Article Per Year (5 Year)
p-Index From 2021 - 2026
5.639
P-Index
This Author published in this journals
All Journal Jurnal Kajian Ekonomi Journal of Management Review JURNAL PENDIDIKAN TAMBUSAI IMARA : Jurnal Riset Ekonomi Islam JUSIE (Jurnal Sosial dan Ilmu Ekonomi) INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan ALSYS : Jurnal Keislaman dan Ilmu Pendidikan ANWARUL: Jurnal Pendidikan dan Dakwah ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Al-DYAS : Jurnal Inovasi dan Pengabdian kepada Masyarakat Transformasi: Journal of Economics and Business Management AHKAM : Jurnal Hukum Islam dan Humaniora Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Innovative: Journal Of Social Science Research J-ISACC : Journal of Islamic Accounting Competency Trending: Jurnal Manajemen dan Ekonomi Jurnal Riset Manajemen dan Ekonomi Jurnal Riset Ekonomi dan Akuntansi Transforma: Jurnal Manajemen Kompartemen: Kumpulan Orientasi Pasar Konsumen Ekonomi Keuangan Syariah dan Akuntansi Pajak Akuntansi Pajak dan Kebijakan Ekonomi Digital Journal of Visionary Sharia Economy (JOVISHE) PESHUM Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Jurnal Ilmiah Manajemen Dan Kewirausahaan
Novera Martilova
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

Published : 37 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 37 Documents
Search

 1   2   3   4 
The Effect of Inflation And Interest Rates on The Exchange Rate of The Rupiah In Indonesia From 1993 To 2023 Efendi, Mesty Asyura; Martilova, Novera; Elmizan, Gina Havieza; Widianita, Rika
International Journal of Education, Information Technology, and Others Vol 8 No 4 (2025): International Journal of Education, information technology   and others
Publisher : Peneliti.net

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

Abstract

The resulting globalization resulted in interactions between several countries with other countries in various parts of the world, resulting in international trade. In trade between countries, there are differences between countries, namely currency which is one of the characteristics. The benefit of this study is to see whether there is an influence of independent variables on dependent variables. In this study using an approach, this study uses time series data from 1993 to 2023, time series data obtained from the source of the Central Statistics Agency of West Sumatra Province. This study uses several test models including descriptive statistical tests, normality tests, autocorrelation, heteroscedasticity, multicollinearity, multiple linear regression, R² test, t test, and f test. The data obtained were processed using SPSS statistics version 26. The test carried out on the t test has a positive influence on the exchange rate t_calculated (4.577) > t_table (2.048), significant 0.000 <0.05. The test conducted on (X2) found that the interest rate had a negative effect on the exchange rate t_count (4.561) > t_table (2.048), with a significance of 0.000 < 0.05. The results of the f test conducted showed that inflation and interest rates equally affected the interest rate with a t_count value of 11.153 > t_table 3.33, and a significance of 0.00 < 0.005. The test conducted simultaneously using R square 0.443 / 44.3%, the test results together affected the exchange rate by 44.3% which means weak distribution, for 55.7% of 44.3% outside the variables studied.
Peran Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) dalam Peningkatan Perekonomian Masyarakat Padang Panjang Juliana, Halda Refisa; Martilova, Novera
Jurnal Pendidikan Tambusai Vol. 10 No. 2 (2026): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i2.38090

Abstract

Penelitian ini menganalisis peran Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) Hidup Berkah Bermakna (HBB) Padang Panjang dalam meningkatkan perekonomian masyarakat. Menggunakan pendekatan kualitatif dengan wawancara dan observasi, penelitian menemukan empat peran utama KSPPS, yaitu sebagai lembaga keuangan mikro syariah, peningkat akses keuangan, pendukung penguatan UMKM, serta pemberi dampak sosial- ekonomi bagi anggota. Hasil penelitian menunjukkan bahwa KSPPS HBB berperan cukup signifikan, terutama dalam membantu masyarakat terbebas dari ketergantungan pada rentenir melalui pembiayaan syariah yang lebih terjangkau. Meski demikian, KSPPS masih menghadapi kendala berupa rendahnya literasi keuangan, keterbatasan modal, keterbatasan sumber daya manusia, dan risiko kredit macet. Secara keseluruhan, peran KSPPS HBB terbukti berkontribusi positif terhadap peningkatan kesejahteraan ekonomi masyarakat.
Pengaruh Program Jaminan Hari Tua BPJS Ketenagakerjaan terhadap Kesejahteraan Finansial Pekerja Bukan Penerima Upah pada Kantor Cabang BPJS Ketenagakerjaan Lima Puluh Kota Anisa Ramadani; Novera Martilova
ARZUSIN Vol 6 No 3 (2026): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i3.9854

Abstract

Employment social security programs, particularly the Old-Age Security Program (JHT), have received attention in various previous studies; however, studies that specifically examine their effect on the financial well-being of non-wage workers (BPU) at the local level remain limited. This study aimed to analyze the effect of the JHT program on the financial well-being of BPU workers in Lima Puluh Kota Regency. This study used a quantitative approach with a survey design. The research respondents were BPU workers selected through purposive sampling. Data were collected using a questionnaire that had been tested for validity and reliability, and were then analyzed using simple linear regression with the assistance of SPSS. The results showed that the JHT program had a significant effect on financial well-being, as indicated by a calculated t-value of 4.294, which was greater than the t-table value of 1.997, with a significance level of 0.000 < 0.005. However, the contribution of the JHT program to financial well-being was relatively limited, as shown by a coefficient of determination of 22.1%. These findings indicate that the financial well-being of BPU workers is also influenced by factors beyond the JHT program. This study contributes to the development of studies on financial well-being and life-cycle theory, while also expanding understanding of the role of social security in the context of informal sector workers. The implications of this study emphasize the importance of optimizing the JHT program, improving social security literacy, and strengthening the participation of BPU workers as efforts to support more sustainable financial well-being.
Pengaruh Kualitas Layanan, Kepercayaan dan Keamanan Produk BSI Mobile terhadap Kepuasan Nasabah Bank Syariah Indonesia KCP Dhamasraya Mahendra, Opi; Martilova, Novera
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10116

Abstract

Service quality, trust, and product security in mobile banking have received attention in various studies, but research specifically analyzing the influence of these three variables on customer satisfaction among BSI Mobile users at Bank Syariah Indonesia Dharmasraya Sub-Branch Office remains limited. This study aims to analyze the influence of service quality, trust, and BSI Mobile product security on customer satisfaction, both partially and simultaneously. This study used a quantitative approach with a survey design, involving 100 respondents selected through purposive sampling. Data were collected using a questionnaire developed based on the indicators of the research variables and were then analyzed using multiple linear regression with the assistance of the Statistical Package for the Social Sciences (SPSS) application. The results showed that service quality, trust, and product security had a positive and significant effect on customer satisfaction among BSI Mobile users. Service quality was the most dominant factor influencing customer satisfaction, with a regression coefficient of 0.352 and a significance level of 0.000. In addition, trust and product security were also proven to have a significant effect on customer satisfaction, with significance values of 0.000 and 0.002, respectively. The conclusion of this study affirms that improving digital service quality, strengthening customer trust, and ensuring electronic transaction security are important factors in increasing user satisfaction with mobile banking services in Islamic banking. These findings contribute to the development of studies on service quality, trust, and information system security in the context of Islamic banking digital services, while also providing practical implications for strengthening the quality of BSI Mobile services.
Pengaruh Likuiditas, Pertumbuhan Penjualan, dan Struktur Aset terhadap Struktur Modal pada Perusahaan Sub Sektor Industri Barang yang Terdaftar di Bursa Efek Indonesia Periode 2020-2024 Amalix Pajar; Novera Martilova
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11682

Abstract

Although capital structure is an important aspect of corporate financial management and various studies have examined the factors that influence it, research on the effects of liquidity, sales growth, and asset structure among goods industry subsector companies listed on the Indonesia Stock Exchange remains limited. This study aimed to analyze the effects of liquidity, sales growth, and asset structure on the capital structure of goods industry subsector companies listed on the Indonesia Stock Exchange during the 2020–2024 period. This study employed a quantitative approach with a causal design. The research sample consisted of eight companies selected through purposive sampling, resulting in 40 observational units. Secondary data in the form of annual financial statements were collected through the documentation method and analyzed using multiple linear regression with the assistance of IBM SPSS Statistics version 26. The results showed that, partially, liquidity had a significant effect on capital structure, whereas sales growth and asset structure had no significant effects. Simultaneously, liquidity, sales growth, and asset structure had a significant effect on capital structure. These findings reinforce the relevance of Pecking Order Theory, Trade-Off Theory, and Signaling Theory in explaining the factors that influence corporate financing decisions. This study confirms that liquidity is an important factor that must be considered in determining capital structure, whereas sales growth and asset structure need to be analyzed together with other financial factors. Theoretically, this study enriches the literature on the determinants of capital structure, whereas practically, its findings may serve as a consideration for corporate management, investors, and creditors in formulating more effective financing decisions. Future research is recommended to incorporate additional variables and broaden the research objects to obtain more comprehensive results.
Peranan Relationship Marketing pada Keputusan Nasabah dalam Menggunakan Tabungan IB Haji di PT Bank KB Bukopin Syariah Cabang Bukittinggi Devi Sri Mulyani; Novera Martilova
ALSYS Vol 4 No 3 (2024): ALSYS: Jurnal Keislaman dan Ilmu Pendidikan
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/alsys.v4i3.2932

Abstract

This research is motivated by fluctuations in the percentage increase in the number of savings customers. IB Hajj at PT Bank Kb Bukopin Syariah Bukittinggi Branch, because relationship marketing is an approach taken by Relationship Officers to prospective customers. Current research aims to find out what or how the Role of Relationship Marketing on Customer Decisions in Using IB Hajj Savings at PT Bank Kb Bukopin Syariah Bukittinggi Branch. The research conducted by the author is using a method with a qualitative approach, where the data sources taken by the author are primary data and secondary data. As for the data collection techniques, namely observation techniques, interviews and field documentation techniques. And the data analysis technique carried out by the author is obtained through data analysis, namely reduction, display, conclusions and data verification. Through the results of research and analysis that has been done by the author, it can be concluded that relationship marketing is very instrumental in making customer decisions in using IB Hajj savings at PT Bank KB Bukopin Syariah Bukittinggi Branch. This can be seen from the increasing number of customers, increasing the trust of prospective customers in making decisions to use IB Hajj savings, establishing a good relationship between prospective customers and the bank and can also establish a good relationship between prospective customers and PT Bank KB Bukopin.
Analisis Aktivitas Penghimpunan dan Penyaluran Dana Berdasarkan Konsep Mudharabah di Bank Nagari Syariah Solok Diky Nafisa Ihsan; Novera Martilova; Sandra Dewi
ANWARUL Vol 4 No 5 (2024): ANWARUL: Jurnal Pendidikan dan Dakwah
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/anwarul.v4i5.3788

Abstract

This research aims to analyze fund raising and distribution activities based on the Mudharabah concept at Bank Nagari Syariah Solok. Bank Nagari Syariah is a financial institution based on Islamic Sharia principles which aims to improve community welfare through improving economic business performance. This research uses a qualitative descriptive approach by collecting data through interviews and documents from Bank Nagari Syariah. The results of this research show that the number of customers collecting funds through savings, deposits and current accounts continues to increase in the 2019-2023 period. This reflects the high level of public trust in Bank Nagar Syariah Solok. In addition, the increase in the number of customers who share money through mudharabah products for both investment and working capital shows the important role of Bank Nagari Syariah in supporting the real sector and micro, small and medium enterprises. (UMKM) Based on the results of the research conducted, it can be concluded that the mudharabah concept implemented at Bank Nagar Syariah Solok is effective in collecting and distributing funds and has great potential in consistently improving the community's economy. . with sharia principles, but the biggest challenge is a lack of understanding. to the public about sharia products that require additional education from the bank.
Co-Authors Agustria, Fadilah Ali Riri, Marta Amalix Pajar Amelia Amelia Amelia Amelia Amsah Hendri Doni Anisa Ramadani Aprilia Shelina Azizah, Wannur Baginda Parsaulian Cindy Kurnia Rahim Devi Sri Mulyani Diky Nafisa Ihsan Dinda Tiara Dini Abdianti Efendi, Mesty Asyura Efrizal Syofyan Etika Rahma Fatimah Balqis Azzahra Gina Havieza Elmizan Halim Halim, Halim Halisa Nugrah Lubis Hasdi Aimon Ilham Syukmatullah Juliana, Halda Refisa Kahdijah Nurani Kevin Afrizal Saputra Kurnia Rahim, Cindy Lidya Agustin Mahendra, Opi Mariatul Qoftia Marselino, Nugi Mia Marsanda Muhammad Rais Nini Sumarni Pratama, Bayu Akbar Ramadhani, Fadhila Rahadatul Rani Rahmawati Reski Ramadhani Rika Widianita Riva Almaheni Rufi'i Ryan Cahyadi sandra dewi Sanya, Sanya Selma Octaliana Stefanny Angelina Firdaus Suci Aulia Fitri Sutia Putri Syaputra, Fery Yunas Syukria Mardhatillah Viranda Oktavia Yolanda, Olivia