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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 Analisis Kinerja Bank BTPN Syariah Periode 2021 – 2023 Menggunakan Metode Indeks Maqashid Syariah Akbar Budi Sampurno; Moch Khoirul Anwar; Maryam Bte Badrul Munir
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.v5i12.5368

Abstract

The aim of this research is to determine the performance of BTPN Syariah bank from 2021 to 2023 using the maqashid sharia index method. The instrument for assessing the performance of sharia banks is the maqashid sharia index which measures the success of a business based on the benefits provided to the wider community. This research uses a quantitative methodology with a descriptive approach, utilizing data sources originating from the annual financial reports of BTPN Syariah bank. Research findings show that the value of the maqashid sharia index on the performance of BTPN Syariah bank has fluctuated. This shows that the performance of BTPN Syariah bank in 2021–2023 is not as good as expected in fulfilling maqashid sharia objectives. The decline in the maqashid sharia index ratio value is currently the cause of the performance of BTPN Syariah bank. Additionally, certain ratios, such as reasonable profits and personal income, cannot be calculated. This is because BTPN Syariah bank does not manage zakat funds and does not apply the PER ratio in the financial audit system in its annual financial reports.
Analisis Strategi Pemasaran Produk Fashion dalam Meningkatkan Pendapatan Pedagang Fashion di Era Persaingan Digital Perspektif Bisnis Islam Studi Kasus Pasar Tradisional Modern (PTM) Nurul Aini; Eka Sri Wahyuni; Badaruddin Nurhab
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.v5i12.5369

Abstract

ModernTraditional Market (PTM) of Bengkulu City based on the 4P concept (Product, Price, Place, Promotion) and the STP approach (Segmentation, Targeting, Positioning) in an effort to increase income and compete in the digital era. In addition, this study also explores the application of Islamic values ​​​​in the marketing strategies applied. To test this, researchers used qualitative methods with data collection techniques through in-depth interviews, observations, and documentation studies. From the results of the study, the results of the study indicate that the 4P-based marketing strategy (Product, Price, Place, Promotion) is well implemented by traders in PTM Bengkulu City. Traders are able to adjust products to developing trends, set flexible prices, rely on physical stores for distribution, and carry out traditional promotions. Meanwhile, in the application of STP (Segmentation, Targeting, Positioning), traders apply segmentation based on demographics and shopping behavior, targeting certain segments such as teenagers and the lower middle class, and positioning quality products that are relevant to trends but remain affordable. Islamic values ​​including shiddiq (honest), amanah (trustworthy), tabligh (transparently conveying information), and fathanah (intelligent) are also applied by traders in their marketing strategies. The application of these values ​​helps build consumer trust and maintain good long-term relationships. Thus, this marketing strategy not only helps traders in facing digital competition, but also creates consumer integrity and loyalty.
Pengaruh Dana Desa dan Alokasi Dana Desa Terhadap Kemiskinan Antar Kabupaten di Provinsi Sulawesi Tenggara Halulanga, Ferawati; Bachmid, Gamsir; Ernawati
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.v5i11.5371

Abstract

This study aims to analyze the effect of village funds and village fund allocations on poverty between regencies in Southeast Sulawesi Province. This study is a quantitative study using secondary data. The secondary data used in this study is panel data. Panel data is obtained from a combination of time series data and data from several objects at one time (cross section). The panel data in this study are Village Fund data, Village Fund Allocation and Poverty, using 15 regencies in Southeast Sulawesi Province and in the last 5 years from 2019 - 2023. The results of the study show that Village Funds and Village Fund Allocations have a negative and significant effect on the Poverty variable between regencies in Southeast Sulawesi Province. In this case, the Government is expected to continue the Village Fund and Village Fund Allocation programs to eradicate poverty and strive so that people do not experience poverty again.
Pengelolaan Anggaran Pendapatan dan Belanja Desa Ditinjau dari Partisipasi Masyarakat dan Transparansi di Kecamatan Dimas Arrisky; Rita Martini; Yevi Dwitayanti
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.v5i12.5377

Abstract

The aim of this quantitative research is to determine the influence of Community Participation and Transparency on APBdes. Initial data was obtained from a questionnaire. According to this research, the population consists of six villages in Talang Kelapa District. In this research, purposive sampling technique was used to take 130 individuals as samples. uses purposively chosen criteria to determine topics deemed relevant. The SmartPLS 4.0 program is used to complete data analysis tools with measurement model evaluation and structural model evaluation. This research found that the Community Participation variable makes a significant contribution to the management of village income and expenditure budgets. The transparency variable also makes a significant contribution to the management budget.
Pengaruh Perputaran Piutang dan Perputaran Modal Kerja terhadap Profitabilitas Luthfiyyah Muhadzdzab; Herlina Rasjid; Raflin Hinelo
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.v5i12.5379

Abstract

This research aim to determine the effect of Receivables Turnover and Working Capital Turnover on Profitability in General Insurance Companies Listed on the Indonesia Stock Exchange from 2019 to 2023. The sampling technique for this research is purposive sampling, and the number of samples consists of 9 banking companies. The data collection technique in this research uses secondary data from financial statement data published by General Insurance Companies Listed on the Indonesia Stock Exchange (IDX). The data analysis uses multiple linear regression analiysis, and the data analysis method uses the SPSS 23 application. The test result using multiple linear regression shows that, partially, working capital turnover contributed to a negative and significant effect on profitability, meaning that the increase and decrease in working capital do not affect the profits received by the company. Receivables Tunover hand a positive and significant effect on profitability. Simultan eously, Accounts Receivables Turnover and Working Capital Trunover effected Profitability General Insurance Companies.
Pengaruh Inklusi Keuangan Terhadap Stabilitas Perbankan Syariah di Indonesia Menggunakan Metode Generalized Least Square Alwi Muarif Sembiring Alwi; Nur Laila
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.v5i11.5384

Abstract

The aim of this research is to find out whether financial inclusion has an effect on the stability of sharia banking in Indonesia using the Generalized Least Square (GLS) method. To measure the financial stability of Islamic banking, the inclusion variable contains MSMEs and Deposits, while the stability variable used is NPF. The research method used in this research is quantitative descriptive with the help of the Generalized Least Square (GLS) method which corrects problems in the classical assumption test, which is tested based on Eviews 12 with panel time series data. The research results show that the independent variable MSMEs has a significant effect on NPF. The independent variable Deposits has a significant effect on NPF. Reliability UI results using the F test for the MSME and Deposit variables together have an effect on NPF.
Analisis Dampak Inflasi Terhadap Daya Beli Konsumen dalam Konteks Ekonomi Helin Syafitri; Rozalinda
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.v5i11.5386

Abstract

This study analyzes the impact of inflation on consumer purchasing power in Indonesia, focusing on low-income communities and micro, small, and medium enterprises (MSMEs). Using a descriptive qualitative method, data were collected through in-depth interviews and field observations. The results show that inflation has a significant effect on daily consumption patterns and the quality of life, particularly in meeting basic needs. Moreover, the increase in essential goods prices has triggered social instability in several regions. This study also evaluates government policies in mitigating the impact of inflation and provides recommendations to protect the most vulnerable groups from rising prices. The findings suggest that although fiscal and monetary policies have short-term positive effects, more comprehensive measures are needed for the long term.
Dampak Pembangunan PLTA Batang Toru Terhadap Perekonomian Masyarakat Di Tinjau Dari Perspektif Maqashid Syariah Puspa Indah Sari Pohan; Juliana Nasution; Khairani Tambunan
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.v5i10.5391

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana dampak dampak sosial dan ekonomi serta perbedaan tingkat sosial ekonomi sebelum dan sesudah pembangunan pabrik PLTA di desa Batang Toru, Tapanuli Selatan. Jenis analisis dalam penelitian ini adalah analisis deskriptif kualitatif. Hasil penelitian ini menunjukkan bahwa kondisi sosial yang meliputi tingkat pendidikan, kesehatan dan keselamatan serta kondisi ekonomi yang mencakup tingkat pendapatan, tingkat pekerjaan dan tingkat kesejahteraan. Dengan demikian, sosial dan ekonomi memiliki dampak tingkat sosial dan ekonomi penduduk desa Sulapan setelah pembangunan tenaga air. PLTA yang dapat mendorong kegiatan dan pertumbuhan ekonomi masyarakat Desa Batang Toru melalui perluasan lapangan kerja dan peningkatan pendapatan dan pendidikan.sektor atau lapangan usaha yang menjadi basis perekonomian Batang Toru , terdiri dari sektor yang masih mengandalkan kekuatan sumberdaya alam dan sektor-sektor jasa- jasa. Sektor yang mengandalakan kekuatan alam ,terdiri dari sektor pertanian tanaman pangan, perkebunan, kehutanan, dan perikanan. Sedangkan sektor yang termasuk dalam jasa-jasa terdiri dari jasa perusahaan, jasa kesehatan, kegiatan sosial dan jasa pendidikan.
Pengaruh Kualitas Pelayanan dan Citra Destinasi terhadap Kepuasan Pengunjung dan Loyalitas Pengunjung Destinasi Pantai Lon-Malang Jamilatul Hasanah; Pribanus Wantara
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.v5i10.5393

Abstract

This research aims to determine the influence of service quality and destination image on visitor satisfaction and loyalty of visitors to the Lon Malang Beach destination. This research uses a quantitative approach with analytical methods Structural Equation Modeling (SEM), which is processed using a statistical program SmartPLS version 4. The population in this study consisted of tourists who visited Lon Malang Beach, with a sample size of 100 respondents selected randomly. The main instrument used in data collection was a questionnaire prepared using a Likert scale to measure respondents' perceptions of the variables studied. The research results show that service quality has a significant influence on visitor loyalty, making it the main factor that plays an important role in increasing tourist loyalty at Lon Malang Beach. In addition, destination image was found to have a smaller influence on visitor satisfaction and loyalty compared to service quality. Visitor satisfaction has also been proven to be an important variable in building loyalty, meaning satisfied visitors are more likely to return to visit in the future. Thus, this research highlights that service quality is a key factor in creating visitor loyalty, while destination image makes a more limited contribution to visitor satisfaction and loyalty at Lon Malang Beach.
Analisis Terhadap Kesejahteraan Ekonomi Pedagang Pakaian Impor Bekas (Thrift) Melalui Media Sosial di Kota Medan Nurul Aflah Harahap; Muhammad Yafiz; Budi Hariyanto
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.v5i10.5397

Abstract

This study aims to analyze the economic welfare of used imported clothing traders (Thrift) in Medan City. A qualitative descriptive method was used. Information was obtained through observation and conversations with used imported clothing traders (thrift) in Medan City. The research findings show that the digitalization of trade through social media has had a positive impact on the economic welfare of used imported clothing traders in Medan City. With wider access through social media, traders can reach more potential customers, both within and outside the Medan area. This can increase sales and profits for traders.

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