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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies
Anita Asnawi
Universitas Dr Soetomo
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Kualitas Produk, Harga dan Testimonial terhadap Keputusan Pembelian Sepeda Listrik di Surabaya Irma Kariri Ngadang; Anita Asnawi; Mochammad Arfani; Liling Listyawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i10.9546

Abstract

This study is designed to explore the extent to which product quality, price, and testimonials influence consumer purchasing decisions for electric bicycles in the city of Surabaya. The growing awareness of environmentally friendly transportation has driven the expansion of the electric bicycle market in urban areas. A quantitative approach was employed through a survey method, with data collected using closed-ended questionnaires distributed to 100 electric bicycle consumers. The independent variables in this research include product quality (X1), price (X2), and testimonials (X3), while the dependent variable is purchasing decision (Y). The results of multiple linear regression analysis reveal that, collectively, the three independent variables significantly influence consumer purchasing decisions (F = 153.218; p < 0.001). However, when examined individually, only testimonials showed a statistically significant effect (p < 0.001), while product quality and price did not exhibit a meaningful influence (p > 0.05). The coefficient of determination (R²) was found to be 0.827, indicating that the model explains 82.7% of the variation in purchasing decisions. The findings highlight testimonials as the most dominant factor (β = 0.679), suggesting that businesses should adopt digital testimonial-based marketing strategies to strengthen consumer trust.
Pengaruh Brand Image, Harga, dan Kualitas Produk terhadap Keputusan Pembelian di Excelso Pakuwon Surabaya Mey Rio Dwi Bisma; Anita Asnawi; Isro’ani Widayati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5680

Abstract

This quantitative descriptive method research was conducted to see the influence of brand image, price, and product quality on customer purchasing decisions at Excelso Pakuwon Surabaya. Questionnaires were distributed to 100 respondents to collect primary data on their responses. The results of partial hypothesis testing show that brand image and product quality have a significant and positive effect on purchasing decision variables. On the other hand, the price factor was found not to have a significant effect. The results revealed that brand image plays an important role in shaping customers' positive perceptions of Excelso, which is considered to have consistent quality, a cozy atmosphere, and uniqueness that suits customers' lifestyles. Product quality is also an important factor, where customers value the quality of coffee and the variety of menus available. In contrast, price did not have a significant effect, as some respondents felt Excelso's prices were less competitive than its competitors. These findings suggest that Excelso needs to focus on strengthening brand image and product quality to improve purchasing decisions. In addition, a review of the pricing strategy is recommended to better match customer expectations to strengthen market competitiveness.
Pengaruh Work-life balance, Motivasi, Self-efficacy, dan Kompensasi terhadap Kepuasan Kerja pada Generasi Z di Kota Surabaya Nasrul Dani; Anita Asnawi; Mochammad Arfani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5924

Abstract

This study aims to evaluate the influence of motivation, work-life balance, self-efficacy, and compensation on the job satisfaction of Generation Z in Surabaya. Using a quantitative descriptive method, this study utilizes primary data obtained through questionnaires to analyze the relationship between variables. The 100 respondents were dominated by men with high school/vocational education, most of whom worked in the private sector, with fields of work that matched their skills. The results of the partial influence test showed that each of the motivation, self-efficacy, and compensation factors had a significant and positive influence on job satisfaction, indicating these factors play important roles in creating job satisfaction in Generation Z in Surabaya. Meanwhile, the compensation factor is responded to as the main factor in realizing job satisfaction. In contrast, work-life balance did not have a significant effect, indicating that respondents considered that they had not found a balance in managing their time between life and work, so their job satisfaction could not be realized based on the factors that set the time balance. On the other hand, simultaneously, these four variables have a significant influence on job satisfaction.
Analisa Strategi Pemasaran untuk Meningkatkan Penjualan Produk Telur pada BUMDES Mekarsari Evi Purbasari; Anita Asnawi; Damajanti Sri Lestari; Priyanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): 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.v6i10.9584

Abstract

This study aims to analyze marketing strategies that can be implemented by BUMDes Mekar Sari to increase the sales of local chicken eggs. BUMDes Mekar Sari is a village-owned enterprise located in Sabron Sari, Sentani Barat District, facing challenges in distribution, marketing, and operational efficiency. This research employs a descriptive qualitative method with a case study approach, where data were collected through observation, in-depth interviews, documentation, and consumer questionnaires. The analysis tools used include SWOT analysis, Internal Factor Evaluation (IFE) Matrix, External Factor Evaluation (EFE) Matrix, and Strategic Position and Action Evaluation (SPACE) Matrix. The results indicate that BUMDes Mekar Sari possesses significant internal strengths such as high-quality products, a strategic location, and a relatively high profit margin. However, weaknesses such as limited distribution capacity, high employee turnover, and underutilized digital marketing strategies remain obstacles that need to be addressed. Based on the IFE and EFE Matrix scores of 2.44 and 2.68, respectively, and the SPACE Matrix positioning in the Aggressive quadrant, an expansive marketing strategy is recommended, focusing on strengthening distribution networks, optimizing digital marketing, increasing production capacity, and implementing customer loyalty programs. A one-year action plan has been formulated as an implementation step to achieve sustainable sales growth.
Self-Efficacy sebagai Mediator Work Environment dalam Memengaruhi Job Satisfaction pada Pink-collar Workers di Surabaya Anita Asnawi; Mochammad Arfani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): 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.v6i9.9684

Abstract

Pink-collar workers frequently engage directly with customers possessing diverse personalities and demands, requiring strong psychological resilience and interpersonal skills. This study aims to examine the effect of work environment on job satisfaction through the mediating role of self-efficacy among pink-collar workers in Surabaya. A quantitative approach was employed using a survey method involving 100 respondents, selected based on their direct involvement in customer service within the hospitality, education, banking, and retail sectors. Data analysis was conducted using SmartPLS 3.0. The results reveal that the work environment has a positive and significant effect on self-efficacy, indicating that a safe, comfortable, and supportive workplace enhances employees’ confidence in their abilities. Furthermore, self-efficacy significantly influences job satisfaction and partially mediates the relationship between work environment and job satisfaction. The direct effect of work environment on job satisfaction is also significant, affirming that job satisfaction is more likely to occur when the work environment supports employees physically, socially, and psychologically. The research model explains more than seventy-five percent of the variance in job satisfaction, highlighting the importance of integrating both external and internal factors in shaping positive work experiences. These findings provide practical implications for organizations to foster conducive work environments that enhance self-efficacy and job satisfaction among pink-collar employees.
Efek Digital Work Environment terhadap Innovative Work Behavior: Peran Mediasi Employee Engagement dan Moderasi Work Distress pada UMKM Kuliner Surabaya Anita Asnawi; Sri Utami Ady
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (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.v7i1.10437

Abstract

In the era of digital transformation, small businesses increasingly depend on technology to enhance efficiency and foster innovation. This study investigates how digital work environments (DWE) influence innovative work behaviour (IWB) among employees of culinary MSMEs in Surabaya, Indonesia, with employee engagement (EE) as a mediator and work distress (WD) as a moderator. Based on the Job Demands–Resources (JD–R) framework, data from 156 respondents were analyzed using SmartPLS 3. Results show that DWE strongly promotes EE, which subsequently drives IWB, confirming partial mediation. However, DWE has no direct effect on innovation, indicating that digital systems stimulate creativity mainly through psychological engagement. WD negatively affects innovation but does not moderate the EE–IWB link. These findings illustrate a dual mechanism within JD–R theory, where digital environments act as motivational resources while distress independently hinders creativity. The study enriches understanding of JD–R dynamics in digitalized MSMEs and highlights the importance of balancing technology, engagement, and well-being to sustain innovation.
Co-Authors Damajanti Sri Lestari Evi Purbasari Irma Kariri Ngadang Isro’ani Widayati Liling Listyawati Mey Rio Dwi Bisma Mochammad Arfani Mochammad Arfani Nasrul Dani Priyanto SRI UTAMI ADY