Garuda - Garba Rujukan Digital

PERSEPSI PELAKU USAHA MIKRO DALAM MEMILIH PRODUK MURABAHAH BANK ACEH SYARIAH DI KOTA LHOKSEUMAWE Musrizal, Musrizal; Mukhlis, Mukhlis; Nova, Nova; Zuhra, Fatimah
J-ISCAN: Journal of Islamic Accounting Research. Vol 2 No 2 (2020): ISCAN Vol. 2 No. 2 July-December 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v2i2.934

This study aims to determine the perceptions of micro-entrepreneurs towards Bank Aceh Syariah murabahah products in Lhokseumawe City. This research was conducted using quantitative descriptive research methods. The population is all micro business actors in the city of Lhokseumawe, amounting to 1,782. The sample in this study were 178 respondents. Primary data collection was carried out using a google form questionnaire which was distributed through the WhatsApp group covering four districts. The perception of business actors towards Murabahah Bank Aceh Syariah is good. This can be seen from the behavior of business actors / respondent behavior which is influenced by the faktor of education level, most of them are undergraduate, Islamic culture factors, experience factors and percentage of profit from the original price. A stimulus from knowledge will produce a perception as a feedback from the stimulus.The results of this study found that business actors use the services of aceh sharia bank with murabahah products based on the agreed profit margin which is lower than conventional bank interest. Keywords: Perception, Education, Experience, Culture, Murabaha. Abstrak Penelitian ini bertujuan untuk mengentahui persepsi pelaku usaha mikro terhadap produk murabahah Bank Aceh Syariah di Kota Lhokseumawe. Penelitian ini dilakukan dengan menggunakan metode penelitian deskriptif kuantitatif. Populasinya adalah seluruh pelaku usaha mikro Kota Lhokseumawe yang berjumlah 1.782. Sampel dalam penelitian ini adalah 178 responden. Pengumpulan data primer dilakukan dengan kuesioner google form yang disebarkan melalui group whatsapp yang meliputi empat kecamatan. Persepsi pelaku usaha terhadap Murabahah Bank Aceh Syariah adalah baik. Hal ini dapat terlihat dari perilaku pelaku usaha/ perilaku responden yang dipengaruhi oleh faktor tingkat pendidikan sebagian besar strata satu/ S1, faktor budaya islam, faktor pengalaman serta faktor persentase keuntungan dari harga asal. Stimulus dari pengetahuan akan menghasilkan persepsi sebagai umpan balik dari stimulus tersebut. Hasil penelitian ini menemukan bahwa pelaku usaha menggunakan jasa bank aceh syariah dengan produk murabahah tersebut berdasarkan margin keuntungan yang disepakati lebih rendah daripada bunga bank konvensional. Kata kunci: Persepsi, Pendidikan, Pengalaman, Budaya, Murabahah.

ANALISIS KEPUASAN PASIEN BERDASARKAN ASPEK PELAYANAN DAN KOMUNIKASI INTERPERSONAL (Studi Pada Pasien RSUD Datu Beru Takengon Kab. Aceh Tengah) Abqa, Rizkan; Konadi, Win; Musrizal, Musrizal
IndOmera Vol 4 No 8 (2023): indOmera, September 2023
Publisher : LPPM-UNIKI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55178/idm.v4i8.354

The research aims to analyze patient satisfaction at the Datu Beru Takengon Regional General Hospital (RSUD) to obtain empirical input regarding the influence of service quality factors and interpersonal communication carried out by medical and non-medical employees in caring for patients and patient families. The research was based on a survey of 50 samples of patients who had previously used hospital services, with an associative type and using a path analysis model. The results of the research show that (a) there is a causal relationship (associative) between service quality and interpersonal communication between medical and non-medical personnel at Datu Beru Takengon Regional Hospital with a strong category (0.845), (b) Service quality factors have a causal relationship (associative) has an impact on cause and effect (associative) relationships. positive towards patient satisfaction, with a direct and indirect contribution of 68.11%. And the interpersonal communication aspect of RSUD officers was 30.58%. (C). Simultaneously, the quality of service and interpersonal communication at RSUD Datu Beru Takengon contributed to patient satisfaction, namely 77.10%.

ANALISIS KEPUTUSAN BELANJA ONLINE TERHADAP PERILAKU KONSUMTIF MAHASISWA DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus Mahasiswa Fakultas Ekonomi Universitas Almuslim) Saryulis, Saryulis; Musrizal, Musrizal; Mukhlis, Mukhlis; Yanna, Sri
IndOmera Vol 4 No 7 (2023): indOmera, Maret 2023
Publisher : LPPM-UNIKI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55178/idm.v4i7.364

This study aims to analyze the relationship between purchasing decision variables and consumptive behavior of students at the Faculty of Economics, Almuslim University. Decision Variables have several instruments in the form of product, price, service and risk. And what is the Islamic view of the consumptive behavior of Almuslim University Faculty of Economics students in shopping online. The type of research used in this research is quantitative research. In this study the population was students of the Faculty of Economics, Almuslim University by taking a sample of 45 people as respondents. The data collection technique is through a questionnaire with a Likert scale that guarantees its validity and reliability. The statistical tool used is through multiple linear regression. The results of the study found a) there were only two significant variables, namely online purchasing decisions and product factors that had a positive relationship to consumptive behavior, b) From an Islamic perspective, student consumptive behavior leads to excessive behavior caused by frequent online shopping just because of the desire to support appearance not as needed, and when shopping online just follow the trend.

BUDAYA SEKOLAH, SERVANT LEADERSHIP DAN KEPUASAN KERJA TERHADAP KINERJA GURU SD SE-KECAMATAN SUNGAI MAS KABUPATEN ACEH BARAT Adnan, Muhammad; Najmuddin, Najmuddin; Musrizal, Musrizal
IndOmera Vol 5 No 10 (2024): indOmera, September 2024
Publisher : LPPM-UNIKI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55178/idm.v5i10.398

The research aims to conduct an empirical study analysis of school culture, Servant Leadership and job satisfaction on their influence on teacher performance. Survey research of 89 elementary school teachers in Sungai Mas District, West Aceh Regency. The research was carried out descriptively associative, with problem analysis using a statistical multiple regression analysis approach. Descriptive research results show: (1) teachers' perceptions of the condition of school culture that they feel and implement are good with an achievement level of 87.34%. Also, the principal's Servant Leadership factor is generally good, and the teacher's job satisfaction achievement level is 86.49%. (2) school culture, Servant Leadership and job satisfaction provide a positive influence in improving teacher performance, with their respective influence values through the regression model: Y = 29.291 + 0.466 X1 + 0.274 X2 + 0.379 X3. (3) it is proven that school culture factors, the principal's servant leadership and job satisfaction together make a significant contribution to teacher performance, with an amount of 74.2%.

IMPLEMENTATION OF RELIGIOUS MODERATION ATTITUDE THROUGH ISLAMIC RELIGIOUS EDUCATION FOR CULTURAL COMMUNITIES Syatria Adymas Pranaja; .NZ, Adriansyah; Musrizal, Musrizal; Fuadi, Muhammad
International Journal of Teaching and Learning Vol. 2 No. 5 (2024): MAY
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Religious moderation is important for the next generation to advance the nation in the future, the cultivation of moderate Islamic values needs to be pursued as an effort to prevent exposure to radicalism. A concrete step in providing the values of religious moderation to the younger generation is through religious education. Islamic Religious Education is in a vortex of diversity, plurality with an educational paradigm that is multicultural, multidimensional and does not exist in a vacuum, so this suggests that individual educational stakeholders, educational actors, objects, and beneficiaries of educational results must be able to learn together with other individuals in an atmosphere mutual respect, mutual tolerance and mutual understanding, as part of self-development or transformation, educational institutions, strategies, models or even learning process techniques. In the life of a multicultural society, there is bound to be plurality which, if not addressed wisely, will create the threat of conflict, whether from religious, cultural or ethnic aspects. With that, there needs to be awareness and understanding of religious moderation in order to create social peace and security that is maintained and understood contextually in various aspects of diversity.

Pelatihan Terpadu SDM Perangkat Gampong dalam Pengembangan BUMG Kulam Jaya di Meureudu Kab. Pidie Jaya Kamaruddin, Kamaruddin; Azhari, Azhari; Hasbi, Hasbi; M. Ikhsan Mangkuwinata, Sonny; Konadi, Win; Musrizal, Musrizal
Aceh Journal of Community Engagement (AJCE) Vol 3 No 3 (2024): AJCE, Desember 2024
Publisher : LPPM Umuslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/ajce.v3i3.3157

The problem of human resource performance, especially village/gampong apparatus in developing BUMG, is still considered not optimal and efficient, this is evident from the BUMG Meunasah Kulam business unit program in Meureudu District, Pidie Jaya Regency since its establishment in 2022 until now, the benefits have not been felt as expected. This is directly and indirectly related to the ability of the human resources of the perpetrators. BUMG Meunasah Kulam, Meurudu District, Pidie Jaya Regency was established in order to develop and empower the economy of village/gampong communities. However, the problems related to BUMG are that they have not fully synergized in developing village potential and have not supported the sustainability of community economic empowerment. Therefore, Pengabdi carries out community service to foster human resources for village apparatus who run BUMG so that they have performance, especially in organizing programs, developing BUMG business units and making transparent and accountable financial reports. And make BUMG Meunasah Kulam, Meureudu District, Pidie Jaya Regency able to develop in the future.

PENGUATAN KINERJA PEGAWAI DITINJAU DARI ASPEK DUKUNGAN KEPEMIMPINAN, CAPACITY BUILDING DAN GOOD GOVERNANCE (Studi Kasus pada Sekretariat DPR Kabupaten Pidie Jaya) Nasruddin, Nasruddin; Iba, Zainuddin; Musrizal, Musrizal
Ekonomika : Jurnal Ekonomi dan Pembangunan Vol 17 No 1 (2025): March, 2025
Publisher : Fakultas Ekonomi Universitas Almuslim Bireuen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/eko.v17i1.3145

This study aims to examine the background of leadership, capacity development, and good governance in strengthening employee performance. The study was conducted at the DPR secretariat of Pidie Jaya Regency. This type of research is quantitative and uses a causality analysis method. The data analysis technique used is path analysis using SMART-PLS. The results of the analysis show (1) aspects of leadership, capacity development and good governance provide positive support for strengthening employee performance by 23.9%, 19.6% and 31.2% respectively. (2) The leadership factor through good governance contributes to improving performance by 10.8% while through capacity development it has a positive effect on strengthening performance by 14.1%. (3) aspects of capacity development through good governance have a positive impact on strengthening employee performance by 13.2% and (4) simultaneously policies, capacity development and good governance contribute to strengthening employee performance by 28%.

PENGARUH KEPEMIMPINAN KEUCHIK TERHADAP PEMBERDAYAAN EKONOMI MASYARAKAT GAMPONG DI KECAMATAN PEUSANGAN KABUPATEN BIREUEN Subarni, Subarni; Yusuf, M.; Musrizal, Musrizal
Ekonomika : Jurnal Ekonomi dan Pembangunan Vol 14 No 2 (2022): Ekonomika, September 2022
Publisher : Fakultas Ekonomi Universitas Almuslim Bireuen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/eko.v14i2.2581

The research aims to analyze the influence of Keuchik leadership on the economic empowerment of gampong communities. This is a case study in Peusangan District, Bireuen Regency in 2022. With a quantitative approach using questionnaire instruments and analysis using regression and correlation. The research results stated; (1) the success rate of keuchik leadership is not optimal at 79.81%. And the village government's efforts to empower the community's economy have only reached 75.37%, which is in line with expectations. (2) From the regression analysis, it is proven that there is a significant influence of keuchik leadership in empowering the community's economy. From the correlation analysis, it was obtained that the geuchiek leadership variable contributed 63% to the economic empowerment of the community in Peusangan sub-district, Bireuen Regency.

ANALISIS FAKTOR DETERMINAN PENGAMBILAN KEPUTUSAN INVESTASI DI PASAR KRIPTO Wahyudi, Andi; Mukhlis, Mukhlis; Nova, Nova; Musrizal, Musrizal
Ekonomika : Jurnal Ekonomi dan Pembangunan Vol 16 No 1 (2024): Ekonomika, Maret 2024
Publisher : Fakultas Ekonomi Universitas Almuslim Bireuen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51179/eko.v16i1.2656

Investors often make irrational investment decisions. Decisions are often based on judgments that are far from rational assumptions. This research aims to examine the influence of experience regret, risk tolerance, illusion of control and financial literacy on investment decisions in the crypto market. Data was collected using an online media-based questionnaire instrument via Google Form involving 112 investor respondents who actively invest in cryptocurrencies. The data was processed and analyzed using the E-Views 10 software application. The types of data in this research are primary and secondary data using quantitative research methods and multiple linear regression models. The results of this research show that experience regret, risk tolerance and illusion of control do not influence investment decisions in the crypto market. Meanwhile, financial literacy influences investment decisions in the crypto market but at a significance level of 10 percent. It is very necessary to have clear regulations in the crypto market in an effort to provide protection to investors. Remember, the definition of crypto currency has different views.

BUDAYA SEKOLAH, SERVANT LEADERSHIP DAN KEPUASAN KERJA TERHADAP KINERJA GURU SD SE-KECAMATAN SUNGAI MAS KABUPATEN ACEH BARAT Adnan, Muhammad; Najmuddin, Najmuddin; Musrizal, Musrizal
IndOmera Vol 5 No 10 (2024): indOmera, September 2024
Publisher : LPPM-UNIKI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55178/idm.v5i10.398

The research aims to conduct an empirical study analysis of school culture, Servant Leadership and job satisfaction on their influence on teacher performance. Survey research of 89 elementary school teachers in Sungai Mas District, West Aceh Regency. The research was carried out descriptively associative, with problem analysis using a statistical multiple regression analysis approach. Descriptive research results show: (1) teachers' perceptions of the condition of school culture that they feel and implement are good with an achievement level of 87.34%. Also, the principal's Servant Leadership factor is generally good, and the teacher's job satisfaction achievement level is 86.49%. (2) school culture, Servant Leadership and job satisfaction provide a positive influence in improving teacher performance, with their respective influence values through the regression model: Y = 29.291 + 0.466 X1 + 0.274 X2 + 0.379 X3. (3) it is proven that school culture factors, the principal's servant leadership and job satisfaction together make a significant contribution to teacher performance, with an amount of 74.2%.

Title

Found 30 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 30 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 30 Documents
Search