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Pengaruh Jumlah Pembiayaan, Pendapatan Nasabah, dan Jangka Waktu Pengembalian terhadap Kelancaran Pembiayaan Nasabah BPRS Carana Kiat Andalas Bukittinggi Adif, Riandy Mardhika; Annuara, Muhammad; Irsadunas
Jurnal Informatika Ekonomi Bisnis Vol. 4, No. 4 (December 2022)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v4i4.184

This study aims to determine the effect of the amount of financing, customer income and the period of return on customer financing at BPRS Carana Kiat Andalas Bukittinggi. This study used a quantitative method with a questionnaire research instrument with a logistic regression analysis tool from SPSS 22. The sampling method used purposive sampling with the slovin technique, with a total population of 743 financing customers at BPRS Carana Kiat Andalas Bukittinggi and a sample of 80 financing customers at BPRS Carana Tips Andalas Bukittinggi. The results of this study indicate that the amount of financing has a negative influence on the smooth return of financing. Customer income has a positive influence on the smooth return of financing. Meanwhile, the payback period does not affect the smooth return of financing at BPRS Carana Kiat Andalasa Bukittinggi. And simultaneously the variable amount of financing, customer income, and payback period affect the smooth return of financing at BPRS Carana Kiat Andalas Bukittinggi.

Penerapan Program Kredit Usaha Rakyat Bank Syariah Indonesia dalam Meningkatkan Pendapatan UMKM di Kota Padang Irsadunas; Adif, Riandy Mardhika
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 4 (December 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i4.851

The aim of this research is how much the people's business credit program has increased the income of MSMEs in Padang City. People's Business Credit (KUR) is one of the government's initiatives to develop the MSME industry, especially to support obtaining financing through the People's Business Credit (KUR) program. The micro and MSME development program initiated by the government is now known as People's Business Credit. Furthermore, the relevance of the role of sharia banking in global economic and financial dynamics. Furthermore, this research also determines the impact on the economy of the people of Padang City from the KUR program provided by BSI, providing sustainability or development so that it is worthy of being a strategy to improve the economy of the local community. This research uses qualitative research methods combined with a library research approach. The data sources used in this research are primary data sources and secondary data sources. The data collection technique used in this research is an information search technique using observation of the sources used in the research, structured interviews with sources related to the subject matter, document collection studies, as well as primary and secondary documents. Data analysis begins with collecting data, then comparing, categorizing, and looking for themes to interpret the data. The results of this research show that the implementation of BSI KCP Padang People's Business Credit (KUR) financing has many advantages, one of which is an easy and fast application method and disbursement time, no fines for late payments, cheaper installments so as to save customers' expenses. In this way, KUR BSI KCP Padang financing can increase the income of MSMEs in Padang City.

Penerapan Program Kredit Usaha Rakyat Bank Syariah Indonesia dalam Meningkatkan Pendapatan UMKM di Kota Padang Irsadunas; Adif, Riandy Mardhika
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 4 (December 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i4.851

The aim of this research is how much the people's business credit program has increased the income of MSMEs in Padang City. People's Business Credit (KUR) is one of the government's initiatives to develop the MSME industry, especially to support obtaining financing through the People's Business Credit (KUR) program. The micro and MSME development program initiated by the government is now known as People's Business Credit. Furthermore, the relevance of the role of sharia banking in global economic and financial dynamics. Furthermore, this research also determines the impact on the economy of the people of Padang City from the KUR program provided by BSI, providing sustainability or development so that it is worthy of being a strategy to improve the economy of the local community. This research uses qualitative research methods combined with a library research approach. The data sources used in this research are primary data sources and secondary data sources. The data collection technique used in this research is an information search technique using observation of the sources used in the research, structured interviews with sources related to the subject matter, document collection studies, as well as primary and secondary documents. Data analysis begins with collecting data, then comparing, categorizing, and looking for themes to interpret the data. The results of this research show that the implementation of BSI KCP Padang People's Business Credit (KUR) financing has many advantages, one of which is an easy and fast application method and disbursement time, no fines for late payments, cheaper installments so as to save customers' expenses. In this way, KUR BSI KCP Padang financing can increase the income of MSMEs in Padang City.

PENGARUH PLACE ATTACHMENT DAN CUSTOMER EXPERIENCE TERHADAP REVISIT INTENTION PADA WAROENG GAUL SAWAHAN KOTA PADANG: DIMEDIASI OLEH RESTAURANT IMAGE ALFATAH, SOBRINA; ADIF, RIANDY MARDHIKA
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 9, No 2 (2024): Juli - Desember 2024
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v9i2.1492

Determinant Analysis of MSE Owners' Interest in Islamic Banking Financing in Kenagarian Kinari: A Confirmatory Factor Analysis Approach Adif, Riandy Mardhika; Andespa, Roni; Naldi, Ool
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10244

This study examines the factors influencing Micro and Small Enterprise (MSE) owners' interest in accessing Islamic banking financing in Kenagarian Kinari. Using a quantitative approach and Confirmatory Factor Analysis (CFA), the research involved 89 MSE owners who had not yet accessed Islamic bank financing. The analysis identified ten key factors influencing MSE owners' interest: social factors (27.393%), location (8.879%), marketing mix (7.033%), promotion (5.868%), cultural (5.018%), product (4.473%), procedural (3.930%), personal (3.490%), belief (3.232%), and psychological factors (3.053%). Notably, social factors, encompassing group recommendations, family encouragement, and work environment influence, emerged as the most dominant determinant with the highest loading factor. This research provides significant contributions to developing Islamic banking strategies in reaching the MSE segment and enhancing Islamic financial inclusion at the village level.

Pengaruh Pelatihan, Motivasi dan Disiplin terhadap Kinerja Pegawai dengan Kepuasan Kerja Sebagai Variabel Intervening Anantha, Anggun; Wiratha, Andre; Adif, Riandy Mardhika
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 3 (September 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i3.1274

The main problem in the research is that in 2024 the performance of BPBD Tanah Datar Regency employees will decrease from the previous year. The motivation given to Tanah Datar Regency BPBD employees has not been maximized so that interest in improving performance is difficult to achieve. The role of job satisfaction as a mediating factor in the relationship between training, motivation and work discipline on employee performance has not been analyzed in depth, so its impact on improving performance has not been properly measured. The aim of the research is to explain the influence of training, motivation and discipline on employee performance with job satisfaction as an intervening variable at BPBD Tanah Datar. The type of research used was quantitative research with a field approach with a sample size of 36 employees at BPBD Tanah Datar Regency. The data analysis technique used in this study was path analysis. The results showed that training had a significant effect on employee performance, motivation had no significant effect on employee performance, discipline had a significant effect on employee performance, training had a significant effect on job satisfaction, motivation had a significant effect on job satisfaction, and discipline had a significant effect on job satisfaction. Job satisfaction mediated the effect of training on employee performance at the Tanah Datar Regency Regional Disaster Management Agency (BPBD), while job satisfaction did not mediate the effect of motivation on employee performance at the Tanah Datar Regency Regional Disaster Management Agency (BPBD), and job satisfaction mediated the effect of discipline on employee performance at the Tanah Datar Regency Regional Disaster Management Agency (BPBD).

Pengaruh Pelatihan, Motivasi dan Disiplin terhadap Kinerja Pegawai dengan Kepuasan Kerja Sebagai Variabel Intervening Anantha, Anggun; Wiratha, Andre; Adif, Riandy Mardhika
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 3 (September 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i3.1274

The main problem in the research is that in 2024 the performance of BPBD Tanah Datar Regency employees will decrease from the previous year. The motivation given to Tanah Datar Regency BPBD employees has not been maximized so that interest in improving performance is difficult to achieve. The role of job satisfaction as a mediating factor in the relationship between training, motivation and work discipline on employee performance has not been analyzed in depth, so its impact on improving performance has not been properly measured. The aim of the research is to explain the influence of training, motivation and discipline on employee performance with job satisfaction as an intervening variable at BPBD Tanah Datar. The type of research used was quantitative research with a field approach with a sample size of 36 employees at BPBD Tanah Datar Regency. The data analysis technique used in this study was path analysis. The results showed that training had a significant effect on employee performance, motivation had no significant effect on employee performance, discipline had a significant effect on employee performance, training had a significant effect on job satisfaction, motivation had a significant effect on job satisfaction, and discipline had a significant effect on job satisfaction. Job satisfaction mediated the effect of training on employee performance at the Tanah Datar Regency Regional Disaster Management Agency (BPBD), while job satisfaction did not mediate the effect of motivation on employee performance at the Tanah Datar Regency Regional Disaster Management Agency (BPBD), and job satisfaction mediated the effect of discipline on employee performance at the Tanah Datar Regency Regional Disaster Management Agency (BPBD).

Analisis Halal Knowldege dan Advertising Attractiveness terhadap Purchase Decision Pada Produk Kahf yang Dimediasi Halal Awareness Adif, Riandy Mardhika
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 4 (December 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i4.1291

This research is motivated by the increasing public interest in beauty products driven by lifestyle changes and a higher awareness of health and personal appearance. The purpose of this study is to examine the influence of halal knowledge and advertising attractiveness on purchase decisions mediated by halal awareness. This study uses a quantitative approach with data collection techniques using a questionnaire via Google Form and SEM-PLS tests as its analysis tool. The population in this study were male residents of Padang City. The sampling technique used was purposive sampling with the number of samples determined using the Slovin formula of 100 samples. The results of the data testing show that halal knowledge has a positive and significant effect on purchase decisions for Kahf products in the Padang city marketplace. Advertising attractiveness has a positive but insignificant effect on purchase decisions for Kahf skincare products in the Padang city marketplace. Halal awareness has a positive and significant effect on purchase decisions for Kahf skincare products in the Padang city marketplace. Halal knowledge and advertising attractiveness have a positive and significant effect on halal awareness. Halal knowledge has a positive and significant effect on purchase decisions mediated by halal awareness for Kahf skincare products in the Padang city marketplace. Advertising attractiveness also has a positive but insignificant effect on purchase decisions mediated by halal awareness in the Padang city marketplace. This has implications for Kahf companies to further increase the attractiveness of Kahf advertising to attract consumers.

Development of Culinary MSME Businesses Through the Implementation of E-Business and Halal Certification Assistance for MSME Products Adif, Riandy Mardhika; Yoshanti, Ghita; Kurnia, Rahmat; HSB, Reza Firmansyah; Fahmi, Khairul
Jurnal Pengabdian UNDIKMA Vol. 6 No. 2 (2025): May
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v6i2.15120

This community service aims to increase the skills and knowledge of culinary MSME players, develop an e-business system through online sales platforms, and have certified halal culinary MSME products. This service used the Participatory Action Research (PAR) method to enhance the operational skills of culinary MSMEs in Tabek Patah Village. Through training, MSME actors gained skills in halal certification, digital marketing, and online business tools such as Shopee, Tokopedia, Instagram, WhatsApp Business, and Google Maps. They learned to create digital catalogs, register their businesses on Google Maps, and obtain Business Identification Numbers (NIBs), while understanding the benefits of halal certification for market expansion. Despite challenges like limited internet infrastructure and initial skepticism, the program significantly improved MSMEsâ€™ visibility, competitiveness, and confidence in using technology. However, continuous assistance remains crucial to sustain these advancements and address remaining barriers, ensuring long-term success in integrating technology and halal standards into their operations.

The Concept of Green Human Resource Management in Industry Adif, Riandy Mardhika; Na`am, Jufriadif; Nazir, Novizar
AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Vol. 4 No. 1 (2020)
Publisher : Asia Pacific Network for Sustainable Agriculture, Food and Energy (SAFE-Network)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29165/ajarcde.v4i1.35

The integration of environmental management into Human Resource Management (HRM) is called Green HRM. There is a growing need for the application of Green HRD in industry. The objective of this review is to explore green human resource management practices of organizations in the industry based on the existing literature. Based on this review, it is concluded that by understanding and increasing the scope and depth of green HRM practices, organizations can improve their environmental performance in a more sustainable manner than before. The green HRM practices are more powerful tools in making organizations and their operations in industry green. The green performance, green behaviors, green attitude, and green competencies of human resources can be shaped and reshaped through the adaptation of green HRM practices.

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