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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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Pengaruh Motivasi, Pelatihan dan Insentif Terhadap Kinerja Pegawai pada Fakultas Kedokteran, Kesehatan Masyarakat dan Keperawatan Universitas Gadjah Mada Nurviani Solichah; Zaenal Wafa
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.v6i6.8504

Abstract

This study aims to analyze the effect of motivation, training, and incentives on the performance of permanent education staff at the Faculty of Medicine, Public Health, and Nursing, Universitas Gadjah Mada (FK-KMK UGM). The approach used is quantitative with a survey method by distributing questionnaires to 257 respondents, and 148 data were obtained that were worthy of analysis. The independent variables in this study are motivation, training, and incentives, while the dependent variable is employee performance. Data analysis was carried out using multiple linear regression with the help of SPSS software. The results of the study indicate that motivation and training partially have a positive and significant effect on employee performance. However, incentives do not have a significant effect individually. However, simultaneously motivation, training, and incentives together have a significant effect on employee performance. This finding emphasizes the importance of integrated human resource management, with an emphasis on increasing motivation and effective training, as well as fair incentives to improve employee performance in supporting the
Pengaruh Aglomerasi Industri, Angkatan Kerja dan Human Capital Investment Terhadap Pertumbuhan Ekonomi di Kawasan Regional Sumbagsel Ditinjau dari Perspektif Ekonomi Islam: Analisis Data Panel : Tahun 2017-2023 Annisa Putri Lestari; Budimansyah; Yulistia Devi
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.v6i7.8531

Abstract

This study aims to determine the impact of agglomeration, labor force, and Human Capital Investment on economic growth in the Sumbagsel Regional Area. The research employs a quantitative approach. The concentration of industries that shapes consumption patterns influences the economic development of the surrounding areas, with the labor force supporting the economy to enhance production factors. Lastly, Human Capital Investment (HCI) refers to a field with sufficient human resources in terms of skills, knowledge, and health that can support economic growth. The data for this research was obtained from secondary sources using literature review and documentation methods for data collection. The analysis technique used is panel data regression testing with Eviews 12. The results indicate that simultaneously, Industrial Agglomeration (X1), Labor Force (X2), and Human Capital Investment (X3) have a positive and significant effect on economic growth (Y). The findings show that agglomeration, labor force, and human capital investment collectively influence economic growth in the Sumbagsel Regional Area.
Strategi Pengelolaan Badan Usaha Milik Desa (BUMDES) untuk Kesejahteraan Masyarakat dalam Perspektif Ekonomi Islam di Desa Mpili Kec. Donggo Iransayah; Muhammad Rasyad Al, Fajar; 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.v6i7.8542

Abstract

Mpili village is a population and group that can really overcome prosperity and achieve national development targets The village government provides funds to manage the government to develop several economic activities in the community and maximize community opinion titles to be able to meet the needs and potential of the village. So this research aims to the Management Strategy of Village-Owned Enterprises (Bumdes) for Community Welfare in the Perspective of Islamic Economics in Mpili Village, Donggo Kec. This research will be conducted in Mpili Village, Donggo Subdistrict, Bima Regency, West Nusa Tenggara. This research uses Qualitative Research with a Descriptive Approach. Data Collection Techniques are Observation and Interview. Data Analysis Techniques are Data Reduction, Data Presentation and Conclusion Drawing. Based on the results of the study, it can be concluded that the BUMDes management strategy in Mpili Village has shown a fairly positive development direction, although it is still in the growth stage. The village government together with the community has succeeded in building a business management system that optimally utilizes local potential, especially in the agriculture and trade sectors.
Faktor-faktor yang Mempengaruhi Kepuasan Pengguna Mobile Banking: Studi Empiris pada Nasabah BCA di Sumatera Barat Stefanie Renata Maharani; Asniati Bahari
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.v6i6.8543

Abstract

The purpose of this study is to present empirical data regarding the impact of system quality, information quality, service quality, and system security on user satisfaction among West Sumatera BCA mobile banking customers. Data for this study were obtained through an online survey completed by 235 participants. The analysis indicates that both system quality and information quality significantly and positively influence user satisfaction. Conversely, service quality and system security do not demonstrate a notable effect. These insights are valuable for service providers, emphasizing the importance of enhancing system functionality, ensuring the accuracy of information, improving service delivery, and strengthening system security to better align with user expectations. Additionally, mobile banking users are encouraged to take these four elements into account when choosing a digital banking platform to ensure a more efficient and satisfying experience.
Pengaruh Literasi Keuangan, Persepsi Kemudahan Penggunaan, Dan Persepsi Manfaat Terhadap Minat Penggunaan Fintech Lending (Studi Kasus Pada Mahasiswa Universitas Muhammadiyah Surakarta) Ingreanida Agya Saputri; Suyatmin Waskito Adi
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.v6i6.8583

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, persepsi kemudahan penggunaan, dan persepsi manfaat terhadap minat penggunaan fintech lending pada mahasiswa Universitas Muhammadiyah Surakarta. Pendekatan yang digunakan adalah kuantitatif dengan metode survei. Data diperoleh dari 100 responden yang dipilih secara purposive dan dianalisis menggunakan regresi linier berganda dengan bantuan SPSS. Instrumen pengumpulan data diuji validitas dan reliabilitasnya, serta dilakukan uji asumsi klasik untuk memastikan kelayakan model. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh signifikan terhadap minat penggunaan fintech lending. Sebaliknya, persepsi kemudahan penggunaan dan persepsi manfaat tidak memiliki pengaruh signifikan. Temuan ini mengindikasikan bahwa pemahaman mahasiswa tentang keuangan lebih menentukan dalam membentuk minat terhadap penggunaan layanan fintech lending dibandingkan persepsi terkait kemudahan atau manfaat yang dirasakan.
Pengaruh Motivasi, Komunikasi dan Beban Kerja Terhadap Kepuasan Kerja Karyawan pada PT. Boga Cipta Kreasi Balikpapan Vivianne Chelsea Kezia Canovanny; Misna Ariani; Imam Arrywibowo
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.v6i6.8650

Abstract

The purpose of this study is to determine the Influence of Motivation, Communication and Workload on Employee Job Satisfaction at PT. Boga Cipta Kreasi Balikpapan. The population in this study were all employees of PT. Boga Cipta Kreasi Balikpapan with a total of 66 respondents who would be used as samples. The type of research used was quantitative research with total sampling techniques and data collection was carried out by distributing questionnaires. The research method used Smart-PLS data processing with an analysis model using outer models, inner models, basic equations and bootstrapping testing. The results of this study indicate that the variables of motivation, communication and workload have an effect and are significant on employee job satisfaction at PT. Boga Cipta Kreasi Balikpapan.
Kebijakan Dividen: Struktur Kepemilikan, Kebijakan Utang, Kesempatan Investasi, dan Profitabilitas Muhammad Ihsan Budi Santoso; Eny Kusumawati
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.v6i6.8657

Abstract

Dividend policy is a decision whether the profit earned by the company will be distributed to shareholders as dividends or will be retained in the form of retained earnings for future investment financing. This study aims to analyze the effect of ownership structure, debt policy, investment opportunities, and profitability on dividend policy in non-financial companies on the IDX for the 2021-2023 period. The sampling technique used in this study was purposive sampling. A total of 258 companies have met the criteria as observation units. The analysis method used is multiple linear regression analysis. The results provide empirical evidence that debt policy affects dividend policy, the looser the debt policy (high DER ratio), the percentage of dividends distributed will decrease. Profitability affects dividend policy, the higher the profitability ratio in the company, the percentage of dividends distributed will increase. Meanwhile, ownership structure and investment opportunities have no effect on dividend policy. These findings provide important empirical and practical contributions to stakeholders, especially companies and investors, regarding factors that have contributed to dividend policy in non-financial companies listed on the Indonesia Stock Exchange (IDX).
Model Pengembangan Wisata Berkelanjutan: Studi Kasus Desa Wisata Lerep Kabupaten Semarang Nurjannah Rahayu Kistanti; Dyah Maya Nihayah; Syifa Sa’adah; Badar Fadlan Ibrahim; Dewi Karisma; Medi Elfani
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.v6i6.8671

Abstract

The purpose of this research is to analyze the sustainable tourism development model in Lerep Tourism Village, Semarang Regency. The data collection method was conducted by primary survey in the form of participatory Business Model Canvas (BMC) workshop to identify the economic potential of the village (tourism sector) and exploring through semi-structured interviews to several village stakeholders using purposive sampling. This data was analyzed using descriptive and SWOT analysis. The results showed that tourism development in Lerep Village requires improvement efforts in several aspects of BMC. By applying a framework such as the Business Model Canvas (BMC), Lerep Village can specifically identify different market segments and value propositions, thus enabling a coherent development approach. In order to implement the concept of community-based tourism (CBT) in various villages, a strong synergy between the government, the community, and the private sector is needed in formulating and realizing the vision of a sustainable tourism village.
Financial Distress: Real Interest Rate, Operating Cash Flow, Operating Capacity, Sales Growth dan Kepemilikan Institusional Anistya Dhifa Pratitasari; Eny Kusumawati
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.v6i6.8704

Abstract

Financial distress is a condition of continuous financial decline in a company caused by incorrect decision-making, management weaknesses, lack of cash flow and inability to pay obligations, which is one indicator of bankruptcy. This study analyzes the effect of real interest rate, operating cash flow, operating capacity, sales growth and institutional ownership on financial distress in primary consumer goods sector companies listed on the Indonesia Stock Exchange for the period 2021-2023. The sampling technique used in this study was purposive sampling. A total of 123 companies have met the criteria as observation units. The analysis method used is multiple linear regression analysis. The results of the study provide empirical evidence that real interest rate, operating cash flow, operating capacity, and institutional ownership have a significant effect on financial distress. Meanwhile, sales growth has no effect on financial distress. These findings provide insight for companies, investors, and regulators in understanding the factors that influence financial distress to maintain the company and be able to compete with competitors.
Pengaruh PAD, Dana Perimbangan, dan Belanja Modal terhadap IPM di Provinsi Maluku Utara Tahun 2019 – 2023 Tania Farah Fadilah; Avi Budi Setiawan
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.v6i7.8720

Abstract

The objective of this study is to investigate the impact of Regional Original Revenue (PAD), Balance Funds, and Capital Expenditure on the Human Development Index (HDI) in North Maluku Province from 2019 to 2023. The study is motivated by the difference seen between the growing fiscal capacity of the region and the relatively stagnant progress of HDI. Local governments are expected to efficiently utilize their financial resources under the framework of fiscal decentralization. A quantitative approach using a multiple linear regression model is used. Secondary data was obtained from the North Maluku Central Statistics Agency (BPS) and the Directorate General of Fiscal Balance (DJPK). The HDI is the study's dependent variable, and the independent variables are capital expenditure, balance funds, and PAD. The analysis includes the coefficient of determination (R2) and partial (t-test) and simultaneous (F-test) hypothesis testing. According to the results, capital expenditure, balance funds, and PAD all positively affect HDI. Capital expenditure and balance funds both make substantial contributions to HDI on their own, but PAD has no statistically significant impact. Capital Expenditure has the second-strongest impact on HDI among the three, after Balance Funds. These findings demonstrate how important regional spending and intergovernmental fiscal transfers are to raising living standards. The study comes to the conclusion that promoting human development in North Maluku Province requires focused financial investment in key sectors like social infrastructure, healthcare, and education.

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