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All Journal JURNAL PENDIDIKAN EKONOMI: Jurnal Ilmiah Ilmu Pendidikan, Ilmu Ekonomi dan Ilmu Sosial Jurnal Ilmiah Universitas Batanghari Jambi JURNAL PENDIDIKAN TAMBUSAI ILTIZAM Journal of Sharia Economic Research Bertuah : Jurnal Syariah dan Ekonomi Islam Indonesian Journal of Islamic Economics and Business Jurnal Manajemen, Bisnis dan Kewirausahaan ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar International Journal of Economics (IJEC) International Journal of Community Service (IJCS) Jurnal Manajemen Keuangan Syariah Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE)
Anita, Efni
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The Influence of Consumer Knowledge and Brand Image on the Decision to Become a BTN Syariah Jambi Customer Fermana, Rachmad; Anita, Efni; Syahrizal, Ahmad
Bertuah Jurnal Syariah dan Ekonomi Islam Vol. 5 No. 3 (2024): Bertuah: Jurnal Syariah dan Ekonomi Islam (Special Issue)
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jsie.v5i3.899

Abstract

Islamic Bank is a financial institution that runs its business activities based on Islamic principles and sharia. The decision to become a customer of an Islamic bank can be influenced by several factors, including consumer knowledge and brand image. This study aims to determine the simultaneous and partial influence of consumer knowledge and brand image on the decision to become a customer of BTN Syariah Jambi. The sample from this research was 80 customers of the BTN Syariah Jambi. The research results show that consumer knowledge (X1) and brand image (X2) simultaneously have a significant influence on customer decisions. This is proven by the Adjusted R square (coefficient of determination) value of 88,6%.
Analysis of Effectiveness and Efficiency in MSME Management for Increasing Income in Mendalo Darat Village, Muaro Jambi Rafidah, Rafidah; M. Nazori; Rosmanidar, Elyanti; Mutia, Agustina; Usdeldi, Usdeldi; Anita, Efni; Fusfita, Nurlia; Rahma, Sri; M. Subhan; Nofriza, Eri; Alawiyah, Rabiyatul
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.608

Abstract

The problem in this study is the decline in the income level of MSME actors during the Covid-19 pandemic, one of the reasons for this is the lack of effectiveness and efficiency of financial management in their businesses, business actors feel they do not understand how to make policies in managing their business finances. The purpose of this study is to determine the effectiveness and efficiency of MSME Mendalo Darat in increasing income and to find out what obstacles are experienced by MSME Mendalo Darat actors in efforts to increase income. The type of method in this study is field/qualitative research. The income of MSME Mendalo Darat has decreased in the Covid-19 era so that e-commerce has a positive impact on the income of  MSME Mendalo Darat.
An Overview of the Palm Oil Plantation Industry and its Social Impact on Local Communities in Jambi Province, Sumatra, Indonesia Aziz, Arfan; Armaz, Eja; Rafidah, Rafidah; M. Nazori; Rosmanidar, Elyanti; Mutia, Agustina; Usdeldi, Usdeldi; Anita, Efni; Fusfita, Nurlia; Rahma, Sri; M. Subhan; Nofriza, Eri; Alawiyah, Rabiyatul
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.839

Abstract

This study aims to provide a comprehensive overview of the palm oil plantation industry and its social impacts on local communities in Jambi Province, Sumatra, Indonesia. Palm oil plantations have become an important economic sector in the region, contributing significantly to the local and national economy. However, on the other hand, the expansion of this industry has also given rise to a variety of complex social and environmental problems. This study uses a qualitative approach with in-depth interviews, field observations, and document analysis to examine the socio-economic impacts on local communities. The results show an increase in the economic welfare of local communities through job creation and infrastructure improvements. However, negative impacts such as land conflicts, environmental degradation, and changes in culture and traditional livelihoods were also found. This study underlines the need for more sustainable and equitable policies in the management of palm oil plantations to minimize negative impacts on local communities and the environment in Jambi Province.
The Role of Sharia Micro Financing in the Development of Micro Small and Medium Enterprises in Telanaipura District Wicaksono, Agung; Anita, Efni; Rahma, Sri; Nasrullah, Aditya; Nikmah, Isnadiatun; Rusmiyati, Mellyani
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.968

Abstract

Micro, Small and Medium Enterprises (MSMEs) are an important part of the economy of a country or region, including Indonesia. The development of the MSME sector provides its own meaning in efforts to increase economic growth and in efforts to reduce the poverty rate in a country. The role of sharia microfinance plays an important role in business development for MSMEs. The aim is to find out whether MSME actors have run their businesses using sharia microfinancing and what role sharia microfinance plays in business development for these MSME actors. This research is field research using qualitative methods. Data collection techniques using observation, interviews and documentation. The interview this time consisted of several MSME actors in the Telanaipura District, Jambi City. The results of this research are MSME actors in Telanaipura District who have run their businesses by carrying out sharia micro financing and the important role of sharia micro financing in business development for these MSME actors.
Pengaruh Keamanan, Kemudahan Penggunaan dan Biaya Administrasi terhadap Keputusan Penggunaan Mobile Banking BSI dalam Transaksi E-Commerce (Studi pada Mahasiswa FEBI UIN Sulthan Thaha Saifuddin Jambi) Meidina, Mutiara Alda; Anita, Efni; Subhan, Muhammad
ARZUSIN Vol 4 No 5 (2024): OKTOBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v4i5.3697

Abstract

Security is an important factor because it affects a person's trust in using the service. Perceived ease of use is defined as the level of confidence that using the system does not require much effort. administrative costs are fees charged for an activity or can be called service fees. This study aims to determine the effect of security, ease of use and administrative costs on the decision of BSI Mobile Banking users in E-Commerce transactions. The population used in this study were students of the Faculty of Economics and Islamic Business at UIN Sulthan Thaha Saifuddin Jambi. The research method used is quantitative with the number of samples used as many as 95 students. The data analysis method used is power collection, data presentation, and sampling. This study uses the SmartPLS 4.1.0.0 statistical program to calculate and analyze data. The results of this study indicate that Security has a positive and significant effect on decisions to use BSI mobile banking in e-commerce transactions. Ease of use has a positive and significant effect on the decision to use BSI mobile banking in e-commerce transactions. Administration costs have a positive and significant effect on the decision to use BSI mobile banking in e-commerce transactions.
Pengaruh Perputaran Modal Kerja dan Struktur Modal Terhadap Profitabilitas pada Perusahaan Syariah (di Sub Sektor Makanan dan Minuman Periode 2020 – 2023) , Nopriani; Anita, Efni; Nofriza, Eri
Bertuah Jurnal Syariah dan Ekonomi Islam Vol. 5 No. 2 (2024): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : STAIN Bengkalis

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

Abstract

Penelitian ini di latar belakangi oleh Perputaran Modal kerja dan struktur modal yang membuat profitabilitas yang di ukur mengunakan Rasio Return On Asset mengalami Penurunan. Adapun tujuan penelitian ini adalah (1) Untuk mengetahui ada atau tidak pengaruh perputaran modal kerja dan Struktur Modal terhadap Return On Asset secara simultan. (2) Untuk mengetahui ada atau tidak pengaruh Perputaran Modal Kerja dan Struktur Modal terhadap Return On Asset secara parsial. Jumlah sampel dalam penelitian ini adalah 52 sampel dan menggunakan teknik uji statistic yang dilakukan dengan menggunakan program bantuan computer yaitu Eviews 12. Analisis Regresi Data Panel digunakan sebagai teknik analisis data. Hasil penelitian menunjukkan bahwa Perputaran Modal kerja berpengaruh positif signifikan terhadap profitabilitas pada perusahaan syariah sub sektor makanan dan minuman yang terdaftar di Bursa Efek Indonesia (BEI) sedangkan Struktur Modal berpengaruh Negatif signifikan terhadap profitabilitas pada perusahaan syariah sub sektor makanan dan minuman. Pada pengujian asumsi klasik dengan distribusi normal tidak terjadi heteroskedastisitas dan multikolinearitas. Nilai Adjusted R-Square menunjukkan pengaruh dari variabel independen sebesar 26,78 % sisanya 73,22 dipengaruhi faktor lain diluar model regresi tersebut.
Analisis Strategi Pemasaran Dalam Meningkatan Pendapatan Pada Usaha Pengrajin Kayu "Arif Konsen" Ramadhan, Nurman; Anita, Efni; Martaliah, Nurfitri
Jurnal Pendidikan Tambusai Vol. 9 No. 1 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i1.27517

Abstract

Industri furnitur di Indonesia, termasuk di Kota Jambi, memiliki potensi besar dengan bahan baku melimpah. Namun, usaha seperti "Arif Konsen" menghadapi tantangan akibat belum memanfaatkan pemasaran digital, sehingga pendapatan menurun dalam 9 bulan terakhir. Pemasaran digital menjadi solusi strategis untuk menjangkau pasar lebih luas, meningkatkan penjualan, dan bersaing di era Revolusi Industri 4.0. Penelitian ini menggunakan metode kualitatif dengan data deskriptif untuk memahami fenomena sosial secara mendalam. Data dikumpulkan melalui observasi langsung dengan menggunakan daftar periksa, wawancara dengan pemilik usaha sebagai informan utama, pengelola keuangan sebagai informan kunci, dan konsumen sebagai informan pendukung, serta dokumentasi berupa catatan dan dokumen relevan terkait usaha. Untuk memastikan keabsahan data, digunakan metode triangulasi yang melibatkan perbandingan sumber, teknik, dan waktu pengumpulan data. Hasil penelitian ini menunjukkan bahwa strategi promosi digital melalui media sosial seperti Facebook dan WhatsApp berhasil meningkatkan pendapatan usaha pengrajin kayu "Arif Konsen" secara signifikan, dengan kenaikan masing-masing sebesar 15% pada Oktober dan 20% pada November 2024. Strategi ini meliputi promosi konsisten, interaksi langsung dengan pelanggan, serta penyesuaian berdasarkan umpan balik konsumen. Faktor utama keberhasilan mencakup efektivitas promosi digital, kualitas produk, layanan tambahan, dan evaluasi berkelanjutan. Untuk mendukung pertumbuhan lebih lanjut, solusi seperti diversifikasi produk, pelatihan SDM, dan kolaborasi dengan influencer lokal disarankan sebagai langkah strategis.
PENGARUH PERILAKU KONSUMEN DAN KEPUASAN KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN BUSANA MUSLIMAH PADA ONLINE SHOP Novita, Sherly; Anita, Efni; Mubyarto, Novi; Munsarida, Munsarida
Manajemen Keuangan Syariah Vol. 2 No. 1 (2022): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v2i1.1215

Abstract

This study aims to determine the effect of consumer behavior and consumer satisfaction on purchasing decisions. This study uses quantitative methods and the type of data used is primary data, which is obtained from the results of distributing online questionnaires to respondents. These results can be seen partially. (T test) between Consumer Behavior and Consumer Satisfaction with Purchase Decision shows the value of tcount 4.107 > ttable 1.986. Between Consumer Satisfaction with Purchase Decision shows the value of tcount 5,208 < ttable 1,986. Simultaneously, this is evidenced by the results of fcount of 32,000>ftable with a significant value (sig) of 0.000. Because the sig value is much smaller than 0.05, the regression model can be used to predict that consumer behavior and consumer satisfaction simultaneously affect purchasing decisions. While the most dominant variable influencing purchasing decisions is customer satisfaction with a significant value obtained of 0.000 <0.05
ANALISIS STRATEGI MARKETING MIX DALAM MENINGKATKAN OMZET PENJUALAN PADA PONDOK CIK ROZA KELURAHAN THE HOK Anggraini, Mayang; Mubyarto, Novi; Anita, Efni; Munsarida, Munsarida
Manajemen Keuangan Syariah Vol. 3 No. 1 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v3i1.1689

Abstract

This study aims to analyze the marketing mix strategy in increasing sales turnover at Pondok Cik Roza, Thehok Village. Source of data in this study are primary data through information froom the people studied, and secondary data through documentation, intervews and literature. This study used is a qualitative approach. The results show that the marketing mix strategy used at Pondok Cik Roza is 7p, namely marketing products that have characteristics at affordable prices, having quite strategic places, promoting through online or offline media. Having sufficient people, carrying out a good process and applying physical evidence that supports the Pondok Cik Roza business. The marketing mix strategy that does not work well is that the products offered often have vacancies, the promotions that are carried out are still not optimal and the physical evidence that has many shortcomings such as not having adequate parking space, the place is still narrow and others. This makes the sales turnover of Pondok Cik Roza not increase significantly. However, the owner of Pondok Cik Roza remains optimistic that his business will run smoothly by making improvements to the marketing mix strategy that has not been maximized.
Pengaruh Anggaran Biaya Operasional dan Anggaran Pendapatan terhadap Kinerja Keuangan pada Pt. Sinar Mas Smart Tbk erma novalina; Novalina, Erma; Anita, Efni; Agusriandi, Agusriandi
Manajemen Keuangan Syariah Vol. 3 No. 1 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v3i1.1718

Abstract

ABSTRACT The purpose of this study was to analyze the effect of operating expense budget and revenue budget on financial performance at PT Sinar Mas SMART Tbk. This research is a type of quantitative research. The sample uses purposive sampling method, namely the company's Gross Profit Margin (GMP) as well as the operating expense and revenue budgets for the 2015-2021 period. The data were analyzed by multiple linear regression and hypothesis testing using the t-test and R2 test with the help of SPSS 24.0 for windows software. The results showed that: The Operating Cost Budget partially has a significant effect on financial performance, this can be seen from the significance value (P Value) 0.003 which is smaller than 0.05. Budget Revenue partially has a significant effect on financial performance with a significance level (P Value) of 0.006 which is smaller than 0.05. And the contribution value of the coefficient of determination (Adjusted R-Square) of 0. 803 which means that the variation that occurs in the dependent variable (Financial performance) is 80.3% influenced by the independent variable (Operating cost budget and revenue budget) the rest is 19.7% (100% - 80.3%) while the rest is influenced by other factors. Keywords: Operating Expense Budget, Revenue Budget, Financial Performance
Co-Authors , Nopriani Abda Abda Adeliani, Olifvia Putri agnes putri, agnes Agung Wicaksono Agusriandi, Agusriandi Agustina Mutia Ahmad Soleh Ahmad Syahrizal Alawiyah, Rabiyatul Amelia Puspita, Inggit Aminatah, Aminatah Andriana, Nirhamni Ardiansyah, M. Zikri Armaz, Eja Dedek Kusnadi Elyanti Rosmanidar Elyanti, Elyanti erma novalina Faturahman Fermana, Rachmad Fitria, Savira Fuad Rahman Fusfita, Nurlia Habibah , G.W.I Awal Hafizh Fajri, M. Herlambang, Ilham Wisnu Ipada, Naziroh Nurul Lubis, Puteri Anggi M. Nazori M. Subhan Magfiroh, Inarotul Marissa, Nurliana Martaliah, Nurfitri Mayang Anggraini Meidina, Mutiara Alda Miftahul Jannah Mubyarto, Novi Muhammad Husen, Muhammad Muhammad Subhan Munsarida MUNSARIDA munsarida Nasrullah, Aditya Naufal ramli, Luthfi Nazori, Nazori Nikmah, Isnadiatun Nofriza, Eri Novalina, Erma Novita, Sherly Permata, Tika Agu Putri, Nurrahma Sari Rafidah Rafidah Rafidah Rahayu, Yunie Rahma, Sri Rahman, Nur Hayati Abd Rahman, Sakinah RAMADHAN, NURMAN Refky Fielnanda ROHANA ROHANA Rusmiyati, Mellyani Sudharyati, Neneng Sukri, Dina Ranvica Titin Agustin Nengsih Usdeldi, Usdeldi Wati, Ema Risna Yuniar, Vita