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All Journal At-Tawassuth: Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Islaminomics: Journal of Islamic Economics, Business and Finance EKONOMIKA SYARIAH : Journal of Economic Studies JURNAL EKONOMI SAKTI (JES) JURNAL EDUCAZIONE : Jurnal Pendidikan, Pembelajaran dan Bimbingan dan konseling JURNAL EKONOMI SYARIAH Bertuah : Jurnal Syariah dan Ekonomi Islam El-kahfi : Journal of Islamic economics AL-FALAH : Journal of Islamic Economics Al-bank: Journal of Islamic Banking and Finance INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS el-Amwal Portofolio: Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi Journal of Indonesian Sharia Economics EKONOMIKA SYARIAH : Journal of Economic Studies El-Rusyd Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) KOLONI Islamic Tourism Al-bank: Journal of Islamic Banking and Finance BAITUL MAAL : Journal of Sharia Economics Uang: Journal of Fiscal and Monetary Studies
Rika Widianita
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Transportation Other

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Preferensi dan Perilaku Tokoh Masyarakat terhadap Perbankan Syariah di Kecamatan Sungai Pagu Kabupaten Solok Selatan Anisah, Ariyun; Widianita, Rika; Nurani, Khadijah
Al-bank: Journal of Islamic Banking and Finance Vol 1 No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.3805

Abstract

The development of Islamic banking in the Sungai Pagu sub-district of South Solok Regency  in terms of network operations, where the Bank Syariah Services Unit in Nagari Muaralabuh is the only Islamic banking institution operating in this area. The problem in this study is: What are the preferences and behavior of community leaders on Islamic banking in Sungai Pagu District.With the aim of knowing the preferences and behavior of community figures on Islamic banking in Sungai Pagu district, South Solok Regency. This research is a field study with a qualitative descriptive approach. Primary data sources are community figure involved  in BAMUS Nagari management of 55 people selected with purposive sampling techniques. Data collection techniques are conducted  through interviews, observations, questionnaires, and documentation. The results revealed the preferences of respondents in the banking sector in Sungai Pagu district, South Solok Regency, with a percentage index above 60%, but this was not supported by good behavior from correspondents where the score index was below 60%. While the role of respondents in delivering and disseminating Islamic banking to the community is at 60%, meaning that good and community leaders are a medium of socialization and promotion of Islamic banking in this area
Strategi Bersaing PT. Bonita Anugrah Pratama Kota Bukittinggi dalam Meningkatkan Jumlah Jamaah Umrah Simatupang, Yulia Asarah; Widianita, Rika; Anisah, Ariyun; Devy, Tartila
Jurnal Pendidikan Tambusai Vol. 9 No. 3 (2025): Desember
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis startegi bersaing yang diambil PT. Bonita Anugrah Pratama dalam Meningkatkan Jumlah Jamaah Umrah. Dalam penelitian ini penulis menggunakan metode penelitian kualitatif dengan pendekatan deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Sedangkan teknik analisis data menggunakan teknik analisis SWOT, melalui kekuatan, kelemahan, peluang dan ancaman yang timbul baik dari internal maupun eskternal. Hasil penelitian yang dilakukan di PT. Bonita Anugrah Pratama berdasarkan analisis SWOT pada faktor internal (IFE) menunjukkan bahwa skor kekuatan lebih besar dibandingkan dengan skor kelemahan, sedangkan pada analisis faktor eksternal (EFE) skor peluang lebih besar dibandingkan dengan skor ancaman. Dari analisis bobot skor yang terdapat pada pembahasan menunjukkan bahwa skor S+O (Strength+Opportunities) yaitu 3,95. Total skor S+T (Strenghts+Threats) yaitu 3,1. Total skor W+O (Weknesses+Opportunities) yaitu 2,73. Dan total skor W+T (Weaknesses+Threats) yaitu 1,88. Dari analisis bobot skor tersebut dapat dilihat bahwa faktor kekuatan dan faktor peluang (S-O) memiliki nilai bobot skor paling tinggi yaitu 3,95 jika dibandingkan faktor yang lainnya. Sehingga dalam strategi bersaing dalam meningkatkan jumlah jamaah umrah, pihak PT. Bonita Anugrah Pratama Kota Bukittinggi dapat menerapkan startegi S-O (Strength-Opportunities) yang nilainya sebesar 3,95, diikuti dengan strategi S-T (Strenghts-Threats), W-O (Weknesses-Opportunities), dan W-T (Weaknesses-Threats).
Integrasi Nilai-nilai Kewarganegaraan dan Sosial dalam Pembelajaran Ekonomi untuk Membentuk Karakter Siswa yang Berintegritas Hafizah, Hafizah; Imamuddin, M.; Widianita, Rika; Ridhah, Habibatur; Anisah, Ariyun
Jurnal Educazione : Jurnal Pendidikan, Pembelajaran dan Bimbingan dan konseling Vol. 13 No. 2 (2025): November
Publisher : FKIP Universitas Islam Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/edu.v13i2.4862

Abstract

This study aims to describe and analyze the integration of civic and social values in Economics learning at senior high schools in Bukittinggi, West Sumatra. A qualitative descriptive approach was employed, involving interviews, classroom observations, and document analysis with teachers, students, and principals from three selected high schools. The total number of participants in this study was 73 individuals selected purposively based on the research objectives and data requirements.  The results show that value integration occurs through three main stages: lesson planning, classroom implementation, and assessment. The dominant values integrated include honesty, responsibility, cooperation, social justice, and environmental awareness. Contextual and project-based learning approaches were found effective in instilling these values. The impact is evident in students’ improved integrity, discipline, empathy, and ethical decision-making in economic contexts. Although teachers face challenges such as limited time and lack of integrative guidelines between subjects, these are addressed through interdisciplinary collaboration and teacher working groups (MGMP). Overall, the integration of civic and social values in Economics learning significantly contributes to shaping students’ ethical character and responsibility as citizens.
Analisis Faktor-Faktor Yang Mempengaruhi Kepuasan Pelanggan Café Kopigo Bukittinggi Zulmadian, Siska; Widianita, Rika
Portofolio: Jurnal Ekonomi, Bisnis, Manajemen, dan Akuntansi Vol 22 No 2 (2025): Portofolio: Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Jenderal Achmad Yani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26874/portofolio.v22i2.845

Abstract

This research focuses on analyzing process factors that influence customer satisfaction at Café Kopigo Bukittinggi. This research is motivated by the importance of customer satisfaction in maintaining competitiveness in the culinary industry. This research utilizes a quantitative approach as a method with factor analysis techniques, information techniques collected through interviews and questionnaires with 99 respondents selected using a random sampling method. The results of the analysis show that of the 32 variables studied, there are eight factors that contribute to customer satisfaction. Among these factors, the most dominant are price, emotional service quality, product quality, employee appearance and performance, cleanliness and price competition, product consistency and customer comfort. Therefore, to increase customer satisfaction, Café Kopigo Bukittinggi needs to focus on improving service quality and adjusting prices, as well as creating a more pleasant atmosphere for customers.
Analisis Manajemen Produksi Pada Usaha Jamur Tiram dalam Meningkatkan Penjualaan(Studi Kasus Pada Usaha Budidaya Jamur Tiram Bapak Medi Guamayardi di Pakan Sinayan Kecamatan Banuhampu Kabupaten Agam) Rahmatul Hayana; Rika Widianita
Jurnal Pendidikan Tambusai Vol. 9 No. 3 (2025): Desember
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini bertujuan untuk menganalisis manajemen produksi yang diterapkan pada usaha budidaya jamur tiram milik Bapak Medi Gusmayardi yang berlokasi di Nagari Pakan Sinayan, Kecamatan Banuhampu, Kabupaten Agam. Permasalahan yang dihadapi dalam usaha ini berkaitan dengan rendahnya volume produksi yang tidak mampu memenuhi permintaan pasar, serangan hama pada baglog, serta daya simpan jamur tiram yang sangat singkat. Dengan pendekatan kualitatif deskriptif dan teknik pengumpulan data berupa wawancara, observasi, serta dokumentasi, penelitian ini mengungkap bahwa penerapan manajemen produksi yang lebih terstruktur pada aspek perencanaan, pengorganisasian, pelaksanaan, dan pengawasan sangat diperlukan untuk meningkatkan hasil produksi dan efisiensi usaha. Penelitian ini juga mengaitkan implementasi manajemen produksi dalam perspektif syariah yang menekankan pada nilai keadilan, keseimbangan, keberkahan, dan tanggung jawab sosial. Hasil penelitian menunjukkan bahwa peningkatan strategi manajemen produksi dapat berdampak langsung terhadap peningkatan volume produksi dan penjualan.
Integrasi Keuangan Mikro Syariah dalam Pemberdayaan UMKM Melalui Tabungan Utsman di Kota Bukittinggi Husnil Qatimah; Rika Widianita
BAITUL MAAL : Journal of Sharia Economics Vol. 2 No. 3 (2025): September - Desember
Publisher : Yayasan Lembaga Studi Manarul Ilmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65128/jse.v2i3.141

Abstract

Keterbatasan akses permodalan dan rendahnya literasi keuangan masih menjadi permasalahan utama yang dihadapi Usaha Mikro, Kecil, dan Menengah (UMKM), khususnya di wilayah perkotaan berbasis perdagangan seperti Kota Bukittinggi. Kondisi ini mendorong ketergantungan pelaku UMKM pada pembiayaan informal berbiaya tinggi yang berpotensi melemahkan ketahanan usaha. Dalam konteks tersebut, keuangan mikro syariah hadir sebagai alternatif pembiayaan yang berorientasi pada keadilan dan pemberdayaan ekonomi. Penelitian ini bertujuan menganalisis peran Tabungan Utsman sebagai instrumen keuangan mikro syariah dalam mendukung pemberdayaan ekonomi UMKM di Kota Bukittinggi. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus pada BPRS Jam Gadang Bukittinggi. Data dikumpulkan melalui wawancara mendalam dengan pengelola lembaga, account officer, dan pelaku UMKM, serta didukung oleh analisis dokumen kebijakan dan laporan institusional. Hasil penelitian menunjukkan bahwa Tabungan Utsman berperan dalam meningkatkan akses permodalan dan membentuk perilaku keuangan yang lebih disiplin melalui integrasi fungsi tabungan dan pembiayaan, didukung oleh kebijakan pemerintah daerah dan pendekatan operasional yang adaptif. Namun demikian, efektivitas pemberdayaan masih dibatasi oleh rendahnya kapasitas pengelolaan keuangan sebagian nasabah. Penelitian ini menyimpulkan bahwa keuangan mikro syariah berbasis produk terintegrasi berpotensi menjadi instrumen pemberdayaan ekonomi yang inklusif, sepanjang disertai pendampingan dan literasi keuangan berkelanjutan. Limited access to formal financing and low levels of financial literacy remain persistent challenges for Micro, Small, and Medium Enterprises (MSMEs), particularly in trade-oriented urban areas such as Bukittinggi City. These constraints often compel MSME actors to depend on high-cost informal financing, thereby undermining business resilience and long-term sustainability. Within this context, Islamic microfinance offers an alternative financial model grounded in principles of equity and economic empowerment. This study aims to examine the role of Utsman Savings as an Islamic microfinance instrument in promoting MSME economic empowerment in Bukittinggi City. Adopting a qualitative approach with a case study design, the research was conducted at BPRS Jam Gadang Bukittinggi. Data were collected through in-depth interviews with institutional managers, account officers, and MSME beneficiaries, and were supplemented by an analysis of policy documents and institutional reports. The findings reveal that Utsman Savings enhances access to capital while fostering more disciplined financial behavior through the integration of savings and financing mechanisms, supported by local government policies and adaptive operational practices. Nevertheless, the overall empowerment outcomes remain constrained by the limited financial management capabilities of some beneficiaries. This study concludes that integrated Islamic microfinance products hold significant potential as inclusive instruments for MSME empowerment, provided they are accompanied by sustained financial literacy initiatives and structured business mentoring.
Implementasi Prinsip Ekonomi Islam dalam Mengatasi Keterbatasan SDM terhadap Efektivitas Kinerja Organisasi Pemerintah Bukittinggi Sindi Saputri; Rika Widianita
BAITUL MAAL : Journal of Sharia Economics Vol. 2 No. 2 (2025): MEI-AGUSTUS
Publisher : Yayasan Lembaga Studi Manarul Ilmi

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Abstract

Keterbatasan sumber daya manusia (SDM) merupakan suatu permasalahan di Bagian Organisasi pada kantor Walikota Bukittinggi yang dapat menyebabkan terganggunya dan tidak efektifnya pekerjaan karyawan bagian organisasi. Dengan demikian penelitian ini memiliki tujuan bagaimana Keterbatasan Sumber Daya Manusia terhadap Keefektifan Kinerja Karyawan di Bagian Organisasi Kantor Walikota Bukittinggi. Penelitian ini menggunakan penelitian kualitatif, Dengan fokus pada data yang dikumpulkan dari sumber wawancara, observasi, dan dokumentasi. Berdasarkan hasil penelitian, tantangan utama yang dihadapi oleh Bagian Organisasi di Kantor Walikota Bukittinggi adalah keterbatasan jumlah sumber daya manusia (SDM) yang tidak sebanding dengan pekerjaan di Bagian Organisasi. Keterbatasan sumber daya manusia dapat berdampak terhadap kinerja dan hasil kerja suatu organisasi. Tidak cukupnya Sumber Daya Manusia untuk menyelesaikan tugas atau proyek tertentu dapat menyebabkan beberapa orang atau sumber daya manusia lainnya menanggung beban kerja yang berlebihan. Salah satu langkah nyata dan solusi yang dipilih untuk menghadapi keterbatasan sumber daya manusia di Bagian Organisasi, para karyawan yang masih bertugas dengan melakukan pembagian tugas secara merata di antara seluruh anggota tim yang ada.  This study examines the impact of human resource (HR) limitations on the effectiveness of employee performance within the Organizational Division of the Mayor’s Office in Bukittinggi. The shortage of HR represents a structural challenge that undermines the efficiency of administrative processes and disrupts organizational outcomes. Employing a qualitative research design, data were collected through in-depth interviews, direct observation, and documentation to capture a holistic understanding of the issue. The findings reveal that the Organizational Division is confronted with a mismatch between the number of available personnel and the volume of tasks that must be completed. This imbalance often results in excessive workloads for existing staff, thereby reducing performance effectiveness and potentially impairing organizational productivity. To mitigate these constraints, a practical strategy adopted by the division has been the equitable distribution of responsibilities among employees, which fosters a more balanced workload and sustains operational continuity. The study underscores the importance of addressing HR limitations through effective task allocation and highlights the broader implications for improving organizational governance in local government institutions
Efisiensi Anggaran Pemerintah Indonesia Melalui Penerapan Prinsip Ekonomi Islam Sindi Saputri; Husnil Qatimah; Revo Fernando; Rika Widianita
UANG: Journal of Fiscal and Monetary Studies Vol. 1 No. 1 (2025): June
Publisher : Yayasan Lembaga Studi Manarul Ilmi

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Abstract

Penelitian ini mengkaji efisiensi anggaran pemerintah Indonesia melalui penerapan prinsip ekonomi Islam. Dengan latar belakang perubahan sistem penganggaran dari tradisional ke berbasis kinerja, penelitian ini mengeksplorasi bagaimana prinsip-prinsip ekonomi Islam seperti transparansi, keadilan, dan tanggung jawab dapat meningkatkan efisiensi anggaran. Metode penelitian yang digunakan adalah kajian pustaka dengan pendekatan kualitatif, menganalisis literatur terkait pengelolaan anggaran dan prinsip ekonomi Islam. Hasil penelitian menunjukkan bahwa penerapan prinsip-prinsip ini tidak hanya mendukung efisiensi anggaran, tetapi juga meningkatkan akuntabilitas dan kepercayaan masyarakat. Namun, tantangan seperti korupsi dan kurangnya koordinasi antar lembaga masih menghambat efektivitas implementasi. Penelitian ini merekomendasikan strategi yang lebih inklusif dan berbasis kinerja untuk mencapai tujuan pembangunan yang berkelanjutan. This study examines the efficiency of the Indonesian government budget through the application of Islamic economic principles. Against the backdrop of the change in the budgeting system from traditional to performance-based, this study explores how Islamic economic principles such as transparency, fairness, and accountability can improve budget efficiency. The research method used is a literature review with a qualitative approach, analyzing literature related to budget management and Islamic economic principles. The results of the study indicate that the application of these principles not only supports budget efficiency but also increases accountability and public trust. However, challenges such as corruption and lack of coordination between institutions still hamper the effectiveness of implementation. This study recommends a more inclusive and performance-based strategy to achieve sustainable development goals.
The Effect of Inflation And Interest Rates on The Exchange Rate of The Rupiah In Indonesia From 1993 To 2023 Efendi, Mesty Asyura; Martilova, Novera; Elmizan, Gina Havieza; Widianita, Rika
International Journal of Education, Information Technology, and Others Vol 8 No 4 (2025): International Journal of Education, information technology   and others
Publisher : Peneliti.net

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Abstract

The resulting globalization resulted in interactions between several countries with other countries in various parts of the world, resulting in international trade. In trade between countries, there are differences between countries, namely currency which is one of the characteristics. The benefit of this study is to see whether there is an influence of independent variables on dependent variables. In this study using an approach, this study uses time series data from 1993 to 2023, time series data obtained from the source of the Central Statistics Agency of West Sumatra Province. This study uses several test models including descriptive statistical tests, normality tests, autocorrelation, heteroscedasticity, multicollinearity, multiple linear regression, R² test, t test, and f test. The data obtained were processed using SPSS statistics version 26. The test carried out on the t test has a positive influence on the exchange rate t_calculated (4.577) > t_table (2.048), significant 0.000 <0.05. The test conducted on (X2) found that the interest rate had a negative effect on the exchange rate t_count (4.561) > t_table (2.048), with a significance of 0.000 < 0.05. The results of the f test conducted showed that inflation and interest rates equally affected the interest rate with a t_count value of 11.153 > t_table 3.33, and a significance of 0.00 < 0.005. The test conducted simultaneously using R square 0.443 / 44.3%, the test results together affected the exchange rate by 44.3% which means weak distribution, for 55.7% of 44.3% outside the variables studied.
Teaching Basic Economics through English in Islamic Higher Education: A Mixed Methods Wahyuni, Irna; Shalihah, Maratus; Widianita, Rika
El-Rusyd Vol. 10 No. 2 (2025): December
Publisher : Sekolah Tinggi Ilmu Tarbiyah (STIT) Ahlussunnah Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58485/elrusyd.v10i2.506

Abstract

The integration of content and language learning has increasingly been recognized as an effective pedagogical approach to enhance both subject comprehension and foreign language proficiency. This study examines the effectiveness of using English as a medium of instruction in teaching basic economics within an Islamic higher education context to improve students’ understanding of economic concepts and their English language skills. Employing a qualitative descriptive design, the study involved students enrolled in a basic economics course delivered in English. Data were collected through classroom observations, analysis of students’ learning tasks, and questionnaires, and were analyzed thematically. The findings reveal that English-medium instruction fosters active student engagement, enriches discipline-specific economic vocabulary, and strengthens comprehension of fundamental economic concepts. Despite initial challenges related to limited English proficiency, sustained exposure and supportive instructional strategies were found to mitigate these difficulties. The study highlights the potential of English-medium instruction as an effective approach to strengthening the quality and global orientation of economics education in Islamic higher education.
Co-Authors Aisyah Aisyah Andis Febrian Anisah, Ariyun Ariyun Anisah Asyari Asyari Asyari Asyari Awaluddin Awaluddin Deswita, Santi Devy, Tartila Dewi, Yenty Astari Efendi, Mesty Asyura Faisal Hidayat Fauzi Fauzi Febiola, Putri Febrian, Andis Febrina, Reni Fitra Ananda, Ilham Gina Havieza Elmizan Hafizah Hafizah Halim Halim, Halim Hartono Hartono Hidayat, Faisal Hidayatullah, Abdul Karim Husnil Qatimah Husnil Qatimah Iiz Izmuddin Khadijah Nurani Laila, Yulia M. Imamuddin Mega Ilhamiwati Miftahurrahmah Nency Ayu Wandira Novera Martilova Nurani, Khadijah Pasaribu, Riyan Listianto Purnama, Cahya Agung Putri, Riche Hendriko Putri, Zulvaruri Sintia Rahman, Muthia Rahmanda Suci, Nesha Rahmatul Hayana Revo Fernando Ridhah, Habiba Tur Ridhah, Habibatur Sanya, Sanya Shalihah, Maratus Simatupang, Yulia Asarah Sindi Saputri Sindi Saputri susanti, septria Syafitri, Widya Syaiful Rahman Wahyuni, Irna Yeni, Putri Halida Zulhelmi, Zulhelmi Zulmadian, Siska