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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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Analisis Hukum Ekonomi Syariah dalam Transaksi Akad Qardh PayLater pada Aplikasi Shopee Muhammad Rivaldy; Rasta Kurniawati Br. Pinem
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.v5i5.2562

Abstract

The Qardh contract law in muamalat law does not allow the lender to take profit or interest, and this carries usury which is prohibited by Islamic law. This feature uses loans and instant loans with a certain limit amount that can be used for shopping and paid in the following month according to the due date agreed by active users of the marketplace. This research aims to determine the Qardh contract transaction mechanism on Shopee PayLater in accordance with sharia economic law, legal uniformity in prohibiting PayLater, the Shopee Paylater transaction mechanism for online buying and selling using Qardh contracts, and the Shopee Paylater payment system in installments without a credit card. In this research, the type and approach used is empirical, which is usually called field research with a qualitative approach method. Meanwhile, the data collection techniques that researchers use are interviews, observations, documentation and literature review. Then the data analysis used in this research is descriptive qualitative. Based on the results of research and data analysis, it was concluded that the Shopee PayLater transaction mechanism, namely the rules regarding online buying and selling transactions, still refers to the legal terms of the agreement in Article 1320 of the Civil Code. The conditions for a valid agreement in Article 1320 of the Civil Code are as follows: 1) There is an agreement between both parties; 2) The ability to act; 3) The existence of the agreed object; 4) There is a lawful cause. If there is a delay in making payment, the buyer will be subject to a fine of 5%. This amount will continue to increase if the buyer does not immediately pay off the installments. Getting a bad view from the Financial Services Authority (OJK) makes it difficult to get financing from banks or others. Sharia Economic Law regarding Shopee PayLater is whether or not the elements of harmony and buying and selling conditions are met. In practice, regarding the existence of harmony and conditions for buying and selling using Shopee Paylater, it can be explained as follows: 1) Seller and buyer or people who have an agreement (aqid); 2) Sighat (consent and acceptance); 3) Ma'qud'alaih (goods purchased). So, transactions using Shopee PayLater are considered to contain usury.
Pengaruh Motivasi, Kompensasi dan Budaya Kerja Terhadap Kinerja Penyuluh Pertanian di Kabupaten Ogan Ilir Provinsi Sumatera Selatan Lamella Nintha Pinem; Luis Marnisah
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.v5i6.2574

Abstract

This study aims to analyze and demonstrate the Influence of Motivation, Compensation, and Work Culture on the Performance of Agricultural Extension Workers in Ogan Ilir Regency. The methods used in this study are descriptive analysis, classical assumption tests, and multiple linear regression. The results of this study are as follows: (1) Motivation of agricultural extension workers has a positive and significant effect on their performance with a t value of 2.273 > t table 1.653. This motivation enhances the performance of agricultural extension workers when they independently complete their tasks and responsibilities. (2) Compensation has a positive and significant effect on the performance of agricultural extension workers with a t value of 3.435 > t table 1.653. Timely payment of wages or salaries by the institution enhances the performance of agricultural extension workers in independently completing their tasks and responsibilities. (3) Compensation also has a positive and significant effect on the performance of agricultural extension workers with a t value of 3.872 > t table 1.653. A work culture that emphasizes readiness to take risks in responsible work also contributes to the improvement of agricultural extension workers' performance when working independently. (4) Simultaneously, motivation, compensation, and work culture have a positive and significant effect on the performance of agricultural extension workers in Ogan Ilir Regency with a significance level of 0.001 < 0.05 and an F value of 25.832 > F table 2.654. All independent variables have a positive effect on the performance of agricultural extension workers, indicating that the higher the independent variables, the higher the performance of agricultural extension workers in Ogan Ilir Regency..
Pengaruh Kompetensi Sumber Daya Manusia dan Pemanfaatan Teknologi Informasi Terhadap Akuntabilitas Pengelolaan Dana Desa: Studi Kasus Se Kecamatan Suwawa Timur Kabupaten Bone Bolango Ferra Meilisa; Mattoasi; Muliyani Mahmud
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (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.v5i9.2586

Abstract

This research aims to determine the influence of human resource competency and the use of information technology on the accountability of village fund management. The research method used in this research is a quantitative method with an associative quantitative approach. The data used is primary data obtained from distributing questionnaires to Village Heads, Village Secretaries, Heads of Finance and BPD who have served in the last 3 years in East Suwawa District, Bone Bolango Regency. This research involves 3 variables, namely 2 independent variables and 1 dependent variable. Where the independent variable (X1) is Human Resource Competency, the independent variable (X2) is Information Technology Utilization and the dependent variable (Y) is Village Fund Management Accountability. Data analysis in this study used multiple linear regression. The results of the research show 1) Human Resource Competence has a positive and significant effect on accountability in village fund management, 2) The use of information technology has a positive and significant effect on accountability in village fund management, and 3) simultaneously human resource competence and the use of information technology have a positive and significant effect. significant to the accountability of village fund management.
Pengaruh Literasi Keuangan Syariah, Layanan Mobile Banking dan Shariah Compliance Terhadap Minat Menabung pada Bank Syariah dengan Religiusitas Sebagai Variabel Moderasi: Studi Kasus Pada Mahasiswa Ekonomi Islam Surabaya Tegar Qodri Nugroho; Ach Yasin
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.v5i6.2597

Abstract

This research aims to determine the influence of sharia financial literacy, mobile banking services, and sharia compliance on interest in saving at sharia banks with religiosity as a moderating variable (case study of Islamic Economics students in Surabaya). The data used is primary data through distributing questionnaires. The sample used was 370 respondents who were randomly selected based on certain criteria using purposive sampling techniques. The research results show that sharia financial literacy, mobile banking services, and sharia compliance have a significant effect on interest in saving at sharia banks. Meanwhile, religiosity can strengthen the influence of sharia financial literacy on interest in saving at sharia banks. The results of testing the coefficient of determination showed that sharia financial literacy, mobile banking services and sharia compliance had a simultaneous influence of 72% on interest in saving at sharia banks.
Pengaruh Budaya Organisasi dan Komitmen Organisasi Terhadap Kinerja Karyawan Melalui Organizational Citizenship Behavior pada Savana Hotel & Convention Malang Dinda Cahya Imana; Ryan Basith Fasih Khan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (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.v5i9.2600

Abstract

This research aims to examine the variables that influence employee performance and their influence on service sector employees at Savana Hotel and Convention Malang. The type of research used is quantitative with an explanatory approach. Primary data in this study used a questionnaire which was distributed using a questionnaire sheet. The population in this study were employees of the Savana Hotel and Convention Malang and a sample of 100 respondents. Using the Partial Least Square (PLS) analysis method 4. Based on the research results, it shows that the variables of organizational culture and organizational commitment have a significant effect on employee performance at the Savana Hotel and Convention. And the organizational citizenship behavior (OCB) variable is able to mediate organizational culture and organizational commitment on employee performance for Savana Hotel and Convention employees. It can be concluded that if organizational culture improves it will support the formation of organizational commitment then these two variables will encourage high levels of organizational citizenship behavior (OCB), this is usually called employee loyalty, this will increase employee performance.
Pengembangan Pangsa Pasar Terhadap Pelaku UMKM dalam Industri Kreatif Melissa Damayanti; Wiwin Priana Primandhana
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (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.v5i9.2602

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a crucial sector in Indonesia's economy. The lack of thorough preparation by MSME actors results in suboptimal performance. This journal aims to investigate and outline effective market share development strategies for MSME actors in the creative industry. The method used is literature review. The research results show that market analysis, branding strategies, and understanding customs procedures are key in the market share development of MSMEs.
Analisi Perilaku Produsen pada UMKM Muslim Kopikuni: Menggunakan Pendekatan Analisis SWOT Aidil Qontas Hamzah Lubis; Dahrani
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.v5i5.2605

Abstract

The aim of this research is to analyze producer behavior, identify internal and external factors using the SWOT approach in Kokukuni Halal MSMEs. The method used in this research uses a qualitative approach to understand producer behavior in Muslim/Halal Kopikuni MSMEs. The results of this research conclude that there is a significant correlation between producer behavior and marketing of Kupikuni products. In relation to the management function, decision making is the act of selecting alternatives. It was found that an effective strategy that can be implemented is to use the SWOT strategy, which uses all the strengths it has to take advantage of existing opportunities. This is because the location is close together, which means it is strategic and the price is more or less the same. Consumer behavior can influence the amount of demand and needs. Producer behavior is the activity of regulating production so that the product produced is of high quality so that it can generate profits. This producer behavior can influence the amount of production and supply of goods or services. Market behavior is the pattern of market habits, including the decision-making process and individual and organizational activities regarding certain products.
Analisis Kinerja Anggaran Pendapatan dan Belanja Daerah Kabupaten Madiun Tahun 2018-2022 Annisa’ Nur Fitriani; Nur Hayati
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.v5i5.2619

Abstract

This study aims to analyze the performance of the Madiun Regency regional revenue and expenditure budget (APBD) for the 2018-2022 period using descriptive quantitative methods. Secondary data was taken from the annual report of Madiun Regency's budget realization on the official government website, www.madiunkab.go.id. The results of the analysis show a significant increase in the realization of regional own-source revenue (PAD) and overall regional revenue during the period. There are concerns regarding the low fiscal decentralization ratio and high dependence on transfer revenues from the central government. Despite effective PAD realization, Madiun District has not yet achieved the expected fiscal independence. Expenditure variance analysis revealed large variations between the district's expenditure budget and expenditure realization, highlighting the importance of careful budget planning and efficient financial management. This study concludes that Madiun district needs to increase efforts in developing local revenue sources, reduce dependence on transfer revenues, and improve the efficiency and effectiveness of budget management to achieve better fiscal independence and ensure regional financial sustainability.
Analisis Persepsi Masyarakat Terhadap Produk-Produk Perbankan Syariah: Studi Kasus pada Masyarakat Desa Sei Rotan Raya Sari Lubis; Sarwo Edi
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.v5i6.2640

Abstract

This study aims to understand the perceptions of the Sei Rotan Village community towards Islamic banking products and the factors that influence their acceptance and utilization. This qualitative research with a descriptive approach was conducted in Sei Rotan Village, Percut Sei Tuan Sub-district, Deli Serdang Regency, North Sumatra Province. Data were collected through interviews with resource persons from various circles, including community leaders and local entrepreneurs. The results show that most people are aware of the existence of Islamic banks, but the understanding of the products offered still varies. Some have accounts in Islamic banks and understand products such as wadiah savings and Islamic financing, while others only have general knowledge. Some interviewees expressed interest in opening an account at an Islamic bank in the future because they want to avoid usury and transact according to Islamic principles. Factors that influence people's perceptions include knowledge, interest and needs. Limited knowledge results in low understanding of Islamic banking products, while interest is influenced by religious awareness. The need for Islamic banking services also influences people's decisions, where those who feel the need are more interested in using Islamic bank services. The conclusion of this study shows that although there is awareness about Islamic banking, efforts are needed to improve people's understanding of Islamic banking products to encourage wider acceptance and utilization.
Pengaruh Bauran Pemasaran terhadap Minat Nasabah dalam Menabung: Studi Kasus pada PT. BPRS Magetan Daffa Fadhillah Burhanudin; Ach. Yasin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (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.v5i9.2647

Abstract

This research aims to determine the results of research on the influence of the marketing mix on customer interest in savings products at PT. BPRS Magetan. This research used descriptive quantitative methods using a sample of 103 savings product customers as respondents. The distribution of questionnaires was carried out using a Likert scale on variables in the marketing mix, namely, product, price, place, promotion, people, process and physical evidence. This research uses multiple linear regression analysis using instrument data tests, classical assumption tests and hypothesis tests using the t test, f test and r2. The results of this research explain that partially the product, price, place, promotion and people variables have a positive and significant influence on customer interest in saving, while the process and physical evidence variables do not have a positive and insignificant influence on the customer interest variable in saving. Then simultaneously the variables product, price, place, promotion, people, process and physical evidence have a positive and significant influence on customer interest in saving. The results of the coefficient of determination test (R Square) showed that product, price, place, promotion, people, process and physical evidence had a simultaneous influence of 86.5% on customer interest in saving on PT. BPRS Magetan.

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