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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 1,633 Documents
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Pengaruh Harga dan Cita Rasa Terhadap Kepuasan Konsumen pada Kebuli Curry House Karawang Eka Ashri Nurhamidah; Netti Nurlenawati; Dexi Triadinda
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (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.v5i11.4753

Abstract

“Kebuli Curry House is one of the restaurants that sells Middle Eastern specialties, namely Kebuli rice in Karawang. The purpose of this study is to understand the effect of price and taste on customer satisfaction. This research is categorized as quantitative research based on its objectives. Data was collected by distributing questionnaires to 96 respondents online and offline. The purposive sampling method was used for the sampling technique using purposive sampling conditional on the respondent having made a purchase either directly or online as well as eating food from Kebuli Curry House Karawang at least once. Furthermore, multiple linear regression analysis was performed on this data. The results show that price has an insignificant effect on customer satisfaction, while taste has a significant effect on customer satisfaction.”
Hubungan Jangka Pendek dan Jangka Panjang antara Pembiayaan Perbankan Syariah dan GDP di Indonesia dengan menggunakan metode Vector Error Correction Model Zul Ihsan Mu'arrif
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.v5i9.4765

Abstract

This research analyzes the relationship between Islamic bank financing and economic growth as measured by Gross Domestic Product (GDP) using the Vector Error Correction Model (VECM) to explain the short-term and long-term relationship dynamics between these two variables. The results of this research found that there is a long-term negative relationship between Islamic bank financing and GDP. These findings indicate that, although Sharia financing is expected to support economic growth through Sharia-based financial principles, the reality shows that the direct effect on overall economic growth is more complex and not always unidirectional. Apart from that, this research also finds that in the short term, both sharia financing and GDP adjust back to long-term balance after experiencing deviations, which means a strong economic correction mechanism exists. The stable VAR stability test results validate the model's reliability in describing the accurate relationship between sharia financing and economic growth in Indonesia. These findings provide important insights for policymakers and Islamic banking practitioners in developing more effective strategies to encourage inclusive economic growth.
Analysis of The Influence of Sharia Financial Institutions on Economic Growth in The Top Global Islamic Economy Index (GIEI) Countries Leny Indahsari; Heni Noviarita; Muhammad Iqbal Fasa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4774

Abstract

The high level of Muslim growth has resulted in increased spending by Muslims on sharia goods or services. One of them is the increase in demand for sharia financial institutions in 2020/2021, which can be seen from the increase in performance, namely 17 billion or the equivalent of 246% from the previous year. The aim of this research is to determine and analyze the influence of sharia financial institutions on economic growth in 10 Global Islamic Economy Index (GIEI) countries. This research uses a descriptive quantitative research approach with spatial analysis in 2017-2022. The results of this research show that in the short and long term there is spatial dependence on economic growth in the 10 Global Islamic Index (GIEI) countries. The results of the spatial regression analysis show that the independent variables that have a significant influence are the asset value of sharia banks, the value of sukuk assets and the value of takaful assets with spatially correlated values ​​between regions. The asset value of sharia banks and sukuk has a positive effect, this is due to the implementation of the sharia system and the investment made by sharia banks and sukuk which can increase productivity and investment is dominated by sustainable development while takaful has a negative effect on economic growth, this is because most of the assets takaful is invested in the capital market and the public's literacy level regarding takaful is still low.
Analisis Faktor-Faktor yang Mempengaruhi Kinerja Sistem Informasi Akuntansi pada Rumah Sakit Slamet Riyadi Rehaninditya Annisa Wibowo; Anita Wijayanti; Yuli Chomsatu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4781

Abstract

If the use of an accounting information system is not followed by adequate quality from its users, the accounting information system will not function as it should, even if the most sophisticated system design is used. Such problems arise in the use of information systems among employees at Slamet Riyadi Hospital, Surakarta, especially those related to finance. It can be seen from the above phenomenon that there is still dissatisfaction with the quality of the accounting information system used because employees still have difficulty using it. The type of research used is a quantitative approach. The data source used is primary data. This research was conducted at the Slamet Riyadi Hospital, Surakarta, with the research population being employees in the finance and accounting departments who used information systems with a total of 100 people and the sample for this research was 38 people using Saturated Sampling. The results of this research are that there are factors that have a positive influence on the performance of accounting information systems, namely top management support factors, and user involvement and personal technical abilities do not have a positive influence
Camel's Analysis of Banking Financial Performance Listed on The IDX Nur Aini, Sinta; Takarini, Nurjanti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4788

Abstract

Financial performance analysis aims to assess the effectiveness and efficiency of a company's financial management. This study aims to measure the influence of the CAMEL (Capital, Asset Quality, Management, Earning, and Liquidity) variables on the bank's financial performance, which is measured using return on assets (ROA). The method applied in this study is a quantitative approach with multiple linear regression. This study examines the relationship between the independent variable of CAMEL and the dependent variable of financial performance (ROA). The data used is secondary data in the form of annual financial statements from banks listed on the Indonesia Stock Exchange (IDX) for the period 2020 to 2023. The results of the study show that asset quality, liquidity, and capital have no effect on the financial performance of banks, while management and income have a significant influence.  
Pengaruh Rasio Profitabilitas Terhadap Harga Saham: Studi Kasus pada Perusahaan Manufaktur Subsektor Rokok yang Terdaftar di Bursa Efek Indonesia Periode 2014 – 2023 Pratama Darajat, FIkry; Suria Manda, Gusganda
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4791

Abstract

The investigation was directed in order to ascertain, analyzing and describing the effect of Return On Assets, Return On Equity and Net Profit Margin on share prices in cigarettes subsector manufacturing companies Listed with the Stock Exchange of Indonesia during 2014-2023. The method used in the study is descriptive verification through a quantitative approach. The sampling technique used in the study is purposive sampling. Obtained 4 out of 5 populations, namely a total of 40 data. The information utilized in this study is supplementary information gleaned from the Indonesian Stock Exchange website and cigarette company websites. The analysis used is the classical assumption test, multiple linear regression analysis, coefficient of determination (R²) test and hypothesis testing. The results of this study state that the coefficient of determination (R²) test obtained a value of 0.794 or 79.4%, then the remaining 0.206 or 20.6% was stated by other factors not examined. Partial test results show that Return On Assets, Return On Equity and Net Profit Margin influence stock prices, and simultaneous test results show that Return On Assets, Return On Equity and Net Profit Margin influence stock prices. Keywords: Return On Asset, Return On Equity, Net Profit Margin, and Stock Prices.
Pengaruh Ketidakpastian Globalisasi Keuangan dan Investasi Asing Langsung Terhadap Pertumbuhan Ekonomi dengan Pendekatan Akuntansi Arus Dana di Indonesia Tahun 2019-2022 Dewi Ayu Wulandari; Rida Perwita Sari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4796

Abstract

Economic growth is an important indicator that reflects changes in a country's economic conditions toward a better state. Using a cash flow accounting approach, this study examines the effect of uncertainty in financial globalization and foreign direct investment on economic growth in Indonesia from 2019 to 2022. Indonesia's economic growth has fluctuated significantly during the COVID-19 pandemic, with a sharp decline in 2020 and recovery in 2021 and 2022. Global uncertainty and international conflicts, such as the Russia-Ukraine war, have also affected the global and domestic economies. Partial Least Square (PLS) analysis techniques and secondary time series data are used in this study’s quantitative methodology. The findings indicate that while foreign direct investment has a positive and considerable impact on economic growth, financial globalization uncertainty has no discernible impact on Indonesia’s economic growth. These result highlight the role that foreign investment plays in stimulating economic growth as well as the necessity of enacting laws that promote an environment that is favorable to investment. The cash flow accounting method offers a more thorough view of how foreign direct investment affects the domestic economy.
Pengembangan Agrowisata Kopi di Lampung Barat Adam Hafidz Al Fajar; El Fira Zidna Almaghfiro; Evi Fitri Aglina; Wafik Azisa; Wahyu Trisno Aji
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4803

Abstract

This research explores the potential for developing coffee agro-tourism in West Lampung as a strategy to enhance the local economy while supporting sustainability. Although West Lampung is known as one of the top coffee producers in Indonesia, the development of agro-tourism in this region still faces various challenges, such as limited infrastructure, lack of promotion, and minimal community participation. By using a Systematic Literature Review (SLR) approach, this study aims to identify key factors influencing the success of coffee agro-tourism and provide recommendations to address these challenges. The study indicates that the development of coffee agro-tourism has the potential to improve the economic well-being of the community by increasing income, creating jobs, and preserving culture and the environment. Therefore, policies that support the strengthening of human resources, infrastructure development, effective promotion, and community involvement in the development of agro-tourism in West Lampung are needed. The results of this research are expected to serve as a reference for the government, local communities, and investors in designing more effective policies and programs for sustainable coffee agro-tourism development in this region.
Pengaruh Pendidikan Kewirausahaan dan Motivasi Berwirausaha Terhadap Minat Berwirausaha dengan Self-Efficacy sebagai Variabel Intervening: Studi pada Siswa SMK Darut Taqwa Sengonagung Purwosari Pasuruan Nur Rohmad Nuzil; Maslikhatul Uriva Chuswanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4820

Abstract

The author's background is the level of interest in entrepreneurship as seen throughentrepreneurship education, entrepreneurship motivation and self-efficacy, all of whichhave not been categorized as good and meet the entrepreneurship interests of students atDarut Taqwa Sengonagung Vocational School. The formulation of the problem in thisresearch is how entrepreneurship education, entrepreneurial motivation influencesinterest in entrepreneurship through self-efficacy in Darut Taqwa SengonagungVocational School students.The aim of this research is to determine and analyze entrepreneurial educationvariables, entrepreneurial motivation which influences interest in entrepreneurshipthrough self-efficacy in Darut Taqwa Sengonagung Vocational School students.This research was conducted to determine "The influence of entrepreneurshipeducation, entrepreneurial motivation influences interest in entrepreneurship throughself-efficacy as an intervening study variable for students at Darut Taqwa SengonagungVocational School." The strategy used in this research is causal associative research witha quantitative approach, with questionnaires distributed as a collection technique. data.The sampling method uses purposive sampling, namely a sampling technique wherepeople are selected as samples according to the purpose of the research. The sample usedwas 105 respondents through distributing questionnaires. The data analysis method usedin this research is Linear Explanatory. The results of the research state that the variablesEntrepreneurship Education and Self Efficacy have a negative and insignificant effecton Entrepreneurial Interest, while Entrepreneurial Motivation has a positive andsignificant effect on Entrepreneurial Interest.
Peningkatan Literasi Keuangan Syariah Melalui Pelatihan dan Pendampingan Masyarakat Kabupaten Bekasi Sakum; Sukron Mamun; Ali Nur Ahmad; Sarwo Edy; Hamdan Ainulyaqin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4824

Abstract

Financial literacy in Indonesia, especially in the context of sharia financial literacy, shows an alarming level. Financial literacy includes the ability to read, analyze, manage and communicate personal financial conditions. The World Bank survey places Indonesia in the third lowest ranking globally in terms of financial literacy, behind India and China. Data from the Financial Services Authority (OJK) shows that in 2013 and 2016, only around 21.84% and 29.66% of the Indonesian adult population had adequate financial literacy, with the figure among MSMEs even lower, namely 18.71%. An OJK webinar in 2022 revealed that the sharia economic literacy index had only reached 23.3%, far below the national financial literacy index of 49%. This imbalance highlights the need for broader educational efforts to increase public understanding of Islamic financial products. Even though financial education is the key to increasing literacy, in Indonesia, financial education is still rare in schools and universities. Developed countries have actively promoted financial education, while big challenges still exist in Indonesia. In the Islamic context, financial literacy also includes understanding muamalah maaliyah law to ensure halal and fair transactions. This research aims to explore and understand aspects of sharia financial literacy and inclusion through a qualitative approach, with observations and literature reviews in Bekasi Regency. It is hoped that this research can provide in-depth insights and recommendations to increase sharia financial literacy and inclusion more effectively.

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