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Pengaruh Budaya dan Persepsi Masyarakat terhadap Keputusan Menabung di Bank Syariah Supiani Supiani; Fawza Rahmat; Fajar Budiman
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 1 (2021): January - June 2021
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i1.2618

Rendahnya pemahaman dan pengetahuan masyarakat terhadap bank syariah, terutama yang disebabkan dominasi bank konvensional, sebuah fenomena bahwa budaya dan persepsi masyarakat mempengaruhi keputusan menabung. Adapun yang menjadi tujuan dalam penelitian ini adalah: (1) untuk mengetahui sejauh manakah pengaruh budaya terhadap keputusan menabung; (2) untuk mengetahui sejauh manakah pengaruh persepsi masyarakat terhadap keputusan menabung; (3) untuk mengetahui sejauh manakah pengaruh budaya dan persepsi masyarakat secara bersama-sama terhadap keputusan menabung.Jenis penelitian adalah penelitian kuantitatif. Pendekatan penelitian yang digunakan adalah penelitian survey yang termasuk kategori explanatory research yaitu penelitian yang bertujuan untuk menganalisis hubungan-hubungan antara satu variabel dengan variabel lainnya. Data primer diperoleh dari penyebaran kuesioner. Populasi dalam penelitian ini sebanyak 150 orang dan sampel sebanyak 44 orang yang diambil dengan menggunakan rumus slovin.Hasil penelitian menunjukkan bahwa terdapat pengaruh yang signifikan antara budaya dan persepsi masyarakat terhadap keputusan menabung di Bank Nagari Cabang Pembantu Syariah Simpang Empat. Budaya tidak berpengaruh signifikan terhadap keputusan menabung. Persepsi masyarakat berpengaruh signifikan terhadap keputusan menabung.Sehingga dapat disimpulkan bahwa variabel budaya dan persepsi masyarakat secara bersama-sama berpengaruh signifikan terhadap keputusan menabung dan hipotesis penelitianya teruji. Key Word : Budaya, Persepsi Masyarakat, Keputusan Menabung.

Pengaruh Fluktuasi Harga Emas terhadap Keputusan Nasabah Bertransaksi di Pegadaian : (Studi Kasus Pegadaian Simpang Empat) Hayati Hayati; Fawza Rahmat; Yossi Eriawati
Transformasi: Journal of Economics and Business Management Vol. 3 No. 3 (2024): September : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v3i3.1945

This research is motivated by the influence of gold price fluctuations on customer decisions to transact at Pegadaian (Case Study of Simpang Empat Pegadaian). With the aim of knowing how influential gold price fluctuations are on customer decisions to transact at Simpang Empat Pawnshop. This research uses quantitative methods. The population in this study were Simpang Empat Pawnshop customers. The data collection technique used was by filling out a questionnaire distributed to 91 customers who were sampled. The data used were obtained from primary data and secondary data. The data analysis technique uses simple linear regression analysis. From the test conducted, H0 is rejected while H1 is accepted with an F table value of 12.954 (f count 12.954> f table 3.947) and a significant level of 0.00. This shows that there is a positive and significant effect of the gold price fluctuation variable (X) on customer transaction decisions (Y) Simpang Empat Branch Pawnshop. It can be concluded that the results of this study are in line with previous research, proving that the variable influence of gold price fluctuations has a positive and significant effect on the variable customer transaction decisions at Pegdaian (Case Study of Simpang Empat Pegadaian). What distinguishes it from previous research or previous researchers is the year of research, several data processing methods and the place of research. For the Simpang Empat Pegadaian institution, as an institution that operates in the field of pawnshop services, which cannot be separated from the financial system, of course this research will be very helpful for developing quality and as a reference for becoming a better institution and making customer decisions to transact at Simpang Empat Pegadaian is the right decision.

Peranan Objek Wisata dalam Peningkatan Kesejahteraan Masyarakat: (Studi Kasus Objek Wisata Pohon Seribu, Sasak Ranah Pasisie) Dewi Novita Sari; Yossi Eriawati; Fawza Rahmat
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 4 (2024): Oktober : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v3i4.3033

This study aims to determine the process of developing the Pohon Seribu tourist attraction, and to determine the economic welfare of the community as business actors around the tourist attraction whether it is affected by the development of the Pohon Seribu tourist attraction in Kejorongan Pondok Sasak Ranah Pasisie District. This research uses qualitative methods by using data collection techniques through interviews, observation, and documentation. Qualitative method is a method that focuses on in-depth observation, therefore, the use of qualitative methods in research can produce a more comprehensive study of a phenomenon. The result of this research is that the development of Pohon Seribu tourist attraction has an impact on the economic welfare of the community around the tourist attraction. In the economic field, there is an increase in the livelihood of the surrounding community, there is a shift in livelihoods. As a result of the tourist attraction, the income received by the community has increased compared to before the tourist attraction. In addition to the economic field such as socio-culture, with the location of tourist attractions making the surrounding community to continue to interact with tourists who visit, this has an impact on improving the welfare of the community is a change in the mindset of the community for the better. Pohon Seribu tourist attraction results in changes in behaviour and better language style.

Pengaruh Budaya dan Persepsi Masyarakat terhadap Keputusan Menabung di Bank Syariah Supiani Supiani; Fawza Rahmat; Fajar Budiman
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 1 (2021): January - June 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i1.2618

Rendahnya pemahaman dan pengetahuan masyarakat terhadap bank syariah, terutama yang disebabkan dominasi bank konvensional, sebuah fenomena bahwa budaya dan persepsi masyarakat mempengaruhi keputusan menabung. Adapun yang menjadi tujuan dalam penelitian ini adalah: (1) untuk mengetahui sejauh manakah pengaruh budaya terhadap keputusan menabung; (2) untuk mengetahui sejauh manakah pengaruh persepsi masyarakat terhadap keputusan menabung; (3) untuk mengetahui sejauh manakah pengaruh budaya dan persepsi masyarakat secara bersama-sama terhadap keputusan menabung.Jenis penelitian adalah penelitian kuantitatif. Pendekatan penelitian yang digunakan adalah penelitian survey yang termasuk kategori explanatory research yaitu penelitian yang bertujuan untuk menganalisis hubungan-hubungan antara satu variabel dengan variabel lainnya. Data primer diperoleh dari penyebaran kuesioner. Populasi dalam penelitian ini sebanyak 150 orang dan sampel sebanyak 44 orang yang diambil dengan menggunakan rumus slovin.Hasil penelitian menunjukkan bahwa terdapat pengaruh yang signifikan antara budaya dan persepsi masyarakat terhadap keputusan menabung di Bank Nagari Cabang Pembantu Syariah Simpang Empat. Budaya tidak berpengaruh signifikan terhadap keputusan menabung. Persepsi masyarakat berpengaruh signifikan terhadap keputusan menabung.Sehingga dapat disimpulkan bahwa variabel budaya dan persepsi masyarakat secara bersama-sama berpengaruh signifikan terhadap keputusan menabung dan hipotesis penelitianya teruji. Key Word : Budaya, Persepsi Masyarakat, Keputusan Menabung.

Pengaruh Budaya Organisasi terhadap Kinerja Karyawan di KSU Gapoktan Albasiko II Pasaman Barat Yunisa Rahma; Yossi Eriawati; Fawza Rahmat
Transformasi: Journal of Economics and Business Management Vol. 3 No. 4 (2024): Desember : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v3i4.2099

This research is motivated by the low level of organisational culture on the performance of employees in KSU GAPOKTAN ALBASIKO II West Pasaman, a picture that organisational culture affects the performance of employees. In this study the researcher connects the problem of lack of awareness and stability of organisational cultural values and still not entirely run by employees, time discipline, innovation, attention to detail, results orientation, team orientation, stability, consistency, honesty, and safety. This study explains whether organisational culture has an effect on employee performance at KSU GAPOKTAN ALBASIKO II. The type of research used is quantitative research which is research with the aim of knowing how much influence the independent variable has on the dependent variable. The research approach used is survey research which is a category of research that aims to analyse the relationships between one variable and another. Primary data was obtained from distributing questionnaires. The population in this study were 53 people and a sample of 53 people. Data analysis and processing techniques using simple linear regression analysis, coefficient of determination (R2), simultaneous test (F test), classical assumption test and hypothesis testing with variables X Organisational Culture and Y Employee Performance. The results showed that there was a significant influence between organisational culture on employee performance.

Analisis Perkembangan Usaha Pabrik Tahu Bandarejo Dusun 3 dari Perspektif Ekonomi Islam Yuni Kartika; Fawza Rahmat; Maisarah Leli
Transformasi: Journal of Economics and Business Management Vol. 3 No. 4 (2024): Desember : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v3i4.2191

Bandarejo Tofu Factory, Dusun 3 is an example of a micro-enterprise that has developed by utilizing local resources. From an Islamic economic perspective, the development of this business reflects the application of sharia principles, such as justice, social welfare, and sustainable resource management. Islamic economics emphasizes the balance between profit and fair distribution, and avoids detrimental practices, such as usury and monopoly. This factory plays a role in creating jobs and supporting the local economy by using soybean raw materials from local farmers. The production process that is in accordance with Islamic law makes this business meet the halal criteria, while its orientation towards social desires and responsibilities reflects the values of Islamic economics. However, the main challenge faced is maintaining Islamic ethical principles, such as honesty in transactions and concern for worker welfare, amidst competitive economic competition. This study aims to analyze the dynamics of the development of the Bandarejo Tofu Factory, Dusun 3 from an Islamic economic perspective, in order to contribute to the development of micro-enterprises based on sharia values. This study uses a qualitative approach with primary data obtained through interviews and documentation. The main informant is the factory owner, Mrs. Atin. Data analysis techniques include data reduction, data presentation, and drawing conclusions. The results of the study indicate that the development of the Bandarejo Dusun 3 Tofu Factory has made a significant contribution to the community's economy through marketing and capital strategies. In addition to increasing economic income, this business also absorbs local workers and helps reduce poverty levels in the Bandarejo Dusun 3 area.

Peranan Zakat Mal Pengusaha Ayam Petelur dalam Peningkatan Ekonomi Masyarakat di Jorong Limau Puruik Nagari Limau Purut Kecamatan Kinali Sonia Astuti; Fawza Rahmat; Maisarah Leli
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 4 No. 1 (2025): Januari : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v4i1.3556

This research was conducted in Jorong Limau Puruik, Nagari Limau Purut, Kinali District, with a focus on the role of zakat mal from layer chicken entrepreneurs in improving the community's economy. The formulation of the problem includes the role of zakat mal, the calculation of zakat mal, and the distribution of zakat mal from layer chicken entrepreneurs. This research aims to explain the contribution of zakat in improving the community's economy, calculation methods, and zakat distribution mechanisms. This research uses descriptive qualitative method with field approach. Data were obtained through interviews with zakat recipients (mustahiq), business owners, and laying hen farm employees. Primary data is supported by secondary data from the Limau Purut Nagari Wali Office. The results showed that zakat on laying hens has a significant role in improving the community's economy, both consumptively and productively. Consumptive improvements include the fulfillment of daily needs, education costs, and business capital. Meanwhile, productive improvement occurs when zakat is used as capital for small businesses that develop and have a positive impact on the economy. The calculation of zakat is analogous to trading commodities, with a rate of 2.5% without using the nisab of 85 grams of pure gold, and is paid after haul (one year). Zakat is distributed to mustahiq who are entitled to receive.

Efektivitas Pemanfaatan Dana Desa Dalam Menunjang Perekonomian Masyarakat Di Kecamatan Gunung Tuleh (Studi Kasus Nagari Rabijonggor): (Studi Kasus Nagari Rabijonggor) Anggian Anggian; Fajar Budiman; Fawza Rahmat
Journal of Management and Creative Business Vol. 1 No. 4 (2023): Oktober : Journal of Management and Creative Business
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/jmcbus.v1i4.1611

Facts on the ground, when channeling funds there are requirements that are not well understood so employee performance is slow in the distribution process and human resources are still not good. The formulation of the problem in this research is the effectiveness of the utilization of Village funds in supporting the economy of the community in Gunung Tuleh Sub-District (case study of Nagari Rabi Jonggor). Jonggor). The theory used in this study is a theory related to effectiveness, village funds, the economy, and nagari. Effectiveness is a key element to achieve the goals or objectives that have been determined in every organization, activity or program. It is called effective if the goal or target is achieved as it has been found. The type of research used is descriptive qualitative research. Sources of data used in this research are primary data and secondary data. Data collection techniques used are observation, interviews, and documentation. The data analysis used in this research is data reduction, data presentation and conclusion. The results of the study show effectiveness at the level of achieving goals, a business can be said to be effective if the effort is achieved ideally, effectiveness can be said with relatively certain measures of the use of village funds that have been realized properly such as the work program of Nagari Rabi Jonggor in the fields of health, economy, and the social field. The effectiveness of the use of village funds can be said to be effective because seen from the priorities for the use of village funds it is in accordance with the Permendes (Regulation of the village minister. development of underdeveloped areas, and transmigration

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