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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 1,782 Documents
 175   176   177   178   179 
Pengaruh electronic-Word of Mouth (e-WOM) dan Content Marketing Terhadap Impulse Buying Mahasiswa Uniga Pada Produk Jiniso di TikTokshop Hilman, Rismanto; Mira, Maharani; Yani, Mulyani; Siti, Sarah; Eva, Padillah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11635

Abstract

This study aims to examine the influence of electronic word of mouth (e-WOM) and content marketing on impulse buying behavior of Jiniso products among Universitas Garut students who use TikTok Shop. The rapid growth of social commerce has encouraged consumers, particularly Generation Z, to rely on online reviews and engaging digital content, which may trigger unplanned purchasing decisions. This research adopts a quantitative approach by collecting primary data through questionnaires distributed to students who have made purchases on TikTok Shop. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test the relationships among variables. The results indicate that both e-WOM and content marketing have a positive and significant effect on impulse buying. e-WOM shows a stronger influence, suggesting that online reviews, recommendations, and shared experiences play a crucial role in shaping consumer trust and emotional responses that lead to spontaneous purchases. Meanwhile, attractive, informative, and relevant marketing content also significantly stimulates consumers’ interest and purchasing impulses. These findings imply that businesses, especially fashion brands on social commerce platforms, should optimize user-generated reviews and develop creative content strategies to enhance consumer engagement and increase impulsive purchase behavior.
Pengaruh Customer Experience dan Brand Image terhadap Word of Mouth Marketing di Ahass Sumber Rejeki Baru Kenjeran Surabaya Al Ghifari R.M., Herdito; Herawati, Andry; Asnawi, Anita
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11641

Abstract

The increasing population of motor vehicles in Indonesia compels after-sales service providers to improve marketing tactics based on recommendations to maintain market share. This study aims to analyze and explain the significance of the influence of customer experience and brand image on the effectiveness of Word of Mouth (WOM) marketing among customers of the AHASS Sumber Rejeki Baru Kenjeran workshop in Surabaya. Employing a quantitative approach, data were collected via electronic questionnaires from 160 respondents selected using the Slovin formula. Instrument testing (validity and reliability), multiple linear regression analysis to test hypotheses partially (t-test) and concurrently (F-test), and traditional assumption tests (normality, linearity, heteroscedasticity, and multicollinearity) were among the data analysis techniques used. This study finds the regression equation Y = 0.121 + 0.463X₁ + 0.507X₂ reveal that both customer experience and brand image have a favorable and noteworthy impact on WOM. Empirical findings indicate that brand image is the variable that dominates in triggering customer recommendation behavior, supported by a high coefficient of determination (R-squared) of 83.9%. This study concludes that strengthening the synergy between satisfying service experiences and a robust institutional image is key to expanding customer-based promotional reach within the automotive sector.
Pengaruh Live Streaming Penjualan, Content Marketing, dan Customer Reviews Terhadap Keputusan Pembelian Pada UMKM Makanan Ringan Cemilanki di Kabupaten Wonosobo Irfan Romadhon; Murry Harmawan Saputra; Dedi Runanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11654

Abstract

The numerous conveniences offered by e-commerce platforms provide added value for consumers, as they can easily compare prices, product features, and brand reputation within seconds. This condition makes purchase decisions no longer based solely on needs, but also on experience, emotional value, and perceptions formed through digital interactions. An individual’s purchase decision can be influenced by various factors, including sales live streaming, content marketing, and customer reviews. The purpose of this study is to examine the effect of live streaming, content marketing, and customer reviews on purchase decisions at the Cemilanki snack MSME in Wonosobo Regency. The population in this study consists of individuals who have made purchases from the Cemilanki snack MSME through e-commerce platforms such as Shopee, TikTok Shop, or Tokopedia. The sampling technique used was purposive sampling. The total sample consisted of 150 respondents. Data were collected using a questionnaire that had been tested for validity and reliability. Data analysis was conducted using multiple linear regression analysis. The results of the study indicate that sales live streaming has a positive and significant effect on purchase decisions, content marketing has a positive and significant effect on purchase decisions, and customer reviews have a positive and significant effect on purchase decisions at the Cemilanki snack MSME in Wonosobo Regency.
Pengaruh Manajemen Rantai Pasokan Terhadap Kinerja UMKM dengan Keunggulan Kompetitif Sebagai Variabel Mediasi Nazilaturrohmah, Novita; Wijayanti, Wijayanti; Ishak, Ishak
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11676

Abstract

The rapid economic development in Indonesia has intensified competition within the MSME sector. Traditional retail MSMEs in Kutoarjo District face various challenges, including the limited implementation of supply chain management and difficulties in competing with modern retail businesses that operate with integrated business systems. One strategy that can be implemented to improve MSME performance is through effective supply chain management and the development of sustainable competitive advantage. This study aims to examine the mediating role of competitive advantage in the relationship between supply chain management and the performance of traditional retail MSMEs in Kutoarjo District. The population of this study consisted of all retail MSME owners in Kutoarjo District. The sampling technique used was purposive sampling, with a total sample of 100 respondents. This research employed a survey design, and data were collected through questionnaires using a Likert scale. Data analysis was conducted using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with SmartPLS software. The results of this study indicate that: (1) supply chain management has a positive effect on MSME performance; (2) supply chain management has a positive effect on competitive advantage; (3) competitive advantage has a positive effect on MSME performance; and (4) competitive advantage mediates the effect of supply chain management on MSME performance in traditional retail MSMEs in Kutoarjo District.
Hubungan Self-Disclosure dengan Kesepian pada Perempuan Dewasa Awal dalam Konseling berbasis ChatGPT Nurhidayah, Silviana; Tri Putri, Sofia; Ghozali, Ghozali
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11682

Abstract

This study aims to examine the relationship between Self-Disclosure and loneliness in early adult women in ChatGPT-based counseling. The quantitative approach used the Spearman correlation technique through the SPSS 27.0 for Windows program to determine the relationship between variables. The subjects in this study were 200 early adult female respondents aged 18-25 years. The instruments in the study were the self-disclosure scale and the loneliness scale of the UCLA Loneliness Scale Version 3. The correlation coefficient result of 0.374 (r = 0.374) indicates a sufficient and positive correlation level. Based on these results, the hypothesis is accepted and it is concluded that there is a relationship between self-disclosure and loneliness in early adult women in ChatGPT-based counseling.
Determinan Perilaku Impulsive Buying pada Mahasiswa Penerima Kip-K dalam Perspektif Ekonomi Syariah Hidayatulloh, Rahmat; Indriyani Achmad, Listian; Mamun, Sukron; Achmad, Yudianto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11683

Abstract

This study aims to examine the effect of Living Cost Assistance and Peer Conformity on Impulsive Buying behavior among KIP-K scholarship recipients in the Sharia Economics Study Program at Universitas Pelita Bangsa, within the perspective of Islamic economics. This research employed a quantitative approach using a survey method through questionnaires distributed to 65 respondents selected using the Slovin formula. Data were analyzed using multiple linear regression with SPSS. The results indicate that Living Cost Assistance has a positive and significant effect on Impulsive Buying (t = 3.031; p = 0.004), and Peer Conformity also has a positive and significant effect (t = 13.699; p = 0.000). Simultaneously, both variables significantly influence Impulsive Buying (F = 111.631; p = 0.000), with a coefficient of determination (R²) of 0.783. From the perspective of Islamic economics, these findings suggest that financial availability and social pressure may encourage consumption beyond essential needs if not accompanied by self-control and prudent financial management. Therefore, strengthening financial literacy based on the principles of tawazun (balance), qana’ah (contentment), and mas’uliyah (responsibility) is essential in managing living cost assistance.
Pengaruh Fitur Cashback dan Promo Shopeepay Terhadap Pengelolaan Keuangan Mahasiswa Akuntansi Universitas Buana Perjuangan Karawang Angkatan 2022 Augustine, Amanda; Suherman, Ujang; Nadeak, Thomas
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11684

Abstract

The purpose of this study is to determine the effects of ShopeePay's cashback and promo features on the financial management of UBP Karawang Accounting students in the class of 2022, both partially and simultaneously, in the context of digital wallets. Using a descriptive-verification quantitative approach with a sample of 122 students (purposive sampling) and multiple linear regression, the results confirm that cashback has a positive and significant partial effect, as do ShopeePay promotions. Simultaneously, both are significant with F hit. 469.025 > F tab 3.071 and R² 0.887, meaning that 88.7% of the variation in financial management can be explained by these two variables. These findings conclude that students' financial management is significantly influenced by the intensity of cashback and ShopeePay promo utilization, so that these digital incentives not only trigger consumption but are also related to how students manage and control their personal finances. This study contributes to the development of personal financial management and behavioral finance literature in the context of digital wallets and serves as a basis for designing digital financial literacy programs in higher education institutions to guide the wiser use of digital incentives.
Pengaruh Penggunaan Uang Tunai dan Transaksi Non-Tunai Terhadap Tingkat Konsumtif Mahasiswa Fakultas Hukum Universitas Buana Perjuangan Karawang Angkatan 2022 Hanuni Hapi, Najwa; Suherman, Ujang; Nadeak, Thomas
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11693

Abstract

The purpose of this study is to examine the effects of cash usage and non-cash transactions on students’ consumptive behavior, both partially and simultaneously. This study employed a quantitative approach involving 102 students from the Faculty of Law at Universitas Buana Perjuangan Karawang, Class of 2022. The results of multiple linear regression analysis indicate that cash usage does not have a statistically significant partial effect on students’ consumptive behavior, whereas non-cash transactions have a positive and statistically significant effect. Simultaneously, cash usage and non-cash transactions significantly influence students’ consumptive behavior. The coefficient of determination (R²) of 0.859 indicates that 85.9% of the variation in consumptive behavior is explained by the two independent variables, with non-cash transactions emerging as the dominant factor driving increased consumptive behavior. This study strengthens empirical evidence on the cashless effect in students’ financial behavior and provides strategic implications for enhancing financial literacy and personal financial management amid the increasing adoption of digital payment systems.
Pengaruh Gaya Kepemimpinan dan Komunikasi Interpersonal Terhadap Kepuasan Kerja di PT URC Indonesia Ratu Alta, Salsabila; Nandang, Nandang; Madya Pranata, Rengga
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11697

Abstract

This study aims to examine how leadership approaches and patterns of interpersonal communication influence employee job satisfaction at PT URC Indonesia, both separately and jointly. Primary data were gathered from 222 employees through structured questionnaires utilizing a seven-point Semantic Differential Scale (1 = Strongly Disagree to 7 = Strongly Agree). The data were analyzed using multiple linear regression. The measurement instruments met validity and reliability standards, indicated by item correlation values exceeding the critical r value and Cronbach’s Alpha coefficients above 0.80 for all variables. Partial testing (t-test) indicates that leadership style and interpersonal communication each have a positive and statistically significant effect on job satisfaction. Simultaneous testing (F-test) further confirms that both variables collectively exert a significant impact, as shown by an F-value of 122.488, exceeding the F-table value of 3.04, with a significance level of 0.000. The coefficient of determination (R²) of 0.528 indicates that 52.8% of the variance in employee job satisfaction can be attributed to leadership style and interpersonal communication. These findings substantiate the argument that effective leadership conduct and constructive interpersonal communication constitute critical determinants of employee satisfaction within PT URC Indonesia. Accordingly, reinforcing leadership effectiveness and communication quality may serve as a strategic foundation for human resource management policies aimed at sustaining and enhancing employee job satisfaction, particularly within multinational corporate environments.
Social Media Engagament sebagai sarana Literasi Hybrid Banking Syariah Pada Generasi Milenial Ulya Unsta Stania; Hajar Mukaromah; M. Nurul Fahmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (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.v7i4.11698

Abstract

This study aims to analyze social media engagement as a means of Islamic hybrid banking literacy among the millennial generation. The background of this study is based on the rapid digitalization of Islamic banking which encourages the implementation of the hybrid banking model as an integration of digital and physical services. Although the millennial generation is known as a group that actively uses social media, the level of literacy regarding the concept and mechanisms of Islamic hybrid banking is still relatively limited, especially regarding the understanding of Islamic principles. This study uses a descriptive qualitative approach with field research methods. Data collection was carried out through in-depth interviews, observation of social media activities, and documentation. Data analysis uses the Miles and Huberman model which includes data reduction, data presentation, and drawing conclusions. The results show that social media engagement plays a role as a means of Islamic hybrid banking literacy through cognitive, affective, and behavioral dimensions. The active involvement of the millennial generation in social media can increase knowledge, positive attitudes, and skills in understanding and using Islamic hybrid banking services. However, the use of interactive social media features is still more oriented towards promotion than in-depth education. This research is expected to be an evaluation material in developing a digital communication strategy based on Islamic banking literacy.

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