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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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Analisis Piutang pada PT Pos Indonesia Regional V Surabaya Hayati Sivak; Anita Handayani
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.v5i12.6345

Abstract

This study aims to explore the management of receivables at PT Pos Indonesia Regional V Surabaya, focusing on the control of problematic receivables, credit analysis, and collection procedures. Using a qualitative case study approach, data were collected through in-depth interviews, observations, and document reviews, including aging reports of receivables. The results indicate that 74% of receivables are over six months old, reflecting inefficiencies in credit risk assessment and collection practices. To reduce problematic receivables, the implementation of more effective management strategies is recommended, such as credit feasibility analysis, a more structured credit sales policy, and strengthening internal controls. These steps are expected to stabilize cash flow and improve the quality of service to customers.
Pengaruh Sertifikasi Halal dan Pemasaran Syariah Terhadap Peningkatan Penjualan Usaha Mikro Kecil di Kabupaten Jepara Nanda Kharimatun Nikmah; Aan Zainul Anwar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5290

Abstract

This study aims to analyze the effect of halal certification and sharia marketing on increase sales of micro and small businesses in Jepara district. This study is a descriptive quantitative study, primary data obtained by distributing questionnaires via google form which is measured by a likert scale. The population in this study was 2,283, it is known that the number of samples using the slovin formula with the purposive sampling method was 97 business actors who already had halal certification, after that a multiple linear regression analysis was conducted using SPSS 22 software. The results of the study simultaneously showed a significant positive effect on increasing sales. Then, the partial results showed that halal certification was significantly positive on increasing sales, and sharia marketing was significantly positive on increasing sales.
Pengaruh Kecerdasan Emosional dan Stres Kerja Terhadap Burnout pada Karyawan Manufaktur di Kabupaten Karawang Dimas Prabowo; Cempaka Putrie Dimala; Ananda Saadatul Maulidia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5296

Abstract

This This research aims to examine the influence of emotional intelligence and work stress on burnout in manufacturing employees in Karawang district. Participants in this research were employees of manufacturing companies in Karawang district and domiciled in Karawang district with a total of 383 participants. The method used is quantitative with a causality design and accidental sampling technique. Data was collected using psychological scales including the Emotional Intelligence Questionnaire (EIQ) scale from Goleman (2009) to measure emotional intelligence, the Job Stress Scale (JSS) which was prepared referring to the theory of Parker dan DeCotiis (1983) to measure the work stress scale and the Oldenburg burnout scale. inventory (OLBI) to measure burnout tendencies. Data analysis used in this research is normality test, linearity test, multiple regression test and coefficient of determination with the help of the SPSS program. Based on the results of research that has been conducted, there is an influence of emotional intelligence and work stress on burnout with a significance value of 0.000. The results of the coefficient of determination test show that emotional intelligence and work stress on burnout have an influence of 28.8%. Further research is recommended to focus on more specific and contextual intervention strategies according to the needs of manufacturing employees in Karawang district.
Pengaruh Literasi Keuangan, Teknologi Keuangan dan Efikasi Keuangan Terhadap Inklusi Keuangan pada Era Digital dengan Perilaku Keuangan sebagai Variabel Mediasi Mira Tri Wahyuni; Diarany Sucahyati; Diah Hari Suryaningrum
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5400

Abstract

This research investigates the connection between financial literacy, financial technology, financial efficacy, financial inclusion and financial behavior on the digital era. This study utilizes the theory of planned behavior (TPB). The method of gathering data applied was stratified judgmental sampling utilizing a questionnaire with a population of undergraduate accounting students in East Java resulting in 110 samples from Airlangga University, UPN Veteran Jawa Timur, and Terbuka University. PLS-SEM was employed as a technique for data analysis with produced research findings, namely financial literacy, financial technology has a positive effect on behavior and financial inclusion, and financial behavior has a positive effect on financial inclusion. In addition, financial behavior is able to mediate the effect of financial literacy and financial technology on financial inclusion. However, financial efficacy has no effect on behavior and financial inclusion and financial behavior cannot mediate the effect of financial efficacy on financial inclusion.
Analisis Faktor-faktor yang Mempengaruhi Minat Penggunaan Fintech Lending Muhammad Hatif Haqqi; Avi Sunani; Diah Hari Suryaningrum
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5401

Abstract

Penelitian ini berupaya menyelidiki unsur-unsur yang memengaruhi minat penggunaan fintech lending dengan menggunakan teori Technology Acceptance Model (TAM), seperti persepsi kemudahan penggunaan, persepsi kegunaan, persepsi risiko, persepsi kepercayaan, persepsi inovasi, dan persepsi kesehatan finansial. Data primer digunakan dalam penelitian kuantitatif ini. Kuesioner digunakan sebagai sarana pengumpulan data dalam penelitian ini. Populasi penelitian ini terdiri dari 11.661.009 entitas, yang semuanya adalah penduduk Jawa Timur dan menggunakan fintech lending. Sampel sebanyak 145 entitas disurvei menggunakan metode purposive sampling. Analisis SEM-PLS dilakukan dengan menggunakan SmartPLS versi 4.0. Temuan penelitian ini menunjukkan bahwa persepsi kemudahan penggunaan, persepsi kegunaan, persepsi kepercayaan, persepsi inovasi, dan persepsi kesehatan finansial berpengaruh terhadap sikap. Sebaliknya persepsi risiko tidak berpengaruh terhadap sikap, serta sikap berpengaruh terhadap minat penggunaan fintech lending. Persepsi kemudahan penggunaan mempengaruhi persepsi kegunaan. Temuan lain sikap dapat memediasi pengaruh persepsi kemudahan penggunaan, persepsi kegunaan, persepsi kepercayaan, persepsi inovasi, dan persepsi kesehatan finansial terhadap minat penggunaan fintech lending.
Pengaruh Penerapan Standar Akuntansi Keuangan dan Tax Planning Terhadap Kualitas Laporan Keuangan UMKM Kabupaten Karawang Siti Nur Haliza; Yanti; Rohma Septiawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5418

Abstract

This research aims to evaluate and test the effect of implementing EMKM financial accounting standards and tax planning on the quality of MSME financial reports in Karawang Regency. This research uses quantitative methodology with primary data collection. The sample for this research only consists of MSMEs based in Karawang Regency. The number of samples for this research was one hundred respondents. This research focuses on MSMEs in Karawang Regency. Using PLS and SmartPLS 3.0, analyze the relationship between dependent and independent variables. The findings of this research show that the application of EMKM accounting standards and tax planning has a positive and significant effect on the quality of MSME financial reports.
Pengaruh Relative Advantage dan Compatibility Terhadap Adopsi Qris pada Usaha Mikro dan Kecil Kabupaten Karawang Abdul Yusuf; Tiar Lina Situngkir; Rabhi Fathan; Ridho Fadilah Yuslen
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5444

Abstract

This research uses quantitative methods with descriptive and verification approaches. The population in this research is Karawang Regency Micro and Small Bussines. Based on Isaac and Michael's calculations, the sample for this study was 383 respondents. The sampling method used in this research is simple random sampling. This research uses range-of-scale analysis techniques and SEM-PLS with Smart PLS and Microsoft Excel tools. The results of the research show that there is a partial influence of Relative Advantage and Compatibility on Adoption, namely 31.7% and 29%.
Pengaruh Bauran Pemasaran Terhadap Keputusan Pembelian Pupuk Organik pada CV Tani Sejahtera Utama Alisia Saputri; Ekalia Yusiana; I Ketut Manu Mahatmayana
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5451

Abstract

                CV Tani Sejahtera Utama is a company that has produced various kinds of organic fertilizers since 2021. CV Tani Sejahtera Utama is experiencing several problems, one of which is the number of emerging competitors that can reduce sales. This research aims to analyze the influence of the marketing mix on purchasing decisions and analyze marketing strategies to increase sales at CV Tani Sejahtera Utama. The method used is purposive sampling with a sample used for the first analysis of 60 respondents and the second analysis of 6 informants. This research data analysis uses multiple linear regression analysis and QSPM analysis. The results showed that the variables of product, price, place, promotion, people, process, and physical evidence simultaneously influenced purchasing decisions. Product, price, place, promotion, people, and process partially influence purchasing decisions, while place and physical evidence have no partial influence on purchasing decisions. Based on the results of the QSPM analysis, the alternative strategy is to improve company planning to increase sales volume with a TAS score of 7.33.
Pengaruh Perceived Ease of Use, Perceived Usefulness, dan Trust Terhadap Kepuasan Konsumen Pengguna Dompet Digital Ovo di Kota Surabaya. Leli Hutahaean; Indah Respati Kusumasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5462

Abstract

                OVO is a payment service provider application designed to simplify cashless transactions and provide access to additional digital financial products and services through partnerships with selected collaborators. This study aims to evaluate how Perceived Ease of Use, Perceived Usefulness, and Trust affect user satisfaction with the OVO Digital Wallet, both collectively and individually. The research involved a sample of 100 respondents selected from an unspecified population, with data analyzed using SPSS. The findings indicate that Perceived Ease of Use, Perceived Usefulness, and Trust together influence customer satisfaction. While Perceived Ease of Use and Perceived Usefulness partially impact customer satisfaction, Trust does not show a significant partial influence.
Analisis Sistem Informasi Akuntansi, Kualitas Laporan Keuangan, dan Efektivitas Pengambilan Keputusan terhadap Kinerja UMKM Metyria Imelda Hutabarat; Subur Harahap; Ika Wulandari; Nelly Ervina
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): 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.v6i1.5477

Abstract

Analysis of accounting information systems, the quality of financial reports, and the effectiveness of decision making have a significant role in improving the performance of Micro, Small and Medium Enterprises (MSMEs). This research aims to analyze accounting information systems, the quality of financial reports, and the effectiveness of decision making on the performance of MSMEs in Medan City. This research is descriptive research. This research is classified as quantitative research using data obtained from 100 respondents consisting of MSME units. The data collection stage was carried out using an instrument in the form of a questionnaire. The partial results show that the accounting information system has a positive and significant effect on the performance of MSMEs in Medan City. The accounting information system has a positive and significant effect on the performance of MSMEs in Medan City. Apart from that, the effectiveness of decision making has a positive and significant effect on the performance of MSMEs in Medan City. The adjusted R Square value was proven to be 45.1%. Simultaneous results found that accounting information systems, financial report quality, and decision-making effectiveness have a positive and significant effect on the performance of MSMEs in Medan City.

Page 81 of 164 | Total Record : 1633

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