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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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Pengaruh Non Performance Financing (NPF), Capitak Adequacy Rato (CAR), Pendapatan Operasional (BOPO), dan Return on Assets (ROA) terhadap (FDR) Studi Kuantitatif pada Bank Umum Syariah di Indonesia Periode 2019–2023 Hidayat, Taupik; Eriawati, Yossi; Budiman, Fajar
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 7 No. 2 (2024): Jurnal At Tasyri'i Juli Desember 2024
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v7i2.414

Abstract

ABSTRACT The Islamic banking industry in Indonesia has experienced rapid growth following the enactment of Law No. 21 of 2008, which provides a strong legal foundation for its operations. However, the sector still faces various challenges, including competition from conventional banks and economic instability. One important indicator for assessing the effectiveness of fund distribution is the Financing to Deposit Ratio (FDR), which reflects a bank’s ability to distribute financing based on the funds it has raised. This study aims to examine the impact of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses to Operating Income (BOPO), and Return on Assets (ROA) on FDR in Islamic Commercial Banks registered with the Financial Services Authority (OJK) during the period 2019–2023. The research employs a quantitative approach using secondary data obtained from the annual financial statements of five Islamic banks that meet purposive sampling criteria. Data analysis techniques include panel data regression with Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM) estimations. The findings show that NPF, CAR, and BOPO significantly affect FDR, while ROA has no significant impact. Simultaneously, these four variables collectively influence FDR. These findings offer valuable insights into the management of risk and operational efficiency in Islamic banks to improve financial stability and financing distribution capabilities. This study recommends that Islamic banks strengthen financing risk management and operational efficiency to enhance FDR and financial stability. Keywords: Non-Performing Financing, Capital Adequacy Ratio, Operating Expenses to Operating Income, Return on Assets, Financing to Deposit Ratio.
Pengaruh Budaya Organisasi terhadap Kinerja Karyawan di KSU Gapoktan Albasiko II Pasaman Barat Yunisa Rahma; Yossi Eriawati; Fawza Rahmat
Transformasi: Journal of Economics and Business Management Vol. 3 No. 4 (2024): Desember : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v3i4.2099

Abstract

This research is motivated by the low level of organisational culture on the performance of employees in KSU GAPOKTAN ALBASIKO II West Pasaman, a picture that organisational culture affects the performance of employees. In this study the researcher connects the problem of lack of awareness and stability of organisational cultural values and still not entirely run by employees, time discipline, innovation, attention to detail, results orientation, team orientation, stability, consistency, honesty, and safety. This study explains whether organisational culture has an effect on employee performance at KSU GAPOKTAN ALBASIKO II. The type of research used is quantitative research which is research with the aim of knowing how much influence the independent variable has on the dependent variable. The research approach used is survey research which is a category of research that aims to analyse the relationships between one variable and another. Primary data was obtained from distributing questionnaires. The population in this study were 53 people and a sample of 53 people. Data analysis and processing techniques using simple linear regression analysis, coefficient of determination (R2), simultaneous test (F test), classical assumption test and hypothesis testing with variables X Organisational Culture and Y Employee Performance. The results showed that there was a significant influence between organisational culture on employee performance.
Analisis Strategi Marketing PT Bank Perkreditan Rakyat (BPR) Swadaya Anak Nagari untuk Menarik Minat Menabung Masyarakat : (Studi Kasus: Bandarejo Dusun 1) Silva Nabila Putri; Novi Susanti; Yossi Eriawati
Transformasi: Journal of Economics and Business Management Vol. 3 No. 4 (2024): Desember : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v3i4.2220

Abstract

This study aims to analyze the marketing strategy of PT Bank Perkreditan Rakyat (BPR) Swadaya Anak Nagari in attracting people's interest in saving money in Bandarejo Hamlet 1, West Pasaman Regency. A qualitative approach was used through field method with interviews, observation, and documentation. Research results showed that PT BPR Swadaya Anak Nagari implements four main marketing strategies: product strategy, price, and documentation. four main marketing strategies: product, price, promotion, and location strategies. Featured products such as KMB Savings (Kacio Mingguan Bajapuik) offers a savings collection service from the customer's home, making it easier for customers to save. service from the customer's home, providing convenience for people who find it difficult to reach bank locations. reach the bank's location. Direct promotion strategy through personal communication is the main key to success, building a close relationship between customers and the bank. bank. The strategic location of the bank office also contributes to the ease of access services. However, interest in saving, especially among teenagers and young adults, still low due to limited facilities such as ATM cards and mobile banking services. banking services. This finding highlights the need for the development of digital innovations to increase product appeal and expand market share. Research concluded that promotional strategies dominate in increasing the number of customers, while adapting to technology needs is a challenge to encourage wider to encourage wider interest in saving. This research provides important insights important insights for the management of marketing strategies in the local banking sector.
Analisis Pengaruh Pengetahuan dan Status Sosial terhadap Persepsi Masyarakat pada Perbankan Syariah Sari, Reci Puspita; Budiman, Fajar; Eriawati, Yossi; Elfadhli, Elfadhli
Jurnal Pembangunan Nagari Vol 9 No 2 (2024)
Publisher : Badan Penelitian and Pengembangan (Balitbang), Padang, West Sumatra, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30559/jpn.v9i2.482

Abstract

Studi ini melihat bagaimana pengetahuan dan status sosial mempengaruhi cara masyarakat melihat perbankan syariah. Sejak tahun 1990-an, perbankan syariah di Indonesia telah berkembang pesat, tetapi orang masih jarang menggunakannya, terutama di daerah pedesaan dan kelompok berpenghasilan rendah. Sementara itu, persepsi masyarakat tentang bank syariah sangat memengaruhi keputusan mereka untuk menggunakan layanan ini. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis multiple linear regression, dan 177 orang berpatisipasi sebagai respoden penelitian. Disamping itu analisis deskriptif juga dilakukan untuk mengetahui persepsi masyarakat terhadap perbankan syariah. Hasil penelitian menunjukkan bahwa persepsi masyarakat tentang perbankan syariah secara signifikan dipengaruhi oleh status sosial mereka dan pengetahuan mereka tentang subjek tersebut. Orang-orang yang lebih berpengetahuan dan memiliki status sosial yang lebih baik cenderung memiliki persepsi yang lebih baik tentang perbankan syariah. Selain itu, perspektif masyarakat juga dipengaruhi oleh komponen risiko dan keuntungan. Penelitian ini menunjukkan bahwa peningkatan literasi keuangan dan pengembangan layanan perbankan syariah sangat penting untuk memperluas jangkauan dan meningkatkan kepercayaan masyarakat, terutama di kalangan masyarakat ekonomi bawah. Hasilnya memberikan rekomendasi untuk pengembangan kebijakan yang lebih responsif dan inklusif yang membantu pertumbuhan ekonomi yang lebih merata dan berkelanjutan.
Analisis Biaya Produksi dalam Peningkatan Penjualan: (Studi Kasus Industri Kecil Sultan Bakery di Bandarjo Dusun II, Kec. Pasaman, Kab. Pasaman Barat) Mardiana Mardiana; Yossi Eriawati; Novi Susanti
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 4 No. 1 (2025): Januari : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v4i1.3543

Abstract

This study aims to analyze production costs in increasing sales in the Sultan Bakery small industry in Bandarjo Dusun II, Kec.Pasaman, Kab.Pasaman Barat. The main focus of the research includes the relationship between production costs and selling prices, the effectiveness of production cost management on profit margins and increased sales, and factors that influence production costs in the context of market competitiveness. This research used a qualitative method with a descriptive approach, where data were obtained through observation, in-depth interviews, and documentation studies. The results showed that efficiency in managing production costs has a significant influence on the ability of businesses to set competitive selling prices. The main factors that support this efficiency include raw material management, labor optimization, and overhead cost control. In addition, the selection of quality raw materials and effective labor management help maintain cost stability without compromising product quality. This strategy not only maintains customer loyalty but also increases the competitiveness of the business in the local market. The increase in sales achieved by Sultan Bakery is consistently supported by planned cost management, production scale efficiency, and the application of modern technology. This study concludes that production cost efficiency plays an important role in supporting profit margins, increasing sales, and strengthening the competitiveness of small businesses in the local market.
Penyelesaian Pembiayaan Bermasalah Pada PT. Bank Nagari Cabang Simpang Empat Siti Fadilah; Fajar Budiman; Yossi Eriawati
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 2 No. 4 (2023): 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.v2i4.1562

Abstract

The background in this research is the problematic financing that occurred at PT. Bank Nagari Simpang Empat Branch. Not all of the financing provided to customers can be returned properly and does not bring the expected benefits. This study aims to see and analyze problem financing at PT. Bank Nagari Simpang Empat Branch. This study uses field research methods, the type of approach is qualitative. The data source for this research is the Leaders and Employees of PT. Bank Nagari, Simpang Empat Pasaman Barat Branch. The data collected in this study are primary data and secondary data. This primary data was obtained through interviews with informants, namely PT Bank Nagari Simpang Empat Branch. The results of the study show that in the steps taken by PT. Bank Nagari Simpang Empat Branch, when a customer is unable to pay a financing installment or when a financing problem occurs, the bank will give a warning letter 3 (three) times, if the customer has good faith and If you are able to pay arrears then it can be done with Restructuring. If the customer is unable to pay the arrears, the Bank will conduct a Collateral Auction. Basically non-performing financing is a risk that often occurs in the banking world. However, what is important in this problem is how the banking sector can overcome and resolve this so that unwanted things do not occur and do not harm the bank.
Strategi Pemasaran Produk Gadai Emas Pada PT. Pegadaian Simpang Empat Pasaman Barat Manik Santia; Fajar Budiman; Yossi Eriawati
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 2 No. 4 (2023): 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.v2i4.1563

Abstract

The background of this research is in Jorong Simpang Empat, Pasaman District, West Pasaman Regency. The main problem in this study is related to the Marketing Strategy for Pawn Gold Products at PT. Simpang Empat Pawnshop West Pasaman. Furthermore, the problem is divided into several formulations, namely: 1) What is the Marketing Strategy for Pawn Gold Products at PT. Pegadaian Simpang Empat Pasaman Barat, 2) What is the Strategy for Maintaining the Number of Customers at PT. West Pasaman Simpang Empat Pawnshop. This study aims to gain an understanding of how the marketing strategy for gold pawning products is theoretically or practically applied by PT. Pegadaian Simpang Empat West Pasaman and know more about how the development of gold pawning at PT. West Pasaman Simpang Empat Pawnshop. This study uses field research methods (field research), the type of approach is qualitative. The data sources for this research are the leaders and employees of PT. West Pasaman Simpang Empat Pawnshop. The data collected in this study are primary data and secondary data. This primary data was obtained through interviews with informants, namely PT. Pegadaian is the head of PT Pegadaian Simpang Empat, West Pasaman. The results showed that the strategy carried out by PT Pegadaian Simpang Empat Pasaman Barat in increasing the number of its customers was carried out with the 4P strategy, namely product strategy, price strategy, place strategy, and strategy in the field of promotion (promotion). While the strategy to maintain customer levels is carried out by providing good service, namely providing discounts or promos, providing excellent service, digital pawnshops, and extraordinary seminars.
Pengaruh Person Organization Fit Terhadap Kinerja Karyawan Wulandari, Desi; Budiman, Fajar; Eriawati, Yossi
Ikhtisar: Jurnal Pengetahuan Islam Vol 3 No 2 (2023): Ikhtisar: Jurnal Pengetahuan Islam
Publisher : Institut Agama Islam Sumatera Barat Pariaman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/ijpi.v3i2.351

Abstract

This research aims to find out whether Person Organization Fit has an effect on employee performance. The type of research used is quantitative research with a survey approach. The data used is primary data obtained from distributing questionnaires. There were 53 respondents who participated in this research. Data analysis and processing techniques use regression analysis, coefficient of determination (R2). From this research, the results obtained show that Person Organization Fit has an influence on employee performance. This is proven based on the results of the F test where the Fcount value > Ftable value where the Fcount value is 36.521 which is greater than Ftable 4.10, so it can be interpreted that there is an influence between Person Organization Fit on employee performance. And based on the calculation results of the coefficient of determination test (R2), it shows that the Rsquare value of the variation in the dependent variable which is influenced by the independent variable is 12%, while the remaining 88% is influenced by other factors outside this research.
STRATEGI PELESTARIAN GULA AREN SECARA TURUN – TEMURUN DI JORONG HARAPAN TINGGAM Novialdi Novialdi; Ikhsan Dwi Abadi; Yossi Eriawati
Jurnal Al-Karim : Jurnal Pendidikan, Psikologi dan Studi Islam Vol. 7 No. 2 (2022): Jurnal Al Karim : September 2022
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (261.35 KB) | DOI: 10.70820/staiyaptippasamanbarat.v7i2.54

Abstract

Industri kecil mempunyai peranan yang penting dalam penyerapan tenaga kerja,pemerataan pendapatan, dan meningkatkan kesejahteraan masyarakat. Industri kecilgula aren di Kejorongan Harapan Nagari Sinuruik Kecamatan Talamau, Masalah dalampenelitian ini adalah bagaimana strategi pengembangan industri kecil gula aren diKejorongan Harapan Nagari Sinuruik Kecamatan Talamau. Tujuan yang ingin di capaidalam penelitian ini adalah mengetahui bagaiman strategi pengembangan industri kecilgula aren di Kejorongan Harapan Nagari Sinuruik Kecamatan Talamau. Pengambilansampel dalam penelitian ini menggunakan metode accidental sampling dengan sampelterpilih sejumlah 2 responden. Analisis data dilakukan dengan menggunakananalisis matrik SWOT. Kesimpulan yang diperoleh berdasarkan analisis matrik SWOT,strategi yang dapat dilakukan untuk memberdayakan industri kecil gula aren diKejorongan Harapan Nagari Sinuruik Kecamatan Talamau adalah dengan strategikonsentrasi melalui integrasi horizontal. Artinya strategi yang diterapkan lebih defensif,yaitu menghindari kehilangan penjualan dan kehilangan profit yang disebabkan olehancaman-ancaman. Saran yang diberikan adalah dengan mempertahankan ciri khas citarasa produk dan meningkatkan kualitas produk dengan cara menciptakan inovasi dalampengemasan produk, penambahan jenis produk agar memiliki daya tarik yangtinggi agar tetap mampu bersaing dengan produk lain.
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