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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 Faktor-faktor yang Mempengaruhi Permintaan Emas di Indonesia 2020-2024 Farida Nur Azizah; Nurjannah Rahayu Kistanti
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.v6i6.8170

Abstract

This study aims to analyze the factors that influence the demand for gold. Gold is considered a safe investment amid economic instability and inflation, which is relevant to the research findings that show that investors choose gold during high inflation. This study aims to develop a model that can predict the demand for gold by considering monetary policy, with international conditions and to develop guidelines for investors who want to balance their portfolios with gold in the face of market risks caused by oil price fluctuations, changes in stock market indices, and monetary policy. The analysis used is linear regression analysis with the Eviews program. The results of this study showed that there is a significant influence of GDP per capita, gold prices, and BI Rate on the demand for gold. These three variables have a positive influence, which means that the higher the GDP per capita, gold prices, and BI Rate, the higher the demand for gold, and vice versa, the lower the GDP, the lower the demand for gold. The results of this study also showed that there was no influence of silver prices and exchange rates on the demand for gold.
Pengaruh Social Media Marketing, Word of Mouth, Label Halal dan Harga Terhadap Keputusan Pembelian Produk Kosmetik Brand Haveloek Salsabila Azaria; Hendra Achmadi
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.v6i7.8177

Abstract

                The purpose of this study is to determine whether word of mouth, online cutsomer ratings, social media marketing, price and halal label have a positive influence on purchasing decision for cosmetic product of the Haveloek brand. This study is driven by stagnant sales performanca of Haveloek, which shows a significant gap compare to other local brand. The sample consist of Haveloek consumers in JABODETABEK area with total of XX respondents. The sampling technique used is puporsive sampling and data analysis was carried out using SMART PLS application with the PLS-SEM method. The result of this study are expected to provide insights for Haveloek in designing more effective marketing strategies to improve its competitiveness in the Indonesia cosmetic industry. This study demonstrates a positive influence of social media marketing, word of mouth, price, and halal label on the purchase decision of Haveloek cosmetic products.
Peran E-Commerce dalam Meningkatkan Daya Saing Usaha Lokal di Kota Bima: Studi Usaha Tenun Songket Nur Sakura Kota Bima Rahmah; Rafiuddin; Muhammad Zia Ulhaq
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.v6i7.8187

Abstract

This study aims to understand the role of e-commerce in enhancing the competitiveness of local businesses in Bima City. The business actor referred to in this research is the Nur Sakura woven textile shop in Bima City. This study uses a qualitative approach with a case study strategy. Data collection techniques include observation, interviews, and direct documentation of the related object. Data validity techniques use triangulation. The results of the study show that e-commerce plays a significant role for entrepreneurs, especially for local Micro, Small, and Medium Enterprises (MSMEs), in this case for the Nur Sakura woven textile shop in Bima City. By leveraging this technology, MSMEs can expand their market reach globally without geographical limitations, improve operational efficiency, and enhance their competitiveness in an increasingly digital market. By implementing e-commerce promotion strategies, MSMEs can boost their online presence, reach more customers, and increase their sales. This will help them compete in an increasingly digital market and strengthen their competitiveness in the long term. The conclusion of this study is that the use of e-commerce can enhance the competitiveness of Nur Sakura's woven textiles in both national and international markets.
Analisis Pengaruh Sistem Pengendalian Internal, Ketaatan Aturan Akuntansi, dan Kompetensi Sumber Daya Manusia Terhadap Penurunan Accounting Fraud Pada Unit Pengelola Kegiatan (UPK) di Kabupaten Sragen Ardika Yuda Pamungkas; Heppy Purbasari
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.v6i5.8198

Abstract

Accounting fraud is a form of deviation from standard operating practices in an agency related to financial reporting. Internal control systems, compliance with accounting rules, and human resource competencies play a role in reducing accounting fraud. This study aims to analyze the effect of internal control systems, compliance with accounting rules, and human resource competencies on reducing accounting fraud in Activity Management Units (UPK) in Sragen Regency. The population in this study were UPK administrators in Sragen Regency. The sample determination used purposive sampling. The respondents of the study were 48 UPK administrators consisting of the chairman, secretary, Verification Team (TV), Supervisory Board (BP) and treasurer in UPK in each sub-district in Sragen Regency. The data obtained were then processed using multiple regression analysis. The results of this study include: first, the internal control system variable does not have a significant effect on the variable of reducing accounting fraud in UPK in Sragen Regency. Second, the variable of compliance with accounting rules does not have a significant effect on reducing accounting fraud in UPK in Sragen Regency. Third, the variable of human resource competency has a significant effect on reducing accounting fraud in UPK in Sragen Regency. This study can be utilized by the Central Government and Regional Governments to formulate policies related to reducing accounting fraud in UPK throughout Indonesia or specifically in UPK in Sragen Regency.
Pemetaan Potensi Ekonomi di Pulau Jawa Berdasarkan Pendekatan LQ, DLQ, dan Analisis Input-Output Khoirotun Ni’mah; Nurjannah Rahayu Kistanti
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.v6i6.8203

Abstract

Java contributes 57.04% of the national GDP, making it the primary engine of Indonesia’s economic growth. However, the six provinces receive this contribution unevenly, with pronounced disparities between northern and southern Java. Through Presidential Regulation No. 72 of 2023, the government has designated Main Activity Centers (PKU) and Supporting Activity Centers (PKP) on the island to promote more balanced economic development. However, the economic roles assigned to each PKU remain broad, and no recent study has mapped Java’s leading sectors to inform more targeted, potential-driven planning. Therefore, this research applies Location Quotient (LQ), Dynamic Location Quotient (DLQ), and Input-Output Table Analysis—Backward Linkage (IBL) and Forward Linkage (IFL)—to identify each province’s core sectors and their linkages. The results show that according to LQ and DLQ, Java’s leading sectors are wholesale and retail trade, construction, manufacturing, and education services; meanwhile, IBL and IFL analyses reveal that electricity and gas procurement, along with wholesale and retail trade, dominate in almost all provinces. These findings are expected to provide an initial framework for economic development planning aligned with each province’s economic structure, ensuring policies are optimally implemented.
Challenges and Opportunities for Indonesian Environmental Management in The Industry 4.0 Era Ayu Shinta Dewi
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.v6i7.8222

Abstract

 The issuance of Law Number 11 of 2020 regarding Job Creation was welcomed by most business actors, but on the other hand it left concerns about the risk of massive environmental degradation. One of the efforts to synchronize the spirit of accelerating business licensing with environmental protection and management is the industrial framework 4.0. The form of Industry 4.0 which is integrated, agile , accurate, synchronized with each other, and encourages acceptance of new perspectives with virtual-digital aspects, enables innovation in the use of new methods in environmental management. So far the government of the Republic of Indonesia has prepared sufficient regulatory and institutional arrangements to accommodate the conceptual industry 4.0 into the challenges of sustainable environmental management. In carrying out the transformation of sustainable development from conventional concepts towards 4.0, human resources are needed who are able to see opportunities and build the required competencies.
Kinerja Keuangan dan Harga Saham: Peran Umur Perusahaan pada Sektor Energi BEI Periode 2021-2024 Windyaningsih Dwi Astuti; Hasim As’ari
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.v6i6.8226

Abstract

Stock prices are influenced by various internal company factors, including financial performance and company characteristics. This study aims to analyze the effect of profitability, solvency, and liquidity on stock prices in energy sector companies listed on the Indonesia Stock Exchange (IDX), and test the role of company age as a moderating variable. This study uses a quantitative approach with multiple linear regression methods and moderation interaction tests. The sample consists of energy sector companies that are consistently listed on the IDX in the 2021-2024 period. The results show that Return on Equity (ROE) has a positive and significant effect on stock prices, while Debt to Equity Ratio (DER) and Current Ratio (CR) have no significant effect. Company age has a significant effect and moderates the relationship between DER and CR on stock prices. Profitability and company age are important factors in determining stock value. Investors are advised to consider these indicators in making decisions, while management needs to maintain long-term financial performance and reputation. Further research can examine other external variables and industry sectors.
Analisis Pengaruh Keadilan Organisasi dan Quality of Work Life Terhadap Kepuasan Kerja Karyawan Honorer BKAD Kota Tangerang Selatan Fadhila Harfiani; Priyo Susilo; Abdul Rauf
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.v6i7.8230

Abstract

The study aims to determine and analyze the effect of organizational justice on employee job satisfaction, the effect of quality of work life on employee job satisfaction and to determine the effect of organizational justice and quality of work life on employee job satisfaction partially or simultaneously. Using an associative method with a quantitative approach. This study uses SPSS version 30. The population in this study were all honorary employees of the South Tangerang City BKAD totaling 62 people. The sampling technique used was a saturated sample, thus the sample used in this study amounted to 62 honorary employees of the South Tangerang City BKAD as respondents. Sampling using random sampling technique using a questionnaire instrument to collect data. The results of the study indicate that Organizational Justice has an effect on Employee Job Satisfaction, Quality of Work Life has an effect on Employee Job Satisfaction, Organizational Justice and Quality of Work Life have an effect on Employee Job Satisfaction, The implications of the study indicate that Organizational Justice and Quality of Work Life have an effect and are able to increase Employee Job Satisfaction.
Analisis Pengaruh Literasia Digital, Pengalaman Teknologi, dan Faktor Psikologis terhadap Kesiapan Mahasiswa Akauntansi Kolaborasi dengan Cloud Accounting Ruth Septiana Sinaga
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.v6i7.8236

Abstract

The development of digital technology has brought significant changes to accounting practices, including the emergence of cloud accounting, which is now widely used by various companies. In this context, accounting students as prospective professionals need to have adequate readiness to face this digital transformation. This study aims to determine the extent of the influence of digital literacy, technology usage experience, and psychological factors (especially technology anxiety) on students' readiness to face the use of cloud accounting. This research uses a quantitative approach by distributing questionnaires online to active students in the Accounting Study Program at Universitas Dian Nuswantoro Semarang. The number of respondents successfully collected was 436 people, determined based on the Cochran formula and the Krejcie and Morgan table. The data obtained have undergone validity and reliability tests, as well as meeting normality assumptions for further analysis using linear regression. The research results show that digital literacy and technology experience have a positive and significant impact on student readiness. Conversely, the psychological factor of anxiety towards technology shows a negative but still significant influence. Of the three variables, digital literacy is the most dominant factor. These results emphasize the importance of enhancing digital competencies and familiarizing with technology from an early age so that students are better prepared to face professional challenges in the digital era.
Pengaruh Kepemimpinan, Motivasi Dan Lingkungan Kerja Terhadap Kepuasan Kerja Tenaga Kependidikan Pada Universitas Balikpapan Dinda dita Rahayu; Didik Hadiyatno; Rahajeng Cahyaning Putri Cipto
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.v6i6.8240

Abstract

The purpose of this study is to determine the influence of leadership, motivation, and work environment on the job satisfaction of educational staff at the University of Balikpapan. This research uses a quantitative approach. The analysis tool employed is multiple linear regression, processed using SmartPLS software. The sampling technique used is census sampling with a total of 72 respondents from the university's educational staff. Data were collected through observation, interviews, and questionnaires.The results of this study indicate that the leadership variable has a partial influence on the job satisfaction of educational staff at the University of Balikpapan. The motivation variable also has a partial influence on job satisfaction. However, the work environment variable does not have a partial influence on the job satisfaction of educational staff at the University of Balikpapan.

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