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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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Peran Kualitas Pelayanan dalam Meningkatkan Kepuasan Konsumen Pemesanan Tiket Kereta Api Jarak Jauh Melalui Aplikasi KAI Access Ditinjau dari Perspektif Marketing Syariah Nia Rifanda Putri; Teguh Lesmana; Eva Yuniarti Utami; Musran Munizu; Nersiwad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (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.v5i6.4181

Abstract

In this modern era, all fields are required to move faster so time is considered very valuable in this era. Therefore, transportation as a tool used by humans to travel is also required to be improved so that it can be faster and more comfortable. The aim of this research is to find out whether service quality influences consumer satisfaction when ordering long-distance train tickets via the KAI Access application. The data collection method used in this research is by using a questionnaire, which is a data collection technique that is carried out by giving a set of questions or statements to consumers or users of the KAI Access application. The data analysis method in this research uses descriptive analysis, simple regression and coefficient of determination. The research results show that service quality has a significant effect on consumer satisfaction when ordering train tickets via the KAI Access application. This is known from the results of the t test where the t count of 9.017 is greater than the t table value of 1.984 or can be seen from the significant value of 0.000 < 0.05.
The Implementation of Financial Accounting Standards (PSAK) 109, Accounting Information Systems, Internal Control, and Employee Performance on the Quality of Financial Reports at BAZNAS Garut District Burhanudin, Ujang; Farid, Diana; Solihin, Dadin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 8 (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.v5i8.4248

Abstract

The problem raised in this study, namely regarding the quality of the financial statements of BAZNAS Garut Regency during the five years from 2016 to 2021, related to it has not fully met qualitative characteristics, such as relevant, reliable, easy to understand, and compatible. This causes the assessment of reasonable opinions without exception to be inconsistent, which the authors consider to be an important new aspect of research. This study aims to analyze the influence of the implementation of PSAK 109 (X1), accounting information system (X2), internal control (X3), and employee performance (X4) on the quality of financial statements (Y), both partially and simultaneously. The results of the study show that each variable, namely the implementation of PSAK 109 (X1), accounting information system (X2), internal control (X3), and employee performance (X4), partially has a significant influence on the quality of financial statements. Simultaneously, these variables had a significant influence of 93.9% on the quality of financial statements, while 6.1% were influenced by other factors that were not tested in this study.
Dampak Kinerja Keuangan terhadap Profitabilitas Bank Syariah: Analisis Perbandingan Bank Syariah di Indonesia dan Malaysia Haris, Dea Aryandhana Mulyana; Huda Nasution, Akmal; Nurul Fakhri, Ulumuddin; Bustami, Abiyajid
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (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.v5i7.4261

Abstract

This study aims to analyze the effect of financial performance on the profitability of Islamic banks in Indonesia and Malaysia, using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach and secondary data from 2019 to 2023. The results showed that asset quality, as measured by Net Performing Financing, proved to have a significant influence on profitability, with the coefficient value of Islamic banks in Indonesia is 0.035 and in Malaysia is 0.05. While other factors do not have a significant effect on profitability. This shows that both Islamic banks are very vulnerable to the quality of financing. Based on the results of this study, it is expected that stakeholders, such as Islamic banks and the government, can take concrete steps to improve the profitability and stability of the Islamic banking sector. Islamic banks are expected to focus on improving asset quality, managing credit risk better, and developing effective risk management strategies. Keywords: Financial performance; Profitability; Islamic banks; Indonesia; Malaysia; PLS-SEM.
Pengaruh Kredit Perbankan Terhadap Pertumbuhan Ekonomi dan Hubungannya dengan Kesejahteraan Masyarakat Paulus Laratmase; Rosdiana; Adi Artino; Sulaiman Efendi Siregar; Try Wahyu Utami
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (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.v5i7.4273

Abstract

The aim of this research is to analyze the influence of banking credit on economic growth and social welfare. The type of research used in this research is secondary data, namely data in the form of numbers or quantitative time series. The findings in this research are that working capital credit has a positive and significant effect on economic growth, investment credit has a positive and significant effect on economic growth, and credit consumption has a positive and significant effect on economic growth. This means that if working capital credit, investment credit and consumption credit increase, economic growth will also increase. And if economic growth increases, it will encourage social prosperity.
Cash on Delivery Sebagai Variabel Moderasi Pengaruh Pendorong Belanja Online Terhadap Niat Perilaku Konsumen Ni Luh Ketut Ayu Sudha Sucandrawati; Dian Nurdiansyah; Eva Fathussyaadah; Iwan Adinugroho; Musran Munizu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (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.v5i7.4274

Abstract

Penelitian ini bertujuan untuk menguji berbagai faktor pendorong belanja online dan pengaruhnya terhadap niat perilaku konsumen pengguna e-commerce Shopee di Indonesia dan juga menguji Cash on Delivery (COD) sebagai moderasi untuk meningkatkan niat perilaku konsumen berbelanja online. Pendorong belanja online diidentifikasi berdasarkan model UTAUT2. Hasil penelitian menunjukkan bahwa pendorong belanja online memiliki pengaruh positif dan signifikan terhadap cash on delivery (COD) dan niat perilaku konsumen. Sedangkan cash on delivery (COD) memiliki pengaruh positif namun tidak signifikan terhadap niat perilaku konsumen, serta tidak ada pengaruh moderasi yang berarti antara hubungan pendorong belanja online terhadap niat perilaku konsumen melalui cash on delivery (COD) sebagai variabel moderasi.
Pengaruh Digital Marketing Terhadap Peningkatan Pendapatan Usaha Mikro Kecil dan Menengah (UMKM) dalam Perspektif Bisnis Islam: Studi pada UMKM Kecamatan Medan Tembung Taher, Muhammad Iqbaal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (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.v5i7.4281

Abstract

ABSTRACT In running a business, sellers must be able to think about how their sales can increase every day. Likewise with Micro, Small and Medium Enterprises (MSMEs) which must continue to increase their sales amidst the intense competition. Increased sales can be caused by several factors, one of which is how the seller markets his product. Digital marketing is a method that is widely used today, with various easy access offered to sellers and buyers. In this case, of course, Islamic business views on digital marketing and increasing MSME income can also be reviewed. The aim of this research is to determine the effect of digital marketing on increasing MSME income in Medan Tembung District. This study uses a quantitative approach. Data collection techniques were carried out using observation, questionnaires and interviews. The number of samples in this research was 44 respondents from MSMEs in Medan Tembung Subdistrict. Data was collected through questionnaires. The data analysis techniques used are simple linear regression, partial test (t-test), coefficient of determination test. The research results show that digital marketing has a positive and significant effect on the income of MSMEs in Medan Tembung Subdistrict. Keywords: Digital Marketing, Micro, Small and Medium Enterprises (MSMEs), Islamic Business
Analisis Implementasi Pembiayaan Kredit Usaha Rakyat (KUR) Syariah dalam Meningkatkan Pendapatan UMKM: Studi Kasus pada Pegadaian Cabang Mandala Mulyani, Seri; Jannah, Nurul; Syafina, Laylan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (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.v5i7.4290

Abstract

This study employs a descriptive qualitative methodology, using field research. The objective of this research is to determine the impact of Pegadaian's involvement in enhancing the revenue of micro, small, and medium companies (UMKM) through the utilization of Shariah People's Enterprise Credit (KUR). This study employs interviews, observations, and documentation as methods for data collection. This research demonstrates the significant role of Kur Shariah Pegadaian in facilitating small and medium-sized companies (UMKM) in acquiring the necessary finance for company expansion and development. In addition, the Kur shariah pegadaian significantly boosts the profits or revenue of small and medium-sized firms (UMKM) to a far greater extent than previously.
Dynamics of Tourists' Experiences Visiting Sustainable Tourism Destinations: Issues and Cases in Sikka Regency, East Nusa Tenggara Province Paulus Nong Wisang
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (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.v5i7.4302

Abstract

Tourist experiences are highly dynamic when visiting sustainable tourism destinations. Their significance is the essence of the tourism product itself. Memorable experiences will make tourists feel happy, subsequently shaping the destination's image and encouraging repeat visits. This research aims to analyse tourist descriptors and typologies, tourist experiences, and formulate directions for the future development of sustainable tourism destination products. This study employs qualitative methods with a multiple case study approach and also hermeneutics in the study of tourism destinations. Findings from this research indicate that tourists visiting consist of various characteristics and are predominantly millennials and zillennials. Their visits are mostly of the allocentric and mid-centric typology, with the latter being very minimal. The experiences gained are very memorable and make tourists feel happy. However, product services need to be improved by managers as tourists still engage in minimal activity attractions. The formulation of supplementary tourism becomes a direction in the future development of spatially-based sustainable tourism destinations. The implications of this research are the development of tourism products that provide memorable experiences and happiness for allocentric tourists to shape the destination's image and also improve the local community's economy.
Transparansi sebagai Moderasi Pengaruh Tingkat Pendapatan dan Literasi Zakat terhadap Minat Bayar Zakat Melalui Baznas Dewi Maharani; Imron Natsir; Achmad Napis Qurtubi; Asri Ady Bakri; Dodi Irawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (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.v5i7.4303

Abstract

Tercatat didalam kitab suci Al Qur’an. Zakat adalah salah satu bentuk kewajiban amal yang wajib dibayar oleh seluruh umat Islam. Zakat diartikan sebagai upaya pemurnian, karena membayar zakat dianggap sebagai bentuk ibadah dan menurutnya menjadikan investasi sosial. Penelitian ini bertujuan untuk mengetahui transparansi sebagai moderasi pengaruh tingkat pendapatan dan literasi zakat terhadap minat bayar zakat melalui Baznas. Analisis saat ini menggunakan pendekatan kuantitatif. Populasi dari penelitian ini adalah muzakki yang pernah membayar zakat. Hasil penelitian ini telah menemukan bahwa tingkat pendapatan dan literasi zakat berpengaruh terhadap minat bayar zakat melalui Baznas. Transparansi sebagai variabel moderasi mampu memoderasi tingkat pendapatan dan literasi zakat terhadap minat bayar zakat melalui Baznas dalam penelitian ini.
Analisis Strategi Promosi Media Sosial Terhadap Keputusan Mahasiswa dalam Memilih Institusi Pendidikan Tinggi Eka Hendrayani; Rudy Irwansyah; Hadiansyah Ma'sum; Olivia Tahalele; Zunan Setiawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (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.v5i7.4304

Abstract

Social media promotion strategies have become an important foundation for young people in making college decisions. Education is the main pillar in community development. However, with increasing competition between universities, both state and private, new challenges have emerged. Universities must continue to improve their quality in order to remain relevant and competitive in the increasingly tight education market. This study aims to determine the effect of social media promotion strategy analysis on students' decisions in choosing higher education institutions. The research method used in this study is a quantitative descriptive method. The study was conducted at 5 universities in Indonesia with a student population of 100 respondents. The results of this study found that social media promotion strategies on students' decisions in choosing higher education institutions.

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