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Analisis Kemudahan Penggunaan, Efisiensi dan Keamanan Terhadap Minat Nasabah Bertransaksi Menggunakan BSM Mobile Banking Pada Bank Syariah Mandiri Kantor Cabang Payakumbuh Sandra Dewi; Sabri Sabri; Vina Pandu Winata
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 2, No 2 (2018): Juli-Desember 2018
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v2i2.723

This study aims to determine the effect of ease of use, efficiency and security on the interest in transactions using BSM Mobile Banking. To conduct discussions and research, using primary data directly obtained from the object of research through a structured list of statements or questionnaires that have been answered by respondents, this study uses the help of SPSS version 15, and data testing techniques use binary logistic regression analysis. The results of the analysis show that ease of use, efficiency and security have a positive and significant influence on the interest in transacting using BSM Mobile Banking, both partially and simultaneously. The most dominant variable influencing the interest in transacting using BSM Mobile Banking is efficiency.

Analisis Kemudahan Penggunaan, Efisiensi dan Keamanan Terhadap Minat Nasabah Bertransaksi Menggunakan BSM Mobile Banking Pada Bank Syariah Mandiri Kantor Cabang Payakumbuh Sandra Dewi; Sabri Sabri; Vina Pandu Winata
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 2, No 2 (2018): Juli-Desember 2018
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

This study aims to determine the effect of ease of use, efficiency and security on the interest in transactions using BSM Mobile Banking. To conduct discussions and research, using primary data directly obtained from the object of research through a structured list of statements or questionnaires that have been answered by respondents, this study uses the help of SPSS version 15, and data testing techniques use binary logistic regression analysis. The results of the analysis show that ease of use, efficiency and security have a positive and significant influence on the interest in transacting using BSM Mobile Banking, both partially and simultaneously. The most dominant variable influencing the interest in transacting using BSM Mobile Banking is efficiency.

Obstacling Factors the Role of Sharia Banking in Achieving SDGS1 (No Poverty) as a Sustainable Development Goal Sandra Dewi; Yaswirman Yaswirman; Rudi Febriamansyah; Henmaidi Henmaidi
Kontigensi : Jurnal Ilmiah Manajemen Vol 12 No 1 (2024): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v12i1.512

The purpose of this study are factors that inhibit the role of Islamic banking in achieving SDGs1 (No Poverty) as a sustainable development goal in the city of Bukittinggi, West Sumatra. This research methodused is the application of the Delphi method which aims to obtain the agreement of experts who have high reliability values through a series of questionnaires accompanied by feedback on the agreement. The Delphi method will be related to expert opinions with the aim of agreement with experts who have high reliability on mastery of learning design and ecoliteracy skills through a series of questionnaires accompanied by feedback on the agreement. The results of this studyare known that the factors that inhibit the role of Islamic banking in achieving SDGs1 (no poverty) as a sustainable development goal stakeholders do not agree with the Demographic Culture factor because people know the existence of Indonesian sharia bank BSI Bukittinggi City has strong legal force. For the SME factor, all stakeholder respondents did not agree with the Hobby factor because many hobby factors did not provide a background for MSE Pekaku Bukittinggi City but as an economic added value. Therefore, a consensus was obtained that in BSI Bukittinggi City, namely the Demographic Culture factor and in SMEs, the hobby factor is not used because these factors are not 86 influential in the development of SDGs1 (no poverty) achievement centers as public spaces in the research area.

ANALISIS PENGARUH FASILITAS DAN HARGA TERHADAP LOYALITAS PENGHUNI RUMAH KOS-KOSAN (STUDI KASUS: RIDHO RIZKY DI PERUMAHAN DARUSSALAM) Suci Rahmadani; Sandra Dewi
Jurnal Ekonomi dan Bisnis Vol. 1 No. 3 (2023): JEBI: Jurnal Ekonomi dan Bisnis
Publisher : CV. Adiba Aisha Amira

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This study was conducted to analyze and determine the effect of facilities and prices on customer loyalty of boarding house service businesses. Using quantitative descriptive methods, primary and secondary data as data sources. Using the total sampling technique method, so that all boarding house residents as a population are used as samples. For data collection, observation and questionnaire distribution were carried out. Data processing techniques use quality tests, classical assumption tests and hypothesis tests. to analyze data using descriptive analysis and multiple linear regression analysis using the SPSS 26 program. The results obtained from multiple linear regression analysis Y = -0.153 + 0.576X1 + 0.412X2. This is evidenced by the t test, which shows that the variable value of facilities has a significant positive influence on the loyalty of boarding house residents, with the t-value calculated > t table which is 11.725 > 1.998 so that it can be declared Ha accepted. The price variable has a significant positive influence on loyalty which can be shown by the value of t calculated > t table which is 11.309 > 1.778, it can be stated that Ha is received. The test shows that facilities and prices partially have a significant effect on loyalty with the value of f calculated > f table which is 88.372 > 3.14. With the value of the coefficient of determination, it shows that the effect of facilities and prices on the loyalty of boarding house residents is 0.701. From the findings conducted by statistical testing of facilities and prices on loyalty has a strong contribution indication of 70.1% which affects loyalty.

Analisis Pencatatan Keuangan Pemberdayaan Kesejahteraan Keluarga (PKK) di Jorong IV Kampuang, Nagari Kamang Hilia, Kecamatan Kamang Magek Atika Fajria; Sandra dewi
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 4 (2025): Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Pencatatan keuangan yang akuntabel merupakan aspek penting dalam mewujudkan transparansi dan integritas pengelolaan organisasi masyarakat, termasuk organisasi Pemberdayaan Kesejahteraan Keluarga (PKK). Penelitian ini bertujuan untuk menganalisis praktik pencatatan keuangan PKK di Jorong IV Kampuang, Nagari Kamang Hilia, Kecamatan Kamang Magek, serta mengidentifikasi kendala yang dihadapi dalam pengelolaannya. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Teknik pengumpulan data dilakukan melalui wawancara dengan pengurus PKK, observasi langsung terhadap proses pencatatan keuangan, serta analisis deskriptif terhadap dokumen keuangan yang tersedia. Hasil penelitian menunjukkan bahwa pencatatan keuangan masih dilakukan secara manual dengan format sederhana dan belum terstandarisasi, sehingga berdampak pada keterbatasan arus informasi keuangan kepada anggota dan pemangku kepentingan. Kondisi tersebut berpotensi menurunkan tingkat transparansi dan akuntabilitas organisasi. Oleh karena itu, diperlukan pelatihan dasar pengelolaan keuangan serta penyusunan format pencatatan keuangan yang terstandar guna meningkatkan akurasi, keteraturan, dan akuntabilitas pengelolaan keuangan organisasi PKK. Accountable financial record-keeping is a crucial aspect of ensuring transparency and integrity in the management of community organizations, including the Family Welfare Empowerment Organization (Pemberdayaan Kesejahteraan Keluarga/PKK). This study aims to analyze the financial record-keeping practices of PKK in Jorong IV Kampuang, Nagari Kamang Hilia, Kamang Magek District, and to identify the challenges encountered in its financial management. This study employs a qualitative approach using a case study method. Data were collected through interviews with PKK administrators, direct observation of the financial record-keeping process, and descriptive analysis of available financial documents. The findings indicate that financial records are still maintained manually using simple and non-standardized formats, which limits the flow of financial information to members and stakeholders. This condition has the potential to reduce the organization’s level of transparency and accountability. Therefore, basic financial management training and the development of standardized financial recording formats are necessary to improve the accuracy, organization, and accountability of financial management within the PKK organization

Sosialisasi Etika Jual Beli Rasulullah untuk Menanamkan Nilai Bisnis Syariah Siswa SDIT Ibnu Abbas Kamang Fatma Syafrila Yeni; Sandra Dewi
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 4 (2025): Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Artikel ini membahas pentingnya pengenalan konsep jual beli Islam sejak dini melalui kegiatan sosialisasi bertajuk “Menanamkan Nilai-Nilai Bisnis Syariah Sejak Dini” yang dilaksanakan di SDIT Ibnu Abbas, Kamang Hilir, Kecamatan Kamang Magek. Kegiatan ini bertujuan untuk mengenalkan konsep halal dan haram dalam transaksi, serta dasar-dasar etika bisnis Islam kepada siswa sekolah dasar. Penanaman nilai-nilai bisnis syariah sejak usia dini merupakan langkah strategis dalam membentuk karakter generasi muda yang jujur, amanah, dan beretika dalam berwirausaha. Metode pelaksanaan kegiatan menggunakan pendekatan partisipatif melalui ceramah interaktif, pemutaran video animasi edukatif, serta sesi tanya jawab yang disesuaikan dengan tingkat perkembangan kognitif siswa. Hasil kegiatan menunjukkan bahwa siswa mampu memahami konsep dasar etika bisnis syariah, seperti kejujuran, amanah, larangan penipuan, serta pentingnya niat yang baik dalam bertransaksi. Pendekatan yang kontekstual dan menyenangkan terbukti efektif dalam menanamkan nilai-nilai bisnis syariah secara dini dan berkelanjutan. This article discusses the importance of introducing Islamic buying and selling concepts from an early age through a socialization activity entitled “Instilling Sharia Business Values from an Early Age,” which was conducted at SDIT Ibnu Abbas, Kamang Hilir, Kamang Magek District. The activity aimed to introduce the concepts of halal and haram in transactions, as well as the basic principles of Islamic business ethics to elementary school students. Instilling Sharia business values from an early age is a strategic step in shaping the character of the younger generation to be honest, trustworthy (amanah), and ethical in entrepreneurship. The activity was implemented using a participatory approach through interactive lectures, the screening of educational animated videos, and question-and-answer sessions tailored to the students’ stages of cognitive development. The results indicate that students were able to understand the basic concepts of Sharia business ethics, such as honesty, trustworthiness, the prohibition of fraud, and the importance of good intentions in transactions. A contextual and enjoyable approach proved effective in instilling Sharia business values from an early and sustainable perspective

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