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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Journal of Student Research Maslahah: Jurnal Manajemen dan Ekonomi Syariah
Agusriandi
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences Other

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Tinjauan Ekonomi Syariah Terhadap Penyaluran Dana Modal Usaha Di PNM Mekar Syariah Di Kecamatan Betung Kabupaten Banyuasin Inge Oktavianti; Eja Armaz Hardi; Agusriandi
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 2 (2024): April : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i2.1056

Abstract

There are many small-scale people who want to have a business to make a living but are still hampered by capital, so they have to look for more loans to build a business that can become a foundation for the continuity of life in the future. With this, the government is now establishing various institutions that are able to increase the income of people who need capital as business capital, one of these institutions is PT. Madani Mekar Syariah National Capital. So the aim of the author's research is to find out how the practice of distributing business capital funds at PT. Madani Mekar Syariah National Capital in Betung District, Banyuasin Regency and also wants to know how sharia economic law applies to combining murabahah and wakalah contracts in one transaction which is applied to PT. Madani Mekar Syariah National Capital in Betung District, Banyuasin Regency. This research uses qualitative methods with respondents, namely branch heads and Account Office members as well as customers. Regarding informants, namely customers who are Muslim, new customers, and have businesses. The results of this research show the flow of fund distribution practices at PT. Mekar Syariah Madani National Capital in Betung District, Banyuasin Regency includes the stage of determining customers according to the criteria set by PNM Mekar Syariah, the second stage is Financing Training, the third stage is signing the agreement and disbursing funds, and the fourth stage is carrying out weekly installments. If we look at sharia economic law regarding the combination of murabahah and wakalah contracts, this is permissible and does not conflict with sharia principles because the murabahah and wakalah financing contracts are carried out at separate times.
Analisis Peran Manajemen Keuangan Dalam Meningkatkan Kinerja Pembangunan Desa Sungai Landak Kecamatan Senyerang Kabupaten Tanjung Jabung Barat Tahun 2020-2022 Vunanti; As’ad Isma; Agusriandi
Journal of Student Research Vol. 1 No. 6 (2023): November: Journal of Student Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jsr.v1i6.1812

Abstract

. Penelitian ini membahas permasalahan mengenai peran keuangan desa serta kinerja pembangunan yang berada di Desa Sungai Landak, ternyata masih perlu di perbaiki, misalnya pada perencanaan pengelolaaan keuangan dan juga pada perencanaan pembangunan desa. Oleh sebab itu, perlu dilakukan analisis untuk mengetahui permasalahan yang terjadi mengenai pengelolaan keuangan desa tersebut. Penelitian ini menggunakan pendekatan kualitatif, dengan sumber data primer dan sekunder, Tekhnik pengumpulan data menggunakan metode wawancara, observasi dan dokumentasi secara langsung di lapangan. Sedangkan untuk tekhnik analisis data yang digunakan peneliti ada 3 yaitu: reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini adalah: (1) Analisis Peran Keuangan Desa yang ada di Desa Sungai Landak menerapkan perencanaan pada saat akan bermusyawarah, pihak desa melibatkan masyarakat pada saat akan melakukan kegiatan, pihak desa selalu bekerja sama dengan masyarakat dan pihak desa mempertanggung jawabkan hasil laporan kegiatannya kepada masyarakat. (2) Peningkatan kinerja pembangunan yang ada di desa Sungai Landak dilakukan dengan bermusyawarah dan juga gotong royong sehingga pembangunan dapat berjalan dengan baik.
PENGARUH KEPERCAYAAN DAN KUALITAS LAYANAN TERHADAP PERILAKU KONSUMEN APLIKASI DANA GEN Z DI KOTA JAMBI Rosada; Fusfita, Nurlia; Agusriandi
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 Nomor 02, Juni 2026 Published
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.57450

Abstract

The rapid development of financial technology has increased the adoption of digital wallets as a cashless transaction medium, particularly among Generation Z, who are highly engaged with digital technology. However, the use of digital wallet services is influenced not only by technological convenience but also by users’ trust and the quality of services provided by platform operators. This study aims to analyze the effect of trust and service quality on the consumer behavior of Generation Z users of the Dana digital wallet application in Jambi City, both partially and simultaneously. This research employed a quantitative approach using a survey method through questionnaires distributed to 100 respondents aged 20–24 years who had experience using the Dana application. The sample was selected using purposive sampling techniques. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination with SPSS software. The results showed that trust had a positive and significant effect on consumer behavior and became the most dominant variable influencing the use of the Dana application. Service quality also had a positive and significant effect on consumer behavior. Simultaneously, trust and service quality significantly influenced consumer behavior among Dana users. The study concludes that trust and service quality are important factors in supporting the sustainable adoption of digital wallet applications among Generation Z consumers.Top of Form
Co-Authors As’ad Isma Eja Armaz Hardi Fusfita, Nurlia Inge Oktavianti Rosada Vunanti