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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 1,782 Documents
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Analisis Kebutuhan Investasi Sektor Unggulan di Kabupaten Rokan Hulu Citra Sania Br. Ginting; Cepriadi; Novia Dewi
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.v6i1.5824

Abstract

Enhancing economic growth can be achieved by creating opportunities, realizing investments, and prioritizing key sector in regional development. This study aims to analyze the leading sectors in Rokan Hulu Regency and estimate the investment needs for each leading sector from 2025 to 2045. The study utilizes time series data from 2011 to 2023, including Gross Regional Domestic Product (GRDP) at constant prices by business field in Riau Province and Rokan Hulu Regency, as well as Gross Fixed Capital Formation (GFCF) at constant prices by expenditure. The analysis methods employed are Location Quotient (LQ), Dynamic Location Quotient (DLQ), Trend Analysis, and Incremental Capital Output Ratio (ICOR). The findings indicate that Rokan Hulu Regency has four leading sectors: agriculture, forestry, and fisheries; electricity and gas procurement; information and communication; and government administration, defense, and compulsory social security. These sectors have LQ and DLQ values greater than one, indicating that their contributions to the economy of Rokan Hulu Regency are higher than those of other sectors, both now and in the future. The total investment needs for Rokan Hulu's leading sectors from 2025 to 2045 are IDR 93,154,531 million for agriculture, forestry, and fisheries; IDR 10,223,150 million for electricity and gas procurement; IDR 24,457,547 million for information and communication; and IDR -48,632,099 million for government administration, defense, and compulsory social security.
Analisis Prediksi Kebangkrutan Menggunakan Model Altman Z-Score dan Zmijewski pada Perusahaan Multifinance I Wayan Dodit Astawa; I Made Karya Utama
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.v6i1.5859

Abstract

                Bankruptcy is a problem that companies must be aware of. If the company experiences bankruptcy, then the company is experiencing business failure. One of the ways that companies do to detect and prevent this from happening is by monitoring financial performance using financial statement analysis. To be able to predict company bankruptcy usually uses several different models, in this study using the Altman and Zmijewski models. The purpose of this study was to analyze the prediction of bankruptcy in multifinance sector companies using the Altman and Zmijewski models. The data used in this study are secondary data in the form of company financial reports published on the Indonesia Stock Exchange website. The population in this study were all multifinance companies listed on the IDX, totaling 14 companies. The samples used in this study amounted to 14 companies using the census method or total sampling. The results of this study indicate that there are multifinance sector companies that are predicted to go bankrupt using the Altman Z-Score Model, there are multifinance sector companies that are predicted to go bankrupt using the Zmijewski Model, and there are significant differences between the Altman Z-Score Model and the Zmijewski Model in predicting bankruptcy in multifinance sector companies.
Pengaruh Disiplin Kerja, Kompensasi, dan Kepuasan Kerja Terhadap Kinerja Karyawan PT. Sasana Antik Kabupaten Rembang Ahmad Khoirul Anwar; Muhammad Tahwin
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.v6i1.5911

Abstract

This research explores how work discipline, compensation, and job satisfaction impact employee performance at PT Sasana Antik in Rembang Regency. The researchers used a sample of 62 employees and collected data through questionnaires. Multiple linear regression analysis was used to analyze the data. The results showed that work discipline has a positive but insignificant effect on employee performance, compensation has a significant positive effect on employee performance, and job satisfaction has a positive but insignificant effect on employee performance. The Adjusted R Square value shows that 19.9% of the variation in employee performance can be attributed to the three independent variables, while the remaining 80.1% can be explained by other factors not examined in this study.  
Pengaruh Work-life balance, Motivasi, Self-efficacy, dan Kompensasi terhadap Kepuasan Kerja pada Generasi Z di Kota Surabaya Dani, Nasrul; Asnawi, Anita; Arfani, Mochammad
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.v6i1.5924

Abstract

This study aims to evaluate the influence of motivation, work-life balance, self-efficacy, and compensation on the job satisfaction of Generation Z in Surabaya. Using a quantitative descriptive method, this study utilizes primary data obtained through questionnaires to analyze the relationship between variables. The 100 respondents were dominated by men with high school/vocational education, most of whom worked in the private sector, with fields of work that matched their skills. The results of the partial influence test showed that each of the motivation, self-efficacy, and compensation factors had a significant and positive influence on job satisfaction, indicating these factors play important roles in creating job satisfaction in Generation Z in Surabaya. Meanwhile, the compensation factor is responded to as the main factor in realizing job satisfaction. In contrast, work-life balance did not have a significant effect, indicating that respondents considered that they had not found a balance in managing their time between life and work, so their job satisfaction could not be realized based on the factors that set the time balance. On the other hand, simultaneously, these four variables have a significant influence on job satisfaction.
The Effect of Corporate Governance, Leverage, and Firm Size on Financial Distress Vera Fiyanti; Harti Budi Yanti
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.v6i1.5941

Abstract

This research aims to analyze the effect of corporate governance, leverage and firm size on financial distress. The population in this study was 652 consumer cyclicals and non-consumer cyclicals companies listed on the Indonesia Stock Exchange for the 2020-2023 period. This sample research used a purposive sampling method and obtained a sample of 163 companies. The research results show that Firm Size has significant negative effect on financial distress, Leverage and corporate governance have no effect on financial distress.  
Fenomena Transformasi Koperasi Konvensional Menjadi Koperasi Syariah di Kota Tangerang Wahyu Hidayat
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.v6i1.6112

Abstract

The transformation of conventional cooperatives into sharia cooperatives is an interesting phenomenon to study. The motivation for transformation into a sharia cooperative occurred due to several factors, both internal and external. This research uses a qualitative phenomological method approach. By collecting data through participant observation to be able to find out the essential phenomena of the participants. Based on the results of data analysis and interviews conducted by researchers regarding the phenomenon of cooperatives transforming into Sharia Cooperatives (KSPPS) or opening Sharia Business Units (USPPS) in Tangerang City, it can be concluded that religious awareness or religiosity, perceptions about sharia cooperatives, training about sharia economics , sharia cooperative products and sharia cooperative business opportunities have encouraged the phenomenon of transformation into sharia cooperatives and sharia business units in cooperatives in Tangerang City. This further strengthens the positive image of Tangerang City as a city with good morals, which imbues the values of the social order.
Analisis Akad Kerjasama Bank Syariah Indonesia dengan Pondok Pesantren Darurrahmah Bogor Jawa Barat dan Kesesuaiannya dengan Fatwa DSN-MUI Hidayat; Moehammad Abdul ‘Aziz; Taufiq Ramadhan
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.v6i1.6116

Abstract

The contain research in this analysis is about the contract used by Darurrahmah Islamic Boarding School and Bank Syariah Indonesia. This research is literature and field research by emphasizing the quality of data obtained from the literature focused on examining the role of Bank Syariah Indonesia in Darurrahmah Boarding School Bogor, West Java. The approach used by the researcher was descriptive qualitative by providing solutions to problems by collecting data, compiling, classifying, analyzing, evaluating, and interpreting them. The sources of data used in this study were in the form of primary sources, namely Bank Syariah Indoensia and the Boarding School Administration Division, as well as books related to this. In addition, there were also some secondary sources i.e. a journal entitled “Prospek dan Kendala Bank Syariah di Era Globalisasi” by Siti Yunitarini. The results show that the contract used by Darurrahmah Islamic Boarding School and Bank Syariah Mandiri branch of Cibubur related to monthly salaries and tuition fees for students are mudharabah muthlaqah and wadi'ah yad dhamanah contracts with the provisions described in this thesis. The author also concludes that there is an agreement between the contracts and the DSN-MUI fatwa related to these contracts in terms of the form for creating new savings accounts with the DSN-MUI fatwa accompanied by the results of interviews with several staff at the central and branch of Bank Syariah Mandiri
Determinan Pengangguran ASEAN era MEA Regitha Adjeng Pramesty; Rahayu Kistanti, Nurjannah
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.v6i1.6141

Abstract

The ASEAN Economic Community is a form of globalization occurring within ASEAN. Macroeconomic issues such as unemployment present a challenge for ASEAN countries as they strive to succeed in reducing unemployment rates through investment, trade in goods and services, connectivity, and labor management. This research aims to analyze the influence of economic growth, FDI, economic globalization, social globalization and political globalization on unemployment in member countries of the ASEAN Economic Community. This research is quantitative research using panel data during the 2016-2022 period with observations from ten member countries of the ASEAN Economic Community. The analysis method used is panel data regression. Based on the results of the panel data regression model selection test using the Hausman test, the Fixed Effect Model (FEM) was the appropriate model to be used in this research. The research results show that the economic growth variable has a negative and significant effect on unemployment with a coefficient of -0.039169. The FDI variable has a positive and significant effect on unemployment with a coefficient of 0.123884. The political globalization variable has a negative but not significant effect on unemployment with a coefficient of -0.176722. The economic globalization variable has a positive and significant effect on unemployment with a coefficient of 0.157475. The social globalization variable has a negative and significant effect on unemployment with a coefficient of -0.308238..
Pengkajian Kebiasaan Konsumen Muslim Terhadap Niat Menggunakan Produk Perbankan Syariah di Kabupaten Bogor Abdul Aziz
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.v6i1.6344

Abstract

This study aims to analyse customer behaviour in saving in Islamic banking using the Theory of Planned Behavior (TPB) framework which is extended with religiosity variables to increase the external validity of the model and understand consumer behaviour more comprehensively. The method used is quantitative research with causality analysis through the Structural Equation Modeling (SEM) approach using LISREL software version 8.70, based on data from 180 respondents. The results showed that people's positive attitudes, subjective norms, and perceived behavioural control significantly influenced the intention to use Islamic banking products, with subjective norms as the most dominant variable. In addition, perceived convenience and ability also affect both intention and actual behaviour, while religiosity only has an impact on intention with no significant effect on actual behaviour. These findings indicate a gap between religious beliefs and actual actions in the use of Islamic banking products.
Penetapan Harga Eceran Tertinggi Minyak Goreng Perspektif Maslahah Mursalah Analisis Peraturan Menteri Perdagangan Nomor 49 Tahun 2022 Tentang Tata Kelola Minyak Goreng Rakyat Mhd. Chairul Ikhsan; Cahaya Permata
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.v6i1.6395

Abstract

One of the important needs for the Indonesian people is cooking oil. Inflation is one way cooking oil supports the Indonesian economy. Therefore, policies that support it must be supported by policies that can improve the lives of many people, such as pricing, shipping goods, and maintaining market price stability. Permendag No. 49 of 2022 article 10 paragraph 2, which regulates the management of people's cooking oil of IDR 14,000.00 per liter or IDR 5,500.00 per kilogram for people's cooking oil in bulk and IDR 14,000.00 per liter for premium packaged cooking oil. This study aims to determine how Indonesia regulates the highest retail price of cooking oil, the impact of setting the highest retail price on the community, and an analysis of Permendag No. 49 of 2022 concerning the highest retail price of cooking oil from a maslahah mursalah perspective. By using the conceptua approach and statute approach, this research is normative. Document studies are used to collect legal documents, which are then processed and reviewed descriptively using deductive reasoning logic. This study shows that the retail price policy for cooking oil causes punic buying in the community, because it causes cooking oil stocks to run low and creates competition between traditional and modern traders. This policy is known as maslahah ammah, which is believed to have a good impact in providing protection to consumers and buyers.

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