El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam最新文献

{"title":"Analysis of the Impact of BOPO, FDR, NOM and NPF on ROA of Indonesian Sharia Commercial Banks Registered with the OJK","authors":"Dina Sentika, Eko Sujadi, Elex Sramigi","doi":"10.47467/elmal.v5i4.1915","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1915","url":null,"abstract":"Return on Resources (ROA) is a marker used to evaluate the effectiveness of an organization in producing benefits utilizing the resources it possesses. The point of this examination is to distinguish factors that impact the degree of organization benefit. Specialists use organization size factors, BOPO, FDR, NOM, and NPF on ROA. The example in this study was 12 banks, and 15 banks had a populace since 3 banks were not deserving of examination in Sharia Business Banks enlisted with the OJK in the period 2019 - 2022. Signaling Theory and Agency Theory are utilized in this study. This examination classification incorporates quantitative strategies utilizing an acquainted methodology, the focal point of which is investigating the effect of at least two factors and utilizing auxiliary information. The tests in this examination are the Traditional Supposition test and Numerous Straight Relapse Test. The consequences of this exploration show that there is an impact between all free factors on the reliant variable, there are two factors that have a huge positive impact (FDR and NOM), and there are two factors that have a critical adverse impact (BOPO and NPF). It is hoped that the findings of this study will help banks manage the factors that affect their level of profitability in order to boost profitability. It is likewise trusted that this study can turn into a reference for lenders and borrowers to survey banking execution all the more effectively and give a premise to navigation. It is hoped that it will provide additional variables that influence bank profitability as a direction for future research.Return on Resources (ROA) is a marker used to evaluate the effectiveness of an organization in producing benefits utilizing the resources it possesses. The point of this examination is to distinguish factors that impact the degree of organization benefit. Specialists use organization size factors, BOPO, FDR, NOM, and NPF on ROA. The example in this study was 12 banks, and 15 banks had a populace since 3 banks were not deserving of examination in Sharia Business Banks enlisted with the OJK in the period 2019 - 2022. Signaling Theory and Agency Theory are utilized in this study. This examination classification incorporates quantitative strategies utilizing an acquainted methodology, the focal point of which is investigating the effect of at least two factors and utilizing auxiliary information. The tests in this examination are the Traditional Supposition test and Numerous Straight Relapse Test. The consequences of this exploration show that there is an impact between all free factors on the reliant variable, there are two factors that have a huge positive impact (FDR and NOM), and there are two factors that have a critical adverse impact (BOPO and NPF). It is hoped that the findings of this study will help banks manage the factors that affect their level of profitability in order to boost profitability. It is likewise trusted that this study can turn int","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"11 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139846063","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analisis Pengaruh Metode AIDA (attention, interest, desire, action) terhadap Keputusan Pembelian Fast Food Berlabel Halal pada Mahasiswa FAI UMSU","authors":"U. Mardiah, Rahmayati","doi":"10.47467/elmal.v5i4.1913","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1913","url":null,"abstract":"This research aims to find out how consumer purchasing decisions for fast food products labeled halal are influenced by the AIDA (attention, interest, desire, action) method applied. As a marketing strategy, the AIDA approach is used to determine how much consumer attention, interest, desires, and behavior can influence the decision to buy fast food that has received halal certification. This research used a quantitative approach by distributing questionnaires to 100 respondents from 925 FAI UMSU students. The sample collected in this research was through purposive sampling, meaning that the sample was based on certain criteria, namely FAI UMSU Stambuk students 2020–2023. The research results showed that simultaneously, the variables attention, interest, desire, and action influenced the decision to purchase halal-labeled fast food. Based on the coefficient of determination, the AIDA approach influences 73.1% of decisions to purchase fast food labeled halal. The remaining 26.9% is influenced by factors not included in the research model","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":" 1074","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139786981","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Kepercayaan Merek pada Loyalitas yang Dimediasi oleh Keyakinan pada Atribut Produk Donat","authors":"Nurul Aini Widiyastuti, Anton Agus Setyawan","doi":"10.47467/elmal.v5i4.1909","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1909","url":null,"abstract":"This research aims to determine the influence of consumer trust and product attributes on loyalty which is mediated by trust in donut consumers. Consumers' assessment of the extent to which their needs and desires are met by the product. Donuts are easy to find in cake shops, malls, restaurants or even the donut shop itself. This phenomenon is characterized by the increasing number of donut brands available, so that consumers are faced with a variety of brand choices such as Dunkin' Donuts, J.CO Donut, Abata Donut, and Donut Boys. In this research, consumer trust, brand attributes (x), brand loyalty (y), and brand trust (z) are used. The sample size consisted of 200 respondents from the public who had purchased one of the Dunkin' Donuts brands, J.Co Donuts, Abata Donuts, or Boys Donuts. This research applies quantitative methods by distributing Google Forms which are distributed via platforms on social media. The findings from this SmartPLS analysis show that brand attributes have a positive impact on increasing brand trust, consumer trust has a positive impact on brand trust, and brand trust has a positive impact on brand loyalty.","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"5 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139846217","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analysis of the Impact of BOPO, FDR, NOM and NPF on ROA of Indonesian Sharia Commercial Banks Registered with the OJK","authors":"Dina Sentika, Eko Sujadi, Elex Sramigi","doi":"10.47467/elmal.v5i4.1915","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1915","url":null,"abstract":"Return on Resources (ROA) is a marker used to evaluate the effectiveness of an organization in producing benefits utilizing the resources it possesses. The point of this examination is to distinguish factors that impact the degree of organization benefit. Specialists use organization size factors, BOPO, FDR, NOM, and NPF on ROA. The example in this study was 12 banks, and 15 banks had a populace since 3 banks were not deserving of examination in Sharia Business Banks enlisted with the OJK in the period 2019 - 2022. Signaling Theory and Agency Theory are utilized in this study. This examination classification incorporates quantitative strategies utilizing an acquainted methodology, the focal point of which is investigating the effect of at least two factors and utilizing auxiliary information. The tests in this examination are the Traditional Supposition test and Numerous Straight Relapse Test. The consequences of this exploration show that there is an impact between all free factors on the reliant variable, there are two factors that have a huge positive impact (FDR and NOM), and there are two factors that have a critical adverse impact (BOPO and NPF). It is hoped that the findings of this study will help banks manage the factors that affect their level of profitability in order to boost profitability. It is likewise trusted that this study can turn into a reference for lenders and borrowers to survey banking execution all the more effectively and give a premise to navigation. It is hoped that it will provide additional variables that influence bank profitability as a direction for future research.Return on Resources (ROA) is a marker used to evaluate the effectiveness of an organization in producing benefits utilizing the resources it possesses. The point of this examination is to distinguish factors that impact the degree of organization benefit. Specialists use organization size factors, BOPO, FDR, NOM, and NPF on ROA. The example in this study was 12 banks, and 15 banks had a populace since 3 banks were not deserving of examination in Sharia Business Banks enlisted with the OJK in the period 2019 - 2022. Signaling Theory and Agency Theory are utilized in this study. This examination classification incorporates quantitative strategies utilizing an acquainted methodology, the focal point of which is investigating the effect of at least two factors and utilizing auxiliary information. The tests in this examination are the Traditional Supposition test and Numerous Straight Relapse Test. The consequences of this exploration show that there is an impact between all free factors on the reliant variable, there are two factors that have a huge positive impact (FDR and NOM), and there are two factors that have a critical adverse impact (BOPO and NPF). It is hoped that the findings of this study will help banks manage the factors that affect their level of profitability in order to boost profitability. It is likewise trusted that this study can turn int","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"122 17","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139786059","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Peran Literasi Keuangan dalam Memutuskan Pembelian Logam Mulia pada Masyarakat Tambun Selatan","authors":"Arief Teguh Nugroho, Sunita Dasman, Yuhaning Praborini","doi":"10.47467/elmal.v5i4.1924","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1924","url":null,"abstract":"Gold is a precious metal that is loved by many people. Precious metals are no stranger to socienty,in general, precious metals that are known to public are precious metals in the form of jewelry. The research objective was to determine the effect of product knowledge, brand image, and lifestyle on Antam's precious metal purchasing decisions. This study uses a quantitative research model, with a sampling method using non-probablity sampling with a purposive sampling technique. The number of samples in this study was 96 which was rounded off to 100 respondents. Methods of data collection by means of observation, interviews, literature study, and distributing questionnaires through the Google Form. . The data analysis method uses validity tests, reliability tests, and multiple linear regression analysis using SPSS version 25 program assistance. The results of this study indicate that there is a significant positive effect of product knowledge on purchasing decisions for Antam's precious metal consumers, there is a significant positive influence for brand image on purchasing decisions for Antam's precious metal consumers, and there is no significant influence of lifestyle on purchasing decisions for Antam's precious metal consumers. From the results of the research findings that have been carried out, there are two hypotheses that have an effect, and there are one hypotheses that state that they have no effect.","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"15 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139846687","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Kepercayaan Merek pada Loyalitas yang Dimediasi oleh Keyakinan pada Atribut Produk Donat","authors":"Nurul Aini Widiyastuti, Anton Agus Setyawan","doi":"10.47467/elmal.v5i4.1909","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1909","url":null,"abstract":"This research aims to determine the influence of consumer trust and product attributes on loyalty which is mediated by trust in donut consumers. Consumers' assessment of the extent to which their needs and desires are met by the product. Donuts are easy to find in cake shops, malls, restaurants or even the donut shop itself. This phenomenon is characterized by the increasing number of donut brands available, so that consumers are faced with a variety of brand choices such as Dunkin' Donuts, J.CO Donut, Abata Donut, and Donut Boys. In this research, consumer trust, brand attributes (x), brand loyalty (y), and brand trust (z) are used. The sample size consisted of 200 respondents from the public who had purchased one of the Dunkin' Donuts brands, J.Co Donuts, Abata Donuts, or Boys Donuts. This research applies quantitative methods by distributing Google Forms which are distributed via platforms on social media. The findings from this SmartPLS analysis show that brand attributes have a positive impact on increasing brand trust, consumer trust has a positive impact on brand trust, and brand trust has a positive impact on brand loyalty.","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"9 16","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139786574","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Peran Literasi Keuangan dalam Memutuskan Pembelian Logam Mulia pada Masyarakat Tambun Selatan","authors":"Arief Teguh Nugroho, Sunita Dasman, Yuhaning Praborini","doi":"10.47467/elmal.v5i4.1924","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1924","url":null,"abstract":"Gold is a precious metal that is loved by many people. Precious metals are no stranger to socienty,in general, precious metals that are known to public are precious metals in the form of jewelry. The research objective was to determine the effect of product knowledge, brand image, and lifestyle on Antam's precious metal purchasing decisions. This study uses a quantitative research model, with a sampling method using non-probablity sampling with a purposive sampling technique. The number of samples in this study was 96 which was rounded off to 100 respondents. Methods of data collection by means of observation, interviews, literature study, and distributing questionnaires through the Google Form. . The data analysis method uses validity tests, reliability tests, and multiple linear regression analysis using SPSS version 25 program assistance. The results of this study indicate that there is a significant positive effect of product knowledge on purchasing decisions for Antam's precious metal consumers, there is a significant positive influence for brand image on purchasing decisions for Antam's precious metal consumers, and there is no significant influence of lifestyle on purchasing decisions for Antam's precious metal consumers. From the results of the research findings that have been carried out, there are two hypotheses that have an effect, and there are one hypotheses that state that they have no effect.","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":" 1274","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139786870","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analisis Pengaruh Metode AIDA (attention, interest, desire, action) terhadap Keputusan Pembelian Fast Food Berlabel Halal pada Mahasiswa FAI UMSU","authors":"U. Mardiah, Rahmayati","doi":"10.47467/elmal.v5i4.1913","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1913","url":null,"abstract":"This research aims to find out how consumer purchasing decisions for fast food products labeled halal are influenced by the AIDA (attention, interest, desire, action) method applied. As a marketing strategy, the AIDA approach is used to determine how much consumer attention, interest, desires, and behavior can influence the decision to buy fast food that has received halal certification. This research used a quantitative approach by distributing questionnaires to 100 respondents from 925 FAI UMSU students. The sample collected in this research was through purposive sampling, meaning that the sample was based on certain criteria, namely FAI UMSU Stambuk students 2020–2023. The research results showed that simultaneously, the variables attention, interest, desire, and action influenced the decision to purchase halal-labeled fast food. Based on the coefficient of determination, the AIDA approach influences 73.1% of decisions to purchase fast food labeled halal. The remaining 26.9% is influenced by factors not included in the research model","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"17 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139846915","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Keamanan dan Kenyamanan terhadap Niat Masyarakat untuk Beralih dari Penggunaan Bank Konvensional ke Bank Digital","authors":"Shandina Aulia, Siska Arlina Hakim, Sophia Marsiska","doi":"10.47467/elmal.v5i4.1179","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1179","url":null,"abstract":"The aim of this research is to find out the security and convenience that influences people to switch from the use of conventional banking to digital banking and to know the people’s intention to switch to using digital banks. This type of research is primary data research, data that is processed as number obtained from the scale of questionnaires that the researcher spread to respondents, and porsessed using SPSS 26 Software. The sample in this study amounted to 109 respondents. Research result show that security (X1) and convenience (X2) affect the (Y) intention of people to switch to digital banking","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":" 8","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139787705","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Produktivitas Karyawan Ditinjau dari Lingkungan, Kepemimpinan dan Disiplin Karyawan Konveksi Nik’s Collection Surakarta","authors":"Sotya Diva Surya Poundra, Istiatin, Sarsono","doi":"10.47467/elmal.v5i4.1770","DOIUrl":"https://doi.org/10.47467/elmal.v5i4.1770","url":null,"abstract":"The aim of this research is to determine the influence of environmental influences, leadership and employee discipline on the productivity of Nik's Collection Surakarta convection employees. The author uses a descriptive quantitative approach. This research will be conducted for 3 months, from October 2023 to December 2023. The population in this research is 58 employees of Konveksi NIK'S Collection Surakarta. The population was less than 100, so the researchers took all employees of Konveksi NIK'S Collection Surakarta, namely 58 employees. The sampling technique in this research used a census. Researchers used multiple linear regression analysis. The results of this research show that the environment, leadership and employee discipline simultaneously have a significant influence on the productivity of Nik's Collection Surakarta convection employees. Based on the t test, it was found that environmental results, leadership and employee discipline had a positive and significant influence on the productivity of Nik's Collection Surakarta convection employees.","PeriodicalId":505263,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":" 71","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139787947","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}