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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 1,988 Documents
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Transformasi Ekosistem Wakaf Produktif Berbasis Maqashid Syariah untuk Mewujudkan Pembangunan Sosial Ekonomi Berkelanjutan Tri Anugraha; Fitoyo Pambudi; Irfan Firmanto; Soeharjoto Soeharjoto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.12756

Abstract

Waqf, as an instrument of Islamic social and financial economics, has the potential to support sustainable socio-economic development programs for the community. Purpose of this research is to analyze the contribution of waqf to the socio-economic development of the community, from the perspective of both the actors and the beneficiaries, as well as to formulate a model for the transformation of a productive waqf ecosystem based on maqashid sharia. This research used a qualitative approach with a literature study method. Data analysis is conducted using content analysis with a maqashid syariah perspective as the main analytical framework. Result of this research show that productive waqf contributes to poverty alleviation, economic empowerment of the community, development of MSMEs, improvement in the quality of education, strengthening of health services, and enhancement of social welfare. Digital transformation through digital waqf platforms, sharia fintech, cash waqf, and Cash Waqf Linked Sukuk increasingly strengthens the effectiveness, transparency, and sustainability of waqf management. In addition to supporting the achievement of Sustainable Development Goals, waqf plays a role in realizing the objectives of maqashid sharia thru the protection of religion, life, intellect, lineage, and property. Strengthening governance, enhancing the professionalism of nazhir, digitalization waqf management, and multi-stakeholder collaboration are important factors in optimizing the role of waqf as a strategic instrument for inclusive, just, and sustainable socio-economic development in accordance with sharia principles.
Service Quality, Waiting Time, Therapeutic Communication and Infrastructure on Patient Satisfaction Andi Markoco; Istiatin Istiatin; Yunus Yunus
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.13034

Abstract

This study aims to analyze the influence of service quality, waiting time, therapeutic communication, and infrastructure on the satisfaction of outpatients participating in BPJS at Gantiwarno Community Health Center, Klaten Regency. The study used a quantitative approach with a survey method. The study population was outpatients participating in BPJS with an average of 2,000 visits over the past three months. The study sample consisted of 100 respondents selected using probability sampling techniques with a random sampling method. Data collection was carried out through distributing questionnaires, while data analysis used multiple linear regression. The results of the study show Based on the results of data analysis and hypothesis testing, it can be concluded that work discipline and transfers have a positive and significant effect on job satisfaction and employee performance at the Surakarta Class IA Religious Court. In addition, job satisfaction is also proven to have a positive and significant effect on employee performance. The results of the study indicate that job satisfaction acts as a mediating variable that is able to positively and significantly mediate the effect of work discipline on employee performance, as well as positively and significantly mediate the effect of transfers on employee performance.
Service Quality, Facilities and Infrastructure, Interpersonal Communication, and Accommodation Image on Customer Satisfaction in Nakula Sadewa BBGTK Hospitality Fitria Anggrahini; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.13055

Abstract

The purpose of this study is to test and analyze the influence of service quality, facilities and infrastructure, interpersonal communication and lodging image on customer satisfaction in using Wisma Nakula Sadewa in BBGTK Central Java Province. This type of research is quantitative research. This research took place in The research was conducted at the office of the Center for Teachers and Education Personnel (BBGTK) Central Java Province. Data collection techniques through questionnaires. The research sample was 100 respondents. Data analysis techniques used multiple regression tests, F tests, t tests, and determination tests (R2). Based on the results of research that has been done on the influence of Service Quality, Facilities and Infrastructure, Interpersonal Communication and Lodging Image on Customer Satisfaction in using Wisma Nakula Sadewa in BBGTK Central Java Province, it can be concluded that service quality influences customer satisfaction in using Wisma Nakula Sadewa. Facilities and infrastructure influence customer satisfaction. Interpersonal communication influences customer satisfaction.  Image of the accommodationinfluences customer satisfaction. A positive image created through good service, adequate facilities, and a comfortable environment can increase customer trust and satisfaction in using Wisma Nakula Sadewa.
The Effect of Work Period, Motivation, Leadership and Work Environment on The Performance of Health Workers Faisal Abas Teuku Ibrahim; Istiatin Istiatin; O'ong Ridhoi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.13063

Abstract

The purpose of this research is toanalyzeand examine the influence of length of service, motivation, leadership, and work environment on the performance of healthcare workers at Weda Regional General Hospital. This study was conducted at Weda Regional General Hospital. This study was quantitative, with data collection using questionnaires. The population of this study was 307 healthcare workers. A sample of 61 respondents was taken. Data analysis techniques used were multiple regression, F-test, t-test, and determination test (R2). The results showed thatthere is an influenceThe influence of work period on the performance of health workers at Weda Regional General Hospital. Motivation influences the performance of health workers at Weda Regional General Hospital. Leadership influences the performance of health workers at Weda Regional General Hospital. The work environment influences the performance of health workers at Weda Regional General Hospital.
Analisis Kelayakan Pengembangan Usaha Kerupuk Ikan Tenggiri Cap Nona Di Kabupaten Sidoarjo Dalam Perspektif Etika Bisnis Islam Dwi Hanum Fadilah; Ahmad Ajib Ridlwan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.13074

Abstract

This study aims to analyze the feasibility of developing the Cap Nona mackerel cracker business in Sidoarjo Regency by examining legal, market and marketing, operational, management and organizational, financial, as well as economic and social aspects from the perspective of Islamic business ethics. The method used is a qualitative case study, involving primary data obtained through semi-structured interviews with related parties, such as business owners, employees and consumers, as well as secondary data covering operational and business financial reports. The results of the study indicate that the Cap Nona mackerel cracker business is viable for development because it already possesses business legality, strong market demand, and operational and financial management capable of supporting the business’s sustainability. From the perspective of Islamic business ethics, this business has applied the principles of tawhid, justice, freedom, responsibility, and virtue in conducting its business activities. A viable development strategy is the S-O strategy, which involves improving product quality and expanding marketing efforts to support sustainable business growth. By leveraging the business’s strengths and existing market opportunities, the Cap Nona mackerel fish cracker business has the potential to enhance its competitiveness and provide economic benefits to the surrounding community.
The Decision to Use Training Services is Reviewed From the Promotion, Costs, Facilities and Location of Vocational Training Center and Productivity Surakarta Dillyana Krismianingrum; Sudarwati Sudarwati; Sarsono Sarsono
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.13111

Abstract

The objectives of this study are (1) to test and analyze the influence of promotion on the decision to use training services at the Surakarta Vocational and Productivity Training Center. (2) to test and analyze the influence of costs on the decision to use training services at the Surakarta Vocational and Productivity Training Center. (3) to test and analyze the influence of facilities on the decision to use services at the Surakarta Vocational and Productivity Training Center. (4) to test and analyze the influence of location on the decision to use training services at the Surakarta Vocational and Productivity Training Center. The research was conducted at the Surakarta Vocational and Productivity Training Center. The sample of this study was 182 students of the project-based learning training program batch IV at the Surakarta Vocational and Productivity Training Center with a saturated sampling technique. The data collection technique used a questionnaire. The data analysis technique used multiple linear regression analysis. The results of this study indicate that promotion has a positive and significant effect on the decision to use services. Costs do not have a significant effect on the decision to use services. Facilities do not have a significant effect on the decision to use services. Location does not have a significant effect on the decision to use services. Promotion, costs, facilities and location simultaneously have a positive and significant effect on the decision to use services.
Motivasi Kerja dalam Perspektif Islam dan Implikasinya terhadap Kinerja Sumber Daya Insani Ari Prasetyo; Ghina Salsabilla Iskandar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.13170

Abstract

This study aims to analyze the concept of work motivation from an Islamic perspective and its implications for human resource performance. The study employed a conceptual qualitative approach using library research methods through the analysis of scientific literature related to work motivation, spirituality, and Islamic human resource management. The findings reveal that Islamic work motivation has a holistic character by integrating intrinsic, extrinsic, and spiritual dimensions. In Islam, work is not only oriented toward material achievement but is also considered an act of worship based on the values of amanah, ihsan, and seeking the pleasure of Allah SWT. Spiritual motivation positively influences productivity, job satisfaction, organizational commitment, loyalty, and employee work ethics. The study also indicates that modern motivation theories still have limitations in accommodating spiritual dimensions. Therefore, integration between modern managerial approaches and Islamic values is necessary for sustainable human resource development.
The Influence of Brand Image, Celebrity Endorsement and Product Quality on Emina Skincare Purchase Decisions Nur Lailatul Khoiriyah; Sri Hartono; Ibnu Suryo
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.13179

Abstract

        This study aims to analyze the influence of brand image, celebrity endorsement, and product quality on Emina Skincare Purchasing Decisions at Neyya Shop Nusukan Surakarta. This study uses a quantitative descriptive approach with a purposive sampling technique. The population in this study were all Neyya Shop consumers who had purchased Emina Skincare products. The research sample consisted of 100 respondents, namely consumers who had purchased Emina Skincare products at least 3 times and were willing to be respondents. Data collection was carried out by distributing questionnaires to respondents. The data analysis method used was multiple linear regression analysis with the help of IBM SPSS software. The independent variables in this study consisted of brand image, celebrity endorsement, and product quality, while the dependent variable was the purchasing decision. The results showed that brand image had a positive and significant effect on purchasing decisions. Celebrity endorsement had a positive and significant effect on purchasing decisions. Product quality had a positive and significant effect on purchasing decisions. Simultaneously, brand image, celebrity endorsement, and product quality had a positive and significant effect on purchasing decisions of Emina Skincare at Neyya Shop Nusukan Surakarta.
Memperkuat Loyalitas Nasabah dalam Era Hybrid Banking: Peran Human Touch, Suku Bunga Simpanan dan Digital Experience pada Bank BNI Kantor Cabang Semarang Adinda Divana Putri; Ali Maskur
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.13245

Abstract

Digital transformation is driving banks to adopt "hybrid banking"—an approach integrating digital services with face-to-face interactions—to meet increasingly diverse customer needs. This shift requires banks not only to introduce technological innovations but also to maintain high-quality personal interactions and offer competitive financial benefits to strengthen customer loyalty. This study aims to analyze the impact of "Human Touch," Deposit Interest Rates, and Digital Experience on the customer loyalty of PT Bank Negara Indonesia (Persero) Tbk, Semarang Branch. A quantitative approach was employed, utilizing a survey method with 110 respondents selected through purposive sampling. Data were collected via Likert-scale questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics software. The results indicate that Human Touch, Deposit Interest Rates, and Digital Experience all have a positive and significant impact on customer loyalty, both individually and simultaneously. Deposit Interest Rates emerged as the most dominant factor influencing customer loyalty. The findings suggest that customer loyalty in the hybrid banking era is shaped by the quality of personal interactions, the financial benefits received, and positive experiences with digital services. These results are expected to provide valuable insights for banks in designing service strategies that integrate relational, economic, and technological aspects to sustainably enhance customer loyalty.
The Effect of Work from Anywhere, Work Life Balance, Organizational Commitment and Digital Competence on Employee Performance Kandu Prakoso; Istiatin Istiatin; Bambang Mursito
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (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.v7i10.13247

Abstract

This study aims to test and analyze the effect of work from anywhere on employee performance at BBGTK Central Java Province, test and analyze the effect of work life balance on employee performance at BBGTK Central Java Province, test and analyze the effect of organizational commitment on employee performance at BBGTK Central Java Province, test and analyze the effect of digital competence on employee performance at BBGTK Central Java Province.This type of research is quantitative descriptive research. The object of this research isemployees at BBGTK Central Java Province. The sampling technique used was random sampling. The sample size was 100 respondents. The data analysis technique used in this study was multiple linear regression with hypothesis testing using the t-test, F-test, and coefficient of determination (R2). The results showed that Work From Anywarehas a significant impact on employee performanceat the Center for Teachers and Education Personnel (BBGTK) of Central Java Province. Variables Work Life Balance has a significant impact on employee performanceat the Center for Teachers and Education Personnel (BBGTK) of Central Java Province.Organizational Commitmenthas a significant impact on employee performanceat the Center for Teachers and Education Personnel (BBGTK) of Central Java Province. Digital Competencehas a significant impact on employee performanceat the Center for Teachers and Education Personnel (BBGTK) of Central Java Province

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