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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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Responsibilitas Kinerja Kantor Pelayanan Perbendaharaan Negara Surabaya II Dalam Pencairan Dana Manik, Betseba Putricia; Widiyarta, Agus
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.v5i12.4858

Abstract

Responsibility is a measure of how well government administrators exercise their authority in providing and delivering services according to established procedures and regulations. The National Treasury Service Office of Surabaya II can be considered responsible if it performs its duties to the best of its ability and utilizes all available resources effectively and efficiently. This study aims to analyze and describe the responsibility of the service performance of the National Treasury Service Office of Surabaya II in the disbursement of State Budget funds. The research employs a qualitative method with data collection techniques including interviews, observations, and documentation. The results of the study indicate that: 1) The understanding of responsibility in fund disbursement services is good, as employees understand their responsibilities and work units find it easy to submit fund disbursement requests. 2) The delegation of authority corresponding to responsibility in fund disbursement services is excellent, as the authority granted is equivalent to the responsibility assigned. 3) Performance evaluation in fund disbursement services is good, as regular evaluations are conducted with the aim of making improvements in the future. 4) Accurate, fair, and timely actions in providing fund disbursement services are not yet optimal due to the instability of processing times experienced by work units. 5) The commitment of leadership in service delivery is strong, as leaders are committed to entrusting duties and responsibilities to their subordinates.
Pengaruh Iklan, Harga dan Kualitas Layanan Terhadap Keputusan Pembelian Andi Irwin; Ana Yuliana; Nur Asmi Azis; Hasirah; Sri Karuniari Nuswardhani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 8 (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.v5i8.4860

Abstract

In the business world, it is increasingly developing, where the rapid development also experiences continuous metamorphosis. The development of the business also results in changes in the patterns and ways of competitors in maintaining their business. This study aims to determine the Influence of Advertising, Price and Service Quality on Purchasing Decisions. The current analysis uses a quantitative approach. The population of this study are consumers or customers who have purchased goods or services on purchasing decisions. Samples were taken from the population, and the selection of this research sample was determined by random sampling to produce a sample of 150 respondents. The results of the study found that the variables of advertising, price and service quality influence purchasing decisions.
Peran Ekonomi Digital Terhadap Ketahanan dan Pertumbuhan Ekonomi di Indonesia Abdillah Arif Nasution; Tirsa Neyatri Bandrang; Dewi Mariam Widiniarsih; Muhammad Syaiful; Abdul Razak Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 8 (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.v5i8.4861

Abstract

This study aims to determine the role of the digital economy in economic resilience and growth in Indonesia. This research approach collects data through literature studies, which involve reading literature from various sources including books, journals and reports using qualitative and deductive approaches. The findings in this study are. The potential of the digital economy greatly influences the resilience and growth of the Indonesian economy, this is able to make Indonesia the largest digital economy market share. The existence of the digital economy is greatly felt by the community, forcing related parties to design new strategies by adopting digitalization, which is dominated by innovation in technology, information, communication, and the increasing development of internet networks. The digital economy has a very important role in economic resilience and growth in Indonesia. Some of these roles include increasing efficiency and productivity, expanding markets, creating new jobs, and increasing innovation.
Dampak Implementasi Kurikulum Merdeka Jenjang PAUD Terhadap Motivasi dan Kinerja Guru Adim Dwi Putranti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 8 (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.v5i8.4862

Abstract

Permasalahan yang dihadapi bangsa Indonesia di era globalisasi saat ini menuntut sumber daya manusia yang lebih kompetitif dan berkualitas agar mampu bersaing dengan bangsa lain. Ini dapat dicapai dengan memperbanyak jumlah orang yang bekerja dibidang pendidikan. Dalam proses kegiatan belajar mengajar, kurikulum merupakan suatu aspek yang sangat penting karena kurikulum sendiri menentukan isi serta tujuan akan dibawa ke arah mana suatu proses pendidikan tersebut. Kurikulum disini berperan sebagai pedoman penting dalam proses pendidikan yang dimana bukanlah sesuatu yang bersifat mutlak, namun ia berjalan dan mengalir selaras dengan kebutuhan proses pendidikan itu sendiri. Penelitian ini bertujuan untuk mengetahui pengaruh Dampak Implementasi Kurikulum Merdeka Jenjang PAUD Terhadap Motivasi dan Kinerja Guru. Jenis penelitian ini adalah penelitian kuantitatif. Penelitian ini berlokasi di Kota Kudus, Jawa Tengah. Populasi dari penelitian ini adalah guru PAUD yang didapat sebanyak 100 responden. Hasil penelitian ini telah menemukan bahwa Dampak Implementasi Kurikulum Merdeka Jenjang PAUD Berpengaruh Terhadap Motivasi Guru dan Kinerja Guru.
Pengaruh Lingkungan Kerja dan Disiplin Kerja Terhadap Kinerja Guru SMP Negeri 2 Babakancikao Purwakarta Fikri Irfan Muhyidin Radiningrat; Wanta; Dwi Epty Hidayaty
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.v5i11.4865

Abstract

Human Resources, especially teachers, have a very large influence and are considered the main key in improving the quality of schools and educational goals. However, there is still a lack of collaboration and cooperation between teachers and between teachers and education staff, and the high rate of absenteeism without obvious reasons is also a significant problem that affects the continuity of learning. The purpose of this study is to determine the influence of work environment and work discipline on teacher performance partially and simultaneously at SMP Negeri 2 Babakancikao Purwakarta. The research method used is a quantitative method with data collection techniques through observation, questionnaires and interviews. The sample used was 31 people (saturated sample). Data analysis using multiple linear regression data analyzer with the help of SPSS software version 26. The results of the study show that the work environment has no effect on teacher performance. Meanwhile, work discipline has an effect and is significant on employee performance. Simultaneous hypothesis testing shows that the work environment and work discipline together have a significant influence on teacher performance. This research has important implications for the development of management policies and practices in the educational environment. Good work discipline contributes positively to teacher performance and improves performance to achieve organizational goals..
Pengaruh Preferensi Konsumen, Digital Marketing, dan Lifestyle terhadap Keputusan Pembelian Pada Cafe Edelweiss Wonokitri, Pasuruan Nur Rokhmad Nuzil; Nofan
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.v5i12.4882

Abstract

This study aims to comprehensively analyze the influence of consumer preferences, digital marketing, and lifestyle on purchasing decisions. The research employs a quantitative approach using multiple linear regression analysis to determine the relationships among these variables. Data was meticulously collected through well-structured questionnaires distributed to a diverse group of respondents who had recently made purchases, ensuring a broad representation of consumer behavior. The analysis results indicate that the variables of consumer preferences, digital marketing, and lifestyle each have a positive and statistically significant effect on purchasing decisions. Specifically, consumer preferences play a pivotal role in shaping purchasing behavior, while digital marketing efforts effectively reach and engage target audiences. Additionally, lifestyle alignment with consumer trends further enhances the likelihood of purchase decisions. These findings suggest that businesses aiming to improve their sales performance should focus on enhancing consumer preferences through personalized offerings, employing effective digital marketing strategies that resonate with target audiences, and aligning products and services with the relevant consumer lifestyles. In conclusion, consumer preferences, digital marketing, and lifestyle are critical factors that businesses should strategically consider when developing comprehensive and effective marketing strategies to boost purchasing decisions and achieve sustained growth.
Analyzing The Level of Knowledge, Awareness and Attitude of Muslim Students Towards Halal Medicine In Yogyakarta Auratul Atifah Harbit; Hendra Ramadan; Siti Nur Azizah
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.v5i12.4898

Abstract

This research aims to examine the influence of public knowledge, awareness and attitudes towards halal medicines. The sample for this research was 100 respondents selected using a purposive sampling method in Yogyakarta. Data was collected through questionnaires distributed via social media and analyzed using multiple linear regression. The research results showed that the variables of knowledge, awareness and attitude were 61.4% regarding the halalness of medicines. Meanwhile, other factors contributed 38.6%, the rest was influenced by other variables. So, the knowledge variable has an insignificant influence, while awareness and attitude have a positive and significant influence on the halalness of medicines. This shows that Muslim students tend to still have low knowledge regarding understanding the halal nature of medicines. Apart from that, awareness and attitude also have different positive influences on the halalness of medicines. These findings have implications for the government, pharmaceutical factories and related agencies to pay more attention to the halalness of medicines in an effort to maintain public health and public trust. On the other hand, this research also contributes to researchers in the pharmaceutical field by enriching the literature regarding factors that influence the halalness of medicines.  
Peran Manajemen Inovasi dalam Mendorong Pertumbuhan Ekonomi Masyarakat Fitriani Fajar; Delyana Rahmawany Pulungan; Eva Yuniarti Utami; Nurjanna Ladjin; Krisna Meidiyantoro B.
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.v5i9.4948

Abstract

One of the elements in increasing the country's economic growth is measured by the country's ability to innovate. This is because innovation can encourage sustainable productivity increases that can increase economic growth. This study aims to determine the role of management innovation in encouraging community economic growth. This research approach collects data through literature studies, which involve reading literature from various sources including books, journals and reports using qualitative and deductive approaches. The findings in this study are that management innovation plays an important role in encouraging community economic growth, these roles include increasing productivity and efficiency, creating jobs, encouraging economic growth, killing and managing resources, and resilience and adaptation. There are two things that are the benchmarks for the success of an innovation, namely Technical resources (human, equipment, knowledge, and financial), and Ability (capability/ability of the country to manage resources at the point of technical resources
Analisis Perilaku terhadap Niat Berinvestasi Khaerudin Sidik Patoni; Nurjanna Ladjin; Eva Yuniarti Utami; Alfiana; Natal Kristiono
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.v5i9.4949

Abstract

This study aims to determine and analyze the influence of behavior on investor intentions. This study uses primary data. The sample used was 100 respondents, namely people who have invested, have worked and have a fixed income. The sampling technique used nonprobability sampling, precisely the respondent accidental technique by distributing questionnaires. This type of research is quantitative research, then the data was analyzed using research instrument tests (validity and reliability tests), multicollinearity tests, multiple regression analysis (regression models, determination coefficients, F tests, t tests), and classical assumption tests (heteroscedasticity tests, normality, assistance and autocorrelation) with the SPSS software program version 25.0. The results showed that financial behavior has a positive and significant effect on investment intentions. This shows that the better a person's level of financial behavior, the better their investment intentions will be. Investment knowledge has a positive and significant effect on investment intentions. This shows that the better a person's level of investment knowledge, the better their investment intentions will be. Financial literacy has a positive and significant effect on investment intentions. This shows that the better a person's level of financial literacy, the better their investment intentions will be.
Optimalisasi Partisipasi Anggota Koperasi Mahasiswa Melalui Digitalisasi Layanan Serta Potensi Pengembangan Bisnisnya Muhammad Syaiful; Sapriyadi, Sapriyadi; Syakila, Syakila
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (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.v5i10.4962

Abstract

The demand to transform conventional systems into ones that utilize digital platforms is inevitable. Digital transformation is crucial, especially in the customer service sector, to facilitate transactions for consumers. The opportunity to undertake digital transformation within cooperatives is wide open due to the rapid technological advancements today. The specific objective of this research is to understand how the digitalization of services conducted by student cooperatives contributes to enhancing member participation, and also to identify the potential for the development of student cooperative businesses. This research is conducted at the Student Cooperative of Economics Education in Kendari City, Southeast Sulawesi. Informants for this study consist of cooperative advisors, management members, cooperative members, and alumni who were members of the cooperative. Data collection for this research was obtained through three methods: observation of the research location, interviews with the informants, and literature review. Data reduction, data presentation, and drawing conclusions are the methods used to analyze the qualitative data obtained from interview results. The research findings reveal that the student cooperative management has taken initiatives to optimize member participation, such as developing the "KopmaKu" application, attempting collaboration with third-party cooperative application developers, and working towards implementing Quick Response Code Indonesian Standard (QRIS) as a payment system. Student cooperative business units have significant potential to provide benefits and opportunities for alumni. These cooperatives serve not only as places for purchasing essential items, but also as platforms for collaboration, empowerment, and connections between students and alumni. The student cooperative business units can serve as a strong bridge between students and alumni. Alumni can collaborate with students in various aspects, including the provision of products or services, training, and even funding.

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