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Dhita Febyanti
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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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Analisis Kepatuhan Penggunaan Dana Desa yang Efektif dan Efisien di Desa Kemuning Muda Kecamatan Bunga Raya Kabupaten Siak Provinsi Riau Rasiyem; Amrizal; Henny Mulyati; Dea Gusneli; Hardi
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.v6i6.7504

Abstract

Compliance with the use of village funds is the key to successful village development. This research aims to analyze the extent to which village fund management in Kemuning Muda has complied with applicable regulations and produced positive impacts for the village. The aim of this research is to determine the level of compliance with effective and efficient use of village funds. Implementing compliance in the use of village funds and the village government's commitment to the quality of the use of village funds is very important. The compliance methodology for effective and efficient use of village funds involves transparent planning, good understanding of regulations, strict supervision, and accountable financial management. The object of the research is the village of Kemuning Muda, Bunga Raya District, Siak Regency, Riau Province. Data is obtained and obtained from informants through interviews with respondents and created in an actual interview transcription scheme, making it easier to manage research data. It is hoped that this research can make a good contribution to the village government as the recipient and manager of village funds because all of this is intended for the Kemuning Muda community. The analytical method used is a qualitative descriptive method, in the form of interview results and respondent transcripts. The results of this research show that an analysis of compliance with the effective and efficient use of village funds in understanding regulations, financial management of village funds and anticipating potential misuse of financial management reports and the commitment of the village government and village consultative bodies have a very positive influence on the quality of village reports.
Pengaruh Audit Tenure, Pergantian Manajemen dan Financial Distress Terhadap Auditor Switching pada Perusahaan Properti dan Real Estat Luh Ketut Berliani Sari Sulaksani; Susanto Salim
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.v6i5.7514

Abstract

This study analyzes the effect of audit tenure, management changes, and financial distress on auditor switching in property & real estate companies listed on the Indonesia Stock Exchange (IDX) for the 2019-2023 period. The research employs a descriptive quantitative method using secondary data from audited annual financial statements. Samples were selected using purposive sampling, and data analysis was conducted with SPSS version 25. The findings reveal that audit tenure and management changes do not significantly affect auditor switching. In contrast, financial distress has a significant impact, indicating that financially distressed companies are more likely to change auditors to enhance financial report credibility.
The Influence of Teacher Performance Reviewed from Pedagogical Competence, Infrastructure, Motivation, and Job Satisfaction Nita Dwi Risnawati; Sudarwati; Istiatin
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.v6i6.7570

Abstract

This study aims to test and analyze pedagogical competence variables, infrastructure, motivation, and job satisfaction on teacher performance at SMP Negeri 1 Grogol Sukoharjo . This research method uses a quantitative descriptive research design. The population is all teachers of SMP Negeri 1 Grogol which amounts to 55 people. The sampling technique in this study is census technique or saturated sample as many as 55 people. Data retrieval using questionnaires and data analysis using SPSS 24.00 for multiple linear regression analysis calculations, F tests, t-tests, and determination coefficients. The results showed that pedagogical competence, infrastructure, motivation, and job satisfaction affect teacher performance. Based on statistical tests obtained adjusted R square (R2) of 86.9% which showed that 13.1% changes in teacher performance variables were explained by variables of pedagogical competence, infrastructure, motivation, and job satisfaction, while the remaining 13.1% were influenced by other variables that were not studied, such as leadership, discipline, and school culture.
Performance of Employees at Wirosari District Office, Grobogan Regency Reviewed From Human Resources Development, Professionalism, Motivation, and Work Discipline Niken Ning Tyas S; Kartika Hendra Titisari; Ida Aryati
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.v6i6.7584

Abstract

The intention of this study is about to determine the simultaneous and partial influence between the variables of human resource development, professionalism, motivation, and work discipline on the performance of employees in the Wirosari District Office. This research method uses an associative research design. The population is all employees working at the Wirosari District Office, totaling 42 people. The sampling technique used in this study is a saturated sampling technique with a sample size of 42 respondents. Data collection using a questionnaire. This study uses the classical assumption analysis method, multiple linear regression test, model feasibility test (F test), hypothesis test (t test), and coefficient of determination using SPSS 25. The results of the study indicate that there is a significant influence between the variables of human resource development, professionalism, motivation, and work discipline both simultaneously and partially on employee performance. The influence of human resource development, professionalism, motivation, and work discipline simultaneously on employee performance in the Wirosari District Office is 88.3%, while 11.7% is influenced by other variables that are not examined. Keywords: Human Resource Development, Professionalism, Motivation, Work Discipline, and Employee Performance
Strategi Lazada dalam Meningkatkan Retensi Pelanggan Melalui Program Loyalitas Anggit Dyah Kusumastuti; Bima Rizki Saputra; Clarisa Elen Setiawati
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.v6i6.7600

Abstract

The tight competition in the e-commerce industry requires platforms like Lazada to implement effective strategies to increase customer retention. One of the main strategies used is a loyalty program, which includes a customer tier system, reward points, cashback, gamification, and premium membership. In addition, the role of Electronic Word of Mouth (E-WoM) also contributes to building customer trust through reviews, referral programs, and social media promotions. Customer satisfaction factors, such as service quality, delivery speed, ease of using the loyalty program, and transaction security, are important elements in the success of this strategy. This study aims to analyze the effectiveness of Lazada's loyalty program in increasing customer retention. The results of the study show that the combination of loyalty strategies and customer satisfaction significantly influences customers' decisions to continue using the Lazada platform.
Peran Lembaga Keuangan Syariah dalam Mendukung Kemandirian Ekonomi Masyarakat Desa: Studi Kasus Desa Sila Rato Kecematan Bolo Kabupaten Bima Sahrul; Umar Sagaf; Ibrahim
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.v6i5.7611

Abstract

Rural communities have a desire to live a decent life, so they make efforts to advance the businesses they run to achieve these goals. Where in the process of advancing the business is not always smooth. It is not uncommon for people to need an injection of funds to finance their business. Islamic financial institutions are present in rural communities, especially in Sila Rato Village to help finance business activities run by the community. Therefore, the purpose of this research is to find out the role of Islamic financial institutions in supporting the economic independence of the community, especially in Sila Rato village. The type of research is qualitative research. Then the data collection techniques used are observation, interview and documentation. The research location is Rato Sila Village, Bima Regency, West Nusa Tenggara. Data analysis techniques use data reduction, data presentation and conclusion drawing. Based on the results of the study, Islamic financial institutions have played a significant role in encouraging the economic independence of the Sila Rato Village community by providing financial resources that can be accessed easily and in accordance with sharia. The existence of these institutions not only improves economic welfare, but also strengthens social ties and solidarity among community members through financing based on the principles of mutual cooperation and risk sharing. Thus, Islamic financial institutions have a positive impact on the community.
Dampak Zakat Produktif dalam Pengembangan UMKM Masyarakat Kota Bima: Studi Kasus BAZNAS Kota Bima Wulan Rekah Ardillah; Muh. Yunan Putra; Muhammad Rasyad Al Fajar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 7 (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.v6i7.7625

Abstract

This study aims to determine the impact of productive zakat on the development of MSMEs in the Bima City Community. The MSME actors referred to in this study are members of independent business groups in the National Zakat Agency (BAZNAS) of Bima City. This study is a field research using a qualitative approach with a case study strategy. Data collection techniques use observation techniques, interviews and direct documentation to the objects concerned. The data validity technique uses triangulation. The results of this study indicate that the productive zakat program provided by the National Zakat Agency (BAZNAS) of Bima City empowers mustahik by providing business capital, training skills, and providing assistance. So that mustahik (MSME actors) achieve financial independence and improve their standard of living in a sustainable manner. The positive impact of productive zakat is very broad, mustahik who were previously trapped in poverty, slowly rose with their growing businesses. Their income increased, new jobs were created, and the family's standard of living was raised. Then the productive zakat of BAZNAS Bima City has a great impact on MSMEs in the Bima City community, including opening up business opportunities for MSME actors, reactivating MSMEs whose businesses previously experienced a decline in Bima City and increasing the creativity of MSME actors in Bima City.
Performance of SMK Dian Kirana 1 Sragen Teachers Reviewed from Commitment, Integrity, Supervision and Work Experience Sugito; Istiatin; Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 7 (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.v6i7.7635

Abstract

This research aims to determine the influence simultaneously (simultaneously) and partially of the variables of commitment, integrity, supervision and work experience on the performance of teachers at SMK Dian Kirana 1 Sragen. This research method uses a quantitative research design. The population in this study were all teachers who worked at Vocational School Dian Kirana 1 Sragen, totaling 40 people. The sampling technique used in this research was a census sampling technique with a sample size of 40 respondents. Data collection using questionnaires. The data analysis techniques used for statistical analysis are multiple linear regression test, F test, t test, and coefficient of determination. The research results show that commitment, integrity, supervision and work experience simultaneously and significantly influence the performance of teachers at Dian Kirana 1 Sragen Vocational School. Suggestions from this research, Dian Kirana 1 Vocational School Sragen continues to improve existing commitment, integrity, supervision and work experience, so that teacher performance will increase and be better than before.
Performance of Tawangsari Health Center, Sukoharjo Regency Reviewed from Motivation, Workload, Environment and Occupational Safety and Health (K3) Nova Andriyansyah; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 7 (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.v6i7.7636

Abstract

This study aims to analyze the influence of work motivation, workload, work environment, and occupational safety and health (K3) on the performance of employees of the Tawangsari Health Center, Sukoharjo Regency, both simultaneously and partially. This research method uses a quantitative approach with a descriptive research design. The population of the study was all employees working at the Tawangsari Health Center, Sukoharjo Regency, with a sampling technique using the census method, so that the number of research samples was 89 employees. Data collection was carried out through questionnaires. Data analysis techniques used include multiple linear regression tests, F tests, t tests, and coefficients of determination. The results of the study showed that partially and simultaneously, the variables of work motivation, workload, work environment, and occupational safety and health (K3) had a significant effect on the performance of employees of the Tawangsari Health Center, Sukoharjo Regency. Therefore, the management of the Health Center is advised to increase employee work motivation through awards and training, adjust the workload to be more proportional, create a comfortable and conducive work environment, and strengthen the implementation of occupational safety and health programs in order to improve employee performance optimally.
Strategi Pemasaran Ikan Bakar Lesehan Ina Badu Ditinjau Dari Etika Bisnis Islam: Studi Kasus Lesehan Ina Badu Desa Nanga Wera Kecamatan Wera Kabupaten Bima Inul Daratista; Ihwan P. Syamsudin; Muhammad Zia Ulhaq
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.v6i5.7637

Abstract

Based on the results of current observations made by researchers at Lesehan Ina Badu mantau beach Nanga Wera Village that the conditions of the past the number of customers who came were more than 50 people who came every day but the current condition that the number of customers who came was less than 20 people this is due to the large number of marketing and irregular besides that which is more important is caused by the cleanliness of the marketing place that is not well maintained, the customer's seat is less neat so that it does not provide comfort for customers, the price of fish is getting more expensive which is usually 45 / kg but the current condition the price has reached 50 / kg so this causes the trend of visitors coming to decrease every day that comes. So this study aims to determine the marketing strategy of grilled fish Lesehan Ina Badu in terms of Islamic business ethics (case study of Lesehan Ina Badu Nanga Wera Village, Wera District, Bima Regency). This research will be conducted in Nanga Wera Village, Wera District, Bima Regency, West Nusa Tenggara. This research uses Qualitative Research with a Descriptive Approach. Data Collection Techniques are Observation, Interview and Documentation. Data Analysis Techniques namely Data Reduction, Data Presentation and Conclusion Drawing. Based on the results of this study, the marketing strategy applied by this business runs naturally and relies on a simple but deeply rooted approach.

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