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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
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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STRATEGI PEMASARAN PRODUK DEPOSIT DI BAITUL MAAL WA TAMWIL AL-FATAYA PAYAKUMBUH Nadya Utami; 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 background of this research is the lack of knowledge in the community about i-Deposit products, so that there are many methods that are used by each bank in carrying out the strategy. One of them is by promoting it at least by providing explanations or knowledge to the community about the idea deposit product i. This research aims to find out how the marketing strategy for the deposit product is in the face of competition between other Islamic financial institutions. In this description, the research used is in the form of field research which is qualitatively descriptive in nature by using iSWOT analysis. Because of that, the writer must know how the condition of the company, namely the internal and external factors that influence the marketing strategy that exists in the company, i. The Weakness-Opportunities (WO) strategy gets a weight of 3.42. While the Strength-Threats (ST) strategy gets a weight of 2.95. The Weakness-Threats (WT) strategy gets a weight of 2.27. So that from the results of calculating the weight of the SWOT Matrix score, BMT Al-Fataya can use and make the most of its strengths and opportunities so as to achieve increased marketing of deposit products. Then BMT Al-Fataya is able to face weaknesses and threats in marketing these deposit products.
PENGARUH PENDAPATAN ASLI DAERAH DAN DANA PERIMBANGAN TERHADAP KINERJA KEUANGAN PEMERINTAH DAERAH PADA PROVINSI KEPULAUAN RIAU TAHUN 2013-2022 Fauziah Nur; Zuwardi
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 2 No. 4 (2024): HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis
Publisher : ADISAM PUBLISHER

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Abstract

Regional government financial performance will show the level of achievement of work results in the regional finance sector using the financial system through statutory policies during a certain period. So that regional governments are expected to be able to optimize the performance of the budget that is determined and approved. Regional government as one of the representatives of the central government in each region has a crucial role, especially related to the welfare of the people. Islam itself emphasizes that achieving prosperity that originates from public finances must be managed optimally for the needs and prosperity of increasing the benefit of the people. Thisresearch is motivated bythe lack of independence of regional governments, which shows that balancing fundsfrom the centralgovernment are greater than local original income. This shows that regional governments are stilldependent on thecentral government, which can result in a decline in regional government financial performance. In Islamic economics, humans are ordered to distribute their income so that it does not circulate to some people and avoid income disparities that can make poor people more miserable and rich people become richer. The results of this research show that Regional Original Income has a positive effect on local government financial performance, Balancing Funds has a negative effect on local government financial performance. Meanwhile, Regional Original Income and Balancing Funds have a significant effect on regional government financial performance
ANALISIS STRATEGI PENGELOLAAN WISATA ALAM TAMAN TIRTASARI SONGSANG, KABUPATEN AGAM Ahin Nainggolan; Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 4 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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The management of tourism activities is very important to be carried out on an object because it is a change in the conditions that are applied. If you do not manage a tourist object, there will be no developments and changes that occur to the object. With good and correct management of the tourism sector, the tourism sector can create jobs, business opportunities for the community and can drive the local and regional economy. However, the management of the Tirtasari Songsang Park tourism area does not optimize the existing attractions. The research method used in this study is a qualitative descriptive approach. Data collection techniques by observing, interviewing, and documentation. The informants in this study were the managers of the Tirtasari Songsang Park tourist attraction, the public, and visitors to the Tirtasari Songsang Park tourist attraction. The method of analysis in this study is to use SWOT analysis to analyze the strengths, weaknesses, opportunities and threats in tourism development in Taman Tirta Sari Songsang. Based on the results of the research, it shows that tourism management in the Tirtasari Songsang Park has not been carried out optimally and still requires great attention from the manager. By using the SWOT analysis for tourism management, a suitable strategy is to use the S-O (Strengh-Opportunity) strategy, which is to use the strengths you have to take advantage of existing opportunities: 1. By reason of the many opportunities that can be utilized in tourism management, 2. Improvements in the facilities and infrastructure sector to attract visitors, 3. Development of tourism potential by maintaining existing potential.
ANALISIS PERAN PERMODALAN NASIONAL MADANI (PNM MEKAAR SYARIAH) DALAM MENINGKATKAN PENDAPATAN MENURUT PERSPEKTIF EKONOMI ISLAM (Studi Kasus Pelaku Usaha Mikro di Nagari Abai Siat Kecamatan Koto Besar Kabupaten Dharmasraya) Karen Elya Zikra; Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 4 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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Abstract

This research is motivated by researchers' observations regarding the analysis of the role of civil national capital (PNM Mekaar Syariah) in increasing income according to an Islamic economic perspective for micro business actors in Nagari Abai Siat. This study aims to find out how the role of PNM Mekaar Syariah in increasing the income of micro-entrepreneurs. This research is a type of qualitative research that is descriptive in nature. Data collection techniques used are observation, interviews and documentation. While the data analysis techniques used are data reduction, data presentation, and drawing conclusions. From the results of the research conducted by the researchers, it was concluded that PNM Mekaar Syariah has helped increase the business income of micro-entrepreneurs in Nagari Abai Siat, Koto Besar District, Dharmasraya Regency. After getting capital from PNM Mekaar, micro entrepreneurs can increase their business so that the income they get increases. Of all these principles PNM Mekaar Syariah has implemented these principles and has not violated them, customers from PNM Mekaar do not feel abused and burdened by margins and PNM Mekaar employees also have an honest, fair and disciplined attitude
ANALISIS PRATEK “MANDULANG AMEH” DALAM MENINGKATKAN PENDAPATAN MASYRAKAT (STUDI KASUS: JORONG SILUKAH NAGARI DURIAN GADANG KECAMATAN SIJUNJUNG) Ranti Oktavia; Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 4 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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Abstract

This thesis entitled “ Analysis of mandulang Ameh practices in increasing people’s income (case study : Jorong Silukah Nagari Durian Kecamatan Sijunjung)” was written by Ranti Oktavia Nim 3219138 islamic economics study program, faculty of islamic economics and business (FEBI), State Islamic University (UIN) Sjech M. Djamil Djambek Bukittinggi, For guidance from Mr. Zuwardi,MA. The background of the author discusses this title because the practice of ameh mandulang initially used a simple tool called ginger but with the decline in the economic sector the community took the pitas road using boat mines or ameh mandulang using rafts, so the practice of ameh mandulang can open jobs and increase the community's economy. Before the mandulang amch practice, the community's income from farming was not much but with the mandulang ameh income which is currently increasing if there are no constraints from the weather or other things. This research is a field research by collecting data and research locations. The approach in this research is descriptive qualitative research by describing field events according to the data, presenting data and analyzing data and describing existing problem solvers. This method is used to describe something as it is. The results of the study show that the existence of mandulang amch really helps the community to meet the necessities of life and an economy that is already relatively prosperous. We can see this and the practice of ameh mandulang can open up employment opportunities for the community such as rice stalls, mechanics and small stalls that sell the needs of the amch mandulang workers. From the practice of Ameh's mandulang, we can see that primary needs can be met in the form of groceries and others. There are also widespread needs that can be met by Mandulang Ameh workers who own motorized vehicles and even cars at high prices.
ANALISIS STRATEGI PEMASARAN PRODUK ARRUM HAJI DALAM MENINGKATKAN JUMLAH NASABAH PADA PT. PEGADAIAN SYARIAH UNIT MANGGIS Hovi Vatul Rahma; Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 4 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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Abstract

This study aims to find out how the marketing strategy for arrum haji products is in facing competition between other Islamic financial institutions. In this thesis, the research used is field research (field research) which is descriptive qualitative by using SWOT analysis. Therefore, the author must know how the state of the company, namely internal factors and external factors that influence the existing marketing strategy of the company. The results of this study indicate that to market arrum haji products at PT. Pegadaian Syariah Manggis Unit Bukittinggi by maintaining strength and making the most of available opportunities to achieve product marketing strategies by improving marketing strategies can be carried out through promotions with social media with technological advances and by making brochures or banners about Arrum Haji products of the Manggis Syariah Pawnshop unit. Based on the analysis on the combination of the SWOT matrix strategy for marketing arrum haji products, the SO strategy was obtained with a total score of 3.84, namely introducing that arrum haji products at sharia pawnshops are in accordance with Islamic sharia, increasing publications about arrum haji products through social media and print media, and activate promos regarding arrum haji products at every event in the community. As for the implementation of arrum haji products at sharia pawnshops, the principle of caution is used so that in every activity we are always careful so that we can protect the data and funds entrusted. Applying the principles of justice, the principle of trust and the principle of togetherness.
STRATEGI PROMOTIONAL MIX DALAM MEMASARKAN PROGRAM UMRAH PADA PT. BIMALYNDO HAJAR ASWAD KOTA BUKITTINGGI Mukhlis Mukhlis; Zuwardi Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 6 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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This research has a background due to the ineffectiveness of PT. Bimalyndo Hajar Aswad, the city of Bukittinggi in promoting the Umrah program product which is marked by the fact that there are still many ordinary people who do not know what the Umrah programs are, besides that there are still many competitors with competitive prices and a decrease in the number of departures of prospective Umrah pilgrims. The purpose of this research is to find out, analyze, promotional mix strategies in marketing the Umrah program at Pt. Bimalyndo Hajar Aswad, City of Bukittinggi. The method in this research is a qualitative method. This research used data collection techniques in the form of interviews, observation and documentation to find out what the promotion mix is in promoting the Umrah program product. While the data analysis technique used is the SWOT analysis method. Promotion mix used by PT. Bimalyndo Hajar Aswad Kota Bukittinggi is personal selling, advertising, direct market, public relations.
ANALYSIS OF THE EFFECT OF SUKUK IJARAH ISSUANCE ON THE PROFITABILITY OF COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE FOR THE 2018-2021 PERIOD   Fathia Hidayat; Zuwardi Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 6 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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This thesis is entitled "Analysis of the Effect of Issuing Sukuk Ijarah on the Profitability of Companies Listed on the Indonesia Stock Exchange for the 2018-2021 Period" which was compiled by Fathia Hidayat with NIM 3419154 Sharia Accounting Study Program, Faculty of Islamic Economics and Business, State Islamic University (UIN) Sjech M. Djamil Djambek Bukittinggi with guidance from Mr. Zuwardi., MA. The background of this research is the issuance of sharia bonds (sukuk) with Ijarah contracts by several publicly listed companies listed on the Indonesia Stock Exchange with the aim of strengthening capital in order to support business development activities in the form of financing distribution which fluctuates (increases and decreases). This type of research is quantitative research. The data used is secondary data. Data collection techniques using the documentation method. Selection of the sample in this study using purposive sampling. The number of samples obtained is 36 samples. Methods of data analysis are descriptive statistics, simple linear regression, classical assumption test, and hypothesis testing. The results show that the variable issuance of Islamic bonds (sukuk) with Ijarah contracts is negatively correlated and has no significant effect on Profitability (ROA) in all of these companies. This is indicated by the probability results showing sig 0.259 > 0.05 or the t test -1.149 <t table 2.032 so that H1 is rejected. And the R square value in this study shows that Sukuk Ijarah contributes weakly to ROA profitability, namely 3.7%, the remaining 96.3% is explained by other variables.
THE ROLE OF WOMEN'S SAVINGS AND LOANS PROGRAM IN INCREASING MEMBERS' INCOME FROM AN ISLAMIC ECONOMIC PERSPECTIVE Devita Lingga Pratiwi; Zuwardi Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 7 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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This study's goal is to comprehend how Simpan Pinjam Perempuan program works to increase employee pay from Islam's econ of qualitative research being done at the moment is deskriptively written research methodology. The information that was used was data primer, which used as a pr piece of information in the study by way of a conversation with lone remain Saving and Loans organization, and data second as the study's supporting information from websites and related documents. The study's findings demonstrate that the presence of the Women's Savings and Loans Program is very helpful to the community in meeting their needs, This is evident from the increasingly rapid business development, as well as the increasing income levels of members, besides that it also provides job opportunities for the surrounding community who do not have jobs. Women's Savings and Loans Program has already begun operating in accordance with the objectives and benefits specified, such as
THE INFLUENCE OF MARKETING MIX ON THE INCREASE IN THE NUMBER OF PROSPECTIVE UMRAH PILGRIMS AT PT. BIMALYNDO HAJAR ASWAD BUKITTINGGI CITY Muhammad Ikram Suhardi; Zuwardi Zuwardi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 7 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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Abstract

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.
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