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<![CDATA[ORIENTASI BUDAYA DAN RELIGIUSITAS DALAM MANAJEMEN KREDIT SERTA DAMPAKNYA TERHADAP KINERJA SOSIAL BANK PERKREDITAN RAKYAT ]]>
<![CDATA[Puteri, Hesi Eka]]>;
<![CDATA[Zuwardi, Zuwardi]]>
<![CDATA[ Jurnal Benefita Vol 4, No 1 (2019): Jurnal Benefita : Ekonomi Pembangunan, Manajemen Bisnis & Akuntansi ]]>
Publisher : <![CDATA[LLDIKTI Wilayah X ]]>
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DOI: 10.22216/jbe.v1i1.3895
<![CDATA[This study investigates the implementation of culture and religiosity in credit management and then attempts to analyze the effect of culture and religiosity to the breadth of outreach in Rural Banks. This research is a quantitative study based on a survey at Rural Banks in West Sumatera Indonesia in 2018, with a sample of 52 Rural Bank. Data were collected by using questionaire and analyzed by PLS-regression.. The independent sample t-test also applied to compare the breadth of outreach or social performance in Conventional Rural Banks and Islamic rural banks. This study proves that the breadth of outreach is influenced by culture and religiosity and there is no difference of the breadth of outreach between Conventional Rural Bank and Islamic Rural Bank. These finding extends the predictor of the breadth of outreach in Rural Banks and offer a more established model of causal relationships between culture and religiosity to the breadth of outreach. This study also proves that there is no difference in the breadth of outreach between Conventional Rural Banks and Islamic Rural Banks, which means that there are no differences in the achievement of the social performance of these two types of micro financial institutions. Penelitian ini menganalis implementasi aspek budaya dan religiusitas dalam manajemen kredit untuk kemudian mengelaborasi lebih lanjut pengaruh faktor budaya dan religiusitas terhadap keluasan jangkauan Bank Perkreditan Rakyat (BPR). Penelitian ini merupakan penelitian kuantitatif berdasarkan survey pada BPR-BPR di Provinsi Sumatera Barat Indonesia pada tahun 2018, dengan sampel sebanyak 52 BPR. Data dikumpulkan dengan menggunakan kuesioner dan dianalisis dengan Regresi PLS untuk memprediksi dampak budaya dan religiusitas terhadap keluasan jangkauan. Uji-independent sample t -test juga diterapkan untuk membandingkan keluasan jangkauan BPR Konvensional dan BPR Syariah. Penelitian ini membuktikan bahwa keluasan jangkauan dipengaruhi oleh budaya dan religiusitas dan tidak ada perbedaan keluasan jangkauan antara BPR Konvensional dan BPR Syariah. Temuan ini memperluas prediktor keluasan jangkauan di Bank Perkreditan Rakyat dan menawarkan model hubungan sebab akibat yang lebih mapan antara budaya dan religiusitas terhadap keluasan jangkauan. Penelitian ini juga membuktikan bahwa tidak ada perbedaan keluasan jangkauan antara BPR Konvensional dan BPR Syariah, yang berarti tidak ada perbedaan dalam pencapaian kinerja sosial kedua jenis lembaga keuangan ini.]]>
<![CDATA[PEMIKIRAN EKONOMI SOSIALIS TAN MALAKA DALAM PERSPEKTIF EKONOMI ISLAM ]]>
<![CDATA[ZUWARDI, ZUWARDI]]>
<![CDATA[ Imara: JURNAL RISET EKONOMI ISLAM Vol 1, No 1 (2017): IMARA: JURNAL RISET EKONOMI ISLAM ]]>
Publisher : <![CDATA[IAIN Batusangkar ]]>
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DOI: 10.31958/imara.v1i1.987
<![CDATA[The purpose of this research is to ?ind out and explain the Socialist Economics, Tan Malaka, according to Islamic economics. This type of research was library research by using content analysis. The results showed that in the perspective of Islamic economics, the Socialist Economics, Tan Malaka has similarities in terms of objectives and goals. The form of the equation among others is the equality ofconcepts of justice, prosperity and welfare which are the goal of the economic system. This equation was also seen in the form of abolition of slavery and oppression.Beside the spirit of brotherhood, and mutual help or assistance proposed by Tan Malakawere also owned by Islamic economics. The role of the State in socialist economic policy Tan Malaka is also owned by Islamic economics. The prominent difference in Tan Malaka's socialist economy in terms of Islamic economics lies in the ways or instruments he uses such as zakat, infak, shadaqoh, waqf, banning ribs and so forth. In addition, differences are also seen in the philosophical foundations and rules that support the economic system.]]>
<![CDATA[ANALISIS PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFOMING FINANCING (NPF) TERHADAP PEMBIAYAAN (STUDI PADA BUS DAN UUS DI INDONESIA PERIODE 2014-2018) ]]>
<![CDATA[Zuwardi, Zuwardi]]>;
<![CDATA[Padli, Hardiansyah]]>;
<![CDATA[Shahmi, Mohammad Aliman]]>
<![CDATA[ Imara: JURNAL RISET EKONOMI ISLAM Vol 3, No 2 (2019): IMARA: JURNAL RISET EKONOMI ISLAM ]]>
Publisher : <![CDATA[IAIN Batusangkar ]]>
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DOI: 10.31958/imara.v3i2.1658
<![CDATA[This study aims to analyze the factors influencing financing on BUS and UUS in Indonesia. Exogenousvariables in this study are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-PerformingFinancing (NPF), while endogenous variables are financing. This study used secondary data consisted monthlydata of BUS and UUS in 2014-2018. This data is taken from SHARIA banking statistics released by the OJK. Theresearch results obtained that DPK and CAR significantly and positively affect long term financing. While NPFhas no significant effect on long term financing. DPK and NPF also have a positive and significant impact onshirt term financing. Another result was CAR has no significant effect on short term financing.]]>
<![CDATA[DETERMINAN PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA ]]>
<![CDATA[Zuwardi MA]]>;
<![CDATA[Hardiansyah Padli]]>
<![CDATA[ At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 5, No 2 (2019): DESEMBER 2019 ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/tijaroh.v5i2.1896
<![CDATA[AbstrakProfitabilitas adalah kemampuan bank untuk menghasilkan laba secara efektif dan efisien. Jadi, penelitian ini bertujuan untuk menganalisis pengaruh efisiensi modal kerja (BOPO), rasio kecukupan modal (CAR), likuiditas (FDR) dan Inflasi terhadap profitabiltas yang tercermin dari Return On Asset (ROA) pada Bank Umum Syariah di Indonesia. Penelitian ini menggunakan data sekunder yang terdiri dari data bulanan dari tahun 2016-2018. Adapun metode analisis yang digunakan dalam penelitian ini metode Error Correction Model (ECM). Berdasarkan penelitian diperoleh hasil bahwa dalam jangka pendek BOPO berpengaruh secara signifikan dan negatif terhadap ROA. Sedangkan inflasi berpengaruh secara signifikan dan positif terhadap ROA. Sementara CAR dan FDR tidak berpengaruh secara signifikan terhadap ROA. Dalam jangka panjang BOPO berpengaruh negatif dan signifikan terhadap ROA. Sedangkan FDR dan inflasi berpengaruh signifikan dan positif terhadap ROA. dalam jangka panjang. CAR tidak berpengaruh signifikan terhadap ROA.Kata Kunci: BOPO, Inflasi, Profitabilitas AbstractProfitability is the ability of banks to generate profits effectively and efficiently. This study aims to analyze the effect of BOPO, Capital Adequacy Ratio (CAR), liquidity (FDR) and inflation on profitability reflected in Return on Assets (ROA) at Islamic Banks in Indonesia. This study used secondary data consisting of monthly data from 2016-2018. Data analysis used the Error Correction Model (ECM). Based on the research results obtained that BOPO has a significant and negative influence on ROA in the short term. While inflation has a significant and positive influence on ROA. In other hand, CAR and FDR do not significantly influence on ROA. In the long run, BOPO has a negative and significant effect on ROA. While FDR and inflation have a significant and positive effect on ROA. CAR has no significant influence on ROA.]]>
<![CDATA[Peran Perempuan dalam Mewujudkan Keluarga Sejahtera Menurut Perspektif Ekonomi Islam (Studi Kasus Perempuan Pedagang Kaki Lima di Simpang Tugu Tigo Baleh, Kelurahan Pakan Labuah, Kota Bukittinggi) ]]>
<![CDATA[Zuwardi Zuwardi]]>
<![CDATA[ HUMANISMA : Journal of Gender Studies Vol 4, No 1 (2020): Januari -Juni 2020 ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Bukittinggi ]]>
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DOI: 10.30983/humanisme.v4i1.3173
<![CDATA[Along with the development of the times of course the needs of society increase from year to year. Unlimited human needs, with limited availability of resources. Making women also play a role in meeting the needs of families in an effort to realize a prosperous family. This research was conducted to provide an overview of the role of women in realizing a prosperous family from the perspective of Islamic economics. Research conducted at the Tigo Tigo Baleh Intersection, Pakan Labuah Village, Bukittinggi City uses a qualitative descriptive approach with data obtained from primary and secondary data. The results of this study conclude that in Islamic sharia, to make a living is the duty of the husband. The wife's only obligation is as a housewife who educates children and serves her husband. But it is not forbidden when the wife helps find a living for the family. According to an interviewee at the interview, stated that they women do their activities as traders is to help their husbands in meeting family needs, as well as channeling the hobby of trade that has been buried because only become housewives. This research also provides understanding to women in order to know their rights and obligations in the household, the urgency of how Muslim women who should carry out their daily activities become housewives as well as traders in accordance with the recommendations in their Islamic Syariah.]]>
<![CDATA[Sejarah Perkembangan Akuntansi Syariah; Tinjauan Literatur Islam ]]>
<![CDATA[Zuwardi MA]]>;
<![CDATA[Hardiansyah Padli]]>
<![CDATA[ ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research ]]>
Publisher : <![CDATA[Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI ]]>
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DOI: 10.30631/iltizam.v4i2.507
<![CDATA[This study aims to examine the development of Islamic accounting since the issuance of the letter al baqoroh 282 to the present practice of Islamic financial institutions. A qualitative approach with content analysis in Islamic literature is carried out to describe the historical portrait of Islamic accounting. the result is the development of accounting in the Islamic era along with the trade culture of the Arab nation, which is increasingly developing with the concept of accountability in Islam and increasingly has many variants according to the times. This research also proves that the current sharia accounting practices do not copy western accounting but have a scientific historical basis in practice in the golden age of Islam.]]>
<![CDATA[Peran Perempuan dalam Mewujudkan Keluarga Sejahtera Menurut Perspektif Ekonomi Islam (Studi Kasus Perempuan Pedagang Kaki Lima di Simpang Tugu Tigo Baleh, Kelurahan Pakan Labuah, Kota Bukittinggi) ]]>
<![CDATA[Zuwardi Zuwardi]]>
<![CDATA[ HUMANISMA : Journal of Gender Studies Vol 4, No 1 (2020): June 2020 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi ]]>
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DOI: 10.30983/humanisme.v4i1.3173
<![CDATA[Along with the development of the times of course the needs of society increase from year to year. Unlimited human needs, with limited availability of resources. Making women also play a role in meeting the needs of families in an effort to realize a prosperous family. This research was conducted to provide an overview of the role of women in realizing a prosperous family from the perspective of Islamic economics. Research conducted at the Tigo Tigo Baleh Intersection, Pakan Labuah Village, Bukittinggi City uses a qualitative descriptive approach with data obtained from primary and secondary data. The results of this study conclude that in Islamic sharia, to make a living is the duty of the husband. The wife's only obligation is as a housewife who educates children and serves her husband. But it is not forbidden when the wife helps find a living for the family. According to an interviewee at the interview, stated that they women do their activities as traders is to help their husbands in meeting family needs, as well as channeling the hobby of trade that has been buried because only become housewives. This research also provides understanding to women in order to know their rights and obligations in the household, the urgency of how Muslim women who should carry out their daily activities become housewives as well as traders in accordance with the recommendations in their Islamic Syariah.]]>
<![CDATA[Analisis Konsep Harga Dalam Ekonomi Mikro Islam ]]>
<![CDATA[Zuwardi Zuwardi]]>;
<![CDATA[Afri Yongki]]>;
<![CDATA[Annisa Nurul Dienya]]>;
<![CDATA[Andre Rukmana Sen]]>;
<![CDATA[Ryan Cahyadi]]>
<![CDATA[ Innovative: Journal Of Social Science Research Vol. 3 No. 2 (2023): Innovative: Journal Of Social Science Research (Special Issue) ]]>
Publisher : <![CDATA[Universitas Pahlawan Tuanku Tambusai ]]>
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DOI: 10.31004/innovative.v3i2.1753
<![CDATA[Penetapan harga adalah fenomena yang memerlukan penyelidikan mendalam. Harga selalu berfluktuasi berdasarkan faktor yang mempengaruhinya saat ini. Harga dapat naik atau turun secara signifikan sebagai akibat dari perubahan penawaran dan permintaan. Dalam ekonomi Islam, harga ditentukan oleh keadaan pasar yang didasarkan pada penawaran dan permintaan. Menurut Ibnu Taimiyah, jika harga dibiarkan berfluktuasi secara spontan sesuai dengan kondisi pasar, pada akhirnya akan muncul harga yang wajar, dan pemerintah tidak berhak mencampuri keputusan tersebut.]]>
<![CDATA[Analisis Teori Permintaan, Penawaran, Dan Harga Menurut Pandangan Ibnu Khaldun ]]>
<![CDATA[Zuwardi Zuwardi]]>;
<![CDATA[Alfi Syahrin]]>;
<![CDATA[M. Ilham Rayana]]>;
<![CDATA[Herdian Mainaki]]>;
<![CDATA[Muhammad Bilal]]>
<![CDATA[ Innovative: Journal Of Social Science Research Vol. 3 No. 2 (2023): Innovative: Journal Of Social Science Research (Special Issue) ]]>
Publisher : <![CDATA[Universitas Pahlawan Tuanku Tambusai ]]>
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DOI: 10.31004/innovative.v3i2.1754
<![CDATA[Ibnu Khaldun berperan sebagai salah seorang ekonom terkemuka dalam sejarah pemikiran Islam serta hidup pada periode kedua sejarah pemikiran Islam. Kamus Muqaddimahnya menjelaskan banyak teori ekonomi yang banyak diturunkan dalam ilmu ekonomi modern, antara lain teori kuantitas dan permintaan. Dia setuju bahwa kuantitas dan permintaan saling mutlak, yang dapat membentuk biaya. Dalam hal ini, teori Ibnu Khaldun memperoleh banyak perbandingan di kalangan ilmu ekonomi modern. Ini mungkin terjadi meskipun asumsi Ibnu Khaldun lebih menonjolkan jenis indikasi pengalaman daripada data proposisional, banyak pemikir Barat telah mengadopsi kecerdasannya.]]>
<![CDATA[PEMIKIRAN EKONOMI SOSIALIS TAN MALAKA DALAM PERSPEKTIF EKONOMI ISLAM ]]>
<![CDATA[Zuwardi Zuwardi]]>
<![CDATA[ Imara: JURNAL RISET EKONOMI ISLAM Vol 1, No 1 (2017): IMARA: JURNAL RISET EKONOMI ISLAM ]]>
Publisher : <![CDATA[IAIN Batusangkar ]]>
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DOI: 10.31958/imara.v1i1.987
<![CDATA[The purpose of this research is to ????ind out and explain the Socialist Economics, Tan Malaka, according to Islamic economics. This type of research was library research by using content analysis. The results showed that in the perspective of Islamic economics, the Socialist Economics, Tan Malaka has similarities in terms of objectives and goals. The form of the equation among others is the equality ofconcepts of justice, prosperity and welfare which are the goal of the economic system. This equation was also seen in the form of abolition of slavery and oppression.Beside the spirit of brotherhood, and mutual help or assistance proposed by Tan Malakawere also owned by Islamic economics. The role of the State in socialist economic policy Tan Malaka is also owned by Islamic economics. The prominent difference in Tan Malaka's socialist economy in terms of Islamic economics lies in the ways or instruments he uses such as zakat, infak, shadaqoh, waqf, banning ribs and so forth. In addition, differences are also seen in the philosophical foundations and rules that support the economic system.]]>
