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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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Influence Green Product, Green Price and Green Promotion Against Consumer Purchase Intention with Brand Awareness As Moderation on Commonsense Market Ni Putu Crosita Vitri Ardiani; Ida Ayu Iswari Pidada
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10841

Abstract

This study examines public awareness of environmental issues and the use of environmentally friendly products. Currently, companies selling environmentally friendly products still face challenges in attracting consumer purchasing interest. Therefore, this study aims to analyze the influence of Green Product, Green Price, and Green Promotion on Purchase Intention with Brand Awareness as a moderating variable in Commonsense Market consumers. This study uses a quantitative approach. Data collection was carried out by distributing online questionnaires to 170 Balinese people and the data obtained were analyzed using SEM-PLS. The results showed that Green Product, Green Price, and Green Promotion had a positive and significant effect on Purchase Intention, but Brand Awareness moderation produced mixed results with evidence that it strengthened the influence of Green Product on Purchase Intention, weakened the influence of Green Price on Purchase Intention, and theoretically was able to strengthen the influence of Green Promotion on Purchase Intention but was not statistically significant.
Pengaruh Persepsi Harga dan Kualitas Pelayanan Terhadap Keputusan Penggunaan Ulang Jasa Kontruksi PT Amel Indah Abadi dengan Kepuasan Pelanggan Sebagai Variabel Mediasi Dandi Suhendra; Aang Curatman; Jefry Romdonny
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10860

Abstract

The construction service industry plays an important role in economic development. Fierce competition requires companies to maintain prices, service quality, and customer satisfaction. PT. Amel Indah Abadi has experienced project fluctuations, so it is necessary to examine the factors that influence the reuse of its services.This study aims to analyze the effect of price perception and service quality on the decision to reuse construction services with customer satisfaction as a mediating variable. The approach used is quantitative with an explanatory research method. The sample consists of 61 customers of PT. Amel Indah Abadi selected using saturated sampling techniques. Data were collected through a five-point Likert scale questionnaire and analyzed using Partial Least Square (PLS) with the help of SmartPLS 3.0. The results showed that price perception had a positive and significant effect on customer satisfaction (path = 0.477; T = 4.050) and service quality also had a significant effect on customer satisfaction (path = 0.491; T = 4.212). In addition, price perception and service quality have a positive effect on the decision to reuse services (path = 0.387; T = 3.631 and path = 0.305; T = 2.931). Customer satisfaction has a significant effect on the decision to reuse services (path = 0.294; T = 2.726) and significantly mediates the relationship between price perception and service quality on the decision to reuse services (path = 0.140; T = 2.153 and path = 0.144; T = 2.209). The study concluded that reasonable prices and quality service increase satisfaction and encourage repeat use of services. Competitive pricing strategies and service improvements are key to building customer loyalty in the construction sector.
Peran Literasi dan Inklusi Keuangan Syariah dalam Meningkatkan Kinerja UMKM di Kabupaten Kuningan Rifqi Muthoharul Janan; Abdul Rosyid; Ayus Ahmad Yusuf; Dewi fatmasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10863

Abstract

This study aims to analyze the role of Islamic financial literacy and Islamic financial inclusion in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in Kuningan Regency. The research employs a descriptive qualitative approach, focusing on the understanding, experiences, and practices of MSME actors in accessing and utilizing Islamic financial services. Data were collected through in-depth interviews, observations, and documentation involving MSME actors, Islamic financial institutions, and related stakeholders. The findings indicate that Islamic financial literacy plays a crucial role in shaping MSME actors’ understanding of Sharia-based transaction principles, thereby encouraging business decision-making that aligns more closely with values of justice and sustainability. Islamic financial inclusion also makes a tangible contribution through easier access to financing, savings products, and other Islamic financial services that support improved business performance. Nevertheless, several challenges remain, including limited understanding, insufficient socialization, and unequal access to Islamic financial services. This study concludes that strengthening Islamic financial literacy and expanding Islamic financial inclusion are strategic factors in enhancing MSME performance in Kuningan Regency. Therefore, synergy among local governments, Islamic financial institutions, and MSME actors is required to promote the development of competitive MSMEs grounded in Sharia principles.
Pengaruh Modernisasi Administrasi Perpajakan, Sanksi Perpajakan, Trasparansi dan Kepercayaan Wajib Pajak Terhadap Kepatuhan Wajib Pajak Abdul Hafizd; Mujiyati Mujiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10889

Abstract

This study aims to analyze the influence of tax administration modernization, tax sanctions, tax transparency, and taxpayer trust on individual taxpayer compliance registered at the Pratama Tax Office (KPP Pratama) Surakarta. The study employs a quantitative approach. The population consists of 60,573 individual taxpayers registered at KPP Pratama Surakarta. Using the Slovin formula, a sample of 100 individual taxpayers was selected. Data were collected through Google Forms and printed questionnaires and measured using a Likert scale. The research involves several analytical procedures, including descriptive statistical analysis, validity testing, reliability testing, multiple linear regression analysis, normality testing, multicollinearity testing, heteroscedasticity testing, the F-test, the t-test, and the coefficient of determination. All analyses were conducted using SPSS version 25. The findings indicate that tax administration modernization, tax sanctions, tax transparency, and taxpayer trust simultaneously have a significant influence on taxpayer compliance. However, the t-test results show that tax administration modernization and tax sanctions do not have a significant partial effect on taxpayer compliance. In contrast, tax transparency and taxpayer trust are proven to have a significant partial effect on individual taxpayer compliance at KPP Pratama Surakarta
Selection of Best Investment Alternatives on Vacant Land In Tanjungsari Area, Surabaya Using Highest and Best Use Analysis Ofel Simon; Ervina Ahyudanari; Aditya Sutantio
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10923

Abstract

Aims: This study was aimed to evaluates land-use alternatives using the Highest and Best Use (HBU) analysis, the Analytic Hierarchy Process (AHP), and utility theory as the basis for decision-making. Methodology and results: The findings indicate that Alternative 3, comprising a mixed-use composition of apartments (30%), offices (20%), hotels (15%), shophouses (15%), and SOHO units (20%), is the most suitable option. This alternative achieves a balance between the highest economic productivity (Rp 38,912,373.62/m²) and Sustainability (score of 2.89). The sustainability assessment covers three main dimensions: environmental, reflected in the reduction of approximately 12.5% carbon emissions and the allocation of 10% of land area to green open space (RTH); social, shown through improved accessibility, local employment opportunities, and public comfort; and economic, demonstrated by the enhancement of property value and long-term financial feasibility. From the physical aspect, attention should be given to soil type and drainage conditions on the site. Regulatory risks, initially categorized as high, can be minimized to a low level through the fulfilment of technical documentation and intensive coordination with relevant agencies (DPM PTSP, DLH, Department of Transportation, and others). Sensitivity analysis further identifies occupancy rates as the key determinant of financial success. Conclusion, significance and impact study: From the results of this study, it can be concluded that the best alternative is alternative 3 due to its high sustainability value. Not only alternative 3, but alternative 5 can also be considered due to its high sustainability value.
Dampak Pelatihan terhadap Kompetensi Pekerja Blue Collar Perempuan: dengan Motivasi sebagai Mediasi Pelangi Laila Santoso; Kusni Ingsih; Hertiana Ikasari; Tito Aditya Perdana
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10928

Abstract

Job training is an important intervention to improve the competence of blue-collar women workers amid the barriers posed by patriarchal norms and domestic workloads. This study aims to test the influence of job training on worker competence by making work motivation as a mediating variable. The subject of the study was blue-collar female workers who participated in a training program organized by the Central Java Provincial Women's Empowerment Office, with a total of 165 respondents who were selected using purposive sampling techniques. The research was quantitative and analyzed the data using the Partial Least Squares (PLS) method through SmartPLS software. The findings of the study revealed that job training has a positive and significant effect on worker competence, both directly and indirectly through the mediation of work motivation. This proves that the training designed effectively increases work motivation, which in turn significantly strengthens the knowledge, skills, and work attitudes of blue-collar female workers.
Pengaruh E-service Quality dan Online Customer Review Terhadap Customer Loyalty Generasi Z Berusia 18 - 28 Tahun: Studi Kasus pada Pengguna Marketplace Tokopedia Kota Bandung Rahmat Ardi Yansa Jamlean; Aditya Yudanegara
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10945

Abstract

This study is motivated by the increasing use of digital services and the changing consumer behavior, particularly of Generation Z, in utilizing marketplace platforms such as Tokopedia. The integration of services between Tokopedia and TikTok Shop in 2024 has further altered users’ expectations regarding digital service quality and the credibility of online reviews in the decision-making process. This study aims to analyze the effect of E-Service Quality (X1) and Online Customer Review (X2) on Customer Loyalty (Y) among Tokopedia users aged 18 – 28 years. The research employs a descriptive - verificative method with a quantitative approach. A total of 385 respondents were selected using purposive sampling. Data analysis was conducted using SPSS version 31, including validity and reliability tests, descriptive analysis, verificative analysis, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination (R²). The results indicate that E-Service Quality (X1) has a significant effect on Customer Loyalty, with t count = 8.085 > t table = 1.966 and Sig < 0.001. Online Customer Review (X2) also significantly influences Customer Loyalty, with t count = 27.161 > t table = 1.966 and Sig < 0.001. The simultaneous test shows that both variables significantly affect Customer Loyalty, with F count = 1079.233 > F table = 3.02 and Sig < 0.001. Additionally, the R² value of 0.850 indicates that 85% of the variation in Customer Loyalty can be explained by E-Service Quality (X1) and Online Customer Review (X2). Overall, this study concludes that digital service quality and online customer reviews play a crucial role in shaping Tokopedia users’ loyalty, particularly among Generation Z, who heavily rely on digital experiences and social validation before making a purchase. These findings provide managerial implications, suggesting that improving digital service quality and managing credible customer reviews can be an effective strategy to maintain consumer loyalty.  
Analisis Pengaruh Faktor Fundamental dan Makroekonomi terhadap Harga Saham Subsektor Makanan dan Minuman yang terdaftar di Bursa Efek Indonesia periode tahun 2020-2024 dengan Inflasi sebagai Variabel Moderasi Dina Destia Laila Safitri; Pradana Jati Kusuma
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10989

Abstract

This study examines the effect of fundamental factors (ROA, DER, CR, PBV, EPS) and macroeconomic factors (exchange rates, interest rates) on stock prices of food and beverage companies listed on the Indonesia Stock Exchange during 2020–2024, with inflation as a moderating variable. Using a quantitative approach and secondary data from financial statements and macroeconomic sources, the sample comprises 20 companies (100 observations). Results show that EPS and PBV have a positive and significant effect on stock prices, while ROA, DER, CR, exchange rates, and interest rates are not significant. Inflation moderates the relationship between ROA and PBV with stock prices, but not for other variables. The findings indicate that profitability and market valuation are the main factors considered by investors, while inflation plays a selective role.
Dampak Social Media Marketing, Influencer Marketing, dan Live Streaming Shopping Terhadap Keputusan Pembelian Cetaphil pada Tiktok Shop Nazwa Ayu Khairani; Amron Amron
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.10991

Abstract

The research aims to examine how Social Media Marketing, Influencer Marketing, and Live Streaming Shoppings on consumers’ purchasings decision regarding Cetaphil product on TikTok Shop platform. The sampling technique employed was purposive sampling, targeting respondents who actively use TikTok, have been exposed to promotional content for Cetaphil products, and have prior experience purchasing through TikTok Shop. This data collected using questionnaires, also the analysis is conducted with SmartPLS 4.0 utilizing Partials Least Squares Structural Equations Modeling (PLS-SEM) method. The result indicate the Social Media Marketing, Influencer Marketing, and Live Streaming Shopping exert a positive and significant effect on purchasing decisions. These finding suggest thats marketing efforts delivered through creative social media content, the involvement of highly credible influencers, and real-time interaction facilitated by live streaming effectively encourage consumers to purchase Cetaphil products on TikTok Shop. Consequently, the integration of social media marketing, influencer marketing, and live streaming strategies is considered increasingly effective in enhancing consumer purchasing decision for Cetaphil products onTikTok Shop platform.
Pengaruh Stres Kerja, Dukungan Sosial dan Kepuasan Kerja Terhadap Produktivitas Kerja Generasi Z di Surakarta Izzuddin Iqbal Kurniawan; Ahmad Mardalis
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): 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.v7i1.11082

Abstract

This study seeks to examine the determinants that trigger or underlie the emergence of work productivity among Generation Z employees in Surakarta by evaluating the roles of job stress, social support, and job satisfaction. The research employs a quantitative approach based on a positivistic paradigm, involving 55 Generation Z employees selected through purposive sampling. Primary data collection was executed via a closed-ended questionnaire using a five-point Likert scale to quantify the variables of job stress, social support, job satisfaction, and work productivity. The instrument’s quality was verified through validity testing, with r-calculated exceeding r-table, and reliability testing using Cronbach’s Alpha with values above 0.60. The data evaluation process in this study implements multiple linear regression techniques, with hypothesis testing conducted through F-tests and t-tests at a 5% significance level. Empirical findings confirm that job stress does not have a meaningful impact on productivity (p = 0.230). Conversely, social support is proven to provide a significant positive contribution (p = 0.036), while job satisfaction emerges as the primary and most potent determinant in driving the productivity of Generation Z employees (p = 0.001). Collectively, this model possesses a predictive power of 59.9%, while the remaining 40.1% of productivity variability is explained by other variables not observed in this research.

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