cover
Contact Name
Dhita Febyanti
Contact Email
editor@ijefm.co.in
Phone
+6281315458523
Journal Mail Official
editor@ijefm.co.in
Editorial Address
Jl. Raya Pemda Pajeleran Sukahati No. 41 Cibinong, Bogor. 16913
Location
Kab. gresik,
Jawa timur
INDONESIA
Journal of Ekonomics, Finance, and Management Studies
ISSN : 26202956     EISSN : 27470490     DOI : https://doi.org/10.47467/elmal.v5i12
Core Subject : Religion, Economy,
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.
Articles 1,633 Documents
Pengaruh Sharia Compliance dan Islamic Corporate Governance Terhadap Kinerja Keungan Bank BPRS Paduarta Sinsani Medan Abul Khoidir Nasution; Syahrul Amsari
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.v5i4.2037

Abstract

This study explores the influence of Sharia Compliance and Islamic Corporate Governance on the financial performance of Bank BPRS Paduarta Insani Medan. Using an associative approach and employing purposive sampling techniques, the research utilizes primary data analyzed with SPSS 25 software. The results of the normality test indicate that the research data is normally distributed. The multicollinearity test shows no symptoms of multicollinearity among independent variables. The results of the partial regression test (t-test) demonstrate that both Sharia Compliance and Islamic Corporate Governance have a positive and significant impact on the financial performance of Bank BPRS Paduarta Insani Medan. The coefficient of determination (R2) is 0.961, signifying that the independent variables can explain 96.1% of the variation in the bank's financial performance, while the remaining percentage is influenced by other variables outside the regression model. In conclusion, Sharia Compliance and Islamic Corporate Governance have a positive and significant influence on the financial performance of Bank BPRS Paduarta Insani Medan. These findings are consistent with previous research that supports the importance of Sharia compliance and good corporate governance in the context of Islamic banking.
Faktor-Faktor Yang Mempengaruhi Tingkat Kepercayaan Masyarakat Terhadap Lembaga Keuangan Syariah: Studi Kasus Masyarakat Kabupaten Labuhan Batu Selatan Widia Wulandari; Dahrani
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.v5i4.2051

Abstract

The development of Information Technology should make companies grow more rapidly, including Sharia Financial Institutions, both in terms of receiving and distributing funds, but in reality we can see that Islamic financial institutions still tend to be less developed than conventional financial institutions, this is caused by many factors, and Therefore, the aim of this research is to find out whether human resources in Islamic financial institutions, namely employees and the products offered, can influence the level of public trust in Islamic financial institutions, either partially or simultaneously. This type of research is quantitative using a questionnaire as a data collection method which is then tested using multiple linear regression analysis. The research results show that human resources or employees from Islamic Financial Institutions have a positive influence with a significant value of 0.000, while the products offered influence Islamic financial institutions with a significant value of 0.000, while simultaneously the two independent variables have a positive influence with a significance value of 0.000.
Analisis Faktor Eksternal dan Faktor Internal yang Mempengaruhi Marketing Reach pada Perkembangan UMKM: Studi Kasus pada UMKM di Kabupaten Serdang Bedagai Wahyu Fitria Anggraini; Rahmayati
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.v5i4.2052

Abstract

Micro, Small and Medium Enterprises have the ability to create jobs at minimum cost. Small and medium-sized companies are pioneers in the world of innovation and have high flexibility that allows businesses to meet customer needs. The type of research used is quantitative. The population in this research is MSME owners in Serdang Begadai district, based on data from the Serdang Begadai District Government until 2023 who come from the fields of agriculture, trade, services and small industry. Until now, not many MSMEs have implemented go digital (Serdang Begadai Regency Government, 2024), the sampling method used in this research is Probability Sampling (Random Sample), the type used is Cluster Sampling. Before testing the hypothesis, a prerequisite test for proving the hypothesis is carried out. In this study, the model used by the researcher is multiple linear regression. Based on the research results, it can be concluded that in general the role and existence of external and internal factors are recognized as factors and figures of interest through government, social and economic policies as well as the role of related institutions in running a business because business actors cannot run alone to carry out and develop business. External and internal factors that are indicated to have a positive influence are the capital aspect, that basically most business actors when running their business tend to prefer to use their own capital rather than taking out loans because they feel more at ease using their own capital
Pengaruh Religiusitas, Kepercayaan dan Pengetahuan Terhadap Minat Masyarakat Menabung di Bank Syariah Indonesia: Studi Kasus Masyakat Desa Tanjung Sari Dinda Adela; Maya Sari
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.v5i4.2053

Abstract

This research aims to see the influence of Knowledge, Religiosity and Trust factors on interest in saving in Sharia Banking among the people of Tanjung Sari Village. The sample in this research focused on the people of Tanjung Sari Village who were customers of the Indonesian Sharia Bank, totaling 30 people. The analysis used is multiple linear regression analysis with the help of SPSS. Based on this research, the results of the analysis show that there is a positive influence between the Religiosity variable on Interest in Saving at Indonesian Sharia banks. In the research results above it is explained that the resulting significant value is 0.000 < 0.05, which means a person's level of religiosity also influences interest in saving at the bank. Indonesian Sharia. The results of the analysis show that there is a positive influence between the Trust variable on interest in saving at Indonesian Sharia banks among the people of Tanjung Sari Village. In the research results above, it is explained that the resulting significant value is 0.000 < 0.05, which means that a person's level of trust influences a person's interest in saving at a sharia bank. And the analysis shows that knowledge, religiosity and trust together (simultaneously) have a positive effect on interest in saving at Islamic banks. This is shown by the results of the F test which obtained a sig value of. 0.000 < 0.05 from this value, it can be seen that the Fcount value is greater than Ftable, which means that the variables Knowledge, Religiosity and Trust together have a positive effect on Interest in Saving at Bank Syariah.
Peran Influencer, Fitur Live Streaming dan Electronic Word Of Mouth Terhadap Keputusan Pembelian Produk Skincare The Originote pada Aplikasi Tik Tok Usman, Dhea Monicha; Hariasih, Misti; Pebrianggara, Alshaf
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (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.v5i5.2063

Abstract

The Tik Tok application has become one of the most popular digital media that is widely used by entrepreneurs as an online shopping platform and has around 99.1 million users in Indonesia in 2021, with an average of 68% female users and 32% male users. This research aims to examine the role of influencers, live streaming features and electronic word of mouth on purchasing decisions for The Originote skincare products on the Tik Tok application. With an unknown population, the Lemeshow formula is used to calculate the sample size, with 100 respondents. This research is quantitative and uses the Smart PLS analysis tool. The research results show that Influencers have a significant positive effect on Purchasing Decisions, the Live Streaming Feature has a significant positive effect on Purchasing Decisions and Electronic Word of Mouth has no effect on Purchasing Decisions for The Originote Skincare Products on the Tik Tok Application.
Pengaruh Keseimbangan Kehidupan-Kerja, Keterlibatan Karyawan dan Kepuasan Kerja Terhadap Kinerja Karyawan Dinda Permatasari; Dewi Andriani; Vera Firdaus
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.v5i6.2069

Abstract

This study aims to determine the effect of work-life balance, employee involvement and job satisfaction in improving the performance of PERUMDA Delta Tirta Sidoarjo employees both partially and simultaneously. The research method used is a quantitative method using a 1-5 Likert scale analysis tool which is then tested using SPSS 24 software. The data collection technique in this study used a questionnaire distributed via a google form link. The population in this study were all employees who worked at the Head Office of PERUMDA Delta Tirta Sidoarjo, totaling 363 people. The sample size in this study was 190 determined using the slovin formula. The sampling method used is non probability sampling using proportional random sampling. The results of this study indicate that work-life balance, employee involvement and job satisfaction partially and simultaneously have a positive and significant effect in improving the performance of PERUMDA Delta Tirta Sidoarjo employees. From the results of the coefficient of determination, it is known that the magnitude of the contribution of work-life balance variables, employee involvement and job satisfaction affects employee performance variables by 46.7% and the remaining 53.3% is influenced by other variables not used in this study.
Strategi Pemasaran dalam Meningkatkan Daya Saing Usaha Keripik Usus Mardha Desa Badrain Kecamatan Narmada Kabupaten Lombok Barat Ida Mawadah; Zaenudin Mansyur; Muh. Azkar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (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.v5i5.2072

Abstract

The background of this research is the existence of sharp competition between companies, both because of the increasing number of competitors, increasing product volume and rapidly increasing technological developments. This forces companies to pay attention and know what kind of marketing strategy is implemented by the company. The focus is this study was to describe the implementation of the marketing strategy of the intestine Mardha Chips Business in increasing competitiveness and the impact of the marketing strategy implementation by the intestine Mardha Chips Business. This study used qualitative descriptive type approach. Data collection methods used were observation, interview and documentation methods. The results of this study indicate that (1) Mardha Intenstinal Chips Business used a good marketing strategy, namely by conducting market segmentation, target market, market position and marketing mix which includes product strategy, price strategy, location and distribution strategy, and promotion strategy; (2) The marketing strategy implemented by Mardha intestine Chips Business has had positive impacts including increasing sales, adding value to the family economy, prodiving satisfaction to consumers with quality product and affordable prices and expanding market share.
Pengaruh Insentif, Target Penjualan, dan Kepuasan Kerja Terhadap Kinerja Karyawan Frontliner PT. Accentuates Sugeng Riyadi; Farid Al Rizky
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (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.v5i5.2073

Abstract

The purpose of this study is to investigate and demonstrate if work happiness, sales objectives, and incentives affect frontline staff' performance. PT. Highlights. This research technique combines an explanatory research approach with quantitative research tools. Questionnaires and secondary data were the methods utilized to acquire the data. Multiple regression is used in the data analysis process with the use of SPSS software. The multiple regression test findings indicate that the incentive variable b1 = 0.393: the employee performance incentive variable's regression coefficient value will be higher, demonstrating that incentives have a considerable impact on frontline workers' performance. It is established that sales objectives have a major impact on frontline workers' performance, as shown by PT. Accentutaes, in the sales target variable b2 = 0.357, where the regression coefficient value of the sales target variable employees will also improve. PT. Highlights. Additionally, the job happiness variable's regression coefficient value, b3 = 0.397, will also increase, demonstrating the substantial impact that work contentment has on frontline employees' performance. PT. Highlights. With a computed t value of 5.998, a t table value of 1.979, and a significance value of 0.000 < 0.05, the incentive variable (X1) significantly affects frontline staff performance. PT. Highlights. With a computed t value of 4.710, a t table value of 1.979, and a significance value of 0.000 < 0.05, the sales goal variable (X2) significantly affects frontline staff performance. PT. Highlights. With a computed t value of 6.390, a t table value of 1.980, and a significance value of 0.000 <0.05, the work satisfaction variable (X1) significantly affects frontline employees' performance, according to PT. Accentuates.
Analisis Strategi Promosi Pembiayaan Murabahah dalam Meningkatkan Jumlah Anggota di BMT Al-Iqtishady Kota Mataram: Studi Kasus di BMT Al-Iqtishady Kota Mataram Nunung Harianti; Muslihun; Pongky Arie Wijaya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (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.v5i5.2074

Abstract

BMT Al-Iqtishady Mataram City is a sharia-based financial institution. This company operating in the service sector uses 2 promotional media, namely online media and offline media. The online media used by BMT is websites, Instagram and Facebook. Meanwhile, for offline media, BMT uses brochures. This research is qualitative research that is descriptive qualitative in nature, trying to describe the research results obtained in the field. The types of data used in this research are primary and secondary data with the data sources used consisting of; General Manager, Customer Service (CS), Funding, PPOB Unit Manager, and Finance with data collection techniques used by researchers in the form of Non-Participant Observation, Structured Interviews, and Documentation. The data obtained is then processed in the form of words which are then expressed in the form of a description or narrative. The results of this research are financing promotion strategies, especially murabahah, BMT Al-Iqtishady does not carry out specific promotions per product. However, BMT carries out overall promotions where the main aim is to increase the number of members. Because, joining the community as members is one of the requirements that must be met if financing is to be carried out.
We Trust In Green Product: The Impact Of Green Marketing And Packaging On Purchase Intention Nila Nailatul Magfiroh; Amelindha Vania
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.v5i6.2085

Abstract

Customers in Malang City's Generation Z are becoming more conscious of the harm that plastic garbage is doing to the environment. This study investigates the significance of green trust in establishing a connection between the impact of green packaging and marketing and the desire to make green purchases. 170 respondents made up the study's sample and were chosen based on predetermined criteria using a purposive sampling approach. The Partial Least Square (PLS) technique and descriptive statistical analysis were used in the data analysis. The results obtained suggest that green marketing and green packaging have a significant positive effect on green trust. Green trust has a significant positive impact on green purchase intention. Green marketing and green packaging have a significant positive effect on green purchase intention. Green faith acts as a strong mediating factor in the relationship between green marketing and green purchase intention, as well as between green packaging and green purchase intention.

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