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All Journal JURNAL PENDIDIKAN TAMBUSAI International Journal of Social Science and Business ILTIZAM Journal of Sharia Economic Research Jurnal Benefita : Ekonomi Pembangunan, Manajemen Bisnis Dan Akuntansi HUMANISMA : Journal of Gender Studies At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Kridatama Sains dan Teknologi IMARA : Jurnal Riset Ekonomi Islam Al-Kharaj: Journal of Islamic Economic and Business JUSIE (Jurnal Sosial dan Ilmu Ekonomi) INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Jurnal Ekonomi Utama (Juria) HUMANISMA : Journal of Gender Studies Indonesian Research Journal on Education Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Jurnal Riset Manajemen dan Ekonomi Imara: Jurnal Riset Ekonomi Islam Socius: Social Sciences Research Journal COSMOS Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Brilliant International Journal of Management and Tourism INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) BORJUIS (JURNAL OF ECONOMY) INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) Jurnal Salome (Multidisipliner Keilmuan) NETIZEN (JOURNAL OF SOCIETY AND BUSSINESS) Humanitis (Jurnal Humaniora Sosial dan Bisnis) Jurnal Ekonomi dan Bisnis (Jebi)
ZUWARDI, ZUWARDI
UIN Sjech M. Djamil Djambek Bukittinggi
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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) Zuwardi Zuwardi; Hardiansyah Padli; Mohammad Aliman Shahmi
Imara: JURNAL RISET EKONOMI ISLAM Vol 3, No 2 (2019): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v3i2.1658

Abstract

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.
Potential for Sharia Tourism Development in West Sumatra Ariyun Anisah; Zuwardi Zuwardi; Yenty Dewi Astarie
Al-Kharaj: Journal of Islamic Economic and Business Vol 5, No 3 (2023)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v5i3.4201

Abstract

The study aims to analyze the effect of internal and external factor in SWOT analysis on Islamic tourism’s potencyand arrange an appropriate development strategy that must to do by Islamic tourist attraction’s manager Destination Sharia In Sumatra Barat.The amount of the sample in the research is 150 respondents by using covenience oroppurtunity samplingtechnique. With using logistic regression, this research discover that Nagelkerke R2in amount of0,820, so that SWOT variable on internal and external factor can give contribution in amount of 82%. Based on that result, we can conclude that internal and external factor in SWOT analysis can improve the potency of Islamic tourism’s in Sumatra Barat, so that in this research, researcher would arrange strategies based on SWOT analysis.
Peran Pemerintah Dalam Meningkatkan Kesejahteraan Kelompok Tani Di Kelurahan Ompang Tanah Sirah Kecamatan Payakumbuh Utara. Diky Wahyudi; Zuwardi Zuwardi
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 2 No. 2 (2024): APRIL: JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v2i2.1686

Abstract

this research is the inequality of power in the farmer group system which is intertwined with the community so that each farmer group's policies carry out activities in order to achieve an increase in the production of their respective farming businesses. The aim of this research is to increase welfare. The type of research used in this research is field research with a descriptive qualitative approach. Sources of data used in this study were primary data and secondary data with farmer group informants in the village of Ompang Tanah Sirah. Data collection techniques used in this study using interviews, observation, and documentation. Data analysis techniques in this study used data reduction techniques, data presentation and drawing conclusions. The results in this study explain that some of the things that are felt by farmers after the existence of farmer groups are the provision of assistance for rice harvesting machines, business capital assistance, fertilizer assistance, everything becomes easier after the existence of groups as a medium for providing assistance. The most important thing as an indicator of welfare is income, because several aspects of household welfare depend on the level of income. As for the role played by farmer groups in the Ompang Tanah Sirah sub-district, such as being a forum for aspirations or deliberations for groups, farmer groups play a role in increasing people's income by holding economic empowerment, farmer groups play a role as a place to maintain and develop knowledge and mutual cooperation in farming among their members ( production units), hold regular meetings as a medium of communication between members of the Farmer Group, hold various trainings for the community in order to reduce unemployment and increase income.
Peran dan Mekanisme Pasar Zuwardi, Zuwardi; Sari, Annita
Astina: Jurnal Ekonomi Utama Vol 2 No 2 (2023): Juria: Jurnal Ekonomi Utama
Publisher : CV. Astina Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55903/juria.v2i2.60

Abstract

Pasar adalah tempatnya berkumpul penjual dan pembeli. Pasar memiliki peran penting dalam menggerakkan roda perekonomian masyarakat di dunia ini, dengan pasar lah terbentuk sistem-sistem yang berkembang seperti inflasi dan deflasi yang berpotensi membentuk mekanisme pasar yang berjalan sesuai dengan peraturan yang ada. Pada zaman Rasulullah SAW, pasar berkembang sesuai dengan mekanisme ajaran Islam itu sendiri tanpa ada nya intervensi dari orang-orang yahudi dan berkepentingan khusus. Visi Rasulullah Saw, sebagaimana mekanisme pasar harus berjalan sesuai dengan syariat dan ketentuan Allah SWT, mendahului teori Adam Smith Invisible Hands.
Analisis Efektivitas Program Baznas Dalam Meningkatkan Kesejahteaan Sekonomi Masyaeakat Menurut Prespektif Ekonomi Islam (Studi Kasus: Baznas Kabupaten Sijunjung) Delima, Edza Reva; Z, Zuwardi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 9 (2024): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.13836716

Abstract

The research conducted by the author aims to analyze the effectiveness of the Baznas program in enhancing community welfare from an Islamic economic perspective. This qualitative study utilizes a descriptive approach with data collection through interviews and documentation. The main issue identified in this research is that many residents of Sijunjung Regency are still unaware of these programs, which are designed to assist economically disadvantaged communities and improve overall community welfare.
Analisis Kinerja Program Keluarga Harapan (PKH) Menurut Ekonomi Islam Y, Yuslimah; Z, Zuwardi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 4 (2024): November
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14214886

Abstract

The safety of citizens is the dream of every nation. At the global level, Indonesia is at a much lower level than neighboring countries. In the global earth condition, Indonesia cannot be said to be a failed state, nor a country that is burdened with debt that is extinguished, but it must be recognized and watched out for that Indonesia is actually close to that situation. The PKH program has been around since 2007 in Indonesia, this assistance is a conditional assistance program. What is interwoven in the community is a lack of mastery of the purpose of the PKH assistance, caused by little insight and lack of socialization from the PKH assistance caregivers to the community. The PKH program in Jorong VII Polongan 2 Nagari Atasng Mantinggi Utara, Rao District, Pasaman Regency has been running since 2015. Due to the large number of poor people and low levels of education. with the existence of the Dream Family Program (PKH) it is hoped that it can help poor families in Jorong VII Polongan 2 Nagari Atasng Mantinggi Utara, Rao District, Pasaman Regency and children can study with free education and health assistance or at least reduce school fees, and for pregnant women or those with babies and the elderly can get good facilities and services in the health sector. In this case, the research informants are the community who welcomed the PKH encouragement and PKH Adjutants in Jorong VII Polongan 2. The Information Collection Method used by researchers to accumulate information is the following are some of the information collection methods that researchers use in conducting this research, namely, Monitoring is an observation that is carried out directly in the square. And directly observing some of the initial methods of implementing PKH in Nagari Atasng Mantinngi. Questions and answers Questions and answers are conversations with special meanings.
The Interconnection of Islamic Ethics and Economic Practice: A Bibliometric Analysis Zuwardi, Zuwardi; Judijanto, Loso; Al-Amin, Al-Amin; MS, Syaifullah; Irnayenti, Irnayenti; Doni , Saputra
International Journal of Social Science and Business Vol. 9 No. 1 (2025): February
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v9i1.94637

Abstract

This study presents a comprehensive bibliometric analysis of research investigating the linkages between Islamic ethics and economic practices from 2015 to 2024, utilizing data from the Scopus database. The analysis examined 241 documents to identify publication patterns, influential authors, geographic distribution, and thematic evolution in the field. The results revealed a steady increase in the study results, with peak publications occurring in 2022-2023 (30 documents annually). Malaysia and Indonesia emerged as leading research contributors, collectively accounting for 35% of publications. Journal articles dominated the type of publication (73.9%), followed by book contributions (16.6%). Network analysis identifies different research groups centered around Islamic banking, sustainable finance, and ethical business practices. The study found that while traditional Islamic principles remain fundamental, research has evolved to address contemporary challenges such as digital transformation, sustainability, and post-pandemic economic recovery. Analysis of citations reveals that the practical application of Islamic ethics in the modern financial system has received significant attention, with authors such as Alserhan, B.A. (50 quotes) and Ali, A.J. (42 quotes) emerging as influential contributors. These findings demonstrate a growing academic interest in integrating Islamic ethical principles with contemporary economic practices while highlighting research gaps in areas such as financial technology and standard ethical frameworks. This analysis contributes to understanding the current state of Islamic economic ethics research and suggests directions for future investigations
Konsep Produksi Menurut Tan Malaka Ditinjau dari Perspektif Ekonomi Islam MA, Zuwardi; Padli, Hardiansyah
JUSIE (Jurnal Sosial dan Ilmu Ekonomi) Vol. 4 No. 02 (2019): JUSIE (Jurnal Sosial dan Ilmu Ekonomi)
Publisher : Jurusan PIPS FKIP UMMY Solok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36665/jusie.v4i02.212

Abstract

This research aims to depict Tan Malaka’s socialist economic thought related to the issues on the production of concept. This is qualitative research using library research method to gather the data on Tan Malaka’s thought on the concept of production. This study shows that the concept of the balance of production and consumption, the country's economic independence and the concept of labor costs in line with the concept of Islamic economics. While from the arrangement of land as a factor of production, Tan Malaka gradually wants to eliminate individual ownership of the means of production. This is not in line with Islamic economic concept where individual ownership of the means of production and production factors permitted as long as not contrary to Islamic law.
Analisis Pekembangan Pembangunan Jalan Usaha Tani (JUT) terhadap Pendapatan Sektor Pertanian di Nagari Tanjung Betung Kabupaten Pasaman Alina, Siti; Elmizan, Gina Havieza; Zuwardi, Zuwardi; Parsaulian , Baginda
Indonesian Research Journal on Education Vol. 5 No. 5 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i5.3322

Abstract

Pembangunan infrastruktur Jalan Usaha Tani (JUT) merupakan infrastruktur dalam pembangunan pertanian perihal, ketahanan pangan, pengembangan pertanian, peningkatan pendapatan, agribisnis, dan kesejahteraan petani. Diperuntukkan sebagai jalur utama transportasi pada kawasan pertanian yang berfungsi memperlancar mobilitas sekitar pertanian, mempermudah mengangkut input dan output produksi. Pelaksanaan pembangunan JUT di Nagari Tanjung Betung belum dilakukan secara merata, terdapat di beberapa titik yang terbengkalai dan tidak selesai pada waktunya, kemudian pembangunan JUT yang tidak merata menyebabkan ketimpangan pendapatan diantara petani. Tujuan peneletian untuk mengetahui bagaimana perkembangan pembangunan dan pendapatan petani sebelum dan sesudah pembangunan JUT. Jenis penelitian ini kualitatif deskriptif. Metode pengumpulan data melalui wawancara, observasi dan dokumentasi. Teknik analisis data menggunakan model Miles Huberman yang terdiri dari reduksi data, penyajian data, dan penarikan kesimpulan. Hasil dari penelitian ini menunjukkan perkembangan pembangunan JUT di Nagari Tanjung betung meningkatkan pendapatan sektor pertanian. Perkembangan Pembangunan JUT selama lima tahun terakhir di Nagari Tanjung Betung terjadi peningkatan, penurunan dan, stagnasi pembangunan. Setiap jorong di Nagari Tanjung Betung menunjukkan bahwa Pembangunan JUT terjadi efisiensi produksi sektor pertanian pada petani jorong Tanjung Betung 65,8%, petani Jorong Kauman Selatan 41,2%, dan petani Jorong Kauman 44,8%. Keberadaan pembangunan JUT meningkatkan rasio efisiensi biaya produksi sektor pertanian di Nagari Tanjung Betung. Dalam pelaksanaan pembangunan JUT belum sepenuhnya menggunakan prinsip-prinsip ekonomi islam, karena prinsip tauhid tidak terdapat dalam pelaksanaan pembangunan JUT prinsip yang sesuai berupa prinsip keadilan, khilafah dan, sukarela.
Strategi Pengembangan Potensi Objek Wisata Pondok Kebun Deyofa Alahan Panjang Kabupaten Solok Sarifa, Mum; Zuwardi, Zuwardi
Indonesian Research Journal on Education Vol. 5 No. 5 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i5.3383

Abstract

Penelitian ini dilatarbelakangi oleh  kurangnya pengembangan wisata Pondok Kebun Deyofa Alahan Panjang yaitu, akses jalan menuju lokasi wisata kurang memadai, fasilitas kurang memadai, pengembangan wisata belum didasarkan sepenuhnya pada prinsip-prinsip wisata syariah. Penelitian ini bertujuan untuk mengetahui strategi pengembangan potensi Wisata Pondok Kebun Deyofa Alahan Panjang. Penelitian ini menggunakan metode kualitatif deskriptif. Teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Teknik analisis data yang digunakan Analisis SWOT, Analisis IFE dan EFE, Matriks SWOT, serta tabel bobot skor dan pengembangan wisata berdasarkan prinsip-prinsip wisata syariah. Hasil penelitian menunjukkan bahwa strategi yang cocok diterapkan oleh pengelola yaitu Strategi S-O dengan total bobot skor sebesar 3,84. Strategi tersebut berupa: 1) Mengembangkan paket wisata agrowisata dan eduwisata 2) Menyelenggarakan event budaya dan festival lokal untuk menarik wisatawan 3) Memanfaatkan media sosial untuk memperkuat branding wisata 4) Menonjolkan keunikan alam dan edukasi pertanian untuk wisata berkelanjutan 5) Membangun kemitraan dengan tour & travel untuk memperluas pasar. Wisata Pondok Kebun Deyofa sebagian sudah sesuai dengan prinsip-prinsip wisata syariah seperti adanya kerja sama antara pengelola dan masyarakat untuk mewujudkan kemaslahatan, memberikan kenyamanan kepada pengunjung dengan menyediakan akomodasi dan fasilitas wisata, menawarkan paket wisata sebagai bentuk pelestarian kearifan lokal, serta destinasi wisata terhindar dari kemaksiatan dan narkoba. Namun ada beberapa yang belum sesuai prinsip syariah yaitu makanan dan minuman belum ada Sertifikat Halal MUI, belum tersedia fasilitas ibadah, kurangnya amanah dan pengawasan keamanan, kurangnya perhatian pengelola terhadap memelihara kebersihan, kelestarian alam, sanitasi maupun lingkungan.
Co-Authors Afri Yongki Ahin Nainggolan Al-Amin Al-Amin, Al-Amin Alena Tiosa Alfi Syahrin Alfin, Aidil Alifatin Nurfaizah Alina, Siti Andre Rukmana Sen Anisah, Ariyun Annisa Nurul Dienya Apriani, Yosi Azzahratul Hasanah, Musdeki Mulya, Riana Wiliza, Anita Triana, Sirtia Pelanda Onesti Benediktus Rolando Chintya Marsya Fitri Chintya Marsya Fitri Delima, Edza Reva Denata, Betria Derlan, Selfiah Desrianti, Wina Devita Lingga Pratiwi Devitri, Voni Diky Wahyudi Doni , Saputra Edza Reva Delima Edza Reva Delima Faisal Hidayat Faisal Hidayat Fathia Hidayat Fauziah Nur Fauziah Nur Finni Jum’atul Ummy Fitri, Wardatul Gina Havieza Elmizan Hardiansyah Padli Hardiansyah Padli Hendriko Kaputra Herdian Mainaki Hesi Eka Puteri Hovi Vatul Rahma Iiz Izmuddin Iiz Izmuddin Illahi, Ilham Indah Febriyani Indah Febriyani Indra Pradana Ira Wahyuni Putri Irnayenti, Irnayenti Irsyad, Wilda Judijanto, Loso Karen Elya Zikra Kelvin Ariansyah Kelvin Ariansyah M. Ilham Rayana Manfaluthi Manfaluthi Merifiani, Yolanda Miraldi, Tasya Mohammad Aliman Shahmi Muhammad Bilal Muhammad Ikram Suhardi Muhammad Ikram Suhardi Mukhlis Mukhlis Nadya Utami Nafisah Nursapni Napiha, Vero Holidin Nisa Andriyani Nursya’diah Nursya’diah Padli, Hardiansyah Parsaulian , Baginda Rahmadani, Zahra Rahmat Rahmat Rahmat Ranti Oktavia Rantika Nurul Azani Rika Susanti Rini Elvira Rohman, Ahmad Fadlu Ryan Cahyadi Safira, Fadilla Santi Deswita Sari, Annita Sari, Rani Marta Sarifa, Mum Shahmi, Mohammad Aliman Shelvi Nessya Adlin Sumbara, Oka Liswan Syahrul Gunawan Syahrul Gunawan Syaifullah MS Wiko Yandra Wiko Yandra Y, Yuslimah Yaumil Azizah Yefri Joni Yenty Dewi Astarie Yestin Aprilia Zul Wahid Novendra