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Pengaruh Pemahaman, Religiusitas dan Kualitas Pelayanan Terhadap Keputusan Nasabah Dalam Memilih Bank Syariah: Studi Kasus Masyarakat Kecamatan Sarolangun M. Arzil Khatami; Maulana Yusuf; Nurfitri Martaliah
AKUNTANSI 45 Vol. 5 No. 1 (2024): Jurnal Ilmiah Akuntansi
Publisher : Fakultas Ekonomi Program Studi Akuntansi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/akuntansi45.v5i1.2446

Customers' decisions to save are influenced by several internal and external factors such as financial literacy and promotions. Financial literacy reflects an individual's ability to understand financial concepts, financial products, and services and to control personal financial resources independently. Promotion is one of the determining factors for the success of a marketing program. This research aims to determine the influence of sharia financial literacy and promotions both spatially and simultaneously on customers' decisions in choosing Bank Riau Kepri Syariah products. This research approach uses a quantitative descriptive approach. Data was collected using questionnaires and field observations. The research results show that partially sharia financial literacy and promotion have an influence on customers' decisions in choosing Bank Riau Kepri Syariah products. Simultaneously, the variables of sharia financial literacy and promotion influence customers' decisions in choosing Bank Riau Kepri Syariah products with a percentage of 88.2%.

Pengaruh Perkembangan Bank Syariah sebelum dan Saat Covid-19 Hanifah Anisya Yualita; Anzu Elvia Zahara; Nurfitri Martaliah
Jurnal Ekonomi Islam Vol 2 No 2 (2023): August 2023
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/iefj.v2i2.90

This study aims to determine the difference between the Non-Performing Financing (NPF) ratio and the Ratio of Operating Income to Operating Expenses (BOPO) in Islamic Banks before and during Covid-19. The type of research used in this study is a descriptive type of research with a quantitative approach, the object of this study is Non-Perfoming Financing (NPF) as a variable (X1) and Operating Expenses Operating Income (BOPO) as a variable (X2). The time of this study was conducted from September 2, 2022 to September 14, 2022. The data source used in this study is secondary data sourced from the Financial Services Authority website through the OJK website. The population of this study is all shari'a banks registered with the Financial Services Authority (OJK). The sampling method used in this study was purposive sampling. The results of this study are that there is no difference in financing performance at shari'a banks before and during Covid-19. Based on a significance value of 0.562 with a profitability of 0.000 > 0.05, so that the NPF value before Covid-19 and during Covid-19 did not experience a significant difference. Based on the significance value of 0.577 with a profitability of 0.000 > 0.05, so that the result is no difference in the ratio of operating expenses to operating income (BOPO) in sharia banks before Covid-19 and during Covid-19 did not experience a significant difference.

PENGARUH LITERASI KEUANGAN SYARIAH DAN PROMOSI TERHADAP KEPUTUSAN NASABAH DALAM MEMILIH PRODUK BANK RIAU KEPRI SYARIAH Zulmi Randha Nadhea; Suhar; Nurfitri Martaliah
EKSYA : Jurnal Ekonomi Syariah Vol 5 No 1 (2024): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v5i1.1711

Customers' decisions to save are influenced by several internal and external factors such as financial literacy and promotions. Financial literacy reflects an individual's ability to understand financial concepts, financial products, and services and to control personal financial resources independently. Promotion is one of the determining factors for the success of a marketing program. This research aims to determine the influence of sharia financial literacy and promotions both spatially and simultaneously on customers' decisions in choosing Bank Riau Kepri Syariah products. This research approach uses a quantitative descriptive approach. Data was collected using questionnaires and field observations. The research results show that partially sharia financial literacy and promotion have an influence on customers' decisions in choosing Bank Riau Kepri Syariah products. Simultaneously, the variables of sharia financial literacy and promotion influence customers' decisions in choosing Bank Riau Kepri Syariah products with a percentage of 77.3%.

PENGARUH PERTUMBUHAN EKONOMI DAN PENGANGGURAN TERHADAP KEMISKINAN DI PROVINSI SUMATERA SELATAN Sherly Putri Utami; Novi Mubyarto; Nurfitri Martaliah
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 7 (2025): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i7.6081

Poverty is a condition that is often associated with economic inability to meet daily needs. Absolute poverty is measured based on the inability to meet minimum basic needs such as food, clothing, health, housing and education. The purpose of this thesis is to determine the effect of economic growth and unemployment on the poverty rate in South Sumatra Province in 2019-2023. The analysis method used is the Panel Data Regression Method. The results of the study showed that economic growth had a positive and significant effect on the poverty rate in South Sumatra Province in 2019-2023, so that the hypothesis (H1) proposed by the researcher was accepted with a significance value of 0.04 <0.05 with a t-statistic value of 2.1462813. Unemployment had a negative and insignificant effect on the poverty rate in South Sumatra Province in 2019-2023 in South Sumatra Province, so that the hypothesis (H2) proposed by the researcher was rejected with a significance value of 0.7056> 0.05 with a t-statistic value of -0.3826. Economic growth (X1) and unemployment (X2) together affect the poverty rate in South Sumatra Province in 2019-2023 in South Sumatra Province (Y) with a calculated F value of 2.914818 and a significant value of 0.04 <0.05, then Ho is rejected and Ha is accepted.

PENGARUH LINGKUNGAN KERJA DAN RELIGIUSITAS TERHADAP KINERJA PEGAWAI PERUSAHAAN UMUM DAERAH AIR MINUM TIRTA MUARO JAMBI Surni Nurlita; Usdeldi; Nurfitri Martaliah
JURNAL ILMIAH NUSANTARA Vol. 2 No. 6 (2025): Jurnal Ilmiah Nusantara
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i6.6224

This study aims to reveal the influence of work environment and religiosity on the performance of employees of Perumda Air Minum Tirta Muaro Jambi. This thesis uses a quantitative approach using multiple regression statistical analysis methods partially and simultaneously. The results of the study indicate that the independent variable Work Environment with a calculated t value on the Work Environment variable (X1) is 3.151 with a significance level of 0.000. Because the calculated t value is greater than the t table, namely (3.151> 1.307) and a significance value of 0.003 <0.05, Ho is rejected and Ha is accepted. So the Work Environment variable (X1) has an influence on the performance of employees of Perumda Air Minum Tirta Muaro Jambi partially. The independent variable of religiosity is obtained that the calculated t value on the religiosity variable (X2) is 12.272 with a significance level of 0.000. Because the calculated t value is greater than the t table, namely (12.272> 1.307) and the significance value is 0.000 <0.05, then Ho is rejected and Ha is accepted. So the religiosity variable (X2) has an influence on the performance of Perumda Air Minum Tirta Muaro Jambi employees partially. Based on the calculated F value (215.067)> F table (4.13) and the significant value (0.000) <a (0.05), it is concluded that Ho is rejected and Ha is accepted, meaning that the work environment and religiosity together or simultaneously influence the performance of Perumda Air Minum Tirta Muaro Jambi employees.

PEMAHAMAN LITERASI KEUANGAN TERHADAP LAPORAN KEUANGAN UMKM DI DESA SUNGAI DUREN Nurfitri Martaliah; Ilham Wisnu Herlambang; Trias Yudana
Nusantara Hasana Journal Vol. 5 No. 3 (2025): Nusantara Hasana Journal, August 2025
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v5i3.1619

This study aims to investigate the extent of understanding among Micro, Small, and Medium Enterprises (UMKM) regarding the role and benefits of financial reports. Although financial reports are vital for business continuity, many UMKM still do not understand and apply them properly. This study employed a descriptive qualitative approach by conducting in-depth interviews with eight UMKM in Sungai Duren Village engaged in the culinary, craft, and service sectors. The research findings indicate that the majority of UMKM only record basic transactions and have not yet prepared formal financial reports. The main causes of this low understanding are a lack of accounting education, limited training, and the perception that financial reports are only relevant for large companies. Relevant mentoring and education are needed so that UMKM can understand and utilize financial reports to develop their businesses.

ANALISIS PERILAKU KONSUMEN DALAM PENGAMBILAN KEPUTUSAN PEMBELIAN PADA USAHA MANDIRI FURNICHIA FURNITURE DI KECAMATAN SUNGAI GELAM MENURUT PERSPEKTIF ISLAM Suci Ramadani Harahap; Anzu Elvia Zahara; Nurfitri Martaliah
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.v1i4.239

Furniture is a term that refers to objects that are used to support human activities in the room, such as sitting, lying down, eating, working, or storing goods. Furniture is an important part of the interior design of a room, because apart from its practical function, furniture also provides aesthetics and an atmosphere that is in accordance with the style and purpose of the room. The researcher uses qualitative research methods. Qualitative research methods are research approaches that focus on deep understanding of social phenomena or human life. This method collects and analyzes descriptive data, such as interviews, observations, or document analysis to explore meanings, patterns, and interpretations of the information collected on consumer behavior in different Furnichia Furniture independent businesses. Monthly income data obtained from research, it is known that some respondents in this study have their own way of determining the payment method used to buy furniture products. Some respondents who consume according to their financial capabilities will choose the cash payment method. And there are also those who do consumption, choosing the payment method in installments. Part of the consumption behavior of consumers in the independent business of Furnichia Furniture has not fully implemented the consumption guidelines taught in Islam. Consumption activities that are carried out sometimes just want to fulfill their desires without seeing the benefits. Buying Furniture products because they are influenced by friends or the environment so they don't think about whether the purchase is in accordance with their financial capabilities or not.

BAGI HASIL PERTANIAN SEMANGKA DALAM PRESPEKTIF EKONOMI ISLAM ( Studi Kasus Di Desa Talang Bukit ) Defri Amanda; Eja Armaz Hardi; Nurfitri Martaliah
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 2 No. 1 (2024): Januari : 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.v2i1.254

This research aims to find out the profit sharing in watermelon farming in Talang Bukit village and find out the overview of Islamic economics in watermelon farming practices in Talang Bukit village. This research uses qualitative methods with a field research approach and data collection through observation, interviews and documentation. The results of this research show that the profit sharing system for watermelon farming cooperation in Talang Bukit Village, Kec. North Bahar District. Muaro Jambi is carried out by two parties, namely between the land owner and the cultivator in the form of an oral statement, based on trust and without presenting witnesses with a profit sharing system, namely parohan or pertelon depending on the agreement at the beginning of the contract, and the time period is not clearly specified. In its implementation, the watermelon farming cooperation agreement in Talang Bukit Village, North Bahar District, Muaro Jambi Regency aims to help each other among humans. However, in terms of covering losses, it can be said to be in conflict with the jumhur ulama, because in practice if a loss occurs then only one party will bear it. In this way, one party feels disadvantaged. However, land owners and cultivators are still willing to implement a profit sharing system because this is driven by necessity.

Pengaruh Dana Pihak Ketiga, Financing to Deposit Ratio dan Non Performing Finacing Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah di Indonesia Tahun 2018-2022 Wawan Hendriawan; Erwin Saputra Siregar; Nurfitri Martaliah
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 2 No. 1 (2024): Januari : 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.v2i1.345

Financing is one type of sharia banking activity which is meant by financing is the provision of funds or bills which are equivalent to profit sharing transactions in the form of mudharabah and musyarakah, rental transactions in the form of ijarah or hire purchase in the form of ijarah, mutaniya bittamlik, sale and purchase transactions in in the form of murabhahah, salam and istisna receivables, lending and borrowing transactions in the form of qards and service rental transactions in the form of ijarah for multi-service transactions. This research aims to determine the influence of DPK, FDR and NPF on murabahah financing in Islamic commercial banks for the 2018-2022 period. This type of quantitative research, the data used is secondary data taken from the OJK website. This research uses the multiple linear regression method. The research results show that the variables third party funds (DPK), financing to deposit ratio (FDR) and non-performing financing (NPF) simultaneously have a significant influence on murabahah financing in Islamic commercial banks for the 2018 - 2022 period.

KERJASAMA PENGELOLAAN KEBUN (MUKHABARAH) DAN DAMPAKNYA TERHADAP PENDAPATAN MASYARAKAT DESA KERTOPATI M. Darul Qutni; A.A Miftah; Nurfitri Martaliah
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 2 No. 1 (2024): Januari : 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.v2i1.348

This research aims to determine cooperation in agricultural land management and its impact on the income of the Kertopati Village community. This research is qualitative type using primary and secondary data sources. The object of this research is a number of communities who collaborate with . Data was obtained directly from respondents by carrying out data analysis methods, namely observation, interviews and personal documentation, then the data was processed using data processing techniques. The results of the research show that: That the mechanism for implementing cooperation in managing gardens uses the Mukhabarah agreement in Kertopati Village, which has two mechanisms for carrying out cooperation with the Mukhabarah agreement or profit sharing system. Then the profit sharing or Bagi due hasil system is able to provide welfare to people who do not own land at all but have capital. And the people of Kertopati Village who work as farmers have carried out Bagi due hasil in accordance with the Mukhrabah agreement indirectly, because they initially knew that the systems in the Bagi due hasil process were part of the application of customs but had been synchronized by religious leaders in accordance with views in the Islamic religion.

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