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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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Pembelajaran Hybrid pada Pencapaian Kompetensi Pengetahuan Siswa Sekolah Dasar dalam Kurikulum Merdeka Al-Amin, Al-Amin; Rohman, Ahmad Fadlu; Rahmat, Rahmat; Zuwardi, Zuwardi; Izmuddin, Iiz
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 6 (2024): Oktober
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

This study discusses the effect of hybrid learning on the achievement of knowledge competencies of elementary school students within the framework of the Merdeka Curriculum. Hybrid learning, which combines online and face-to-face methods, is an alternative education needed in this digital era. This literature study reviews various literatures to identify the advantages, challenges and effectiveness of this learning model. Research reveals that hybrid learning can increase student engagement, provide flexibility in accessing materials, and encourage independent learning. However, effective implementation requires adequate technological support and teacher readiness in designing and managing learning. This finding is relevant in the context of Merdeka Curriculum, which emphasizes freedom in teaching methods to achieve optimal learning outcomes. This study recommends developing teacher competence in educational technology, as well as providing infrastructure that supports hybrid learning. Thus, it is expected that hybrid learning can improve students' understanding and skills in accordance with the demands of the modern curriculum. This research is important as a foundation for adaptive and innovative education policies in the future.
Peran Program Keluarga Harapan (Pkh) Dalam Mengurangi Dan Memutus Rantai Kemiskinan Menurut Perspektif Ekonomi Islam Susanti, Rika; Zuwardi, Zuwardi
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Tujuan penelitian ini yaitu Untuk mengetahui bagaimana Peran yang dilakukan oleh Program Keluarga Harapan (PKH) Dalam Mengurangi Dan Memutus Rantai Kemiskinan Menurut Perspketif Ekonomi Islam di Jorong III Nagari Langung Kecamaan Rao Utara Kabupten Pasaman. Jenis penelitianya penelitian lapangan dan penulis menggunakan metode penelitian kualitatif. Teknik pengumpulan datanya wawancara, observasi dan dokumentasi. Teknik analisis data yang digunakan adalah analisis deskriptif kualitatif. Tahapannya Reduksi Data, Penyajian Data, dan Penarikan Kesimpulan. Dari penelitian yang dilakukan di lapangan dapat disimpulkan bahwa peran PKH dalam mengurangi dan memutus rantai kemiskinan di Jorong III Muara Sitabu sudah menunjukkan secara berangsur-angsur dapat mengurangi kemiskinan yang ada di Jorong III Muara Sitabu yaitu dibuktikan dengan KPM yang sudah mandiri dari segi ekonomi juga dari segi pendidikan sudah meningkat. Tetapi dalam prinsip Ekonomi Islam ada yang sudah sesuai ada juga yang belum sesuai, yang sesuai yaitu aspek keimanan dan aspek kenabian dibuktikan dengan sikap pegawai pemerintah dan pendamping PKH dalam mendistribusikan bantuan sebagian telah sesuai dengan aspek kenabian, dan yang belum sesuai yaitu aspek keadilan, aspek kejujuran dan aspek kejelasan,dibuktikan pada tidak meratanya distribusi pendapatan, adanya pungutan biaya kepada anggota PKH, dan dari segi anggota nya dalam menggunakan bantuan yang diberikan tidak sesuai dengan kegunanaannya juga PKH di Jorong III Muara Sitabu dapat dikatakan belum efektif. Hal ini di dasarkan pada tidak tepat sasarannya karena keadaan sebagian peserta PKH tergolong mampu secara ekonomi atau orang kaya, tidak tepat jumlah karena komponen yang di miliki dua nak tetapi yang keluar satu anak juga tidak tepat penggunaan karena yang mandapatkan bantuan orang mampu jadi mereka menggunakan bantuan untuk memenuhi keinginan mereka bukan kebutuhan.
Dampak Program Tabungan Utsman Untuk Membantu Permodalan Pedagang Di Kota Bukittinggi (Studi Kasus : Pt.Bprs Jam Gadang Bukittinggi) Irsyad, Wilda; Zuwardi, Zuwardi
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Tujuan penelitian ini adalah untuk mengetahui bagaimana dampak dari Program Tabungan Utsman untuk membantu modal pedagang yang ada di kota Bukittinggi. Dengan metode penelitian yang penulis gunakan yaitu metode kualitatif yang bersifat deskriptif, kemudian teknik pengumpulan Data yang dilakukan melalui wawancara, observasi dan dokumentasi.Berdasarkan hasil penelitian yang telah penulis lakukan bahwa Dampak positf dari program Tabungan Utsman ini antara lain yaitu, pedagang yang ada di kota Bukittinggi yang kekurangan modal usaha sangat terbantu dengan adanya Program Tabungan Utsman tersebut dan Tabungan Utsman ini tidak menggunakan agunan sehingga tidak memberatkan nasabah khususnya Pedagang yang ada di kota Bukittinggi yang membutuhkan pinjaman untuk modal usaha, mereka dapat menggunakan produk pembiayaan utsman tersebut.sedangkan Dampak negatif dari Program tabungan utsman ini yaitu, dapat di lihat dari pembiayaan nasabah yang bermasalah mengakibatkan kualitas bi checking nasabah akan ditolak di bank manapun. Dan selanjutnya pembiayaan program tabungan utsman ini yang tidak memakai jaminan sangat fatal akibatnya bagi bank, hal ini dikarenakan hanya tergantung kepada system kepercayaan saja, jika nanti ada nasabah yang tidak membayar/ macet pembiayaannya akan berimbas kepada kredibilitas bank.
Analisis Produktivitas Petani Gambir Dalam Memenuhi Kebutuhan Ekonomi Menurut Perspektif Ekonomi Islam Rahmadani, Zahra; Zuwardi, Zuwardi
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Penelitian ini dilatarbelakangi oleh observasi awal peneliti pada lokasi penelitian di Nagari Muaro Paiti Kecamatan Kapur IX bahwasan nya banyak petani gambir yang memproduksi gambir dengan cara curang. Banyak petani gambir yang menginginkan laba tinggi dengan modal yang sedikit, sehingga dapat merugikan konsumen gambir. Penelitian ini merupakan penelitian deskriptif dengan pendekatan kualitatif, dengan sumber data yaitu primer dan sekunder. Sampel pada penelitian ini sebanyak 24 petani gambir dan populasi pada penelitian ini yaitupetani gambir terhitung sejak 2018-2022. Teknik pengumpulan data dengan cara observasi dan wawancara. Dari penelitian yang saya lakukan beberapa petani gambir benar melakukan kecurangan. Banyak nya petani gambir yang mencampur olahan gambirnya dengan bahan yang berbahaya( mencampur olahan gambir dengan tanah) dengan tujuan agar timbangan gambir yang mereka produksi meningkat. Pengelolaan gambir para petani di Muaro Paiti juga tergolong kurang efesien, masih menggunakan peralatan tradisional dan memakan waktu yang lama. Para petani kurang pada cara pengelolaan gambir, padahal agar menghasilkan gambir yang berkualitas perlu memperhatikan efesiensi pengelolaan gambir itu sendiri. Produksi olahan gambir yang dilakukan oleh petani gambir di Nagari Muaro Paiti Kecamtan Kapur IX juga tidak sesuai dengan produksi menurut ekonomi islam, konsep produksi dalam ekonomi islam mengatur moralitas dan prilaku seorang produsen dalam mengelola produk. Tetapi pada petani gambir di Muaro Paiti tidak sesuai dengan moral dan prilaku pada produksi dalam ekonomi Islam, yang mana tidak memperhatikan halal haram serta hanya memetingkan diri sendiri. karena pada hasil penelitian terdapat adanya kecurangan dalam pengelolaan gambir, yang mana untuk menambah laba dengan modal yang sedikit petani gambir di Muaro Paiti mencampur olahan gambir dengan tanah. Tetapi pada tahun terakhir para petani di Muaro Paiti tidak lagi melakkan kecurangan pada pengelolaan gambir, yaitu tidak mencampur olahan gambir dengan tanah karena menurunnya pembelian gambir. Konsumen lebih memilih gambir yang tidak dicampur dengan tanah meskipun dengan harga yang lebih tinggi. Karena peminat lebih banyak dengan olahan gambir yang tidak dicurangi petani gambir tidak lagi melakukan kecurangan dalam pengelolaan dan lebih memperhatikan efektifitas dalam pengelolaan gambir.
Analisis Sistem Kemitraan Peternakan Ayam Broiler di Nagari Sungai Duo Kabupaten Dharmasraya Menurut Etika Bisnis Islam Sumbara, Oka Liswan; Zuwardi, Zuwardi
Jurnal Kridatama Sains dan Teknologi Vol 5 No 02 (2023): JURNAL KRIDATAMA SAINS DAN TEKNOLOGI
Publisher : Universitas Ma'arif Nahdlatul Ulama Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53863/kst.v5i02.946

Abstract

This research is motivated by the existence of power inequality in the partnership system that exists between breeders and partner companies, unilateral policy making and a negative impact on breeders. The purpose of this study was to determine the analysis of the broiler farming partnership system in Nagari Sungai Duo according to Islamic business ethics. The type of research used is field research with a descriptive qualitative approach. Sources of data used in this study are primary data and secondary data with research informants livestock owners. Data collection techniques using interviews, observation and documentation. Data analysis techniques used include data reduction, data presentation and drawing conclusions. The results of this study indicate a partnership system between breeders and partner companies using a plasma nucleus pattern. The company acts as the core which has the role of providing production facilities, conducting coaching, controlling, scheduling, control and pricing agreements and marketing. While breeders as plasma provide stables complete with equipment and operational support equipment and focus on maintaining production facilities. The profit sharing system is determined by agreeing on a contract price at the beginning of the period, including sapronak and live chicken prices. The total sales/harvest of chickens based on the agreed contract price minus the total purchases of sapronak from the company, the result is the farmer's income. In a review of Islamic business ethics based on 5 principles including Unity, Equilibrium, Free wil, Responsibility and Benevolance, the partnership system that exists between breeders and partner companies is not fully in accordance with Islamic business ethics. The partnership system is not in accordance with the principles of Unity, Equilibrium, free will and benevolence.Keywords: Breeder, Islamic Business Ethics, Partnership System
Peran Sekolah Lapangan Organik (Slapo) dalam Mengurangi Kemiskinan Menurut Perspektif Ekonomi Islam di Nagari Sumpur Kudus Kabupaten Sijunjung Sari, Rani Marta; Zuwardi, Zuwardi
Jurnal Kridatama Sains dan Teknologi Vol 5 No 02 (2023): JURNAL KRIDATAMA SAINS DAN TEKNOLOGI
Publisher : Universitas Ma'arif Nahdlatul Ulama Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53863/kst.v5i02.947

Abstract

The agricultural sector is one of the sectors that plays an important role in the economic growth of a country, while programs held by the government for farmers can be channeled through gapoktan platforms and farmer groups. Therefore, the formation of farmer groups often becomes a formal organization. By creating this farmer group, problems that arise can be resolved jointly by farmers starting from the technical aspects of carrying out production, meeting production facilities, and marketing their products.This study aims to find out how the role of Organic Field Schools (SLAPO) in Reducing Poverty According to the Perspective of Islamic Economics. This study used a qualitative research method with research informants Wali Nagari Sumpur Kudus and 10 members of the organic field school in Nagari Sumpur Kudus. The data collection techniques used were observation, interviews and documentation. The results of this study indicate that the role of organic field schools in Nagari Sumpur Kudus has been able to increase the income of the community, especially members of farmer groups, although there are still not many who can reduce poverty rates, they have been able to increase farmer productivity, namely by using organic fertilizers with ingredients that are easy to find in around the environment. So farmers no longer spend a lot of money in cultivating farmers' fields. With the existence of an organic field school in Nagari Sumpur Kudus with the aim of increasing knowledge, skills and being able to overcome the obstacles faced by farmers. Keyword: Islamic economics, Poverty, Organic Field School
Kontribusi Destinasi Wisata dalam Mengoptimalkan Retribusi Dinas Pariwisata Kota Bukittinggi Nursya’diah Nursya’diah; Rini Elvira; Iiz Izmuddin; Zuwardi Zuwardi
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 5 No. 1 (2026): Januari: Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v5i1.5640

Abstract

The background of this research is the tendency for retribution realization from tourist destinations in Bukittinggi City to be consistently below its target. The study aims to measure the contribution of tourist destinations in optimizing the retribution of the Bukittinggi City Tourism Office. The research uses a descriptive quantitative method, collecting secondary data from the Bukittinggi City Tourism Office (2015-2024) and primary data (interviews and observations). The research objects include the Kinantan Wildlife and Cultural Park (TMSBK) and the Japanese Cave Panorama Park (TPLJ). The results show that the contribution of tourist destinations to retribution is quite significant, with the highest percentage reaching 49.39% in 2024 and an average of 50.51% in the "very good" category. However, this contribution still shows yearly fluctuations and is not yet optimal. The internal management of retribution faces major challenges, including illegal parking and the use of conventional payment systems. This research concludes that the optimization of retribution not only depends on internal performance but also requires a management system that upholds justice, transparency, and public benefit.The implication of this research is the importance of evaluating data to identify strengths and weaknesses in the retribution management system, in order to support the annual achievement of optimal retribution.
Analisis Pelaksanaan Tugas oleh Satuan Kerja Audit Internal Dalam Mitigasi Risiko Perbankan : (Studi Kasus: PT. BPRS Guguk Mas Makmur Kab. 50 Kota) Fitri, Wardatul; Zuwardi, Zuwardi
Indonesian Research Journal on Education Vol. 6 No. 1 (2026): Irje 2026
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v6i1.3913

Abstract

Penelitian ini bertujuan untuk menganalisis pelaksanaan tugas Satuan Kerja Audit Internal (SKAI) dalam upaya mitigasi risiko perbankan di PT. BPRS Guguk Mas Makmur Kabupaten Lima Puluh Kota. Fokus utama penelitian terletak pada bagaimana SKAI menjalankan perannya dalam mengidentifikasi, mengawasi, dan menindaklanjuti delapan jenis risiko utama perbankan, yaitu risiko kredit/pembiayaan, risiko pasar, risiko likuiditas, risiko operasional, risiko hukum, risiko reputasi, risiko strategik, dan risiko kepatuhan.  Penelitian ini merupakan penelitian lapangan (field research) dengan metode kualitatif yang menghubungkan teori dengan fakta menggunakan sumber data primer dan data sekunder. Teknik pengumpulan data menggunakan studi dokumen, observasi, dan wawancara mendalam bersama pihak audit internal pada PT. BPRS Guguk Mas Makmur Kab. 50 Kota Hasil penelitian menunjukkan bahwa SKAI telah melaksanakan prosedur pengawasan dan audit secara berkala, melalui pemeriksaan dokumen, audit lapangan, serta pelaporan formal terhadap kondisi risiko di berbagai unit. Dua jenis risiko yang paling menonjol dalam temuan adalah risiko pembiayaan dan risiko operasional, di mana masih ditemukan ketidaksesuaian terhadap SOP, lemahnya kontrol internal, serta tindak lanjut rekomendasi yang belum optimal. Sementara itu, enam jenis risiko lainnya yakni pasar, likuiditas, hukum, reputasi, strategik, dan kepatuhan telah dikelola dengan lebih baik meskipun tetap memerlukan penguatan koordinasi dan peningkatan disiplin prosedural. Kesimpulan dari penelitian ini menegaskan bahwa peran SKAI sangat vital dalam menjaga keberlangsungan dan kesehatan sistem perbankan syariah. Akan tetapi, keberhasilan mitigasi risiko tidak hanya bertumpu pada audit internal, melainkan juga ditentukan oleh komitmen seluruh unit kerja dan manajemen dalam membangun budaya kepatuhan, tanggung jawab, dan pengendalian yang berkesinambungan.
Analysis of Community Preferences in Islamic Banking Denata, Betria; Izmuddin, Iiz; Zuwardi, Zuwardi; Alfin, Aidil
International Journal of Education, Information Technology, and Others Vol 8 No 4 (2025): International Journal of Education, information technology   and others
Publisher : Peneliti.net

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Abstract

Sharia banking in Nagari Malalak Timur has great potential, but the community still actively uses conventional banks, and only a few choose sharia banks as their primary option for financial transactions. This low level of interest is due to a lack of understanding of Islamic principles, limited access to Islamic bank branches, and the perception that Islamic products are more complicated and expensive than conventional banks. The purpose of this study is to identify and analyze the level of understanding of the people of Nagari Malalak Timur regarding Islamic banking products and services, as well as the reasons for choosing conventional banks. This study uses a qualitative approach, with a descriptive qualitative research type. The research location was in East Malalak Village, Malalak District, Agam Regency. Data collection techniques used observation, interviews, and documentation. Data analysis techniques used data reduction, data presentation, and verification or conclusions. The results of the study in Nagari Malalak Timur show that the community's preference for Islamic banks is still low. Influencing factors include limited knowledge, the habit of using conventional banks, and difficult location and accessibility. The community finds it difficult to understand the concept of Islamic banking and prefers conventional banks because of familiarity. To increase the use of Islamic banks, there needs to be an effort to raise awareness and open branches in the area.
THE ROLE OF THE NATIONAL AMIL ZAKAT AGENCY OF AGAM REGENCY IN RAISING AWARENESS OF MUZAKI IN NAGARI BAYUA TO PAY AGRICULTURAL ZAKAT Manfaluthi Manfaluthi; Zuwardi Zuwardi
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 3 No. 2 (2024): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Publisher : ADISAM Publisher

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Abstract

This research is motivated by the tendency of farmers not to pay agricultural zakat, as for the community factors that do not want to pay zakat, lack of knowledge, farmers feel a lack of paying agricultural zakat, lack of awareness of farmers, therefore the role of the amil zakat agency has informed and has also gathered the Nagari Bayua farmer community at the sub-district office, but only a few farmers were present. Until now, only a few farmers have paid their agricultural zakat to BAZNAS, it's just that farmers who have reached their nisab pay their agricultural zakat directly to people who are entitled to receive zakat and there are also farmers who pay zakat to relatives who are not entitled to zakat. Public awareness about the obligation to pay zakat for agricultural products (rice) in Nagari Bayua, Agam Regency is very lacking, awareness regarding the obligation to pay zakat for agricultural products, especially rice, is an indication that the community is not yet aware of the importance of paying zakat for agricultural products (rice). The majority of the work of the people of Nagari Bayua, namely farmers, sometimes has difficulty meeting their daily needs, thus the existence of the Agam district national Amil Zakat Agency so that the people of Nagari Bayua can pay Zakat from rice paddy farming to BAZNAS and distribute it by BAZNAS to asnaf 8 (fakir, poor, amil, converts, riqab, gharim, fisabilillah, ibnu sabil).
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