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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 Kepuasan Kerja dan Pembinaan Disiplin Terhadap Kinerja Pegawai ASN Pada Dinas X Kabupaten Bandung Barat Anisa Galih Tanzani; Mochamad Vrans Romi
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.v6i10.9777

Abstract

High employee performance has a positive impact on both the company and the organization. To improve employee performance, it is important to pay attention to job satisfaction experienced by employees and to consistently implement disciplinary guidance. Based on data on employee absenteeism, it was found that the absenteeism rate of civil servants (ASN) at Department X is relatively high, which is one of the factors affecting employee performance. This study aims to determine the effect of job satisfaction and disciplinary guidance on the performance of civil servants (ASN) at Department X in West Bandung Regency, both partially and simultaneously. The research method used is quantitative, with data collected through questionnaires. The data were analyzed using multiple regression analysis with the help of SPSS version 27.0. The study involved 48 respondents, consisting of 47 civil servants and 1 supervisor. The results show that job satisfaction has a positive effect on employee performance, and disciplinary guidance also has a positive effect on employee performance. Simultaneously, job satisfaction and disciplinary guidance significantly affect employee performance. It can be concluded that the higher the job satisfaction and disciplinary guidance, the better the performance of civil servants at Department X in West Bandung Regency.
Unlocking Global Opportunities for Creative Smes: The Case of CV. Aura Sufa’s Internationalization Journey Evi Suwarni; Baroroh Lestari; Ellyn Eka Wahyu; Ika Kusumasasti
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.v6i10.9802

Abstract

                This research aims to identify the internationalization strategies adopted by UMKM CV. Aura Sufa, a small enterprise focused on food production, in entering global markets. A qualitative approach was employed, utilizing interviews and documentation to gather data over seven months, from March to October 2024. The study shows that internationalization of small-medium enterprises (SMEs) is achievable through strategic partnerships, product diversification, and governmental support, particularly through initiatives such as Export Center Surabaya. CV. Aura Sufa successfully penetrated the Taiwanese market by leveraging unique fruit-based products, which demonstrate the potential for local businesses to thrive globally. Key challenges faced include production capacity limitations and language barriers. The findings highlight the importance of continuous innovation and networking in sustaining international market presence. This research offers valuable insights for both practitioners and policymakers to enhance the competitiveness and sustainability of SMEs, helping to align strategies with future market trends and government policies.    
Strategi Pemasaran Ekspor UMKM Furniture Berbasis Branding dan Diferensiasi Produk Kreatif: Analisis pada CV Delta Raya Evi Suwarni; Baroroh Lestari; Ellyn Eka Wahyu; Ika Kusumasasti; Fahmi Muhammad Az Zuhri6
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.v6i10.9803

Abstract

This study aims to analyze branding and product differentiation strategies in optimizing the export of creative economy-based furniture SMEs, with a case study on CV Delta Raya. In facing global competition, export-oriented furniture SMEs require marketing strategies that not only enhance competitiveness in international markets but also create unique values that represent the strength of the local creative economy. Strong branding helps build a positive company image in global markets, while product differentiation ensures competitive advantages that appeal to international consumers. This research employed a qualitative method with a case study approach on CV Delta Raya’s export-oriented furniture SMEs. Data were collected through in-depth interviews with the business owner, direct observation of marketing strategies, and document analysis related to branding, promotion, and product design. The findings indicate that CV Delta Raya has utilized creative economy-based branding through environmentally friendly product positioning, vintage designs with artistic value, and the use of the Timber Legality Verification System (SVLK) as an element of trust in international markets. Product differentiation strategies were implemented by emphasizing production quality, alignment with global design trends, and product customization according to buyer requirements. However, weaknesses remain in digital promotion and limited penetration into new markets beyond existing buyers. In conclusion, branding and product differentiation strategies based on the creative economy have proven effective in strengthening the global market position of furniture SMEs in Batu. To maximize their potential, digital branding enhancement, international market diversification, and collaboration with government and trade associations are recommended to facilitate global promotion.
Pengaruh Attractiveness Terhadap Buying Decision dengan Competitive Advantage Sebagai Variabel Moderasi dalam Perspektif Manajemen Bisnis Syariah Husni Ainurridho; Suhendar; Zathu Restie Utamie
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.v6i9.9813

Abstract

This study examines the effect of attractiveness on buying decisions with competitive advantage as a moderating variable in the context of sharia business management. The research was conducted on consumers of “Sahabat” beef kiosk in Pringsewu using a quantitative approach and SmartPLS analysis. The results show that attractiveness significantly influences buying decisions, and competitive advantage strengthens this effect. In sharia business, ethical attractiveness and trustworthy competitive advantage support purchase decisions with spiritual value.
Pengaruh Inovasi Produk dan Promosi melalui Strategi Konten Kreatif di Media Sosial terhadap Kinerja UMKM yang bersertifikasi Halal di kabupaten Bone Nur Hikmah; Ahmad Abdul Mutalib; Sitti Nikmah Marzuki
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.v6i9.9822

Abstract

This study aims to analyze the influence of product innovation and promotion through creative content strategies on social media on the performance of halal-certified Micro, Small, and Medium Enterprises (MSMEs) in Bone Regency. Product innovation and promotion are strategic factors that can enhance the competitiveness of MSMEs, particularly in the digital era where social media has become the primary marketing channel. The research employed a quantitative approach with an associative method and the Structural Equation Modeling-Partial Least Square (SEM-PLS) analysis technique. Primary data were collected through questionnaires distributed to 140 respondents using a purposive sampling technique. The research instrument utilized a 5-point Likert scale, which had passed validity and reliability testing. The results indicate that product innovation has no significant effect on creative content strategies on social media (t=0.453, p = 0.651) and MSME performance (t=0.265, p= 0.791). Conversely, promotion significantly affects creative content strategies on social media (t = 8.727, p0.000) and MSME performance (t = 2.106, p = 0.036). Creative content strategies on social media have a significant effect on MSME performance (t = 7.261, p = 0.000). Furthermore, creative content strategies significantly mediate the relationship between promotion and MSME performance (t = 5.197, p = 0.000), but do not mediate the relationship between product innovation and MSME performance (t = 0.449, p = 0.653). The implications of these findings suggest that promotion packaged through creative content strategies on social media plays an important role in enhancing the performance of halal-certified MSMEs. Meanwhile, product innovation needs to be supported by relevant marketing strategies to contribute effectively to performance. Therefore, business actors, the government, and other stakeholders should focus on improving digital marketing skills to maximize the potential of social media promotion.
Perlindungan Pelaku Usaha Terhadap Penggunaan Foto Produk Tanpa Izin di Marketplace Tokopedia Perspektif Fatwa MUI Nomor 24 Tahun 2017 Tentang Pedoman Bermuamalah di Media Sosial Zahra Zeta Donita; Annisa Sativa
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.v6i9.9829

Abstract

Product photos play a crucial role in today’s digital trade as they serve as a visualization of goods, function as a marketing strategy, and assist consumers in making purchasing decisions. However, due to the ease of access provided by the internet, many business actors face problems, one of which is the misuse of product photos by other parties without the owner’s consent, which may harm business actors and create unfair competition. This study aims to analyze the legal protection available to business actors against the unauthorized use of product photos on the Tokopedia marketplace and to examine this issue from the perspective of the Indonesian Ulema Council (MUI) Fatwa No. 24 of 2017 concerning Guidelines for Interaction in Social Media. The research employs a normative legal method with a conceptual approach and utilizes two types of data sources, namely primary and secondary. The findings indicate that product photos are creative works protected under the Copyright Law, and their unauthorized use constitutes a violation. Tokopedia has provided an intellectual property (IP) reporting mechanism and imposes sanctions on the unauthorized use of product photos. From the perspective of MUI Fatwa No. 24 of 2017, such actions are prohibited (haram) as they are considered misleading, deceitful, infringing upon intellectual property rights, and causing harm. The study concludes that the unauthorized use of product photos constitutes a violation of both positive law and Islamic law. Although legal protection for business actors is already available, greater dissemination of the MUI fatwa and consumer education are necessary to foster a fair and trustworthy digital marketplace.
Optimalisasi Pengelolaan Dana Zakat dalam Mendukung Program Pendidikan Beasiswa Cendekia BAZNAS Kota Tangerang Didi Suardi; Luthfiatun Nurul Lailah; Aisyah Defy R. Simatupang; Martavevi Azwar; Iti Septi; Shofiah Tidjani; Oom Komariyah
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.v6i9.9844

Abstract

This study aims to determine the optimization of zakat fund management in supporting the BAZNAS Tangerang City Cendekia Scholarship program. This study uses a qualitative method with a case study approach. The data used were obtained from interviews, observations, and documentation collected directly from BAZNAS Tangerang City. The results of this study indicate that the management of zakat funds through the BAZNAS Tangerang City Cendekia Scholarship education program has been running optimally. Optimization is carried out by distributing funds effectively, efficiently, on target, and long-term. The program is supported by internal and external factors. In addition, there are inhibiting factors in implementing the program but they are not very significant, so the management of funds in this program can be said to be quite optimal. The results of this study serve as a basis for BAZNAS and other zakat institutions to maintain and develop educational programs. Because the BAZNAS Tangerang City Cendekia Scholarship has succeeded in becoming an effective program in allocating zakat funds for education. This research is in line with the results of research conducted by Asep Kurniawan (2023) which explains that this scholarship program has been quite effective during its three-year run. The benchmarks for effectiveness are seen from the fluid adaptation of team solidarity, the quality of the programs implemented, the work achievements obtained, job satisfaction, and views from external parties.
The Role of The Community and Village Empowerment Service, Organizational Commitment and Community Supervision of The Accountability of Village Fund Allocation Management in Berau Regency with The Implementation of SISKEUDES as an Intervening Variable (Literature Study) Dede Suryadinata; Arif Jauhar Tantowi
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.v6i9.9875

Abstract

The management of Village Fund Allocation (ADK) in Berau Regency is a crucial concern as it relates to effective, transparent, and sustainable village development. The Village and Community Empowerment Agency (DPMK) acts as a facilitator and supervisor, while the organizational commitment of village officials and community oversight are determining factors in the accountability of ADK management. This research is important to examine the relationship between the role of DPMK, organizational commitment, and community oversight with the accountability of ADK management through the comprehensive implementation of SISKEUDES. The purpose of this study is to analyze in depth how the role of the Village Fund Management Agency (DPMK), organizational commitment, and community oversight influence the accountability of ADK management in Berau Regency, with the implementation of SISKEUDES as an intervening variable. This study employed a qualitative method with a literature review approach. Various sources, such as national journals, government reports, and previous research findings, were analyzed thematically. The literature review shows that the active role of the Village Fund Management Agency (DPMK) in training and mentoring improves village officials' understanding of the use of SISKEUDES. Strong organizational commitment encourages transparency in financial reporting, while community oversight has been shown to improve procedural compliance. This study concludes that the synergy of the roles of the Village Fund Management Agency (DPMK), organizational commitment, and community oversight significantly influences the accountability of ADK management in Berau Regency.
Islamic Business Ethics in Buying and Selling Transactions at Pabean Market, Sedati, Sidoarjo Ismatul Khayati; Muhammad Fakhri Allam Firdaus
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.v6i10.9979

Abstract

                Islamic business ethics is a fundamental foundation in shaping economic behavior that is in line with sharia values. This study aims to analyze the application of Islamic business ethics principles in buying and selling transactions at Pabean Market, Sedati, Sidoarjo. The market, initially designed as a tourist market offering Sidoarjo’s local products, has increasingly functioned as a traditional market serving the daily needs of the surrounding community. The research employed a qualitative descriptive approach with a case study design. Informants consisted of five traders and five buyers selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and analyzed using Miles and Huberman’s interactive model, which includes data reduction, data display, and conclusion drawing. Data validity was ensured through source triangulation and member checking. The findings indicate that the implementation of Islamic business ethics in Pabean Market is relatively satisfactory, particularly in the principles of equilibrium, free will, and responsibility. Traders generally sell their products honestly, do not coerce buyers, provide fair services, and are willing to replace defective goods. However, the principles of unity (tauhid) and benevolence (ihsan) have not been fully practiced. This is evident in the inconsistency of some traders in performing obligatory prayers on time and the limited application of benevolence, such as granting credit or showing additional kindness, which tends to be reserved for loyal customers. This study emphasizes the necessity of internalizing Islamic ethical values in every business activity, as they not only strengthen consumer trust and loyalty but also bring spiritual blessings to business actors. Thus, the implementation of Islamic business ethics supports business sustainability while also contributing positively to social welfare and the continuity of the local economy.
The Impact of Digital Literacy, Income, and Financial Literacy on Investment Choices with Financial Behavior as a Mediating Factor Among Healthcare Professionals in Berau Regency Lucky Kushardono; Muhammad Bayu; Muslimin Muslimin; Pandef Rudianto
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.v6i10.9992

Abstract

                In the digital age, healthcare professionals are required to possess not only healthcare competencies but also financial and digital literacy to support better financial management and investment decision-making. Unhealthy financial behaviors, such as excessive spending and minimal allocation of funds for investment, are major obstacles. Additionally, low skills in utilizing digital platforms increase the risk of becoming a victim of fraudulent investments. This research aims to address this phenomenon by studying healthcare workers in Berau Regency, using the Structural Equation Modeling (SEM) approach. The research findings indicate that financial literacy does not directly influence the financial behavior of healthcare workers. Conversely, digital literacy and income have a positive and significant influence on financial behavior. Research has proven that favorable financial behavior not only enhances investment decision-making ability but also significantly mediates the influence of digital literacy and income on investment decisions. Financial literacy also has a positive direct impact on investment decisions, but this influence is not mediated by financial behavior, while digital literacy does not have a direct impact on investment decisions. Revenue plays an important role in supporting optimal and sustainable investment decisions. This finding provides a basis for the government and the Berau District Health Office to design financial and digital literacy education programs. Furthermore, this study's findings offer valuable insights to healthcare professionals about managing income and making investments that promote long-term well-being.

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