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All Journal Islamika : Jurnal Ilmu-Ilmu Keislaman JURNAL PENDIDIKAN TAMBUSAI Sketsa Bisnis KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH 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) Al-DYAS : Jurnal Inovasi dan Pengabdian kepada Masyarakat Journal of Artificial Intelligence and Digital Business Jurnal Mahasiswa Manajemen dan Akuntansi Indonesian Research Journal on Education Jurnal Manajemen Dan Bisnis Ekonomi IIJSE Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah International Journal of Education, Management, and Technology 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 Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
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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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
Evaluasi Pelaksanaan Manajemen Risiko Operasional pada PT. Bank Syariah Indonesia KCP Padang Unand Putri, Wina Amanda; Elvira, Rini
Al-DYAS Vol 4 No 2 (2025): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/aldyas.v4i2.5071

Abstract

This reiseiarch is motivateid by thei impleimeintation of opeirational risk manageimeint at PT. Indoneisian Sharia Bank KCP Padang Unand. This reiseiarch aims to deiteirminei thei impleimeintation of opeirational risk manageimeint at PT. Bank Syariah Indoneisia KCP Padang Unand and thei eivaluation proceiss for impleimeinting opeirational risk manageimeint at PT. Indoneisian Sharia Bank KCP Padang Unand. This reiseiarch is a typei of fieild reiseiarch using qualitativei reiseiarch meithods with a deiscriptivei approach. Thei data sourceis for this reiseiarch arei primary data and seicondary data. Thei data colleiction teichniqueis arei through obseirvation, inteirvieiws and documeintation. Thei data analysis useid is data reiduction, data preiseintation and drawing conclusions. Thei reisults of this reiseiarch indicatei that thei impleimeintation of opeirational risk manageimeint at PT. Bank Syariah Indoneisia KCP Padang Unand useis thei stageis of risk ideintification, risk meiasureimeint, risk monitoring, risk control and manageimeint information systeims. In managing opeirational risk, Bank Syariah Indoneisia KCP Padang Unand impleimeints Busineiss Continuity Manageimeint (BCM). Thei risk manageimeint eivaluation carrieid out by Bank Syariah Indoneisia KCP Padang Unand involveis continuous deiveilopmeint of infrastructurei and risk manageimeint capabilitieis as weill as direict coordination with thei Ceintral Bank. Thei implications of this reiseiarch indicatei that thei risk manageimeint and eivaluation proceiss at PT. Bank Syariah Indoneisia KCP Padang Unand was carrieid out to anticipatei thei possibility of risks arising by handling theim eiarly, using guideilineis originating from thei ceintral Bank Syariah Indoneisia, eispeicially in managing opeirational risks.
Study on the Conversion of Conventional Cooperatives to Sharia System Maulida, Dian; Elvira, Rini
International Journal of Education, Management, and Technology Vol 3 No 1 (2025): International Journal of Education, Management, and Technology
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ijemt.v3i1.5033

Abstract

The objective of the present study is to examine and ascertain the obstacles encountered in converting Assa'Adah Multipurpose Cooperative (KSU) into a Sharia cooperative. The present study utilizes field research with descriptive qualitative methods, incorporating data collection techniques such as observation, structured interviews, and literature studies. The study's findings reveal that the primary obstacles at this stage stem from members' lack of understanding of what a Sharia cooperative is, leading to divergent views on the matter, with some members expressing positive sentiments and others negative. The transition process is encountering impediments in transferring member credit into financing without usury, necessitating the attendance and signature of all members on a letter of agreement if they wish for their credit to be transferred into the form of Qard. The PAD encountered impediments when a notary approved the PAD draft, a process that previously required the signature of the Sharia Supervisory Board. The absence of a DPS with a certificate of education and training from DSN-MUI further complicates the situation. Two key factors hinder the implementation of Sharia principles in cooperative enterprises. Firstly, there is a dearth of knowledge regarding sharia principles among the management and members of these cooperatives. Secondly, the prevalence of conventional operational practices impeded the application of sharia principles in cooperatives. The conversion of business activities is further hindered by the absence of contracts that are by Islamic principles. The possibility of reverting to a conventional cooperative model is not impeded. The Assa'Adah cooperative, in its comprehensive nature, is dedicated to the ongoing conversion process and the strict adherence to Sharia principles despite the protracted nature of this undertaking.
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.
Pengaruh Biaya Produksi Terhadap Harga Jual Pada Usaha Kecil Sovina Naudin Konveksi Di Pasar Aur Kuning Kota Bukittinggi Azizah, Nur; Elvira, Rini
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 1 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i1.11294

Abstract

The Muslim fashion industry in Indonesia is experiencing rapid growth along with rising consumer demand and the emergence of small businesses in the garment industry. However, pricing for small businesses is often hampered by a lack of information about the actual production cost structure. The purpose of this research is to determine the effect of production costs on selling prices at the small company Sovina Naudin Konveksi in Aur Kuning Market, Bukittinggi. The method used is an associative quantitative methodology, where primary data is obtained through interviews, observation, and documentation, while secondary data is obtained from the business's financial records. This research data consists of 35 data sets sourced from production cost and selling price bookkeeping for the period January 2022 to November 2024. The testing methods used include data normality, linearity and homogeneity tests, simple linear regression tests, t-tests, and adjusted R-Squared tests. The results indicate that production costs influence 22.9 percent of selling prices, while 77.1 percent is influenced by other unspecified factors. The implications of this research are the importance of implementing a structured and accurate cost recording system at Sovina Naudin Konveksi so that selling prices can be set rationally, avoiding the risk of loss and increasing competitiveness, as well as contributing to the literature on cost accounting and pricing strategies in the Muslim fashion sector of MSMEs in traditional markets.
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 Faisal Hidayat Fitri Yani Gusrianti Gusrianti Gusrianti Gusrianti, Gusrianti Gustina, Sari Hesi Eka Puteri 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 Sofia Ridha Sukra, Widia Tiawarman, Olivia Angelica Tini Hayatul Huri Tyara Dwi Putri Vina Addila Putri Wiqiyan, Khalid Yaswirman, Yaswirman Yuningsih, Ayu Yuwarman Mansur Zulfira, Putri Arrasy Avivah ZUWARDI, ZUWARDI