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ZUWARDI, ZUWARDI
UIN Sjech M. Djamil Djambek Bukittinggi
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ANALYSIS OF FACTORS CAUSING CONVENTIONAL BANK CUSTOMERS TO TAKE OVER TO SHARIA PEOPLE'S FINANCING BANKS(CASE STUDY OF PT BANK FINANCING RAKYAT SYARIAH SUNGAI PUA) Nisa Andriyani; 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

The research carried out by the author was motivated by the existence of customers who paid off their debts and took over to sharia people's financing banks because sharia people's financing banks applied smaller margin limits in carrying out financing so that the installments charged to customers were also small, the interest in conventional banks was not stable makes customer financing installments uncertain. The aim of this thesis is to identify and analyze the factors that cause conventional bank customers to take over to PT Sungai Pua sharia people's financing bank. The method used in this research is qualitative procedures, which produce descriptive data with information from institutions involved in the research object. The factors that cause conventional bank customers to take over to the Sungai Pua sharia people's financing bank are divided into two, namely internal factors and external factors. Internal factors are easy requirements, easy installments and increasing bank income. External factors are the customer's desire to carry out sharia-based financing, fluctuations in interest rates, less than optimal services, persuasion from friends and friends and to get fresh money.
ANALYSIS OF MURABAHAH FINANCING IMPLEMENTATION IN REPLANTING OIL PALM PLANTATIONS WEST PASAMAN DISTRICT(Case Study of PPP Perintis West Pasaman Regency) Nafisah Nursapni; 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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This research is motivated by problems in murabahah financing in the rejuvenation of oil palm plantations. The aim of this research is to determine and analyze the implementation of murabahah financing in the rejuvenation of oil palm plantations in West Pasaman district and to determine the effect of implementing murabahah financing in the rejuvenation of oil palm plantations in increasing the income of KPS Perintsi members. This research uses a qualitative descriptive type. The data sources in this research are primary and secondary data. Data collection techniques were taken through observation, interviews and documentation. The data analysis techniques are data reduction, data presentation, drawing conclusions. The results of the research obtained by the author show that the use of implementing murabahah financing in rejuvenating oil palm plantations of KPS Perintis members uses Bank Syariah Indonesia funds, namely murabahah loans for which KPS Perintis is channeling. Rejuvenation is carried out independently, except when felling oil palm trunks using the services of contractors using heavy equipment. Technically, the entire implementation of cultivation and financing for rejuvenation of oil palm plantations is from KPS Perintis which is the channeling until the plants produce, KPS Perintis is the person responsible for the loan installments which are deducted from the FFB production every month. The obstacle that occurs in the implementation of murabahah financing for the rejuvenation of oil palm plantations is that when signing the credit agreement for members whose parents have died and the SHM guarantee after changing the names to all the heirs, they have to collect the requirements of all the heirs. All heirs must sign the credit agreement for the disbursement of murabahah contract funds because each heir is domiciled in several regions, districts, and even in other provinces. The solution to this problem is to contact all the heirs whose names are listed in the SHM guarantee to come to the BSI office and there are some heirs who are unwilling or have problems coming to the BSI or KPS Perintis office, so KPS Perintis must go to the location where the heirs live.
CHALLENGES AND SOLUTIONS TO THE USE OF ONLINE SHOPPING APPLICATIONS IN THE PERSPECTIVE OF ISLAMIC ECONOMYIN INDONESIA Zuwardi; Azzahratul Hasanah, Musdeki Mulya, Riana Wiliza, Anita Triana, Sirtia Pelanda Onesti
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 1 No. 4 (2024): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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The use of online shopping applications has become a predominant trend among the Indonesian population, presenting challenges and opportunities within the context of Islamic economics. This article discusses the challenges faced by users of online shopping applications from the perspective of Islamic economics in Indonesia, highlighting aspects such as Sharia compliance, transparency, and social responsibility. Challenges include the ambiguity of the halal status of products, uncertainty in transaction processes, and ethical issues related to promotions and advertisements. Simultaneously, this article identifies solutions that can be implemented to address these challenges. These solutions encompass the development of clear Sharia guidelines for online products and services, increased transparency in business processes, and enhanced awareness and education of the public regarding Islamic economic principles. The implementation of blockchain technology and Sharia-compliant payment mechanisms is also highlighted as potential solutions to improve trust and Sharia compliance within the online shopping ecosystem. Through this analysis, the article provides insights into how online shopping applications can be integrated with Islamic economic values, creating an ecosystem that is not only technologically innovative but also aligned with the principles of Islamic finance. Consequently, it is hoped that a more inclusive, transparent, and Sharia-compliant online shopping ecosystem can be established in Indonesia.
PENGARUH BAURAN PEMASARAN (MARKETING MIX) TERHADAP PENINGKATAN JUMLAH CALON JAMAAH UMRAH DI PT. BIMALYNDO HAJAR ASWAD KOTA BUKITTINGGI Muhammad Ikram Suhardi; Zuwardi
BORJUIS: JURNAL OF ECONOMY Vol. 2 No. 3 (2025): BORJUIS: JOURNAL OF ECONOMY
Publisher : Adisam Publisher

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This article discusses the influence of the marketing mix (marketing mix) on increasing the number of prospective Umrah pilgrims at PT. Bilmalyndo Hajar Aswad, City of Bukittinggi, the main problem raised in this article is the lack of interaction between employees of the Umrah travel service provider, namely PT. Bilmalyndo Hajar Aswad for prospective service users who have not used Umrah travel services and there is no increase in the number of prospective Umrah pilgrims using tour travel services. The purpose of this study was to determine the effect of the marketing mix on increasing the number of prospective Umrah pilgrims and to find out the efforts made by PT. Bimalyndo in increasing the number of prospective pilgrims. This research is a quantitative research, which can be interpreted as a method based on the philosophy of positivism, used to examine certain populations or samples. The results showed that the multiple linear regression test obtained a constant value of 1.662, the regression coefficient on the Product variable was 0.201/20.1%, Promotion was 0.307/30.7%, Price was 0.351/35.1%, Place was 0.269/26.9%. Process 0.419/41.9%, Human 0.360/36%, and Physical Evidence 0.314/31.4%. This shows that if every 1% increase in the independent variable, it will affect the increase in Umrah Pilgrims Candidates by the value of the regression coefficient. For the test results the Coefficient of Determination (R2) is 78.1%, there are still other variables that can influence the increase in the number of prospective Umrah pilgrims by 21.9%. This means that this research can still be developed and studied to completion in order to get the effect of the overall value on the Increase in the Number of Prospective Jama'ah. PT. Bimalyndo can analyze more deeply regarding opportunities and steps that must be taken to attract customers by using the marketing mix reference theory in the service sector so that his efforts to increase the number of Umrah pilgrims in his company can be achieved.
ANALYSIS OF INTRINSIC AND EXTERNAL FACTORS INFLUENCING TRADERS' DECISION TO CHOOSE ISLAMIC FINANCIAL INSTITUTIONS Yefri Joni; Iiz Izmuddin; Rahmat; Zuwardi; Al-Amin
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 1 (2025): JULY
Publisher : CV. Adiba Aisha Amira

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The purpose of this study is to find out how the Analysis of Intrinsic and External Factors that Affect Traders' Decision to Choose Islamic Financial Institutions. The method of this research is This research is a type of literature research; This means that the information materials used come from library sources in the form of books, encyclopedias, magazines, journals, newspapers, journals, and others. The form of this research is descriptive, analytical, critical and In this study, the author optimally uses two data sources related to this research, namely. Primary data sources and secondary data sources. The main source of this research is scientific books and journals The results of this research are By considering these factors, traders will make decisions that are more in accordance with their own values, needs, and conditions in choosing an Islamic financial institution.
ANALISIS DAMPAK PENGEMBANGAN WISATA PUNCAK KOTO PANJANG DALAM MENINGKATKAN PENDAPATAN PEDAGANG DI DESA LANSEK KADOK KABUPATEN PASAMAN MENURUT ETIKA BISNIS ISLAM Alifatin Nurfaizah; Zuwardi Zuwardi
Jurnal Salome : Multidisipliner Keilmuan Vol. 1 No. 5 (2023): Jurnal Salome: Multidisipliner Keilmuan
Publisher : CV. ADIBA AISHA AMIRA

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This study was motivated by traders in the long Koto Puncak Koto area which is located at Puncak Koto-long Gotgarian Lansek Giftsk, Jorong II Koto-long, Pasaman Regency. And to find out Islamic Business Ethics in trading. Also knowing the Impact of The Peak Koto- long Tourism Development On Traders’ income. This type of research is qualitative research with a research approach used by norms and sociology. The primary sources of this research adalahdata are primary and secondary data. Data processing techniques and analysis techniques are carried out with Milles and Heubermen with three stages, namely: data reduction, data presentation, and drawing conclusions. From the research conducted on the field, it can be concluded that the Impact of Koto-long Tourism Development in Increasing Traders’ Revenue in Lansek Village of Gifts Pasaman Regency, according to Islamic Business Ethics with the Existence of Koto Long Tourism Objects has a big impact as a place that is able to absorb employment as well as the provision of the field among other people who are able to absorb labor. This is based on the results of the study conducted by studies that show a state after evidenced by the existence of the village community that became labor as a manager and merchant at the Peak coto-long Tourist Objects. The people of Lansek Giftul Village have many income from this job, and increase the results of income for the community, especially traders at the Long Koto Tourism Peak Area. Also still being found by the activities of traders who are not in accordance with the principles of Islamic Business Ethics, namely Atlas God SWT because merchants are only world-oriented and do not think about the hereafter. The intention of sincerity should be expected from Allah is the main thing in all businesses carried out during life in the world. But there are also traders who are in accordance with Islamic business ethics, which is honest and trust where the author finds facts in the field that traders at the top coto length are honest.
ANALISIS PERAN DIVISI SATUAN KERJA AUDIT INTERNAL DALAM MITIGASI RISIKO PROSES PEMBIAYAAN (STUDI KASUS: PT BANK KB BUKOPIN SYARIAH BUKITTINGGI) Alena Tiosa; Zuwardi Zuwardi
Jurnal Salome : Multidisipliner Keilmuan Vol. 1 No. 5 (2023): Jurnal Salome: Multidisipliner Keilmuan
Publisher : CV. ADIBA AISHA AMIRA

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This research is a field research with a qualitative method that connects theory with facts using primary data sources and secondary data. Data collection techniques using document studies, observations, and interviews. Based on the results of the research that the authors have done, it can be interpreted that the role of the internal audit work unit division in managing the risk of the financing process at PT. Bank KB Bukopin Syariah Bukittinggi, aims to prevent financing risks that can harm the bank, such as a decrease in the number of customers, incomplete data from prospective customers, as well as repeated findings in the financing inspection process, therefore auditing the role of the unit internal work in handling the risk of the financing process is very important in supporting the management and risk mitigation of the financing process, then several internal audit roles are carried out in identifying financing risks at PT Bank KB Bukopin Syariah Bukittinggi such as ensuring compliance, credit quality assessment, testing of financing procedures, checking portfolio Financing, overcoming fraud and protection, as well as reporting and recommendations, by carrying out this role, the financing process will run according to the provisions. The stages of carrying out inspections by the internal audit work division in handling the risk of the financing process at PT Bank KB Bukopin Syariah Bukittinggi, include audit planning, information gathering, evaluation and risk assistance, development of audit plans, audit implementation, analysis of findings and completion of reports and follow-up follow up on audit results.
FAKTOR MAHALNYA HARGA SAYURAN DI KABUPATEN AGAM DAN IMPLIKASINYA TERHADAP PENDAPATAN PETANI Finni Jum’atul Ummy; Rantika Nurul Azani; Shelvi Nessya Adlin; Yestin Aprilia; Zul Wahid Novendra; Zuwardi
NETIZEN: JOURNAL OF SOCIETY AND BUSSINESS Vol. 2 No. 3 (2026): NETIZEN: JOURNAL OF SOCIETY AND BUSSINESS
Publisher : CV. ADIBA AISHA AMIRA

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As an agricultural country, agriculture is one of the most important industries in the world. In Indonesia, this is reflected in the role of the agricultural sector in providing land. Foreign exchange contribution through labor, food supply, exports, etc. The development of the times has led to an increase in the direction of the agricultural sector. Even industrial areas where companies were established or residential areas were expanded. In writing this scientific work the author uses a descriptive analytical method whose approach is qualitative and quantitative. Land is a limited natural resource. Land is important because its existence is necessary for human survival in carrying out their activities. Agricultural land is a production factor that plays a very important role in agriculture compared to other production factors. Without land there is no agriculture. Land is the place where agriculture can operate. There are several factors that cause the price of vegetables in Agam Regency to be high, including land conversion. The impact of land conversion is to cause changes in the economic activities of land converters or farmers. This change is very significant. The economic activities carried out were initially related to agriculture.
STRATEGI PENGEMBANGAN USAHA HOTEL SYARIAH BATANG SIANOK MENURUT ETIKA BISNIS ISLAM Ira Wahyuni Putri; Zuwardi
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 1 No. 2 (2023): HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis
Publisher : ADISAM PUBLISHER

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This study aims to identify and analyze the development strategy used by the Batang Sianok Syariah Hotel using SWOT analysis. This type of research uses qualitative data such as interviews, observations, and documentation which is carried out directly with the owners and employees of the Batang Sianok Syariah Hotel to obtain accurate, precise and real data. This study used 3 research informants such as interviews with the owner (owner), as well as hotel managers and hotel employees. In addition, the data obtained was also analyzed by the authors by applying SWOT analysis, IFE, EFE, SWOT Matrix, and Score Table. From this research it can be concluded that the Batang Sianok Syariah Hotel development strategy needs to take advantage of existing opportunities by minimizing the weaknesses possessed by the hotel. This strategy can be carried out by increasing promotional activities, cooperating with various agencies, improving products and services, adding existing facilities and improving the condition of hotel buildings, in this way it will be easier for hotels to attract potential customers.
ANALISIS MANAJEMEN PENGELOLAAN PERKEBUNAN KELAPA SAWIT PERSPEKTIF BISNIS ISLAM (STUDI KASUS: PETANI KELAPA SAWIT MUARA KIAWAI KABUPATEN PASAMAN BARAT) Indra Pradana; Zuwardi
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 1 No. 2 (2023): HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis
Publisher : ADISAM PUBLISHER

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The backgrounnd of this research is that oil palm farmers in managing oil palm plantations have not been maximizeed sothat it affects the quality of oil palm fruit and the ethics of oil palm farmers paying workers' wages noton tine. The purpose off this studiy was todetermine the management of coconut plantations and the management of oil palm plantations from the Islamic business perspective of Muara Kiawai, West Pasaman Regency. This researrch uses a qualitative descriptive research type. The tyipe of data use is primary data andsecondary data and uses data collectcion techniques by observatiion, interviewsand documentati. Based on the results of the study, the management of oil palm plantations in Muara Kiawai Pasaman Barat has not been maximized. Oil palm farmers in Muara Kiawai do not understand about their own nurseries and buy them at nurseries at quite expensive prices. Oil palm farmers do not know the planting time in planting oil palm. Hygiene maintenance around the oil palm was not paid attention to, they did not have plates and the farmers did not understand the dosage of fertilization. In controlling pests and diseases of oil palm farmers only allow pests and weeds to interfere. In the harvesting process, farmers harvest palm oil before it is time to harvest due to urgent circumstances that affect unproductive yelds. Therefore, optimal management is needed to increase crop yields. Complaints of oil palm farmers when the priceof palm oil is low and the price of fertilizer is getting higher, making farmers experience difficulties. Then the Islamic business ethics of oil palm smallholders in managing oil palm plantations results in delays in payment of wages to workers. This is notin accordance witth the objective ofthe principle of monotheism, which is to form a unified whole.
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