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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 1,925 Documents
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Pengaruh Perkembangan Peer-to-Peer Lending terhadap Penyaluran Kredit Bank KBMI 1 di Indonesia Putti Tara Aliffia; Tyas Danarti Hascaryani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (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.v7i8.13081

Abstract

The rapid growth of peer-to-peer (P2P) lending in Indonesia raises questions about its impact on banking intermediation, particularly in Bank KBMI 1. This study analyzes the effect of P2P lending growth on Bank KBMI 1 credit growth using monthly data from October 2021 to June 2025 and the Autoregressive Distributed Lag (ARDL) method. The results indicate that P2P lending outstanding and the number of borrowers have no significant long-run effect on credit growth, although they are associated with short-run financing dynamics. Meanwhile, third-party funds and inflation positively and significantly affect credit growth, whereas the BI7DRR has no significant effect. These findings suggest that P2P lending has not replaced the intermediation role of Bank KBMI 1 but instead tends to develop alongside the banking sector in meeting financing needs.
Pengaruh Harga, Kualitas Produk, dan Influencer Review Terhadap Keputusan Pembelian Produk Skincare Glad2Glow Esteur Novia Susantika; Januar Wibowo; Antok Supriyanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (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.v7i8.13108

Abstract

The continuous growth of Indonesia's skincare industry has intensified market competition, encouraging companies to better understand the factors that influence consumers' purchasing decisions. This study aims to investigate the effects of price, product quality, and influencer reviews on the purchase decisions of Glad2Glow skincare products among followers of the @glad2glow Instagram account. A quantitative research approach was employed using a survey method, with questionnaires distributed to 190 respondents who follow the @glad2glow Instagram account and have previously used Glad2Glow products. The respondents were selected through purposive sampling, and the data were analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) approach with SmartPLS 4 software. The results reveal that price, product quality, and influencer reviews each have a positive and significant influence on consumers' purchase decisions. Among these variables, price exerts the strongest effect, while product quality and influencer reviews also make significant contributions to consumers' purchasing decisions. Furthermore, the coefficient of determination (R²) of 0.539 indicates that these variables collectively explain 53.9% of the variation in purchase decisions, whereas the remaining 46.1% is attributed to other variables beyond the scope of this study. These findings imply that maintaining competitive pricing, ensuring product quality, and utilizing credible influencer reviews are essential strategies for improving consumers' purchase decisions toward Glad2Glow skincare products.
Analisis Penerapan Total Quality Management Guna Menjaga Mutu Produk pada Usaha Arang Halaban MJA di Kota Samarinda Devita Maya Sari; Muhammad Zaini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (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.v7i8.13138

Abstract

Quality control in traditional manufacturing industries often faces quality inconsistency constraints as a result of the lack of standardization of work procedures and quality control. A strategy is needed to improve quality and productivity in order to continue to compete in the tight business competition. Through the implementation of Total Quality Management (TQM) carried out with the support of all aspects of the business not only focusing on one aspect has an important role in sustainable business and uses the Plan-Do-Check-Act (PDCA) cycle as a measuring tool that can realize policies to maintain, and improve or increase standards. This study aims to analyze the implementation of Total Quality Management (TQM) and quality conformity based on the Plan-Do-Check-Act (PDCA) cycle in the Halaban MJA Charcoal business (Mashurin Jaya Abadi). The research method used is descriptive qualitative with data collection techniques through in-depth interviews, field observations, and confirmatory descriptive questionnaires as supporting data. The results of the study indicate that the TQM elements of obsession with quality, scientific approach, and teamwork are still not optimal so they still need improvement. However, PDCA cycle-based evaluations show that they are not fully in accordance with the Plan–Do–Check–Act (PDCA) principles because they are not supported by written standard operating procedures (SOPs), process standards, and adequate evaluation documentation.
Pengaruh Kualitas Pelayanan dan Pengalaman Pelanggan Terhadap Kepuasan Pelanggan pada BNI Kcu Jl. Perintis Kemerdekaan Bandung Dhea Octaviani; Dadan Abdul Aziz Mubarok
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (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.v7i8.13221

Abstract

Escalating competition within the financial services industry pushes banks to look beyond product-based advantages and instead pay closer attention to how services are delivered and perceived by customers. This study analyzes the degree to which service quality and customer experience determine the satisfaction levels of clients at BNI KCU Perintis Kemerdekaan. Employing a quantitative survey-based approach, a total of 105 customers were recruited through purposive sampling. Data were executed via Partial Least Squares Structural Equation Modeling (PLS-SEM) utilizing the SmartPLS 4.0 software. The empirical outcomes demonstrate that service quality exerts a positive and significant effect on client satisfaction. In a similar vein, customer experience also has a positive and significant impact exhibiting an even stronger effect compared to service quality. The coefficient of determination (R-square) reaches 0.575 revea that both variables jointly account for 57.5% of the variance in client satisfaction. Ultimately, this research confirms that elevating service quality while simultaneously optimizing customer experience represents a strategic imperative for banks seeking to optimize satisfaction
Modernizing Talisayan Regional General Hospital's Holistic Inpatient Services: The Role of Human Resources, Infrastructure, and Physician Attrition with Innovation as a Key Driver Andik Irwanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (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

Abstract

This research examines the effects of human resource competence, facilities and infrastructure, and doctor turnover on the quality of inpatient services within Talisayan Regional Public Hospital, located in Berau Regency, employing innovation as a mediating variable. The study was conducted using an explanatory quantitative methodology, involving a total population of 3,082 inpatient individuals, from which a sample of 97 respondents was selected through purposive sampling, adhering to a 10% margin of error as determined by the Slovin formula. Data collection was executed using Likert-scale questionnaires and analysed employing Partial Least Squares-Structural Equation Modelling utilising SmartPLS 4. The results indicate that human resource competence exerts a positive influence on innovation (0.283), while facilities and infrastructure also demonstrate a positive impact (0.422). In contrast, doctor turnover negatively influences innovation (-0.449). In terms of its direct effects on comprehensive service, human resource competence has a slight non-significant impact (0.074), facilities and infrastructure show a significant effect (0.185), and doctor turnover presents a negative non-significant influence (-0.091). Innovation: A comprehensive service significantly benefits from innovation (0.408). Innovation significantly contributes to comprehensive service (0.408). Indirectly, the positive impacts of Human Resource Competence (0.115) and Facilities and Infrastructure (0.172) on Comprehensive Service are significant, whereas Doctor Turnover again exhibits a negative effect (-0.183). Penelitian ini menyelidiki dampak dari Kompetensi Sumber Daya Manusia, Sarana Prasarana, dan Turnover Dokter terhadap pelayanan paripurna untuk pasien rawat inap di RSUD Talisayan, dengan Inovasi berfungsi sebagai variabel intervening. Mengaplikasikan metodologi kuantitatif eksplanatori, studi ini melibatkan 97 responden yang diambil dari populasi 3.082 pasien rawat inap dengan menggunakan teknik purposive sampling dan pengumpulan data melalui kuesioner Likert. Hasil analisis menunjukkan adanya pengaruh signifikan Kompetensi SDM terhadap Inovasi sebesar 0,283, pada Sarana Prasarana sebesar 0,422, dan dampak negatif dari Turnover Dokter sebesar -0,449. Pengaruh langsung terhadap pelayanan paripurna memperlihatkan bahwa Kompetensi SDM tidak signifikan dengan nilai 0,074, sedangkan Sarana Prasarana signifikan pada 0,185, dan Turnover Dokter juga tidak signifikan dengan nilai -0,091. Inovasi menunjukkan dampak positif yang signifikan terhadap pelayanan paripurna dengan nilai 0,408. Secara tidak langsung, Kompetensi SDM memiliki pengaruh positif yang signifikan sebesar 0,115, Sarana Prasarana sebesar 0,172, dan Turnover Dokter memberikan pengaruh negatif yang signifikan sebesar -0,183 terhadap pelayanan paripurna melalui Inovasi.

Page 193 of 193 | Total Record : 1925

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