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Pengaruh Produk Dan Pelayanan Terhadap Keputusan Anggota Menggunakan Jasa BMT ( Baitul Maal Wa Tamwil ) Bina Insan Sejahtera Di Kota Jambi Darmiwati Darmiwati; Arsa Arsa; Mohammad Orinaldi
Jurnal of Management and Social Sciences Vol. 1 No. 2 (2023): April : Journal of Management and Social Sciences
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jmsc.v1i2.178

Abstract

The method used by the authors in this study is a quantitative method, based on the results of the influence of products and services on members' decisions to use the services of Baitul Maal Wa Tamwil Bina Insan Prosperous City of Jambi. The results of the research on social class variable test, product quality and purchasing decisions were declared valid. Testing the hypothesis for the product variable (X1) 0.259 has an impact on members' decisions seen from the t value of 1.877 and a significant 0.00. It was concluded that Ho was rejected while H1 was accepted. Testing the hypothesis for service variables (X2) 0.329 service influences member decisions. Judging from the statistical value of t count of 2.437 and a significant 0.00 it is concluded that Ho is rejected while H2 is accepted. (F test) to get the result that the independent variables namely products and services jointly influence the dependent variable (member decision). This can be seen from the results obtained F count 2.925 with a significant price of 0.043.
PENGARUH HARGA, KEMASAN, RASA, VARIASI PRODUK, DAN KUALITAS PRODUK TERHADAP MINAT BELI (Studi Pada Usaha Gelamai Perentak Kecamatan Bangko Kabupaten Merangin) Lara Parida; Arsa Arsa; Muhammad Subhan
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 1 No. 4 (2023): Oktober : Jurnal Kajian dan Penalaran Ilmu Manajemen
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v1i4.233

Abstract

The growth of the food industry that occurred in Indonesia resulted in a high monthly expenditure category, the food industry can be said to be the market share leader with a larger percentage compared to other industries. The food industry is also developing in Bangko District, Merangin Regency. One of the foods that are also widely sold by the people of Bangko District, Merangin Regency, is gelamai perentak which is well known to people who pass through Bangko District, Merangin Regency. Perentak pretty much produced continuously by the community. There are several things that can be considered by the company such as product quality, and also product variety. It is suspected that this can help in increasing consumer buying interest. The purpose of this study was to determine the effect of price, packaging, and taste simultaneously on buying interest in the gelamai perentak business, Bangko District, Merangin Regency. In this study the method used is descriptive quantitative. The data sources of this research are primary data and secondary data with the research instruments used namely observation, questionnaires, and documentation. The results showed that the results of the t test for price, packaging, taste, and product quality had a positive and significant effect on purchase intention. While the product variation variable has no influence between product variation and buying interest. Based on the results of the F test with the help of calculations from the SPSS program, it can be seen that in the statistical F test it appears that the significance value of 0.000 is less than 0.05, namely 0.000 <0.05. So it can be concluded that the variable price (X1), packaging (X2), taste (X3), product variety (X4), and product quality (X5) together significantly influence purchase intention
ANALISIS DAN POTENSI ZAKAT PRODUKTIF DALAM MENGENTASKAN KEMISKINAN MUSTAHIK STUDI KASUS (BAZNAS KOTA JAMBI) Achmad Fajri Ramadhan; Arsa Arsa; Victor Diwantara
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 1 No. 4 (2023): Oktober : Jurnal Kajian dan Penalaran Ilmu Manajemen
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v1i4.242

Abstract

The aim of this research is to determine the potential of productive zakat in alleviating poverty in Jambi City. How to distribute Jambi City Baznas productive zakat to mustahik who need it. The data collection method used in this research uses primary data and secondary data, so the research uses a qualification method. So data collection techniques are carried out by interviews with related parties, observation, and literature study. Mustahik is the population in this research, the background to the problem is the potential for productive zakat in Jambi City through the Jambi City BAZNAS program. The potential gained is the ease of mustahik in applying for productive zakat funds, and services from the Jambi City BAZNAS. And any money and goods given to mustahik are permanent, without needing to be returned to BAZNAS Jambi City. The obstacle to the productive zakat program is the lack of socialization from the Jambi City Baznas to the people of Jambi City. So not many people in Jambi City know about the productive zakat program in Jambi City.
Analisis Kebijakan Merger BSI Terhadap Industri Halal UMKM Munandar, Arif; Arsa, Arsa; Subhan, Muhammad
Maisyatuna Vol. 4 No. 2 (2023): April: Jurnal Maisyatuna 
Publisher : STAI Denpasar Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53958/mt.v4i2.271

Abstract

This study examines the Indonesian Islamic Bank Merger policy towards the halal industry for micro, small and medium enterprises. This research is to find out the role of the Indonesian Islamic Bank Jambi Gatot Subroto branch office in developing the halal industry Micro, small and medium enterprises that apply for financing at the Bank after the Merger and find out what are the obstacles faced by the Indonesian Islamic Bank Jambi Gatot Subroto branch office in distributing financing contracts to Micro, small and medium enterprises after the merger. This study uses a qualitative approach and the type of research approach used is descriptive qualitative. The data sources are primary data and secondary data. Methods of data collection through interviews and documentation. The results of this study indicate that the Indonesian Islamic Bank Jambi Gatot Subroto after the merger already has a role in improving the economy and developing the halal industry Micro, small and medium enterprises in Jambi City by providing an initial injection of funds and top up or additional business capital and also lightening and facilitating Micro, small and medium enterprises in applying for financing at Bank Syariah Indonesia, not only that, Bank Syariah Indonesia also plays an active role as a consultant for its customers and often holds entrepreneurship guidance, Bank Syariah Indonesia, the Jambi branch office, Gatot Subroto, conducts canvassing every day or goes directly into the field to spread brochures as well as reducing installments when customers are affected by natural disasters. The constraints of Bank Syariah Indonesia Gatot Subroto Jambi branch office in channeling financing to the Halal Industry Micro, small and medium enterprises, namely defects in the name of the customer concerned due to late payment of bills, problems when completing administrative requirements files because if one of the requirements is not completed then the financing cannot be continued , business constraints that are already running but the customer is dishonest regarding customer financial information, accounts payable or reports about business activities that the customer is running, and constraints from the bank itself, namely when the customer data input system has an error while doing financing.
Analisis Penerapan Akuntansi Zakat (PSAK 109) Pada Lembaga Amil Zakat Badan Amil Zakat Nasional (Baznas) Azyumardi Azra; Arsa Arsa; Laily Ifazah
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 5 (2025): September :Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i5.1664

Abstract

This study aims to understand the application of zakat accounting at LAZ BAZNAS Jambi City, to identify the obstacles in implementing zakat accounting at LAZ BAZNAS Jambi City, and to determine the suitability of the zakat accounting application at LAZ BAZNAS based on PSAK No. 109. This research uses a qualitative descriptive method, with data collected through interviews. The results of the study indicate that, first, the application of zakat accounting at BAZNAS Jambi City—based on the elements of recognition, measurement, and disclosure—has been implemented in accordance with PSAK No. 109. In terms of presentation, BAZNAS Jambi City provides cash flow financial reports, and the amil section is also included in the fund change report. Second, the obstacles faced by BAZNAS Jambi City include inefficiency in the distribution process in terms of time and energy, and the inability to use banking accounts. Other challenges are related to the lack of understanding and skills among human resources, the complexity of transactions, and insufficient government support to enable cooperation with banks, which would facilitate the distribution of zakat funds. Third, the conformity of zakat accounting application at BAZNAS Jambi City has been generally appropriate. However, in the presentation of financial statements, there are no changes in managed assets and no notes to the financial statements. Therefore, in terms of conformity, the financial statements of BAZNAS Jambi City are not yet fully in accordance with PSAK No. 109.
Pengaruh Beban Operasional dan Pendapatan Terhadap Laba Bersih Perusahaan Sub Sektor Food And Beverages Yang Terdaftar Issi Tahun 2019-2024 Pratama, Dimas; Arsa, Arsa; Kurniyati, Kurniyati
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7046

Abstract

Penelitian ini bertujuan untuk menganalisis dan membuktikan secara empiris pengaruh beban operasional dan pendapatan terhadap laba bersih pada perusahaan sub sektor food and beverages yang terdaftar di Indeks Saham Syariah Indonesia (ISSI) periode 2019–2024. Penelitian ini dilatarbelakangi oleh adanya fenomena ketidak konsistenan antara teori dan kondisi empiris, di mana peningkatan pendapatan tidak selalu diikuti oleh kenaikan laba bersih, serta peningkatan beban operasional pada beberapa perusahaan justru disertai peningkatan laba bersih. Kondisi ini menunjukkan adanya dinamika dalam pengelolaan keuangan perusahaan yang perlu dikaji lebih mendalam. Penelitian ini menggunakan pendekatan kuantitatif dengan metode verifikatif. Data yang digunakan merupakan data sekunder berupa laporan keuangan tahunan perusahaan selama enam tahun pengamatan. Teknik pengambilan sampel menggunakan purposive sampling, sehingga diperoleh tujuh perusahaan yang memenuhi kriteria penelitian. Metode analisis yang digunakan adalah regresi data panel dengan melalui tahapan uji pemilihan model terbaik, uji asumsi klasik, uji koefisien determinasi, uji t, dan uji F. Hasil penelitian menunjukkan bahwa secara parsial beban operasional berpengaruh signifikan terhadap laba bersih. Pendapatan juga berpengaruh signifikan terhadap laba bersih. Secara simultan, beban operasional dan pendapatan berpengaruh signifikan terhadap laba bersih perusahaan sub sektor food and beverages yang terdaftar di ISSI periode 2019–2024. Temuan ini menegaskan pentingnya pengelolaan pendapatan dan efisiensi biaya operasional dalam meningkatkan profitabilitas perusahaan.  
Pengaruh Label Halal dan Harga terhadap Keputusan Pembelian Skincare Camille Beauty pada Mahasiswa UIN STS Jambi Putri, Melda Yulika; Arsa, Arsa; Anggraeni, Lidya
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7062

Abstract

Perkembangan industri skincare di Indonesia menunjukkan peningkatan yang signifikan, terutama di kalangan mahasiswa sebagai generasi muda yang semakin sadar akan kesehatan dan penampilan. Dalam perspektif ekonomi syariah, keputusan pembelian tidak hanya dipengaruhi oleh aspek kualitas produk, tetapi juga oleh kehalalan serta kesesuaian harga. Penelitian ini bertujuan untuk menganalisis pengaruh label halal dan harga terhadap keputusan pembelian produk skincare Camille Beauty pada mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Sulthan Thaha Saifuddin Jambi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner kepada 95 responden yang dipilih menggunakan teknik purposive sampling. Data dianalisis menggunakan uji regresi linier berganda dengan bantuan uji validitas, reliabilitas, uji asumsi klasik, uji t, uji f, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa secara parsial label halal berpengaruh positif dan signifikan terhadap keputusan pembelian. Harga juga berpengaruh positif dan signifikan terhadap keputusan pembelian. Secara simultan, label halal dan harga bersama-sama berpengaruh positif dan signifikan terhadap keputusan pembelian skincare Camille Beauty pada mahasiswa FEBI UIN STS Jambi. Temuan ini mengindikasikan bahwa keberadaan label halal mampu meningkatkan kepercayaan konsumen, sedangkan penetapan harga yang terjangkau sesuai daya beli mahasiswa turut mendorong keputusan pembelian. Oleh karena itu, perusahaan perlu mempertahankan sertifikasi halal serta menetapkan strategi harga yang kompetitif guna meningkatkan minat dan loyalitas konsumen.
Fraud at Islamic Commercial Banks in Indonesia is Seen in Good Corporate Governance (GCG) and a Whistle-Blowing System Siregar, Erwin Saputra; Sari, Gusmila; Arsa, Arsa
MALIA: Journal of Islamic Banking and Finance Vol 6, No 2 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i2.14627

Abstract

This article discusses the dynamics of internal irregularities in Islamic commercial banks in Indonesia. This paper uses secondary data for 2017-2020, published annually by Islamic commercial banks. The sample of this study consisted of 10 Islamic commercial banks, which were determined based on the criteria and the availability of existing data. The data analysis is in the form of panel data regression analysis with the help of eviews and excels applications. This study indicates that partially the proportion of independent commissioners has a significant positive effect on fraud, and the variable number of audit committee meetings and the whistle-blowing system has no significant adverse effect on fraud. While simultaneously, the variable of good corporate governance with indicators of the proportion of independent commissioners, the number of audit committee meetings, and the whistle-blowing system have a significant positive effect on fraud in Islamic commercial banks in Indonesia for the 2017-2020 period.
Pengaruh Pertumbuhan Ekonomi dan Pengangguran terhadap Kemiskinan di Provinsi Jambi Beid Fitrianova Andriani; Arsa Arsa; Ferlinda Agustina
ARZUSIN Vol 6 No 2 (2026): APRIL
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i2.9262

Abstract

Poverty remains one of the major challenges faced by developing countries, including Indonesia, and its level in Jambi Province has tended to fluctuate in line with changes in regional economic conditions. In this context, economic growth and unemployment are viewed as two factors that may influence poverty. This study aimed to analyze the effects of economic growth and unemployment on poverty in Jambi Province. The study employed a quantitative approach using secondary data obtained from Badan Pusat Statistik (BPS). The analyzed data comprised a combination of time-series and cross-sectional data for the 2018–2024 period. The analytical method used was panel data regression with the Random Effect Model (REM) approach. The results showed that, partially, economic growth had a significant effect on poverty in Jambi Province, whereas unemployment had no significant effect. However, simultaneously, economic growth and unemployment jointly had a significant effect on poverty in Jambi Province. These findings indicate that poverty dynamics in Jambi Province are more closely associated with changes in economic growth, although both variables still exert a joint influence. Therefore, this study underscores the importance of formulating integrated economic policies to support poverty reduction efforts in Jambi Province.
Penerapan Kepatuhan Standardisasi Sertifikasi Halal pada UMKM di Kecamatan Telanai Pura Algian fahrozi; Arsa Arsa; Achyat Budianto
ARZUSIN Vol 6 No 2 (2026): APRIL
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i2.9263

Abstract

The issue of halal certification for micro, small, and medium enterprises (MSMEs) has become increasingly important in response to the growing demand for assurance of product halalness; however, studies examining business actors’ compliance after obtaining halal certification remain relatively limited. This study aimed to analyze the level of compliance among MSME actors in Telanai Pura Subdistrict, Jambi City, in implementing halal certification standards and to identify the obstacles they faced. The study employed a qualitative approach with a descriptive design. Informants were selected through purposive sampling from food MSME actors who had already obtained halal certification. Data were collected through interviews, observation, and documentation and were analyzed using the Miles and Huberman model. The findings showed that MSME actors generally demonstrated a fairly strong level of awareness and commitment in implementing halal principles, as reflected in their efforts to maintain raw materials, production processes, and internal supervision. However, this level of compliance was not yet fully optimal because they still faced several constraints, including limited financial resources, low employee understanding, inconsistent use of personal protective equipment, and difficulties in obtaining certain raw materials. These findings underscore that halal certification should not be understood merely as an administrative requirement, but must be accompanied by stronger internal systems, continuous guidance, and consistent supervision so that the implementation of halal standardization can be carried out more effectively.