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All Journal At Tasyri'i Jurnal Prodi Perbankan Syariah
Yossi Eriawati
STAI YAPTIP Simpang Empat Pasaman Barat
Economics, Econometrics & Finance

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ANALISIS KELAYAKAN NASABAH DALAM PEMINJAMAN DI BPR OPHIR UJUNG GADING PASAMAN BARAT Nurhayati Nurhayati; Yossi Eriawati; Feri Oki Nofendra
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v6i2.316

Abstract

This study departs from the problems that occur in banking in terms of lending caused by several factors including, bank management in conducting inaccurate loan analysis, weak loan financing supervision, inaccurate financial analysis and weak competence of human resources. The purpose of this study is to determine how the feasibility analysis of customers in lending at BPR Ophir Ujung Gading West Pasaman. This study uses a qualitative approach. The type of research used in this research is field research or field studies. The data obtained from this study are primary data and secondary data obtained from the BPR Ophir Ujung Gading Pasaman Barat. And technical data analysis using field research or observation (field research), interviews and Documentation Studies.
ANALYSIS OF FACTORS AFFECTING THE INCOME OF TRADERS AT UJUNG GADING MARKET: ANALYSIS OF FACTORS AFFECTING THE INCOME OF TRADERS AT UJUNG GADING MARKET Fajri al fajri; Yossi Eriawati; Novi Susanti
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v6i2.318

Abstract

The researcher started this study after noticing that, as of late, the coronavirus outbreak and internet retailers (Ol-Shop), the income of vendors at Ujung Gading Market has been erratic. Because of this volatility, fewer buyers and more competition have resulted in lower sales for many dealers. Therefore, the researcher's goal is to find out if the capital, length of business operation, and trader education level variables have an impact on traders' income at Ujung Gading Market. With primary data gathered via surveys, this study used a quantitative methodology. 603 traders make up the study's population, and 216 respondents were chosen at random for the sample using the simple random sampling method. Multiple linear regression analysis approaches were used in SPSS version 25 to process the acquired data. The study's findings suggest that traders' income is influenced by the capital variable to some extent. The t-significance value of 0.000 < 5% in the SPSS report supports this. A t-significance value of 0.001 < 5% suggests that the Length of business operation variable also has a partial impact on traders' income. An SPSS output with a t-significance value of 0.003 < 5% indicates that the education variable also has a partial impact on traders' income. The findings also indicate that the revenue of traders at Ujung Gading Market is influenced simultaneously by capital, length of business operation, and education.The fact that the F-count value of 34.481 > the F-table value of 2.647 and the F-significance value of 0.000 < 5% support this. As a result, H0 is disproved and hypothesis Ha is approved. This clarifies why capital (X1), length of business operation (X2), and education (X3) all affect income concurrently and to a strength of 32.8%. Keywords : the income; traders; capital; Length of business operation; education
PENGARUH AKSES MODAL DARI LEMBAGA KEUANGAN DAN PRODUKTIVITAS LAHAN TERHADAP PENDAPATAN PETANI KELAPA SAWIT NAGARI OPHIR KECAMATAN LUHAK NAN DUO KABUPATEN PASAMAN BARAT Wahyu Kurnia; Fajar Budiman; Yossi Eriawati; Hulfa Raihani; Feri Oki Nofendra
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v6i2.322

Abstract

This research uses a descriptive quantitative approach. The population in this study were oil palm farmers in Nagari Ophir. The number of salt farmers in Nagari Ophir is 120 palm oil farmers. Sampling was carried out using a random sampling method with a total of 92 oil palm farmers as respondents. The data results were processed using SPSS 16 tools to carry out research instrument tests, validity tests, reliability tests, classical assumption tests, multiple linear regression analysis tests, determination tests (R2), t tests and f tests. The conclusion of this research is that based on the results of the hypothesis test carried out, it can be concluded that the variable access to capital has a positive and significant effect on the income of the people of Nagari Ophir, which is shown in the hypothesis t test with t-count (3,370) > t table (1,986) and sign value (0.01 < 0.05). Based on the results of the hypothesis test carried out, it can be concluded that the productivity variable has a significant positive effect on the income of the people of Nagari Ophir, which is shown in the hypothesis t test with a calculated t-value (3,484) > t-table (1,986) and a sign value (0.01 < 0.05). Based on the results of the hypothesis test carried out, it can be concluded that the variables Access to capital and productivity simultaneously (together) influence the income of the people of Nagari Ophir which can be seen from the results of the F test with the value of F-count (14.140) > F-table (2.71) and sign value (0.000 < 0.05).
Pengaruh Pendidikan terhadap Pendapatan Masyarakat di Kampung Tiga Jorong Suka Maju Nagari Mahakarya Fitriani; Yossi Eriawati; Novi Susanti
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 7 No. 1 (2024): Jurnal At Tasyri'i Januari-Juni 2024
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pendidikan terhadap pendapatan masyarakat di Kampung Tiga Jorong Suka Maju Nagari Mahakarya. Pendidikan merupakan salah satu faktor penting dalam meningkatkan kualitas sumber daya manusia dan kesejahteraan masyarakat. Tingkat pendidikan yang dimiliki seseorang dapat memengaruhi kemampuan kerja, keterampilan, serta peluang memperoleh pekerjaan yang lebih baik sehingga berdampak pada tingkat pendapatan masyarakat. Namun, pada masyarakat pedesaan masih ditemukan rendahnya tingkat pendidikan yang diduga memengaruhi kondisi ekonomi dan kesejahteraan masyarakat. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian lapangan (field research). Teknik pengumpulan data dilakukan melalui observasi, wawancara, dokumentasi, dan penyebaran angket kepada masyarakat Kampung Tiga Jorong Suka Maju Nagari Mahakarya. Data yang diperoleh dianalisis menggunakan analisis deskriptif kuantitatif untuk mengetahui hubungan antara tingkat pendidikan dan pendapatan masyarakat. Selain itu, hasil wawancara dan observasi digunakan untuk memperkuat hasil penelitian yang diperoleh di lapangan. Hasil penelitian menunjukkan bahwa pendidikan memiliki pengaruh terhadap tingkat pendapatan masyarakat. Masyarakat yang memiliki tingkat pendidikan lebih tinggi cenderung memperoleh pekerjaan yang lebih baik dan memiliki pendapatan yang lebih stabil dibandingkan masyarakat dengan tingkat pendidikan rendah. Sebagian besar masyarakat dengan pendidikan rendah bekerja pada sektor pertanian dan pekerjaan informal dengan pendapatan yang tidak menentu. Selain itu, hasil penelitian juga menunjukkan bahwa pendidikan berpengaruh terhadap pola pikir, kemampuan mengelola usaha, dan kemampuan masyarakat dalam memanfaatkan peluang ekonomi. Rendahnya kondisi ekonomi keluarga menjadi salah satu faktor yang menyebabkan sebagian masyarakat tidak melanjutkan pendidikan ke jenjang yang lebih tinggi. Kesimpulan penelitian menunjukkan bahwa semakin tinggi tingkat pendidikan masyarakat, maka semakin besar peluang memperoleh pendapatan yang lebih baik dan meningkatkan kesejahteraan hidup. Oleh karena itu, diperlukan peningkatan kesadaran masyarakat terhadap pentingnya pendidikan serta dukungan pemerintah dalam meningkatkan akses pendidikan bagi masyarakat pedesaan guna meningkatkan kualitas sumber daya manusia dan kesejahteraan ekonomi masyarakat.
Co-Authors Fajar Budiman Fajri al fajri Feri Oki Nofendra Fitriani Hulfa Raihani Novi Susanti Nurhayati Nurhayati Wahyu Kurnia