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Dedi Junaedi
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Lembaga Publikasi Ilmiah (LPI) Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913 Telp 021-8757150 elmal@journal-laaroiba.com
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El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Published by Institut Agama Islam Nasional Laa Roiba Bogor
ISSN : 26202956     EISSN : 27470490     DOI : https://doi.org/10.47467/elmal
Core Subject : Economy, Agriculture, Social, Engineering,
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam mempublikasi hasil riset dan kajian terkini bidang ekonomi, keuangan, manajemen dan bisnis Islam. Mulai 2011, jurnal ini terbit tiga kali setahun setiap Maret, Juli dan November. Jurnal ini dikelola oleh Pusat Riset dan Kajian Strategis (PRKS) Masyarakat Ekonomi Syariah (MES) Bogor Raya bekerjasama dengan Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor, Institut Agama Islam (IAI) Sahid Bogor dan Institut Umum Quro Al-Islami (IUQI) Bogor. P-ISSN 2620-2956 E-ISSN 2747-0490. Volume 1 Nomor 1 2019 sampai Volume 5 Nomor 3 of 2024 terbit website dengan URL https://journal.laaroiba.ac.id/index.php/elmal. Selanjutnya, mulai Volume 5 Number 4 2024 sampai seterusnya terbit URL https://journal-laaroiba.com/ojs/index.php/elmal.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 1,573 Documents
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Pengaruh Disiplin Kerja dan Reward Terhadap Kinerja Karyawan di PT Aklab Nurse Call System Garut Wifi Syari; Dody Hermana; Hedi Cupiadi
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.v6i9.8730

Abstract

The objective of this study is to analyze the influence of Work Discipline and Rewards on Employee Performance.The research utilizes primary data collected through questionnaires distributed to 35 respondents, who are employees of PT AKLab Nurse Call System in Garut. The sampling method employed is non-probability sampling with a purposive sampling technique. This study adopts a quantitative method with a descriptive and associative approach. Hypothesis testing is conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that both Work Discipline and Rewards have a significant partial effect on Employee Performance. The study concludes that effective implementation of Work Discipline and optimal provision of Rewards can enhance Employee Performance.
Pengaruh Literasi Keuangan, Financial Technology, dan E-Commerce Terhadap Kinerja UMKM dengan Business Experience Sebagai Variabel Moderating Riski Yama Lestari; Dewi Sartika
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.v6i9.8747

Abstract

The growth of micro, small, and medium enterprises (MSMEs) in Indonesia has been increasing every year and needs to be enhanced through knowledge and experience. MSMEs play a significant role in supporting the country's economy, even though business success is low and exports are still minimal; nonetheless, MSMEs continue to contribute to the nation. The purpose of this research is to analyze the influence of financial literacy, financial technology, and e-commerce on the performance of MSMEs and how business experience moderates this effect. This research is quantitative in nature. Data collection was conducted using purposive sampling by distributing questionnaires filled out by 100 MSME actors in the Seberang Ulu II sub-district of Palembang City, who utilize financial technology and e-commerce. This study employs SEM-PLS 4 analysis method. The results of this study indicate that financial literacy, financial technology, and e-commerce have a positive and significant impact on the performance of MSMEs in the Seberang Ulu II Palembang City. Furthermore, the analysis results of the moderating variable show that business experience has a significant role in strengthening the relationship between financial literacy and financial technology on the performance of MSMEs, whereas business experience does not have a significant role in strengthening the relationship between e-commerce and the performance of MSMEs.
Analisis Faktor-faktor yang Mempengaruhi Pemilihan Karir Mahasiswa Akuntansi Sebagai Auditor Ega Erlianti; Juanda Astarani; Djunita Permata Indah
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.v6i9.8764

Abstract

Finding out what factors motivate students to become auditors is the driving force behind this research. Tanjungpura University, Pontianak, sixth-semester accounting students were surveyed to gather primary data. One hundred participants were chosen at random for this research. Questionnaires using Likert scales were used to collect data. According to the data, students are more interested in becoming auditors when they are offered financial incentives, a nice work environment, opportunities for professional development, and competitive salaries.
Analisis Prinsip 6C, 7P dan 3R pada Penyaluran Produk Pembiayaan di KSPP Syariah BMT Peta Sidoarjo Moh Sahhal Jauhari; Siti Khumairo
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.v6i9.8776

Abstract

People who want to get financing assistance for consumptive activities or productive businesses must meet adequate requirements for prospective debtors of financing products in accordance with the provisions imposed by the institution. This step is taken by management by going through a selection process on prospective debtors in the principles of 6c, 7p and 3r to determine whether the prospective debtor deserves a financing product or not. Financing analysis is an activity that examines important and noteworthy aspects of customers who will be financed by financial institutions. The purpose of financing analysis is to obtain a clear and true picture of the condition of the customer to be financed. Thus, correct and objective recommendations can be given. The approach in this research uses an inductive approach, which studies problems in society and certain situations. Including the processes that take place and the influence of a phenomenon. By using an inductive approach, researchers will describe the data obtained through qualitative methods, namely with interview data, observation and documentation, the type of research used is the type of case study. Providing Financing by KSPPS BMT PETA Sidoarjo, Analyzing the provision of financing using the 6C, 7P and 3R principle financing analysis. 6C analysis includes (Character, Capacity, Capital, Collateral, Condition Of Economy and Constrain). 7P analysis includes (Personality, Party, Purpose, Prospect, Payment, Profitability and Protection). 3R analysis includes Returns Repayment and Risk) of all these principles are all applied by KSPPS BMT PETA Sidoarjo in channeling financing, in accordance with their respective principles, efforts to reduce financing risks. Thus the application can reduce bad debts and increase current financing.
Strategi Operasional dalam Persfektif Koperasi Desa Merah Putih Ngakan Made Karya Mardika; Nia Puspita Hapsari; Daman Sudarman; Novita Kurniawati
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.v6i9.8802

Abstract

This study aims to examine, and design an efficient operational strategy at the Merah Putih Village Cooperative through a collaboration of the Just-In-Time (JIT), and Total Quality Management (TQM) approaches. The background of this study is based on the problem of low operational efficiency of cooperatives which has an impact on the mismatch between member demand and cooperative service capacity. The main objective of the study is to formulate a collaborative model of JIT and TQM that can increase productivity, reduce waste, and ensure the quality of cooperative services and products. The methodology used is a qualitative approach with a case study, involving field observations, in depth interviews with cooperative administrators and members, and internal documentation analysis. Data analysis techniques are carried out through a thematic approach and triangulation to obtain the validity of the results. The results of the study indicate that the application of the JIT principle can minimize unproductive inventory, while the application of TQM encourages a work culture that is oriented towards continuous improvement and member satisfaction. The collaboration of these two strategies has been proven to be able to increase the operational efficiency of cooperartive by up to 35%, accelerate the service cycle, and significantly reduce the level of member complains. The implications of these findings indicate that village cooperatives can apply a modern management approach by adjusting it to the local context, as well as the importance of continuous training for cooperative human resources. The proposed JIT - TQM corroborative model can be used as a reference for the cooperative in increasing competitiveness and operational efficiency in the people’s economic sector.
Pengaruh Kualitas Produk dan Persepsi Harga Terhadap Keputusan Pembelian: Studi pada Konsumen Produk Wardah. Melani Devita Kusuma Wardani; Alimudin Rizal Rivai
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.v6i9.8804

Abstract

This study aims to test and analyze the effect of product quality and price perceptions on purchasing decisions using quantitative data where the results of this study will be in the form of numbers that have been processed using IBM SPSS 21 software. The population in this study are consumers who know Wardah cosmetic products, and have the desire to buy Wardah cosmetic products. The sampling method in this study uses non-probability sampling with purposive sampling technique where the sample is taken based on certain criteria. The method used in data collection is to use a questionnaire with a Likert measurement scale of 1-7, so that the data obtained is 100 respondents. Data analysis in this study used multiple linear regression. The results showed that product quality had an effect on purchasing decisions and price perceptions had no effect on purchasing decisions.
Analisis Kontribusi Pendapatan Asli Daerah dan Dana Perimbangan Terhadap Pertumbuhan Ekonomi: Studi pada Kabupaten Sampang dengan Belanja Daerah Sebagai Variabel Intervening Siti Rohizah; Kiky Asmara; Fauzatul Laily Nisa
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.v6i9.8811

Abstract

Economic development in a region is one of the starting points in the implementation of development with the hope that the region can find out the potential that exists in order to utilize it to fulfill the needs in the region. Sampang Regency still has problems and challenges in regional financial management. Balance funds are still the main source of regional income with an increasing value. This study aims to analyze the effect of Regional Original Revenue and Balancing Funds on Economic Growth with Regional Expenditure as an intermediary variable that is considered to be able to connect between variables. With the quantitative analysis method and path analysis technique, the results show that Local Revenue has a negative and insignificant effect on Economic Growth, while the Balance Fund variable has a positive and significant effect on Economic Growth. Furthermore, the Regional Expenditure variable cannot mediate the relationship between Local Revenue and Economic Growth because it still produces a negative value, on the other hand, Regional Expenditure is able to become an effective intervening variable in the relationship between balancing funds and economic growth.
Analysis of the Impact of the Merger on Non-Performing Financing and Profitability of Bank Syariah Indonesia (BSI) for the Period 2021 - 2024 Syarifah Farida; Setiyo Purwanto
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.v6i9.8829

Abstract

This study aims to analyze the effect of merger policies on the level of Non-Performing Financing (NPF) and profitability at Bank Syariah Indonesia (BSI) during the period 2021 to 2024. Using secondary data from BSI's annual financial statements published by the Financial Services Authority (OJK) and the nonparametric statistical method of the Wilcoxon test, this study tested the significant differences between the NPF conditions before and after the merger. The results of the analysis showed a significant decrease in the NPF ratio from 2.93% in 2021 to 1.90% in 2024, which was followed by an increase in profitability measured through Return on Assets (ROA) and Return on Equity (ROE). This research also highlights the importance of effective risk management and operational efficiency as key factors for the success of mergers in strengthening BSI's position as the largest Islamic bank in Indonesia. These findings provide strategic implications for bank managers and policymakers in optimizing merger synergies to support sharia economic growth and national financial stability.
Pengaruh Corporate Culture, Motivasi Karyawan, Dan Inovasi Organisasi Terhadap Praktik Kepemimpinan Transformasional di PT KAI Daop 6 Yogyakarta Adi Prasetyo; Surya Darmawan
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.v6i9.8839

Abstract

This study aims to analyze the influence of corporate culture, employee motivation, and organizational innovation on transformational leadership practices at PT KAI DAOP 6 Yogyakarta. This study uses a quantitative approach with a survey method. The sample was determined using a purposive sampling technique, and the questionnaire was compiled using a five-point Likert scale. A total of 95 respondents who were permanent employees of PT KAI DAOP 6 Yogyakarta with a minimum work period of one year were involved in this study. The research instrument was a closed questionnaire, and the analysis technique used was multiple linear regression. The results of the analysis showed that, both partially and simultaneously, corporate culture, employee motivation, and organizational innovation had a positive and significant effect on transformational leadership practices. This study is expected to provide practical implications for the development of leadership strategies and human resource management in public transportation organizations.
Pengembangan SDM dalam Mewujudkan Organisasi di Era Digital: Persfektif Hukum Ekonomi Islam pada Lembaga Pendidikan Tinggi Nia Puspita Hapsari; Imam Muhtadin; Endang Ruswanti
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.v6i9.8841

Abstract

The development of the virtual website period even demands that organizations, including higher education institutions, under go transformation in human resource (HR) management to develop competitiveness, on an ongoing basis. The strategy of expanding human resources is considered as the key to forming individuals who are adaptive, competent, and have integrity in accordance with the principles of Islamic Economic Law. The study aims to examine the strategy ode developing human resources in higher education institutions in facing challenges of the virtual period based on the perspective of Islamic Economic Law. The method in the study is descriptive qualitative analysis. The results of the study found that effective human resources development needs to be integrated with digital competence, improving spiritual quality, and implementing sharia value such as justice, trust worth thinnest, and balance. The implication of the study present human resource policies that are adjusted to Islamic values, and remain relevant to the needs of the organizations.

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