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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 1,968 Documents
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Employee Performance is Assessed in Terms of Work-Life Balance, Work-Family Conflict, Mental Health, and The Generation Gap Dias Ratih Rahmandini; Istiatin Istiatin; Suhendro Suhendro
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12467

Abstract

The purpose of this study is to analyze the influence of work-life balance, work-family conflict, mental health, and the generation gap on employee performance at the Klaten Pratama Tax Office. This study uses a quantitative approach with a survey method. The study population was all Klaten Pratama Tax Office employees with a sample of 88 respondents. Data collection techniques were carried out through questionnaires, while data analysis used multiple linear regression with the help of the Statistical Product and Service Solutions (SPSS) program. Tests were conducted simultaneously and partially to determine the influence of each independent variable on employee performance. The results showed that work-life balance, work-family conflict, mental health, and the generation gap simultaneously influenced employee performance. Partially, work-life balance had a positive and significant effect on employee performance, mental health had a marginal effect, while work-family conflict and the generation gap had no significant effect. The coefficient of determination (R²) value of 0.274 indicates that the research variables were able to explain 27.4% of the variation in employee performance. This study concluded that work-life balance is the most dominant factor in influencing employee performance at the Klaten Pratama Tax Office.
Impact of Financial Performance on Financial Distress Banking Sectors Listed on The Indonesia Stock Exchange (IDX) In 2019 -2024 Ratri Manohara Srikaya; Kartika Hendra Titisari; Sudarwati Sudarwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12509

Abstract

This study aims to analyze the effect of financial performance on Financial Distress in banking sector companies listed on the Indonesia Stock Exchange for the period 2019–2024. The independent variables used are Return on Assets (ROA), Debt Ratio (DR), Operating Expenses to Operating Income (BOPO), Non-Performing Loans (NPL), and Capital Adequacy Ratio (CAR). The dependent variable is measured using the Zmijewski model. This study uses a quantitative approach with multiple linear regression methods. The sampling technique uses purposive sampling so that 13 conventional commercial banks are obtained as research samples with a total of 67 observations after outlier testing. The results show that partially ROA, DR, and CAR have a significant effect on Financial Distress. ROA has a negative effect on Financial Distress, which indicates that increasing profitability can reduce the possibility of financial distress. DR has a positive effect on Financial Distress, which indicates that increasing the proportion of liabilities to assets increases the risk of financial distress. CAR also has a significant effect on Financial Distress, which emphasizes the importance of capital adequacy in maintaining banking stability. Meanwhile, BOPO and NPL did not significantly influence financial distress. Simultaneously, all independent variables did not significantly influence financial distress. The adjusted R Square value of 0.080 indicates that the research model can only explain 8% of the variation in financial distress, with the remainder influenced by factors outside the model.
The Effect of Service Quality, Trust, Hospital Image and Facilities on Patient Satisfaction in Outpatient Pharmacy Services Jaka Arifin Budiyana; Istiatin Istiatin; Oong Ridhoi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12603

Abstract

This research aims to test and analyze the influence of service quality, trust, hospital image and facilities on patient satisfaction in outpatient pharmacy services at Dr. RM. Soedjarwadi Mental Hospital. The research method used is quantitative. The number of samples used was 100 respondents with instrument testing in the form of validity and reliability tests. Furthermore, the research data was analyzed using Multiple Linear Regression, F-Test, t-test, and Coefficient of Determination. The results of the study indicate that cumulatively there is a significant influence between service quality, trust, hospital image, and facilities on patient satisfaction. Meanwhile, partially, of the four independent variables studied, three independent variables have a positive influence on patient satisfaction, namely trust, hospital image, and facilities. While one independent variable that does not have a significant influence on patient satisfaction is service quality.
Employee Performance is Assessed in Terms of Motivation, Compensation, Work Environment, and Career Development Novita Krisnasari; Istiatin Istiatin; Siti Maryam
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12605

Abstract

This study aims to analyze the influence of motivation, compensation, work environment, and career development on employee performance in Serengan District, Surakarta City. The research method used is a quantitative approach with data collection techniques through questionnaires distributed to 40 respondents who are State Civil Apparatus (ASN) in Serengan District. Data analysis techniques used include classical assumption tests, multiple linear regression, t-tests, F-tests, and coefficient of determination (R²) with the help of the SPSS 26.00 for windows program. The results of the study indicate that all independent variables, namely motivation, compensation, work environment, and career development, have a positive and significant effect on employee performance, both partially and simultaneously. The compensation variable has the most dominant influence on employee performance. The results of the coefficient of determination test show that 53.7% of employee performance variations can be explained by these four variables, while the remaining 46.3% is influenced by other variables outside this study. Increasing motivation, providing appropriate compensation, a conducive work environment, and targeted career development can improve employee performance in Serengan District, Surakarta City.
The Effect of Workload, Professionalism, Incentives and Work Motivation on Health Worker Performance Minarni Purnaningsih; Istiatin Istiatin; Oong Ridhoi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12635

Abstract

This study aims to analyze the influence of workload, professionalism, incentives, and work motivation on the performance of health workers at Dr. RM. Soedjarwadi Regional Mental Hospital, Central Java Province, both partially and simultaneously. This study uses a quantitative approach with a survey method. The research sample is 25% of all health workers directly involved in patient care at Dr. RM. Soedjarwadi Regional Mental Hospital, excluding medical personnel (doctors), with an incidental sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS, including the classical assumption test, F test, t test, and coefficient of determination (R²). The results of the study indicate that: (1) workload has a positive and significant effect on the performance of health workers (B = 0.629; sig. = 0.000); (2) professionalism has a positive and significant effect on the performance of health workers (B = 0.311; sig. =0.023); (3) incentives do not have a positive and significant effect on the performance of health workers (B = 0.043; sig. =0.627); (4) work motivation does not have a positive and significant effect on the performance of health workers (B = -0.145; sig. =0.326); and (5) workload, professionalism, incentives, and work motivation simultaneously have a positive and significant influence on the performance of health workers (F =15,487; sig. = 0.000). The Adjusted R Square value is0.475shows that the four variables are able to explain 47.5% of the variance in health worker performance, while the remaining 52.5% is influenced by other factors outside the model.
Reconceptualizing Salam Contracts: A Flexible Sharia-Compliant Framework for Modern Islamic Banking Kautsar Riza Salman; Entis Sutisna
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12716

Abstract

This study proposes a conceptual framework for an enhanced Salam contract model aimed at improving flexibility, operational efficiency, and practical relevance within contemporary Islamic banking. Although Salam is a Shariah-compliant forward sale contract with strong jurisprudential foundations, its institutional application remains limited due to contractual rigidity, sectoral restrictions, and operational challenges. Drawing on a systematic review of literature published between 2016 and 2026, this paper identifies key constraints in existing Salam practices, including narrow usage confined primarily to agricultural commodities, limited practitioner familiarity, and risk management concerns. In response, the study develops a conceptual model that extends Salam applicability to a broader range of goods and services meeting clearly defined specifications and introduces a structured price-adjustment mechanism that allows buyers to request discounts when delivered goods fail to meet agreed standards. This innovation is expected to reduce dispute risk, enhance legal certainty, and strengthen fairness principles in Shariah-compliant transactions. From a practical perspective, the proposed model has the potential to improve liquidity management, support product innovation—including digital and parallel Salam structures—and enhance institutional competitiveness.
Employee Performance is Assessed in Terms of Spiritual Intelligence, Work Ethic, Islamic Leadership, and Religiosity Henny Puspitosari Utami; Istiatin Istiatin; Yunia Wahdiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12787

Abstract

This study aims to analyze the influence of spiritual intelligence, work ethic, Islamic leadership, and religiosity on employee performance at the Kartasura Community Health Center. The study used a quantitative approach with a survey method. The population in this study were all 104 employees of the Kartasura Community Health Center who were also used as research samples using a saturated sampling technique. Data collection was carried out using a questionnaire that had been tested for validity and reliability. Data analysis used multiple linear regression with the help of the SPSS program. The results showed that spiritual intelligence had a positive and significant effect on employee performance with a t-value of 2.736 and a significance of 0.007. Work ethic had a positive and significant effect on employee performance with a t-value of 2.262 and a significance of 0.026. Religiosity also had a positive and significant effect on employee performance with a t-value of 2.387 and a significance of 0.001. Meanwhile, Islamic leadership did not have a significant effect on employee performance with a t-value of 0.150 and a significance of 0.881. The research findings show that internal employee factors in the form of spiritual intelligence, work ethic, and religiosity have an important role in improving employee performance, while Islamic leadership has not had a significant influence on employee performance at the Kartasura Community Health Center.    
Analysis of Non-Menopatic Patient Loyalty at Dr. Rm. Soedjarwadi Regional Mental Hospital, Central Java Province Asril Aziz Rahmatullah; Sudarwati Sudarwati; Oong Ridhoi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12874

Abstract

This study aims to analyze the influence of service quality, facilities, rates, location, and hospital image on the loyalty of non-mental patients at Dr. RM. Soedjarwadi Mental Hospital, Central Java Province. This study used a quantitative method with a survey approach. The study population was all non-mental patients who had received services at Dr. RM. Soedjarwadi Mental Hospital, Central Java Province, with the criteria of having received treatment at least twice. Data were collected using a questionnaire compiled based on the indicators of each research variable. Data analysis was conducted using multiple linear regression to determine the partial and simultaneous effects of independent variables on patient loyalty. The results showed that service quality, facilities, rates, location, and hospital image influenced the loyalty of non-mental patients. Simultaneously, these five variables contributed significantly to increasing patient loyalty. Service quality and hospital image were the factors that had the most dominant influence on patient loyalty. The findings of this study indicate that efforts to improve service quality, develop facilities, set appropriate rates, increase location accessibility, and strengthen the hospital image need to be a priority in the strategy for developing non-mental services at Dr. RM. Soedjarwadi Mental Hospital, Central Java Province.
Analisis Resiliensi Makro pada Perbankan Syariah dalam Pembiayaan Infrastruktur Publik Nissa Arrasyidi; Sulastri Sulastri; Amri Fatehuddin Siddiq; M Nurhaikal Sam; Rudy Heryana
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12943

Abstract

This study analyzes the resilience of Indonesian Islamic banking in financing public infrastructure amidst macroeconomic fluctuations from 2021 to 2025, evaluating its alignment with Maqashid Syariah principles. Amidst global financial instability and economic uncertainties, the research addresses a significant gap by empirically examining Islamic finance's role in infrastructure development. Utilizing descriptive qualitative methodology and a case study approach focused on syndicated financing and the Musyarakah Mutanaqishah (MMq) contract for public utility sectors (electricity, gas, and water), the study analyzes secondary data from OJK and corporate annual reports. Findings reveal a robust and consistent growth in Islamic bank financing for the utilities sector, demonstrating significant resilience. The successful implementation of syndicated financing in renewable energy and water supply projects, alongside the effective use of MMq in mitigating macroeconomic risks and ensuring asset ownership transparency, are highlighted. Substantively, this financing framework aligns with Maqashid Syariah, promoting the protection of wealth (hifdz al-mal) from usury, life (hifdz an-nafs) through enhanced public utilities, and future generations (hifdz an-nasl) by avoiding speculative debt.
Information Systems, Transformational Leadership, and Organizational Culture on Employee Performance with Moderation of Generational Groups Anis Fuuadah; Istiatin Istiatin; Siti Maryam
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (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.v7i9.12984

Abstract

This study aims to examine and analyze the influence of information systems, transformational leadership, and organizational culture on employee performance with generational groups as moderating variables at the Religious Court in the former Surakarta Residency area. This study uses a quantitative approach with descriptive methods. The population in this study were all employees of the Religious Court in the former Surakarta Residency area. Data collection was conducted by distributing questionnaires to respondents who met the research criteria. Data analysis used the Partial Least Square–Structural Equation Modeling (PLS-SEM) method with the help of SmartPLS software through outer model testing, inner model testing, hypothesis testing, and Multi Group Analysis (MGA) to examine differences in influence between generational groups. The results of the study indicate that information systems, transformational leadership, and organizational culture have a positive and significant effect on employee performance. This finding indicates that the better the implementation of information systems, the more effective the transformational leadership implemented by leaders, and the stronger the developing organizational culture, the higher the resulting employee performance. The results of the generational group moderation test indicate differences in the strength of influence between generational groups on the relationship between information systems, transformational leadership, and organizational culture on employee performance. Thus, generational characteristics are a factor that needs to be considered in efforts to improve employee performance in the Religious Court environment in the former Surakarta Residency area..

Page 195 of 197 | Total Record : 1968

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