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Nasfi, Nasfi

Lecturer At STES Manna Wa Salwa, Padang Panjang, Indonesia

Author-ID : 1081090

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PENGARUH EMOSIONAL, RASIONAL KEPUTUSAN NASABAH MEMILIH BERTRANSAKSI DENGAN BANK MUAMALAT Ratmi Yeno Metra; Miswardi Miswardi; Yenty Astari Dewi; Nasfi Nasfi
Jurnal Apresiasi Ekonomi Vol 8, No 3 (2020)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Perilaku konsumen maupun nasabah bank dipengaruhi faktor psikologi, diantaranya faktor emosional dan faktor rasional. Penelitian ini mengkaji tentang faktor emosional dan faktor rasional berpengaruh terhadap keputusan nasabah bertransaksi dengan bank, tujuan untuk mengetahui, menganalisis pengaruh faktor emosional, rasional berpengaruh terhadap keputusan nasabah bertransaksi dengan Bank Muamalat Cabang Pembantu Payakumbuh. Jenis penelitian lapangan (field research) bersifat deskriptif, data dikumpul melalui hasil kuesioner dengan tekhnik analisa kuantitatif, dengan regresi linier berganda dengan persamaan sebagai berikut: Y = 36,974 + -0,957X1 + 1,906X2. Hasil penelitian uji t menunjukkan variabel faktor emosional secara parsial tidak berpengaruh terhadap keputusan nasabah memilih bertransaksi dengan nilai t hitung < t tabel sehingga Ho diterima. Variabel faktor rasional juga berpengaruh terhadap keputusan nasabah memilih bertransaksi dengan nilai t hitung > t tabel sehingga H0 ditolak, uji F diketahui variabel faktor emosional, faktor rasional berpengaruh signifikan secara bersama-sama terhadap keputusan nasabah memilih bertransaksi pada Bank Muamalat. The behavior of consumers and bank customers is influenced by psychological factors, including emotional factors and rational factors. This study examines the emotional and rational factors influencing the customer's decision to transact with the bank, the purpose of knowing, analyzing the influence of emotional factors, rational influencing the customer's decision to transact with Bank Muamalat Payakumbuh Supporting Branch. This type of field research is descriptive, data collected through the results of a questionnaire with quantitative analysis techniques, with multiple linear regression with the following equation: Y = 36,974 + -0,957X1 + 1,906X2. The results of the t test showed that partially emotional factors had no effect on the customer's decision to transact with the calculated t value <t table so that Ho was accepted. The rational factor variable also influences the customer's decision to choose a transaction with the value of t arithmetic> t table so that H0 is rejected, the F test is known to be the variable of emotional factors, the rational factor has a significant effect jointly on the customer's decision to trade at Muamalat Bank

FOOD COMPOSITION AND HALAL AWARENESS AGAINST INTENTION TO BUY FAST FOOD WITH HALAL CERTIFICATE AS AN INTERVENING VARIABLE Nasfi Nasfi; Sabri Sabri; Hesi Eka Puteri
Jurnal Apresiasi Ekonomi Vol 11, No 2 (2023)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v11i2.636

The aim of the research is to analyze the effect of food composition and halal awareness on the intention to buy fast food with halal certificates as an intervening variable, research in the city of Bukittinggi, the research object of the millennial generation who likes to consume fast food. The population of the Millennial generation aged 15-39 years is 57,099. Non-probability sampling technique, purposive sampling method. The sampling method is the Hair et.al method, the research indicators are 11, the sample is set at 110. The data is processed using the Smart PLS Software. The results of the study found that food composition and halal awareness had a positive and significant effect on the millennial generation's purchase intention of fast food. Halal awareness has no positive and significant effect on purchase intention. The results of the study also found that food composition did not have an indirect effect on the intention to buy fast food in the millennial generation with halal certificates as an intervening variable. Halal awareness does not have an indirect effect on the intention to buy fast food in the millennial generation with halal certificates as an intervening variable.

ISLAMIC STRATEGIC MANAGEMENT OF VILLAGE OWNED ENTERPRISES IN INCREASING VILLAGE ORIGINAL INCOME Nasfi Nasfi; Sabri Sabri; Suhatman Suhatman; Rizda Octaviani
Imara: JURNAL RISET EKONOMI ISLAM Vol 7, No 1 (2023): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v7i1.8409

Background. Each Nagari or village has the potential to be developed in order to increase the income and welfare of its people , one of which is the management of Village Owned Enterprises or BUMNag through good managerial skills by the leader of the organization, moreover the leader is based on Islam, according to the philosophy of West Sumatra, "Adat Basandi Syarak, Syarak Basandi Kitabullan", is a reflection of the pattern of behavior in social life and Islamic leadership in the Minangkabau.Purpose. The research aims to determine the factors that influence the increase in the village's original income from the operation of Village-Owned Enterprises based on Islamic Strategic Management.Method. The reseach use the Delphi Method, informants are 6 experts (experts) and carry out a SWOT Analysis to determine the right strategy.Results. Research findings, the factors that influence the increase in the village's original income, from an average strengths score of 4.93 or 96.67, Government policies and Commitment of the Village Head with the same score and an average score of 3.83 or 76.67, administration and cooperation with other agencies with the same score. The Weaknesses factor has an average score of 5.00 or 100, the sanctions are not strict enough for the management of Village-Owned Enterprises and leakage of user fees/consumer contributions with an average score of 2.5 is less effective. Opportunity factor with an average score of 5.00 or 100 for good public services supported by advances in information technology with an average score of 4.17. Threaths of illegal waste disposal with an average score of 4.83 and closure of waste collection points in jorong-jorong with an average score of 4.17 or 46.67 with the criteria of Ineffective.Conclusion. In managing Village Owned Enterprises with the implementation of Islamic strategic management, there are several factors that influence the income of Village Owned Enterprises to increase Village Original Income.

Audit Opinion And Sharia Compliance In Increasing Trust In Zakat Baznas Padang Panjang Nasfi Nasfi; Zakaria Aziz; Yunimar Yunimar; Adi Perwira
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 1 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i1.452

The purpose of this research is to determine audit opinion and sharia compliance in increasing trust in zakat in Baznas Padang Panjang City. Type of qualitative research, phenomenological approach method. Baznas Research Location Padang Panjang City. The results of research on audit opinion and sharia compliance are complementary audit instruments. Sharia compliance audits complement conventional financial audits, so that the picture of Baznas' financial performance reports is more comprehensive. So that Baznas is worthy of being an authority institution in carrying out zakat management professionally and with integrity in zakat management, realizing a commitment to transparency, increasing the value of accountability as a manager of zakat funds and finally building a positive reputation and image in society. Public trust is the main factor in increasing zakat receipts at Baznas. A positive audit opinion and sharia compliance predicate is a combination of instruments that contribute to increasing Baznas zakat receipts. The research is implemented in providing recommendations to zakat management institutions that have not carried out audit activities to start implementing them. Audits help zakat institutions in building public recognition and trust.

POTENSI TRANSFORMASI SPP KONVENSIONAL MENJADI SPP SYARIAH MELALUI ANALISA SWOT (STUDI PADA KELOMPOK SPP NAGARI CUBADAK) Fitri, Sari; Mariko, Suhatri; Nasfi, Nasfi
Jurnal Apresiasi Ekonomi Vol 9, No 3 (2021)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v9i3.419

Penelitian ini bertujuan untuk melihat seberapa besar peluang transformasi Simpan Pinjam Perempuan (SPP) Konvensional menjadi SPP Syariah pada kelompok SPP Nagari Cubadak, Kecamatan Lima Kaum, Kabupaten Tanah Datar, Provinsi Sumatera Barat yang diukur melalui analisa SWOT. Hasil penelitian menujukan bahwa posisi transformasi SPP konvensional menjadi SPP syariah berada pada Kuadran 1 yaitu 0,8 = x dan 2,5 = y. Sehingga pada posisi ini dapat disimpulkan bahwa posisi ini merupakan situasi yang sangat menguntungkan bagi kelompok SPP di Nagari Cubadak untuk bertransformasi menjadi kelompok SPP berbasis Syariah. RekomendasiÂ strategi yang perlu dilakukan yaitu dengan memanfaatkan seluruh kekuatan dan memanfaatkan peluang yang sebesar-besarnya untuk mewujudkan transformasi kelompok SPP menjadi kelompok SPP Syariah. Strategi yang harus diterapkan adalah mendukung kebijakan pertumbuhan yang agresif (growth oriented strategi).Â Â This study aims to see how big the chances of transforming Conventional Women's Savings and Loans (SPP) into Sharia SPP in the SPP Nagari Cubadak group, Lima Kaum District, Tanah Datar Regency, West Sumatra Province as measured by SWOT analysis. The results of the study show that the position of the transformation of conventional SPP into Islamic SPP is in Quadrant 1, namely 0.8 = x and 2.5 = y. So in this position it can be concluded that this position is a very favorable situation for the SPP group in Nagari Cubadak to transform into a Sharia-based SPP group. The strategic recommendation that needs to be done is to take advantage of all strengths and take advantage of the maximum opportunity to realize the transformation of the SPP group into a Sharia SPP group. The strategy that must be implemented is to support an aggressive growth policy (growth oriented strategy).Â

MARGIN, PLAFOND PEMBIAYAAN DAN PELAYANAN ACCOUNT OFFICER TERHADAP NON PEFORMING FINANCING Nasfi; Yunimar; Adi Prawira; Eka Febrianti; Asnah
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 20 No. 2 (2023)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jieb.v20i2.12408

Bank Syariah dalam beroperasional meningkatkan kinerja salah satunya ditentukan oleh faktor atau rasio Non Peforming Financing (NPF). Kinerja NPF dipengaruhi oleh Margin , Plafond dan Pelayanan Account Officer. Tujuan penelitian untuk mengetahui pengaruh Margin Pembiayaan, Plafond Pembiayaan dan Pelayanan Account Officer terhadap Non Peforming Financing (NPF) bank syariah, bank umum syariah dan bank pembiayaan rakyat syariah. Jenis Penelitian Kuantitatif dengan sampel semua perbankan syariah yang beroperasional di Kota Bukittinggi, responden 70 orang dan data dianalisis dengan analisis regresi linear berganda serta waktu penelitian dari Juni sampai Desember 2022. Hasil penelitian, persamaan analisis regeresi linear berganda Y = 7,853 + 0,016X1 + 0,130X2 + 0,647X3, hasil uji F nilai Fhitung 30,940 > Ftabel 2,73, tingkat keyakinan 95% dan signifikan 0,05, disimpulkan pengaruh variabel independen (X1, X2 dan X3) terhadap variabel dependen (Y) dengan simultan. Hasil uji parameter individual menjawab hipotesis pertama diketahui Margin (X1) tidak mempengaruhi NPF secara sifnifikan, jawaban hipotesis kedua dan ketiga, Plafond dan Pelayanan Accoint Officer memiliki pengaruh terhadap NPF perbankan syariah. Islamic banks in their operations improve performance, one of which is determined by the factor or ratio of Non-Performing Financing (NPF). NPF performance is influenced by Margin, Ceiling and Account Officer Services. The aim of the study was to determine the effect of Financing Margins, Financing Ceilings and Account Officer Services on Non-Performing Financing of Islamic banks, Islamic commercial banks and Sharia Rural Bank. Type of Quantitative Research with a sample of all Islamic banking operations in the City of Bukittinggi, 70 respondents and data were analyzed using multiple linear regression analysis and the research time was from June to December 2022. The results of the study, the equation of multiple linear regression analysis, Y = 7.853 + 0.016X1 + 0.130X2 + 0.647X3, F value test results Fcount 30.940 > Ftable 2.73, 95% confidence level and 0.05 significant. concluded the effect of the independent variables (X1, X2 and X3) on the dependent variable (Y) simultaneously. The results of the individual parameter test answer the first hypothesis, it is known that Margin (X1) does not significantly affect NPF, the answers to the second and third hypotheses, Ceiling and Account Officer Services have an influence on NPF of Islamic banking.

Transformation Of IAIN Into UIN And Internal Supervision Unit Model Erwin, Erwin; Nasfi, Nasfi
International Journal of Islamic Business and Management Review Vol. 2 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

National Islamic Religious Universities (PTKIN) have begun to change their form, thus a supervisory step is needed in the form of an Internal Supervisory Unit (SPI) in accordance with the Regulation of the Minister of Religion of the Republic of Indonesia No. 25 of 2017. Where the PTKIN supervision system is required to focus on achieving Governance, control, risk management, but not just administrative activities. The steps and the presence of SPI in PTKIN are required by all elements to understand and share views on how the duties and responsibilities of SPI are, no less important is the leadership of PTKIN to the highest decision maker or top management. The research was conducted at 3 (three) PTKIN which will be transformed into a State Islamic University (UIN) using the "A Case Study" method. Data obtained from interviews, observations and documentation then processed. Processing of data by checking the correctness of the data, compiling data, carrying out coding, classifying data, correcting unclear interview answers. The results of the research on the implementation of internal control at PTKIN are running, but there are still aspects of supervision that have not been fully implemented. Steps to increase supervision by increasing the number of SPI personnel and adding supporting tools such as an integrated information system. The goal is that the implementation of Governace in SPI reaches all aspects of activities in the work unit, so that the supervision system runs fully.

The Influence Of Leaders’ Knowledge, Skil, And Ability On The Performance Of The Community Satisfaction Index Rahmad; Diga Putri Oktaviane; Wahib Assyahri; nasfi, nasfi
Adpebi International Journal of Multidisciplinary Sciences Vol. 3 No. 2 (2024)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v3i2.1062

The object of this research is the Agam Regency Community Welfare Index (IKM), to examine the influence of Leadership Knowledge, Skill and Ability on Performance in Agam Regency SMEs. The aim of this research is to determine how this model can provide a more precise picture of the causal relationship between Leadership Knowledge, Skill, Ability and Performance. the research sample was 100 employees of IKM Agam Regency, taken from business units engaged in manufacturing such as the production of crafts, food, bags, shoes, crackers and garments. Research data analysis is a structural equation model with the SPSS application program to test the 4 (four) hypotheses that have been developed, the relationship that has been hypothesized is a causal relationship. The results of the proposed hypothesis are accepted, the significance value of the Knowledge variable (X1) is 0.031, the significance value of the Skill variable (X2) is 0.028 and the significance value of the Ability variable (X3) is 0.046, then it is proven that if the significance value (sig) or the probability value is smaller than the significance level used (= 0.05), it can be concluded that there is a significant influence of the Knowledge (X1), Skill (X2) and Ability (X3) variables on Performance in IKM Agam Regency.

Manajemen Strategik Dinas Perhubungan Kota Bukittinggi Dalam Meningkatkan Pendapatan Retribusi Parkir Rahmad, Rahmad; Nasfi, Nasfi
MAMEN: Jurnal Manajemen Vol. 1 No. 3 (2022): Juli 2022
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v1i3.650

This study aims to determine the factors that influence the increase in local revenue (PAD) of the City of Bukittinggi from parking fees, how to manage strategies in increasing parking fees. The study consisted of 2 stages, the Delphi method with 2 stages of interviews and SWOT analysis, to obtain information on the factors that influence the increase in parking fees and see the level of importance and effectiveness of the government's response. Informants are experts (experts) as many as 6 people and conduct a SWOT analysis to determine the right strategy. The research findings, the factors that influence the increase in parking fees, are seen from Strengths with an average score of 4.83 or 96.67 and the commitment of regional heads and ranks with an average score of 4.83 or 96.67. The level of effectiveness of the government's response is cooperation with other agencies with an average score of 3.83 or 76.67. Weaknesses factor average score of 5.00 or 100 The level of effectiveness of the government's response to parking attendants and supervisors who violate the rules with an average score of 4.17 is less effective. Opportunity factor with an average score of 5.00 or 100. The level of effectiveness of the government's response is the advancement of information technology with an average score of 4.17. Threaths with the highest level of importance were thuggery and unscrupulous officers with an average score of 4.83. Based on the level of effectiveness of the government's response is natural conditions (pandemic) with an average score of 4.17 or 83.33 with Effective criteria.

Pengetahuan, Fitur Produk Dan Kebutuhan Produk Terhadap Keinginan Mengunakan Jasa Layanan Bank Syariah di Pondok Pesantren Nasfi Nasfi; Okfi Resti; Asnah Asnah; Eka Febrianti; Suhatman Suhatman
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.8296

Sharia banking as a national asset grows 9.22% in 2020 in Muslim-majority countries, the aim of this research is to find out the effect of knowledge, product features and the need for the desire to use sharia banking financing and funding products in the city of Padang Panjang, which is predominantly a Muslim community. This type of descriptive quantitative research using a questionnaire technique, the population of Islamic boarding school teachers is 211 people and the research sample is 138 people, multiple linear analysis techniques. Analysis with validity, reliability and multiple linear regression analysis techniques. Research results individually have no significant effect on making prospective customers use Islamic bank services, but prospective customers want to use Islamic banking services because there is a need for bank products

Co-Authors Abdul Murad Bin Ahmad Abdul Rosid Adi Perwira Adi Prawira Adi Prawira Agung Budilaksono AHMAD LUTFI Ahmad Lutfi Alfajri, Doni Alizar Hasan Amanda Reskillah Anne Putri Antoni Antoni Antoni Antoni Antoni Antoni Antoni Antoni Asnah Asnah Asnah Asnah Asnah Asnah Asnah Asnah Asnah Asnah Astuti, Ni Luh Gde Sari Dewi Aziz , Zakaria Aziz, Zakaria Daniel Happy Putra DEWI ARIANI Diga Putri Oktaviane Doni Alfajri Eka Febrianti Eka Febrianti Eka Febrianti Eka Febrianti Eka Febrianti Eka Febrianti, Eka Eka, Febrianti Endri, Fauziah Era Sonita Erwin Erwin Erwin Erwin Fafika Nengsih, Yeni Fitri, Sari Handayani Handayani Hartoto Hartoto Hesi Eka Puteri Husni Fuaddi Imran Imran Irwan Muslim Irwan muslim, Irwan muslim Isnanda Mai Yuliza Mai Yuliza Mariko, Suhatri Maskur Arif Meity. L. H. Lado Meri Rahmania Sari Mezi Desri Misneli Misneli Miswardi Miswardi Miswardi Miswardi, Miswardi Moni, Rahmah Nanci Yosepin Simbolon Nofrivul, Nofrivul Nofrivul, Nofrivul Nuri Aslami Okfi Resti Okfi Resti Patria Nagara Perwira, Adi Prawira, Adi Puteri Anggi, Lubis Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahmad Rahman, Muthia Rano Karno Ratmi Yeno Metra Reni, Febrina Reri Anton, Reri Anton Resti, Okfi Rida Rahim Ridzuan Masri Rizda Octaviani Rizda, Octaviani Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri Sabri sandra dewi Saputri, Deni Sari Fitri Sari, Rika Novita Sattar Sattar, Sattar Sofyan, Hady Suharyati Suharyati Suhatman Suhatman, Suhatman Suhatri Mariko Sunny, Milla Permata Susandra, Soni Susanti, Putu Herny Syukri Iska, Syukri Tria Ewilda Wahib Assyahri Y, Amril Yefri Joni Yenty Astari Dewi Yenty Astari Dewi Yulia Marta Yulia, Laila Yunimar YUNIMAR YUNIMAR Yunimar Yunimar Yunimar Yunimar Yunimar Yunimar Zakaria Aziz Zakaria Aziz

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