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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Investasi Islam el-Jizya: Jurnal Ekonomi Islam Profit: Jurnal Manajemen, Bisnis dan Akuntansi Jurnal Ilmiah Mahasiswa
Zikriatul Ulya
IAIN Langsa
Economics, Econometrics & Finance Social Sciences Other

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI LOYALITAS NASABAH PEMBIAYAAN MURABAHAH PADA BANK PEMBIAYAAN RAKYAT SYARI’AH ADECO LANGSA febi febi; Ndaru Irawadi; Abdul Hamid; Zikriatul Ulya
Jurnal Investasi Islam Vol 4 No 2 (2019): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v4i2.1373

Abstract

This study aimed to fi nd out factors that infl uencing costumers loyalty about murabahah fi nancing at Bank Pembiayaan Rakyat Syariah Adeco Langsa and to determine the effects partialy and silmutanously to murabahah fi ancing costumers loyalty. There are factors that infl uencing murabahah fi nancing costumers loyalty including the infl uence of service factors, facility factors, and location factors. This study used the quantitative approach. The total of respondent are 80 costumers. Sampling this study was carried through probability sampling and simple random sampling , rarely the technique of determining to selected sample without regard to the levels in the population. This study used quesioners as many as 20 items questions that were assesed with a likert 1-5 scale and used validity and reliability test. The test of assumptions were, tests of multicollinearity, heteroscedastisitas, normality, linearity then analyzed using multiple regression analysis with the determination test method F test and t test. Base on multiple regression analysis at 5% signifi cance level show that simultaneously service factors, facility factors, and location factors have signifi cant positive effect to murabahah fi nancing costumers loyalty at Bank Pembiayaan Rakyat Syariah Adeco Langsa, and then there are signifi cant positive effect of the facility factors to murabahah fi nancing costumer loyalty and the location also has a signifi cant positive infl uence on murabahah fi nancing costumer loyalty at Bank Pembiayaan Rakyat Syariah Adeco Langsa, facility factor have the most dominant infl uence on murabahah fi nancing costumer loyalty at Bank Pembiayaan Rakyat Syariah Adeco Langsa, with a signifi cance of 0,000 less than 0,05.
Pengaruh promosi, motivasi, dan biaya administrasi terhadap keputusan masyarakat memilih produk tabungan emas Zikriatul Ulya; Muhammad Yahya; Dewi Wahyu Anggrainingsih
Jurnal Investasi Islam Vol 6 No 2 (2021): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v6i2.3735

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh promosi, motivasi, dan biaya administrasi terhadap keputusan nasabah memilih produk tabungan emas di Pegadaian Syariah Karang Baru. Jenis penelitian ini yaitu analisis deskriptif kuantitatif. Jumlah sampel dalam penelitian ini berjumlah 75 responden. Teknik sampling dalam penelitian ini yaitu accidental sampling, yaitu pengambilan sampel secara kebetulan. Artinya siapa saja anggota populasi yang ditemui saat dilakukan penelitian maka anggota populasi tersebut ditarik sebagai sampel. Metode analisis data yang digunakan adalah analisis regresi linier berganda, uji t, uji dan uji F. Promosi berpengaruh positif dan signifikan terhadap keputusan masyarakat memilih produk tabungan emas di Unit Pegadaian Syariah Karang Baru Aceh Tamiang, dimana diperoleh nilai t sig. 0,017 < 0,05. Motivasi berpengaruh positif dan signifikan terhadap keputusan masyarakat memilih produk tabungan emas di Unit Pegadaian Syariah Karang Baru Aceh Tamiang, dimana diperoleh nilai t sig. 0,042 < 0,05. Biaya administrasi berpengaruh positif dan signifikan terhadap keputusan masyarakat memilih produk tabungan emas di Unit Pegadaian Syariah Karang Baru Aceh Tamiang, dimana diperoleh nilai t sig. 0,049 < 0,05. Promosi, motivasi, dan biaya administrasi secara bersama-sama berpengaruh positif dan signifikan terhadap keputusan masyarakat memilih produk tabungan emas di Unit Pegadaian Syariah Karang Baru Aceh Tamiang, dimana diperoleh nilai F sig. 0,000 < 0,05.
Pengaruh Orientasi Pasar, Orientasi Pembelajaran dan Inovasi Produk terhadap Kinerja Pemasaran Zikriatul Ulya
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 4, No 2 (2019)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/v4i2.1254

Abstract

The purpose of this study is to examine and analyze the eff ect of market orientation, learning orientation and product innovation of marketing performance. This study use a descriptive quantitative approach, and collected data through questionnaire. The sample used was 84 small industry of pisang sale in Aceh Timur Distric – Aceh. The data analysis tool used is classic asumption method with multiple linear regression analysis, coeffi cient of determination, F test and t test. The result of study are as follows: (1) Market orientation have a signifi cant positive eff ect of marketing performace indicate by the market orientation coeffi cient (X1) which is positive, namely 6.785, and the p-value less than the signifi cance level (0.000 < 0.005). (2) Learning orientation have a signifi cant positive eff ect of marketing performance, indicate by the learning orientation coeffi cient (X2) which is positive, namely 2.249, and the p-value less than the signifi cance level (0.027 < 0.005). (3) Innovation product have a signifi cant positive eff ect of marketing performance, indicate by the innovation product coeffi cient (X2) which is positive, namely 2343, and the p-value less than the significance level (0.022 < 0.005). (4) Market orieas an agregrat htation, learning orientation and innovation product have a signifi cant eff ect of marketing performance, indicated by the probability valeu of F less than the signifi cance level (0.000 < 0.05). The coeffi cient of determination (R2) is 0.621 or 62,1%. This indicate that 62,1% of marketing performance is aff ected by market orientation, learning orientation and innovation product while remaining 37,9% is aff ected by other independent variables not under study.
Analisis perilaku perencanaan investasi serta kontrol diri sebagai variabel moderasi Zikriatul Ulya
Jurnal Investasi Islam Vol 7 No 2 (2022): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v7i2.4971

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan keuangan serta pengalaman keuangan mahasiswa terhadap perencanaan investasi dan kontrol diri sebagai variabel moderasi. Jenis penelitian ini merupakan penelitian kuantitatif. Teknik dalam mengambil sampel dalam penelitian ini dengan menggunakan sampel secara acak atau simple random sampling yang berjumlah 90 responden. Analisis data dalam penelitian ini menggunakan analisis deskriptif, dan metode analisis regresi lininer berganda, analisis regresi moderasi (MRA), uji normalitas, uji heterokedastisitas, uji multikolinearitas, uji autokorelasi, dan uji linearitas. Berdasarkan hasil uji regresi linear berganda pengetahuan keuangan berpengaruh terdahap perencanaan investasi dengan tingkat signifikansi 0,000 < 0,05 dan Pengalaman keuangan berpengaruh terhadap perilakuperencanaan investasi dengan tingkat singnifikan 0,004 < 0,05. Sedangkan hasil uji regresi moderasi adalah kontrol diri tidak memoderasi atau memperlemah pengaruh pengetahuan keuangan terhadap perilaku perencanaan investasi dengan tingkat signifikan 0,254 > 0,05 sedangkann kontrol diri memoderasi atau memperkuat pengaruh pengalaman keuangan terhadap perilaku perencanaan investasi dengan tingkat signifikan 0,005 < 0,05. Hasil Uj F menunjukkan variabel moderasi berpengaruh dan signifikan terhadap perilaku perencanaan investasi.
The Influence of Export, Import and Population Values on The Gross Domestik Product of ASEAN Countries Period 2000-2009 Zikriatul Ulya
el-Jizya : Jurnal Ekonomi Islam Vol. 10 No. 2 (2022): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v10i2.7060

Abstract

This study aims to determine the effect of exports, imports and population on the Gross Domestic Product (GDP) of case studies in Indonesia, Malaysia, Singapore, Brunei Darussalam and the Philippines in 2000-2019. This type of research uses quantitative descriptive methods with panel data regression analysis, as well as data collection with documentation techniques, namely the data obtained from word bank data. The results show that exports have a positive and significant effect on gross domestic product with the regression coefficient value on the export variable amounting to 0.589385, which means that every 1% increase in exports will increase GDP by 58.94%, imports have positive and no significant effect on products. Gross domestic product with a regression coefficient value on the import variable is 0.0283 which means that every 1% increase in imports will increase GDP by 2.83%, the population has a positive and significant effect on gross domestic product with the regression coefficient value on the population variable is 14,653 which This means that if there is an increase in the population of 1%, it will increase the gross domestic product by 14.65%, then simultaneously exports, imports and the population will positively and significantly increase the Gross Domestic Product (GDP) with a coefficient value of 0.9693 which means that meaning that the variables of exports, imports and population are able to explain the variable gross domestic product (GDP) of 96.90% while the remaining 3.10% is explained by other variables not mentioned in this study.
Pengaruh Pengelolaan dan Status Sosial Ekonomi Orang Tua Terhadap Perilaku Konsumtif Mahasiswa IAIN Langsa Zulfa Eliza; Zikriatul ulya; Nanda Syafriani
Profit: Jurnal Manajemen, Bisnis dan Akuntansi Vol. 2 No. 2 (2023): Mei : Profit : Jurnal Manajemen, Bisnis dan Akuntansi
Publisher : UNIVERSITAS MARITIM AMNI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/profit.v2i2.723

Abstract

This study aims to determine the effect of the influence of financial management and parents' socio-economic status either partially or simultaneously on the consumptive behavior of IAIN Langsa students. The independent variables studied were Financial Management and Parents' Socio-Economic Status. The dependent variable studied is Consumptive Behavior. This research is a quantitative research. The type of data used in this study is primary data. The data analysis methods in this study were in the form of data quality tests, classical assumption tests, multiple linear regression analysis tests, and hypothesis testing. Financial management is positively related to consumptive behavior, from the results of the study it was found that Financial Management had a positive and significant effect on Consumptive Behavior with a contribution of 11,074 tcount > ttable (11,074 > 1,972). So the hypothesis H01 is rejected. The socioeconomic status of parents is positively related to consumptive behavior. From the results of the study, it was found that the Socio-Economic Status of Parents had a significant and significant effect on consumptive behavior with the contribution of the influence of (3.600 > 1.972). So the hypothesis H02 is rejected. Financial Management and Parents' Socio-Economic Status have a significant effect on consumptive behavior with a simultaneous hypothesis test obtained by the value of Fcount > Ftable (143.819 > 3.04). The author's suggestion for IAIN Langsa students is that they are expected to be able to control themselves from impulsive purchases, students are expected not to be easily captivated by the discounts offered or easily influenced by friends, trends or influencer. be a wise student in determining purchases and be able to distinguish between wants and needs to avoid consumptive behavior.
Pengaruh Pembiayaan dalam Meningkatkan Kesejahteraan Pengusaha Mikro di PT. Pegadaian Syariah Kota Langsa Riska Hanifa; Zikriatul Ulya; Abdul Hamid
JIM: Jurnal Ilmiah Mahasiswa Vol 5, No 2 (2023): Oktober 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v5i2.7182

Abstract

Pembiayaan Arrum BPKB merupakan pembiayaan usaha yang diberikan oleh pegadaian syariah yang diperuntukan bagi pengusaha mikro dalam mengembangkan usaha yang telah dijalankan menggunakan jaminan BPKB kenderaan baik kenderaan bermotor atau mobil. Pada pelaksanaannya diharapkan dapat memberikan peningkatan pendapatan pada usaha tersebut. Pengusaha mikro adalah sesuatu usaha produktif yang dimiliki perorangan atau usaha perorangan yang memiliki kriteria usaha mikro didalam undang-undang, dimana usaha ini dapat mensejahterakan kehidupan. Tujuan dari penelitian ini untuk menegtahi dan menaganalisis pengaruh pembiayaan terhadap kesejahteraan melalui peningkatkan pendapatan. Penelitian ini adalah jenis penelitian deskriptif kuantitatif dan sifat penelitian secara eksplanatory research. Penelitian ini menggunakan teknik pengambilan sampel dengan metode purposive random sampling atau penentuan sampel berdasarkan pertimbangan tertentu yang terdiri dari 120 nasabah sesuiai kriteria nasabah sudah mengambil minimal 2x pembiayaan pada PT. Pegadaiaan Syariah cabang langsa. Analisis data yang digunakan adalah analisis jalur (analisys path), menggunakan software SPSS. Hasil penelitian secara langsung menunjukkan pembiayaan Arrum BPKB berpengaruh positif dan signifikan terhadap peningkatan pendapatan pengusaha mikro, pembiayaan Arrum BPKB berpengaruh positif dan signifikan terhadap kesejahteraan pengusaha mikro dan peningkatan pendapatan pengusaha mikro berpengaruh positif dan signifikan terhadap kesejahteraan. Selanjutnya hasil secara tidak langsung menunjukkan pembiayaan Arrum BPKB secara tidak langsung berpengaruh positif dan signifikan terhadap kesejahteraan melalui peningkatan pendapatan pengusaha mikro.
Co-Authors Abdul Hamid Dewi Wahyu Anggrainingsih febi febi M. Yahya Nanda Syafriani Ndaru Irawadi Riska Hanifa Zulfa Eliza