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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 1,721 Documents
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Diversifikasi Minuman Kaleng atau Botol (Studi Kasus: Strategi Diversifikasi Produk You C 1000) Persfektif UUPK Hapsari, Nia Puspita; Sulaiman, Suhendar; Ruswanti, Endang
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.10835

Abstract

Product diversification is a strategy generally implemented by Fast Moving Consumer Goods (FMCG) companies to expand the market, and increase competitiveness. However, this strategy must be implemented by paying attention to consumer protection aspects as regulated in Law No. 8/Th.1999 concerning Consumer Protection (UUPK). This Study aims to analyze the product diversification strategy of You C 1000 canned, and bottled beverages from the persfective of UUPK, especially regarding consumer rights, and obligations, and the responsibilities of business actors. The study uses a qualitative approach with a case study method through secondary data analysis in the form of library documents, statutory regulations, and scientific literature in the field of marketing and consumer protection law. The results of the study indicate that the product diversification strategy of You C 1000 through the development of flavor variants, and packaging innovations to obtain a safe, and beneficial products. However, the company needs to ensure that health benefit claims are conveyed honestly, correctly, and not misleadingly to avoid violating the provisions of  Articles 8 and 9 of UUPK. Research confirms that product diversification is not only orinted towards business growth, but must also prioritize the principles of legal responsibility, and consumer protection in order to create fair, and sustainable business practices.
Pengaruh Kepatuhan Syariah Terhadap Kinerja Maqashid Sharia Perfomance dengan Intellectual Capital Sebagai Variabel Moderasi Andriano, Ikbar; Pratama, Bima Cinintya; Pramono, Hadi; Mudjiyanti, Rina
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.10955

Abstract

The performance of Islamic banks should not be assessed solely through financial indicators but also through their ability to realize ethical values and public welfare as reflected in the Maqashid Shariah framework. However, empirical studies that komprehensif eously examine the role of Intellectual Capital and Sharia Compliance in explaining Maqashid Shariah Performance (MSP) remain limited. This study aims to analyze the influence of key components of Intellectual Capital and the level of Sharia Compliance on the variation of MSP in Indonesian Islamic commercial banks. Using panel data from 2013–2023, the research employs a quantitative approach based on secondary data extracted from annual reports of Islamic banks. The findings indicate that human capital efficiency and structural capital contribute significantly to the achievement of Maqashid, while capital employed and sharia compliance do not exhibit meaningful effects. The moderation analysis further reveals that only the interaction between sharia compliance and structural capital strengthens MSP. These results highlight that the realization of Maqashid relies more on internal systems, human resource competence, and organizational structure rather than solely on formal compliance practices. This study contributes to the development of maqashid-based performance evaluation and provides practical implications for Islamic banks to enhance governance and internalization of sharia values.
Peran Leverage dalam Memediasi Hubungan Current Ratio dan Inflasi Terhadap Kinerja Keuangan pada Perusahaan Manufaktur Non-Cyclical yang Terdaftar di Bursa Efek Indonesia Periode 2021-2024 Nur Hidayati, Lia; Puspitasari, Diana; Kurniawan, Rudi; Nur Chasanah, Amalia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11072

Abstract

This research looks at how Indonesian non-cyclical manufacturing businesses  financial operations are affected by inflation and liquidity, using leverage as a mediating variable. The study sample consists of 77 companies listed on the Indonesian Stock Exchange for the years 2021–2024. Secondary data is analyzed using the PLS-SEM method. This study focuses on the relationship between inflation and financial performance through the use of leverage. The research findings indicate that liquidity (Current Ratio) has a negative and significant impact on financial performance, whereas inflation and leverage do not. Additionally, leverage does not address the relationship between inflation and liquidity with regard to financial performance. This indicates that excessive liquidity might reduce business efficiency. In order to obtain more comprehensive results, subsequent research is advised to increase sample size and incorporate more variables.
Opportunities and Challenges in Implementing Cash Waqf in Climate Change Mitigation in West Lombok Regency Rois, Ihsan; Huzaini, Moh.; Purwadinata, Subhan; Hidayat, Ali Akbar; Jannah, Widyatul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11073

Abstract

Climate change has become a problem that threatens the entire world, and its impact is increasingly being felt in various regions, including the district of West Lombok. This region often experiences various natural disasters such as floods, droughts, and declining agricultural production due to climate change, which has an impact on the community's economy. This study aims to explore the opportunities and challenges of implementing cash waqf for climate change mitigation in West Lombok Regency. This study develops the concept of green waqf that can be used for forest rehabilitation, renewable energy, and sustainable natural resource management. The method used is qualitative research with literature studies, in-depth interviews with stakeholders, and analysis of secondary data related to the potential for waqf in the area. The results of the study show that the opportunities for implementing cash waqf are wide open for climate change mitigation in West Lombok. Meanwhile, the challenges faced are low public awareness of cash waqf, a limited number of cash waqf nazhir, and a limited number of cash waqf collection banks.
Confirmatory Factor Analysis of Circular Economy Practices (5r Framework) at Andri 99 Leather Garut Nugraha, Ade; Rahayu, Rizky; Nur Aeni, Mira; Handayani, Suli; Rismanto, Hilman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11099

Abstract

This research aims For verify structure factor circular economy practices based on the 5R framework (reduce, reuse, recycle, recover, and redesign) in industry skin scale small Andri 99 Leather Garut. Although circular economy concept has Lots being discussed , still little empirical evidence to test relatedness fifth 5R principles in general simultaneously in context industry small companies that use production processes traditional . This research applies approach quantitative with the Confirmatory Factor Analysis (CFA) method for determine whether the implementation of 5R creates One integrated or multidimensional construct . Data obtained through survey to all over craftsmen who play a direct role in activities operational as the population involved completely . The results of the analysis show that the data is valid For processed further (KMO = 0.866; value Bartlett's Test significance = 0.000) and all 5R indicators have mark high loading factor (0.773–0.900) on one factor main with an eigenvalue of 3.633 which is capable of explained 72.65% of the total variance . This finding confirms that Circular economic practices based on 5R in leather SMEs scale small is unidimensional and integrated . This research provides contribution empirical in measuring the circular economy in the MSME sector as well as implications practical For development policies and assistance sustainability industry small based​ craft
Faktor-Faktor yang Mempengaruhi Niat Pembelian Kendaraan Listrik di Indonesia: Sebuah Tinjauan Literatur Sistematis Nurbudiansyah, Muhamad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11106

Abstract

The transition to electric vehicles (EVs) has become a key element in the global sustainability agenda, including in Indonesia. This study aims to systematically identify and synthesize the factors influencing consumers’ purchase intention of electric vehicles in Indonesia based on previous research. The method employed is a Systematic Literature Review (SLR) of ten national academic articles published between 2020 and 2025. The selection process was based on inclusion criteria related to the Indonesian context, focus on purchase intention, and the application of theoretical approaches such as the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM). The review identifies four main categories of factors affecting EV purchase intention: economic, psychological, social, and policy-related. Among these, economic factors—particularly price and incentives—are the most dominant, followed by attitude, perceived behavioral control, and social influence. This study contributes to the formulation of promotional strategies, public policy, and future research directions grounded in the Indonesian context.
Literature Review: Pengaruh Implementasi Green Marketing dalam Meningkatkan Minat Beli terhadap Produk Ramah Lingkungan Brilliant Prayoga, Muhammad Rafiedhia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11107

Abstract

Green Marketing has emerged as a potent strategy for enhancing consumer awareness regarding environmentally friendly products, particularly in light of increasing concerns about sustainability. This research seeks to investigate the impact of Green Marketing on consumer purchase intentions and to pinpoint the challenges and opportunities associated with its implementation, utilizing the Systematic Literature Review (SLR) methodology. In practical terms, transparent and honest Green Marketing has been demonstrated to boost purchase intentions, whereas greenwashing erodes consumer trust. Additional elements such as brand trust and the utilization of social media further amplify the positive effects of Green Marketing. Nevertheless, the relatively higher costs of eco-friendly products continue to pose a significant obstacle, even as consumer awareness of environmental issues steadily rises. This study provides strategic insights for businesses in crafting and executing effective Green Marketing strategies by highlighting the significance of transparency, credibility, and genuine sustainability communication.
Faktor-Faktor Penentu Minat Generasi Z dalam Penggunaan Buy Now Paylater pada Mahasiswa Universitas Dian Nuswantoro Semarang Alvita Cahyarani, Tharisya; Oktavia, Vicky; Anomsari, Ariati; Santi Samasta, Almira
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11115

Abstract

This study aims to identify the factors influencing the interest of Universitas Dian Nuswantoro students in using Buy Now Pay Later (Paylater) services. The research focuses on three aspects: Perceived Ease of Use, Functional Financial Needs, and Hedonistic Lifestyle. The method employed is descriptive quantitative research with a survey approach. The study involved 160 students who had previously used Paylater services. The collected data were analyzed using SmartPLS 4 software, examining validity, reliability, and structural model tests. The results indicate that Hedonistic Lifestyle positively and significantly affects the intention to use Paylater, followed by Functional Financial Needs, which also have a significant influence. Meanwhile, Perceived Ease of Use does not have a significant effect, as young people, particularly Generation Z, are already very familiar with various digital applications, making operational ease not a primary factor. The study concludes that students’ interest in using Paylater is more influenced by their consumption patterns and financial needs rather than the technical aspects of the system. Based on these findings, several recommendations are offered: to enhance education on the responsible use of Paylater services and to provide clear information about the services so that users can manage their expenses more effectively.
Unpacking Impulsive Buying in Tiktok Live Shopping: The Roles of Influencer Attributes, Interaction Strategies, and Parasocial Relationships Puspaningtyas, Arum; Candra Premananto, Gancar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11125

Abstract

The rise of live commerce through TikTok Shop has transformed consumer behavior patterns, particularly by triggering impulsive purchases through real-time interactions between influencers and audiences. This study aims to analyze the influence of influencer attributes and interaction strategies on parasocial relationships and their impact on perceived quality uncertainty, perceived fit uncertainty, and impulsive buying within the context of TikTok Shop Live. A quantitative research design using Structural Equation Modeling–Partial Least Squares (SEM-PLS) was employed, involving 100 active TikTok Shop Live users as respondents. The results show that influencer attributes and interaction strategies significantly affect the formation of parasocial relationships. Parasocial relationships were also found to reduce perceived quality uncertainty and perceived fit uncertainty, while exerting a strong direct influence on impulsive buying. Additionally, both forms of uncertainty negatively affect impulsive buying, highlighting the cognitive role of consumers in spontaneous purchase decisions. The proposed model explains 67 percent of the variance in impulsive buying, indicating strong predictive power.
Analisis Dampak AI terhadap Model Bisnis Keuangan Syariah: Pendekatan Teknologi Informasi dan Etika Amrizal, Amrizal; Fitriansyah, Reza; Herlini, Herlini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11136

Abstract

The rapid evolution of information technology, particularly artificial intelligence (AI), has substantially transformed diverse sectors, including Islamic finance. This study aims to explore the impact of AI on Islamic finance business models, focusing on the interplay of technological integration and ethical considerations. Despite being in the early stages of technological adoption, AI demonstrates potential to enhance operational efficiency, minimize human error, and improve customer experiences. Data reveals that the global Islamic finance market reached USD 2.88 trillion in 2021; however, challenges persist in the integration of modern technologies. Employing qualitative research methods, in-depth interviews were conducted with 30 stakeholders in the Islamic finance sector to gather insights into the implications of AI. Findings indicate that AI can bolster risk analysis, personalize service offerings, and ensure compliance with Sharia principles, while raising important ethical and privacy concerns. This research contributes to a deeper understanding of how AI can reinforce Islamic finance business models in the digital age.

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