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EFEKTIVITAS INKLUSI KEUANGAN SYARIAH DALAM MENINGKATKAN PEMBERDAYAAN UMKM (STUDI PADA BMT AL-ISHLAH KOTA JAMBI) Deby Vebriyani; Ahmad Syahrizal; Fauzan Ramli
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 1 No. 3 (2024): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN 
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v1i3.2421

Abstract

This study aims to evaluate the effectiveness of Islamic financial inclusion implemented by BMT Al-Ishlah Jambi in improving the empowerment of Micro, Small, and Medium Enterprises (MSMEs). The approach of this research is qualitative, with a phenomenological method that relies on primary data from the results of interviews, observations, and documentation. This research was conducted at BMT Al-Ishlah Jambi, with the object of the research including BMT staff and MSME members who received funding. The results of the study show that the inclusion of Islamic finance implemented by BMT Al-Ishlah is effective in increasing the empowerment of MSMEs. This can be seen from the increase in income and service quality for MSME members who have received funding. This finding is expected to contribute to the development of sharia financial inclusion theory and become a practical reference for financial institutions in community economic empowerment
PERAN IBU RUMAH TANGGA PEDAGANG SAYUR UNTUK MENINGKATKAN PEREKONOMIAN KELUARGA DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus : Pasar Mayang Mangurai Nipah Panjang II) Sella Rahmadanti; Putri Apria Ningsih; Ahmad Syahrizal
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 1 No. 3 (2024): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN 
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v1i3.2507

Abstract

In general, men fulfill the family's needs, but because the husband's income is limited, the wife plays a role in helping to improve the family's economy by trading vegetables from market to market. The formulation of the problem in this research is what is the role of housewives who sell vegetables in improving the family economy at Mayang Mangurai Market, what is the Islamic economic view of the role of wives in improving the family economy at Mayang Mangurai Market. This research uses qualitative research methods. Data was taken from in-depth interviews and observations. The research results show that housewives' understanding of family economic management is very simple. Women's involvement in family economic activities is to help their husbands in meeting family needs. Women at work certainly have an impact on the order of life. Then the Position of Women in Supporting the Family. Islam does not burden women to earn a living. There are also Islamic and state policies in providing protection for working women.
Analisis Minat pada Pembiayaan Murabahah Bank Syariah Indonesia : Studi Pedagang Pasar Senin Desa Petaling Jaya Ayu Uswatun Hasanah; Ahmad Syahrizal; Saijun Saijun
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 1 (2025): Januari : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i1.1984

Abstract

This paper discusses the interest of traders from one of Bank Syariah Indonesia's products in providing business capital or other uses to traders in Pasar Senen Petaling Jaya. This writing uses a descriptive qualitative approach with data collection techniques through observation, interviews, and documentation. The subjects of this writing include traders in Pasar Senen Petaling Jaya. From the results of this writing shows that the interest of traders regarding murabaha financing is still very lacking. This is due to several factors that cause the lack of interest of traders regarding murabaha financing, including: 1) The Knowledge Factor is due to the lack of knowledge of the products of BSI. This information helps traders to evaluate products and understand the benefits of murabaha products. traders. 2) Location Factors By choosing a strategic place that can and carry out the goals of the business objectives to achieve the desired profit and and broad marketing 3) Social Factors which are very significant in the formation and development of a person's interest 4) Promotion Factors one way of communication between the company and the wider community with the aim of introducing goods and services to the public.
Analisis Pengelolaan Koperasi Unit Desa (KUD) dalam Meningkatkan Kesejahteraan Anggota: Studi pada Masyarakat Desa Lubuk Mandrasah Kabupaten Tebo Perspektif Ekonomi Islam Rino Hariyansyah; Titin Agustin Nengsih; Ahmad Syahrizal
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 1 (2025): Januari : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i1.777

Abstract

There are two issues studied in this thesis, namely: the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and the management of Village Unit Cooperatives from a sharia economic perspective. The aim of this research is to determine the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and to determine the management of Village Unit Cooperatives from a sharia economic perspective. To reveal this problem in depth and comprehensively, researchers used a qualitative approach by collecting data using observation, interviews and documentation. The data analysis technique used is field analysis using an interactive model including data reduction, data display, data verification. From the research results, it can be concluded that: In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, Tebo Regency, 4 (four) cooperative management functions are implemented, namely: planning, organizing, acting, and monitoring. controlling). There are business units such as supermarkets, convenience stores, savings and loans, agricultural production facilities, and the provision of fertilizer which are solutions for the community according to their individual interests. In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, according to an Islamic economic perspective, namely using the principle of shura' (deliberation) in every decision making, and also using the principle of ta'awun (mutual assistance) in the Village Unit Cooperative which has been implemented but equated with the principle of mutual cooperation.
Pengaruh Rasio ROA, ROE Terhadap Pertumbuhan Laba Pada Perusahaan Pertambangan Yang Terdaftar Dalam Jakarta Islamic Index Tahun 2018-2022 Ahmad Syapari; Eja Armas Hardi; Ahmad Syahrizal
Jurnal Manajemen dan Ekonomi Kreatif Vol. 1 No. 2 (2023): April : Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1345.45 KB) | DOI: 10.59024/jumek.v1i2.87

Abstract

This research leads to the Effect of the Ratio of Roa, Roe on Profit Building in Mining Companies Listed in the Jakarta Islamic Index for 2018-2022. The benefit of this research is to find out whether there is an effect of the Roa, Roe Ratio on Profit Growth in Mining Companies Registered in the Jakarta Islamic Index for 2018-2022. The analytical method used in this study is panel data regression. and processed data used in this study by utilizing Eviews 12 and Microsoft Excel 2010 software. The sampling method used was purposive sampling, namely by considering several criteria specified in this research. The research results show that Roa has an effect on profit growth and Roe has no effect on profit growth, while together (simultaneously) Roa and Roe have an effect on profit growth in mining sector companies in JII 2018-2022Keywords: net income, total assets and share price
Pengaruh Pengetahuan Keuangan, Sikap Keuangan dan Locus of Control terhadap Perilaku Manajemen Bisnis pada UMKM Parfum Reffil di Kota Jambi Muhammad Rifkhi; Ahmad Syahrizal; Achyat Budianto
PPIMAN Pusat Publikasi Ilmu Manajemen Vol. 3 No. 2 (2025): April : Pusat Publikasi Ilmu Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/ppiman.v3i2.794

Abstract

The purpose of this study is 1) to analyze the influence of financial knowledge on business management behavior in refill perfume SMEs in Jambi City. 2) to analyze the influence of financial attitude on business management behavior in refill perfume SMEs in Jambi City. 3) to analyze the influence of locus of control on business management behavior in refill perfume SMEs in Jambi City. 4) to analyze the influence of financial knowledge, financial attitude, and locus of control on business management behavior in refill perfume SMEs in Jambi City. The research method used is quantitative descriptive analysis, with a sample size of 62 respondents from refill perfume businesses in Jambi City, utilizing multiple linear regression analysis. The results show that 1) simultaneously, the variables of financial knowledge, financial attitude, and locus of control have a positive and significant effect on business management behavior. 2) Partially, the variable of financial knowledge has a positive and significant effect on business management behavior. 3) Partially, the variable of financial attitude has a positive and significant effect on business management behavior. 4) Partially, the variable of locus of control has a positive and significant effect on business management behavior.
PENGARUH PROMOSI, PENGETAHUAN DAN KEPERCAYAAN TERHADAP MINAT MENABUNG DI BANK SYARIAH INDONESIA KCP SINGKUT PADA MASYARAKAT DESA PELAWAN JAYA Malik, Abdul; Syahrizal, Ahmad; Anisah, Anisah
MARGIN: Journal of Islamic Banking Vol 1 No 1 (2021): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v1i1.840

Abstract

Banyak strategi yang bisa dilakukan untuk menarik minat masyarakat menabung di bank, salah satunya adalah promosi. Promosi bisa dilakukan melalui media sosial, periklanan dan lain sebagainya. Selain dari itu bank juga harus memberikan pengetahuan kepada masyarakat tentang produk tabungan serta menjaga kepercayaan masyarakat sehingga bisa menambah minat masyarakat untuk menabung. Penelitian ini bertujuan untuk mengetahui apakah promosi, pengetahuan dan kepercayaan berpengaruh terhadap minat menabung masyarakat di Bank Syariah Indonesia KCP Singkut. Penelitian ini menggunakan metode kuantitatif dengan memperoleh data primer dari kuesioner dengan mengambil responden sebanyak 86 orang. Hasil penelitian uji-t menujukkan bahwa variabel promosi dan kepercayaan berpengaruh secara signifikan, sedangkan variabel pengetahuan tidak berpengaruh secara signifikan. Adapun hasil penelitiam uji-F menyatakan bahwa promosi, pengetahuan dan kepercayaan berpengaruh signifikan secara bersama- sama terhadap minat menabung. Nilai koefisien determinasi dari promosi, pengetahuan dan kepercayaan sebesar 28,4% terhadap minat menabung masyarakat.
ANALISIS PENERAPAN AKAD IJARAH DALAM TRANSAKSI LAHAN PERKEBUNAN (Studi Kasus Desa Sungai Jambat Kec. Sadu, Kab. Tanjung Jabung Timur) Suhar, Suhar; Syahrizal, Ahmad; Sholeh, Muhammad
MARGIN: Journal of Islamic Banking Vol 3 No 2 (2023): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v3i2.2063

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana penerapan akad ijarah dalam transaksi lahan perkebunan di Desa Sungai Jambat, Kecamatan Sadu, Kabupaten Tanjung Jabung Timur. Akad ijarah itu sendiri yaitu akad atau transaksi pemindahan hak guna atas suatu barang atau jasa ketrampilan tertentu melalui pembayaran upah (sewa) secara professional. Dalam kaitannya dengan penelitian ini dilakukan dikarenakan banyak masyarakat Desa Sungai Jambat ini melakukan praktek sewa-menyewa lahan perkebunan yang mana perkebunan yang dimiliki oleh masyarakat mayoritas adalah perkebunan kelapa dan pinang. Penelitian ini dilakukan menggunakan pendekatan kualitatif deskriptif dengan metode kualitatif, yaitu melakukan pengamatan, dokumentasi, dan wawancara langsung ke lapangan yang mana masyarakat yang memiliki lahan sebanyak 21 orang informan dan penyewa lahan sebanyak 21 orang informan. Yang mana hasil dari penelitian ini menunjukkan bahwa pemahaman masyarakat terhadap akad ijarah dalam transaksi lahan perkebunan di Desa Sungai Jambat Kecamatan Sadu Kabupaten Tanjung Jabung masih kurang baik dikarenakan kurangnya tingkat pemahaman masyarakat tentang pengertian, syarat, rukun, dan praktik akad ijarah dalam transaksi lahan perkebunan. Hasil penelitian yang dilakukan mendapatkan hasil bahwa faktor penyebab terjadinya problematika dalam akad ijarah transaksi lahan perkebunan di Desa Sungai Jambat. Adapun faktor penyebab terjadinya problematika masyarakat yaitu miskomunikasi, perjanjian yang masih dilakukan secara lisan bukan secara tertulis dan tanpa adanya dokumentasi.
PENGARUH RISIKO, RETURN DAN RELIGIUSITAS TERHADAP KEPUTUSAN INVESTASI MAHASISWA (Studi Pada Mahasiswa FEBI UIN STS Jambi) Ahmad Syahrizal; Ahmad Syukron Prasaja; Lia Anjeli
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): 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.v4i2.1357

Abstract

This study aims to determine the effect of risk, return and religiosity on investment decisions in FEBI UIN STS Jambi students. The methods used in this study are quantitative methods, and the data analysis methods used are multiple regression, t test and f test. The sample in this study was 94 samples of students of FEBI UIN STS Jambi batch 2017-2020, by distributing Likert scale questionnaires. The test results obtained from the t test show that the risk variable (X 1) does not have a significant effect on Student Investment (Y). this is evidenced from the value of T calculated > Ttable , which is -1.439 < 1.66 and a significant value of 0.154 > 0.005 so that it can be concluded that H a dit olak and Ho diterima, while the variable return (X2) has a significant effect on student investment (Y). this is evidenced from the calculated T value > Ttable, which is 4.400 > 1.66 and a significant value of 0.002 < 0.005 so that it can be concluded that H a is accepted and Ho is rejected, then the variable of religiosity (X3) significant effect on student investment (Y). this is evidenced from the value of T calculated > Ttable which is 3.172 > 166 and a significant value of 0.00 2 < 0.005 so that it can be concluded that H a is accepted and H0 is rejected. The test results obtained from the f test show that the variables risk, return and religiosity simultaneously have a significant effect on student investment. This is evidenced from the value of F calculated> Ftable, which is 8,558 > 2.47 and a significant value of 0.001< 0.005 so that it can be concluded that H a is accepted and H0 is rejected. The influence on the independent variables (X 1), (X 2) and (X3) was 19.8% while the remaining 80.2% was influenced by other variables outside this study
Pengaruh Bauran Pemasaran (Produk, Harga, Tempat, Promosi) terhadap Volume Penjualan di Cafe Shop Senyala Space Kota Jambi Ahmad Syahrizal; Usdeldi Usdeldi; Firman Syah Noor
Akuntansi Pajak dan Kebijakan Ekonomi Digital Vol. 2 No. 3 (2025): Akuntansi Pajak dan Kebijakan Ekonomi Digital
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/apke.v2i3.1433

Abstract

This study aims to examine the influence of the marketing mix on the sales volume at Senyala Space coffee shop, focusing on four independent variables: product, price, place, and promotion. The research method used is quantitative with a descriptive approach. The population of the study consists of Senyala Space customers from 2020 to 2024, and the sample was selected using nonprobability sampling and Slovin’s technique to determine a representative sample size. Data was collected through surveys and interviews with customers who visited Senyala Space during the specified period. Data analysis was conducted using several statistical tests, including validity testing, reliability testing, normality testing, linearity testing, multicollinearity testing, heteroscedasticity testing, and multiple linear regression analysis. Additionally, the coefficient of determination (R²), partial test (t-test), and simultaneous test (F-test) were used to examine the effect of independent variables on the dependent variable. All analyses were performed using IBM SPSS Statistics 23. The results show that the marketing mix significantly affects the sales volume at Senyala Space. Of the four marketing mix variables analyzed, price was found to have a significant negative effect on sales volume, indicating that an increase in price tends to decrease sales volume. On the other hand, the other three variables—product, place, and promotion—have a significant positive effect on sales volume. This suggests that improvements in product quality, strategic location selection, and effective promotions can increase sales at Senyala Space. These findings provide recommendations for Senyala Space’s management to enhance their marketing strategies by considering the factors influencing customer purchasing decisions, in order to boost sales volume in the future.