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All Journal Humanitis (Jurnal Humaniora Sosial dan Bisnis) Jurnal Ekonomi dan Bisnis (Jebi)
Novera Martilova
Fakultas Ekonomi dan bisnis islam, UIN Sjech M.djamil djambek bukittinggi

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ANALISIS PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PENINGKATAN PENDAPATAN NASABAH PELAKU USAHA MIKRO DI PT. BPR SYARIAH LUMBUNG PITI NAGARI TAEH BARUH KECAMATAN PAYAKUMBUH Viranda Oktavia; Novera Martilova
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 2 No. 4 (2024): HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis
Publisher : ADISAM PUBLISHER

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Abstract

The background of this research is whether there is an effect of murabahah financing on increasing the income of micro business customers at BPRS LPN Taeh Baruh Payakumbuh District. The type of data used is primary data obtained from respondents through distributing questionnaires. In taking samples using a random sampling method with a total of 76 respondents. The data analysis techniques used are validity tests, reliability tests, classic assumption tests consisting of normality tests and autocorrelation tests, simple linear regression tests, coefficient of determination tests and hypothesis tests. The results of research conducted using SPSS V 25 show that the murabahah financing variable has a significant influence on increasing income as evidenced by the results of t count (5.944) ≥ t table (1.995) and the significant value is smaller than 5%, namely (0.000) ≤ (0.05). And the results of the coefficient of determination test (R2) showed an R Square value of 0.323 or 32.3%, so it can be concluded that the variables of murabahah financing and increasing income have a weak influence with little contribution. Meanwhile, the remaining 67.7% was influenced by other factors not discussed in this research. Thus it can be concluded that H0 is rejected and Ha is accepted
PENGARUH EKSPOR DAN IMPOR TERHADAP PERTUMBUHAN EKONOMI DI PROVINSI SUMATERA BARAT Rani Rahmawati; Novera Martilova
Jurnal Ekonomi dan Bisnis Vol. 2 No. 9 (2025): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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A country's economic development cannot be separated from international trade, particularly through imports and exports, which is the driving force of this research. The government uses export and import policies to promote economic expansion. The aim of this research is to determine the influence of imports and exports on the economic growth of West Sumatra Province. This research uses quantitative methods. The data collection method is a time series from 1994 to 2023 obtained from the Central Statistics Agency of West Sumatra Province. The tests performed were multiple linear regression analysis, coefficient of determination test, t-test, f-test, normality test, autocorrelation test, heteroscedasticity test and multicollinearity test. The IBM SPSS Statistics version 27 program was used to process these data. The multiple linear regression analysis results in the equation: Y= 3003733.844 + 62.296X1 – 9.358X2. The constant value is 3003733.844. The t-test then shows that imports have no impact on economic growth, with a significant value (0.768 > 0.05) and the calculated t-value is smaller than the t-table (0.298 <2.5553). Exports have an effect if the calculated t-value is greater than the t-table (5.208 > 2.5553). Taken together, it shows that imports and exports have a large impact on value (0.000 < 0.05). With an R-squared value of 0.695, exports and imports are highly correlated with GDP growth of 69.5%. Meanwhile, factors not discussed in this study affect the remaining 30.5%.
Co-Authors Rani Rahmawati Viranda Oktavia