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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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Relevansi Strategi Manajemen Risiko Pembiayaan dalam Konteks Perbankan Syariah Rofiqoh Lubis, Nurul; Mutthaqin, Muhammad Satrya; Sugianto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.1334

Abstract

Financing risk management in Islamic banking is a crucial aspect related to the identification, measurement, control and monitoring of risks that may arise in financing provided by Islamic financial institutions. challenges faced by sharia financial institutions in managing financing risks. One of them is risks related to financing that arise due to the complexity of transactions and fluctuating economic conditions. This research aims to analyze the types of sharia business risks, sharia business models, measurement processes and monitoring processes of financing risk management in sharia banking. The research method used in this study is qualitative research with a descriptive approach. A qualitative approach is used in this research because this study aims to describe and understand the complexity of financing risk management strategies in Islamic banking. The results of this research show that in sharia business risk management, there are several categories of business risk, including financing risk, market risk, liquidity risk and operational risk. Financing risk focuses on the customer's capability to repay the financing provided by sharia financial institutions. Sharia business models include a variety of business strategies rooted in Islamic sharia principles, such as fairness, honesty and impartiality. These sharia business models include manufacturing, distributors, retail, franchising, sharia banking, and sharia microfinance, each of which emphasizes products and services that comply with applicable sharia principles.
Penarikan Kendaraan di Tengah Jalan Sebagai Cara Penyelesaian Wanprestasi di PT XXX Finance M. Iqbal Abdurrahman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.1345

Abstract

Contractual relationships in the world of economics and business, usually involve an agreement between two parties, each party has obligations or achievements that must be fulfilled. If there is an imbalance in the fulfillment of obligations from one of the parties, default occurs. In this default case, the parties have entered into a murabahah financing contract, but because the debtor does not carry out his obligations to pay, the creditor makes a forced withdrawal by using the services of a third party with the intention of securing the financing object in the form of a car which will then be executed against the murabahah financing object. This research method is a qualitative method. The approach used is qualitative juridical, namely an analysis that bases or relies on legal reasoning, legal interpretation, and legal argumentation in a coherent and sequential manner, using theories, concepts, and legal principles obtained from the results of literature review. The conclusion in the dispute resolution by PT XXX Finance is not in accordance with legal procedures and has entered the realm of tort.
Analysis Of High Job Satisfaction And Employee Engagement With High Employee Turnover: A Curious Case Of Edutech Kezia Junica Lexyus; Andika Putra Pratama
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.1363

Abstract

This stuldy elxplorels thel paradoxical phelnomelnon at edutech, whelrel thelrel is a simulltanelouls occulrrelncel of high elmployelel tulrnovelr alongsidel high lelvells of job satisfaction and elmployelel elngagelmelnt. Thel relselarch aims to ulncovelr thel delelpelr managelrial aspelcts contribulting to this discrelpancy, offelring insights and stratelgiels to managel elmployelel tulrnovelr whilel maintaining a positivel work elnvironmelnt. Thel stuldy elmploys a pulrelly qulalitativel melthodology, celntelring on thel sulbjelctivel elxpelrielncels and pelrcelptions of edutech elmployelels. Thel collelction of primary data involvels condulcting in-delpth intelrvielws with a pulrposivel samplel of approximatelly 50 elmployelels from diffelrelnt divisions. Thel objelctivel is to captulrel thel intricatel and mulltifacelteld aspelcts of job satisfaction, elmployelel elngagelmelnt, and tulrnovelr intelntions.Thel stuldy's concelptulal framelwork is celntelreld on threlel primary variablels: job satisfaction, elmployelel elngagelmelnt, and tulrnovelr intelntion. Thel stuldy of job satisfaction involvels elxamining elmployelels' pelrcelptions of thelir carelelr advancelmelnt, relmulnelration, pelrks, and thel ovelrall working conditions. Thel concelpt of elmployelel elngagelmelnt is analyzeld baseld on factors sulch as elmotional attachmelnt, elnelrgy, commitmelnt, and absorption in work. Thel invelstigation of tulrnovelr intelntion foculsels on elmployelels' elxprelsseld probability of lelaving thel company, with a particullar elmphasis on both intrinsic and elxtrinsic motivations.Thel qulalitativel melthodology elnablels a thoroulgh invelstigation of psychological, elconomic, and delmographic factors that impact thelsel variablels. Elmployelels' pelrsonal aspirations, alignmelnt with organizational objelctivels, pelrcelptions of compelnsation, profelssional growth opportulnitiels, and delmographic attribultels likel agel and lelngth of selrvicel arel scrultinizeld. Thel stuldy's robulstnelss liels in its capacity to captulrel thel intricatel and frelqulelntly ellulsivel aspelcts of thel work elxpelrielncel that qulantitativel melthods might fail to considelr.Thel stuldy's findings delmonstratel a complelx rellationship beltweleln job satisfaction, elmployelel elngagelmelnt, and tulrnovelr intelntions. Althoulgh elmployelels at edutech elxpelrielncel positivel job satisfaction and high lelvells of elngagelmelnt, thelrel arel ulndiscloseld factors that arel caulsing thel high tulrnovelr ratels. Notablel factors incluldel ulnrelalizeld profelssional ambitions, an imbalancel beltweleln work and pelrsonal lifel, appelaling elxtelrnal job prospelcts, and intelrnal problelms within thel organization. Thel relselarch elmphasizels thel significancel of comprelhelnding thel elxtelnt and rangel of thelsel factors, which, delspitel not beling immeldiatelly elvidelnt, grelatly impact elmployelels' choicels to delpart.Thel stuldy elmphasizels thel crulcial importancel of proficielnt commulnication, compassionatel managelrial assistancel, and a fostelring organizational culltulrel in influlelncing elmployelel attituldels and choicels. Thel statelmelnt impliels that edutech shoulld adopt stratelgiels that tacklel both concreltel factors, sulch as compelnsation, and intangiblel ellelmelnts, sulch as relcognition, carelelr advancelmelnt, and maintaining a helalthy work-lifel balancel.To sulmmarizel, this qulalitativel stuldy offelrs a deltaileld and thoroulgh comprelhelnsion of thel factors influlelncing elmployelel tulrnovelr in thel contelxt of high lelvells of job satisfaction and elngagelmelnt. This stuldy elnhancels thel elxisting litelratulrel on hulman relsoulrcels managelmelnt by providing a clelar ulndelrstanding of thel intricatel dynamics beltweleln thelsel factors within an organizational contelxt. Thel findings and sulggelstions obtaineld from this stuldy arel elxtrelmelly valulablel for HR profelssionals, elxelcultivels, and acadelmics, providing a morel profoulnd comprelhelnsion of elmployelel attrition and its complelx factors in a bulsinelss seltting.
Pengaruh Transparansi, Kompetensi, dan Partisipasi Masyarakat terhadap Akuntabilitas Pengelolaan Dana Desa pada Kantor Desa Se-Kecamatan Tirtajaya Kabupaten Karawang Shintarani Intan Sundari; Devi Astriani; Fista Apriani Sujaya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.1378

Abstract

This research examines the influence of Transparency, Competence and Community Participation on the level of Accountability in Village Fund Management. Village funds are a vital resource for development at the local level and play a key role in improving the welfare of rural communities. The data used in this research is primary data based on questionnaires distributed to village officials and some to the community to obtain 150 respondents. This research uses quantitative methods, survey approaches, interviews and field observations. The sampling technique was determined using the saturated census method. This research method uses a sample of village officials who work at the Village Head Offices in Tirtajaya District, namely officials who have at least elementary/middle school education and have worked for more than one year. The choice of hypothesis testing in this study used multiple linear regression using the SMART PLS program. The main objective of this research is to explain whether the level of transparency in village fund management, competence and active community participation has a positive impact on accountability in village fund management. This research aims to provide better policy guidance in improving the efficiency and integrity of village fund management. The results of this research show that transparency, competence and community participation have a positive and significant effect on accountability in village fund management.
Pengaruh Keberhasilan Penerapan Sistem PPUBU (Pekerja Penerima Upah Badan Usaha) dan PBPU (Pekerja Bukan Penerima Upah) dalam Sistem Layanan Kesehatan Satrio Novianto; Renny Oktafia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): 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.v5i5.1442

Abstract

This research aims to examine the influence of the successful implementation of the PPUBU (Business Entity Wage Receiving Workers) and PBPU (Non-Wage Receiving Workers) systems in the health service system. This system is relevant because of the important role of workers in supporting the continuity of health services in various business entities. The research method used is a descriptive and quantitative analysis approach involving participants from workers who are members of the PPUBU and PBPU systems in the health sector. Data collection was carried out through surveys, interviews and observations, with a focus on critical aspects of successful system implementation.The research results show that the successful implementation of the PPUBU and PBPU systems has a positive effect on the quality of health services. Factors such as workers' understanding of the system, management support, and integration of the system with daily work processes play a crucial role in increasing the effectiveness of health services
Studi Literatur Strategi Pemasaran Produk Pembiayaan KPR Syariah Putri Rahma; Siregar, Pani Akhiruddin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): 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.v5i5.1454

Abstract

In facing competition, Islamic banking must have effective techniques to enter the market. Home Ownership Credit (KPR) is a financing product or loan given to home buyers with a financing scheme with a certain percentage. This research is a literature study on marketing strategies for KPR products at Sharia Banks, so that you can find out what discussions have been researched and what discussions need to be researched. This research uses qualitative research. There are 20 selected articles published from 2019-2022 which are grouped into two main topics, namely topics about implementative marketing strategies and marketing strategy models. The topic of implementative marketing strategies is the fewest articles with a percentage of 30%. And the topic of marketing strategy models is the most numerous article with a percentage of 70%. With the topic of Implementative marketing strategies, it can be concluded that several marketing strategies are widely implemented in Sharia Banks, namely: By providing affordable installments, collaborating with developers, advertising in various media, selling products with direct selling, and open tables at events. Meanwhile, with the topic of marketing strategy models, there are several models that can be used in Sharia Banks, namely 1. using the 4p or 7p marketing mix model, 2. Using SWOT analysis, and 3. Door to door strategy model. Discussions that need to be researched include marketing strategies in the digital era and the opportunities and obstacles experienced by Sharia Banks and Conventional Banks in implementing marketing strategies
Pendayagunaan Dana Zakat, Infaq, dan Shodaqoh Melalui Pemberdayaan Program Layanan Kesehatan: Studi Kasus Padalembaga Kesehatan Madani Rumah Sehat Madani Yayasan Dompet Sosial Madani Provinsi Bali Mashuri, Eko; Wiyono, Agung; Agus Eko Sujianto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): 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.v5i5.1515

Abstract

The use of Zakat, Infaq and Sadaqah (ZIS) through the Madani Social Wallet in Bali plays a strategic role in alleviating poverty, increasing social welfare and building a sustainable community economy. Dompet Social Madani as the manager of ZIS is responsible for collecting, distributing and using funds effectively in accordance with Islamic Sharia principles. The use of ZIS in Bali is carried out through several stages starting from identifying mustahik, raising funds to implementing empowerment programs. Mustahik is the main beneficiary of ZIS distribution which includes the poor, orphans, widows and other vulnerable groups. Transparency and accountability in reporting fund management are important foundations for building public and donor trust in Dompet Social Madani. Madani Bali Social Wallet also integrates an economic empowerment approach in ZIS management. The empowerment program includes vocational training, support and business capital so that mustahik can be economically independent. In addition, part of the ZIS funds are allocated for the development of social infrastructure, such as building schools and other public facilities, to provide long-term benefits for the community. Collaboration with government, the private sector and other organizations is essential to increase the positive impact of ZIS. This collaboration optimizes resources and increases the efficiency of program implementation. Public education about the importance of zakat, infaq and shadaqah is also an integral part of the Bali Madani Social Wallet's efforts to expand reach and increase community awareness and involvement. One form of utilizing ZIS through the Madani Social Wallet in Bali is by establishing a Madani Health Institution which is realized in the form of a Madani Healthy House by not only collecting funds for aid, but also providing health services directly to the poor and underprivileged.
Desentralisasi Fiskal terhadap Pembangunan Ekonomi di Daerah Ahmad Heri Widodo; Agus Eko Sujianto; Subhan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): 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.v5i5.1518

Abstract

This study aims to investigate the impact of fiscal decentralization on economic development at the regional level in Indonesia. Employing a quantitative approach, secondary data and surveys were utilized to examine the relationships among fiscal decentralization variables, financial transfers, fiscal autonomy, and economic growth. The analysis results reveal that fiscal decentralization has a significant positive impact on regional economic growth, with levels of fiscal autonomy and the magnitude of financial transfers from the central government emerging as critical factors in enhancing local economic performance.
Desentralisasi Fiskal terhadap Pembangunan Ekonomi di Daerah Subhan; Ahmad Heri Widodo; Agus Eko Sujianto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): 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.v5i5.1519

Abstract

This study aims to investigate the impact of fiscal decentralization on economic development at the regional level in Indonesia. Employing a quantitative approach, secondary data and surveys were utilized to examine the relationships among fiscal decentralization variables, financial transfers, fiscal autonomy, and economic growth. The analysis results reveal that fiscal decentralization has a significant positive impact on regional economic growth, with levels of fiscal autonomy and the magnitude of financial transfers from the central government emerging as critical factors in enhancing local economic performance.
Implementasi Program Puspaga (Pusat Pembelajaran Keluarga) Sebagai Upaya Preventif terhadap Permasalahan Perempuan dan Anak di Kota Surabaya Achmad Fais Mauludin; Muhammad Agus Muljanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): 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.v5i5.1520

Abstract

The purpose of this research is to find out how the PUSPAGA (Family Learning Center) Program is implemented as a preventive measure for women and children's problems in the city of Surabaya. This research is based on the problem of still finding many cases related to violence against women and children in the city of Surabaya as well as the lack of awareness and enthusiasm of the community who are willing to use PUSPAGA services. The theoretical basis used in this research uses the policy implementation theory according to Van Meter Van Horn which created 6 dimensions in viewing the success of a policy implementation program. This research uses qualitative techniques in the form of a case study. Some data collection is through observation, indirect interviews, documentation and archival records. The results of this research show that the implementation of the PUSPAGA (Family Learning Center) Program as an effort to prevent women's and children's problems in the city of Surabaya is running quite well. There are many various problem cases handled by Puspaga Kota Surabaya. Obstacles in the PUSPAGA Program in Surabaya City are the lack of community participation and openness in using PUSPAGA services, several Information and Education Communication (KIE) media which are intensively carried out by PUSPAGA Surabaya City, for example in the form of posters, posting video reels, brochures and banners to provide in-depth understanding. related to the function of establishing the Puspaga Program and providing information and education regarding the openness of free counseling/consultation services to all the people of Surabaya City.

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