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Welfare Beneficiary Community BUMDes Karya Dermawan Dusun Dalam Village Fauzi, Muhammad; Asa'ari, Asa'ari; Arzam, Arzam; Mursal, Mursal; Zufriani, Zufriani; Novia, Aidil; Syarif, Dafiar
International Journal of Social Science and Business Vol 5, No 3 (2021): August
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v5i3.38621

Dusun Dalam Village Government established a Village-Owned Enterprise (BUMDes) Karya Dermawan is a policy utilization. The main pillar was established BUMDes Karya Dermawan in accordance with the mandate of the objectives whose activities were oriented to encourage the welfare of the village community. Therefore, this study was conducted aimed at looking at the welfare provided by BUMDes Karya Dermawan Dusun Dalam village especially to the beneficiary community and compare the level of welfare before and after BUMDes Karya Dermawan was established. This study uses a descriptive quantitative approach, and data sourced from primary data by using Paired Sample t-Test as a data analysis tool. This study shows that BUMDes Karya Dermawan provides welfare to the beneficiary communities through businesses that have been established including Cooperatives;, Alsintan; and Workshop, which is directly able to change or succeed in providing an increase in welfare for the beneficiary community after the establishment of BUMDes as evidenced by the results of the Paried Sample t-Test analysis. With this evidence of success, for all elements should give intensive attention;, so that the development of BUMDes Karya Dermawan exists even more as a driver of community welfare. And also integratedly invites and becomes a valuable lesson for existing villages to establish BUMDes or villages that already have BUMDes, but have not succeeded in providing a common thread for the welfare of their citizens

The Effect of Income with Household Consumption on The Welfare of Dodol Potato Businesses Assessed From Islamic Economic Concept Cendra, Cendra; Fauzi, Muhammad; Arzam, Arzam; Novia, Aidil; Hulwati, Hulwati; Bustami, Yuserizal; Syarif, Dafiar; Mursal, Mursal
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 7, No 2: Agustus 2020
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v7i2.11214

The purposed of this study was to analyze the influence between income and household consumption on the welfare of potatoes taffy business in Lubuk Nagodang Village, Siulak Subdistrict, Kerinci regency. This study was assessing the welfare of taffy business in Islamic economic concepts and indicators. Field research with quantitative-qualitative (Mixed Method) as the method and approach used in this research. The research data was sourced from primary data, using multiple linear regression equations as a data analysis tool. This study was shown that the income partially has a significant effect on the welfare of potatoes taffy business that assessed from the Islamic economic concept. Then, household consumption partially has a significant effect on the welfare of potatoes taffy business assessed from the concept of Islamic economics. Besides, the income with household consumption simultaneously has a significant effect on the welfare of potatoes taffy business assessed from the concept of Islamic economics with a significance value of 0.000 0.05, and both variables contribute 69.2% together, while the remaining 30 ,8% influenced or explained by other factors not discussed in this study.

PENGARUH KONSUMSI ISLAMI KELUARGA MUSLIM SEJAHTERA TERHADAP PERILAKU KONSUMSI SEDERHANA DENGAN TEORI YUSUF AL-QARADHAWI (STUDI KASUS DESA KOTO IMAN KABUPATEN KERINCI) Syarif, Dafiar; Ditama, Rezki Agrisa; Fauzi, Muhammad; Mailindra, Wiyan; Mursal, Mursal; Lardiman, Hendra
JURNAL EKONOMIKA Volume 13, Nomor 02, Juni 2022
Publisher : Universitas Borneo Tarakan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35334/jek.v14i01.2548

Berangkat dari teori Engel dan beberapa penelitian lainnya bahwa konsumsi non pangan naik jika terjadi tingkat kesejahteraan. Data Kabupaten Kerinci menunjukkan rendahnya konsumsi pangan sedangkan angka kesejahteraan tinggi. Hal ini perlu dilakukan lebih lanjut tentang bagaimana Perilaku Konsumsi Rumah Tangga Muslim Sejahtera di Desa Koto Iman Kec. Danau Kerinci dalam teori al-Qaradhawi. Tujuan penelitian untuk melihat realisasi konsumsi Rumah Tangga Muslim Sejahtera di Desa Koto iman Kec. Danau kerinci dan melihat perilaku konsumsi keluarga muslim sejahtera ditinjua dari teori Yusuf al-Qaradhawi. Penelitian ini merupakan penelitian lapangan ( field research .) ) dengan metode penelitian kuantitatif.Hasil penelitian menunjukkan perilaku konsumsi pada keluarga muslim sejahtera desa Koto Iman kabupaten kerinci dengan kategori sangat baik dan memiliki pengaruh signifikan terhadap perilaku konsumsi sederhana.

The influence of technology perception, perceived risk, and complaint handling on customer interest in using Internet banking at Bank Syariah Indonesia KCP Sungai Penuh Rafina, Yeni; Sarmigi, Elex; Syarif, Dafiar; Travilo, Yoga
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art5

Introduction Bank Syariah Indonesia actively uses information technology through digital services. However, not all digital services have a large user base, such as Internet banking, which has fewer users than m-banking. Objectives This study analyzed the impact of perceptions of technology, risk, and complaint handling on customer interest in using Internet banking services at Bank Syariah Indonesia KCP Sungai Penuh.Method This study used a quantitative descriptive research design. The study population comprised Bank Syariah Indonesia KCP Sungai Penuh customers. A sample of 100 customers was used to collect data through questionnaires and documentation. The data were analyzed using a Structural Equation Model (SEM) with Smart PLS 3.2.9.Results The results show that perceptions of technology do not significantly influence customer interest in using Internet banking services at Bank Syariah Indonesia KCP Sungai Penuh. Meanwhile, risk significantly influences customer interest, and complaint-handling does not affect customer interest in the service.Implications The findings suggest that Bank Syariah Indonesia KCP Sungai Penuh should increase outreach and promotional efforts to introduce Internet banking to potential customers, increasing their interest and participation in utilizing this service.Originality/Novelty This study contributes to the body of knowledge on risk perception among customers who adopt Internet banking in the Islamic banking sector.

Pengaruh Analisis Label Halal Dan Hargaterhadap Keputusan Membeli Produk Mie Samyang Bagi Remaja Diwilayah Kabupaten Kerinci septiana, Rena; syarif, Dafiar; Wisaalam, Alex; Saleh, Muhammad Aunurrochim Bin Mas'ad
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12741

consumption of instant noodles from Korea, namely Samyang noodles, which is a country with a non-Muslim majority population, there are issues circulating regarding the halalness of Samyang noodle products which are considered to contain pork oil. This research aims to examine how the halal label factor influences buyer preferences, especially in the Kerinci area. The author uses quantitative research with a descriptive approach. In the research used as primary data were answers to questionnaires submitted to the people of Kerinci Regency. Meanwhile, secondary data is in the form of library literature, notes or historical reports that have been compiled in archives (documentary data) such as the Purchase Decision for Samyang Noodles in Generation Z, and processed using certain statistical methods. The scope of this research focuses more on variables that influence purchasing decision preferences. on imported food products. The influencing variables are halal labeling, income and product price. The results of this research are that the halal label variable has a significant effect on the decision to choose because the t-count value of ttable or 3.652, 199495 and the resulting significance is 0.001 - 0.05. So this means that the halal label variable has a significant effect on the decision to choose. "The halal label variable has a positive influence on the decision to choose teenagers from Kerinci Regency" is accepted. Meanwhile, the price variable does not have a significant effect on the decision to choose because the value of tcount or 1.718 1.99495 and the resulting significance is 0.90 0.05. So this means that the price variable does not have a significant effect on choosing decisions. "The price variable does not have a positive influence on the decision to choose teenagers from Kerinci Regency" and the percentage of influence between variables X1 and X2 on variable Y is 19.2%

Mengungkap Peran Strategis Sukuk dan Saham Syariah dalam Mendorong Pertumbuhan Keuangan Syariah di Era Modern Syarif, Dafiar; Wahyu, Wawan Devis; Sarmigi, Elex; Rahman, Paisal
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 1 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i1.6292

This study examines the impact of sukuk and Islamic stocks on the development of Islamic finance in Indonesia during the period 2015–2023. The main focus of this research is to understand the strategic role of these two Islamic capital market instruments in driving the growth of the Islamic finance sector, which includes banking, insurance, and Islamic microfinance institutions. The methodology used is quantitative analysis with a Structural Equation Modelling - Partial Least Squares (SEM-PLS) approach. The results show that Islamic sukuk has a positive and significant impact on the performance of Islamic finance, with a path coefficient of 0.846 and a p-value < 0.05, while Islamic stocks show a weak and insignificant relationship with the performance of Islamic finance, with a path coefficient of 0.195 and a p-value > 0.05. These findings indicate that Islamic sukuk plays a more dominant role in supporting the growth of the Islamic finance sector in Indonesia, while Islamic stocks require further development, including increasing financial literacy and public interest in these instruments. This study contributes theoretically by expanding the literature on Islamic finance and practically by providing recommendations for regulators to strengthen the role of Islamic sukuk in supporting sustainable Islamic finance in Indonesia.

Kontroversi gaya hidup konsumtif dan penerapan prinsip ekonomi syariah pada generasi muda Auralia, Tita; Syarif, Dafiar
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2700

Consumptive behavior is a person's habit of buying or consuming goods and services excessively without considering their actual needs. This study aims to evaluate the level of consumerism among the younger generation. This study uses a descriptive qualitative method, data was collected through interviews, observations, and documentation of FEBI IAIN Kerinci students. This study shows that understanding of Islamic economic principles such as qana'ah, tasarruf, and the prohibition of israf is still low. Consumption decisions are often triggered by influencers and online promotions. Therefore, early Islamic economic education, Islamic entrepreneurship training, and the use of digital media are needed to spread Islamic financial values. This approach is expected to shape the lifestyle of the younger generation who do not just follow trends, but are also in line with Islamic teachings in managing finances wisely.

Pengaruh Analisis Label Halal Dan Hargaterhadap Keputusan Membeli Produk Mie Samyang Bagi Remaja Diwilayah Kabupaten Kerinci septiana, Rena; syarif, Dafiar; Wisaalam, Alex; Saleh, Muhammad Aunurrochim Bin Mas'ad
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12741

consumption of instant noodles from Korea, namely Samyang noodles, which is a country with a non-Muslim majority population, there are issues circulating regarding the halalness of Samyang noodle products which are considered to contain pork oil. This research aims to examine how the halal label factor influences buyer preferences, especially in the Kerinci area. The author uses quantitative research with a descriptive approach. In the research used as primary data were answers to questionnaires submitted to the people of Kerinci Regency. Meanwhile, secondary data is in the form of library literature, notes or historical reports that have been compiled in archives (documentary data) such as the Purchase Decision for Samyang Noodles in Generation Z, and processed using certain statistical methods. The scope of this research focuses more on variables that influence purchasing decision preferences. on imported food products. The influencing variables are halal labeling, income and product price. The results of this research are that the halal label variable has a significant effect on the decision to choose because the t-count value of ttable or 3.652, 199495 and the resulting significance is 0.001 - 0.05. So this means that the halal label variable has a significant effect on the decision to choose. "The halal label variable has a positive influence on the decision to choose teenagers from Kerinci Regency" is accepted. Meanwhile, the price variable does not have a significant effect on the decision to choose because the value of tcount or 1.718 1.99495 and the resulting significance is 0.90 0.05. So this means that the price variable does not have a significant effect on choosing decisions. "The price variable does not have a positive influence on the decision to choose teenagers from Kerinci Regency" and the percentage of influence between variables X1 and X2 on variable Y is 19.2%

HARTA KARUN PASAR MODAL: FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BERINVESTASI DENGAN UANG SAKU SEBAGAI VARIABEL MODERASI Syarif, Dafiar; Wahyu, Wawan Devis; Ahmad yani
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.48291

Dibandingkan negara maju bahkan negara tetangga, jumlah investor di pasar modal di Indonesia masih sangat jauh tertinggal. Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan investasi, modal minimum, motivasi, dan kesadaran investasi terhadap minat investasi di kalangan mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci dengan mempertimbangkan uang saku sebagai variabel moderasi. Pendekatan kuantitatif digunakan dalam penelitian dengan melibatkan 130 mahasiswa sebagai sampel yang dipilih melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner dan dianalisis menggunakan metode Moderate Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa pengetahuan investasi, modal minimum, motivasi, dan kesadaran investasi berpengaruh positif signifikan terhadap minat investasi. Selain itu, Variabel Uang Saku saja tidak memoderasi pengaruh Pengetahuan Investasi terhadap Minat Investasi. Penelitian ini menekankan pentingnya literasi investasi sejak dini, terutama bagi mahasiswa, sebagai dasar untuk membangun kesadaran keuangan yang bertanggung jawab. Temuan ini diharapkan menjadi referensi bagi lembaga pendidikan dan pemerintah dalam merumuskan strategi meningkatkan literasi dan inklusi keuangan.

SLR : PERAN LEMBAGA KEUANGAN SYARIAH DALAM PEMBERDAYAAN EKONOMI LOKAL DI INDONESIA Melanta, Nia; Syarif, Dafiar
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).22039

Penelitian ini bertujuan untuk menganalisis peran dan perspektif masyarakat terhadap lembaga keuangan syariah dalam pemberdayaan ekonomi masyarakat dan pengembangan ekonomi lokal di Indonesia. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan menganalisis 54 artikel terindeks SINTA dan ISSN dari tahun 2018 hingga 2024. Hasil penelitian menunjukkan bahwa lembaga keuangan syariah seperti Bank Wakaf Mikro (BWM), Baitul Maal wat Tamwil (BMT), dan Koperasi Syariah berkontribusi signifikan melalui penyediaan pembiayaan mikro syariah (misalnya, akad qardh, mudharabah, dan musyarakah) dengan margin rendah (3%), pendampingan usaha terpadu seperti program Halaqoh Mingguan (HALMI), serta inovasi digital. Masyarakat menilai positif peran lembaga ini dalam meningkatkan akses modal UMKM, mengurangi ketergantungan pada rentenir, dan memperkuat ekonomi lokal berbasis syariah. Namun, tantangan seperti keterbatasan jangkauan di daerah terpencil, rendahnya literasi keuangan syariah, dan kesenjangan teknologi masih menjadi penghambat. Penelitian ini merekomendasikan penguatan kolaborasi multipihak (pemerintah, fintech syariah, dan komunitas), ekspansi layanan digital, serta edukasi keuangan berbasis lokal untuk mengoptimalkan dampak lembaga keuangan syariah. Temuan ini membantu pengambil kebijakan memajukan ekonomi inklusif berbasis prinsip syariah.

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