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Dhita Febyanti
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INDONESIA
Journal of Ekonomics, Finance, and Management Studies
Published by Universitas Muhammadiyah Gresik
ISSN : 26202956     EISSN : 27470490     DOI : https://doi.org/10.47467/elmal.v5i12
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 1,633 Documents
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Pengembangan Sistem Pakar Konsultasi Keuangan Pribadi Metode 50-30-20 Menggunakan Forward Chaining Muhammad Abdullah; Suprianto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7207

Abstract

Effective personal financial planning is becoming increasingly important in the modern era. This study aims to develop a personal financial planning application based on an expert system that can assist individuals in making better financial decisions. The research methodology includes the 50-30-20 financial planning method, the forward chaining method for the inference engine, and the Expert System Development Life Cycle method for system development. System testing is conducted using the black box testing method. The research results show that the developed expert system successfully provides fund allocation recommendations that align with users' risk profiles and financial goals. This system not only accurately calculates the appropriate risk scale but also ensures that fund allocation adheres to sound financial principles. Black box testing also confirms that the system functions well and delivers accurate results. Thus, this expert system can serve as an effective tool for individuals in financial planning and achieving long-term financial goals. It has significant potential to enhance financial literacy in society and encourage prudent saving and investment behaviors. Keywords: Expert System, Forward Chaining, Black Box Testing, 50-30-20 Method, Financial Planning
Pengaruh Penyajian Laporan Keuangan, Aksebilitas Laporan Keuagan dan Pengendalian Internal Terhadap Akuntabilitas Pengelolaan Keuagan Daerah Pemerintah Kabupaten Pulau Morotai Fauzan Ari Yunus; Abdul Hadi; Sirat Hartaty Hadady
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7209

Abstract

The Effect of Presentation of Financial Statements, Accountability of Financial Statements and Internal Control on the Accountability of Regional Financial Management of the Morotai Island Regency Government. Head of the supervisory commission Abdul Hadi Sirat and members of the Supervisory Commission Hartaty Hadady. This study aims to analyze the effect of the presentation of financial statements, the accessibility of financial statements and internal control on the accountability of regional financial management. This research is quantitative research. The population in this study were all parts involved in regional financial management in the OPD of Morotai Island Regency.... The sampling technique used popusive sampling. The data collection technique used in this study used a survey method. The data used is primary data in the form of questionnaires distributed to respondents. Based on the results of the study, it shows that partially the presentation of financial reports has no effect on the accountability of regional financial management, the accessibility of financial reports has a significant positive effect on the accountability of regional financial management and internal control has a significant positive effect on the accountability of regional financial management.
Pengaruh Kepemimpinan Terhadap Motivasi Kerja Karyawan Airport Operation Landside & Terminal (AOLT) di PT Angkasa Pura I Bandar Udara Sultan Aji Muhammad Sulaiman Sepinggan Balikpapan Melisa Yolanda Evrillya. S; Yunus Purnama
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7210

Abstract

Foreign Object Debris or FOD is a foreign object that has the potential to pose a hazard to Effective leadership plays a pivotal role in motivating employees to perform optimally within an organization. Leaders who are creative and innovative can significantly influence their subordinates to achieve organizational objectives, as well as provide motivation that encourages active participation. Work motivation refers to the internal drive that influences an individual's effort, persistence, and determination in completing tasks. The purpose of this study is to examine the impact of leadership on the work motivation of employees at the Airport Operation Landside & Terminal (AOLT) division of PT Angkasa Pura I Sultan Aji Muhammad Sulaiman Sepinggan Airport in Balikpapan. This research was conducted from August 1 to December 19, 2024, using a quantitative approach. The population of this study consisted of 30 employees from AOLT, selected through non-probability sampling. The data collected were analyzed using SPSS software, applying simple linear regression analysis, T-tests, and coefficient of determination tests. The findings indicate that leadership has a significant effect on employee work motivation. This is supported by a significance value of 0.000, which is less than 0.05, suggesting a positive impact. The magnitude of leadership's influence on work motivation is further demonstrated by a coefficient of determination (R²) value of 58.3%, which reflects the extent to which leadership contributes to enhancing employee work motivation.
Pengaruh Konten Media Sosial Instagram @musclefirstofficial dan Brand Ambassador terhadap Minat Beli Suplemen pada Followers Muscle First, Fitrah Nur Islamiah; Edy Prihantoro
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7219

Abstract

This research aims to analyze the influence of Instagram social media content @musclefirstofficial and brand ambassadors on interest in buying supplements among Muscle First followers. Social media, especially Instagram, has become an effective marketing tool in building brand awareness and improving consumer purchasing decisions. This study uses a quantitative approach with an explanatory method, where data is collected through questionnaires to respondents who are followers of the @musclefirstofficial account. The analysis results show that social media content has a significant influence on consumer buying interest, especially through visual elements such as photos, videos and interesting captions. Apart from that, brand ambassadors also play an important role in increasing purchasing interest, with visibility and credibility factors as the main elements that influence purchasing decisions. Simultaneously, social media content and brand ambassadors contributed 65.7% to interest in purchasing Muscle First supplements. These findings indicate that a social media-based marketing strategy combined with selecting the right brand ambassador can increase product attractiveness and encourage consumer purchasing decisions.
Tinjauan Maqashid Syariah Terhadap Penyedia Layanan Jasa Lampu dan Sound System di Propertys Yogyakarta Imam Kamaluddin; Noval Hasbi; Muhammad Rafli Zidan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): 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.v6i6.7221

Abstract

                As a Muslim entrepreneur, it is obligatory to avoid anything that may cause harm or lead to misconduct in human life. Propertys Yogyakarta, as a provider of rental services for lighting and sound systems, sometimes assists and accepts in the organization of events that may lead to misconduct or damage when the events are held. The purpose of this research is to examine how the principles of Maqashid Shariah relate to the events served by Propertys, whether they comply with Maqashid Shariah or not. This study employs a descriptive qualitative research method, using both primary and secondary data sources. It involves field research with observation, interviews, and documentation as data collection techniques. The findings reveal that Propertys Yogyakarta utilizes the ijarah contract in accepting and servicing various types of events while rejecting events or productions that pose a risk of material loss and endanger the safety of the Propertys Yogyakarta team. However, in its service, Propertys does not provide specific provisions regarding the preservation and maintenance of Islamic values ​​in events. The conclusion of this research indicates that there are still some events or activities accepted and served by Propertys Yogyakarta that may cause harmful consequences (mafsadat) which should be rejected in order to preserve and maintain the Maqashid Shariah in terms of preserving religion and wealth.
Analisis Kualitas Pelayanan dalam Meningkatkan Kepuasan Nasabah Penerima Manfaat Bank Wakaf Mikro (BWM) Mawaridussalam Riyan Pradesyah; Munawaroh; M. Radian Syah; Asmawarna Sinaga; Safira Khoirunnisa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7237

Abstract

This study aims to analyze the partial and simultaneous influence of the variables Reliability (X1), Tangibles (X2), Responsiveness (X3), and Assurance (X4) on customer satisfaction (Y) beneficiaries of the mawaridussalam micro waqf bank. The respondents used in the study were 100 people, and the research approach used in completing the research was a quantitative approach. The analysis tool used in data processing is SmartPLS, the findings obtained in this study, that there is a partial influence of the Reliability (X1) and Responsiveness (X3) variables on customer satisfaction (Y) of the beneficiaries of the mawaridussalam micro waqf bank. Meanwhile, the variables Tangibles (X2) and Assurance (X4) have no influence on the customer satisfaction variable (Y). Simultaneously, there is a strong influence of the variables Reliability (X1), Tangibles (X2), Responsiveness (X3), and Assurance (X4) on the variables of Customer Satisfaction (Y) of the beneficiaries of the mawaridussalam micro waqf bank.
Determining the Optimal Capital Structure of PT. Krakatau Steel Tbk (Persero) Muhammad Rafif Adiguna; Oktofa Yudha Sudrajad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7241

Abstract

Indonesia's steel industry is expected to keep growing, with the country's steel consumption projected to increase from 17.4 million tons in 2023 to 18.3 million tons in 2024, while production is expected to increase from 15.2 million tons to 15.9 million tons. However, PT Krakatau Steel Tbk, or KRAS, is one of the leading players in this sector, with big challenges ahead that it is facing and thus affecting its performance. One of the critical contributory factors is the increased volumes of steel imports, which heighten competition and have led to a significant decline in revenue. This is because the cheaper steel imports, especially those from countries like China, are contributing to putting pressure on prices and further complicating the market status quo for KRAS. This research study seeks to analyze and determine the optimal capital structure for KRAS with a focus on enhancing its financial stability and overall value. In this research author analyse and explore for the solution with external analysis using PESTLE Analysis. Based on secondary data from annual reports and relevant academic literature, the study evaluates the financial performance of KRAS from 2021 to 2023. The results showed a significant revenue decline of 35.68% from 2022 to 2023, mainly influenced by increased import competition and unstable global steel prices. Beyond this, high leverage remains a concern for KRAS, which has liabilities, even though it declined from $3.16 billion in 2021, having reached $2.35 billion as of 2023.
Evaluasi Kinerja Keuangan dan Oprasional Usaha di Pondok Pesantren M Izzu Maulal Akmal; M. Masrukhan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7244

Abstract

operational sustainability. This study aims to evaluate the financial and operational performance of business enterprises at Imam Syafi'i Islamic Boarding School, Brebes, Central Java. A qualitative research method with a case study approach was employed. Data collection techniques included observations, in-depth interviews, and document analysis of financial and operational records. The findings indicate that the boarding school has managed various Sharia-based businesses, such as agriculture, livestock, and small-scale enterprises. Despite increased revenue from these businesses, challenges remain, including a lack of transparency in financial recording and limited human resources in business management. This study recommends improving Sharia-based financial recording systems, strengthening the capacity of business managers, and diversifying enterprises to enhance the economic sustainability of the boarding school. Keywords: Performance Evaluation, Islamic Boarding School Finance, Sharia Business, Economic Management, Case Study
Pengaruh E-Commerce, Digital Marketing, Pengetahuan Kewirausahaan Terhadap Minat Berwirausaha Generasi Z di Jakarta Ety Nurhayaty; Fanji Farman; Dwi Wahyono
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7260

Abstract

The aim of this research was to determine the influence of e-commerce, digital marketing, entrepreneurial knowledge on generation Z's entrepreneurial interest. This research uses a quantitative approach. The population in this study is generation Z who are currently studying at high school and university levels in Jakarta. The sample used in this research was 93 respondents. Based on the partial results of the research, it is stated that there is a positive and significant influence of e-commerce on interest in entrepreneurship, digital marketing has a positive and significant influence on interest in entrepreneurship, and entrepreneurial knowledge has a positive and significant influence on interest in entrepreneurship. Simultaneous research results show that e-commerce, digital marketing, entrepreneurial knowledge have a positive and significant effect on generation Z's entrepreneurial interest in Jakarta Province. The coefficient of determination value is 0.576 or 57.6%. The results of these calculations mean that e-commerce, digital marketing, entrepreneurial knowledge influence interest in entrepreneurship by 57.6% while the remaining 42.4% is influenced by other factors not examined in this research.
Analisis Pengaruh Persepsi dan Pendidikan Terhadap Niat Individu Berwakaf Uangan Dengan Kesadaran Relius Sebagai Variabel Intervening Amrizal; Muhammad Syahrum Alfan; Yayat Sujatna; Yeni Oktaviani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): 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.v6i6.7266

Abstract

This research aims to analyze the influence of perception and education on individuals' intentions to donate cash, with religious awareness as an intervening variable. This research design uses exploratory quantitative with a sample size of 100. Collective data uses a questionnaire with a Linkert scale. This research was conducted in Tangerang City using quantitative methods and Structural Equation Modeling (SEM) analysis via SmartPLS. The research results show that perception has no significant effect on intention to give waqf, while education has a positive and significant effect on intention to give waqf. Religious awareness does not function as a mediator between perception and education on the intention to give waqf. These findings provide important insights for the development of education and outreach programs regarding cash waqf in society.

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