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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 1,772 Documents
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Efektivitas Dana Desa dalam Pembangunan Pertanian Pedesaan: Studi Kasus di Desa Donowarih Kecamatan Karangploso Malang Irene Hanies Salsabella; Sutawi; Bambang Yudi Ariadi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3879

Abstract

Donowarih Village is a village that has extensive agricultural land, so some of the people work in agriculture. With great potential in the agricultural sector, it will influence economic development in rural communities. The government provides funds that are managed by villages to improve village development, but the distribution of village funds for each sector is adjusted to the needs of that sector, including in the agricultural sector. This research aims to: (1) Identify the effectiveness of agricultural development, (2) Analyze the effectiveness of village fund management mechanisms (3) Identify perceptions of farmer groups in agricultural development.  This research was used to obtain descriptive qualitative data. The methods used are observation, interviews, questionnaires and documentation.  The focus of the research is on the mechanism for managing village funds in agricultural development. This research was carried out in Donowarih Village, Karangploso District, Malang Regency. Data analysis was carried out using validity and reliability tests on the questionnaire, then the effectiveness of the results of the questionnaire answers would be calculated using a score index. After analyzing the results of the research, the Donowarih Village Government has effectively implemented several programs to realize agricultural development, including the cultivation of goats and the Farming Road (JUT) construction program using village funds. The village fund management mechanism shows that in the planning process the answer score index is 78.75%, in the implementation process the answer score index is 81.5%, and in the accountability process the answer score index is 79% so that in each process conclusions can be drawn on village fund management has been effective. The farmer group's perception of the use of village funds in the agricultural sector for the development of facilities and infrastructure obtained an answer score index of 68.2% so that the respondent's perception was that they were effective in utilizing village funds in the agricultural sector.
Implementasi Akad Mudharabah, Musyarakah dan Salam Pada Petani Ikan di Provinsi Jambi Amrizal; Khoirul Mu’as; Iwan Setiadi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3895

Abstract

The practice of Sharia Economic transactions is a concept that meets the values ​​of justice, the togetherness of Ukhwatun Hasanah values ​​such as profit sharing contracts in the form of Mudarabah and Musyarakah contracts including buying and selling contracts with the salam contract scheme. The research objective is to analyze the application of the Mudarabah agreement to fish cultivation in Jambi Province. The research object is a catfish farming group, the research design uses qualitative descriptive research with 20 informants from the head of the catfish farming group in Jambi province. The data collection technique is by conducting in-depth interviews, while the research results are analyzed using content analysis. The research results prove that the analysis of the implementation of the first sharia contract, the implementation of the mudarabah contract, proved that there were several capital owners and managers in implementing the terms of the contract that were not in accordance with the terms of the mudarabah contract. Second, Implementation of the musyarakah agreement betweencatfish cultivation partners have been carried out in accordance with the terms of the Musyarakah agreement. If there are profits, they are shared according to the agreement and if there are losses, they are equally borne by the capital owner. Third, the implementation of the greeting contract is in accordance with the pillars of the greeting contract. Implementation of a sale and purchase agreement with greetings can provide benefits to both parties. The buyer can buy fish products with definite quality and price in accordance with the agreement. On the other hand, the farmers greatly benefit from the funder's tone for raising fish and the results can be sold at a price. profitable prices, so that catfish farms can be free from the grip of loan sharks.
Pengaruh Kualitas Jasa terhadap Kepuasan Nasabah di Baitul Mall Tamwil Provinsi Riau Darmansyah; Amrizal; Nurwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3944

Abstract

This study aims to analyze the effect of service quality on customer satisfaction at Baitul Mall Tamwil Berlian Gansal, Batang Gansal District, Indragiri Hulu Regency, Riau Province. This type of research uses a combination research method (mixed methods research). The sampling technique uses a non-probability sampling technique and the sampling method uses Slovin's theory and produces a research sample of 82 respondents who are customers of Baitul Mall Tamwil Berlian Gansal. Data collection techniques used are two methods, namely questionnaires or questionnaires and interviews. The hypothesis of this study is that there is an effect of service quality on customer satisfaction at Baitul Mall Tamwil Berlian Gangsal, Batang Gangsal District, Indragiri Hulu Regency, Riau Province. The results of research at Baitul Mall Tamwil Berlian Gansal which is located in the Batang Gangsal sub-district show that service quality has a significant effect on customer satisfaction and has a positive relationship, that there are differences in customer perceptions of service at BMT. Even though there are satisfied customers, there are still significant complaints and input from customers regarding service, communication, and facilities. BMT Berlian Gansal has been trying to take concrete steps to improve service quality according to customer feedback. With a focus on service standards, employee training, response to feedback, and a persuasive approach  
Analisis Kinerja Badan Amil Zakat Nasional Kabupaten Siak dalam Mengentaskan Kemiskinan Hafzan; Saiful Anwar; Mohamad Torik Langlang Buana
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3955

Abstract

According to BPS data, the poor population in Siak district in 2022 will be 25.71 thousand people or 5.07%. An important factor that can influence the level of poverty is income. A solution from an Islamic perspective to the problem of poverty is optimizing zakat. According to Law Number 23 of 2011 concerning Zakat, it is stated that zakat is to realize community welfare and overcome poverty. One of the institutions formed by the government to manage and distribute zakat, infaq and alms is the National Zakat Amil Agency (BAZNAS). The benchmark for the success of alleviating poverty through optimizing zakat is the performance of BAZNAS. This research analyzes the performance of the Siak Regency National Zakat Amil Agency in its efforts to eradicate poverty. This research has two approaches, namely qualitative and quantitative or mixed method. Data sources used in this research include primary data, secondary data, documents and archives and literature studies. Using interview, observation and questionnaire methods, the performance of BAZNAS Siak Regency can be known through the National Zakat Index 2.0 approach. The components of this index are macro dimensions and micro dimensions. The macro dimension reflects the role of the government and society in contributing to building zakat institutions and the micro dimension describes institutional governance and the impact of zakat. The research results show that BAZNAS Siak Regency in two macro dimensions and micro dimensions obtained good performance scores. The good performance of zakat institutions will influence the results of zakat collection, distribution and utilization programs. The influence of good performance will have a direct impact on mustahik in efforts to improve their welfare which will ultimately help the government in alleviating poverty. In this research, it was found that the impact of good BAZNAS performance for mustahik was materially an increase in income and asset ownership, spiritually in the form of increased worship and awareness of zakat.
Pengaruh Perceived Price Terhadap Willing To Buy Jasa Transportasi Indriver dengan Perceived Quality Sebagai Mediator Muzhofar, Rifky Surya; Widodo, Arry
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3967

Abstract

Transportation is a fundamental necessity for individuals across all social strata. An efficient transportation system ensures that people can easily traverse geographical distances, connect various communities, and facilitate interactions. The proliferation of online transportation companies has led to increased competition in the industry. As a result, these companies are increasingly focused on creating attractive promotions to influence users' decisions when choosing which application to use. To stand out in this crowded market, companies often introduce various promotions and discounts to attract potential customers. InDrive, a ride-hailing platform, distinguishes itself in the competitive market by offering unique and innovative features: price negotiation. The benefits of this feature include serving price-conscious consumers and offering flexibility to find a ride with a tariff that matches their budget. This innovative approach can generate cost savings for users while providing additional income opportunities for drivers. The research population consists of Telkom University students from the 2021-2023 cohorts, with 100 respondents selected through online questionnaires distributed via social media. The sampling method used was simple random sampling, and the data was analyzed using SPSS. The research findings indicate that the perception of price and the perception of quality on the InDrive application have a significant relationship, quality perception affects the willingness to buy InDrive transportation, price perception affects the willingness to buy InDrive transportation, and quality perception serves as a mediator between price perception and the willingness to buy..
Faktor-Faktor yang Mempengaruhi Indeks Pembangunan Manusia Melalui Belanja Daerah Sebagai Variabel Pemediasi Eza Putri Madyansyah; Dwi Suhartini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3972

Abstract

This research uses quantitative techniques to examine and evaluate the impact of the Revenue Sharing Fund and Special Allocation Fund on the Human Development Index using regional expenditure as a mediating variable. The East Nusa Tenggara region's 110 data points from 22 districts and cities between 2019 and 2023 served as the study's sample. Path analysis and multiple linear regression are the study approaches that are employed. The results of this study prove that increasing the amount of Special Allocation Fund (DAK) and Revenue Sharing Fund (DBH) can increase Regional Expenditure, besides that DBH is able to increase the Human Development Index (HDI), DAK and Regional Expenditure have not contributed to changes in HDI, and DAK and DBH have no impact on HDI through Regional Expenditure. This illustrates that the East Nusa Tenggara local government has optimized the allocation of Revenue Sharing Funds through extracting funds by utilizing the potential of natural resources and taxes as a strategy to improve the quality of the Human Development Index through improvements in education, health, and income levels.
Akselerasi Pemahaman Mahasiswa Melalui Pengembangan Media Pembelajaran Holografi Multi Bahasa Mata Kuliah Konsep Pendidikan Seni Iriaji; Abdul Rahman Prasetyo; Purnomo; Alby Aruna; Mohamad Firzon Ainur Roziqin; Eka Putri Surya; Adinda Marcelliantika
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3992

Abstract

This study aims to accelerate student understanding in the course of Art Education Concepts through the development of multilingual holographic learning media. This approach utilizes hologram technology to present learning materials in a visual and interactive manner, supporting more effective concept comprehension. The methodology employed is a development design, beginning with an analysis of student needs followed by the design, implementation, and evaluation of the holographic learning media. The study involved students from various language backgrounds, testing the effectiveness of the media in supporting cross-language understanding. Results show significant improvements in students' comprehension of art education concepts, as evidenced by pretest and posttest assessments. The holographic learning media offers significant potential in art education, providing an immersive learning experience accessible to multilingual students. This research provides new insights into the use of advanced technology for art education.
Pengembangan Game Edukasi Gerabah-Rush sebagai Game Unggulan Industri Gerabah Pagelaran Iriaji; Ike Ratnawati; Abdul Rahman Prasetyo; Alby Aruna; Eka Putri Surya; Adinda Marcelliantika; Ginanjar Atma Wijaya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3995

Abstract

This community service program aims to develop the educational game "Gerabah-Rush" as a flagship game for the pottery industry in Pagelaran Village. The methodology includes educational and promotional needs analysis, game content design, and evaluation of the game's effectiveness in increasing youth interest and engagement with pottery crafts. The game is designed to provide an interactive and immersive experience about the pottery-making process, history, and cultural values embedded within it. Program results show a significant increase in young people's interest and awareness of local pottery crafts. Evaluations through surveys and in-depth interviews confirm that this educational game is effective in promoting pottery crafts and enhancing their educational value. This program makes a significant contribution to modernizing educational and promotional assets for pottery crafts and ensuring the sustainability of the pottery industry in Pagelaran Village.
Penerapan Kursus Berbasis Rapid Rural Appraisal Sebagai Upaya Internasionalisasi Konten Media Pembelajaran Augmented Reality Abdul Rahman Prasetyo; Fikri Aulia; Fuad Indra Kusuma; Mohamad Firzon Ainur Roziqin; Nila Rahmawati; Eka Putri Surya; Alby Aruna; Adinda Marcelliantika
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3997

Abstract

This research aims to develop and implement a Rapid Rural Appraisal (RRA) based course to internationalize augmented reality (AR) based learning media content. The RRA method is used to identify international needs and preferences for AR learning content. The results of RRA become the basis for developing strategies that include content development, platforms, marketing and promotions. Implementation involves developer training, international collaboration, and regular evaluation and monitoring to ensure successful internationalization. The findings suggest that the integration of local cultural and linguistic elements in AR content as well as the use of platforms that support multilingualism can increase user engagement in international markets. Evaluations also show increased understanding and appreciation of AR learning materials in various countries.
Pola Penerapan Implementasi Teknologi Tepat Guna Berbasis Machine Learning dalam Identifikasi Keramik sebagai Infrastruktur Wisata Edukasi di Desa Pagelaran Abdul Rahman Prasetyo; Iriaji; Ike Ratnawati; Alby Aruna; Eka Putri Surya; Adinda Marcelliantika; Nila Rahmawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.3998

Abstract

The application pattern of appropriate technology based on machine learning for ceramic identification as educational tourism infrastructure in Pagelaran Village aims to enhance the effectiveness and efficiency of the ceramic identification process. This program employs machine learning algorithms to classify and recognize various types of ceramics based on visual and textural characteristics. Through this approach, educational tourism in Pagelaran Village can offer an interactive and immersive learning experience for visitors. Initial results indicate increased accuracy in ceramic identification and heightened visitor interest and engagement. This initiative is expected to support the development of technology-based educational tourism in Pagelaran Village.

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