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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 Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Income: Innovation Of Economics And Management 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 Ekonomi dan Bisnis IIJSE Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah International Journal of Education, Management, and Technology 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
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
Co-Authors Amsah Hendri Doni Apriani, Yosi Asnaini Asnaini, Asnaini Asyari Chrismondari, Chrismondari Devianto, Dodi Dwi Nofitri, Fany Era Sonita Fitri Yani Gusrianti Gusrianti Gusrianti Gusrianti, Gusrianti Hesi Eka Puteri Hidayat, Faisal Iiz Izmuddin Ikbal, Rahmat Imamuddin Imamuddin Imamuddin, Imamuddin Islami, Elga Mayora Laura Maulina M. Imamuddin Mansur, Yuwarman Maulida, Dian Miraldi, Tasya Nanda Reza Safitri Nor Azilah Husin Nur Azizah Nursya’diah Nursya’diah Nursyirwan Effendi, Nursyirwan Putri Rizkika Handayani Putri, Wina Amanda Rahma Meli Putri Ridha, Sofia Rika Desiyanti Safnedi, Sefnedi Sania, Rahmayani Sawitri Sawitri Sevira Eka Putri Sofia Ridha Sukra, Widia Tyara Dwi Putri Yaswirman, Yaswirman Yuningsih, Ayu Yuwarman Mansur Zuwardi Zuwardi ZUWARDI, ZUWARDI