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All Journal EKONOMIS : Journal of Economics and Business Al-Kharaj: Journal of Islamic Economic and Business Halal Research Journal EKONOMIKA SYARIAH : Journal of Economic Studies Maqdis: Jurnal Kajian Ekonomi Islam Jurnal Salingka Nagari
AIDIL NOVIA
Universitas Islam Negeri Imam Bonjol Padang
Religion Agriculture, Biological Sciences & Forestry Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Social Sciences

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 1 
KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH DI SUMATERA BARAT DENGAN MENGGUNAKAN MAQASHID SYARIAH INDEX AIDIL NOVIA
Maqdis: Jurnal Kajian Ekonomi Islam Vol 5, No 1 (2020): Januari - Juli 2020
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (598.047 KB) | DOI: 10.15548/maqdis.v5i1.278

Abstract

The paper aimed to analyze Islamic Rural Banks (BPRS) performance in West Sumatera with maqashid syariah indeks (MSI) model. Quantitative approach used in this research, using Sekaran Operationalization Method and Islamic Maqashid Syariah Index (MSI) model established by Mustafa Umar. There were 3 indicators in this Maqashid Syariah Index (MSI): educating the individual (Tahdhib al-Fard), establishing justice (Iqamah Al-Adl) and public interest (Jalb al-Maslahah). The study found that generally maqashid shariah index (MSI) was above 50%. The ranking of BPRS performance from the highes to the lowest were: BPRS Al Makmur (73,54%), BPRS Haji Miskin (71,5%), BPRS Gajah Tongga Kota Piliang (71%),  BPRS Barakah Nawaitul Ikhlas (67,35%), BPRS Ampek Angkek Canduang (66,3%, BPRS), Mentari Pasaman Saiyo (60,87%), and BPRS Carana Kiat Andalas (60,77%).
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 Likuiditas, Leverage, Rasio Aktivitas, dan Good Corporate Governance Terhadap Financial Distress Perusahaan Industri dan Bahan Kimia pada Indeks Saham Syariah Indonesia Trisno Wahyudi Illahi; Aidil Novia; Sandra Ayu; Defriko Gusma Putra
Jurnal Salingka Nagari Vol. 4 No. 2 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jsn.v4i2.340

Abstract

This research aims to examine how Liquidity, Leverage, Activity Ratio, and Good Corporate Governance Influence Financial Distress among basic industrial and chemical companies listed on the Indonesian Sharia Stock Index (ISSI) during the 2020–2024 period. Financial distress refers to a severe financial condition in which a company faces difficulties in fulfilling its obligations, including the payment of debts, interest, and operational costs. In this study, financial distress is assessed using the Springate model, where a score below 0.862 indicates that a company is experiencing distress. The study adopts a quantitative method and relies on secondary data. From a total population of 67 companies, 54 firms were selected as the final sample after the outlier screening process. The sampling method applied is purposive sampling, and the data are analyzed using panel data regression with EViews 12 software. The findings reveal that liquidity has a negative and statistically significant impact on financial distress, while leverage shows a positive and significant effect. The activity ratio is found to have a negative and significant influence, whereas Good Corporate Governance demonstrates a positive but statistically insignificant effect. Simultaneously, all four independent variables significantly affect financial distress. These results highlight the crucial role of maintaining adequate liquidity, managing debt levels, improving operational efficiency, and strengthening corporate governance practices to reduce the risk of financial distress
Islamic Investment among Entrepreneurs: the Impact of Financial Literacy, Religiosity, and Risk Profile, With Technology as Moderating Variable Hadie Bandarian Syah; Hulwati Hulwati; Aidil Novia; Trinitaria Marlis Putri
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 9 No. 2 (2025): December 2025
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v9i2.9871

Abstract

The low level of entrepreneurial participation in Islamic investment, despite the promising growth of the Islamic finance industry, serves as the main motivation for this study. This research aims to analyze the influence of financial literacy, religiosity, and risk profile on Islamic investment decisions, with technology as a moderating variable, among entrepreneurs in Padang City. A quantitative approach with descriptive and associative design was employed. Data were collected through questionnaires distributed to 100 Muslim entrepreneurs in Padang who owned at least one type of Islamic investment. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software. The findings reveal that financial literacy, religiosity, and risk profile have a significant positive effect on Islamic investment decisions. Technology was found to play a significant moderating role by strengthening the relationship between the independent variables and investment decisions. This study addresses a research gap by highlighting technology as a rarely discussed factor and positioning entrepreneurs as research objects based on the assumption that they possess greater investment capacity. Practically, the study provides insights for Islamic finance practitioners to continuously innovate and develop marketing strategies through technology. Academically, this research enriches the literature on Islamic finance by integrating it with social behavior and technological perspectives. Tingkat partisipasi kewirausahaan yang rendah dalam investasi syariah, meskipun industri keuangan syariah menunjukkan pertumbuhan yang menjanjikan, menjadi motivasi utama penelitian ini. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, keagamaan, dan profil risiko terhadap keputusan investasi syariah, dengan teknologi sebagai variabel moderator, di kalangan wirausahawan di Kota Padang. Pendekatan kuantitatif dengan desain deskriptif dan asosiatif digunakan. Data dikumpulkan melalui kuesioner yang dibagikan kepada 100 wirausaha Muslim di Padang yang memiliki setidaknya satu jenis investasi syariah. Data dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan perangkat lunak SmartPLS. Temuan menunjukkan bahwa literasi keuangan, keagamaan, dan profil risiko memiliki pengaruh positif yang signifikan terhadap keputusan investasi syariah. Teknologi ditemukan memainkan peran moderasi yang signifikan dengan memperkuat hubungan antara variabel independen dan keputusan investasi. Studi ini mengisi celah penelitian dengan menyoroti teknologi sebagai faktor yang jarang dibahas dan menempatkan wirausaha sebagai objek penelitian berdasarkan asumsi bahwa mereka memiliki kapasitas investasi yang lebih besar. Secara praktis, studi ini memberikan wawasan bagi praktisi keuangan Islam untuk terus berinovasi dan mengembangkan strategi pemasaran melalui teknologi. Secara akademis, penelitian ini memperkaya literatur keuangan Islam dengan mengintegrasikannya dengan perspektif perilaku sosial dan teknologi.
Pengaruh Transparansi dan Akuntabilitas terhadap Kinerja Pengelola Zakat dengan Jenis Lembaga Sebagai Moderasi Denta Safitri; Alim Erdiansah; Aidil Novia; Hulwati Hulwati
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2585

Abstract

The purpose of this study was to examine how transparency and accountability affect the performance of zakat managers with the type of institution as a moderating variable. The population in this study were muzaki at Baznas Padang City and Lazismu Padang City. The sample size used Hair's formula which resulted in a sample size of 200. The sampling technique used purposive sampling and the analysis technique used SEM (Structural Equation Model) with Smart-PLS. The results of this study indicate that there is one direct effect test whose results are positive and significant, namely: Transparency has a positive and significant effect on Zakat Management Performance, while Accountability has a positive but insignificant effect on Zakat Management Performance. The results of the influence test with moderating variables show that the Type of Institution strengthens the relationship between Transparency and Zakat Management Performance but is not significant.
Policy Evaluation Of The Halal Product Guarantee Agency (BPJPH): Impact On Producer Compliance Anisa Tul Fitri; Ahmad Wira; Aidil Novia
Halal Research Vol 5 No 2 (2025): July
Publisher : Halal Center ITS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12962/j22759970.v5i2.2523

Abstract

The existence of the Halal Product Guarantee Agency (BPJPH) is an important milestone in the halal certification system in Indonesia in accordance with the mandate of Law No. 33 of 2014 concerning Halal Product Guarantee. BPJPH has full authority in formulating policies, establishing norms, standards, procedures, and issuing and revoking halal certificates, including supervising halal auditors. However, the implementation of halal certification policies still faces significant challenges, especially in the Micro, Small and Medium Enterprises (MSMEs) sector, with certification rates only reaching around 30% of the 64 million MSMEs due to relatively high certification costs, limited access to information, and complex administrative procedures. This study aims to evaluate BPJPH policies related to halal certification and their impact on producer compliance, especially MSMEs, and identify inhibiting factors and opportunities for policy improvement. The method used is a literature study with a qualitative descriptive approach, analyzing BPJPH policy documents for the 2015-2024 period and case studies of producers involved in the halal certification process. The results showed that BPJPH policies such as Minister of Religious Affairs Regulation No. 26 of 2020 and BPJPH Regulation No. 3 of 2021 succeeded in increasing producer compliance through reducing costs and simplifying procedures. The dominant factors influencing compliance are halal market awareness, affordable costs, and halal certification.
Determinants of the Decision to Purchase Halal Toiletries with Trust as a Mediating Variable and Religiosity as a Moderation Among the Muslim Community in Padang City Wahyu Sriutami; Hulwati; Aidil Novia
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.11174

Abstract

Halal Toiletries are personal care products produced in accordance with halal principles and are intended to meet the needs of Muslim consumers. The purpose of this study is to reveal the determinants of purchasing decisions for halal toiletries products, including halal awareness, brand image, and product quality with trust as a mediating variable and religiosity as a moderating variable. The method in this study uses quantitative, with the population being the Muslim community in Padang City who have purchased halal toiletries products. The sample size used 156 samples. The sampling technique used purposive sampling and technical analysis used Sem-PLS with Smart-PLS 4 software. The results of this study indicate that product quality and brand image variables have a positive and significant effect on purchasing decisions for halal toiletries products, while halal awareness has a negative and insignificant effect. Halal awareness and product quality have a positive and significant effect on purchasing decisions for halal toiletries products with trust as a mediator, while brand image has a positive and insignificant effect on purchasing decisions with trust as a mediator. Halal awareness has a positive and insignificant effect on purchasing decisions for halal toiletries products with religiosity as a moderating factor. Product quality has a negative and insignificant effect on purchasing decisions for halal toiletries, with religiosity as a moderating factor. Therefore, this study offers insights for the halal industry in optimizing product quality and brand image to influence consumer purchasing decisions for halal products
Co-Authors Ahmad Wira Alek Wissalam Bustami Alim Erdiansah Anisa Tul Fitri DEFRIKO GUSMA PUTRA Denta Safitri Hadie Bandarian Syah Hulwati Hulwati Hulwati Muhammad Luthfi Paisal Rahmat REZKI AGRISA DITAMA SANDRA AYU Trinitaria Marlis Putri Trisno Wahyudi Illahi Wahyu Sriutami