Adi Prakoso Nanang Sofal Jamil Paryani Paryani Sarsono Sarsono Tri Setiyani Darmastuti