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All Journal Islamika : Jurnal Ilmu-Ilmu Keislaman JURNAL PENDIDIKAN TAMBUSAI Sketsa Bisnis KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Manhaj: Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Manajemen Universitas Bung Hatta Ihtiyath : Jurnal Manajemen Keuangan Syariah Didaktik : Jurnal Ilmiah PGSD STKIP Subang Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Journal of Artificial Intelligence and Digital Business Jurnal Mahasiswa Manajemen dan Akuntansi Indonesian Research Journal on Education Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Ekonomi dan Bisnis SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah IIJSE Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi PESHUM Jurnal El Rayyan: Jurnal Perbankan Syariah Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Jurnal Ilmiah Manajemen Dan Kewirausahaan
Rini Elvira
Universitas Islam Negeri Sjech M.Djamil Djambek Bukittinggi,
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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IDENTIFIKASI FAKTOR – FAKTOR YANG MEMPENGARUHI KEPUASAN NASABAH PENGGUNA INTERNET BANKING PADA BANK NAGARI CABANG SYARIAH BUKITTINGGI Sawitri, Sawitri; Rini Elvira
Jurnal Ekonomi dan Bisnis Vol. 2 No. 9 (2024): September
Publisher : ADISAM PUBLISHER

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Abstract

The development of information technology has brought significant changes to the banking industry, including the application of internet banking. This research aims to identify factors that influence customer satisfaction with internet banking users at Bank Nagari Syariah Branch, Bukittinggi. Based on initial observations, seven factors were found that influence customer satisfaction, namely: product quality, service quality, fulfillment of emotional aspects, product price, costs, ease of access, and transaction experience. This research uses a quantitative approach with a survey method involving 30 customers who use internet banking. Data was collected through questionnaires and analyzed using descriptive statistics. The research results show that the factors of service quality, fulfillment of emotional aspects, and product price have a high level of satisfaction among customers. Meanwhile, product quality, cost, ease of access and transaction experience factors show lower levels of satisfaction. It is hoped that these findings will provide insight for Bank Nagari Syariah in improving internet banking services and providing better satisfaction for customers. Apart from that, this research also contributes to the literature regarding customer satisfaction and the use of sharia banking technology in Indonesia.
STRATEGI PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH PADA BMT AGAM MADANI NAGARI KAPAU Rahma Meli Putri; Rini Elvira
Jurnal Ekonomi dan Bisnis Vol. 2 No. 9 (2024): September
Publisher : ADISAM PUBLISHER

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Abstract

Problematic financing is a situation where in its implementation there is a breach of contract due to the customer's inability or difficulties experienced by the debtor in fulfilling obligations or in repayment of installments, and not fulfilling the requirements promised to the creditor. Murabahah products are one of the superior financing products at BMT Agam Madani Nagari Kapau. The most important basic principle of BMT is to collect funds from the community and distribute them to the community. This article aims to examine the factors causing problematic financing of Murabahah bil Wakalah contracts at BMTPAS and strategies for resolving problematic financing carried out by BMT PAS. This research method uses a field research method with a qualitative approach where data sources are collected through interviews and field observations as well as documentation studies related to the resolution of problematic financing. The research results show that the causes of financing problems at BMT PAS come from internal factors of BMT and external factors from errors by financing members. Resolving Problematic Financing by mitigating risks at the outset by always paying attention to the 5K principles, namely Character, Capacity, Capital, Collateral and Condition. The strategy for resolving problematic financing is carried out by repeated billing, through deliberation with a persuasive or family approach, and writing off receivables including write-offs and write-offs, and holding committee meetings, and providing warning letters to customers.
Peran Perguruan Tinggi Ekonomi Islam dalam Mempersiapkan Sumberdaya Manusia Syariah Rini Elvira
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2015)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v1i2.774

Abstract

The more rapid growth and development of islamic financial institutions (especially the islamic banks) have a positive impact on the increasing need for human resources (HR) sharia. To meet the needs of qualified human resources sharia, professional, and in accordance with the needs and expectations of the Islamic finance industry, required the participation of all parties. One of the parties that have a high contribution is Islamic colleges (PTAI) through the Department of Islamic economics. Department of Islamic economics should play an active role in preparing qualified human resources and professional sharia so as to meet the needs and expectations of the Islamic finance industry. In an effort to produce quality graduates and professionals the Department of Islamic economics can contribute by: (1) Open prgram studies, (2) formulate a curriculum that is appropriate to combine courses that provide knowledge professionalism of economics, finance, banking, business, knowledge of sharia ( law & applications) as well as moral values (faith and morals), (3) Provision of funds development, (4) conduct training that is relevant, (5) the development of research and scientific work, (6) provided facilities for adequate learning; matriculation language, library (complete literature), lab mini bank, (7) the teaching staff of competent and qualified, (8) support programs such as; internships, on-job training.
Pengaruh Belanja Daerah Terhadap Pembangunan Manusia di Pulau Sumatera Tahun 2019-2023 Dwi Nofitri, Fany; Elvira, Rini
KEUDA (Jurnal Kajian Ekonomi dan Keuangan Daerah) Vol 9 No 2 (2024)
Publisher : Universitas Cenderawasih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52062/keuda.v9i2.4136

Abstract

This study aims to test and see whether regional spending with capital expenditure indicators has an influence on human development with the Human Development Index (HDI) indicator on the island of Sumatra in 2019-2023. Secondary data is used with data collection techniques, namely through documentation of publication data sourced from several official websites of government agencies such as the Central Statistics Agency (BPS) for Human Development Index (HDI) data and the Directorate General of Fiscal Balance (DJPK) for capital expenditure data in all provinces on the island of Sumatra from 2019-2023. The data analysis technique used is simple linear regression. The results obtained show that capital expenditure has a significant negative effect on the Human Development Index (HDI) on the island of Sumatra. Also, the results of the coefficient of determination of capital expenditure have an effect of 0.080 equal to 8 percent on the Human Development Index (HDI). This means that 8 percent of human development (HDI) is influenced by regional expenditure (capital expenditure). While the remaining 92 percent is influenced by other factors not examined. Keywords: regional expenditure, capital expenditure, human development, HDI
PENGARUH RELATIONSHIP QUALITY TERHADAP LOYALITAS NASABAH PT BPRS BENGAWAN PUASYARIAH Ikbal, Rahmat; Elvira, Rini
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 2 No. 2 (2023): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/jer.v2i2.416

Abstract

STRATEGI PRODUK, PENETAPAN HARGA, PROMOSI, DAN LOKASI DALAM MENINGKATKAN PENJUALAN PRODUK ARRUM (Studi : PT.Pegadaian Syariah Cabang Simpang Sekip Kota Bengkulu) Elvira, Rini
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 2 (2017): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v2i2.1057

Abstract

Within the last five years PT. Pegadaian Syariah Cabang Simpang Sekip Kota Bengkulu have difficulty in increasing the number of the customer  product ARRUM. Thus causing often do not achieve the sales target. This research attempt formulated product strategy, pricing, promotions, and location can be used as an attempt to increase the number of customer product ARRUM by using SWOT analysis. The results of research to formulate 6 (six) product strategy, namely, (1) maintaning corporate identity,(2) maintaining consistent product services, (3) consistenly maintaining value estimates are a product, (4) pay more attention to the comfort of the customer, (5) using a service-based information tecnology for ease of transactions, and (6) maintaining  the quality of product. The Four (4) pricing strategies, namely, (1) maintaining consistent estimates of the financing, (2) administration costs of maintaining a consistenly competitive, (3) extend the term of payment, (4) set the ujrah competitively. Three (3) promotional strategy, (1) expanding media promotion, (2) promotion with a fixed frequency which pay attention to cost efficiency, (3) optimize the capabilities of your existing salespeople. Two (2) distribution strategy (location, consisting of, (1) expand the areas of marketing, and (2) more focus on the market potential of the environment site  PT. Pegadaian Syariah Cabang Simpang Sekip Kota Bengkulu.Keywords : strategy, product, price, promotion, location, sales
Bantuan Dana Hibah Anggaran Pendapatan dan Belanja Daerah (APBD) dan Pengaruhnya Terhadap Kinerja Manajemen BAZNAS di Provinsi Sumatera Barat Elvira, Rini; Yaswirman, Yaswirman; Effendi, Nursyirwan; Devianto, Dodi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.5015

Abstract

This study aims to determine the causal-comparative relationship between the variable of APBD grant funding assistance and BAZNAS management performance. This study involved all BAZNAS in West Sumatra Province selected by total sampling with data sourced from PuskasBAZNAS publication. Simple linear regression analysis tested the comparative causal relationship between the two variables. The research show that the variable of APBDfunding does not affect to the management performance of BAZNAS in West Sumatra Province, but it is influenced by other factors, such as leadership, employees and organisational culture, availability of financial resources, governance, policies and strategies, technology utilisation, muzakki trust in BAZNAS, transparency and accountability, and local cultural values. The implication of this research is as a basis for future local government policy considerations in allocating APBD grant funding assistance, and for BAZNAS efforts to improve the efficiency and effectiveness of BAZNAS in zakat management.
Pengukuran Kinerja Pengelolaan Zakat Nasional menggunakan Indeks Zakat Nasional (IZN) 2.0 dan Dampaknya terhadap Pengentasan Kemiskinan di Indonesia Periode 2021 Elvira, Rini
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.2855

Abstract

The study aims to measure the performance of national zakat management and its impact on poverty alleviation in Indonesia for the 2021 period. National Zakat Index (N.Z.I.) 2.0, formed based on macro and micro dimensions, is used to measure the performance of national zakat management. The General Poverty Index (GPI), with headcount index, income gap ratio, poverty gap, sen index, and F.G.T. index, and the B.A.Z.N.A.S. Welfare Index (B.W.I.), with indicators of the poverty line, had kifayah. Nisab zakat is used to measure the impact of zakat management on poverty alleviation in Indonesia for the 2021 period. The result show (1) The performance of the national zakat management for the 2021 period is considered very good, with an N.Z.I. value of 0,88. (2) Based on the GPI and B.W.I. indicators, the management of national zakat in the distribution sector has been able to improve the welfare of mustahik and alleviate poverty in Indonesia for the 2021 period
PENGARUH PROFITABILITAS DAN NILAI PASAR TERHADAP HARGA SAHAM SYARIAH PADA PERUSAHAAN YANG TERDAFTAR DI JAKARTA ISLAMIC INDEX (JII) TAHUN 2011-2013 Asnaini, Asnaini; Elvira, Rini; Yuningsih, Ayu
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 1, No 2 (2016): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v1i2.876

Abstract

This research aimed to investigate the effect of profitability ratio (ROA,ROE) and market value ratio (EPS) on sharia stock price at companies listed in Jakarta Islamic Index (JII). This research was applied research which is assosiative quantitative. The population of this research was all of companies listed in Jakarta Islamic Index (JII) in 2011-2013 period. In selecting the sample was done by purposive sampling technique. The number of samples were 24 companies listed in Jakarta Islamic Index (JII) within 3 years a row. This research used multiple regression linier techniques in hypothesis testing. Research result showed that Return On Assets (ROA), Return On Equity (ROE), and Earning Per Share (EPS) simultaneously have a possitive and significant effect on sharia stock price. While, the effect was partially different, Return On Assets (ROA) and Return On Equity (ROE) had not possitive and significant effect on sharia stock price. While Earning Per Share (EPS) has possitive and significant effect on sharia stock price.Key Words:  Sharia Stock, Sharia Stock Price, ROA, ROE, EPS
Analisis Strategi Bersaing pada Cafe Tanti Kitchen di Kabupaten Tanah Datar Menurut Perspektif Etika Bisnis Islam Miraldi, Tasya; Zuwardi, Zuwardi; Elvira, Rini; Hidayat, Faisal
Indonesian Research Journal on Education Vol. 5 No. 5 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i5.3422

Abstract

Tujuan dari penelitian ini adalah untuk melihat strategi persaingan di Cafe Tanti Kitchen di Kabupaten Tanah Datar dari sudut pandang Etika bisnis Islam dengan analisis SWOT. Hal Penelitian ini didasarkan pada persaingan yang semakin ketat di industri kuliner, terutama perusahaan kafe, yang menuntut bisnis untuk mempertimbangkan etika bisnis islam selain keuntungan finansial. Tujuan dari penelitian ini adalah untuk menemukan kekuatan, kelemahan, peluang, dan ancaman Cafe Tanti Kitchen. Selain itu, itu juga akan membangun strategi kompetisi yang sesuai dengan prinsip-prinsip bisnis Islam. Penelitian lapangan menggunakan pendekatan kualitatif digunakan. Untuk tujuan ini, analisis SWOT (Strengths, Weaknesses, Opportunities, and Threats) digunakan. mengumpulkan data untuk Cafe Tanti Kitchen; ini dikumpulkan melalui dokumentasi dan wawancara mendalam dengan pemilik, karyawan, dan pelanggan. Selanjutnya, data ini digunakan untuk menentukan berbagai elemen di dalam dan di luar yang mempengaruhi strategi persaingan kafe. Hasil penelitian menunjukkan bahwa strategi Strength-Opportunity (SO) adalah yang paling efektif, dengan skor tertinggi. 4,17. Untuk memperkuat posisi dan meningkatkan pemasaran, strategi ini secara efektif Kombinasi nilai dan strategi ini tidak hanya pasar dan peluang eksternal. Strategi ini sesuai dengan etika bisnis Islam, yang ditunjukkan oleh Ketauhidan, yang memiliki musholla khusus untuk karyawan. Keadilan, melalui harga yang sepadan Kehendak Bebas, yang memungkinkan karyawan dan pelanggan untuk menjadi kreatif. tanggung jawab untuk menjaga kebersihan, halal, dan thayyib, serta kebenaran, dengan harga yang jelas. Kombinasi nilai dan strategi ini tidak hanya membuat pemasaran dan reputasi merek kafe melalui menu menarik dan pelayanan ramah, tetapi juga meningkatkan posisinya sebagai perusahaan halalan thayyiban yang menganut nilai-nilai Islam.
Co-Authors Adiman, Adiman Amsah Hendri Doni Apriani, Yosi Asnaini Asnaini, Asnaini Asyari Cahyani, Indri Puji Cania, Resi Fitri Chrismondari, Chrismondari Devianto, Dodi Dwi Nofitri, Fany Era Sonita Fitri Yani Gusrianti Gusrianti Gusrianti Gusrianti, Gusrianti Gustina, Sari Hayatul Huri, Tini Hesi Eka Puteri Hidayat, Faisal Iiz Izmuddin Ikbal, Rahmat Indika Juang Putra Islami, Elga Mayora Laura Maulina M. Imamuddin Mansur, Yuwarman Maulida, Dian Miraldi, Tasya Muhammad Luthfi Mulyani, Hilda Nanda Reza Safitri Nor Azilah Husin Nur Azizah Nurhaliza, Suri Nursya’diah Nursya’diah Nursyirwan Effendi, Nursyirwan Putri Rizkika Handayani Putri, Wina Amanda Rahma Meli Putri Ridha, Sofia Rika Desiyanti Safnedi, Sefnedi Sawitri Sawitri Sevira Eka Putri Silvi Anggraini Sofia Ridha Sukra, Widia Tiawarman, Olivia Angelica Tyara Dwi Putri Vina Addila Putri Wiqiyan, Khalid Yaswirman, Yaswirman Yuningsih, Ayu Yuwarman Mansur Zulfira, Putri Arrasy Avivah Zuwardi Zuwardi ZUWARDI, ZUWARDI