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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 1,888 Documents
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Efektivitas Pendayagunaan Zakat Produktif dalam Pemberdayaan Ekonomi Mustahik: Studi pada Baznas Kota Surabaya Siti Mar’atus Sholihah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This research is a qualitative descriptive research that aims to determine the effectiveness of the utilization of productive zakat in the empowerment of the mustahik economy. The data collection technique uses observation, interviews, and documentation. The results of this study show that the concept of utilizing productive zakat in the empowerment of mustahik economy implemented by BAZNAS Surabaya is outlined in several programs, namely in the form of providing business capital assistance both individually and in groups, providing job skills training, and providing work tool assistance. As for the effectiveness indicators, the theory from Ni Wayan Budiani is used, namely: the accuracy of program targets, program socialization, program objectives, and program monitoring. It can be seen that the indicators of the accuracy of program targets and have been effective, while the indicators of program socialization, program monitoring, and program objectives can be said to be ineffective.
Public Satisfaction in Issuing Police Record Certificates Reviewed by the Quality of Service at the Sukoharjo Police Widyasari Mahmudi; Siti Maryam; Ibnu Suryo
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to determine and analyze the influence of service quality on public satisfaction in making SKCK at Sukoharjo Police. Service quality has 5 dimensions that are assessed, namely Tangibles (real evidence), Reliability (reliability), Responsiveness (responsiveness), Assurance (certainty), Empathy (empathy). The sampling technique used Convenience Sampling as stated by Malhotra is a non-probability sampling method where researchers choose the most easily accessible respondents and the number of samples is 75 respondents, namely public residents who are looking for SKCK at Sukoharjo Police. The instrument used is distributing questionnaires to respondents with a Likert scale. The results of the study show that all research variables including: tangibles (X1), reliability (X2), responsiveness (X3), assurance (X4), empathy (X5) both simultaneously and partially have a positive effect on the variable of public satisfaction in making SKCK at Sukoharjo Police (Y). Keywords: service quality, community satisfaction in making SKCK
Customer Satisfaction of Bima Mobile Application Users is Assessed From Service Quality, Feature Completeness, Ease of Use and Transaction Security Bachtiar Ali Mahadi; Sudarwati Sudarwati; Sarsono Sarsono
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

The purpose of this study is to (1) test and analyze the effect of service quality on customer satisfaction of Bima Mobile application users; (2) test and analyze the effect of feature completeness on customer satisfaction of Bima Mobile application users; (3) test and analyze the effect of ease of use on customer satisfaction of Bima Mobile application users; and (4) test and analyze the effect of transaction security on customer satisfaction of Bima Mobile application users. The research object is BPD Jateng Boyolali Branch. The population is all customers using the Bima Mobile application; the sample size is 100 respondents calculated using the Leedy formula; the sampling technique uses accidental sampling. The data collection technique uses a questionnaire. The data analysis technique uses multiple linear regression analysis. The results of this study indicate that (1) Service quality influences customer satisfaction among Bima Mobile users (2) Feature completeness influences customer satisfaction among Bima Mobile users (3) Ease of use influences customer satisfaction among Bima Mobile users (4) Transaction security influences customer satisfaction among Bima Mobile users. Keywords: Service Quality, Feature Completeness, Ease of Use, Transaction Security, Customer Satisfaction
Employee Performance Reviewed From Workload, Organizational Culture, Work Experience and Village Office Competence in Kwadungan District, Ngawi Gulit Danan Prasetyo Utomo; Istiatin Istiatin; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to determine and explain the influence of workload, organizational culture, work experience, and competence on the performance of village officials in Kwadungan District, Ngawi. The population of this study was 102 village officials in Kwadungan District, Ngawi, and a sample of 50 people using total sampling technique. Data collection used a questionnaire. Data analysis used Multiple Linear Analysis. The results showed that workload, organizational culture, work experience, and competence contributed 70.5% to performance, while the remaining 29.5% was explained by other variables not included in this study. Suggestions from this research, village officials in Kwadungan District, Ngawi can improve organizational culture and competence and leaders are able to manage employee workloads so that work experience increases to achieve maximum performance results in villages in Kwadungan District, Ngawi.
Employee Loyalty as Seen in The English of Compensation, Organizational Culture, Work Motivation and Village Office Work Environment Agus Suwoko; Sudarwati Sudarwati; Istiatin Istiatin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to determine and explain the influence of compensation, organizational culture, work motivation, and the work environment on the performance of village officials in Kasreman District, Ngawi. The population of this study was 50 village officials in Kasreman District, Ngawi, and a sample of 50 people using total sampling technique. Data collection used a questionnaire. Data analysis used Multiple Linear Analysis. The results showed that compensation, organizational culture, work motivation, and the work environment contributed 72.1% to performance, while the remaining 27.9% was explained by other variables not included in this study. This research suggests that village officials in Kasreman District, Ngawi, can improve their organizational culture and competency, and that leaders can manage employee workloads to enhance work experience and achieve maximum performance results.
Performance is Assessed In Terms of Workload, Leadership, Competence and Training Agung Purowoko; Istiatin Istiatin; Bambang Mursito
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to understand and explain the influence of workload, leadership, competence, and training on the performance of employees of the Criminal Investigation Unit of Surakarta Police Department. The population of this study is the Criminal Investigation Unit of Surakarta Police Department, consisting of 102 people, and the sample consists of 52 people using a simple proportion sampling technique. Data was collected using a questionnaire. The data analysis technique used the Multiple Linear Analysis method. The results of the study show that workload, leadership, competence, and training contribute 80.5% to performance, while the remaining 19.5% is explained by other variables not included in this study. The suggestion from this study is that the employees of the Criminal Investigation Unit of Surakarta City Police can improve their competence and training, as well as leadership, which is able to manage employee workloads to achieve optimal performance results for the Criminal Investigation Unit of Surakarta City Police.
The Effect of Supervision, Information Technology, Motivation, And Workload on Nurses' Performance at Surakarta Islamic Hospital Arsyadanie Saifi Adli; Istiatin Istiatin; Oong Ridhoi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to determine and explain the influence of supervision, information technology, motivation, and workload on nurse performance at Surakarta Islamic Hospital. The population of this study was 59 nurses at Surakarta Islamic Hospital, with a total sampling method. Data collection was done using a questionnaire with a Likert scale. The data analysis technique used was multiple linear regression analysis. The results showed that supervision, information technology, motivation, and workload contributed 27.5% to nurse performance, while the remaining 72.5% was explained by other variables not examined in this study. The recommendation of this study is that Surakarta Islamic Hospital should develop a coaching-based supervision system, improve the implementation of information technology, integrate professional performance and Islamic values, and conduct regular surveys on workload. Keywords:Nurse Performance, Supervision, Information Technology, Motivation, Workload
Mengembangkan Strategi Pemasaran Omnichannel Menggunakan Customer Journey Mapping pada Perusahaan Ritel Olahraga: Studi Kasus Decathlon Indonesia Qolbi Alfarizi Rahman; Ira Fachira
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to analyze customer interaction patterns within a cross-channel retail system, identify experiential gaps along the purchasing journey, and formulate a more integrated marketing strategy using a structured customer journey mapping approach. The research addresses the increasing fluidity of customer behavior across digital and physical channels, particularly in the context of omnichannel retail implementation at Decathlon. A quantitative descriptive method was employed, using a Likert-scale survey distributed to customers who had utilized more than one channel during their purchase journey. The instrument was developed based on consumer decision-making theory and structured journey analysis concepts. Data were analyzed through descriptive statistical techniques to identify response distribution, levels of agreement, and indicators of experiential inconsistency. The findings indicate that customers actively engage in multi-channel interactions during the pre-purchase stage, mainly through digital information search followed by in-store verification. While purchase decisions are influenced by convenience and trust, some respondents experience friction during channel transitions. Post-purchase satisfaction and repurchase intention are relatively high; however, complaint handling remains an area for improvement. The study concludes that although structural channel integration exists, experiential continuity has not yet been fully optimized.
Analisis Efisiensi Belanja Fungsi Pendidikan dan Kesehatan Kabupaten/Kota di Pulau Lombok Tahun 2020-2024 Fajrian Pratama; Siti Sriningsih
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to analyze the efficiency of regional spending on education and health functions in districts/cities on Lombok Island during the 2020–2024 period. This study uses a quantitative approach with the output-oriented Data Envelopment Analysis (DEA) method with the assumption of Variable Returns to Scale (VRS). The data used are secondary panel data sourced from the Directorate General of Fiscal Balance, the Central Statistics Agency, and related agencies. The input variables in this study are education and health spending, while the output variables are education and health performance indicators. The results show that in the education sector, all districts/cities on Lombok Island are in the efficient category, although there are differences in the level of consistency of achievement between regions and between years, with Mataram City consistently being on the efficiency frontier. In the health sector, all districts/cities also show a good level of efficiency in managing health spending. This finding shows that the efficiency of regional spending is not only influenced by the size of the budget allocation, but also by the effectiveness of budget management and the quality of policy governance in producing development output achievements. The results of this study are expected to be evaluation material for regional governments in improving the quality of public spending management, especially in the education and health sectors.
Pengaruh Persepsi Kegunaan, Kemudahan Penggunaan, Risiko, Keamanan, dan Kepercayaan terhadap Penggunaan Digital Banking Ketty Junisa Piandari Utami; Vika Fitranita
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to analyze the influence of perceived usefulness, perceived ease of use, perceived risk, security, and trust on the use of digital banking services. This study used a quantitative approach with a survey method. Data were collected by distributing questionnaires to 170 digital banking users in Bengkulu City, selected using a purposive sampling technique. Data analysis was performed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with the assistance of SmartPLS software. The results show that perceived usefulness, perceived ease of use, security, and trust have a positive and significant influence on the use of digital banking services. This suggests that perceived usefulness, ease of use of the system, level of service security, and trust in the service provider are important factors that encourage users to utilize digital banking services. Conversely, perceived risk did not significantly influence the use of these services. This study contributes to the development of the Extended Technology Acceptance Model (Extended TAM) by incorporating variables such as perceived risk, security, and trust to explain technology usage behavior in the digital banking sector. In addition, this research also provides practical implications for the banking industry in improving the quality of digital banking services, especially in terms of ease of use, system security, and building user trust.

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