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PENGARUH PERTUMBUHAN PENJUALAN, PERTUMBUHAN PERUSAHAAN, DAN UKURAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN Elex Sarmigi; Eva Sumanti; Azhar Azhar
Jurnal Ilmiah Manajemen & Bisnis Vol 7 No 1 (2022)
Publisher : Universitas Pendidikan Nasional

Penelitian ini dilakukan untuk menguji apakah service quality dan relationship marketing memiliki pengaruh yang nyata terhadap minat masyarakat menjadi nasabah. Penelitian ini dilakukan pada nasabah PT. Pegadaian UPC Kota Sungai Penuh. Penelitian ini merupakan penelitian kausalitas dengan populasi berjumlah 1.116 orang dan jumlah sampel 92 orang. Analisis data dilakukan dengan analisis regresi linear berganda, uji t, dan uji F. Hasil penelitian ini membuktikan bahwa terdapat pengaruh yang positif dan nyata dari service quality dan relationship marketing terhadap minat masyarakat menjadi nasabah PT. Pegadaian UPC Kota Sungai Penuh baik secara parsial maupun simultan.

PENGARUH PERTUMBUHAN PENJUALAN, PERTUMBUHAN PERUSAHAAN, DAN UKURAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN Elex Sarmigi; Eva Sumanti; Azhar Azhar
Jurnal Ilmiah Manajemen & Bisnis Vol 7 No 1 (2022)
Publisher : Universitas Pendidikan Nasional

Penelitian ini dilakukan untuk menguji apakah service quality dan relationship marketing memiliki pengaruh yang nyata terhadap minat masyarakat menjadi nasabah. Penelitian ini dilakukan pada nasabah PT. Pegadaian UPC Kota Sungai Penuh. Penelitian ini merupakan penelitian kausalitas dengan populasi berjumlah 1.116 orang dan jumlah sampel 92 orang. Analisis data dilakukan dengan analisis regresi linear berganda, uji t, dan uji F. Hasil penelitian ini membuktikan bahwa terdapat pengaruh yang positif dan nyata dari service quality dan relationship marketing terhadap minat masyarakat menjadi nasabah PT. Pegadaian UPC Kota Sungai Penuh baik secara parsial maupun simultan.

ANALISIS KOMPARASI PROFITABILITAS PT. BANK RAKYAT INDONESIA SYARIAH, TBK SEBELUM DAN SELAMA MASA PANDEMI COVID-19 Eva Sumanti; Faisal Amri; Elex Sarmigi
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 3 No. 2 (2022): 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.v3i2.1518

This study aims to analyze the financial perfomace of one of the islamic banks in Indonesia based on the profitability ratios before and during the covid-19 pandemic. As for the object in this study, namely PT. Bank Rakyat Indonesia Syariah Tbk. In this study the authors manage all aspects of the research contained in the profitability ratios including return on asset, return on equity, operating costs, net profit margi and gross profit margin with the hope that the final result of the research can find out whether there is a profitability comparasion at PT. Bank Rakyat Indonesia Syariah before and during covid-19 or there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah before and during covid-19. As for this type of research is a type of comparative descriptive research with a quantitative approach. The data contained in this study is non-parametric data with the Wilxocon test analysis technique using SPSS. With the results of the study there is a comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk, before and during covid-19 on the ratio return on asset while in other research aspects such as retun on equity, operating costs,net profit margin and gross profit margin there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk,before and during covid-19.

Determinasi Pengetahuan Masyarakat tentang Produk Bank Syariah: Akses Informasi, Pendidikan, Pengalaman, dan Sosialisasi Elex Sarmigi; Endah Sri Wahyuni; Bustami Bustami; Azhar Azhar; Samsul Bahry Harahap; Eva Sumanti
Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah Vol. 17 No. 02 (2025): Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah
Publisher : Prodi Ekonomi Syariah, Fakultas Syariah dan Hukum, Universitas PTIQ Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59833/q8fzgf22

This study aims to analyze the influence of education, access to information, experience, and Islamic banking socialization on the level of public knowledge regarding Islamic banking products. The study employed a quantitative approach using a survey design. Data were collected through Likert-scale questionnaires distributed to 264 respondents in Sawahan Koto Majidin Village selected through a sampling technique. Data analysis was conducted using multiple linear regression, including partial tests (t-test), simultaneous tests (F-test), and the coefficient of determination (R²). The findings reveal that, partially, education, access to information, and experience do not have a significant effect on the public’s level of knowledge regarding Islamic banking products. In contrast, Islamic banking socialization has a positive and significant effect. Simultaneously, all independent variables significantly influence the level of public knowledge. These findings indicate that improving public literacy regarding Islamic banking products is more effectively achieved through intensive and sustainable socialization and educational programs. This study highlights the importance of integrated educational strategies in strengthening public Islamic financial literacy.

Questioning Implications of the “Sharia Label” on Regulation and Politics of Muslims in Indonesia? Narratives of State Islamic University Students Bustami Bustami; Helmina Helmina; Kesi Afrilia; Eva Sumanti
Insight: Indonesian Journal of Social, Humanity, and Education Vol. 1 No. 4 (2026): Insight: Indonesian Journal of Social, Humanity, and Education
Publisher : Yayasan Abdurrauf Cendekia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70742/insight.v1i4.531

This article discusses the urgency of using the sharia label on Sharia Financial Institution (LKS) products, then what are the consequences of the sharia label being removed, and what are the implications of using the sharia label on the regulation and politics of Muslims in Indonesia. This article aims to question the implications of the “sharia label” on the regulation and politics of Muslims in Indonesia by looking at the narratives of Faculty of Economics and Islamic Business (FEBI) students. This article uses qualitative research methods. Primary data sources come from interviews with several FEBI students from various departments. While secondary data sources are library records including relevant books, scientific articles published in journals and other library materials. Data collection techniques are interviews and documentation. While the data analysis technique used is data condensation, data presentation, and conclusion drawing. The research findings show that the use of halal labels has implications for the overall operation and also the products of Sharia Financial Institutions (LKS) have their own attraction in the mechanism of LKS development. Therefore, through the Sharia Banking Law, the position of the substance of the DSN-MUI fatwa must be stated in the form of Bank Indonesia Regulation (PBI) so that it has binding legal force. Because PBI is one part of the legislation in the National legal system. Therefore, if you look at the understanding of students of the FEBI who are young academics towards the various applications of sharia principles contained in the DSN-MUI Fatwa, it requires a legitimisation process.

THE INFLUENCE OF FINANCIAL LITERACY, FINANCIALINCLUSION, AND FINTECH ON THE FINANCIAL BEHAVIOR OF MSMES IN SUNGAI PENUH CITY Endah Sri Wahyuni; Bustami Bustami; Eva Sumanti; Elvi Nilda; Samsul Bahry Harahap; Azhar Azhar
Journal Dialectica (Journal of Accounting Research) Vol. 1 No. 1 (2026): Dialectica : Journal of Accounting Research
Publisher : CV Visionary Raya Sakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67983/journaldialectica.v1i1.47

Research Objectives: This study aims to analyze the influence of financial literacy, financial inclusion, and financial technology (fintech) on the financial behavior of Micro, Small, and Medium Enterprises (MSMEs) in Sungai Penuh City. It also seeks to examine the simultaneous effects of these variables and identify the dominant factor influencing MSMEs’ financial behavior. Design/ Methodology / Approach Research: The study adopts a quantitative associative research design. The population consists of 30 MSMEs in Sungai Penuh City, all of which are selected as the sample using a simple random sampling technique. Data are collected through structured questionnaires using a five-point Likert scale. The research instruments are tested for validity and reliability. The data analysis techniques include: Classical assumption tests (normality, multicollinearity, heteroscedasticity) , Multiple linear regression analysis, Hypothesis testing using t-test and F-test, Coefficient of determination (R²) analysis, Statistical analysis is conducted using SPSS software. Research Results: The findings reveal that:Financial literacy has a positive and significant effect on MSMEs’ financial behavior, making it the most influential variable, Financial inclusion has a negative and insignificant effect, indicating that access to financial services does not necessarily translate into improved financial behavior, Fintech also shows a negative and insignificant effect, suggesting limited adoption and utilization among MSMEs, Simultaneously, financial literacy, financial inclusion, and fintech significantly influence financial behavior, as indicated by the F-test, The explanatory power of the model is relatively weak (R² = 28.7%), implying that other external factors also play a substantial role in shaping financial behavior. Implications of Research Results: The study implies that improving MSMEs’ financial behavior should primarily focus on enhancing financial literacy, as it is the key determinant of effective financial management. Additionally: There is a need to strengthen financial education and training programs for MSME actors, Efforts should be made to increase awareness and practical utilization of financial inclusion services, Policymakers and financial institutions should promote user-friendly and accessible fintech solutions, accompanied by education and mentoring, The findings also suggest that future research should incorporate additional variables, such as psychological factors, business experience, and policy support, to better explain MSMEs’ financial behavior.

DETERMINANTS OF CUSTOMER LOYALTY AT BANK SYARIAH INDONESIA (BSI) SUNGAI PENUH SUB-BRANCH OFFICE: THE ROLE OF SERVICE QUALITY AND TRUST Eva Sumanti; Endah Sri Wahyuni; Elex Sarmigi; Azhar Azhar; Eka Putra
INTEGRATIVE : Journal of Economics, Management, Business and Accounting Vol. 1 No. 2 (2026): Journal of Economics, Management and Accounting Studies
Publisher : CV. Visionary Raya Sakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67983/integrative.v1i2.84

Research Objectives: This study aims to examine the effects of service quality and trust on customer loyalty at Bank Syariah Indonesia (BSI) Sungai Penuh Sub-Branch Office. Design/ Methodology / Approach Research: This study employed a quantitative approach using a survey method. Data were collected from 60 customers selected through accidental sampling. The research instrument was tested for validity and reliability, and the data were analyzed using multiple linear regression, partial (t-test), simultaneous (F-test), and coefficient of determination (R²) with IBM SPSS Statistics. Research Results: The findings indicate that service quality does not have a significant effect on customer loyalty. In contrast, trust has a positive and significant effect on customer loyalty. Furthermore, service quality and trust simultaneously have a significant effect on customer loyalty. The regression model explains 64.5% of the variation in customer loyalty, while the remaining 35.5% is explained by other factors outside the research model. Implications of Research Results: The findings suggest that strengthening customer trust is more important than merely improving service quality in enhancing customer loyalty. Therefore, Bank Syariah Indonesia should prioritize strategies that reinforce trust through transparent communication, secure banking services, and consistent implementation of Sharia principles while maintaining high service quality.

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