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All Journal At-Tawassuth: Jurnal Ekonomi Islam Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Iqtisaduna Banco: Jurnal Manajemen dan Perbankan Syariah Al Fiddhoh: Journal of Banking, Insurance, and Finance Maqdis: Jurnal Kajian Ekonomi Islam Indonesia Accounting Research Journal e-Jurnal Apresiasi Ekonomi Ruang Komunitas : Jurnal Pengabdian Masyarakat RANGGUK: Jurnal Pengabdian Kepada Masyarakat AICOS Jariyah : Jurnal Ilmu Akuntansi dan Keuangan Syariah
Alek Wissalam Bustami
IAIN Kerinci
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PENGARUH EKSPEKTASI RETURN DAN RISIKO INVESTASI TERHADAP MINAT INVESTASI MAHASISWA DI GALERI INVESTASI SYARIAH IAIN KERINCI Alek Wissalam Bustami; Elvi Nilda; Nevia Sukma Dewi
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 2 No. 2 (2021): Al-Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (193.977 KB) | DOI: 10.32939/fdh.v2i2.957

Abstract

This study was conducted with the intention of analyzing the effect of expected return and investment risk on student interest in investing in Islamic stocks at the Islamic Investment Gallery IAIN Kerinci. Therefore, as many as 59 students of IAIN Kerinci were taken as samples, where these students were students who had made investments. Data analysis was carried out using multiple linear regression, where the results showed that partially expected return had a positive and significant effect on student interest in investing in Islamic stocks at the Sharia Investment Gallery IAIN Kerinci, while investment risk had no significant effect. Simultaneously, the expected return and investment risk affect the interest of students to invest in Islamic stocks at the Sharia Investment Gallery of IAIN Kerinci, with the magnitude of the influence being 52.7%.
Kesadaran Masyarakat dalam Memberdayakan BMT (Baitul Mall Wattam will) Serambi Madinah Kabupaten Kerinci Alek Wissalam Bustami; Helfenta Helfenta
Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13, No 2 (2022): November
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/eksis.v13i2.304

Abstract

This study aims to find, (1) how the level of awareness in empowering society BMT for the welfare of the BMT Serambi Madinah Kerinci. (2). To find out how the performance BMT Porch Medina in achieving the common goal of BMT developments foyer and for the community. (3). To determine the factors causing the lack of public awareness of the BMT Serambi Madniah Kerinci. This study employed a descriptive qualitative approach and used data collection methods through observations, interviews, and documentation. By using comprehensive model analysis, namely domain analysis, taxonomy analysis, compositional analysis and cultural issue analysis. This study also used multiple models to validate the data triangulation to further refine this study. This study found, 1). One factor in the lack of public awareness in civilizing BMT is in spite of public awareness is relatively low both in terms of the management of the BMT and the system of sharia run by BMT itself, is also a lack of socialization between the BMT citizens regarding BMT nowadays still in the development of the quality of BMT. (2). available lack of information by the public against the BMT Serambi Madinah and its Lack of public knowledge about the system and mamfaat BMT for society into something that must be improved. Since society and the BMT should be a good cooperation in order to achieve the common goal of advancing the local economy. (3). BMT Serambi Madinah performance systems to improve public knowledge of the BMT in terms of empowering BMT for welfare, are still at the development stage and institutions still lack the BMT to community relations. This resulted in a lack of public awareness to BMT Serambi Madinah resulting lack of positive response from the community so as not achieving common goals in terms of improving the welfare of the community, especially medium. In the results of this study showed that, (1). the community has the same complaint against the BMT that a lack of people get information about BMT. (2). Medina Porch performance BMT managers today have not fully succeeded in its achievements. Because there are among of managers who do not work optimally in its function, resulting in inhibition of the progress of the foyer BMT Medina. (3). motivating factors to do the BMT in enhancing co-operation with the community is to be a good relationship between the BMT with the community either in the form of promotion or dissemination.
ISLAMIC E-SERVICE QUALITY (IESQ): SEBUAH MODEL KONSEPTUAL MUHAMMAD FAUZI; AIDIL NOVIA; PAISAL RAHMAT; ALEK WISSALAM BUSTAMI; REZKI AGRISA DITAMA
Maqdis: Jurnal Kajian Ekonomi Islam Vol 6, No 1 (2021): Januari - Juni 2021
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v6i1.508

Abstract

PENGARUH LAMA USAHA DAN TINGKAT SUKU BUNGA TERHADAP KEPUTUSAN USAHA MIKRO KECIL MENENGAH (UMKM) MENGAMBIL KREDIT DI PERBANKAN (Studi Kecamatan Hamparan Rawang) Alek Wissalam Bustami; Helfenta Helfenta; Iskandar Zulkarnain; Elex Sarmigi
Jurnal Apresiasi Ekonomi Vol 10, No 2 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (230.474 KB) | DOI: 10.31846/jae.v10i2.456

Abstract

Salah satu masalah yang dihadapi usaha mikro, kecil, dan menengah (UMKM) adalah kesulitan permodalan. Untuk mengatasi masalah ini, UMKM meminjam dari berbagai pihak, salah satunya dari perbankan. Namun, UMKM masih kesulitan dalam mengakses dana dari pihak perbankan karena berbagai persyaratan yang tidak bisa terpenuhi. Penelitian ini bertujuan untuk melihat pengaruh lama usaha dan tingkat suku bunga terhadap keputusan usaha mikro kecil menengah (UMKM) mengambil kredit di perbankan studi kecamatan hamparan rawang. Penelitian ini menggunakan data primer yang diperoleh dari  35 orang responden sebagai sampel dengan teknik total sampling. Metode yang digunakan dalam penelitian ini adalah analisis regresi berganda untuk mengetahui pengaruh variabel lama usaha, dan tingkat suku bunga, keputusan UMKM untuk mengambil kredit dari perbankan. Hasil penelitian menunjukkan bahwa variabel lama usaha tidak berpengaruh terhadap keputusan pengambilan kredit para pelaku UMKM di Desa Koto Teluk, sedangkan untuk variabel tingkat suku  bunga memiliki pengaruh terhadap keputusan pengambilan kredit para pelaku UMKM di Desa Koto Teluk.
Portrait of Islamic Economic Literacy on Students of Department Sharia Economics IAIN Kerinci Bustami, Alek Wissalam; Fauzi, Muhammad
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41533

Abstract

This study aims to investigate the level of Islalmic Economic Literacy (IEL) among students of the Department of Sharia Economics (DSE) Institut Agama Islam Negeri Kerinci (IAIN Kerinci). Investigation IEL levels in terms knowledge, understanding, and ability to apply attitudes (actions) from Islamic economics material that has been stuDSEd into everyday life. The research data comes from primary data collected using the Miles and Huberman model as a qualitative data analysis tool. This study shows that the level of IEL among students DSE IAIN Kerinci is in the pretty good category. This is evidenced by the fact that there are still many students who lack knowledge and understanding of Islamic economics material. Even though academic achievement or Grade Point Average (GPA) is above 3.50. It was even found that a higher GPA still lacks knowledge and understanding compared to a low GPA. Even though knowledge and understanding are still very minimal, the ability to apply attitudes (behavior) in daily economic activities has been applied in accordance with Islamic economics. This study can be the target of related parties to focus their full attention on increasing IEL in students DSE IAIN Kerinci. This study can also contribute to the reading of Islamic economics literature and the study of IEL, and at the same time, it opens up the door for further research.
Islamic Banking Innovation and Customer Satisfaction: A Case Study of Indonesia and Nigeria Yarmanti A., Violla; Wissalam Bustami, Alek; Muhammad Ardo, Adam
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 1 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.11018

Abstract

Purpose - The study examines the impact of digital accessibility, transparency, security, and product innovation on consumer trust and engagement. Method - This study utilizes a qualitative research methodology, incorporating in-depth interviews and thematic analysis to extract insights from Islamic banking clients and industry specialists. The data gathering emphasizes consumer experiences, opinions of service quality, and expectations for digital financial services Findings - The results demonstrate that users of Islamic banking prioritize service quality, security protocols, and digital accessibility. Customers demonstrate a pronounced inclination towards mobile banking services that incorporate sophisticated yet intuitive features, as well as more transparency in financial transactions and investment methodologies. Moreover, proficient risk management and the use of fintech technologies enhance client trust and happiness Practical Implication - enhance consumer behavior theories in Islamic banking, highlighting the relationship between technology adoption, institutional trust, and Sharia compliance. An immediate necessity for Islamic banks to invest in digital security, improve financial transparency, and create innovative Sharia-compliant financial products Originality/value - an innovative comprehensive analysis of the convergence of Islamic banking services, technology progress, and consumer expectations by incorporating numerous variables, including security, transparency, and innovation, into a coherent framework
ANALYSIS OF PAYMENT SYSTEMS USING SHOPEE PAY-LATER REVIEWED FROM ISLAMIC ECONOMICS Aryuandri, Indrika; Bustami, Alek Wissalam
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i1.3498

Abstract

Based on Islamic Economics studies, research was conducted to analyse the Shopee Pay-Later payment system. This research is a content analysis. The research results show that the ShopeePayLater payment details include the due date. Regarding the absence of interest at the start of implementing this shopeepaylater feature, delaying financing to the following month or buying now, pay later financing, it even mentions 0% interest. Shopee Paylater credit practices are permissible (mubah) and haram permissible (mubah) because the contract is implemented, proven by the contract agreement between the seller and the buyer at the time of carrying out the hijab and Kabul as well as the additional price on Shopee Paylater. Credit practice is considered a deferred price and prohibited because the extra price in the Shopee Pay Later credit practice is riba, and usury is prohibited in Islamic business ethics. In contrast, the Shopee Paylater credit practice applies an additional price of 2.95% for paying off bills within two, three, and six months.
Pengaruh Promosi dan Kualitas Pelayanan terhadap Minat Siswa Menggunakan Produk Tabungan SIPINTAR PT. Bank Perkreditan Rakyat Pembangunan Kerinci Sarmigi, Elex; Mahabbati, Suci; Mailindra, Wiyan; Bustami, Alek Wissalam; Ashari, Annisa Diyah; Fadlillah, Septi Husnah
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 9 No. 3 (2023): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and B
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v9i3.449

Abstract

This study aimed to assess the impact of promotion and service quality on students' interest in choosing SIPINTAR products at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. The research employed a quantitative approach with a survey design, involving 60 students in Kerinci Regency using the convenience sampling method. Data analysis utilized multiple linear analysis, and hypothesis testing involved the t-test and F-test with IBM SPSS 26. The findings revealed that promotion had a positive and significant impact on students' interest in using SIPINTAR products, while service quality did not significantly influence students' interest at PT. Kerinci Development People's Credit Bank. The F-test indicated that promotion and service quality jointly have a significant impact on using PT. SIPINTAR products at Kerinci Development People's Credit Bank, with a magnitude of influence at 20.6%. Despite the limitation of focusing solely on promotion and service quality in influencing savings intentions, the research provides valuable insights for the development of banking businesses, especially regional banks.
Persepsi Mahasiswa Tentang Kelebihan dan Kelemahan Perbankan Syariah (Studi Kasus Mahasiswa Perbankan Syari’ah IAIN KERINCI) sabrina, Sabrina; Bustami, Alek Wissalam; halim, Halim
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. IX | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v9i2.21415

Abstract

AbstractThis study aims to explore the perceptions of students of SYARIAH BANKING IAIN Kerinci towards the advantages and disadvantages of Islamic banking. The method used is in-depth interviews with students to identify their views on Islamic banking. The results of the study indicate that students generally understand the basic principles of Islamic banking, such as the prohibition of usury and the principle of fairness in transactions. They value transparency, ethical investment, and compliance with Islamic principles. However, weaknesses identified include a lack of understanding among the community and banking human resources, limited products, and an insufficient marketing network. This study provides insight into how student perceptions can influence the acceptance of Islamic banking and offers recommendations to improve the socialization and development of Islamic banking services.Keywords: Syariah Banking, Student Preseptions, strenght syariah banking , weeknesses syariah banking , IAIN Kerinci    AbstrakPenelitian ini bertujuan untuk mengeksplorasi persepsi mahasiswa PERBANKAN SYARI’AH IAIN Kerinci terhadap kelebihan dan kelemahan perbankan syariah. Metode yang digunakan adalah wawancara mendalam dengan mahasiswa untuk mengidentifikasi pandangan mereka tentang perbankan syariah. Hasil penelitian menunjukkan bahwa mahasiswa umumnya memahami prinsip dasar perbankan syariah, seperti larangan riba dan prinsip keadilan dalam transaksi. Mereka menghargai transparansi, investasi etis, dan kepatuhan terhadap prinsip syariah. Namun, kelemahan yang diidentifikasi termasuk kurangnya pemahaman di kalangan masyarakat dan SDM perbankan, keterbatasan produk, dan jaringan pemasaran yang kurang luas. Penelitian ini memberikan wawasan tentang bagaimana persepsi mahasiswa dapat memengaruhi penerimaan perbankan syariah dan menawarkan rekomendasi untuk meningkatkan sosialisasi dan pengembangan layanan perbankan syariah.. Kata kunci: Perbankan Syariah, Persepsi Mahasiswa, Kelebihan perbankan syariah, Kelemahan perbankan Syariah , IAIN Kerinci
Mengembangkan Sumber Daya Manusia Melalui Peningkatan Kualitas Pendidikan di Nagari Tluk Kualo Inderapura Sarmigi, Elex; Mailindra, Wiyan; Syarif, Dafiar; Mu’arrif, Zul Ihsan; Nilda, Elvi; Sumanti, Eva; Desiana, Desiana; Azhar, Azhar; Syukrawati, Syukrawati; Bustami, Alek Wissalam; Ramadani, Dinda Fitria
RUANG KOMUNITAS: Jurnal Pengabdian Masyarakat Vol 2 No 1 (2024): Ruang Komunitas: Jurnal Pengabdian Masyarakat
Publisher : Program Studi Ilmu Politik bekerjasama Program Studi Hubungan Internasional, Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/rkjpm.v2i1.45293

Abstract

Kualitas pendidikan akhir-akhir ini menjadi bahan perbincangan serius. Hal ini terjadi karena mutu pendidikan akan sangat menentukan mutu lulusan yang dihasilkan dari pendidikan itu sendiri. Tanpa pendidikan yang berkualitas, kecil harapan untuk mendapatkan sumber daya manusia yang berkualitas. Melihat fenomena di lapangan, sebagian siswa masih memerlukan pendidikan tambahan di luar jam sekolah. Hal ini disebabkan karena sebagian siswa masih belum memahami pelajaran yang didapat di sekolah sehingga harus diulang-ulang agar dapat dipahami dengan baik. Karena fenomena tersebut, IAIN Kerinci berinisiatif membantu masyarakat khususnya anak usia sekolah dalam bidang pendidikan untuk membantu meningkatkan mutu peserta didik dan pelajar serta mutu pendidikan di Nagari Tluk Kualo Inderapura melalui program bimbingan belajar, membaca Al-Qur'an dan Tahfidz.
Co-Authors AIDIL NOVIA Aryuandri, Indrika Ashari, Annisa Diyah Azhar Azhar Busni, Darti Bustami Bustami Desiana Desiana, Desiana Eka Putra Elvi Nilda Endah Sri Wahyuni Endah Sri Wahyuni Fadlillah, Septi Husnah halim, Halim Harahap, Samsul Bahry Helfenta Helfenta Helfenta Helfenta Helfenta, Helfenta Iskandar Zulkarnain Mahabbati, Suci Maryanto Mua'rif, Zul Ihsan Mu’arrif, Zul Ihsan Muhammad Ardo, Adam Muhammad Fauzi Muhammad Luthfi Mursal Mursal Nevia Sukma Dewi Nilda, Elvi Novianto, Wawan Novita, Nina Delvia Paisal Rahmat Raden Mohamad Herdian Bhakti Rahmah, Sopia Ramadani, Dinda Fitria Regen, Ronal REZKI AGRISA DITAMA sabrina, Sabrina Sumanti, Eva Syarif, Dafiar syukrawati, syukrawati Tiara, Tiara Wahyu, Wawan Devis Wiyan Mailindra, Wiyan Yarmanti A., Violla Zulkifli Nurdin, Zulkifli