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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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Dampak Influencer Marketing dan Social Media Advertisement Terhadap Customer Trust Skintific Melalui E-WOM Mira Delviyani, Ni Putu; Purnama Dewi, Putu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10341

Abstract

This study aims to determine the influence of influencer marketing and social media advertisment on electronic word of mouth and customer trust, as well as the mediating role of electronic word of mouth on the influence of influencer marketing and social media advertisment on customer trust. The location of this study is in Denpasar City, Bali Province and the sample used is 150 respondents. The data analysis technique was carried out using SmartPLS 4. The results of the study show that influencer marketing has a positive and significant effect on customer trust, social media advertisment has a positive and significant effect on customer trust, influencer marketing has a positive and significant effect on electronic word of mouth, social media advertisment has a positive and significant effect on Regarding the electronic word of mouth, the electronic word of mouth has a positive and significant effect on customer trust, the role of electronic word of mouth as a mediating variable in the relationship between influencer marketing has a positive and significant influence on customer trust and the role of electronic word of mouth as a mediating variable in the relationship between Social media advertisment has a positive and significant influence on customer trust. The suggestion that can be given by the researcher is that the management of Skintific is expected to make more innovations in the product, so that later it can provide quality products, always provide direction to influencers in recommending products to consumers in order to provide accurate and reliable information, Make more interesting ads, as well as make more ads that contain product benefits, as well as testimonials from consumers who have used and are more active in promoting on social media.
Kesesuaian Prosedur Pinjaman Online dengan Maqashid Syariah Jamudi, Jamudi; Fatimah Hasibuan, Sri; Hasibuan , Abdul Nasser
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10351

Abstract

This study aims to analyze the compliance of Islamic-based online loan procedures with the principles of Maqashid Syariah. A qualitative normative-juridical approach was employed through literature analysis of OJK regulations, DSN-MUI fatwas, and both classical and contemporary maqashid theories. The findings indicate that most Islamic fintech lending platforms in Indonesia have implemented maqashid syariah values, particularly in terms of justice, transparency, and asset protection (hifz al-mal). However, challenges remain in the transparency of service fees and consumer understanding of contract mechanisms, which may raise concerns of hidden interest practices. The originality of this research lies in its procedural analysis of Islamic fintech from the maqashid perspective rather than mere legal compliance. Its innovation highlights the integration of digital financial technology with maqashid-based design principles. The study’s implications emphasize the importance of enhancing regulation, Islamic financial literacy, and digital sharia audit to ensure a fair and ethical Islamic online lending ecosystem.
Anteseden dan Konsekuensi Work life balance pada Pegawai Wanita Institut Teknologi Kalimantan Errina Ekaastuti, Rismawanti; Althalets, Fareis
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10354

Abstract

This study aims to determine the effect of work family conflict, emotional intelligence and work life balance on the performance of female employees at the Kalimantan Institute of Technology. This research employed an associative research design with a quantitative approach. The population of this study consisted of female educational staff at the Kalimantan Institute of Technology. The sampling technique used was nonprobability sampling with a saturated sample. The sample of this study consisted of 53 female educational staff at the Kalimantan Institute of Technology. Data collection was conducted using questionnaires distributed both in person and online. The data analysis technique used was path analysis with SmartPLS 4.1.1.6 software. The results of this study indicate that work family conflict does not have a significantly effect on performance, emotional intelligence and work life balance significantly affect performance, work family conflict and emotional intelligence significantly affect work life balance.
Manajemen Kepala Sekolah dan Guru dalam Meningkatkan Kualitas Pembelajaran dengan Mengimplementasikan Nilai-Nilai Moderasi Beragama di UPT Satuan Pendidikan SDN Ngadirejo 1 Kecamatan Tutur Kabupaten Pasuruan Fitriya, Evi; Tharaba, M. Fahim; Muniry, Samsul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10375

Abstract

"Indonesia is a country rich in diversity, such as ethnicity, religion, culture, and language. This diversity can be both a potential and a challenge in maintaining social harmony. In this context, Islam offers four main principles that are key to maintaining peaceful coexistence amidst diversity: Tasamuh (tolerance), Musawah (equality), Tawasuth (moderation),and Ukhuwah (fraternity/brotherhood). This article discusses the management of school principals and teachers in improving the quality of learning by implementing the values of religious moderation in schools with students of different religions."
Pengaruh Ukuran Perusahaan, Profitabilitas, Likuiditas, dan Leverage Terhadap Nilai Perusahaan Rosiyana, Intan; Setiawati, Erma
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10378

Abstract

This study aims to examine the effect of firm size, profitability, liquidity, and leverage on firm value in the property and real estate sector listed on the Indonesia Stock Exchange during 2019–2023. The research employed a quantitative approach using secondary data from audited financial statements. The sample was selected using purposive sampling from 80 companies based on consistency in annual report publication, and completeness of research variables, resulting in 207 observations. Data analysis was conducted using descriptive statistics, classical assumption tests, multiple linear regression, t-tests, and F-tests. The findings indicate that firm size has a positive effect on firm value, leverage has a significant negative effect, while profitability and liquidity have no significant impact. This study provides valuable insights for investors and company management in evaluating factors affecting firm value in the property and real estate sector.
Peran Self-efficacy dan Career Adaptability Sebagai Pemediasi Antara Pengaruh Protean Career Orientation Terhadap Keputusan Karir Windari, Ratna Tri; Lestari, Wuryaningsih Dwi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10383

Abstract

Technological developments and advances have brought about changes that require individuals to not only have relevant technical skills but also a high level of adaptability in order to maintain and develop their careers. This study aims to explore how protean careers, career adaptability, and self-efficacy in career decision-making interact among young people aged 14-27 years in Karanganyar Regency. The sample consisted of 240 respondents selected through purposive sampling. Data were collected using a questionnaire and analyzed using the SEM method with Smart PLS. The results show that Protean Career Orientation has a positive and significant effect on Career Decisions, Self-Efficacy, and Career Adaptability. Career Adaptability positively and significantly influences Career Decisions, while Self-Efficacy does not influence Career Decisions. Overall, Protean Career Orientation influences Career Decisions through Adaptability, but not through Self-Efficacy.
Pengembangan Modal Masyarakat Melalui Penerapan Akad Syariah oleh Kopontren Sidogiri pada Toko Basmalah Sidogiri Pasuruan Sulastri, Sulastri; Faizah, Faizah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10403

Abstract

Cooperatives serve as a strategic solution for low-income communities in addressing economic challenges, including in Islamic boarding schools (pesantren), which develop Sharia-based cooperatives known as Kopontren. Proper capital management aligned with Sharia principles is essential to ensure business sustainability and to prevent involvement in usury-based practices that remain prevalent in financial activities. This study aims to: (1) examine the capital collection process in Kopontren Sidogiri, (2) identify the Sharia contracts used in the capital collection, and (3) analyze capital development strategies implemented in Toko Basmalah of Sidogiri Islamic Boarding School Pasuruan. The research employed a descriptive qualitative approach using interviews, observations, and documentation. The results reveal that Kopontren Sidogiri initially collected capital from family contributions and teachers, and later expanded by opening membership to the surrounding community. Three Sharia contracts were applied: ijarah, musyarakah, and mudharabah, all supervised by an internal Sharia supervisory board. Capital development is carried out through business strategy optimization and the establishment of several subsidiary units to strengthen Kopontren Sidogiri’s economic growth.
Implementasi Islamic Corporate Social Responsibility (ICSR) di Indonesia: Telaah Komprehensif terhadap Tanggung Jawab Sosial Berbasis Syariah Selvia, Dinda; Albahi, Muhammad; Andrini, Rozi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10419

Abstract

This research is motivated by the phenomenon of the implementation of Islamic Corporate Social Responsibility (ICSR) in Indonesia, which has not yet fully reflected sharia values ​​comprehensively. The purpose of this study is to analyze in-depth the implementation of ICSR in sharia-based companies, identify gaps between normative concepts and empirical practices, and formulate an ideal and sustainable implementation model. The research method uses a qualitative approach with literature analysis and secondary data in the form of sustainability reports and sharia CSR policy documents. The results show that although normatively ICSR is based on the principles of ihsan, tauhid, and maqashid al-syariah as a form of worship and trust, its implementation in the field is still formalistic, administrative, and image-oriented. The findings indicate that ICSR does not significantly impact financial performance, but has a positive impact on reputation and consumer loyalty when implemented substantially and transparently. This study implies the need to revitalize ICSR implementation through the integration of maqashid al-syariah values, the application of the Shariah Impact-Based CSR model, strengthening sharia governance, and impact-based reporting so that ICSR implementation can deliver economic, social, and spiritual sustainability in a balanced manner and in accordance with the objectives of social responsibility in Islam.
Pengaruh Influencer Marketing, Marketing Content dan Viral Marketing Campaign Terhadap Niat Membeli Produk Makanan dan Minuman Di Kalangan Generasi Z Rahmadina Azzahhra, A. Malika; Auliya Sari, Masyita; Karmelia, Sutra; Welson, Troy; Erwin, Erwin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10429

Abstract

The rapid development of social media has generated significant changes in consumer behavior, particularly among the digital generation that increasingly relies on online content as the basis for decision-making. However, micro, small, and medium enterprises (MSMEs) in the food and beverage sector still face challenges in building consumer trust, capturing audience attention, and increasing purchase intention through digital marketing strategies. This study examines how influencer marketing, marketing content, and viral marketing contribute to enhancing consumer purchase intention. This descriptive quantitative study involved 178 active social media users who had been exposed to influencer content, viral campaigns, and digital marketing materials. Data were collected through a five-point Likert scale questionnaire and analyzed using PLS-SEM with the support of SmartPLS version 4.0.The findings indicate that influencer marketing has a positive significant effect on purchase intention. Marketing content shows a positive and significant influence on purchase intention, emphasizing that the effectiveness of digital marketing is not solely determined by visual appeal but is strongly shaped by the informativeness, creativity, and relevance of the message. Additionally, viral marketing also exerts a positive and significant impact on purchase intention, particularly through the rapid and extensive spread of promotional messages. Overall, these results highlight the importance of content quality and audience engagement dynamics in transforming digital marketing strategies into tangible boosts in consumer purchase intention.
The Impact of Digital Advertising on Online Consumer Behavior: Visual Trends and Future Research Directions Syamsudin, Moch. Rizal; Rosdiana Noer, Lissa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (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.v6i12.10430

Abstract

In today’s digital era, digital advertising has reshaped how we shop and engage with brands. This study aims to analyze the development and research trends concerning the impact of digital advertising on online consumer behavior through a bibliometric analysis of Scopus indexed articles. The findings reveal that digital advertising has transformed brand consumer interactions through social media, e-commerce, and search engines, with an emphasis on building loyalty and trust through personalized strategies. Key findings indicate the dominance of topics such as social media marketing, consumer engagement, and online shopping behavior in the literature, with a significant upward trend. The study also identifies critical challenges, including data privacy concerns and the younger generation’s difficulty in distinguishing between content and advertising. Collaboration analysis reveals disparities in research participation, with Western countries still leading, while developing nations like Indonesia show promising potential. The study recommends further exploration of emerging technologies such as artificial intelligence (AI) and augmented reality (AR) in digital advertising, along with interdisciplinary approaches to understand the dynamics of consumer behavior in the digital age. The implications of this research contribute both to academic development and to more effective and ethical digital marketing practices.

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