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All Journal Jurnal Manajemen Terapan dan Keuangan Laa Maisyir Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam Journal of Saintech Transfer Adzkiya : Jurnal Hukum dan Ekonomi Syariah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH El-Qist : Journal of Islamic Economics and Business (JIEB) Bertuah : Jurnal Syariah dan Ekonomi Islam El-Iqtishady BEMAS: Jurnal Bermasyarakat Journal of Islamic Business and Economic Review (JIBER) NAJAHA IQTISHOD : Journal of Islamic Economic and Finance JPM MOCCI : Jurnal Pengabdian Masyarakat Ekonomi, Sosial Sains dan Sosial Humaniora, Koperasi, dan Kewirausahaan Journal of Innovative and Creativity Jurnal Pengabdian Masyarakat (Jubdimas)
Aprizal, Yusuf Zaini
Universitas Jambi
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Pengaruh Dana Pihak Ketiga (DPK) Non Peforming Financing (NPF) Dan Return On Aset (ROA) Terhadap Pembiayaan UMKM Di Bank Syariah Yang Terdaftar di Bursa Efek Indonesia Periode 2021 – 2024 Roni, Bio Buk; Z, Rico Wijaya; Aprizal, Yusuf Zaini
Najaha Iqtishod: Journal of Islamic Economic and Finance Vol. 6 No. 3 (2025): 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jief.v6i3.49422

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Dana Pihak Ketiga (DPK), Net Performing Financing (NPF), dan Return On Asset (ROA) terhadap pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM) pada bank syariah yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2021–2024. DPK merupakan sumber utama pendanaan bagi bank syariah, sedangkan NPF mencerminkan kualitas pembiayaan dan ROA menunjukkan tingkat profitabilitas perusahaan. Penelitian ini menggunakan data sekunder yang diperoleh dari laporan keuangan Bank Syariah Indonesia dan Bank BTPN Syariah dengan pengambilan data secara kuartalan. Metode analisis yang digunakan adalah regresi linier berganda untuk mengidentifikasi hubungan dan pengaruh variabel independen terhadap variabel dependen, yaitu pembiayaan UMKM. Hasil penelitian menunjukkan bahwa Dana Pihak Ketiga (DPK) berpengaruh positif dan signifikan terhadap pembiayaan UMKM, yang berarti semakin besar dana yang dihimpun, semakin tinggi kemampuan bank dalam menyalurkan pembiayaan. Variabel Net Performing Financing (NPF) berpengaruh negatif terhadap pembiayaan UMKM, menunjukkan bahwa meningkatnya pembiayaan bermasalah dapat menurunkan kemampuan penyaluran dana. Sementara itu, Return On Asset (ROA) tidak memiliki pengaruh signifikan terhadap pembiayaan UMKM. Secara simultan, DPK, NPF, dan ROA berpengaruh signifikan terhadap pembiayaan UMKM pada bank syariah di BEI.
Peran Pedagang Muslimah dalam Meningkatkan Ekonomi Keluarga di Pasar Aurduri Kota Jambi Agustina, Adinda Putri; Rafiqi, Rafiqi; Aprizal, Yusuf Zaini
Najaha Iqtishod: Journal of Islamic Economic and Finance Vol. 6 No. 2 (2025): 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jief.v6i2.49733

Abstract

Penelitian ini bertujuan untuk mengetahuai bagaimana peran pedagang muslimah dalam meningkatkan ekonomi keluarga di Pasar Aurduri Kota Jambi, metode penelitian ini menggunakan pendekatan kualitatif dengan menggunakan teknik sampel jenuh yang berjumlah 63 pedagang muslimah. Pengumpulan data menggunakan observasi, wawancara, dokumentasi. Berdasarkan hasil penelitian ini menunjukkan bahwa dengan peran pedagang muslimah dalam meningkatkan ekonomi keluarga dapat membantu memenuhi kebutuhan sehari-hari, motivasi pedagang muslimah dalam meningkatkan ekonomi keluarga karena faktor ekonomi dan aktualisasi diri dengan tujuan membantu meringankan beban suami, tinjauan ekonomi Islam terhadap peran pedagang muslimah dalam meningkatkan ekonomi keluarga di Pasar Aurduri Kota Jambi secara umum sesuai dengan syarat-syarat perempuan bekerja dalam Islam
Penerapan Sistem Kerjasama bagi Hasil Kebun Kelapa antara Pemilik Lahan dan Pekerja dalam Perspektif Ekonomi Islam di Desa Tanjung Solok Kabupaten Tanjung Jabung Timur Provinsi Jambi Melta Vatmala Sari; Nurida Isnaeni; Yusuf Zaini Aprizal
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4089

Abstract

This study is about "Implementation of the Coconut Plantation Profit Sharing Cooperation System between landowners and workers in the Islamic Economic Perspective in Tanjung Solok Village, Tanjung Jabung Timur Regency, Jambi Province". This study aims to determine the implementation of the coconut plantation profit sharing cooperation system between landowners and workers in the Islamic Economic perspective in Tanjung Solok Village, Tanjung Jabung Timur Regency, Jambi Province. This thesis uses a qualitative approach with observation, interview and documentation data collection techniques, data analysis techniques are carried out with data reduction. The results of this study indicate that the coconut plantation profit sharing system in Tanjung Solok Village is implemented based on an oral agreement born from family deliberations and local customs. Cultivators bear all labor and maintenance costs, while the proceeds from the sale of coconuts are divided equally between landowners and cultivators. This agreement is not limited by time and can be continued by heirs if one party dies, although in practice there has been fraud from the cultivators. This cooperation has advantages such as opening up employment opportunities, sharing the risk of crop failure, and increasing plantation productivity. The socio-economic relationship between the parties is also closely connected. However, weaknesses remain, such as the potential for unclear agreements, the risk of deviation, lack of supervision, and uncertainty in the distribution of results because it is only based on verbal agreements. Therefore, a written agreement and increased legal awareness are needed so that this cooperation runs better. The profit sharing system for coconut plantations in Tanjung Solok Village is not yet fully in accordance with Islamic law. Several provisions such as the time limit, type, and nature of the musaqah contract are often not clearly stated, which causes disputes in the distribution of results and does not comply with the requirements for the validity of the contract according to Islamic law.
Increasing halal value chain awareness: training for food and beverage entrepreneurs Pratiwi, Heni; Fitri, Lucky Enggrani; Aprizal, Yusuf Zaini; Pratama, Aditya; Roihan, Muhammad
Journal of Saintech Transfer Vol. 8 No. 2 (2025): Publication in Press
Publisher : Talenta Publisher Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jst.v8i2.23772

Abstract

The Mandatory Halal October 2024 (WHO) Campaign is a strategic initiative implemented by the Halal Product Guarantee Agency (BPJPH) of the Ministry of Religious Affairs to accelerate Indonesia’s ambition to become a global halal center. This program supports the enforcement of mandatory halal certification regulations, covering food and beverage products, raw materials and additives, as well as slaughter products and services. Mendalo Indah Village, which hosts Jambi University, has approximately 19.5% of its population engaged in trading and entrepreneurial activities, particularly in the food and beverage sector, where halal certification remains limited. This community-based program aimed to improve awareness, readiness, and institutional support for halal certification among local Micro, Small, and Medium Enterprises (MSMEs). The program identified 25 MSMEs ready for halal certification and strengthened collaboration among government agencies, academic institutions, and business actors to support the implementation of the Mandatory Halal policy. Assistance in the Halal Product Process (PPH) was provided to facilitate applications for free halal certification in line with WHO targets. Key outputs included a Cooperation/License Agreement, enabling partners to sustainably utilize the program to support halal certification for food and beverage MSMEs. The initiative enhanced MSME empowerment and complemented previous support programs such as Business Identification Number (NIB) and Home Industry Food Permit (PIRT) facilitation, while local media publications supported broader dissemination of the WHO campaign.
Co-Authors , Ridhwan Aditya Pratama Aditya Pratama Afrila, Diliza Agustina, Adinda Putri Amanda, Chealsy Amri Amir Anas Malik Dean Amri, Ary Enggrani Fitri, Lucky Harpeni, Harpeni Heni Pratiwi Hutabarat, Zuhri Saputra Iva Faizah Iva Faizah LUBIS, PAULINA Lucky Enggrani Fitri Melta Vatmala Sari Nurida Isnaeni Parkhurst, Helen Pratiwi, Heni Puspita, Duwi Putri, Ramadani Asriani Rafiqi Rafiqi Rafiqi Rico Wijaya Z Ridhwan Ridhwan Ridhwan, Ridhwan Roihan, Muhammad Roni, Bio Buk Salsabillah, Avia Saputra, Rivo Siti Zulaikha Tri Marlia Putri, Hadiah Yulia Juwita Ps Yurike Syakila Putri, Rts.