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All Journal ACADEMIA: Jurnal Inovasi Riset Akademik Journal Of Business, Finance, and Economics (JBFE) SYNERGY: Jurnal Bisnis dan Manajemen SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal El Rayyan: Jurnal Perbankan Syariah BORJUIS (JURNAL OF ECONOMY) Tanmiyah Impact: Islamic Economics & Business Service Journal
Rini Elvira
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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PENGARUH RELATIONSHIP QUALITY TERHADAP LOYALITAS NASABAH PT BPRS BENGAWAN PUASYARIAH Rahmat Ikbal; Rini Elvira
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 2 No. 2 (2023): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/jer.v2i2.416

Abstract

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.
STRATEGI PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH PADA BMT AGAM MADANI NAGARI KAPAU Rahma Meli Putri; Rini Elvira
BORJUIS: JURNAL OF ECONOMY Vol. 2 No. 2 (2025): BORJUIS: JOURNAL OF ECONOMY
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
Strategi Penetrasi Harga Untuk Mengoptimalkan Penjualan Produk Hijab Syar’i Pada Toko Addini Hijab di Kota Bukittinggi Vadila Laok Oktavia; Rini Elvira
SYNERGY: Jurnal Bisnis dan Manajemen Vol 6, No 1 (2026)
Publisher : Pelantar Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52364/synergy.v6i1.92

Abstract

This research has the problem of decreasing sales of new products, which aims to find out the price penetration strategy for Bella Syar'i Hijab products at the Addini Hijab Toko Pasar Aur Bukitinggi, with this research emphasizing the penetration strategy as an effort to optimize sales while remaining based on sharia business principles, namely honesty, justice, responsibility, and the implementation of buying and selling based on divine values. The Addini Hijab shop is located in Pasar Aur, Bukittinggi City, West Sumatra Province. The type of research used is Quantitative Descriptive and Survey research, namely data collected directly by the author through distributing closed questionnaires, interviews with the owners and employees of the Addini Shop. The data analysis used is SWOT analysis, namely analysis of the data obtained to identify strengths, weaknesses, opportunities and threats. The research results show that the Addini Hijab Store is in the SO Strategy with the highest score of 6.86, which indicates strong internal conditions and large market opportunities. The main strength lies in the affordable price of the hijab, in accordance with consumers' purchasing ability, proportional to the benefits of the product, and high customer loyalty. Dominant opportunities include market growth, good business prospects, and competitive product advantages. However, price competition and the emergence of similar products at lower prices need to be anticipated through strengthening product value and consistently applying sharia marketing principles
Pengaruh Pengetahuan Mengenai Produk Tabungan Sikoci Terhadap Keputusan Menabung Nasabah Pada PT. Bank Nagari Cabang Syariah Payakumbuh Silvi Anggraini; Rini Elvira; M. Imamuddin; Gusrianti
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 2 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i2.476

Abstract

Penelitian ini dimotivasi oleh pengetahuan tentang produk tabungan sikoci, karena masih banyak calon nasabah yang belum mengetahui dan memahami produk tabungan. Hal ini berdampak pada keputusan menabung yang menjadi dasar rumusan masalah, yaitu: apakah pengetahuan tentang produk tabungan sikoci berpengaruh terhadap keputusan menabung nasabah dan seberapa besar pengaruh pengetahuan tentang produk tabungan sikoci terhadap keputusan menabung nasabah di PT Bank Nagari Syariah Payakumbuh Cabang. Penelitian ini menggunakan metode kuantitatif. Dengan menggunakan teknik Purposive Sampling. Penelitian ini menggunakan data primer dan sekunder. Data dapat dikumpulkan dengan metode seperti dokumentasi, survei, dan observasi langsung. Metode kualitatif dan kuantitatif digunakan dalam analisis data ini. Studi ini menemukan bahwa pengetahuan tentang produk tersebut berpengaruh secara signifikan terhadap keputusan pembelian. Berdasarkan nilai sig ∝ yang dihitung sebesar 1 > nilai sig ∝ tabel sebesar 1,986 dan nilai signifikansi 0,001 < 0,05 dari tabel koefisien, uji t menunjukkan bahwa Ha adalah yang terbaik, sedangkan Ho adalah yang terburuk. Hasil uji koefisien determinasi menunjukkan bahwa pengetahuan tentang produk memiliki pengaruh signifikan terhadap keputusan pembelian. Nilai R2 adalah 0,653, atau 65,3%, yang tergolong tinggi. Pengetahuan produk mempengaruhi keputusan pembelian sebesar 65,3%. Variabel independen dalam penelitian ini mencakup 34,7% dari total variabel.
Integration of Islamic Economic Values in Mosque-Based Waste Bank Management for Community Empowerment in Jorong Haraban Rizqy Ananda Ys; Rini Elvira
Tanmiyah Impact: Islamic Economics & Business Service Journal Vol. 1 No. 4 (2025): Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Penelitian ini mengkaji integrasi nilai-nilai ekonomi Islam dalam inisiatif bank sampah berbasis masjid sebagai strategi pemberdayaan sosial-ekonomi dan keberlanjutan lingkungan. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus yang dilaksanakan di Masjid Al-Abrar, Jorong Haraban, Kecamatan Palupuah, Kabupaten Agam. Pengumpulan data dilakukan melalui observasi, wawancara mendalam, dan dokumentasi terhadap pengelola masjid, kelompok perempuan, serta organisasi kepemudaan yang terlibat dalam program bank sampah. Hasil penelitian menunjukkan bahwa sebelum program dijalankan, pengelolaan sampah dilakukan melalui pembakaran terbuka tanpa pemanfaatan nilai ekonominya. Setelah penerapan bank sampah, masyarakat—khususnya kelompok perempuan dan pemuda—berhasil diberdayakan untuk mengelola sampah anorganik secara produktif, sehingga menghasilkan pendapatan yang dimanfaatkan bagi kas masjid dan kegiatan sosial. Program ini mengintegrasikan nilai-nilai ekonomi Islam seperti ta’awun (tolong-menolong), maslahah (kemaslahatan umum), dan keadilan distributif dalam praktik ekonomi sirkular. Meskipun masih menghadapi kendala berupa keterbatasan infrastruktur dan tingkat kesadaran masyarakat, bank sampah berbasis masjid terbukti menjadi model transformatif yang mampu menghubungkan etika Islam, pemberdayaan ekonomi, dan pelestarian lingkungan. This study examines the integration of Islamic economic values in a mosque-based waste bank initiative as a strategy for socio-economic empowerment and environmental sustainability. The research employs a qualitative approach with a case study design conducted at Al-Abrar Mosque, Jorong Haraban, Palupuah District, Agam Regency. Data were collected through observations, in-depth interviews, and documentation involving mosque administrators, women’s groups, and youth organizations participating in the waste bank program. The findings indicate that prior to the implementation of the program, waste management was carried out through open burning without utilizing its economic value. Following the establishment of the waste bank, the community—particularly women and youth groups—was successfully empowered to manage inorganic waste productively, generating income that was allocated to mosque funds and social activities. The program integrates key Islamic economic values such as ta’awun (mutual assistance), maslahah (public benefit), and distributive justice within the practice of a circular economy. Despite facing challenges related to limited infrastructure and varying levels of public awareness, the mosque-based waste bank has proven to be a transformative model capable of linking Islamic ethics, economic empowerment, and environmental conservation
PEMAHAMAN EKONOMI SIRKULAR, MAQASHID SYARIAH, INSENTIF EKONOMI, DAN PERCEIVED VALUE TERHADAP INTENSI PARTISIPASI BANK SAMPAH Yori Kurniawati; Rini Elvira
ACADEMIA: Jurnal Inovasi Riset Akademik Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/academia.v6i3.13827

Abstract

The Waste Bank Program in Lima Puluh Kota Regency still faces challenges in encouraging sustainable community participation, highlighting the need to understand the factors that shape participation intention. This study aims to analyze the effects of Circular Economy Understanding, Maqashid Sharia Understanding, and Economic Incentives on Community Participation Intention in the Waste Bank Program in Lima Puluh Kota Regency, as well as to examine the role of Perceived Value as a moderating variable. This research employed a quantitative approach with an explanatory research design. Data were collected through questionnaires from 150 respondents selected using purposive sampling and analyzed using Moderated Regression Analysis (MRA) with IBM SPSS. The findings reveal that Maqashid Sharia Understanding and Perceived Value have positive and significant effects on Community Participation Intention, whereas Circular Economy Understanding has no significant effect. Economic Incentives have a negative and significant effect on Community Participation Intention, while Perceived Value moderates the relationship between Economic Incentives and Community Participation Intention. The research model has an Adjusted R Square of 0.987, indicating that 98.7% of the variation in Community Participation Intention can be explained by the variables included in the model. These findings indicate that community participation in the Waste Bank Program is more closely associated with the internalization of religious values and perceived benefits than with financial considerations alone. This study contributes to the development of a community participation model by integrating economic, religious, and perceived value dimensions within the context of circular economy-based waste management. ABSTRAK Program Bank Sampah di Kabupaten Lima Puluh Kota masih menghadapi tantangan dalam mendorong keberlanjutan partisipasi masyarakat, sehingga diperlukan pemahaman mengenai faktor-faktor yang membentuk intensi partisipasi. Penelitian ini bertujuan menganalisis pengaruh Pemahaman Ekonomi Sirkular, Pemahaman Maqashid Syariah, dan Insentif Ekonomi terhadap Intensi Partisipasi Masyarakat dalam Program Bank Sampah di Kabupaten Lima Puluh Kota, serta menguji peran Perceived Value sebagai variabel moderasi. Penelitian menggunakan pendekatan kuantitatif dengan desain explanatory research. Data dikumpulkan melalui kuesioner terhadap 150 responden yang dipilih menggunakan teknik purposive sampling dan dianalisis menggunakan Moderated Regression Analysis (MRA) dengan bantuan IBM SPSS. Hasil penelitian menunjukkan bahwa Pemahaman Maqashid Syariah dan Perceived Value berpengaruh positif dan signifikan terhadap Intensi Partisipasi Masyarakat, sedangkan Pemahaman Ekonomi Sirkular tidak berpengaruh signifikan. Insentif Ekonomi berpengaruh negatif dan signifikan terhadap Intensi Partisipasi Masyarakat, sementara Perceived Value memoderasi hubungan antara Insentif Ekonomi dan Intensi Partisipasi Masyarakat. Model penelitian memiliki Adjusted R Square sebesar 0,987, yang menunjukkan bahwa 98,7% variasi Intensi Partisipasi Masyarakat dapat dijelaskan oleh variabel dalam model. Temuan ini menunjukkan bahwa partisipasi masyarakat dalam Program Bank Sampah lebih berkaitan dengan internalisasi nilai keagamaan dan manfaat yang dirasakan dibandingkan pertimbangan finansial semata. Penelitian ini berkontribusi pada pengembangan model partisipasi masyarakat dengan mengintegrasikan dimensi ekonomi, religius, dan persepsi nilai dalam konteks pengelolaan sampah berbasis ekonomi sirkular.
Co-Authors Fiska Ummyza Gusrianti Kesy Yumaida Kasih M. Imamuddin Rahma Meli Putri Rahmat Ikbal Rani Safitri Rini Putri Rizqy Ananda Ys Silvi Anggraini Vadila Laok Oktavia Yori Kurniawati