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STRATEGI PENGELOLAAN WAKAF TUNAI DI MASJID AGUNG BAITUL MA’MUR KOTA BANGKO KABUPATEN MERANGIN JAMBI Felly Pratama Putra; Putri Apria Ningsih; Nurfitri Martaliah
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 1 No. 3 (2024): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v1i3.2513

This study aims to determine the procedure for depositing waqf and knowing the management strategy of cash waqf funds at the Baitul Ma'mur Grand Mosque, Pematang Kandis Village, Bangko District, Merangin Regency. This research is a descriptive qualitative research with observation, interview, and documentation collection techniques, using data analysis techniques in the form of reduction, data presentation, and drawing conclusions. Then the validity of the data is carried out by triangulation. The results showed that 1) The procedure for receiving Waqf at the Baitul Ma'mur Grand Mosque, Pematang Kandis Village, Bangko District, Merangin Regency through buying and selling transactions based on the Qur'an, namely buying and selling between Allah and His servants based on or the basis used in buying and selling at the Baitul Ma'mur Great Mosque is Ali Imron verse 92 and At-Taubah verse 111, the sale made is the type described in the Qur'an as buying and selling between the servants of Allah and Allah which is generally categorized in the form of worship rather than muamalah. 2) Cash Waqf Fund Management Strategy at Baitul Ma'mur Great Mosque Pematang Kandis Village, Bangko District, Merangin Regency with the way of wakif relinquishing ownership of the property that was originally owned, to be used for the benefit of the people/mauquf 'alaih. With the release of the ownership, the waqf property becomes "belongs to Allah". To maintain the continuity of the benefits of the waqf property, the management of the waqf property is entrusted to the Wali/Nadzir with a cash waqf period, namely waqf muabbad or waqf forever, which from its use for the construction of the Great Baitul Ma'mur mosque, the funds have been allocated and realized in the physical form of the Baitul Ma'mur Grand Mosque building.

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%.

Potensi Usaha Mikro Kecil Menengah Iggo Kuliner Jambi Dalam Meningkatkan Halal Food Di Kota Jambi Nurfitri Martaliah; Titin Agustia Ningsih; Saslina Saslina
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 5 No. 1 (2023): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

This study aims to find out the potential for developing Halal Food by Jambi Iggo Culinary UMKM, as well as to find out the obstacles faced by Jambi Iggo Culinary UMKM in implementing Halal Food, this research is of a qualitative type. The objects of this research are the owners, employees and regular consumers of UMKM Iggo Culinary Jambi. The data sources used are primary data and secondary data. Data were obtained directly from 15 respondents using data analysis methods, namely observation, interviews and personal documentation, then the data was processed using data processing techniques. The results showed that: In carrying out the potential for developing halal food, UMKM Iggo Culinary Jambi carried out four items that became indicators of the success of UMKM Iggo Culinary Jambi, namely as follows, Increasing the components of food products used, Increasing diversity in production, Increasing distribution and supply of products (halal logistics), Increasing the balance of product composition, In implementing the development potential carried out by UMKM Iggo Culinary Jambi, there are obstacles faced by UMKM Iggo Culinary Jambi, along with the obstacles: Lack of availability of product food ingredients, Unfair competition , There are suppliers who commit fraud against the halal logo on the product.

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.

Faktor-Faktor Yang Mempengaruhi Realisasi Penerimaan Pajak Bumi Dan Bangunan Pedesaan Dan Perkotaan (PBB-P2) Di Kecamatan Dendang Kabupaten Tanjung Jabung Timur Tri Sugiharto; Elyanti Rosmanidar; Nurfitri Martaliah
Akuntansi Vol. 2 No. 2 (2023): Juni : Jurnal Riset Ilmu Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v2i2.237

Abstract The purpose of this study was to determine and analyze the effect of PAD (X1), number of taxpayers (X2), number of residents (X3), number of regions (X4) and GRDP (X5) simultaneously and partially influencing PBB-P2 revenue in the District. Dendang, Dendang District, East Tanjung Jabung Regency. This type of research is quantitative with panel data in the period 2017-2021. The data analysis used is panel data regression. The results showed that the statistical value in this study was 12.43099 (Fcount > Ftable = 2.49), while the probability value was 0.000 (P<0.05). This means that simultaneously PAD (X1), number of taxpayers (X2), total population (X3), number of regions (X4) and GRDP (X5) have a significant effect on PBB-P2 revenue in Kandis City Village, Dendang District, Tanjung Jabung Regency East. Partially, PAD has a tcount of -3.051742 with a ttable value of 1.68957 (tcount > ttable), while the probability value is 0.0057 (P<0.05). This means that partially, PAD has a significant effect on PBB-P2 revenue in Dendang District. The conclusion of PAD (X1) partially on PBB-P2 revenue in Dendang District, East Tanjung Jabung Regency, while the number of taxpayers (X2), population (X3), number of regions (X4) and GRDP (X5) partially have no effect on revenue PBB-P2 in Dendang District, East Tanjung Jabung Regency.

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.

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