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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 ICT Demands dan ICT Resources Terhadap Job Satisfaction Melalui Work-Family Balance Sebagai Variabel Intervening Pada Perusahaan Beauty industry di PT XYZ Haifa Aghnia; Yohana Cahya F. Palupi Meilani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8566

Abstract

                This study aims to analyze the influence of Information and Communication Technology (ICT) Demands and ICT Resources on Job Satisfaction, with Work-Family Balance as a mediating variable, among employees in the beauty industry, particularly at PT XYZ. As digital transformation accelerates, the integration of ICT into daily work operations has significantly altered employees' work dynamics, including their work-life balance and Job Satisfaction. In this context, ICT Demands refers to the pressures and expectations caused by the use of technology, while ICT Resources represent the available support such as training, infrastructure, and access to adequate digital tools. Using a quantitative approach, data were collected from 150 active employees at PT XYZ who regularly engage with ICT in their job roles. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess the relationships among the variables. The findings reveal that ICT Demands has a significant negative impact on both Work-Family Balance and Job Satisfaction, whereas ICT Resources have a significant positive effect on these outcomes. Furthermore, Work-Family Balance was found to be a significant mediator in the relationships between ICT-related factors and Job Satisfaction.
Implementation of Digital Marketing in Building Brand Recognition Using Creative Content Formats and Paid Advertising on Instagram and Tiktok Social Media Platforms for Michil Msme Astri Nur Rahmawati; Adinda Rizki Luthfiyyah; Fitri Dewi Afiany
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8568

Abstract

Michil is a Micro, Small, and Medium Enterprise (MSME) based in Bandung City that operates in the Food and Beverage sector, focusing on chili oil-based menu products. As a newly growing MSME, Michil needs to expand its effective strategies to enhance brand visibility in the eyes of consumers. The objective of this project is to implement a digital marketing strategy through creative content formats and paid advertising to build brand recognition for Michil MSME on Instagram and TikTok platforms. The brand recognition built through this initiative is expected to improve brand visibility and expand consumer reach, particularly in the Bandung area, through effective marketing communication. This project adopts a method that combines creative content and paid advertising approaches. Data collection is based on several analyses, including empathy maps, SWOT, TOWS, and buyer personas, to gather data on consumer content pillar preferences used in designing a content calendar. The analysis and data were obtained through interviews with Michil’s customers and owner, as well as direct observation of Michil’s digital marketing activities. The research results indicate that the implementation of digital marketing through creative content and paid advertisements can increase the number of followers, likes, and account reach. These findings demonstrate that creative content formats and the use of paid ads on Instagram and TikTok platforms significantly contribute to enhancing Michil’s brand recognition. Based on this project, the author recommends that Michil become more active in developing interactive content through social media management and allocate a more strategic budget for paid advertisements to reach a broader target audience.
Dampak Sistem Informasi Akuntansi terhadap UMKM di Kawasan Asia: Tinjauan Literatur Sistematis Wahyudi Nur Hidayat; Yusnaini Yusnaini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8569

Abstract

The purpose of this study is to assess the impact of Accounting Information Systems (AIS) on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Asia. To achieve this objective, this study uses a comprehensive literature review method. This study emphasizes how the implementation of AIS can improve management decision-making, operational efficiency, and financial reporting accuracy, considering the important role of MSMEs in the Asian economy. This study utilizes the PRISMA method and the Google Scholar database. 27 articles met the inclusion criteria. The results show that the implementation of AIS generally benefits the performance of MSMEs, although the impact varies depending on the sector, location, and scale of the business. It is evident that the success of AIS adoption is influenced by internal components, such as organizational culture, HR training, and management support, as well as external components, such as government policies and technological infrastructure. This study provides practical lessons for business actors and policy makers on how to create a more effective and inclusive MSME digitalization strategy in the Asian region. Keywords: Accounting Information Systems, MSMEs, Asia, Business Digitalization JEL Code: M41, L26, O32, C80
Penerapan Prinsip-Prinsip Perdagangan Internasional (Word Trade Organization) dalam Tinjauan Maqashid Syari’ah Salman Nashih Amiin; Wirdyaningsih
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8571

Abstract

The World Trade Organization (WTO) is an international trade organization that regulates international trade activities. The WTO has principles that are firmly held in regulating international trade activities. One of the WTO principles that underlies other principles is non-discrimination, which means equal treatment and does not differentiate between member countries. Agreements with the principle of non-discrimination that must be implemented by every WTO member without exception do not necessarily provide justice to every member because not all members have the same conditions, such as developed countries, developing countries and poor countries. Indonesia, which is a member of the WTO and the majority of Indonesian people who are Muslim, is automatically bound and obliged to implement WTO provisions and Islamic law. The problem studied is the suitability of the application of WTO principles in Islam according to the Maqashid Syar'ah review. The research method used is the doctrinal research method. This research is a literature review (liberary research) sourced from scientific works and WTO principles. The results of this study indicate that there are several applications of WTO principles that are less appropriate in the study of maqashid sharia, namely the principles of Most Favored Nation (MFN) and Reciprocity, but there are several WTO principles that are appropriate to the study of maqashid sharia, namely the principles of National Treatment, Free Trade, Fair Competition, Special and Differential Treatment and Transparency. Keywords: Maqashid syari’ah; Principle of Trade; World Trade Organization
Pengaruh Fear of Missing Out (FoMO) dan Halal awareness Terhadap Keputusan Pembelian Skincare Korea pada Generasi Z di Surabaya Aufa Aviska Haryono
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8592

Abstract

This study aims to analyze the influence of Fear of missing out (FoMO) and Halal awareness on the purchasing decisions of Korean skincare products among Generation Z in Surabaya. This research uses a quantitative method with an associative approach. Data were collected through the distribution of questionnaires to 100 respondents aged 17–27 years who reside in Surabaya and have experience using Korean skincare products. The data analysis technique employed is multiple linear regression with the assistance of SPSS. The results of the study show that both FoMO and Halal awareness have a significant influence on purchasing decisions. Furthermore, FoMO and Halal awareness simultaneously have a significant effect on purchasing decisions. This study contributes to the understanding of Generation Z consumer behavior, particularly in the context of halal product marketing and global trends.
Utilizing Business Intelligence Tools in Fintech: Visualizing Risky Credit Categories With K-Means Clustering Using Rapidminer Muhammad Sipri; Akhmad Rizki Sridadi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8593

Abstract

In the field of financial risk assessment, understanding and categorizing credit risk is critical for effective decision making. This study explores the use of KMeans Clustering, implemented via RapidMiner, to visualize and describe risky credit categories. Leverage a rich data set of related financial attributes, including total income, education, family status, residence type, ownership, and more. K-Means clustering facilitates customer segmentation into different risk groups based on similar credit profiles. Through the application of this grouping technique, financial institutions can gain insight into potential credit defaults, thereby enabling proactive risk management strategies. The visualization aspect enhances interpretability, enabling stakeholders to understand and navigate the complex credit risk landscape more intuitively. By leveraging the capabilities of RapidMiner, this research contributes to the advancement of data-driven methodologies in financial risk assessment, offering a practical approach to visualizing and understanding credit risk categories. These findings provide valuable insights to financial analysts, policy makers and decision makers, empowering them to make informed decisions and mitigate credit risks effectively.
Strategi Pengembangan Ekonomi Berbasis Potensi Lokal melalui Pemberdayaan Perempuan dan Pengembangan UMKM di Desa Geneng Ahmad Anif; Reikha Habibah Yusfi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8603

Abstract

Developing Regional Economic Development through women empowerment is an effort by the Geneng Village Governmet to develop MSME. However, Regional Economic Development through women empowerment for developing MSME has not run optimally. For optimizing Regional Economic Development especially MSME which moved by women, The Geneng Village Government held an MSME’s training program. This study aims to analyze the role of the government in Geneng Villahe, MSME actors, especially women. Researcher used a descriptive qualitative approach method. Researcher conducted observations, interviewsm and documentation of MSME actors in Geneng Village especially women. This study focuses on exploring the opportunities and strategies taken in utilizing the local potential in Geneng Village. The data used are primary data and secondary data. The research subjects used included: the head of village (1 person), village officials (2 people), MSME’s (5 People) and core members of BUMDes (3 people). Thus, the total number of informant subjects is 11 people.
Pengaruh Religiusitas, Altruisme, Empati, dan Norma Subjektif Terhadap Penggunaan ZIS Online pada Gen Z di Surabaya Aliza Salsa Nabila
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8610

Abstract

This study aims to analyze the influence of religiosity, altruism, empathy, and subjective norms on the use of Zakat, Infak, and Sedekah (ZIS) online by Generation Z in Surabaya. Using a quantitative method with an associative approach, the study surveyed 100 respondents from Generation Z who had experience in using online ZIS services. Data analysis was conducted using multiple linear regression with the help of SPSS. The results showed that religiosity, altruism, empathy, and subjective norms significantly influenced the use of online ZIS. This research provides insights into the behavior of tech-savvy Muslim youth and can inform the development of digital zakat services.
Pengaruh Content Marketing dan Influencer Marketing terhadap Keputusan Pembelian melalui Purchase Intention sebagai Variabel Intervening pada Produk Skintific: Studi pada Generasi Z di Kabupaten Purworejo Eka Yuni Astuti; Intan Puspitasari; Dedi Runanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8611

Abstract

The beauty industry in Indonesia, especially the skincare sector, continues to show significant growth. To win the market, entrepreneurs strive to produce the best quality products and determine the right marketing strategy. Skintific used a content marketing and influencer marketing strategy with a TikTok Ads campaign, and engaged popular influencers such as Cut Rizki, Tasya Farasya, and Nicholas Saputra. This strategy succeeded in increasing brand exposure, but also caused negative reactions due to the high frequency of advertisements which were considered annoying by some users. Therefore, this study aims to analyze the effect of Content Marketing and Influencer Marketing on Purchasing Decisions through Purchase Intention as an Intervening Variable. This research design uses quantitative methods with a sample size of 150. Data collection using a questionnaire with a Likert scale. This research was conducted in Purworejo Regency using quantitative methods and Structural Equation Modeling (SEM) analysis through SmartPLS. The results showed that Content Marketing has a positive and significant effect on Purchasing Decisions, Influencer Marketing has a positive and significant effect on Purchasing Decisions, Content marketing has a positive and significant effect on purchase intention. Influencer marketing has a positive and significant effect on purchase intention, Purchase intention has a positive and significant effect on purchasing decisions, Purchase intention mediates the effect of content marketing on purchasing decisions, and Purchase intention mediates the influence of influencers on purchasing decisions.
Pengaruh Brand Personality dan Brand Image Terhadap Brand Loyalty yang Dimediasi oleh Brand Trust pada Konsumen Sepatu Olahraga Merek Nike di Kota Bandung Rio Sahrul Herdiansyah; Hariyadi Triwahyu Putra
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8627

Abstract

The purpose of this study is to test the influence of brand personality and brand image on brand loyalty mediated by brand trust in consumers of Nike brand sports shoes in Bandung City. By using a quantitative approach with data obtained through a questionnaire to 120 users of Nike brand sports shoes in Bandung City who were selected using convenience sampling techniques with cross-sectional or one shot studies in obtaining data. The research instrument has been stated as reliable and valid. Data were analyzed using SPSS Statistics 27. Brand personality and brand image were found to have a positive and significant influence on brand loyalty through brand trust. The results of this study are expected to provide benefits for further research and to Nike sports shoe product managers regarding the design of appropriate strategies for increasing these loyalty attributes. Further researchers suggest exploring other factors that can strengthen brand loyalty.

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