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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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Pengaruh Persepsi, Promosi, dan Pengetahuan Terhadap Keputusan Memilih Produk Pegadaian Syariah dengan Kepercayaan Sebagai Variabel Mediasi: Studi pada Pegadaian Syariah Cabang Way Halim Bandar Lampung Umi Puspita Sari; Syamsul Hilal; Vicky F Sanjaya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12161

Abstract

This study aims to examine the influence of perception, promotion, and knowledge on customers’ decision-making at Pegadaian Syariah Way Halim in Bandar Lampung, with trust serving as a mediating variable. A total of 99 customers were selected through purposive sampling to participate in the study. Data were collected using structured questionnaires and analyzed using Structural Equation Modeling (SEM) via SmartPLS version 4. The findings indicate that both perception and knowledge have a positive and significant effect on decision-making through trust as a mediating variable, highlighting the crucial role of trust in shaping customer decisions. In contrast, promotion was found to have no significant direct impact on decision-making. Furthermore, trust was shown to effectively mediate the relationship between perception and knowledge and customers’ decision-making, emphasizing the importance of building trust through accurate information and credible service in financial transactions.
Analisa Etos Kerja Perempuan dalam Menopang Kemandirian Ekonomi Keluarga di Desa Kemiri, Kecamatan Puspo Pasuruan: Studi Pendekatan Asset Based Community Development (Abcd) Siti Alviyaning Tiyas; Sukamto Sukamto; Aslikhah Aslikhah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12165

Abstract

This study aims to analyze women’s work ethic in supporting family economic independence through the Asset Based Community Development (ABCD) approach in Kemiri Village, Puspo District, Pasuruan Regency. This research employed a qualitative approach with a descriptive-explanatory type. Data were collected through observation, in-depth interviews, and documentation involving women working in agriculture, trading, livestock farming, handicrafts, and education sectors. Data analysis was conducted through data reduction, data presentation, and conclusion drawing using the ABCD perspective. The findings revealed that women possess a strong work ethic reflected in discipline, responsibility, perseverance, and consistency in carrying out economic activities. Women were also able to utilize local assets such as individual skills, agricultural land, livestock, and social support from the community to sustain family economic activities. The utilization of these local assets indicates the implementation of ABCD principles within community life. This study concludes that the integration of women’s work ethic and local asset utilization plays an important role in strengthening family economic independence and the economic resilience of rural communities.
Pengaruh Penggunaan Mobile Banking, Transaksi Qris, dan Total Pengguna terhadap Pertumbuhan Aset Perbankan Syariah Abeng Suhendra; Femei Purnamasari; Muhammad Iqbal Fasa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12168

Abstract

This study analyzes the effect of mobile banking usage, QRIS transactions, and the total number of digital service users on Islamic banking asset growth in Indonesia. The research is motivated by increasing digital banking activities not matched by optimal asset growth, requiring empirical testing to assess digitalization effectiveness on financial performance. A quantitative approach with a causal design is employed. Data consist of secondary time-series data for 2023–2025 obtained from official publications of the Financial Services Authority (OJK) and Bank Indonesia (BI). The sampling technique uses census sampling, selecting the entire population due to limited observations and high relevance. Data analysis applies multiple linear regression using SPSS, including classical assumption tests: normality, multicollinearity, autocorrelation, and heteroscedasticity. Results show that, partially, mobile banking usage has a positive, significant effect on asset growth (sig 0.008 < 0.05), QRIS transactions show a positive, significant effect (sig 0.047 < 0.05). The total number of users does not significantly affect asset growth (sig 0.722 > 0.05). Simultaneously, all variables significantly influence asset growth (sig 0.007 < 0.05). The coefficient of determination (R²) is 0.188, indicating 18.8% of asset growth variation is explained by the independent variables, while 81.2% is influenced by factors outside the model. These findings indicate digitalization through mobile banking and QRIS supports asset growth. However, increasing user numbers alone does not significantly impact growth without improving usage quality and optimizing financial intermediation. Integration of digital services with fund mobilization and financing strategies is essential to achieve sustainable asset growth.
Tinjauan Fiqih Muamalah terhadap Sistem Escrow dalam Marketplace Dewi Nur Fatmah; Apriantini Kusumawati; Arin Tontami; Zainal Arifin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12189

Abstract

The development of marketplaces in digital commerce has created various problems, such as fraud, product discrepancies, and transaction disputes. To address these issues, marketplaces implement an escrow system as a transaction security mechanism by holding payment funds until the buyer confirms receipt of the goods. This study aims to analyze the escrow system from the perspective of fiqh muamalah using a normative legal research method through library research. The results show that the escrow system is generally permissible in Islam because it contains elements of wakalah, wadiah, and ujrah contracts and aims to ensure transaction security and protect the rights of all parties involved. However, its implementation must be conducted transparently and fairly to avoid elements of riba, gharar, and fraud (tadlis).
Perbandingan Efektivitas User Generated Content (UGC) dan Firm Generated Content (FGC) terhadap Brand Loyalty melalui Brand Trust pada Produk Yamaha NMAX di Instagram Nega Avy Wicaksono; Ida Farida; Yohan Wismantoro; Guruh Taufan Hariyadi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12211

Abstract

This study aims to analyze the influence of User Generated Content (UGC) and Firm Generated Content (FGC) on Brand Loyalty with Brand Trust as a mediating variable, while comparing the relative effectiveness of both types of content on the Yamaha NMAX product. A quantitative approach with an explanatory-comparative design was applied through a survey method on 145 respondents selected by purposive sampling from among active Yamaha NMAX users on Instagram. Data were analyzed using PLS-SEM assisted by SmartPLS. The test results revealed that UGC has a significant positive effect on Brand Trust, but is not proven to have a direct effect on Brand Loyalty. Conversely, FGC has a significant positive effect on both, both Brand Trust and Brand Loyalty. Brand Trust is also confirmed as a significant predictor of Brand Loyalty. The mediation analysis resulted in the finding that Brand Trust fully mediates the UGC path to Brand Loyalty, while partial mediation occurs in the FGC path. Comparatively, FGC has proven to be superior in driving Brand Trust and Brand Loyalty directly, while UGC contributes through indirect channels by first building consumer trust as a prerequisite for loyalty.
Pengaruh Soft Skill, Pengalaman Magang dan Pengalaman Organisasi Terhadap Kesiapan Kerja Mahasiswa dalam Perspektif Manajemen Sumber Daya Insani: Studi pada Mahasiswa di Kota Bandar Lampung Gilang Sri Khadaffi; Is Susanto; Alief Rakhman Setyanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12268

Abstract

This study aims to analyze the influence of soft skills, internship experience and organizational experience on student job readiness in the city of Bandar Lampung. The background of this study is based on the increasing unemployment of college graduates, which shows that high education does not fully guarantee the readiness of individuals to enter the workforce. Job readiness is not only determined by academic ability, but also influenced by nontechnical skills and practical experience gained during the lecture period. Therefore, the development of soft skills, involvement in internship activities, and participation in organizations are important factors in preparing students for an increasingly competitive world of work. This study uses a quantitative approach with a survey method of 384 respondents. The research instrument was tested for validity and reliability, followed by classical assumptions such as normality, multicollinearity and heteroscedasticity. Data analysis was carried out by multiple linear regression to test the influence of independent variables on dependent variables. The results of the study show that three variables have a significant effect on job readiness. Soft skills (β=5,433), while internship experience (β=6,058), and organizational experience (β=10,412). The F test showed that the three variables had a significant effect simultaneously (F-Statistic = 1283.825, Prob (F-statistic) 0.000), with a determination coefficient (R2) of 90.40%.
Analisis Pelayanan Aksesibilitas bagi Penyandang Disabilitas di Area Terminal Bandar Udara Tjilik Riwut Palangkaraya Indriani Indriani; Amelia Puspa Tamara
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12346

Abstract

This study aims to identify and analyze the availability and suitability of accessibility facilities, assistance service processes, and service improvement strategies for people with disabilities at Tjilik Riwut Airport in Palangkaraya. The research method employed is a qualitative approach using a descriptive research design. Data collection techniques included observation, interviews, and documentation, with informants consisting of airport staff and parties involved in passenger services. The results indicate that accessibility facilities such as wheelchairs, elevators, accessible restrooms, and access pathways are available; however, they do not yet fully meet accessibility principles, which include ease of use, safety, comfort, and independence. The process of providing assistance to people with disabilities has been carried out through staff accompaniment and a reasonably good service response, although there are still challenges regarding the number of staff, their competence, and coordination among work units. The strategies for service improvement implemented include facility management, maintenance, human resource development, and service evaluation; however, their implementation still needs to be enhanced to achieve optimal results. The conclusion of this study is that accessibility services at Tjilik Riwut Airport in Palangkaraya have been functioning fairly well, but are not yet fully optimized to meet the needs of people with disabilities. Therefore, improvements are needed in terms of facilities, services, and management to achieve more inclusive and sustainable services.
Model Pemberdayaan Ekonomi Umat Berbasis Masjid dalam Meningkatkan Kesejahteraan Masyarakat: Studi Kasus Mesjid Quba Kota Sorong Mohammad Umar Sisin; Hasbiah Hasbiah; Rokhimah Rokhimah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12371

Abstract

This study aims to analyze mosque-based economic empowerment models in improving community welfare in Sorong City, Southwest Papua. The research employed a qualitative method with a case study approach focusing on Al-Akbar Grand Mosque, Quba Mosque, and Raodah Mosque. Data were collected through observation, in-depth interviews, and documentation involving mosque administrators, program managers, and community beneficiaries. The findings reveal that Al-Akbar Grand Mosque implements a business facilitation-based empowerment model by providing business spaces for Micro, Small, and Medium Enterprises (MSMEs) through the productive utilization of mosque assets. Quba Mosque applies a productive philanthropy-based empowerment model by utilizing zakat, infaq, sadaqah, and donations to support business capital, education, healthcare, and other social needs of the congregation. Meanwhile, Raodah Mosque has not yet implemented a structured economic empowerment program due to limitations in human resources, funding, and institutional capacity, despite having considerable potential for development. The study further indicates that these empowerment programs have contributed positively to improving economic access, strengthening social protection, and enhancing relationships between mosques and the community. However, most programs remain focused on providing access and distributing assistance, limiting their effectiveness in fostering sustainable economic independence. This study concludes that mosques possess significant potential as centers of community economic empowerment; however, optimizing their role requires stronger institutional capacity, improved human resources, and the development of sustainable productive economic programs.
Pengaruh User-Generated Content dan Fenomena ‘Tiktok Made Me Buy It’ Terhadap Keputusan Pembelian Generasi Z: Sebuah Tinjauan Literatur Sistematis Jilan Azzahra Salsabila; Adiatma Zefanya Loppies; I Made Suparta; Ida Bagus Campena
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (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.v7i7.12455

Abstract

This study aims to analyze the influence of User Generated Content (UGC) and the ‘TikTok Made Me Buy It’ phenomenon on purchase decisions among Generation Z. The research employs a Systematic Literature Review (SLR) method following the PRISMA guidelines. The data used are secondary data in the form of scientific journal articles obtained from Google Scholar, ScienceDirect, ResearchGate, and SINTA databases within the 2020–2026 period. Based on the selection process, 11 relevant articles that met the inclusion criteria were analyzed. The findings indicate that User Generated Content (UGC) has a positive and significant influence on purchase intention and purchase decisions due to its authenticity and its ability to enhance consumer trust. Furthermore, the ‘TikTok Made Me Buy It’ phenomenon, which includes content virality and electronic word of mouth (e-WOM), plays a significant role in driving consumer behavior through emotional, social, and algorithmic factors. Simultaneously, UGC and e-WOM complement each other in influencing purchase decisions. Generation Z, as active social media users, strengthens these relationships due to their responsiveness to authentic and interactive digital content. This study also identifies a research gap, as most previous studies have focused on purchase intention rather than actual purchase decisions. Therefore, this research contributes to expanding the understanding of consumer behavior in the era of social commerce, particularly on the TikTok platform.
Pengintegrasian Maqashid Syariah dalam Strategi Pariwisata Halal: Etika Keagamaan, Hak Konsumen, dan Kerangka Hukum dalam Studi Kasus Lombok Fitry Primadona; Marwata; Fakhry Fadhil
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.12516

Abstract

This study explores the strategic development of halal tourism marketing in Lombok by applying an integrated quantitative and religious-ethical approach. Using Structural Equation Modeling (SEM) and Importance-Performance Map Analysis (IPMA), this research identifies key drivers influencing Muslim tourists’ loyalty. The findings highlight that perceived value occupies the most critical position in the IPMA quadrant marked by the highest importance score (0.310) but relatively low performance (56.410). This gap reveals a strategic urgency to enhance the spiritual and emotional value embedded in halal tourism services. The study emphasizes that improving perceived value must go beyond technical compliance, aligning with core Islamic ethical principles such as maqashid shariah (protection of religion, life, wealth, intellect, and dignity) and muamalah (transparency, fairness, and honesty in transactions). Regulatory frameworks like Indonesia’s Halal Product Assurance Law further reinforce the legal obligation to uphold Muslim consumer rights in the public tourism sector. By embedding faith-based values into service design and marketing strategies, this paper argues for a model of halal tourism that integrates religious freedom, consumer protection, and social transformation. Lombok can serve as a benchmark destination that not only meets procedural halal standards but also fosters deeper spiritual satisfaction and inclusive service justice in a pluralistic society.

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