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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 1,633 Documents
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Manajemen Risiko Pembiayaan Murabahah di BPR Syariah Amanah Ummah Cabang Bogor Ulhaq, Alvin Aulia; Nawawi, Kholil; Muhlisin, Sofian
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.953

Abstract

This research aims to determine the Murabahah mechanism as well as the practices and risk management mechanisms for Murabahah financing at the Sharia People's Financing Bank or BPRS Amanah Ummah Bogor Branch Office. The research method used is a descriptive method in the form of words, images and not numbers due to the application of qualitative methods. Apart from that, everything that is collected may be the key to what has been researched. The results of the research show that 1) Murabahah financing carried out by BPRS Amanah Ummah, especially the Bogor Branch office, is financing aimed at financing both assets, capital and building materials based on criteria and specifications that are completely handed over to the customer. So the Murabahah mechanism is to submit first, after that the BPRS will analyze the needs, survey, and also 5C + 1S analysis, after everything has been analyzed then the next stage is the contract. 2) In the murabahah financing risk management process, this process has 3 stages, namely identification, measurement and risk control. Keywords: Management; Risk; Financing; Murabahah
Pengaruh Kualitas Produk, Kualitas Pelayanan dan Citra Perusahaan terhadap Keputusan Nasabah dalam Menabung: Studi Kasus Bank Muamalat Kantor Cabang Medan Balai Kota Syarifah, Nuraisyah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.954

Abstract

This research aims to determine the influence of product quality, service quality and company image on savings decisions. The variables used are product quality (X1), service quality (X2) and company image (X3) on saving decisions (Y). The type of research used is quantitative research using surveys and distributing questionnaires. The sampling technique used was a non-probability sampling method with a total of 80 respondents. The analytical method used in this research is multiple linear regression. Research data processing was carried out using the Statistical Package for the Social Sciences version 20 (SPSS) tools. The research results showed that simultaneously the variables product quality, service quality and company image had a positive effect on purchasing decisions at the Bank Muamalat Medan City Hall Branch Office. 79% of product quality, service quality, company reputation and profit sharing can influence customer decision variables in saving while the remaining 21% of customers' decisions to take financing are influenced by other variables not examined in this research. Keywords: product quality, service quality, company image, saving decisions.
Pengaruh Gaya Kepemimpinan terhadap Kinerja Karyawan di Kantor Pos Cabang Utama Kota Bandung Irgiansyah, Ilhan; Pramanik, Nuniek Dewi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.955

Abstract

The main goal of the study is to look into and evaluate how leadership styles affect how well employees perform at the Bandung City Main Branch Post Office. This study uses a descriptive methodology and a quantitative approach. Field research projects, surveys, and in-depth literature reviews are all used to collect data. The SPSS (Statistical Product and Service Solutions) programme, version 29, is used to analyse the gathered data. Validity, reliability, normalcy, heteroskedasticity, linearity, simple linear regression, t-tests, and the coefficient of determination are all included in the completed assessments. This study also shows how aspects of leadership styles such as accountability, communication skills, and decision-making capacity have a big impact on worker performance. The results of the t-test, where the computed t-value exceeds the tabulated t-value, namely 6.027 > 2.048, support this conclusion. Therefore, it can be concluded that variable X does in fact have an impact on variable Y. Keywords: Post Office, Leadership Style, Employee Performance, SPSS version 29
Analisis Penggunaan Media Sosial Sebagai Alat Komunikasi Pemasaran dalam Meningkatkan Brand Awareness: Studi Kasus pada UKM Vebcake Tulungagung Anggraini, Fia Tri; Habib, Muhammad Alhada Fuadilah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.956

Abstract

Social media has now become something that is embedded in people's lives. In this digital era, social media users have increased a lot, so to gain effectiveness in marketing communications, Vebcake chooses to use social media. Through this strategy, Vebcake is able to increase brand awareness of its business. Marketing communications itself plays an important role in increasing brand awareness. Vebcake is a business operating in the bakery sector in Tulungagung that is well known to the public. This can be seen through Vebcake's social media, which has tens of thousands of followers and sales turnover which increases every year. Based on previous research, Vebcake already has good brand awareness. Consumers have a good perception of the Vebcake Brand and say that the products from the Vebcake Brand are delicious and high quality at an affordable price. This research aims to describe the implementation of marketing communications via social media carried out by Vebcake to increase brand awareness. This research uses a qualitative approach with a descriptive type. The results of this research found that Vebcake implements a marketing communication mix regularly so that the public can be aware of the existence of the Vebcake Brand. The marketing communication mix carried out is in the form of advertising, sales promotion, public relations and publicity, online marketing and social media, mobile marketing, direct and database marketing, and personal selling. The obstacles that Vebcake faced while carrying out this marketing communication were the problem of miscommunication and the communication device (smartphone) which was damaged. Keywords: brand awareness; marketing communications; social media
Analisis Penerapan Standar Akuntansi Keuangan Entitas Mikro Kecil dan Menengah (SAK EMKM) pada Usaha Mikro Kecil dan Menengah (UMKM) di Kec. Kualuh Selatan Kab. Labuhanbatu Utara Ainun, Sri; Harmain, Hendra; Tambunan, Khairina
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.970

Abstract

The aim of this research is to analyze the application of accounting based on SAK EMKM to UMKM in South Kualuh Selatan, North Labuhanbatu Utara. This research was conducted using qualitative methods with a descriptive approach and the application of recording financial reports based on SAK EMKM with primary and secondary data taken from UMKM in South Kualuh Selatan, North Labuhanbatu Utara. Data collection techniques in this research used observation, interview and documentation techniques and the analysis techniques used were data reduction, presentation and drawing conclusions. The research results show that the majority of Micro, Small and Medium Enterprise Owners (UMKM) understand SAK EMKM. Information in financial reports is still presented very simply and manually. The difficulties faced by UMKM players are the lack of training courses on financial reports and SAK EMKM by practitioners, lack of time, they assume that financial reports are difficult to understand, and low awareness of improving financial reports in accordance with SAK EMKM. Keywords: SAK EMKM, Financial Report Recording System, UMKM
Dampak Perkembangan Teknologi dan Digitalisasi dalam Bisnis Syariah Analisis Sosiologi Hukum terhadap Perubahan pada Praktik Transaksi Keuangan Islam Dahlia, Dea; Srimauludiyah; Arifin, Tajul; Abdal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.971

Abstract

This article aims to analyze the impact of digitization of technological developments on Sharia business activities regarding Islamic financial transactions. Analyzing in the sociology of law regarding changes in Islamic financial transactions in the era of digitalization. With the development of digitalization technology, there are significant changes in aspects of life, especially in Islamic finance. The nature of this research is qualitative research with an analytical descriptive approach, and legal sociology analysis, the method used is the collection of a number of data through library research. In the analysis of legal sociology, it understands how the community and Islamic economic actors adapt to these changes and how to interpret changes in sharia with the digitalization of technological advances. In Sharia business and Islamic finance with the digitalization of technological developments there are many changes to these changes, there is a need to comply with sharia principles such as respecting the integrity of Islamic values. This discussion provides insight into how Islamic businesses can thrive in the digital age without compromising religious values. Keywords: Islamic business digitalization, sociology of law, Islamic financial transactions
Urgensi Komunikasi dalam Menumbuhkan Motivasi dalam Pembuatan Produk Newklin Nisaa, Diva Khoirun; Fiernaningsih, Nilawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): 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.v5i4.972

Abstract

Communication between work groups is persuasive communication, face-to-face, to arouse passion and activity at work. The purpose of this paper is to describe how the urgency of communication in fostering the motivation of a work group or work group in developing a product. Type and research approach This type of research is a literature and field analysis study using qualitative methods. Qualitative research used by researchers is descriptive data, namely in the form of written or spoken words from people and observable behavior. Researchers use a qualitative approach because researchers are interested in a phenomenon in the field by collecting data through interview and observation techniques. The results of this study are, communication has several variables that can motivate the work of the work group, namely the relationship between superiors and subordinates, relationships among coworkers, company rules and policies, working conditions, and compensation. The communication that most quickly fosters motivation is the relationship between superiors and subordinates. The reason is that the supervisor is the one who must be able to motivate the work of the work group working in his company and maintain good working and communication relationships with the work group, if this does not happen, there is a high probability of massive changes in the work group structure. Communication with motivation is closely related to work group performance in achieving company goals. Keywords: Communication Urgency; Motivation; Work Group; Newklin Soap
Analisis Kebijakan Perumahan Subsidi di Indonesia Policy Analysis 0f Subsidized Housing In Indonesia Adawiyah , Nur; Sihombing, Josua Adrio; Mar'ah, Sakinatul; Kemala , Putri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): 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.v5i6.1043

Abstract

The purpose of this research is to know the development of subsidy policy in the field of housing in Indonesia, and to know the obstacles that hinder the development of subsidized housing in Indonesia. This research is normative legal research, namely research conducted by examining secondary data (literature) consisting of: primary legal materials; secondary legal materials. In normative legal research, the data that has been collected, both through the inventory of primary legal materials and the search for secondary materials, content analysis is carried out which is then processed into general premises about general norms in the regulation of subsidies in the housing sector. Furthermore, it is analyzed deductively by using a syllogism thinking pattern composed of two statements (major premise and minor premise) and a conclusion. Conclusion: 1) the provision of subsidies to low-income people is expected to realize the community, especially low-income people to own a house; 2) the low absorption rate of subsidized housing
Analisis Dampak Pembangunan Infrastruktur Jalan terhadap Pertumbuhan Ekonomi Kecamatan Medan Tembung Zahra, Karin; Riris Hotma Roito Manalu; Rana Nabillah; Putri Kemala Dewi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): 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.v5i3.1070

Abstract

The aim of this research was to see the role of highways in the economic development of the Medan Tembung sub-district. This research is a qualitative type of research with a data collection method by conducting interviews. The method used in preparing this journal is a descriptive method through literature review and literature review. Journal preparation is carried out through literature review, namely by analyzing and reviewing books and scientific journals that have been published. The results of the research show that the development of road infrastructure has a significant and significant impact on the economic growth of the Medan Tembung sub-district community. Highway construction opens up new opportunities for communities that support economic growth.
Pengaruh Program Pemutihan Denda Pajak Kendaraan Bermotor, Pembebasan Bea Balik Nama Kendaraan Bermotor, Kualitas Pelayanan dan Sosialisasi Perpajakan terhadap Kepatuhan Wajib Pajak Kendaraan Bermotor pada UPT.SAMSAT Medan Utara Silviani, Echa; Ina liswanty
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): 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.v5i3.1076

Abstract

Taxpayer Compliance is a condition when taxpayers fulfill their tax obligations and tax rights correctly and precisely based on the applicable taxation law. This research aims to determine Motor Vehicle Tax Reduction, Exemption of Transfer of Title Fees, Service Quality and Tax Socialization of Motor Vehicle Taxpayer Compliance with UPT. North Medan Samsat. This type of research is quantitative research using survey methods. The sampling technique used was simple random sampling with a population of 479,555 Motor Vehicle Taxpayers and a sample of 100 respondents. The data analysis techniques used in this research were descriptive statistical tests, classical assumption tests and multiple linear regression analysis using the IBM SPSS Version 25.0 program. The results of this research show that the variables: Motor Vehicle Tax Reduction, Transfer of Title Fee Exemption, Service Quality and Tax Socialization simultaneously simultaneously influence Motor Vehicle Taxpayer Compliance.

Page 19 of 164 | Total Record : 1633

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