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All Journal Jurnal Manajemen Terapan dan Keuangan Laa Maisyir Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam 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 Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Journal of Islamic Business and Economic Review (JIBER) MEUSEURAYA : JURNAL PENGABDIAN MASYARAKAT 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) Journal of Shariah Economics
Aprizal, Yusuf Zaini
Universitas Jambi
Religion Arts 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.
Analisis Strategi Komunikasi Pemasaran Pedagang Pasar Untuk MeningkatkanPendapatan (Omzet) Dalam Perspektif Etika Bisnis Islam (Studi Pedagang Pasar Rakyat Aurduri Kota Jambi) Indah Dewi Sundayani; Ridhwan .; Yusuf Zaini Aprizal
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1054

Abstract

This study aims to analyze the marketing communication strategies implemented by traders at Aurduri Traditional Market in Jambi City in an effort to increase their income (turnover), as well as to evaluate the implementation of Islamic business ethics in trading activities. This study uses a qualitative approach with in-depth interview methods and participatory observation of traders and buyers in the market. The data analysis technique used is SWOT analysis to evaluate the strengths, weaknesses, opportunities, and threats in the marketing communication strategies implemented. The results of the study show that traders at Aurduri Traditional Market implement various marketing communication strategies, such as direct interaction with customers, providing discounts, and promotions through simple social media. However, the implementation of this strategy still faces challenges in the form of competition with modern markets and limited technological knowledge. From the perspective of Islamic business ethics, most traders have implemented the principles of fairness, transparency, and honesty in transactions.
Pengaruh Promo Flash Sale, Voucher Diskon Belanja, Dan Brand Image Pada E-Commerce Shopee Terhadap Perilaku Konsumtif Pada Masyarakat Di Kota Jambi Dalam Perspektif Ekonomi Islam Fatima Azzahra; Rafiqi Rafiqi; Yusuf Zaini Aprizal
JOURNAL OF SHARIA ECONOMICS Vol 7 No 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i2.1313

Abstract

This study aims to analyze the influence of Flash Sale promotions, Shopping Discount Vouchers, and Brand Image on the consumptive behavior of Generation X in Shopee e-commerce in Jambi City from the perspective of Islamic Economics. The research employs a quantitative method with the Structural Equation Modeling–Partial Least Square (SEM-PLS) approach. Data were collected through questionnaires distributed to respondents categorized as Generation X in Jambi City. The results show that all three variables have a positive and significant effect, both partially and simultaneously, on consumptive behavior. Shopee’s digital marketing strategies effectively increase the consumptive tendencies of Generation X, who are generally known to be selective in shopping. From the Islamic Economics perspective, excessive consumptive behavior falls under israf (extravagance) and tabdzir (wastefulness), which contradict the principle of wasathiyah (moderation). Therefore, Muslim consumers should control their spending behavior by instilling the values of al-qana’ah (contentment) and al- iqtisad (simplicity), and direct their expenditures toward productive activities such as investment, saving, and ZISWAF (Zakat, Infaq, Sadaqah, and Waqf).
PENGARUH LITERASI DAN INKLUSI KEUANGAN SYARIAH TERHADAP KEMANDIRIAN EKONOMI PEREMPUAN PELAKU UMKM DI KOTA JAMBI Tiara Assyfa; Paulina Lubis; Yusuf Zaini Aprizal
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 3 (2026): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i3.66361

Abstract

Abstrak Penelitian ini bertujuan menganalisis pengaruh literasi keuangan syariah dan inklusi keuangan syariah terhadap kemandirian ekonomi perempuan pelaku UMKM di Kota Jambi. Pendekatan yang digunakan bersifat kuantitatif dengan jenis penelitian asosiatif kausal. Populasi penelitian adalah perempuan pelaku UMKM yang menggunakan layanan keuangan syariah, dengan sampel 96 responden ditentukan berdasarkan rumus Lemeshow dan rekomendasi PLS-SEM. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan Partial Least Squares-Structural Equation Modeling. Hasil evaluasi Outer Model menunjukkan seluruh indikator valid dan reliabel. Inner Model memperlihatkan literasi keuangan syariah berpengaruh positif dan signifikan (t = 5,201; p = 0,000), demikian pula inklusi keuangan syariah (t = 4,264; p = 0,000). Secara simultan, kedua variabel memiliki pengaruh sangat kuat terhadap kemandirian ekonomi perempuan dengan R² = 0,872 dan Adjusted R² = 0,869, artinya 87,2% variasi kemandirian ekonomi dapat dijelaskan oleh literasi dan inklusi keuangan syariah. Nilai predictive relevance (Q²) > 0 menunjukkan kemampuan prediktif model baik. Kesimpulannya, penguatan literasi dan perluasan inklusi keuangan syariah terbukti efektif mendorong kemandirian ekonomi perempuan pelaku UMKM di Kota Jambi. Kata Kunci: Inklusi Keuangan Syariah, Kemandirian Ekonomi Perempuan, Literasi Keuangan Syariah, PLS-SEM, UMKM Kota Jambi.   Abstract This study aims to analyze the effect of Islamic financial literacy and Islamic financial inclusion on the economic independence of female MSME entrepreneurs in Jambi City. The research employs a quantitative approach with a causal-associative design. The population consists of female MSME entrepreneurs using Islamic financial services, with a sample of 96 respondents determined using the Lemeshow formula and PLS-SEM recommendations. Data were collected through Likert-scale questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling. Outer Model evaluation indicated that all indicators were valid and reliable. The Inner Model results show that Islamic financial literacy has a positive and significant effect (t = 5.201; p = 0.000), as does Islamic financial inclusion (t = 4.264; p = 0.000). Simultaneously, both variables strongly influence female economic independence, with R² = 0.872 and Adjusted R² = 0.869, meaning 87.2% of the variation in economic independence is explained by financial literacy and inclusion. Predictive relevance (Q²) > 0 indicates good predictive capability. In conclusion, strengthening Islamic financial literacy supported by broader financial inclusion is an effective strategy to enhance the economic independence of female MSME entrepreneurs in Jambi City. Keywords: Islamic Financial Inclusion Female Economic Independence, Islamic Financial Literacy, PLS-SEM, MSMEs in Jambi.
Integrasi Total Quality Management (TQM) dan Jaminan Produk Halal dalam Meningkatkan Daya Saing Usaha Lokal di Desa Mendalo Indah Jambi Yusuf Zaini Aprizal; Helen Parkhurst; Juliati Juliati; Lilan Despa Riani; Keysa Amnur
MEUSEURAYA - Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (Juni 2026)
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/meuseuraya.v5i1.6430

Abstract

Kegiatan pengabdian kepada masyarakat ini dilatarbelakangi oleh berkembangnya Usaha Mikro, Kecil, dan Menengah (UMKM) sektor makanan dan minuman di Desa Mendalo Indah yang didorong oleh tingginya aktivitas ekonomi di sekitar Universitas Jambi. Meskipun memiliki potensi ekonomi yang besar, masih banyak pelaku UMKM yang menghadapi kendala dalam menjaga konsistensi kualitas produk, higienitas usaha, serta penerapan jaminan produk halal. Kegiatan ini bertujuan untuk meningkatkan pemahaman dan kapasitas pelaku UMKM melalui integrasi Total Quality Management dan sistem jaminan produk halal guna meningkatkan daya saing usaha. Metode pelaksanaan dilakukan melalui sosialisasi, pelatihan, pendampingan, serta praktik implementasi manajemen mutu dan jaminan halal. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai kualitas produk, higienitas produksi, penggunaan bahan baku halal, serta tumbuhnya kesadaran pelaku UMKM untuk menjalankan usaha secara lebih profesional, terstandarisasi, dan berorientasi pada kepercayaan konsumen.
Pengaruh Nilai Tuka, Inflasi, Likuiditas, Dan Harga Emas Terhadap Jumlah Deposito Mudharabah Pada PT Bank Syariah Indonesia (BSI) Tbk Periode 2021-2024 Ayyuasy Putri; Paulina Lubis; Yusuf Zaini Aprizal; Lucky Enggrani Fitri
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/hepsmz20

Abstract

Mudharabah deposits are customer investment budgets that do not conflict with sharia principles. Withdrawals can only be made at certain times, by the agreement made between the bank and the investor. This study aims to determine the effect of exchange rates, inflation, liquidity, and gold prices on the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk for the period 2021-2024. This study uses a quantitative approach and the type of data used is secondary data, namely from the first quarter of 2021 to the fourth quarter of 2024. The analysis method in this study uses the multiple linear regression method with time series data or time series linear regression model. The results of this study indicate that the variables of exchange rates, inflation, and liquidity do not affect the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk, the gold price variable affects the amount of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk with a p-value of 0.0227 at a real level <0.05, and simultaneously there is an influence between the variables of exchange rates, inflation, liquidity, and gold prices on the number of mudharabah deposits at PT. Bank Syriah Indonesia (BSI) Tbk. With an R-Square value of 67.43%.
Pengaruh Kualitas Layanan dan Penanganan Keluhan terhadap Loyalitas Nasabah Bank Syariah Indonesia (BSI) KCP Kuala Tungkal Mohan Tridipa Syamta; Ridhwan; Yusuf Zaini Aprizal
JOURNAL OF SHARIA ECONOMICS Vol. 8 No. 1 (2026): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/5sx10888

Abstract

This study aims to determine the effect of service quality and complaint handling on customer loyalty at Bank Syariah Indonesia (BSI) KCP Kuala Tungkal. The research is motivated by the increasing level of competition in the banking industry, where these two variables are considered the main factors that distinguish one bank from another in maintaining customer loyalty. This study employs a quantitative approach using multiple linear regression analysis with IBM SPSS version 25. The sample consisted of 100 respondents who are customers of BSI KCP Kuala Tungkal. The results show that service quality (t = 0.986 < 1.984) has no significant effect on customer loyalty, while complaint handling (t = 8.653 > 1.984) has a significant positive effect. Simultaneously, service quality and complaint handling together have a significant effect on customer loyalty (F = 62.017 > 1.984). Thus, fast, fair, and empathetic complaint handling becomes the dominant factor in building customer loyalty at BSI KCP Kuala Tungkal.
Pengaruh Literasi Keuangan Syariah, Pendapatan dan Fluktuasi Harga Emas Terhadap Keputusan Investasi Nasabah Cicil Emas BSI KC Jambi Pattimura Badri, Lailatul; Ridhwan, Ridhwan; Aprizal, Yusuf Zaini
Najaha Iqtishod: Journal of Islamic Economic and Finance Vol. 7 No. 2 (2026): 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jief.v7i2.59058

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah, pendapatan, dan fluktuasi harga emas terhadap keputusan investasi nasabah pada produk Cicil Emas Bank Syariah Indonesia Kantor Cabang Jambi Pattimura. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data primer dikumpulkan melalui penyebaran kuesioner kepada 84 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan perangkat lunak Statistical Package for the Social Sciences. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap keputusan investasi, yang berarti semakin tinggi pemahaman nasabah terhadap keuangan syariah, semakin besar kecenderungan mereka berinvestasi. Pendapatan juga berpengaruh positif dan signifikan terhadap keputusan investasi. Selain itu, fluktuasi harga emas berpengaruh positif dan signifikan terhadap keputusan investasi. Secara simultan, literasi keuangan syariah, pendapatan, dan fluktuasi harga emas berpengaruh signifikan terhadap keputusan investasi nasabah pada produk Cicil Emas Bank Syariah Indonesia Kantor Cabang Jambi Pattimura.
Co-Authors , Ridhwan Aditya Pratama Aditya Pratama Afrila, Diliza Agustina, Adinda Putri Amanda, Chealsy Amri Amir AMRI, ARY DEAN Anas Malik Ayyuasy Putri Badri, Lailatul Enggrani Fitri, Lucky Fatima Azzahra Harpeni, Harpeni Helen Parkhurst Heni Pratiwi Hutabarat, Zuhri Saputra Indah Dewi Sundayani Iva Faizah Iva Faizah Juliati Juliati Keysa Amnur Lilan Despa Riani Lubis, Paulina LUBIS, PAULINA Lucky Enggrani Fitri Melta Vatmala Sari Mohan Tridipa Syamta Nurida Isnaeni Parkhurst, Helen Paulina Lubis Pratiwi, Heni Puspita, Duwi Putri, Ramadani Asriani Rafiqi Rafiqi Rafiqi Rico Wijaya Z Ridhwan Ridhwan Roihan, Muhammad Roni, Bio Buk Salsabillah, Avia Saputra, Rivo Siti Zulaikha Tiara Assyfa Tri Marlia Putri, Hadiah Utari, Ramadhita Dwi Yulia Juwita Ps Yurike Syakila Putri, Rts.