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All Journal Jurnal Kajian Ekonomi Jurnal Ekonomi Islam JCES (Journal of Character Education Society) JURNAL EDUCATION AND DEVELOPMENT Istinbath: Jurnal Hukum dan Ekonomi Islam Jurnal Pembangunan Nagari Ikhtisar: Jurnal Pengetahuan Islam JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Jurnal Iqtisaduna CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Transformasi: Journal of Economics and Business Management Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Jurnal Ekonomi Islam Jurnal Al-Karim : Jurnal Pendidikan, Psikologi dan Studi Islam At Tasyri'i Jurnal Prodi Perbankan Syariah
Eriawati, Yossi
STAI YAPTIP Pasaman Barat
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ETOS KERJA MENURUT HASBI ASH SHIDDIQY DAN A.HASSAN Eriawati, Yossi; Syofrianisda
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 4 No. 1 (2021): Jurnal At Tasyri'i Januari-Juni 2021
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v4i1.130

Abstract

Tulisan sederhana ini mendeskripsikan tentang pemikiran dari seorang Hasbi Ash Shiddiqy dan A.Hassan tentang etos kerja. Pembahasan ini bersifat telaah deskriptif analitif dengan fokus pada karyanya,terutama pada karya tafsirnya Tafsir Annur dan Tafsir al-furqan. Tulisan ini menganalisa tentang ayat-ayat etos kerja dalam al-Qur’an serta bagaimana memahami ayat-ayat etos kerja dalam tafsirnya dengan metode komparatif. Dari hasil penelitian yang dilakukan dapat disimpulkan bahwa Hasan dan Hasbi dalam memahami ayat-ayat etos kerja tidak jauh berbeda. Hassan dan Hasbi memaknai etos kerja merupakan semangat kerja keras yang didasari niat ibadah sebagai bekal amal di akhirat.
Analisis Faktor-Faktor Penentu Nasabah Dalam Memilih Jasa Perbankan Syariah Di PT. Bprs Ampek Angkek Candung Cabang Pasaman Barat Eriawati, Yossi; Tasya Andria Nella; syofrianisda, Syofrianisda
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 4 No. 2 (2021): Jurnal At Tasyri'i Juli Desember 2021
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v4i2.147

Abstract

Latar belakang pada penelitian ini di PT Bank Pembiayaan Rakyat SyariahCabang Pasaman Barat. Pada sebuah Faktor penentu nasabah yaitu faktor penentunasabah merupakan proses pengambilan keputusan pembelian nasabah dipengaruhioleh faktor sumber daya nasabah, motivasi dan keterlibatan, pengetahuan, gayahidup. Ada beberapa faktor yang mempengaruhi pengambilan keputusan nasabahseorang di antaranya yaitu : faktor keadaan ekonomi, gaya hidup, religius. Jasaperbankan ialah suatu aktifitas ekonomi dalam sistem perbankan yangpelaksanaannya berdasarkan hukum islam.Penelitian ini bertujuan untuk mengkaji Analisis Faktor-Faktor PenentuNasabah Dalam Memilih Jasa Perbankan Syariah Cabang Pasaman Barat. Penelitianini menggunakan metode pendekatan kuantitatif. Teknik analisis data yang digunakanadalah regresi linier berganda.Data yang digunakan adalah data primer yang diperoleh melalui kuosionermenggunakan penelitian lapangan (field research) dengn jumlah responden sebanyak50. Populasi dalam penelitian ini yaitu nasabah pada PT Bank Pembiayaan RakyatSyariah Cabang Pasaman Barat. Teknik pengumpulan data dilakukan denganpenelitian lapangan (Kuiesioner dan studi kepustakaan).Hasil dari penelitian ini adalah adanya pengaruh yang signifikan antaravariabel keadaan ekonomi terhadap keputusan nasabah pada PT Bank PembiayaanRakyat Syariah Cabang Pasaman Barat dengan hasil nilai t sebesar 0.675 maka adapengaruh keadaan ekonomi terhadap keputusan nasabah pada PT. Bank PembiayaanRakyat Syariah Cabang Pasaman Barat sedangkan nilai signifikan sebesar 0.007.serta adanya pengaruh yang signifikan antara variabel gaya hidup terhadap keputusannasabah pada PT. Bank Pembiayaan Rakyat Syariah Cabang Pasaman Barat, hasil nilai t sebesar 0.042 dengan nilai signifikan sebesar 0.758. dan adanya pengaruhsignifikan antara variabel religius terhadap keputusan nasabah, hasil nilai t sebesar0.032 dengan nilai signifikan 0.883 maka adanya pengaruh gaya hidup terhadapkeputusan nasabah pada PT. Bank Pembiayaan Rakyat Syariah Cabang PasamanBarat.
Pengaruh Kredit Macet Terhadap Kinerja Keuangan PT. Bank Pembiayaan Rakyat Syariah (BPRS) Ampek Angkek Candung Cabang Simpang Empat Pasaman Barat Eriawati, Yossi; Octavia, Nofriani
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 5 No. 1 (2022): Jurnal At Tasyri'i Januari Juni 2022
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v5i1.160

Abstract

Latar belakang pada penelitian ini di PT. Bank Pembiayaan Rakyat Syariah Ampek Angkek Candung Cabang Simpang Empat Pasaman Barat. Tujuan penelitian ini untuk mengetahui adakah variabel kredit macet berpengaruh terhadap kinerja keuangan. Jenis penelitian ini adalah studi kasus, data diperoleh melalui wawancara, penyebaran kuesioner,observasi. Teknik analisis data yang digunakan adalah regresi linear sederhana.Data yang digunakan adalah data primer yang diperoleh melalui kuesioner menggunakan penelitian lapangan dengan jumlah responden sebanyak 50 responden. Populasi dalam penelitian ini yaitu nasabah PT. Bank Pembiayaan Rakyat Syariah Ampek Angkek Candung Cabang Simpang Empat Pasaman Barat. Teknik pengumpulan data dilakukan dengan penelitian lapangan ( kuesioner dan studi kepustakaan).Hasil dari penelitian ini menunjukkan bahwa kredit macet berpengaruh positif terhadap kinerja keuangan. Hal ini terbukti bahwa dari besarnya koefisien determinasi sebesar 0.009 menunjukkan kontribusi kredit macet terhadap kinerja keuangan. Dengan menggunakan tariff signifikan 5% diperoleh nilai fhitungsebesar 0.442 dengan signifikan sebesar 0.509. maka Ho di tolak dan Ha diterima, jadi kredit macet berpengaruh positif terhadap kinerja keuangan.
PENGARUH MOTIVASI MENGHINDARI RIBA DAN PENGETAHUAN PRODUK PERBANKAN SYARI’AH TERHADAP KEPUTUSAN NASABAH DI BANK SYARI’AH INDONESIA KCP. PADANG ULAK KARANG Aditya S, Primus; Budiman, Fajar; Eriawati, Yossi
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 1 (2023): Jurnal At Tasyr'i : Januari-Juni 2023
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v6i1.235

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh motivasi menghindari riba dan pengetahuan produk perbankan syari’ah terhadap keputusan nasabah. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan deskriptif kuantitatif. Jumlah sampel yang digunakan adalah 100 dari 1.332 Nasabah pada Bank Syari’ah Indonesia KCP. Padang Ulak Karang. Teknik pengumpulan data penelitian melalui kuesioner dengan menggunakan skala likert. Teknik analisis data pada penelitian ini adalah analisis regresi linear berganda. Hasil dari penelitian ini menunjukkan bahwa motivasi menghindari riba dan pengetahuan produk perbankan syari’ah berpengaruh positif dan signifikan terhadap keputusan nasabah pada Bank Syari’ah Indonesia KCP. Padang Ulak Karang.
ANALISIS KELAYAKAN NASABAH DALAM PEMINJAMAN DI BPR OPHIR UJUNG GADING PASAMAN BARAT Nurhayati, Nurhayati; Eriawati, Yossi; Oki Nofendra, Feri
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v6i2.316

Abstract

This study departs from the problems that occur in banking in terms of lending caused by several factors including, bank management in conducting inaccurate loan analysis, weak loan financing supervision, inaccurate financial analysis and weak competence of human resources. The purpose of this study is to determine how the feasibility analysis of customers in lending at BPR Ophir Ujung Gading West Pasaman. This study uses a qualitative approach. The type of research used in this research is field research or field studies. The data obtained from this study are primary data and secondary data obtained from the BPR Ophir Ujung Gading Pasaman Barat. And technical data analysis using field research or observation (field research), interviews and Documentation Studies.
ANALYSIS OF FACTORS AFFECTING THE INCOME OF TRADERS AT UJUNG GADING MARKET: ANALYSIS OF FACTORS AFFECTING THE INCOME OF TRADERS AT UJUNG GADING MARKET al fajri, Fajri; Eriawati, Yossi; Susanti, Novi
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v6i2.318

Abstract

The researcher started this study after noticing that, as of late, the coronavirus outbreak and internet retailers (Ol-Shop), the income of vendors at Ujung Gading Market has been erratic. Because of this volatility, fewer buyers and more competition have resulted in lower sales for many dealers. Therefore, the researcher's goal is to find out if the capital, length of business operation, and trader education level variables have an impact on traders' income at Ujung Gading Market. With primary data gathered via surveys, this study used a quantitative methodology. 603 traders make up the study's population, and 216 respondents were chosen at random for the sample using the simple random sampling method. Multiple linear regression analysis approaches were used in SPSS version 25 to process the acquired data. The study's findings suggest that traders' income is influenced by the capital variable to some extent. The t-significance value of 0.000 < 5% in the SPSS report supports this. A t-significance value of 0.001 < 5% suggests that the Length of business operation variable also has a partial impact on traders' income. An SPSS output with a t-significance value of 0.003 < 5% indicates that the education variable also has a partial impact on traders' income. The findings also indicate that the revenue of traders at Ujung Gading Market is influenced simultaneously by capital, length of business operation, and education.The fact that the F-count value of 34.481 > the F-table value of 2.647 and the F-significance value of 0.000 < 5% support this. As a result, H0 is disproved and hypothesis Ha is approved. This clarifies why capital (X1), length of business operation (X2), and education (X3) all affect income concurrently and to a strength of 32.8%. Keywords : the income; traders; capital; Length of business operation; education
PENGARUH AKSES MODAL DARI LEMBAGA KEUANGAN DAN PRODUKTIVITAS LAHAN TERHADAP PENDAPATAN PETANI KELAPA SAWIT NAGARI OPHIR KECAMATAN LUHAK NAN DUO KABUPATEN PASAMAN BARAT Kurnia, Wahyu; Budiman, Fajar; Eriawati, Yossi; Raihani, Hulfa; Nofendra, Feri Oki
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v6i2.322

Abstract

This research uses a descriptive quantitative approach. The population in this study were oil palm farmers in Nagari Ophir. The number of salt farmers in Nagari Ophir is 120 palm oil farmers. Sampling was carried out using a random sampling method with a total of 92 oil palm farmers as respondents. The data results were processed using SPSS 16 tools to carry out research instrument tests, validity tests, reliability tests, classical assumption tests, multiple linear regression analysis tests, determination tests (R2), t tests and f tests. The conclusion of this research is that based on the results of the hypothesis test carried out, it can be concluded that the variable access to capital has a positive and significant effect on the income of the people of Nagari Ophir, which is shown in the hypothesis t test with t-count (3,370) > t table (1,986) and sign value (0.01 < 0.05). Based on the results of the hypothesis test carried out, it can be concluded that the productivity variable has a significant positive effect on the income of the people of Nagari Ophir, which is shown in the hypothesis t test with a calculated t-value (3,484) > t-table (1,986) and a sign value (0.01 < 0.05). Based on the results of the hypothesis test carried out, it can be concluded that the variables Access to capital and productivity simultaneously (together) influence the income of the people of Nagari Ophir which can be seen from the results of the F test with the value of F-count (14.140) > F-table (2.71) and sign value (0.000 < 0.05).
THE INFLUENCE OF MARKETING MIX ON CUSTOMER SAVING DECISIONS AT BPRS AMPEK ANGKEK CANDUNG WEST PASAMAN BRANCH Ningsih, Vivi Kurnia; Budiman, Fajar; Eriawati, Yossi
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 3 No. 1 (2023): NOVEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v3i1.797

Abstract

The evolution of Islamic financial institutions and the intensifying competition between Islamic and conventional financial entities in garnering public interest for savings and fundraising, it is foreseeable that Islamic financial institutions might encounter challenges. These challenges are intrinsic to the intricate processes of creating, conveying, and delivering value to customers, as well as effectively managing customer relationships for mutual organizational and stakeholder benefits. The objective of this research is to ascertain the impact of the marketing mix on the decision-making process regarding savings at BPRS Ampek Angkek Candung West Pasaman Barat. Employing a quantitative approach along with statistical methodologies, this study investigates the interplay between the Marketing Mix (X) and Customer Decisions (Y), with 96 respondents participating. The outcomes of the hypothesis testing reveal a significance value of 0.017, which is lower than the predefined significance level (α) of 0.05 (0.017 < 0.05). This statistical finding substantiates the existence of a substantial relationship between the marketing mix and the choice to save at BPR Syariah Ampek Angkek Candung West Pasaman Barat. Consequently, it can be inferred that the marketing mix significantly contributes to the decision-making process regarding savings. This research underscores the pivotal role of strategic marketing practices in influencing customers' decisions to engage in savings activities within the context of Islamic financial institutions.
Peranan Objek Wisata dalam Peningkatan Kesejahteraan Masyarakat: (Studi Kasus Objek Wisata Pohon Seribu, Sasak Ranah Pasisie) Dewi Novita Sari; Yossi Eriawati; Fawza Rahmat
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 4 (2024): Oktober : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v3i4.3033

Abstract

This study aims to determine the process of developing the Pohon Seribu tourist attraction, and to determine the economic welfare of the community as business actors around the tourist attraction whether it is affected by the development of the Pohon Seribu tourist attraction in Kejorongan Pondok Sasak Ranah Pasisie District. This research uses qualitative methods by using data collection techniques through interviews, observation, and documentation. Qualitative method is a method that focuses on in-depth observation, therefore, the use of qualitative methods in research can produce a more comprehensive study of a phenomenon. The result of this research is that the development of Pohon Seribu tourist attraction has an impact on the economic welfare of the community around the tourist attraction. In the economic field, there is an increase in the livelihood of the surrounding community, there is a shift in livelihoods. As a result of the tourist attraction, the income received by the community has increased compared to before the tourist attraction. In addition to the economic field such as socio-culture, with the location of tourist attractions making the surrounding community to continue to interact with tourists who visit, this has an impact on improving the welfare of the community is a change in the mindset of the community for the better. Pohon Seribu tourist attraction results in changes in behaviour and better language style.
THE INFLUENCE OF THE ROLE OF KSU GAPOKTAN ALBASIKO II ON THE INCREASE OF COOPERATIVE MEMBERS' INCOME: (Case Study of Simpang Tiga Bedeng, Luhak Nan Duo) Saputri, Febria Anggie; Eriawati, Yossi; Rahmat, Fawza
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 3 No. 1 (2023): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v3i1.803

Abstract

This study was conducted at the Cooperative of Multiple Enterprises (KSU) GAPOKTAN ALBASIKO II Branch in Simpag Tiga Bedeng, Luhak Nan Duo. The research aims to determine whether the variable of cooperative role influences financial performance. It is quantitative research employing data gathered through interviews, questionnaire distribution, and observation. The data analysis technique employed is simple linear regression. The study employed primary data obtained through a questionnaire administered in field research setting with a total of 50 respondents. The population for this research comprised the members of the Cooperative of Multiple Enterprises (KSU) GAPOKTAN ALBASIKO II. Data collection was conducted using field research methods (questionnaires and literature review). The results of this study indicate that the cooperative's role does not influence member income. This is evident from the coefficient of determination of 0.193, signifying the contribution of the cooperative's role to member income. With a significance level of 5%, the calculated F value is 1.848, with a significance level of 0.180, leading to the rejection of the null hypothesis (HO) and acceptance of the alternative hypothesis (Ha). Thus, the cooperative's role does not affect member income.
Co-Authors Aditya S, Primus al fajri, Fajri Bundo, Mayang Desi Wulandari, Desi Dewi Manda Angraini Dewi Manda Angraini DEWI NOVITA SARI Efendi, Faisal Elfadhli Elfadhli, Elfadhli Fajar Budiman Fajar Budiman, Fajar Fawza Rahmat Fawza Rahmat Fawza Rahmat Febria Anggie Saputri Hayati Hayati Idris Idris Ikhsan Dwi Abadi Kurnia, Wahyu Lasman Azis Maisarah Leli Maisarah Leli Manik Santia Mardiana Mardiana Muhammad Fauzi Ningsih, Vivi Kurnia Nini Azelvi Nofendra, Feri Oki Novi Susanti Novi Susanti Novialdi Novialdi Nurhayati Nurhayati Octavia, Nofriani Oki Nofendra, Feri Rahmat, Fawza Raihani, Hulfa Saputri, Febria Anggie Sari, Reci Puspita Silva Nabila Putri Siti Fadilah Syamsul Amar B Syofrianisda Syofrianisda Syofrianisda Syofrianisda, Syofrianisda Tasya Andria Nella Taupik Hidayat, Taupik Yunisa Rahma