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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 1,782 Documents
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Kontrol Diri Memoderasi Pengaruh Fasilitas E-Wallet dan Gaya Hidup Terhadap Perilaku Konsumtif Gen Z Alvianingrum, Silvi; Putu Mahyuni, Luh
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11137

Abstract

Broad access to the internet, social media, and digital financial services has made e-wallets and paylater increasingly embedded in everyday life. Transaction convenience and aggressive promotions drive consumptive behavior, especially among Gen Z, while previous studies on the influence of e-wallet usage and lifestyle on consumptive behavior have shown inconsistent findings. This study aims to analyze the effect of e-wallet usage and lifestyle on the consumptive behavior of Generation Z, with self-control as a moderating variable. The research method employed is a quantitative approach using surveys and SEM analysis on Gen Z respondents.The findings are expected to provide a comprehensive understanding of the role of digital financial technology and psychological factors in shaping young people’s consumption behavior. Furthermore, this study can serve as input for digital service providers and policymakers to encourage healthier and more sustainable consumption behavior.
Pengaruh Motivasi, Kompetensi dan Disiplin Kerja Terhadap Kinerja Karyawan PT. Jomonal Negelem Negel Papua Rahmatika, Kharin; Widarta, Widarta
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11155

Abstract

This study aims to analyze the effect of work motivation, work competence, and work discipline on employee performance at PT. Jomonal Negelem Negel Papua, both partially and simultaneously. This research employs a quantitative approach using a survey method. The population consists of all employees of PT. Jomonal Negelem Negel Papua totaling 105 employees, with a sample of 84 respondents determined using the Slovin formula and simple random sampling technique. Data were collected through questionnaires using a Likert scale. The data analysis techniques include validity test, reliability test, classical assumption test, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²), processed using SPSS software. The results indicate that work motivation, work competence, and work discipline partially have a positive and significant effect on employee performance. Simultaneously, work motivation, work competence, and work discipline also have a significant effect on employee performance at PT. Jomonal Negelem Negel Papua. These findings suggest that employee performance can be improved by strengthening work motivation, enhancing work competence, and consistently implementing work discipline. This study is expected to contribute to the development of human resource management and provide practical input for company management in improving employee performance.
Pengaruh Keterlambatan Reward Finansial Terhadap Motivasi Kerja, Loyalitas, dan Retensi Talenta pada Perusahaan Teknologi Informasi: Studi Kasus PT Ihsan Solusi Informatika Nurdin, Farid; Sakti, Intan Widuri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11160

Abstract

This study aims to analyze the effect of delayed financial rewards on work motivation, employee loyalty, and talent retention in an information technology company. The study was conducted at PT Ihsan Solusi Informatika using a quantitative approach through an employee survey. Data were analyzed using descriptive and inferential statistics to test causal relationships between variables. The results show that delayed financial rewards have a negative and significant effect on work motivation, employee loyalty, and talent retention. These findings emphasize the importance of timely compensation payments as a crucial factor in human resource management in the information technology industry. This study provides practical implications for management in designing fair and sustainable compensation policies.
Mengukur Peran Job Resources (Supervisor Support, Role Clarity) Sebagai Peredam Dampak Negatif Workload dan Time Pressure Terhadap Employee Perfoemance: Studi pada Bank Rakyat Indonesia Cabang Bangkalan Gusthomi, Muchammad; Sridadi, Ahmad Rizki
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11163

Abstract

This study aims to measure the role of job resources, specifically supervisor support and role clarity, in mitigating the negative impact of workload and time pressure on employee performance at Bank Rakyat Indonesia (BRI) Bangkalan branch. In the face of increasing job demands, heavy workloads and time pressure often hinder optimal performance. Therefore, it is important to understand how job resources can serve as mitigating factors to reduce these negative impacts. This research adopts a quantitative approach with a survey design involving employees of BRI Bangkalan as respondents. Data were collected through questionnaires measuring the variables of workload, time pressure, supervisor support, role clarity, and employee performance. Data analysis was conducted using Structural Equation Modeling (SEM) to test the relationships among the variables. The findings of this study are expected to provide deeper insights into the role of supervisor support and role clarity in enhancing employee performance and offer practical recommendations for BRI management to create a more supportive work environment for employees. This research is also expected to contribute to the development of human resource management theory, particularly in the banking sector.
Pengaruh Kepemimpinan Transformasional dan Motivasi Kerja Terhadap Organizational Citizenship Behaviour (OCB) Melalui Komitmen Organisasional Sebagai Mediator Terhadap Pegawai Kantor Perwakilan Bank Indonesia Cirebon Akmad, Agus Umar; Hartono, Edy; Siddiq, Dedi Muhammad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11164

Abstract

OCB emerges as a response to positive reciprocal relationships between individuals and organizations. When employees feel treated fairly, appreciated, and supported, they tend to contribute more than formally expected. The formation of OCB is influenced by several factors, such as leadership style, work motivation, and organizational commitment. This research used quantitative explanatory research. The population was all employees of the Cirebon BI Representative Office, and the sample size was 100 employees. Data collection techniques included both in-person and online methods using the Google Forms platform. Data analysis used the SEM-PLS method with SmartPLS (Partial Least Square) software. The results of this study 1) Transformational leadership has a positive and significant effect on the OCB of KPw BI Cirebon employees. 2) Work motivation does not affect the OCB of KPw BI Cirebon employees. 3) Transformational leadership has a positive and significant effect on the organizational commitment of KPw BI Cirebon employees. 4) Work motivation has a positive and significant effect on the organizational commitment of KPw BI Cirebon employees. 5) Organizational commitment has a positive and significant effect on the OCB of KPw BI Cirebon employees. 6) Organizational commitment has a positive and significant effect on the OCB of KPw BI Cirebon employees. 7) Organizational commitment is able to mediate the influence of work motivation on the OCB of KPw BI Cirebon employees.
Pengaruh Kompensasi dan Budaya Organisasi Terhadap Kinerja Karyawan di PT. Trimitra Sejati Jaya Oliviaputie, Timara; Rizki Sridadi, Ahmad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11184

Abstract

This study aims to determine the influence of influencer marketing and social media advertisment on electronic word of mouth and customer trust, as well as the mediating role of electronic word of mouth on the influence of influencer marketing and social media advertisment on customer trust. The location of this study is in Denpasar City, Bali Province and the sample used is 150 respondents. The data analysis technique was carried out using SmartPLS 4. The results of the study show that influencer marketing has a positive and significant effect on customer trust, social media advertisment has a positive and significant effect on customer trust, influencer marketing has a positive and significant effect on electronic word of mouth, social media advertisment has a positive and significant effect on Regarding the electronic word of mouth, the electronic word of mouth has a positive and significant effect on customer trust, the role of electronic word of mouth as a mediating variable in the relationship between influencer marketing has a positive and significant influence on customer trust and the role of electronic word of mouth as a mediating variable in the relationship between Social media advertisment has a positive and significant influence on customer trust. The suggestion that can be given by the researcher is that the management of Skintific is expected to make more innovations in the product, so that later it can provide quality products, always provide direction to influencers in recommending products to consumers in order to provide accurate and reliable information, Make more interesting ads, as well as make more ads that contain product benefits, as well as testimonials from consumers who have used and are more active in promoting on social media.
Pengaruh Motivasi dan Penempatan kerja terhadap Kinerja Guru Supriadi, Yusup; Yudanegara, Aditya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11193

Abstract

Teacher performance in an educational institution is the result of the quality, quantity, responsibility, cooperation, and initiative achieved by teachers in carrying out their duties in accordance with the responsibilities given to them. Teacher performance does not always meet expectations or desires; it fluctuates. Motivation and job placement are some of the factors that influence performance. The purpose of this study was to determine the effect of motivation and job placement on teacher performance. The research method used was descriptive verification. The unit of analysis was ASN teachers at SMK Negeri 1 Sukalarang, Sukabumi Regency. The sample was determined using a sampling technique.non-probabilitySampling with saturated sampling (census). Data collection was carried out using questionnaires and through observation. Statistical tests in this study used correlation and regression analysis. The results of the partial t-test showed that motivation had no significant effect on teacher performance, while the job placement variable had a positive and significant effect on teacher performance partially. The results of the f-test showed that both variables (motivation and job placement) simultaneously influenced teacher performance. This indicates that teacher performance will be more optimal if supported by good work motivation and job placement that is in accordance with teacher competencies.
Pengaruh VUCA (Volatility, Uncertainty, Complexity, Ambiguity) dan Transformasi Digital Terhadap Efektivitas Organisasi (Studi Pada Staf PT Nyalindung) Oktaviani, Rezza; Suratman, Maman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11194

Abstract

This study aims to examine the impact of VUCA (Volatility, Uncertainty, Complexity, and Ambiguity) and Digital Transformation on Organizational Effectiveness at PT Nyalindung. This research employs a quantitative method with a total sample of 60 permanent employees selected using a census sampling technique. Data were collected through literature study, interviews, and questionnaires. The data were analyzed using multiple linear regression analysis with the assistance of SPSS statistical software. The results of the study show that the level of VUCA at PT Nyalindung is categorized as moderately high, Digital Transformation is categorized as high, while Organizational Effectiveness is categorized as poor. The partial test results indicate that VUCA has a negative and significant effect on Organizational Effectiveness. Meanwhile, Digital Transformation has a positive and significant effect on Organizational Effectiveness. Furthermore, the simultaneous test results reveal that VUCA and Digital Transformation together have a significant influence on Organizational Effectiveness. These findings imply that increasing levels of VUCA tend to reduce organizational effectiveness, whereas well-implemented digital transformation contributes positively to enhancing organizational effectiveness
Identifikasi dan Pemetaan Aspek Internal Berdampak Sistemik Terhadap Kinerja Pegawai Industri Perbankan di Indonesia Menggunakan Fuzzy Delphi dan Fuzzy Dematel Kristiyanto, Sigit; Sulistiawan, Jovi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11196

Abstract

Employee performance is a fundamental pillar of sustainability and competitiveness in the banking industry. However, empirical studies are still largely dominated by partial and linear approaches that view performance as the outcome of isolated individual variables. In fact, within the complex and highly regulated banking organizational context, employee performance represents a systemic output shaped by dynamic interactions among internal organizational aspects. This study aims to identify and map internal aspects that systemically influence employee performance in the Indonesian banking industry, as well as to determine strategic aspects that function as key driving, linkage, and dependent factors within the causal structure of performance. This research adopts an exploratory approach by integrating the Fuzzy Delphi Method and Fuzzy DEMATEL. The Fuzzy Delphi Method is employed to validate performance aspects and criteria based on expert consensus involving banking practitioners, regulators, and academics. Subsequently, Fuzzy DEMATEL is applied to map causal relationships and influence structures among the relevant aspects and criteria. The Fuzzy Delphi results indicate that, out of six initial internal aspects and 31 criteria, only four aspects and ten criteria demonstrate structural relevance to the employee performance system, namely internal economic aspects, work culture, managerial aspects, and socio-psychological aspects. Meanwhile, individual and work environment aspects are eliminated due to the lack of expert consensus. The Fuzzy DEMATEL analysis reveals that economic and managerial aspects act as the main driving factors, while socio-psychological aspects function as linkage factors that mediate structural influences on employee performance. Work culture is positioned as a dependent factor, indicating that it is the most affected aspect within the system.. These findings emphasize that improving employee performance in the banking sector is ineffective when pursued through purely individual-level interventions. Instead, performance enhancement should focus on strengthening internal aspects with high systemic leverage. This study contributes conceptually by modeling employee performance as a systemic phenomenon and practically by providing a basis for prioritizing managerial policies and interventions grounded in the identified causal structure.
Prediksi Financial Distress Model Ohlson’s: Peran Strategis Good Corporate Governance Pradiska, Rieka Ayu; Sari, Shinta Permata
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (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.v7i2.11230

Abstract

Financial distress is a company condition that reflects financial difficulties in a state of crisis before bankruptcy occurs. This study aims to analyze the effect of institutional ownership, managerial ownership, foreign ownership, independent commissioners, and gender diversity on the board on financial distress in basic materials sector companies listed on the Indonesia Stock Exchange for the period 2022-2024. The sampling technique used is purposive sampling with a sample size of 47 companies. Data are obtained from secondary data in the form of annual reports and data analysis use binary logistic regression. The results of this study indicate that institutional ownership and managerial ownership have an effect on financial distress. Meanwhile, foreign ownership, independent commissioners, and board gender diversity have no effect on financial distress.

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