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All Journal Jurnal Mirai Management JURNAL PENDIDIKAN TAMBUSAI Jurnal Ekonomi Islamic Business and Finance (IBF) MABIS: Jurnal Manajemen Bisnis Syariah ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Manajemen Bisnis Syariah Journal of Management
Fauzan, Rusydi
IAIN Bukittinggi
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Dampak Pembiayaan Mudharabah Pada Perkembangan UMKM Nasabah BSI KCP Lubuk Sikaping Putri, Febri Fadilla; Fauzan, Rusydi
ISLAMIC BUSINESS and FINANCE Vol 6, No 2 (2025): ISLAMIC BUSINESS AND FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i2.25345

Abstract

The author's background in raising this title is because the author sees the problem faced by UMKM actors, namely the lack of financing in meeting capital needs so that they can develop their business, so in this case Bank Syariah Indonesia KCP Lubuk Sikaping is expected to carry out its role in helping customers meet their needs. capital through the provision of easy and fast financing. The research method used in this study is quantitative with the variable mudharabah financing (X) and the UMKM development variable (Y). The data used are secondary data and primary data. The sample studied was 100 respondents, using the Slovin formula. Data collection techniques used observation techniques with instruments such as stationery to obtain data and survey techniques with research instruments using a Likert scale, the data analysis method used was (1) Research Instrument Test conducted using Validity Test, Reliability Test, (2) data analysis techniques using the Normality Test, Simple Linear Regression Analysis, t-test (partial), and the Coefficient of Determination (R Square). The results of this study conclude that Mudharabah Financing has a significant influence on the Development of UMKMs at the BSI KCP Lubuk Sikaping as evidenced by the results of a simple linear regression Y = 7.757+0.515X+ei where this figure shows a positive value. Based on the results of the t test, it is known that the significance value is 0.000, less than the value
Persepi Petani terhadap Perbankan Syariah di Nagari Pandai Sikek Rizky, Muhammad Farel; Fauzan, Rusydi; Rahman, Ali; Joni , Yefri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7003

Abstract

Penelitian ini dilatar belakangi oleh banyaknya petani lebih memilih meminjam ke bank konvensional atau melalui sistem tradisional karena keterbatasan informasi, minimnya pemahaman tentang akad syariah, serta persepsi yang beragam terhadap perbankan syariah. Penelitian ini bertujuan untuk menganalisis persepsi petani di Nagari Pandai Sikek terhadap perbankan syariah serta faktor-faktor yang memengaruhinya. Metode yang digunakan adalah kualitatif deskriptif dengan pendekatan lapangan (field research). Metode ini dipilih karena memungkinkan peneliti untuk memahami secara mendalam persepsi, pandangan, dan pengalaman petani terhadap perbankan syariah berdasarkan kondisi nyata di lapangan. Pendekatan ini menekankan pada makna di balik perilaku dan pendapat petani, bukan sekadar angka atau statistik. Data diperoleh melalui wawancara, observasi, dan dokumentasi terhadap 40 informan dari empat jorong. Hasil penelitian menunjukkan bahwa persepsi petani terhadap perbankan syariah masih beragam dan belum sepenuhnya positif. Dari total 360 jawaban responden, diperoleh 34,17% positif (123 jawaban), 29,17% netral (105 jawaban), dan 36,66% negatif (132 jawaban). Persepsi negatif tertinggi terdapat pada variabel nilai (44,16%), karena petani menilai sistem syariah tidak jauh berbeda dengan konvensional akibat cicilan yang berat dan prosedur rumit. Pada variabel informasi, persepsi negatif mencapai 35% akibat minimnya sosialisasi dan literasi keuangan syariah. Sementara itu, variabel pendidikan menunjukkan persepsi positif tertinggi sebesar 36,67%, karena pendidikan dan pengetahuan agama membantu petani memahami prinsip perbankan syariah. Penelitian ini menyimpulkan bahwa perbankan syariah perlu meningkatkan sosialisasi, edukasi, serta inovasi produk agar lebih relevan dengan kebutuhan petani di pedesaan.
Analisis Minat Menabung di Bank Syariah pada Masyarakat Jorong Lubuk Juangan Marlina, Nelpa; Fauzan, Rusydi; Rahman, Ali; Joni , Yefri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7066

Abstract

Penelitian ini bertujuan untuk menganalisis minat masyarakat dalam menabung di bank syariah dengan  di Jorong Lubuk Juangan, Nagari Aua Serumpun, Kecamatan Sungai Aua, Kabupaten Pasaman Barat. Penelitian ini dilatarbelakangi oleh masih rendahnya tingkat pemahaman masyarakat terhadap konsep dan produk perbankan syariah serta kecenderungan masyarakat yang masih menggunakan layanan bank konvensional dalam kegiatan transaksi keuangan. Kondisi tersebut menunjukkan bahwa keberadaan bank syariah belum sepenuhnya dikenal dan dimanfaatkan oleh masyarakat secara optimal. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Analisis penelitian difokuskan pada tiga indikator minat menabung, yaitu perhatian, ketertarikan, dan keinginan masyarakat terhadap layanan perbankan syariah. Hasil penelitian menunjukkan bahwa minat masyarakat untuk menabung di bank syariah masih tergolong rendah. Pada indikator perhatian, sebesar 46,67% responden berada pada kategori rendah, 37,78% pada kategori sedang, dan 15,56% pada kategori tinggi. Pada indikator ketertarikan, sebesar 44,45% responden berada pada kategori rendah, 41,12% pada kategori sedang, dan 14,44% pada kategori tinggi. Sementara itu, pada indikator keinginan, sebesar 48,89% responden berada pada kategori rendah, 46,67% pada kategori sedang, dan 4,43% pada kategori tinggi. Temuan penelitian ini menunjukkan bahwa rendahnya minat masyarakat dipengaruhi oleh kurangnya pemahaman mengenai prinsip dan produk bank syariah, terbatasnya akses terhadap layanan perbankan syariah, serta minimnya sosialisasi dari pihak lembaga keuangan syariah. Oleh karena itu, diperlukan peningkatan literasi keuangan syariah, perluasan akses layanan, serta sosialisasi yang lebih intensif guna meningkatkan minat masyarakat untuk menabung di bank syariah.
Analisis Pengendalian Persedian Kelapa Pada UD. Santan Pak Firman di Pasar Modern Kota Selatpanjang Ursaly, Rahma Afira Bijriliani; Fauzan, Rusydi
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7770

Abstract

Pengendalian persediaan bahan baku merupakan aspek penting dalam menjaga kelancaran proses produksi serta efisiensi biaya usaha. UD. Santan Pak Firman sebagai salah satu usaha pengelolaan santan kelapa di pasar modern kota selatpanjang masih menghadapi permasalahan fluktuasi persediaan bahan baku kelapa yang menyebabkan terjadinya kelebihan dan kekurangan stok pada priode tertentu. Kondisi tersebut berdampak pada kelancaran produksi tersebut berdampak pada kelancaran produksi serta peningkatan biaya persediaan. Oleh karena itu, penelitian ini bertujuan untuk menganalisis sistem pengendalian persediaan bahan baku kelapa serta menentukan jumlah pemesanan yang optimal pada UD. Santan Pak Firman. Penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif. Data diperoleh melalui observasi langsung, wawancara dengan pemilik usaha serta data persediaan dan biaya yang dikeluarkan selama priode September 2024 hingga Agustus 2025. Metode analisis yang digunakan meliputi Economic Order Quantity (EOQ), Safety Stock (SS), Reorder Point (ROP), Total Inventory Cost (TIC) untuk mengevaluasi efektivitas pengendalian persediaan bahan baku kelapa. Hasil penelitian menunjukkan bahwa pengendalian persediaan bahan baku kelapa pada UD. Santan Pak Firman masil dilakukan secara konvensional melalui pemesanan harian berdasarkan perkiraan kebutuhan, sehingga frekuensi pemesanan tinggi dan biaya persediaan relatif besar. Analisis menggunakan metode EOQ menunjukkan jumlah pemesanan optimal sebesar 207 butir per pemesanan, dengan Safety Stock sebesar 704 butir dan ROP sebesar 837 butir. Penerapan metode EOQ, Safety Stock dan ROP terbukti mampu menekan total biaya persediaan, mengurangi resiko jejurangan dan kelebihan stok, serta meningkatkan efisiensi pengelolaan bahan baku. Hasil ini menunjukkan bahwa pengendalian persediaan terencana dan berbasis perhitungan lebih efektif dibandingkan metode konfensional.
Analisis Upaya Petani dalam Meningkatkan Produktivitas Kelapa Sawit Berdasarkan Perspektif Bisnis Syariah di Nagari Kamang Baru Anggraini, Fadilla; Imamuddin, M.; Miswardi, Miswardi; Fauzan, Rusydi
ARZUSIN Vol 6 No 4 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10295

Abstract

Oil palm productivity has received attention in various studies, yet studies specifically discussing independent smallholders’ efforts to increase oil palm productivity from the perspective of sharia business remain limited. This study aims to analyze oil palm farmers’ efforts to increase productivity, identify the obstacles they face, and analyze farmers’ strategies for overcoming these obstacles based on the perspective of sharia business in Nagari Kamang Baru. This study used a qualitative approach with a case study design, involving independent oil palm farmers and farm laborers selected through purposive sampling. Data were collected through in-depth interviews, field observations, and documentation, then analyzed using the interactive analysis model of Miles, Huberman, and Saldaña through the stages of data reduction, data presentation, and conclusion drawing. The results show that efforts to increase productivity were carried out through land fertilization before planting, the use of superior seedlings, regular fertilization, plantation maintenance, and oil palm replanting. The main obstacles faced by farmers included environmental factors, seedling quality, labor availability, limited capital, and farm business management. In addition, cooperative practices among farmers, mutual assistance in the harvesting process, and efforts to maintain the sustainability of farm businesses reflect the application of sharia business values in oil palm agricultural management. This study contributes to the development of sharia agribusiness studies and expands understanding of the relationship between agricultural productivity and the application of sharia business principles in oil palm farm management. The implications of this study emphasize the importance of strengthening farmers’ capacity, sharia value-based cooperation, and sustainable farm business governance in increasing oil palm productivity.
Analisis Bauran Pemasaran Digital untuk Meningkatkan Penjualan pada Usaha Songket Aina di Kecamatan Silungkang Kota Sawahlunto Mardianti, Tessa; Fauzan, Rusydi
ARZUSIN Vol 6 No 3 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i3.9778

Abstract

The digital marketing mix in songket businesses has become a focus in various previous studies; however, research that specifically discusses the optimization of the 7P digital marketing mix in increasing sales at the Songket AINA Silungkang business remains limited. This study aims to analyze the implementation of the 7P digital marketing mix in increasing sales at the Songket AINA business in Silungkang Subdistrict, Sawahlunto City. This study employed a qualitative approach with a case study design, involving 11 participants selected through the purposive sampling technique. Data were collected through interviews, observation, and documentation and were then analyzed using interactive analysis techniques through the stages of data reduction, data presentation, and conclusion drawing. The results show that the product and place variables have high performance, whereas promotion, process, people, price, and physical evidence are in the low category, which affects sales fluctuations throughout 2024. These findings contribute to the development of studies on the 7P marketing mix in the digital context and broaden understanding of marketing strategies in locally culture-based MSMEs. The conclusion of the study emphasizes that the integration of all elements of the digital marketing mix is important for increasing sales more stably and sustainably. The practical implication is that business actors need to optimize digital promotion, improve human resource capacity, and enhance operational processes so that marketing strategies are more adaptive to market dynamics.
Analisis Penerapan Penyusunan Laporan Keuangan Organisasi Nirlaba berdasarkan ISAK Nomor 35 (Studi pada Masjid Taqwa Kampung Batas, Desa Cipang Kanan, Kecamatan Rokan IV Koto Kabupaten Rokan Hulu Tahun 2025) Desnita, Elza; Fauzan, Rusydi
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11876

Abstract

The implementation of Interpretation of Financial Accounting Standards (ISAK) No. 35 in nonprofit organizations has received considerable research attention, but studies examining its application to the preparation of mosque financial statements at the local level remain limited. This study aimed to analyze the preparation of financial statements based on ISAK No. 35 at Masjid Taqwa Kampung Batas, Cipang Kanan Village, Rokan IV Koto Subdistrict, Rokan Hulu Regency, in 2025. This study employed a qualitative approach with a case study design. The informants comprised the mosque’s chairperson, secretary, and treasurer, who were selected through purposive sampling. Data were collected through observation, interviews, and documentation and subsequently analyzed using an interactive analysis model comprising data reduction, data presentation, and conclusion drawing. The results showed that Masjid Taqwa’s financial statements were still prepared in a simple form consisting of records of cash inflows, cash outflows, and cash balances and therefore did not yet comply with the provisions of ISAK No. 35. Based on the available transaction data, these records could be reconstructed into a statement of financial position, statement of comprehensive income, statement of changes in net assets, statement of cash flows, and notes to the financial statements in accordance with the standard. These findings reinforce the importance of accountability in the management of nonprofit organizations and provide a practical contribution in the form of a financial statement preparation model based on ISAK No. 35 for mosque administrators. This study highlights the need to strengthen administrators’ competence in preparing standardized financial statements and opens opportunities for further research on nonprofit organizations with a broader scope.
Co-Authors Ana Faizah Anggraini, Fadilla Arief Syah Safrianto Conterius, Anastasia Wihelmin Stephanie Desnita, Elza Febrian, Andis Heny Herawati Hidayati, Rani Joni , Yefri Joni, Yefri M. Imamuddin Mardianti, Tessa Marlina, Nelpa Maulidal, Ilham Miswardi Miswardi, Miswardi Muhammad Rivai Putri, Febri Fadilla Rahman, Ali Rahmatika Rahmatika Reni Puspita Sari, Reni Puspita Rina Supryanita Rizky, Muhammad Farel Tungga Dewa, Dominica Maria Ratna Ursaly, Rahma Afira Bijriliani Yea ST, Maria Oce