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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 1,782 Documents
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Pengaruh Kualitas Pelayanan dan Citra Perusahaan Terhadap Kepuasan Pengguna Jasa pada Limajari Reflexology Cabang Dharmahusada Surabaya Miranti Ayu Lupitasari Hermanto; Damajanti Sri Lestari; Anita Asnawi
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.v6i1.5535

Abstract

This study aims to determine the effect of servicei quality and company imagei on seirvicei useir satisfaction at limajari reifleixology dharmahusada Surabaya branch both partially and simultaneiously.Reiseiarch is quantitativei with a causal approach. Thei population in this study weirei all customeirs who had donei treiatmeint at Limajari Reifleixology, dharmahusada Surabaya branch at leiast oncei, thei samplei sizei was 100 reispondeints who had beiein distributeid through queistionnaireis. This study useis simplei random sampling teichniqueis in colleicting reispondeints and useis thei Cochran formula in deiteirmining thei samplei beicausei thei population in this study in thei following month is unknown. Furtheirmorei, thei data weirei analyzeid using instrumeint teists, classical assumption teists, multiplei lineiar reigreission teists, F teists, t teists, and coeifficieint of deiteirmination teists. Thei reisults showeid that both seirvicei quality and company imagei significantly affeict seirvicei useir satisfaction. Lineiar reigreission analysis shows a positivei influeincei of thei two indeipeindeint variableis on thei deipeindeint variablei. Seirvicei quality and company imagei simultaneiously also havei a significant eiffeict on seirvicei useir satisfaction, which is shown through thei F teist. Thei reisults of this study arei eixpeicteid to bei a reifeireincei for companieis to improve service quality and image in order to increase customer satisfaction.
Analisis Faktor-faktor yang Mempengaruhi Pendapatan Usaha Mikro: Studi Kasus pada Usaha yang Terdaftar pada Dinas Koperasi dan UMKM di Kota Baubau Saputri, Sista; Rosnawintang; Tamburaka, Irmawatty Paula
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.v6i1.5657

Abstract

This study aims to analyze the effect of business capital, business location, e-commerce and promotion on micro business income in Baubau City. The research sample was 71 business people in Baubau City. This type of research is quantitative research. The analysis method used is multiple linear regression analysis with the Eviews 12 software application tool. Based on the results of the distribution of respondents' answers, it shows that overall, factors including capital, business location, e-commerce, and promotion are considered important by respondents in supporting their business income. Based on the test results, this study shows that: (1) The capital variable has a positive and significant effect; (2) The business location variable has a positive and significant effect; (3) The e-commerce variable has a positive and insignificant effect; (4) The promotion variable has a positive and significant effect; (5) In the hypothesis testing results it was found that all independent variables together had a significant effect on the dependent variable.
Pengaruh Brand Image, Harga, dan Kualitas Produk terhadap Keputusan Pembelian di Excelso Pakuwon Surabaya Mey Rio Dwi Bisma; Anita Asnawi; Isro’ani Widayati
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.v6i1.5680

Abstract

This quantitative descriptive method research was conducted to see the influence of brand image, price, and product quality on customer purchasing decisions at Excelso Pakuwon Surabaya. Questionnaires were distributed to 100 respondents to collect primary data on their responses. The results of partial hypothesis testing show that brand image and product quality have a significant and positive effect on purchasing decision variables. On the other hand, the price factor was found not to have a significant effect. The results revealed that brand image plays an important role in shaping customers' positive perceptions of Excelso, which is considered to have consistent quality, a cozy atmosphere, and uniqueness that suits customers' lifestyles. Product quality is also an important factor, where customers value the quality of coffee and the variety of menus available. In contrast, price did not have a significant effect, as some respondents felt Excelso's prices were less competitive than its competitors. These findings suggest that Excelso needs to focus on strengthening brand image and product quality to improve purchasing decisions. In addition, a review of the pricing strategy is recommended to better match customer expectations to strengthen market competitiveness.
Pengelolaan Keuangan Keluarga untuk Membangun Ketahanan Keluarga Muslim: Tinjauan dalam Perspektif Ekonomi Islam Isnani, Sofi Putri; Harnum, Mutiara Puspita; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Firmanda, Muhammad Esza Maulana; Munir, Maryam Bte Badrul
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.v6i1.5683

Abstract

Poverty in Indonesia is a complex problem for the government which is caused by low income levels that lead to economic vulnerability for families. Many Indonesians, who are predominantly Muslim, tend to underestimate household financial management. This study aims to provide an understanding of financial literacy from an Islamic economic perspective, focusing on the financial management of Muslim families to build strong economic resilience and maintain family welfare. This research method is qualitative literature-based research. The study's results show that the financial management of Muslim families is based on the concept of maqashid sharia and avoid elements of usury, maysir, and gharar to achieve both worldly and spiritual well-being. Islamic principles such as mudharabah, musyarakah, ijarah, qardhul hasan, wakalah, and kafalah can be applied to achieve maqashid sharia. Additionally, the Sakinah Finance model can stabilize the finances of Muslim households. The main challenges in family financial management include a lack of transparency and poor communication between family members. Therefore, family asset management can be implemented by maintaining balanced budget allocations, such as for income, needs, desires, education, inheritance, grants, endowments, and emergency funds.
Hybrid Kontrak Perbankan Syariah di Indonesia: Analisis Pendekatan Rasionalisme Hadiat; Nurrohman
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.v6i1.5751

Abstract

Contemporary Islamic economics requires innovation in contract implementation to address modern challenges. This research examines the fundamental reasoning and philosophical aspects of combined contracts (hybrid) through a descriptive-analytical approach, considering both normative and doctrinal aspects of Islamic law. The study reveals that hybrid contracts are the result of juristic reasoning (ijtihad) aimed at creating adaptive financial instruments while maintaining compliance with Shariah principles. The development of these hybrid formats is conducted rationally to maximize benefits for Islamic business practitioners. Several forms of hybrid contracts that have evolved include Mudharabah Musytarakah (partnership and profit-sharing), Musyarakah Mutanaqisah (asset ownership financing), al-Musyarakah al-Muntahiyah bi al-Tamlik (gradual partnership), and al-Ijarah al-Muntahiyah bi al-Tamlik/IMBT (lease with ownership option).
Sosial Ekonomi, Literasi Keuangan Digital, Inklusi Keuangan Terhadap Perilaku dan Perencanaan Menabung di Masa Depan Cahyani, Rifat; Abdurrahman
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.v6i1.5779

Abstract

Along with the development of the times and technology today, there is a shift in the treatment of conducting financial transactions. This study is a quantitative research using the Structural Equation Model (SEM) method. In socio-economic research with digital financial literacy, saving behavior and future savings planning have a positive influence. Gaps are shown in financial inclusion and digital financial literacy which have no influence on spending planning. In practice, individuals will continue to make their e penses and other factors, namely une pected needs. A positive influence is held between spending planning and saving behavior. However, there is a negative influence between spending planning and future savings planning. Some of the things that can be a factor in the absence of future savings preparation are procrastination and compulsive buying behavior. Positive influence of saving behavior and future savings planning which aims as savings with transactional purposes.
Analisis Blue Ocean Strategy pada PT Cisarua Mountain Dairy Tbk Dindra Fai’mundiarti Purnamabroto
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.v6i1.5780

Abstract

                This study aims to analyze the application of the Blue Ocean Strategy at PT Cisarua Mountain Dairy Tbk. The Blue Ocean Strategy is a business strategy concept that emphasizes creating uncontested market space and making competition irrelevant. This study analyzes documents related to the business strategies that have been implemented. PT Cisarua Mountain Dairy Tbk is a fast-moving consumer goods (FMCG) company selling packaged protein-based food and beverages in Indonesia, specifically premium yogurt and sausages. The results of the study show that PT Cisarua Mountain Dairy Tbk has implemented several elements of the Blue Ocean Strategy in its efforts to enhance competitive advantage by innovating products, such as ready-to-drink yogurt and premium variants, while eliminating reliance on price promotions and preservatives. This strategy enables Cimory to create new markets, strengthen its position as a leader in healthy foods, and ensure sustainable growth and profitability.
Peran Yayasan Baitul Maal sebagai Program Corporate Social Responsibility PT PLN (Persero) ULP Bangkir dalam Meningkatkan Kesejahteraan Masyarakat dari Perspektif Ekonomi Islam Sulistyawan, Dony; Anwar , Khoirul; Rahmadani, Arief
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.v6i1.5786

Abstract

Corporate Social Responsibility (CSR) is the social responsibility that must be implemented by companies in Indonesia in accordance with government regulations, aimed at empowering communities and improving the quality of life and the environment, which in turn can enhance the company's image. This study examines the implementation of CSR at PT PLN (Persero) ULP Bangkir through the Yayasan Baitul Maal PLN (YBM PLN) program from an Islamic economic perspective. The method used is a descriptive qualitative approach, with data collection through interviews, documentation, observation, and literature study. Data analysis is conducted using the Miles and Huberman model, which includes data collection, data reduction, data presentation, and conclusion drawing. The results show that the CSR program of PT PLN ULP Bangkir has implemented Islamic economic principles, such as al-adl (justice), al-ihsan (kindness), amanah (trust), and benefit. These programs have had a positive impact in the fields of education, health, and economy, as well as strengthening relationships with stakeholders. This study recommends that PT PLN ULP Bangkir continue to enhance its Islamic-based CSR programs, particularly in environmental preservation, to achieve broader impacts and create a sustainable and responsible business model.
Analisis Strategi Blue Ocean PT Darya-Varia Laboratoria TBK. Amanda Diasha
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.v6i1.5807

Abstract

This case study analyzes the implementation of the Blue Ocean Strategy by PT Darya-Varia Laboratoria Tbk, a leading pharmaceutical company in Indonesia, to create added value and avoid intense market competition. Using strategic management theory and the Blue Ocean Strategy model, the research identifies opportunities for innovation, operational efficiency improvement, and market expansion. The findings indicate that implementing this strategy enables the company to develop competitive advantages through product innovation, quality enhancement, and integrated digital technology. By focusing on unmet market needs and customer loyalty programs, PT Darya-Varia Laboratoria successfully expands its market share without facing direct competition while simultaneously enhancing its reputation and overall performance.
Strategy to Increase B2B Readiness in PT Telkom Indonesia Regional 3 During Organizational Transformation Qinthara Silmi Faizal; Achmad Ghazali
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.v6i1.5810

Abstract

PT Telkom Indonesia implemented a strategic restructuring plan to boost its competitive advantage and reinforce its position in the Indonesian telecommunication industry. The first strategy is fixed mobile convergence (FMC), which changed all Telkom Regional target markets and business models from B2C to B2B. Telkom Regional 3, which served customers in the West Java region, was designated by management as a pilot for Telkom Regional in its transformation to B2B. During the organizational transformation process, B2B readiness survey was conducted to see whether employees in each region are ready for transformation. The result showed that Telkom Regional 3 has the lowest score in B2B readiness compared to the average score and the other six regions. The area that needs to be improved by Telkom Regional 3 is related to capability subject matter expert (SME), territory leadership, and partnership policy model. The framework used in this research is the KPMG six layer target operating model. The data was collected by interview to validate the business issue and gain more comprehensive insight based on KPMG six layer target operating model variables. The result showed that the first issue occurs because of the gap between subject matter expert (SME) expectations and reality regarding B2B business. Also, no figure leader B2B can give an example of an ideal B2B business. The second issue occurred because there is a need for a shift in mindset from B2C to B2B for teams in the territory, and the last issue arose because of rigid partnership policy. This research is expected to provide an overview of the causes of the low B2B readiness score in Telkom Regional 3, along with suggestions for further improvement.

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