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

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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 KREDIT MACET TERHADAP STABILITIAS PEMBIAYAAN MURABAHAH DI BANK BPRS MENTARI PASAMAN SAIYO UJUNG GADING Khairini Khairini; Fawza Rahmat; Farida Aini; Hulfa Raihani
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.v6i2.323

Abstract

Penelitian ini menjelaskan masalah apakah ada pengaruh kredit macet terhadap pembiayaan murabahah di bank BPRS Mentari Pasaman Saiyo yang dapat diukur dari jumlah kredit macet. Penelitian ini bertujuan untuk menguji secara parsial dan bagaimana kredit macet berpengaruh terhadap pembiayaan murabahah serta seberapa besar pengaruh kredit macet terhadap pembiayaan murabahah di bank BPRS Mentari Pasaman Saiyo. Setelah penelitian ini dilakukan, diharapkan akan memberikan manfaat bagi beberapa pihak diantaranya adalah memberikan masukan terhadap praktisi perbankan syari’ah, terutama kepala bagian pembiayaan dalam menentukan kebijakan dalam kredit yang paling tegas supaya kredit tidak bermasalah ataupun lancar di bank BPRS Mentari Pasaman Saiyo Ujung Gading. Dalam penelitian ini, metodologi penelitian yang digunakan adalah metode asosiatif casual dengan jenis penelitian kuantitatif. Populasi dalam penelitian ini sebanyak 38 nasabah. Teknik pengambilan sampel menggunakan sampel random sampling, teknik pengambilan data dengan wawancara, kusioner dan dokumentasi serta teknik analisis data yang digunakan dalam skripsi ini adalah uji validitas, uji reabilitas, uji normalitas, uji F dan uji T. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh yang positif antara variabel kredit macet dengan variabel pembiayaan murabahah, dilihat dari hasil uji simultan atau uji F yang menunjukkan pengaruh kredit macet terhadap pembiayaan murabahah adalah sebesar 29,8% di Bank BPRS Mentari Pasaman Saiyo Ujung Gading.
Co-Authors Fajar Budiman Farida Aini Fawza Rahmat Feri Oki Nofendra Khairini Khairini Wahyu Kurnia Yossi Eriawati