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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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Pengaruh Celebrity Endorsement terhadap Purchase Decission dengan Brand Image sebagai Mediator pada Scarlett Whitening Zulham Muji; Hedi Cupiadi; Dani Adiatma
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (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.v6i10.9322

Abstract

This study was designed to examine Brand Image as an intervening variable in Purchase Decisions for Scarlett Whitening products influenced by Celebrity Endorsement. The background of this study shows that the development of digital technology has encouraged the massive use of celebrity endorsements in marketing strategies, but there is a gap in understanding regarding their effectiveness in shaping brand image and influencing purchasing decisions. This study adopts a quantitative approach using descriptive and causal methods. Primary data were collected through a questionnaire distributed to 96 respondents who are users of Scarlett Whitening, selected using the Lemeshow formula. The study employs Partial Least Squares Structural Equation Modeling (PLS-SEM) using the SmartPLS software. Based on the research, Celebrity Endorsement has a very strong positive influence on Brand Image, and Brand Image has a positive influence on Purchase Decision. Additionally, Celebrity Endorsement also influences Purchase Decision directly and indirectly through Brand Image as an intervening variable. These findings demonstrate the importance of building a strong brand image through celebrity endorsement strategies to enhance consumer Purchase Decision.
Pengaruh Pengaruh Store Atmosphere dan Accessibility Terhadap Revisit Intention Pada Coffee Shop Maru House Dengan Customer Experience Sebagai Variabel Mediasi Dalam Perspektif Bisnis Islam Aziz Qoirullah; Erike Anggraeni; Is Susanto
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.v6i9.9330

Abstract

This study aims to analyze the influence of store atmosphere and accessibility on revisit intention with customer experience as a mediating variable at Maru House Coffee Shop in Bandar Lampung. Maru House is a unique coffee shop that combines a café environment with painting activities. However, in the midst of intense competition in the coffee shop industry, strategies are needed to maintain customer loyalty. This research adopts a quantitative approach using Structural Equation Modeling-Partial Least Square (SEM-PLS) and involves 91 respondents who have visited Maru House more than once. The analysis results indicate that both store atmosphere and accessibility have a positive and significant effect on customer experience. Furthermore, customer experience significantly influences revisit intention. It also partially mediates the relationship between store atmosphere and accessibility on revisit intention. In other words, while store atmosphere and accessibility have direct effects, customer experience strengthens the customers’ intention to return. From the perspective of Islamic business ethics, these findings are consistent with the principles of taysir (ease), ihsan (excellence in service), and maslahah (benefit), which emphasize the importance of comfort, ease of access, and quality service as forms of ethical behavior in business. By incorporating these values, Maru House Coffee Shop can enhance customer loyalty in an ethical and sustainable manner. This study contributes both theoretically and practically to the development of marketing strategies based on customer experience and Islamic business values in the café industry.
Efektivitas Pengelolaan Dana Zakat Produktif Baznaz dalam Mengentaskan Kemiskinan di Desa Melayu Kecamatan Lambu Kabupaten Bima Ariyansyah; Umar Sagaf; Muhammad Yunan Putra
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (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.v6i10.9337

Abstract

This study aims to evaluate the effectiveness of productive zakat management by BAZNAS in alleviating poverty in Malay Village, Lambu District, Bima Regency and analyze the contribution of productive zakat to poverty alleviation in Malay Village, Lambu District, Bima Regency. The method used is descriptive qualitative through interviews and observations of mustahik. The results show that productive zakat management by BAZNAS Bima Regency in Malay Village has proven its effectiveness in poverty alleviation through a sustainable economic empowerment approach based on the Bank Zakat Mikro (BZM) scheme. The program has succeeded in transforming mustahiqs into independent business actors in the livestock and handicraft sectors, with concrete achievements in the form of a 30% increase in income per year, transformation of the status of 15 families from mustahiqs to muzakki, and a 12% reduction in the poverty rate in three years. Supported by systematic governance and multi-stakeholder collaboration that utilizes local potential, this program overcomes the challenges of financial literacy and market access to create economic independence, proving productive zakat as a transformative instrument that is not only charitable but also empowering in a sustainable manner.
Literasi Keuangan Syariah Masyarakat Desa Pulai Payung, Kecamatan Ipuh Henny Satriana; Amrizal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (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.v6i10.9339

Abstract

This study aims to analyze the sharia financial literacy of the community in Pulai Payung Village, Ipuh District, Mukomuko Regency. Although Indonesia has great potential for developing sharia finance, the level of sharia financial literacy in rural areas such as Pulai Payung Village is still relatively low. This study used a qualitative method with a case study approach, collecting data through in-depth interviews with the local community. The results show that the community's understanding of the concept of sharia finance is still very limited. Most residents only know that sharia finance does not contain usury, but do not understand other products and principles such as mudharabah, musyarakah, and ijarah. The community's level of knowledge of sharia financial products and institutions is also low, with many preferring conventional financial institutions due to easier accessibility. Skills in managing finances according to sharia principles are also still minimal, with people tending to rely on conventional or informal financial systems. These findings demonstrate the need to improve sharia financial literacy through systematic and sustainable education programs, as well as support from the government and sharia financial institutions. By improving Islamic financial literacy, it is hoped that the public will be able to make better financial decisions, avoid practices that conflict with Islamic teachings, and actively participate in a more inclusive Islamic financial system. This research is expected to serve as a reference for developing Islamic financial literacy in rural areas and strengthening the Islamic financial system in Indonesia.
Pengaruh Marketing Mix (Product, Place, Promotion, Price, People) Terhadap Minat Berkunjung Masyarakat ke Poli Anak Rumah Sakit Islam Hasanah Muhammadiyah Mojokerto Pestaria Sianipar; Wani Devita Gunardi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (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.v6i10.9340

Abstract

Good hospital service is crucial because patients' perceptions of service quality are formed during their visit to a healthcare institution. The marketing mix is the most visible (tangible) component of a company's marketing activities, making it crucial because companies must create attractive offers and consider appropriate distribution and promotion tactics. The purpose of this study was to examine the influence of the marketing mix (product, place, promotion, price, people) on public intention to visit the Children's Clinic at Hasanah Muhammadiyah Islamic Hospital, Mojokerto. The study sample was taken from 80 respondents at the Children's Clinic at Hasanah Muhammadiyah Islamic Hospital, Mojokerto. Data were obtained through questionnaires, and the analysis used was multiple linear regression. The results of the analysis obtained that: 1) The product variable (X1) partially has a significant effect on the interest of the community visiting the Children's Polyclinic of RSIH Muhammadiyah Mojokerto (0.026 < 0.05). 2) The location variable (X2) partially has a significant effect on the interest of the community visiting the Children's Polyclinic of RSIH Muhammadiyah Mojokerto (0.004 < 0.05). 3) The promotion variable (X3) partially has a significant effect on the interest of the community visiting the Children's Polyclinic of RSIH Muhammadiyah Mojokerto (0.006 < 0.05). 4) The price variable (X4) partially has a significant effect on the interest of the community visiting the Children's Polyclinic of RSIH Muhammadiyah Mojokerto (0.001 < 0.05). 5) The employee variable (X5) partially has a significant effect on the interest of the community visiting the Children's Polyclinic of RSIH Muhammadiyah Mojokerto (0.003 < 0.05). 5) The variables product (X1), place (X2), promotion (X3), price (X4), and people (X5) simultaneously significantly influence public interest in visiting the Pediatric Clinic of RSIH Muhammadiyah Mojokerto (0.000 < 0.05). To increase public interest in visiting, the hospital needs to pay attention to the marketing mix and demonstrate concern for patients in need of healthcare services, provide personalized attention to each individual, and remind patients of medical recommendations to follow. The hospital is expected to continue providing professional services to both BPJS patients and the general public so that the public maintains trust in the hospital's services.
Pelaksanaan Sistem Manajemen Kesehatan dan Keselamatan Kerja (SMK3) di RS An-Nissa Rejang Lebong Tahun 2024 Anggrainy Intan Kusuma Putri; Wani Devita Gunardi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (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.v6i10.9343

Abstract

                The Occupational Health and Safety Management System (SMK3) plays a vital role in ensuring the safety of both healthcare workers and patients within the high-risk environment of hospitals. This study aims to evaluate the implementation of SMK3 at An-Nissa Hospital in Rejang Lebong, covering key aspects such as policy, planning, organization, implementation, evaluation, and continuous improvement. A qualitative research approach with a phenomenological design was used to explore in depth the motivations, attitudes, perceptions, and values influencing SMK3 practices. Data were collected through triangulation techniques, including direct observation, in-depth interviews with key informants, and document analysis consisting of decrees, regulations, and photo evidence related to occupational health and safety activities. The findings indicate that while SMK3 implementation at An-Nissa Hospital is underway, it has not yet fully met the standards outlined in the Hospital Occupational Health and Safety Management Guidelines. Strengthened management commitment and regular evaluations are needed to improve system effectiveness. An optimal SMK3 implementation is expected to create a safe, healthy, and productive work environment for all hospital personnel.
Analisis Strategi Pemasaran Kopi dalam Meningkatkan Volume Penjualan di PT. Utokopia Coffee Surabaya Asnanda Fairuz Tsuraya; Acep Samsudin
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.v6i9.9347

Abstract

This study aims to analyze the marketing strategies implemented by PT. Utokopia Coffee Surabaya in increasing sales volume amid the increasingly competitive coffee business. The research method used is qualitative with a descriptive approach, which includes in-depth interviews, observations, and document analysis. The results show that Utokopia Coffee has strengths in product quality and strategic location, but also faces weaknesses in promotion and seating capacity. Opportunities for growth exist in the increasing coffee consumption trend, while threats come from intense competition. By applying SWOT analysis, this study recommends improving facilities, innovating the menu, and adopting more interactive marketing strategies to enhance competitiveness and sales volume.
Implementasi Performance Management System pada Unit Aviation Security di Bandar Udara Internasional Yogyakarta Walid Jumlad; Ajie Febrianto T
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (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.v6i10.9348

Abstract

To improve the quality of human resources, the role of the Performance Management System (PMS) is very important, as well as a crucial foundation for achieving productivity and sustainable progress of an organization. This study focuses on the Implementation of the Performance Management System in the Aviation Security unit at Yogyakarta International Airport. This study employs a qualitative research method, collecting primary data through interviews and observations, as well as secondary data from documents related to performance assessments and documented events. This study was conducted from August to September 2024 at Yogyakarta International Airport. The data collection techniques used were observation, interviews, and documentation. While the data analysis technique used data collection, data reduction, data presentation, and conclusion. The results of the study show that the implementation of PMS at Aviation Security YIA went through four main stages: Planning (Plan), Action (Act), Monitoring (Monitoring), and Assessment (Review). Planning constraints (adjustment of ambitious targets, personnel understanding) were overcome by involving the Chief and structured socialization. Action steps to deal with decreased motivation, fatigue, and a mentality that already memorizes, which reduces compliance and responsibility, are overcome through continuous training, strengthening leadership, instilling a culture of belonging, and a reward-punishment system. Monitoring is constrained by personal assessment, manual observation, large data volumes, and a limited number of Chiefs, overcome with objective training, standardization of checklists, and optimization of CCTV. Assessment and feedback face potential bias and personnel disagreement, overcome with counseling, training, mentoring, and disciplinary action.
Pengaruh Kesetaraan Gender, Transaksi Pihak Berelasi, dan Modal Intelektual Hijau Terhadap Manajemen Laba Mochammad Razel Putra Zalna; Christina Dwi Astuti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (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.v6i10.9351

Abstract

                 This study aims to examine the effect of gender equality, related party transactions, and green intellectual capital on earnings management. The sample used in this study is manufacturing companies listed on the Indonesia Stock Exchange (IDX) for 2021-2023, totaling 166 observations obtained using purposive sampling technique. This study uses multiple regression analysis methods using SPSS 29.0. The results of this study indicate that partially only gender equality has a negative effect on earnings management. Meanwhile, related party transactions and green intellectual capital have a positive effect on earnings management. The results of this study simultaneously show that gender equality, related party transactions and green intellectual capital have an influence on earnings management.
Pengaruh Struktur Modal, Keputusan Investasi, dan Struktur Kepemilikan Terhadap Nilai Perusahaan Chatrine Maria Isabrine; Sofie
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (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.v6i10.9355

Abstract

                This study aims to analyze the effect of capital structure, investment decisions, managerial ownership, and corporate ownership on firm value in the consumer non-cyclicals sector listed on the Indonesia Stock Exchange for the period 2020–2023. The research employs a quantitative method using secondary data and a purposive sampling technique involving 32 companies, resulting in 102 observations. The analysis was conducted using multiple linear regression with the assistance of SPSS 25. The results show that capital structure and investment decisions do not have a significant effect on firm value. On the other hand, managerial ownership and corporate ownership have a positive and significant effect. These findings highlight the importance of ownership structure in enhancing firm value, particularly in sectors that are fundamentally stable.

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