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All Journal ZAWA:Management of Zakat and Waqf Journal Jurnal Manajemen Bisnis Syariah Krigan: Journal of Management and Sharia Business Al-bank: Journal of Islamic Banking and Finance
Rizal
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Impact of the Uninhabitable House Assistance Program on the Welfare of Beneficiary Communities: A Study at BAZNAS Solok Regency Dwi Azizah Putri; Rahmat Firdaus; Rizal; Febria Rahim
ZAWA: Management of Zakat and Waqf Journal Vol. 5 No. 2 (2025): December
Publisher : Institute of Research and Community Service Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/zawa.v5i2.16055

Abstract

Poverty and inadequate housing remain persistent issues in Solok Regency. As an effort to empower mustahik, the Solok Regency BAZNAS implements the Uninhabitable House Program (RTLH) through the construction and rehabilitation of homes for low-income communities. This study aims to describe the mechanism for determining program beneficiaries and to examine the program’s impact on their welfare. A descriptive qualitative approach was employed, using data collection techniques such as observation, interviews with commissioners, amil, and beneficiaries, as well as program documentation. The data were analyzed through the stages of reduction, presentation, and conclusion-drawing using source triangulation. The results show that beneficiary selection is carried out through application submission, administrative verification, field surveys, and deliberative decision-making. The RTLH program improves the physical feasibility of houses, enhances a sense of security, strengthens self-esteem, and promotes social interaction among beneficiaries, although challenges persist due to limited funding and restricted program coverage. Therefore, optimization in planning and expansion of program targets is needed going forward. These findings highlight the strategic role of zakat in poverty alleviation through the provision of decent housing at the regional level
Pengaruh Hard Skill dan Soft Skill Terhadap Kesiapan Kerja Alumni Perbankan Syariah Pada Bank Syariah Melalui Motivasi Sebagai Variabel Intervening Ilham Mahdi; Rizal; Nofrivul
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16486

Abstract

This study aims to examine the effects of hard skills and soft skills on the work readiness of Islamic banking alumni, both directly and indirectly through work motivation as an intervening variable. A quantitative research design was employed using a census approach involving 196 alumni of the Islamic Banking Study Program at UIN Mahmud Yunus Batusangkar who had entered the workforce. Data were collected using structured questionnaires and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4.0.The results indicate that hard skills and soft skills significantly influence work motivation and work readiness. Soft skills demonstrate a stronger effect on work motivation, while motivation plays a crucial mediating role in strengthening the relationship between both types of skills and work readiness. Furthermore, work motivation significantly enhances graduates’ preparedness to meet professional demands, particularly in the Islamic banking sector. These findings contribute theoretically by reinforcing the role of motivation as a key mediating variable linking technical and non-technical competencies with work readiness. Practically, this study provides important implications for higher education institutions and the Islamic banking industry in designing curricula and development programs that integrate the enhancement of hard skills, soft skills, and motivational aspects to improve graduate employability and career alignment with the Islamic financial sector
Determinasi Kinerja Pegawai: Peran Motivasi, Budaya Organisasi, Kepemimpinan, dan Disiplin Kerja Megi Saputra; Rizal; Himyar Pasrizal
Krigan: Journal of Management and Sharia Business Vol. 3 No. 2 (2025): Desember 2025
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v3i2.10316

Abstract

Penelitian ini bertujuan menguji peran disiplin kerja sebagai variabel mediasi dalam hubungan antara motivasi, budaya organisasi, dan kepemimpinan terhadap kinerja pegawai pada organisasi sektor publik. Celah penelitian terletak pada inkonsistensi temuan empiris mengenai fungsi mediasi disiplin kerja dalam konteks birokrasi pemerintah. Penelitian ini menggunakan pendekatan kuantitatif dengan data yang dikumpulkan dari 33 pegawai Dinas Kependudukan dan Pencatatan Sipil Kabupaten Tanah Datar, instansi dengan kinerja tertinggi di Provinsi Sumatera Barat, melalui teknik convenience sampling. Analisis data dilakukan menggunakan regresi berganda dan analisis jalur (uji Sobel). Hasil penelitian menunjukkan bahwa budaya organisasi berpengaruh signifikan terhadap disiplin kerja, sementara motivasi dan kepemimpinan tidak berpengaruh signifikan. Selain itu, kepemimpinan dan disiplin kerja berpengaruh signifikan terhadap kinerja pegawai, sedangkan motivasi dan budaya organisasi tidak berpengaruh langsung. Uji mediasi menegaskan bahwa disiplin kerja tidak memediasi pengaruh motivasi, budaya organisasi, dan kepemimpinan terhadap kinerja. Temuan ini menegaskan bahwa disiplin kerja berfungsi sebagai determinan langsung kinerja, bukan sebagai mekanisme mediasi, dalam konteks organisasi publik berbasis aturan.
Kinerja UMKM di Era Ekonomi Digital: Kajian Literasi Keuangan, Orientasi Kewirausahaan dan Akses Permodalan Dengan Moderasi Teknologi Digital Chitra Indah Sari; Rizal; Nil Firdaus
MABIS Jurnal Manajemen Bisnis Syariah Vol. 5 No. 2 (2025): Jurnal Manajemen Bisnis Syariah:MABIS
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/mabis.v5i2.16046

Abstract

This study aims to analyze the effect of financial literacy, entrepreneurial orientation, and access to capital on the performance of Micro, Small, and Medium Enterprises (MSMEs) in the digital economy era, considering the role of digital technology as a mediating variable. The research method uses a quantitative approach with a survey of 100 active MSME players in Indonesia who have been running their businesses for at least two years and utilize digital technology in one aspect of their operations. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM) using SmartPLS 4.0. The results show that financial literacy, entrepreneurial orientation, and access to capital have a positive and significant effect on MSME performance. Entrepreneurial orientation contributes the most, followed by financial literacy and access to capital. In addition, digital technology was found to mediate the relationship between these three independent variables and MSME performance, strengthening the internal contribution of businesses to increasing competitiveness. These findings confirm that digitalization is not merely an additional tool, but functions as a strategic catalyst in strengthening MSME performance. This study provides practical implications that the government and stakeholders need to expand support for financial literacy, entrepreneurship coaching, and digital-based access to capital so that MSMEs can survive and develop sustainably amid disruption.
Co-Authors Chitra Indah Sari Dwi Azizah Putri Febria Rahim Firdaus, Rahmat Himyar Pasrizal Ilham Mahdi Megi Saputra Nil Firdaus Nofrivul