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All Journal eCo-Fin ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Amal: Jurnal Ekonomi Syariah Islamic Banking and Finance Jurnal Ekonomi, Manajemen, Akuntansi
Musrini Muis
Institut Agama Islam Negeri Bone
Religion Arts Economics, Econometrics & Finance Education Social Sciences

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PENGARUH PENDAPATAN TERHADAP MARGINAL PROPENSITY TO SAVE (MPS) RUMAH TANGGA PADA PEGAWAI NEGERI SIPIL (PNS) DI IAIN BONE Musrini Muis
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.3015

Abstract

This study discusses the Effect of Income towards household Marginal Prospenstiy to Save (MPS) on Civil Servants (PNS) at IAIN Bone. The objectives of this study are: (1) To determine the effect of income on household marginal propensity to save (MPS) in civil servants at IAIN Bone (2) to determinehousehold marginal propensity to save (MPS) in civil servants at IAIN Bone.This study uses quantitative research with an Islamic microeconomic approach with a total sample of 61 respondents. The data collection method used is questionnaire method (questionnaire) and documentation method. The data analysis technique used is descriptive analysis and simple linear regression analysis with the tests used in the form of validity and reliability to determine the effect of income variables on the Marginal Propensity to Save (MPS) variable, which previously tested normality and linearity. Subsequently, hypothesis testing is done in the form of simultaneous tests (f test) and Partial Test (T Test). The results of these studies, viewed linearly that the Income variable has a linear relationship to Marginal Propensity to Save (MPS) about 0.383.Based on Marginal Propensity tosave from 61 respondents surveyed, there were 20 people or 33% of respondents who had a higher Marginal Propensity toSave compared to their Consumption Expenditures. While 41 people or 67% of respondents have higher consumption expenditure compared to Marginal Propensity To Save.
Pengaruh Merchant Discount Rate terhadap Retensi QRIS pada UMKM Kec. Tanete Riattang Tinjauan dari Perspektif Ekonomi Islam Rizka Marsamda Utami; Rina Novianty; Musrini Muis
eCo-Fin Vol. 7 No. 1 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i1.2139

Abstract

Kemajuan teknologi sudah membawa perubahan besar di dalam sistem pembayaran khusunya pengguna QRIS yang berkembang pesat. Penelitian ini bertujuan untuk memahami pengaruh merchant discount rate terhadap retensi QRIS pada UMKM. Penelitian ini merupakan studi lapangan yang menerapkan metode kuantitatif serta teknik random sampling. Studi ini menggunkan data primer dalam penelitian ini diperoleh melalui jawaban responden yang dikumpulkan menggunakan kuesioner sebagai instrument utama. Alat yang digunakan untuk menganalisis data yaitu IBM SPSS Statistic 25. Hasil studi ini menunjukkan (1) merchant discount rate berpengaruh secara signifikan terhadap retensi QRIS. Variabel merchant discount rate memperoleh thitung 9,548 > ttabel 1,660, sehingga thitung > ttabel dengan nilai signifikan lebih kecil dari 0,05 (0,00 < 0,05). Dengan ini H0 ditolak dan H1 diterima. Karena itu, variabel merchant discount rate berpengaruh secara signifikan terhadap retensi QRIS. (2) Dari hasil R2 yang diperoleh 0,482 atau 48,2%, dapat disimpulkan model penelitian ini mampu menjelaskan sebesar 48,2% konsep yang terjadi pada variabel dependen. Secara sederhana, kontribusi variabel independen yang dimasukkan memiliki pengaruh yang signifikan terhadap variabel dependen sebesar 48,2%. Dengan demikian hubungan antara variabel independen dan variabel dependen dapat dikategorikan berpengaruh sedang karena nilai R2 belum mendekati angka 1.
THE ROLE OF BRILINK AGENTS IN IMPROVING THE ECONOMY OF RURAL COMMUNITIES WITH AN ECONOMIC APPROACH desti Paradilla; Munawarah Munawarah; Musrini Muis
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 8 No. 2 (2025): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i2.9286

Abstract

This study seeks to examine how BRILink agents contribute to enhancing the economic development of rural communities using an Islamic economic approach economic approach. This field study applies a qualitative approach, utilizing data collection methods such as interviews, observations, and documentation. Interviews were conducted with BRILink agents and users to obtain comprehensive data. The gathered data was analyzed using descriptive methods. The findings show that the presence of BRILink agents provides easy access to banking services, accelerates transactions, and support the growth of SMEs, thereby contributing to the welfare of society, especially farmers and SMEs. Further analysis shows that BRILink agent operations are consistent with Islamic economic values like collaboration, fairness, certainty, and advantage, the current setup requires more agents to better serve the broader population. The findings of study indicate that policies to support the development of BRILink agents in similar villages are very important to expand financial access and financial inclusion.
Analisis Dampak Lingkungan pada Penambangan Pasir di Desa Nagauleng Sugita Yunita; Muhammad Yamin; Musrini Muis
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.12111

Abstract

Penambangan pasir merupakan sektor vital bagi pembangunan dan perekonomian, namun tanpa pengelolaan berkelanjutan dapat menimbulkan kerusakan lingkungan. Di Desa Nagauleng, Kecamatan Cenrana, Kabupaten Bone, aktivitas penambangan oleh masyarakat setempat berdampak pada kekeruhan air sungai dan terganggunya ekosistem. Penelitian ini bertujuan mengidentifikasi upaya optimalisasi dampak positif, langkah penanggulangan dampak negatif, serta bentuk kerja sama antara pemerintah desa dan pihak CV dalam mengurangi dampak lingkungan. Metode yang digunakan adalah penelitian lapangan dengan pendekatan kualitatif dan analisis AMDAL. Hasil penelitian menunjukkan adanya upaya pengurangan dampak negatif melalui pembatasan jarak pengambilan pasir dari sungai, pemanfaatan limbah oli, dan kegiatan penghijauan, di samping memberikan manfaat sosial-ekonomi bagi masyarakat. Namun, upaya tersebut masih parsial dan kerja sama dengan pihak CV bersifat informal. Penelitian ini menegaskan bahwa keberhasilan pengelolaan penambangan pasir bergantung pada sinergi formal dan terintegrasi antara pemerintah desa, pelaku usaha, dan masyarakat untuk mewujudkan praktik penambangan yang berkelanjutan, ramah lingkungan, dan menguntungkan semua pihak
Pengaruh Konten Affiliate Marketing dan Customer Review Terhadap Keputusan Pembelian Tiktok Shop Dalam Perspektif Ekonomi Islam A.Siti Patimah; Muh. Arafah; Musrini Muis
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Juni
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i1.9390

Abstract

Abstract: This study aims to examine the influence of affiliate marketing content and customer reviews on purchasing decisions through TikTok Shop among students of the Faculty of Islamic Economics and Business (FEBI) at IAIN Bone, from an Islamic economic perspective. The primary focus is to assess the alignment of these marketing practices with Sharia principles, particularly honesty, transparency, and fairness in economic transactions. A quantitative research approach was employed, with data collected via questionnaires distributed to 100 respondents and analysed using SPSS version 27. The findings indicate that both affiliate marketing content and customer reviews have a positive and significant impact on purchasing decisions, both individually and collectively. From the standpoint of Islamic economics, the presence of truthful and transparent information in both variables plays a crucial role in building consumer trust, promoting fair transactions, and fostering ethical and blessed economic activity. Keywords: Affiliate Marketing Konten, Customer Review, Purchase Decision, SPSS Version 27.
Co-Authors A.Siti Patimah Arafah, Muh desti Paradilla Muhammad Yamin Munawarah Munawarah Rina Novianty Rizka Marsamda Utami Sugita Yunita