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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 1,888 Documents
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Pengaruh Promosi dan Harga Terhadap Keputusan Nasabah dalam Memilih Cicilan Emas di PT Pegadaian Syariah Jelutung Jambi Ferdi Agustiar Syarmaheza; Putri Apria Ningsih; Ogi Saputra
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.v7i7.12642

Abstract

Gold is a relatively stable investment instrument that is highly favored by the public including through gold installment products offered by Islamic financial institutions. This product provides easier access to gold ownership through a gradual payment system. However, the high level of public interest in this product does not always translate into actual purchasing decisions, as customer decisions are influenced by various factors, particularly promotion and price. Therefore, this study aims to analyze the influence of promotion and price on customers’ decisions in choosing gold installment products at PT Pegadaian Syariah Jelutung Jambi. This research employs a quantitative approach using a questionnaire distributed to 81 respondents selected through purposive sampling. The collected data were analyzed using multiple linear regression. The results of the study indicate that promotion and price have a positive and significant effect on customers’ decisions, both partially and simultaneously. The coefficient of determination (R²) of 65.8% shows that these two variables can explain 65.8% of the variation in customer decisions, while the remaining 34.2% is influenced by other factors outside the research variables. Thus, promotion and price are proven to be important factors in determining customers’ decisions in choosing gold installment products at PT Pegadaian Syariah Jelutung Jambi. The findings of this study are expected to serve as a consideration for the company in developing more effective marketing strategies.
Determinan Pertumbuhan UMKM Lokal: Peran Profitabilitas, Produktivitas, Utang Eksternal, dan Dukungan Pemerintah pada UMKM Product Placement Pilihan BUSAN Nurullyta Rochmatul Azizah; Verawati Verawati
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.v7i7.12676

Abstract

This study aims to examine the effect of profitability, productivity, external debt, and government support on the growth of Micro, Small, and Medium Enterprises (MSMEs) that are part of the BUSAN Product Placement Choice program. The study uses a quantitative approach with multiple linear regression analysis through the help of Stata version 19 software. MSME growth is measured using two approaches: log revenue growth as the main model and percentage growth as a comparison model. Profitability is proxied by Return on Assets (ROA), productivity is measured using a logarithmic transformation of productivity, external debt is measured through the Debt-to-Asset Ratio (DAR), while government support is measured based on MSMEs’ perceptions using a Likert scale. The results of the main model analysis indicate that profitability and productivity have a negative and significant effect on MSME growth. On the other hand, external debt and government support do not show a significant effect. In the comparison model using percentage growth, profitability and productivity are proven to have a negative and significant effect, while external debt and government support still do not show a significant effect on MSME growth.
Analisis Strategi Sumber Daya Manusia dalam Meningkatkan Retensi Karyawan: Studi Literatur pada Beberapa Korporasi Besar di Indonesia Salsabila Ayu Arifia; Mohammad Sawaluddin; Fadali Rahman; Rachman Hakim
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.v7i7.12795

Abstract

This study aims to analyze human resource strategies in improving employee retention in several major corporations in Indonesia through a literature review approach. The research method used is a systematic literature review by examining various scientific articles, national journals, and relevant supporting documents published during the 2023–2025 period. Data were collected through literature searches from various sources and analyzed descriptively using a qualitative approach to identify human resource strategies that contribute to employee retention. The findings indicate that competency development through training, competitive compensation, career development, employee engagement, and the creation of a positive work environment and organizational culture have a significant role in increasing employee loyalty and commitment. The continuous implementation of human resource strategies can help companies retain qualified employees and enhance organizational competitiveness in an increasingly dynamic business environment.
Pengaruh Motivasi Kerja dan Lingkungan Kerja terhadap Loyalitas Karyawan dengan Kepuasan Kerja sebagai Variabel Mediasi: Studi Kasus pada Divisi Valve PT Metal Castindo Industritama Inez Delia Saputri; Anita Novialumi
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.v7i7.12834

Abstract

Employee loyalty is an important factor in supporting the achievement of organizational goals and company sustainability. Low loyalty can have an impact on decreased productivity, weakened organizational commitment, and increased employee desire to leave the company. This study aims to analyze the effect of work motivation and work environment on employee loyalty with job satisfaction as a mediating variable in the Valve Division. The study used a quantitative approach with data collected through distributing questionnaires to 72 employees. Data analysis was conducted using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method with the help of SmartPLS 4.1.1.8 software. The results of the study indicate that work motivation and work environment have a positive and significant effect on job satisfaction and employee loyalty. In addition, job satisfaction is proven to have a positive and significant effect on employee loyalty and is able to mediate the influence of work motivation and work environment on employee loyalty. These findings indicate that increasing work motivation and creating a conducive work environment can increase job satisfaction which ultimately strengthens employee loyalty to the company.
Analisis Pengaruh Variabel Makroekonomi terhadap Impor Bahan Baku di Indonesia Tahun 2020-2024 Rizka Nur Hidayah; Reikha Habibah Yusfi
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.v7i7.12835

Abstract

Indonesia's raw material imports continue to increase from year to year, which shows the high dependence of the Indonesian industrial sector on raw materials from abroad. This study aims to analyze the influence of macroeconomic variables, namely inflation, money supply, interest rate, and exchange rate on raw material imports in Indonesia from January 2020 to December 2024. The data used is secondary data in the form of a monthly time series that comes from official publications of Bank Indonesia, the Central Statistics Agency, and the Ministry of Trade. The research analysis method uses the Ordinary Least Square (OLS) with the Newey-West HAC approach to overcome the problems of heteroscedasticity and autocorrelation. The results of the study show that inflation and the money supply have a positive and significant influence on raw material imports. Meanwhile, interest rates have a negative and significant influence on raw material imports. Meanwhile, in this study period, the exchange rate variable did not have a significant effect on the import of raw materials in Indonesia. From the results of the study, it can be concluded that raw material imports in Indonesia are influenced by domestic demand, economic liquidity, and interest rate policies compared to exchange rates.
Employee Well-Being di Era Digital Workplace: Tinjauan Literatur Sistematis tentang Kesehatan, Keterikatan, dan Produktivitas Pegawai Muhamad Nukha Murtadlo; Iva Sofi Gunawati; Inarotul Caturmufidarini
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.12837

Abstract

Digital transformation has driven significant changes in organizational work environments through the adoption of various digital technologies that support communication, collaboration, and flexible work practices. This transformation has led to the emergence of the digital workplace concept, which presents both opportunities and challenges for employee well-being. This study aims to systematically review previous research findings on employee well-being in digital workplaces and identify their implications for organizational performance and productivity. The study employed a Systematic Literature Review (SLR) approach based on the PRISMA 2020 guidelines. The literature search was conducted using various scholarly sources relevant to employee well-being, digital workplace, technostress, employee engagement, and work-life balance. Articles meeting the inclusion criteria were analyzed using a thematic analysis approach to identify the major themes emerging from the existing literature. The findings indicate that the success of digital transformation depends not only on technology adoption but also on an organization's ability to maintain and enhance employee well-being. Digital workplaces can improve flexibility, collaboration, and work efficiency; however, they may also create challenges such as technostress, digital fatigue, and blurred boundaries between work and personal life. Therefore, organizations should adopt a human-centered approach to create productive, healthy, and sustainable digital work environments that support both employee well-being and organizational outcomes.
Ancaman Fraud di Balik Digitalisasi: Seberapa Siap UMKM dengan Pengendalian Internal dan Literasi Digital Iva Sofi Gunawati; Muhamad Nukha Murtadlo; Erni Harlina Isdiati
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.12839

Abstract

The rapid development of digital technology has transformed the operational activities of Micro, Small, and Medium Enterprises (MSMEs), while simultaneously increasing the risk of fraud. Therefore, effective internal control and adequate digital literacy are essential to mitigate fraud risks. This study aims to examine the influence of internal control and digital literacy on fraud prevention among MSMEs in Boyolali Regency, Indonesia. A quantitative research approach with a survey method was employed. Data were collected through questionnaires distributed to 100 MSME owners selected using purposive sampling. The data were analyzed using multiple linear regression with SPSS software. The results indicate that internal control has a positive and significant effect on fraud prevention, with a significance value of 0.003 (p < 0.05). Digital literacy also has a positive and significant effect on fraud prevention, with a significance value of 0.000 (p < 0.05). Simultaneously, internal control and digital literacy significantly influence fraud prevention, as indicated by an F-test significance value of 0.000, and explain 63.0% of the variance in fraud prevention (R² = 0.630). These findings suggest that strengthening internal control systems, supported by improved digital literacy, is an effective strategy for enhancing fraud prevention among MSMEs in the era of digital transformation.
Analisis Tabel Input-Output pada Sektor Pariwisata Jawa Tengah Pasca Covid Reikha Habibah Yusfi; Shanty Oktavilia; Nurjannah Rahayu Kistanti; Tutik Tutik; Retno Febriyastuti Widyawati
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.12840

Abstract

The Covid-19 pandemic has caused many economic activities and workforce productivity to decline. The tourism sector is a dynamic sector because it can involve many people and revitalize various business fields. Considering the strategic position of the tourism sector, research is necessary to determine its impact on the economy post-Covid-19. The objectives of this study include analyzing key sectors against the 2016 Central Java IO Table to identify sectors with high backward and forward linkages as considerations for economic recovery after the Covid-19 pandemic. The 2016 Central Java IO Table and information on Central Java tourist expenditure were used to analyze the impact of tourism sector demand. The results of the sectoral backward linkage analysis show that only the Food and Beverage Service sector is included in the top 10. Meanwhile, the sectoral forward linkage analysis found that the Food and Beverage Service sector and the Information and Communication Services sector are included in the top 10. The analysis of the impact of final demand on all tourism sectors in Central Java in 2021 reached 16,663,997.66 million rupiah.

Page 189 of 189 | Total Record : 1888

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