Garuda - Garba Rujukan Digital

PENGARUH GAYA KEPEMIMPINAN TERHADAP KINERJA PEGAWAI DITINJAU DARI PERSPEKTIF EKONOMI ISLAM (SURVEI PADA KANTOR CAMAT KECAMATAN KAMPAR KIRI HULU) Edi Haryono; Marabona Munthe
Jurnal Daya Saing Vol. 11 No. 3 (2025): Transformasi Manajemen, Kepemimpinan, dan Pemasaran Digital di Era Ekonomi Mod
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/dayasaing.v11i3.2924

This study aims to analyze the influence of leadership style on employee performance at the Kampar Kiri Hulu Subdistrict Office and to examine it from the perspective of Islamic economics. Leadership is one of the most important factors affecting employee effectiveness in achieving organizational goals. From the Islamic economic perspective, leadership is not merely oriented toward organizational achievement but also emphasizes the values of trustworthiness (amanah), justice, responsibility, and exemplary conduct. This research employed a quantitative approach using a survey method. The population consisted of all employees of the Kampar Kiri Hulu Subdistrict Office, with a saturated sampling technique applied to select respondents. Data were collected through questionnaires and analyzed using simple linear regression analysis. The results indicate that leadership style has a positive and significant effect on employee performance. The better the leadership style implemented, the higher the level of employee performance achieved. Viewed from the perspective of Islamic economics, the leadership style practiced reflects Islamic leadership values such as trustworthiness (amanah), consultation (shura), justice, and responsibility, which contribute to improving employee motivation and productivity. Therefore, strengthening Islamic leadership values should be continuously promoted to enhance public service quality and organizational performance

Pengaruh Bantuan Langsung Tunai (Blt) Terhadap Peningkatan Ekonomi Masyarakat Di Desa Kijang Jaya, Kecamatan Tapung Hilir, Kabupaten Kampar Fitri Fitri; Marabona Munthe; Desriani Desriani; Dwiana Indah Lestara; Edi Haryono
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.15785

Penelitian ini bertujuan untuk mengetahui pengaruh Bantuan Langsung Tunai (BLT) terhadap peningkatan ekonomi masyarakat di Desa Kijang Jaya. Bantuan Langsung Tunai merupakan salah satu program pemerintah yang bertujuan untuk membantu masyarakat miskin atau terdampak ekonomi, terutama akibat situasi krisis seperti pandemi atau kondisi ekonomi lainnya. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei dan teknik analisis data regresi linear sederhana. Data dikumpulkan melalui penyebaran kuesioner kepada 48 responden yang menerima BLT. 1. Berdasarkan analisis secara parsial, hasil uji hipotesis menunjukkan thitung (5,638) > ttabel (1,678) dengan sig 0,000 < probabilitas 0,05 yang berarti hal ini Ho ditolak Ha diterima, sehingga dapat disimpulkan bahwa ada pengaruh yang signifikan Bantuan Langsung Tunai (BLT) terhadap Peningkatan Ekonomi Masyarakat pada pada Desa Kijang Jaya,Kecamatan Tapung Hilir,Kabupaten Kampar. Berdasarkan perhitungan koefisien Determinasi (R2) diketahui bahwa nilai R Square sebesar 0,682. Hal ini menunjukkan bahwa variabel Bantuan Langsung Tunai (BLT)secara keseluruhan memberikan pengaruh sebesar 68,2% terhadap Peningkatan Ekonomi Masyarakat. Hasil penelitian menunjukkan bahwa BLT memiliki pengaruh positif dan signifikan terhadap peningkatan ekonomi masyarakat, yang ditunjukkan melalui peningkatan daya beli, konsumsi rumah tangga, dan stabilitas ekonomi keluarga penerima manfaat. Dengan demikian, program BLT dapat dikatakan efektif dalam membantu meringankan beban ekonomi masyarakat di wilayah penelitian.

Analisis Tingkat Kepuasan Nasabah Pengguna Byond by BSI Abdul Munir; Marabona Munthe
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.287

This study aims to see how big the level of customer satisfaction in using the Byond by BSI application in Riau province and to find out how big the influence of service quality, product quality, convenience and security on customer satisfaction who use Byond by BSI, and to find out how satisfied customers are in using Byond by BSI. The research method of data analysis uses quantitative using the Multiple Linear Regression approach. The results of the study indicate that customer satisfaction of Byond by BSI users in Riau Province is relatively very satisfied. This can be seen based on the results of the study that the number of high satisfaction responses from respondents' answers, in terms of service quality with a significant value of 0.001 with a positive regression value of 0.183%, product quality with a significant value of 0.001 with a regression value of -0.244% ease of use with a significant value of 0.001 with the highest regression value of 0.458%, and security with a significant value of 0.002 with a regression value of 0.206%.

Pengaruh Cybersecurity Terhadap Layanan Mobile Banking Bank Syariah Di Kota Pekanbaru Indah Nursifa Abdul Gani; M. Syahrullah; Marabona Munthe
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.307

The development of digital technology has encouraged the banking sector, including Islamic banking in Indonesia, to introduce mobile banking-based services in an effort to improve service quality and meet customer needs quickly, easily, and efficiently. However, the growth of this digital service is also accompanied by an increase in the potential for cyber threats that can compromise data security, customer trust, and convenience in transactions. This study aims to analyze the impact of cybersecurity on Islamic mobile banking services in Indonesia, specifically on aspects of security, system reliability, and customer satisfaction. The research method used a quantitative approach by distributing questionnaires to customers using Islamic mobile banking services. Data were analyzed through validity and reliability tests and linear regression analysis to determine the relationship between cybersecurity variables and the quality of digital banking services. The results show that good cybersecurity implementation has a significant influence on customer trust and satisfaction, as well as improving perceptions of the quality of Islamic mobile banking services. These findings confirm that digital security aspects are a critical factor that Islamic banks need to consider in developing mobile banking services, to support sustainability, competitiveness, and public trust in the Islamic banking system in the digital era.

Pengaruh Pengetahuan, Persepsi Dan Pendapatan Terhadap Keputusan Berwakaf Uang Di Kota Pekanbaru Dinda Fareza; Marabona Munthe; Muhammad Lisman
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 5 (2026): September
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i5.3042

Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan, persepsi, dan pendapatan terhadap keputusan berwakaf uang di Kota Pekanbaru, baik secara parsial maupun simultan. Metode penelitian yang digunakan adalah metode kuantitatif. Populasi dalam penelitian ini adalah pegawai Kantor Kementerian Agama Kota Pekanbaru, dengan sampel yang ditentukan menggunakan rumus Slovin. Teknik pengambilan sampel menggunakan probability sampling dengan metode simple random sampling.Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan regresi linear berganda dengan bantuan program IBM SPSS Statistics. Hasil penelitian menunjukkan bahwa pengetahuan berpengaruh signifikan terhadap keputusan berwakaf uang, di mana semakin baik pemahaman wakif mengenai konsep dan manfaat wakaf uang, semakin besar kecenderungan mereka untuk mengambil keputusan berwakaf. Persepsi juga berpengaruh positif dan signifikan, menunjukkan bahwa pandangan dan penilaian positif terhadap wakaf uang turut mendorong keputusan untuk berwakaf. Pendapatan turut berpengaruh positif dan signifikan, mengindikasikan bahwa kemampuan finansial seseorang berkaitan erat dengan kesediaannya menyisihkan sebagian hartanya untuk wakaf. Secara simultan, ketiga variabel tersebut terbukti berpengaruh signifikan terhadap keputusan berwakaf uang, sehingga dapat disimpulkan bahwa pengetahuan, persepsi, dan pendapatan merupakan faktor-faktor penting yang saling melengkapi dalam mendorong keputusan pegawai Kantor Kementerian Agama Kota Pekanbaru untuk berwakaf uang.

Perspektif Arisan Dalam Konteks Ekonomi Syariah Di Kelurahan Sialang Munggu Kota Pekanbaru Afri Maharani; Putri Jamilah; Marabona Munthe
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 5 (2026): September
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i5.3043

Arisan merupakan kegiatan ekonomi informal masyarakat yang dilakukan berdasarkan kesepakatan bersama dan kepercayaan antaranggota. Penelitian ini dilatarbelakangi oleh berkembangnya praktik arisan di masyarakat yang tidak hanya berfungsi sebagai kegiatan pengumpulan dana, tetapi juga memiliki nilai ekonomi dan sosial yang perlu dikaji berdasarkan prinsip ekonomi syariah. Penelitian ini bertujuan untuk mengetahui mekanisme pelaksanaan arisan, manfaat arisan, komitmen dan kepercayaan antaranggota, serta menganalisis praktik arisan dalam perspektif ekonomi syariah di Kelurahan Sialang Munggu Kota Pekanbaru. Metode penelitian yang digunakan adalah metode kualitatif dengan pendekatan deskriptif. Data diperoleh melalui wawancara terhadap 13 informan yang dipilih menggunakan teknik purposive sampling dan dianalisis menggunakan coding melalui aplikasi Atlas.ti. Hasil penelitian menunjukkan bahwa praktik arisan dilakukan berdasarkan kesepakatan bersama mengenai jumlah iuran, waktu pembayaran, dan sistem pembagian dana. Arisan memberikan manfaat sebagai sarana menabung, membantu kebutuhan rumah tangga, mendukung usaha, serta mempererat hubungan sosial. Praktik arisan tersebut sesuai dengan prinsip ekonomi syariah karena tidak mengandung unsur riba, terdapat transparansi dana, kesepakatan, keadilan, dan nilai ta’awun (tolong-menolong).

PENGARUH LITERASI WAKAF DAN RELIGIUSITAS TERHADAP MINAT WAKAF MELALUI UANG PADA MAHASISWA DI UNIVERSITAS MUHAMMADIYAH RIAU Angel Pratama Mahyuni Saputri; Rika Septianingsih; Marabona Munthe
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 5 (2026): September
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i5.3052

Penelitian ini bertujuan untuk mengetahui pengaruh literasi wakaf dan religiuistas terhadap minat wakaf melalui uang pada mahasiswa di Universitas Muhammadiyah Riau, baik secara parsial maupun simultan. Penelitian ini dilatarbelakangi oleh masih rendahnya partisipasi mahasiswa dalam program wakaf melalui uang di lingkungan kampus, meskipun secara kelembagaan pengelolaan wakaf di Provinsi Riau tergolong sangat baik menurut Indeks Wakaf Nasional. Penelitian ini menggunakan pendekatan kuantitatif dengan populasi seluruh mahasiswa Universitas Muhammadiyah Riau angkatan 2022-2025. Sampel ditentukan menggunakan rumus Slovin dengan teknik purposive sampling. Data dikumpulkan melalui kuesioner skala likert dan dokumentasi, kemudian dianalisis menggunakan uji instrument, uji asumsi klasik, regresi linear berganda, uji hipotesis, serta uji koefisien determinasi dengan bantuan SPSS versi 32. Hasil penelitian menunjukkan bahwa literasi wakaf berpengaruh positif dan signifikan terhadap minat mahasiswa berwakaf melalui uang, yang dalam perspektif islam mencerminkan pemahaman terhadap konsep, hukum, dan tata cara wakaf sesuai syarat sehingga menumbuhkan kesadaran bahwa wakaf adalah amal jariyah yang pahalanya terus mengalir. Religiusitas juga terbukti berpengaruh positif dan signifikan, mencerminkan tingkat keimanan dan ketakwaan yang mendorong amal saleh demi meraih rida Allah SWT. secara simultan, kedua variabel berpengaruh signifikan terhadap minat wakaf melalui uang, menunjukkan bahwa pemahaman syariat dan kesadaran speitual saling melengkapi dalam mendorong partisipasi mahasiswa dalam filantropi Islam.

Pengaruh Keamanan Akses Dan Kemudahan Layanan Terhadap Minat Mahasiswa Dalam Menggunakan Dompet Digital Sri Kania Nurawalia; Marabona Munthe; Muhammad Lisman
Jurnal Ilmu Ekonomi dan Bisnis Vol. 3 No. 3 (2026): JUKONI - Oktober
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jukoni.v3i3.2011

This study aims to examine the partial and simultaneous effects of access security and service convenience on students’ interest in using digital wallets among students at Islamic universities in Pekanbaru City. This research employs a quantitative approach with a survey method, with the sample size determined using the Slovin formula. Data were collected by distributing questionnaires to 100 student respondents from Islamic universities in Pekanbaru City and analyzed using ordinal logistic regression with the Statistical Package for the Social Sciences (SPSS) version 27. The partial results show that access security has a positive and significant effect on students’ interest in using digital wallets. Meanwhile, service convenience also has a positive and significant effect on students’ interest in using digital wallets, although its influence is not as strong as that of access security. Simultaneously, access security and service convenience have a significant effect on students’ interest in using digital wallets. Thus, students’ interest in using digital wallets in this study is more dominantly influenced by access security, while service convenience acts as a supporting factor that further strengthens the interest in usage. From the perspective of Islamic economics, these findings underscore the importance of the principle of amanah (trustworthiness) in maintaining security and the principle of taisir (facilitation) in providing convenience in digital muamalah (transactions). This study is expected to serve as a reference for digital wallet service providers in developing services that are both secure and user-friendly.

Pengaruh Digital Banking Dan Customer Experience Terhadap Loyalitas Nasabah Pada Pt Bank Riau Kepri Syariah Pekanbaru Panam Luqfia Afifah; Marabona Munthe; Wahyi Busyro
Jurnal Ilmu Ekonomi dan Bisnis Vol. 3 No. 3 (2026): JUKONI - Oktober
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jukoni.v3i3.2013

This study aims to determine the influence of Digital Banking and Customer Experience on Customer Loyalty at PT Bank Riau Kepri Syariah. The advancement of digital technology has driven banks to provide digital services that offer convenience, speed, and a positive experience to customers. Consequently, Digital Banking and Customer Experience are identified as factors likely to enhance Customer Loyalty. This study employs a quantitative research method using a survey approach. The population consists of PT Bank Riau Kepri Syariah customers who use the BRKS Mobile application. The sample comprises 100 respondents selected through purposive sampling. Data collection was conducted via questionnaires, while data analysis utilized the Statistical Package for the Social Sciences (SPSS) software, covering validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, partial tests (t-test), simultaneous tests (F-test), and the coefficient of determination (R²). The results indicate that Digital Banking has a positive and significant effect on Customer Loyalty (significance value of 0.014), while Customer Experience also has a positive and significant effect on Customer Loyalty (significance value of 0.000). Simultaneously, Digital Banking and Customer Experience exert a positive and significant influence on Customer Loyalty (significance value of 0.000). The coefficient of determination (R-Square) of 0.499 indicates that the Digital Banking and Customer Experience variables explain 49.9% of the variance in Customer Loyalty, while the remaining 50.1% is influenced by factors outside the scope of this study. Thus, improving the quality of Digital Banking services and enhancing the positive experiences perceived by customers can boost Customer Loyalty at PT Bank Riau Kepri Syariah.

Pengaruh Tingkat Pendidikan Dan Religiusitas Terhadap Pembiayaan Permodalan Nasional Madani (PNM) Mekaar Syariah Sinta Cahyani Putri; Marabona Munthe; Putri Jamilah
Jurnal Ilmu Ekonomi dan Bisnis Vol. 3 No. 3 (2026): JUKONI - Oktober
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jukoni.v3i3.2036

This study aims to analyze the effect of education level and religiosity on the use of PNM Mekaar Sharia financing. Using a quantitative associative approach, this study involved 101 PNM Mekaar Sharia customers in Ranah Sungkai Village, XIII Koto Kampar District, Kampar Regency. Primary data were collected through questionnaires and secondary data through books, journals, documents, and other relevant sources. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination. The results show that education level has a positive and significant effect on financing use, with a t-value of 8.083 and significance of 0.000. Religiosity has a positive but not significant effect, with a t-value of 1.232 and significance of 0.221. Simultaneously, education level and religiosity significantly affect financing use, with an F-value of 32.680 and significance of 0.000. The coefficient of determination (R²) is 0.400, indicating that the two independent variables explain 40% of the variation in financing use. The findings indicate that education is a more dominant partial factor, while religiosity is not a significant partial determinant of financing use.

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