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All Journal At Tasyri'i Jurnal Prodi Perbankan Syariah
Feri Oki Nofendra
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.
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).
Co-Authors Fajar Budiman Hulfa Raihani Nurhayati Nurhayati Wahyu Kurnia Yossi Eriawati