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Financing Process Analysis of Bank Nagari Syariah and BPRS in West Sumatra: Precautionary Principle Implementation Yenti, Fitri; Wahyuni, Elmiliyani; Shabri, Husni
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14458

This study aims to analyze the financing implementation process at Bank Nagari Syariah and Sharia Rural Banks (BPRS) in West Sumatra, focusing on the application of the precautionary principle. This research employs a descriptive qualitative method, with data collected through in-depth interviews, document analysis, and direct observation of eight BPRS: PT BPRS Mentari Saiyo, PT BPRS Haji Miskin, PT BPRS Carana Kiat Andalas Bukittinggi, PT BPRS Ampek Angkek Canduang, PT BPRS Almakmur Payakumbuh, PT BPRS Sungai Puar Syariah, PT BPRS Barakah Nawaitul Ikhlas Solok, and PT BPRS Gajah Nan Tongga Sawah Lunto. The data were analyzed thematically, focusing on the implementation of the 6C and 5C assessment methods. The findings reveal that Bank Nagari Syariah and BPRS consistently apply the precautionary principle to mitigate the risk of default. This study implies the need to strengthen risk assessment systems based on sharia principles to improve financing asset quality and enhance customer trust in sharia banking

Financing Process Analysis of Bank Nagari Syariah and BPRS in West Sumatra: Precautionary Principle Implementation Yenti, Fitri; Wahyuni, Elmiliyani; Shabri, Husni
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14458

This study aims to analyze the financing implementation process at Bank Nagari Syariah and Sharia Rural Banks (BPRS) in West Sumatra, focusing on the application of the precautionary principle. This research employs a descriptive qualitative method, with data collected through in-depth interviews, document analysis, and direct observation of eight BPRS: PT BPRS Mentari Saiyo, PT BPRS Haji Miskin, PT BPRS Carana Kiat Andalas Bukittinggi, PT BPRS Ampek Angkek Canduang, PT BPRS Almakmur Payakumbuh, PT BPRS Sungai Puar Syariah, PT BPRS Barakah Nawaitul Ikhlas Solok, and PT BPRS Gajah Nan Tongga Sawah Lunto. The data were analyzed thematically, focusing on the implementation of the 6C and 5C assessment methods. The findings reveal that Bank Nagari Syariah and BPRS consistently apply the precautionary principle to mitigate the risk of default. This study implies the need to strengthen risk assessment systems based on sharia principles to improve financing asset quality and enhance customer trust in sharia banking

Pengaruh Alokasi Dana Desa Terhadap Kesejahteraan Masyarakat Desa Nagari Batipuah Ateh, Kecamatan Batipuh Rahim, Febria; Febriyanti, Siska; Candra, Revi; Rahmi, Dhiah Ul; Yenti, Fitri
Jurnal Salingka Nagari Vol 4 No 1 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jsn.v4i1.230

This study aims to examine the impact of village fund allocation on various aspects of community welfare in Nagari Batipuh Ateh, Batipuh District. The research employed a field study with a quantitative approach. Population consisted of 1,423 families in Nagari Batipuh Ateh, Batipuh District. A sample of 93 respondents was selected using the Slovin formula and stratified random sampling technique. Data were collected through questionnaires and documentation. The data were analyzed using statistical tests with SPSS version 26. The results indicate that village fund allocation has a significant impact on various aspects of community welfare, including income, housing and public facilities, health, education, and transportation in Nagari Batipuh Ateh. Therefore, it can be concluded that the four hypotheses are accepted, confirming that village fund allocation positively influences the overall welfare of the community.

Pengaruh Pengetahuan Mahasiswa tentang Investasi terhadap Minat Mahasiswa Berinvestasi pada Galeri Investasi Syariah IAIN Batusangkar Yenti, Fitri; Azzara, Shely
Al-bank: Journal of Islamic Banking and Finance Vol 1 No 1 (2021): January - June 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i1.2556

Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan mahasiswa tentang investasi terhadap minat mahasiswa berinvestasi pada galeri investasi syariah IAIN Batusangkar. Masalah dalam penelitian ini adalah mahasiswa angkatan 2016 khususnya mahasiswa jurusan perbankan syariah, jurusan ekonomi syariah dengan konsentrasi manajemen syariah dan akuntansi syariah yang membuka rekening IPOT GIS IAIN Batusangkar jumlahnya sedikit dibandingkan jumlah keseluruhan mahasiswa angkatan 2016 dengan jurusan perbankan syariah, jurusan ekonomi syariah dengan konsentrasi manajemen syariah dan akuntansi syariah. Metode penelitian┬á adalah┬á kuantitatif.┬á Populasi┬á dalam┬á penelitian┬á ini adalah mahasiswa Fakultas Ekonomi dan Bisnis Islam, yang telah mempelajari mata kuliah tentang investasi dan pasar modal. Sampel dalam penelitian ini adalah sebanyak 81 Mahasiswa. Pengumpulan data pada penelitian ini menggunakan metode kuesioner. Uji coba instrumen dianalisis┬á dengan┬á menggunakan┬á uji┬á validitas┬á dan┬á uji┬á reliabilitas.┬á Teknik┬á analisis┬á data┬á yang digunakan dalam penelitian ini adalah uji normalitas, uji linearitas, uji korelasi, uji koefisien determinasi, uji t, dan analisis regresi linier sederhana. Hasil penelitian ini menunjukkan bahwa: Pengetahuan mahasiswa tentang investasi berpengaruh terhadap minat berinvestasi pada galeri investasi syariah IAIN Batusangkar dibuktikan dengan nilai t┬á sebesar┬á 0,000 < 0,1. Variabel Independen secara bersamaÔÇôsama mempengaruhi variabel dependen sebesar 44,6% sisanya sebesar 55,4% dipengaruhi oleh variabel lainnya.

Financing Process Analysis of Bank Nagari Syariah and BPRS in West Sumatra: Precautionary Principle Implementation Yenti, Fitri; Wahyuni, Elmiliyani; Shabri, Husni
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14458

This study aims to analyze the financing implementation process at Bank Nagari Syariah and Sharia Rural Banks (BPRS) in West Sumatra, focusing on the application of the precautionary principle. This research employs a descriptive qualitative method, with data collected through in-depth interviews, document analysis, and direct observation of eight BPRS: PT BPRS Mentari Saiyo, PT BPRS Haji Miskin, PT BPRS Carana Kiat Andalas Bukittinggi, PT BPRS Ampek Angkek Canduang, PT BPRS Almakmur Payakumbuh, PT BPRS Sungai Puar Syariah, PT BPRS Barakah Nawaitul Ikhlas Solok, and PT BPRS Gajah Nan Tongga Sawah Lunto. The data were analyzed thematically, focusing on the implementation of the 6C and 5C assessment methods. The findings reveal that Bank Nagari Syariah and BPRS consistently apply the precautionary principle to mitigate the risk of default. This study implies the need to strengthen risk assessment systems based on sharia principles to improve financing asset quality and enhance customer trust in sharia banking

Pengaruh Literasi Keuangan, Risk Tolerance, Dan Experienced Regret Terhadap Pemilihan Jenis Investasi Keuangan Syariah Pada Generasi Millenial Wahyuni, Elmiliyani; Yenti, Fitri; rizal, Rizal; Gustomi, Asrul
Al-bank: Journal of Islamic Banking and Finance Vol 4 No 1 (2024): January - June 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i1.10911

The purpose of this study was to examine the effect of financial literacy, risk tolerance and experienced regret on the selection of types of Islamic financial investments in the millennial generation in Indonesia. This study used purposive sampling and convenience sampling there were 8,483,213 respondents and sampling using the Slovin formula with an error rate of 10% which obtained a sample of 100 respondents. The analysis technique uses multiple lieniar regression. The results showed that financial literacy affects the selection of Islamic financial investment types, while Risk Tolerance has no effect on the selection of Islamic financial investment types, and experienced regret has a positive and significant effect on the selection of Islamic investment types, and simultaneously the influence of financial literacy, Risk Tolerance and experienced regret affects the selection of Islamic investment types..┬á┬á

Strategi PT. BPR Balerong Bunta dalam Percepatan Konversi ke BPR Syariah Yenti, Fitri; Rahmadanti, Yani; Awaluddin, Awaluddin
Al-bank: Journal of Islamic Banking and Finance Vol 3 No 1 (2023): January - June 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.8007

The research aims to find out the strategies carried out by PT BPR Balerong Bunta in the process of accelerating the conversion from conventional banks to Islamic banks. This type of research is field research with a qualitative descriptive approach. Data analysis techniques are carried out through data collection by interview, data reduction, data display and conclusion drawing. The results showed that the strategy carried out by PT. BPR Balerong Bunta in accelerating the conversion was to form a special team named the conversion team, conduct a comparative study, make a conversion business feasibility study, coordinate directly with prospective Sharia Supervisory Board and the board of commissioners, as well as conduct weekly meetings, complete the conversion requirements regulated by the Financial Services Authority, prepare core banking IT, conduct training and development of directors and employees

Ekonomi Islam sebagai Paradigma Transformatif: Pendekatan Interdisipliner dan Multidisipliner Yenti, Fitri; Hospi Burda; Jasri Waldi
Imara: Jurnal Riset Ekonomi Islam Vol. 9 No. 2 (2025): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v9i2.16165

Background. This study is motivated by growing concerns over the limitations of contemporary economic systems in addressing global challenges such as social inequality, moral degradation in economic practices, environmental crises, and weak institutional governance. Purpose. The purpose of this study is to explore how Islamic economics can critically respond to global challenges, including social inequality, the moral crisis of capitalism, environmental degradation, and weaknesses in institutional governance. Method. The study employs a qualitative–conceptual methodology based on library research, drawing on critical analyses of classical and contemporary literature in Islamic economics, sociology, psychology, law, philosophy, political economy, environmental studies, and history. Data are analyzed using a descriptive–analytical method with an emphasis on epistemological and conceptual frameworks.. Results. The results demonstrate that an interdisciplinary approach enables Islamic economics to move beyond a narrow normative–legal orientation toward a more comprehensive framework that integrates ethical values, empirical analysis, and context-sensitive policy considerations. Conclusion. The findings also indicate that maqāṣid al-sharīʿah functions not merely as a normative reference but as a critical evaluative instrument for aligning economic practices with broader objectives of justice, sustainability, and human well-being. In conclusion, Islamic economics emerges as a holistic and transformative paradigm capable of offering ethically grounded and sustainable solutions to contemporary global economic challenges, provided it is supported by methodological rigor and institutional coherence

The Legal Pluralism Dilemma in Ulayat Land Certification: The Crisis of Communal Ownership in Minangkabau Burda, Hospi; Hidayat, Rahmad; Yenti, Fitri; Hamdanil, Hamdanil; Atril, Zul
Madania: Jurnal Kajian Keislaman Vol 29, No 2 (2025): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v29i2.8630

This article aims to conceptually analyze the dilemma of legal pluralism in the implementation of land certification policies and their impact on the existence of ulayat (communal) land in Minangkabau, which has historically been communal, matrilineally inherited, and governed through a customary legal system. Amid the state’s agrarian legal modernization, a significant research gap remains concerning how certification policies—centered on individualized land ownership—affect the communal ownership structure, social function of customary law, and the spiritual values of indigenous communities. This research employs a library-based method with an interdisciplinary approach, combining perspectives from customary law, national agrarian law, and Islamic law, specifically through the lenses of legal pluralism and maqâṣid al-syarîʿah. The findings indicate that certifying ulayat land under individual ownership not only weakens the authority of ninik mamak (customary leaders) as custodians of communal land but also degrades customary identity and accelerates the fragmentation of ownership into private holdings. Furthermore, no established legal model has been found capable of safeguarding communal land rights within Indonesia's current legal system. This study offers a responsive and contextual legal harmonization framework by integrating customary law recognition into land administration mechanisms and reinforcing the principle of al-milkiyyah al-musytarakah within the maqâṣid al-syarîʿah paradigm to preserve ulayat land amidst growing agrarian liberalization.Artikel ini bertujuan untuk menganalisis secara konseptual dilema pluralisme hukum yang muncul dalam implementasi kebijakan sertifikasi tanah terhadap eksistensi tanah ulayat Minangkabau yang secara historis bersifat komunal, diwariskan secara matrilineal, dan diatur melalui sistem hukum adat. Di tengah upaya modernisasi hukum agraria nasional, masih terdapat kesenjangan kajian terkait bagaimana kebijakan sertifikasi yang berorientasi pada individualisasi hak berdampak terhadap struktur kepemilikan kolektif, fungsi sosial adat, dan nilai-nilai spiritualitas masyarakat adat. Penelitian ini merupakan studi kepustakaan (library research) dengan pendekatan interdisipliner, menggabungkan perspektif hukum adat, hukum agraria nasional, dan hukum Islam, khususnya melalui lensa teori pluralisme hukum dan maqâṣid al-syarîʿah. Hasil kajian menunjukkan bahwa sertifikasi tanah ulayat atas nama individu tidak hanya melemahkan kewenangan ninik mamak sebagai pengelola tanah komunal, tetapi juga berpotensi mendegradasi identitas adat dan mempercepat fragmentasi kepemilikan yang bersifat privat. Selain itu, ditemukan bahwa tidak terdapat model hukum baku yang mampu menjamin keberlanjutan hak komunal dalam sistem hukum nasional. Artikel ini menawarkan sebuah formulasi harmonisasi hukum yang responsif dan kontekstual melalui integrasi pengakuan hukum adat dalam administrasi pertanahan, serta penguatan nilai al-milkiyyah al-musytarakah dalam kerangka maqâṣid al-syarîʿah, untuk menjaga keberlangsungan tanah ulayat di tengah liberalisasi agraria.

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