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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) Journal Of Business, Finance, and Economics (JBFE) 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 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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Peran Industri Rumah Tangga dalam Mengurangi Pengangguran di Nagari Kampung Tangah Kecamatan Lubuk Basung Kabupaten Agam Islami, Elga Mayora; Sonita, Era; Elvira, Rini; Doni, Amsah Hendri
Jurnal Pendidikan Tambusai Vol. 9 No. 3 (2025): Desember
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pengangguran merupakan salah satu permasalahan sosial yang hingga kini masih menjadi tantangan serius, terutama di wilayah pedesaan seperti Nagari Kampung Tangah. Keterbatasan lapangan pekerjaan formal, rendahnya keterampilan tenaga kerja, serta terbatasnya akses terhadap sumber daya ekonomi menjadikan masyarakat desa rentan terhadap pengangguran. Dalam situasi ini, industri rumah tangga muncul sebagai solusi alternatif yang tidak hanya menopang ekonomi keluarga, tetapi juga memberikan kontribusi nyata dalam menciptakan lapangan pekerjaan di tingkat lokal.Penelitian ini bertujuan untuk mengetahui peran industri rumah tangga dalam mengurangi pengangguran di Nagari Kampung Tangah, Kecamatan Lubuk Basung, Kabupaten Agam. Latar belakang penelitian ini didasari oleh tingginya angka pengangguran dan sempitnya lapangan pekerjaan di daerah tersebut. Dalam konteks ini, industri rumah tangga khususnya usaha krey dari pelepah rumbia dipandang memiliki potensi sebagai solusi alternatif untuk mengatasi persoalan ekonomi masyarakat. Penelitian ini menggunakan metode kualitatif deskriptif dengan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi terhadap pelaku dan pekerja industri rumah tangga krey. Hasil penelitian menunjukkan bahwa industri rumah tangga krey pelepah rumbia mampu memberikan kontribusi dalam mengurangi pengangguran, meskipun dalam skala terbatas. Industri ini menyerap tenaga kerja dari kalangan keluarga dan masyarakat sekitar, sehingga dapat menambah pendapatan keluarga dan meningkatkan taraf hidup. Namun, keterbatasan modal, akses pasar, dan bahan baku masih menjadi kendala dalam mengoptimalkan peran industri rumah tangga secara menyeluruh. Dalam perspektif ekonomi Islam, usaha ini sejalan dengan prinsip kerja, produktivitas, dan kemandirian ekonomi yang dianjurkan dalam ajaran Islam.
The Influence of E-Wallet Usage and Lifestyle on Consumptive Behavior with Self-Control as a Moderating Variable Sukra, Widia; Asyari; Hesi Eka Puteri; Rini Elvira
SKeTsa Bisnis (e-jurnal) Vol 12 No 2 (2025): Sketsa Bisnis
Publisher : Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/0qqq8g70

Abstract

Introduction; The purpose of this study was to measure and analyze the influence of e-wallet usage and lifestyle on consumer behavior, with self Discipline as a moderating variable among Muslim millennials in Bukittinggi City. Method; This study was quantitative with a descriptive approach. A sample of 300 respondents, representing Muslim millennials who use e-wallets in Bukittinggi City, was selected. Data collection involved observation and questionnaire distribution. The data were then analyzed using Structural Equation Modeling (SEM) techniques using the SmartPLS application. Results; The study revealed that both e-wallet usage and lifestyle have a positive and significant impact on consumptive behavior among Muslim millennials in Bukittinggi. Additionally, self-discipline was found to significantly weaken the influence of lifestyle on consumptive behavior, while its moderating effect on the relationship between e-wallet usage and consumptive behavior was not significant. Conclusion;Self-discipline, as a form of self-discipline, has a significant moderating effect in weakening the relationship between lifestyle and consumptive behavior among Muslim millennials in Bukittinggi City. However, its moderating effect on the relationship between e-wallet usage and consumptive behavior is not statistically significant.
Pengaruh Price Earning Ratio (PER) terhadap Harga Saham Syariah pada Bank Syariah Indonesia Sevira Eka Putri; Rini Elvira
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 5 No. 1 (2026): Januari: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v5i1.5579

Abstract

This research aims to determine the impact of the Price Earnings Ratio (PER) on the Sharia share price of Bank Syariah Indonesia (BSI). The Sharia share price refers to the price set by a company for shares in line with Islamic principles. Many factors influence share prices, with the PER being a key fundamental variable. The study employs a quantitative approach, utilizing secondary data from the Indonesia Stock Exchange and financial reports of BSI from 2019 to 2024, with a sample size of N=71. The analysis involves normality, homogeneity, and linearity tests, along with hypothesis testing (t-test), simple linear regression, and the Adjusted R-Squared Test. The findings indicate that the PER significantly affects the Sharia share price (Y), with a significance value of 0.000 (p < 0.05) and a t-count of 4.554, which exceeds the t-table value of 1.690, suggesting a positive and significant relationship. The R-Squared value is 0.372, meaning the PER explains 37.2% of the variation in share prices, with the remaining 62.8% influenced by other factors not covered in this research, such as EPS, PBV, and others.
EFFECTIVENESS OF RESTRUCTURING PROBLEMATIC PEOPLE'S BUSINESS CREDIT FINANCING AT BSI KCP LUBUK SIKAPING Putri Rizkika Handayani; Rini Elvira; Gusrianti; M. Imamuddin
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 07 (2025): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v5i07.1773

Abstract

One of the activities of Islamic banks is financing. The People's Business Credit (KUR) product is one of the products owned by BSI KCP Lubuk Sikaping. However, several communities in Lubuk Sikaping experience problematic KUR financing. One way to overcome problematic financing is through financing restructuring. This study aims to observe the implementation of restructuring of problematic KUR financing at BSI KCP Lubuk Sikaping and to observe the effectiveness of the restructuring efforts that have been carried out. This study is a type of research using a descriptive qualitative method with data collection techniques through structured interviews and literature studies. The results of this study indicate that the implementation of restructuring of problematic KUR financing at BSI KCP Lubuk Sikaping goes through several stages: customer applications, document collection, financing analysis, customer interviews, and a committee with decision-makers. In practice, BSI KCP Lubuk Sikaping has been effective in carrying out restructuring efforts
Kontribusi Destinasi Wisata dalam Mengoptimalkan Retribusi Dinas Pariwisata Kota Bukittinggi Nursya’diah Nursya’diah; Rini Elvira; Iiz Izmuddin; Zuwardi Zuwardi
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 5 No. 1 (2026): Januari: Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v5i1.5640

Abstract

The background of this research is the tendency for retribution realization from tourist destinations in Bukittinggi City to be consistently below its target. The study aims to measure the contribution of tourist destinations in optimizing the retribution of the Bukittinggi City Tourism Office. The research uses a descriptive quantitative method, collecting secondary data from the Bukittinggi City Tourism Office (2015-2024) and primary data (interviews and observations). The research objects include the Kinantan Wildlife and Cultural Park (TMSBK) and the Japanese Cave Panorama Park (TPLJ). The results show that the contribution of tourist destinations to retribution is quite significant, with the highest percentage reaching 49.39% in 2024 and an average of 50.51% in the "very good" category. However, this contribution still shows yearly fluctuations and is not yet optimal. The internal management of retribution faces major challenges, including illegal parking and the use of conventional payment systems. This research concludes that the optimization of retribution not only depends on internal performance but also requires a management system that upholds justice, transparency, and public benefit.The implication of this research is the importance of evaluating data to identify strengths and weaknesses in the retribution management system, in order to support the annual achievement of optimal retribution.
The Rationality of Emergency Consumption by Muslim Consumers in the Perspective of Sharia Microeconomics Mulyani, Hilda; Wiqiyan, Khalid; Tiawarman, Olivia Angelica; Adiman, Adiman; Elvira, Rini
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4549

Abstract

Emergencies such as disease outbreaks and global food crises challenge the basic assumptions of Islamic microeconomics regarding Muslim consumer preferences, which are bound by the certainty of halal. In the face of limited supplies and threats to life, Muslim consumers are faced with a dilemma between compliance with halal principles and the fulfillment of emergency needs. This article analyzes changes in Muslim consumer rationality in emergency conditions by placing it within the framework of Islamic microeconomics. The study uses a literature review method with a conceptual-analytical approach to Islamic consumption theory, the concepts of maslahah and maqashid al-shariah, as well as the dynamics of supply and demand in crisis situations. Under normal circumstances, haram goods do not form a demand curve due to sharia prohibitions. However, when an emergency threatens life and there are no halal alternatives available, a demand point emerges, which is an incidental demand point that is not influenced by price and only reflects the minimum requirements to maintain safety of life. Rationality is not oriented towards maximizing utility, but rather towards protecting maqashid, especially hifz al-nafs. Emergency consumption is temporary, limited, and does not change the original law of prohibition. This study offers a demand point framework as an improvement to demand analysis in Islamic microeconomics while also providing policy implications for strengthening the halal product assurance system so that it can respond to crises without compromising Sharia integrity.
Implementasi Manajemen Risiko dalam Pembiayaan Murabahah Bermasalah pada BPRS Haji Miskin Pandai Sikek Cania, Resi Fitri; Elvira, Rini; Imamuddin, M.; Gusrianti, Gusrianti
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5759

Abstract

Pembiayaan murabahah merupakan salah satu instrumen utama dalam penyaluran dana oleh BPRS, termasuk BPRS Haji Miskin Pandai Sikek. Meskipun memiliki tingkat popularitas tinggi dikalangan nasabah, pembiayaan murabahah tetap mengandung risiko, khusunya risiko pembiayaan bermasalah yang tercermin dari meningkatnya rasio Non Performing Financing (NPF) selama tiga tahun terakhir. Penelitian ini adalah bertujuan untuk untuk mengetahui bagaimana implementasi manajemen risiko yang digunakan dalam mengatasi pembiayaan bermasalah pada produk murabahah di BPRS Haji Miskin Pandai Sikek. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Teknik pengumpulan data dilakukan melalui wawancara terstruktur dengan pihak internal BPRS Haji Miskin Pandai Sikek dan studi kepustakaan. Metode analisis data yang digunakan adalah analisis isi (content analysis) untuk memperoleh pemahaman yang mendalam mengenai kebijakan dan strategi manajemen risiko yang diterapkan dalam pengelolaan pembiayaan murabahah bermasalah. Hasil penelitian menunjukkan bahwa BPRS Haji Miskin Pandai Sikek telah menerapkan tahapan manajemen risiko, yaitu identifikasi risiko, pengukuran risiko, pemantauan risiko, dan pengendalian risiko. Namun, impelemntasi tersebut belum berjalan secara optimal. Ditemukan beberapa kendala seperti kurangnya ketelitian dalam analisis kelayakan nasabah, lemahnya pemantauan portofolio pembiayaan, serta keterbatasan sumber daya manusia dan teknologi pendukung. Oleh karena itu, BPRS perlu memperkuat sistem manajemen risikonya agar dapat menekan angka pembiayaan bermasalah dan menjaga stabilitas keuangan lembaga.
Transformasi Akad Mudharabah di Era Digital : Inovasi Fintech Syariah dalam Meningkatkan Transparansi dan Akurasi Investasi Kesy Yumaida Kasih; Fiska Ummyza; Rini Putri; Rani Safitri; Rini Elvira
Journal Of Business, Finance, and Economics (JBFE) Vol 6 No 2 (2025): Desember : Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v6i2.7764

Abstract

This study discusses the application of sharia fintech with mudharabah contracts in the perspective of sharia microeconomics, particularly in relation to the principles of ownership, principal-agent relationships, pricing, sharia investment, and digital financing governance. The main issue examined is the emergence of challenges in the distribution and monitoring of profits in digital mudharabah financing, such as asymmetric information, moral hazard, and adverse selection, which have the potential to disrupt the principles of justice and trust. This study aims to analyze relevant Islamic microeconomic concepts and theories, examine the causes and effects of challenges in digital mudharabah financing, and formulate the best Islamic governance to be in line with the principles of justice, trustworthiness, and maslahah. The method used is a literature study with a qualitative-descriptive approach to scientific journals, books, and Sharia sources such as the Qur'an, hadith, fiqh rules, and maqasid Sharia. The results of the study show that sharia fintech has great potential in increasing financial inclusion and transparency in mudharabah financing, but its effectiveness is still limited by weak monitoring systems, limited digital infrastructure, and low information disclosure. The synthesis of findings shows that strengthening governance through real-time reporting transparency, smart contract implementation, strict screening, and integrated digital monitoring are the main solutions. This study concludes that strong, technology-based sharia governance is the key to the success of digital mudharabah that is fair, trustworthy, and oriented towards public benefit.
Analis Sektor Unggulan Terhadap Pertumbuhan Ekonomi Wilayah Di Kabupaten Dharmasraya Tahun 2020-2024 Dengan Pendekatan Location Quotient Dan Shift Share Cahyani, Indri Puji; Amsah Hendri Doni; Rini Elvira; Era Sonita
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 2: Januari 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i2.11720

Abstract

Penelitian ini dilatarbelakangi pentingnya memahami dan mengidentifikasi sektor unggulan untuk mendorong pertumbuhan ekonomi. Pada Kabupaten Dharmasraya belum dapat ditentukan sektor mana yang merupakan sektor unggulan Untuk itu perlu dilakukan pengolahan data untuk menentukan sektor unggulan Kabupaten Dharmasraya. Sektor yang memiliki keunggulan memiliki prospek yang lebih baik untuk dikembangkan dan diharapkan dapat mendorong sektor-sektor lain untuk dikembangkan. Penelitian ini menggunakan metode kuantitatid deskriptif. Data yang digunakan data sekunder berupa Produk Domestik Regional Bruto (PDRB) Kabupaten Dharmasraya dan Provinsi Sumatera Barat diperoleh dari Badan Pusat Statistik (BPS). Teknik analisis yang digunakan adalah Location Quotient (LQ) dan Shift Share (SS). Hasil penelitian sektor Unggulan (Basis) di Wilayah Kabupaten Dharmasraya berdasarkan analisis Location Quotient terdapat Tujuh sektor yang teridentifikasi sebagai sektor unggulan yang terdiri dari pertanian, kehutanan dan perikanan, pertambangan dan penggalian, kontruksi, informasi dan komunikasi, real estate, administrasi pemerintahan, pertahanan dan jaminan sosial wajib, dan jasa kesehatan dan kegiatan sosial. Sektor Potensial di Wilayah Kabupaten Dharmasraya berdasarkan analisis Shift Share terdapat empat sektor yang terdiri dari diantaranya informasi dan komunikasi, pertanian, kehutanan dan perikanan, kontruksi, dan administrasi pemerintahan, pertahanan dan jaminan sosial wajib.
Pengaruh Pertumbuhan Ekonomi Terhadap Penyerapan Tenaga Kerja di Provinsi Sumatera Barat Periode 1987-2024 Gustina, Sari; Rini Elvira; Yuwarman Mansur; Sofia Ridha
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 2: Februari 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i2.14667

Abstract

Pertumbuhan ekonomi dapat digunakan sebagai pengukuran kemajuan yang dicapai oleh sebuah daerah, termasuk Provinsi Sumatera Barat. Penyerapan tenaga kerja menjadi aspek penting yang dipengaruhi oleh pertumbuhan ekonomi. Tujuan dari penelitian ini adalah untuk mengetahui apakah variabel pertumbuhan ekonomi memengaruhi variabel penyerapan tenaga kerja di Provinsi Sumatera Barat dari tahun 1987 hingga 2024. Peneliti menggunakan jenis data sekunder yang tersedia dari BPS untuk melakukan analisis dilakukan menggunakan regresi linear sederhana. Berdasarkan penelitian yang telah dilakukan, pertumbuhan ekonomi memiliki efek yang signifikan pada penyerapan tenaga kerja, dengan kontribusi pengaruh yang diberikan pertumbuhan ekonomi sebesar 15,8%. Temuan ini mendukung hipotesis yang diajukan dan teori pertumbuhan ekonomi Solow, dimana pertumbuhan ekonomi memiliki efek terhadap penyerapan tenaga kerja. Pemerintah daerah, terutama Pemerintah Provinsi Sumatera Barat, harus mempertimbangkan hasil penelitian ini untuk meningkatkan upaya serta memberikan kebijakan yang bisa meningkatkan pertumbuhan ekonomi menjai lebih baik agar bisa memberikan pengaruh dan dampak untuk peningkatatan penyerapan tenaga kerja di lapangan dan lebijh mengidentifikasi faktor-faktor yang berpengaruh.
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 Fiska Ummyza Fitri Yani Gusrianti Gusrianti Gusrianti Gusrianti, Gusrianti Gustina, Sari Hesi Eka Puteri Hidayat, Faisal Iiz Izmuddin Ikbal, Rahmat Islami, Elga Mayora Kesy Yumaida Kasih Laura Maulina M. Imamuddin Mansur, Yuwarman Maulida, Dian Miraldi, Tasya Mulyani, Hilda Nanda Reza Safitri Nor Azilah Husin Nur Azizah Nursya’diah Nursya’diah Nursyirwan Effendi, Nursyirwan Putri Rizkika Handayani Putri, Wina Amanda Rahma Meli Putri Rani Safitri Ridha, Sofia Rika Desiyanti Rini Putri Safnedi, Sefnedi Sawitri Sawitri Sevira Eka Putri Sofia Ridha Sukra, Widia Tiawarman, Olivia Angelica Tyara Dwi Putri Wiqiyan, Khalid Yaswirman, Yaswirman Yuningsih, Ayu Yuwarman Mansur Zuwardi Zuwardi ZUWARDI, ZUWARDI