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All Journal Muqtasid: Jurnal Ekonomi dan Perbankan Syariah AL-FALAH : Journal of Islamic Economics Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah TAMWIL: Jurnal Ekonomi Islam JURIS (Jurnal Ilmiah Syariah) MABIS: Jurnal Manajemen Bisnis Syariah Jurnal Akuntansi Syariah (JAkSya) Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Imara: Jurnal Riset Ekonomi Islam Al-bank: Journal of Islamic Banking and Finance Management of Education: Jurnal Manajemen Pendidikan Islam
Rizal Rizal
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH TABUNGAN, DEPOSITO DAN MODAL TERHADAP PENDAPATAN PADA PT LKMS BMT AL MABRUK IFELDA NENGSIH; RIZAL RIZAL; DAVID DAVID
Maqdis: Jurnal Kajian Ekonomi Islam Vol 5, No 2 (2020): Juli - Desember 2020
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v5i2.503

Abstract

The Role of Muslim Generation Community at Zakat Collection on Realizing Sustainable Development Goals (SDGs) in the Era of Digital Society 5.0 Rizal Rizal; Ruslan Abdul Ghofur; Pertiwi Utami
JURIS (Jurnal Ilmiah Syariah) Vol 22, No 1 (2023)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/juris.v22i1.6562

Abstract

The large potential of zakat funds can support the government’s efforts in alleviating poverty. However, its management has not been seen optimally even though BAZNAS has been designated as the official agency and the only non-structural government agency that manages zakat. This study aims to investigate the important role of the human generation who are members of the Muslim community in collecting zakat at the BAZNAS in the era of digital society 5.0 to realize the SDGs. This study uses a literature study method with library data collection techniques, reading and taking notes, and managing research materials by tracing written sources that have been previously written. This study uses content analysis techniques to obtain written information that focuses on four dimensions, namely human generation, Muslim community, zakat collection, and sustainable development goals. The findings reveal that two generations of humans are members of the Muslim community that have the potential to increase zakat collection. Deeper, Maqāṣid shari’āh as the essence of Islamic law through the values of justice, freedom, and human rights of the Muslim community will support the goal of collecting zakat. The novelty of this research found that building the strength and glory of BAZNAS in the era of digital society 5.0 requires strong social ties from the entire Muslim generation community, especially the younger generation community. The main contribution of this research highlights the ‘zakat movement’ led by BAZNAS to pay more attention to the role of the millennial Muslim generation community and iGeneration in supporting zakat empowerment programs to realize Sustainable Development Goals.
PENGARUH WORK FROM HOME, KOMITMEN, DAN MOTIVASI, TERHADAP KINERJA ANGGOTA DPRD KABUPATEN TANAH DATAR MASA PANDEMI COVID-19 Alfi Rahmi HS; Rizal Rizal; Rizal Fahlevi
Tamwil Vol 9, No 1 (2023)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v9i1.9030

Abstract

This study aims to find out and analyze the effect of work from home, commitment and motivation to the performance of Tanah Datar Regency DPRD members. The type of research used in this study is research with a quantitative approach, with a research instrument in the form of a questionnaire with 35 respondents of Tanah Datar Regency DPRD members. Sampling technique using total sampling. Data analysis techniques using SPSS version 26, classical assumption test, multiple linear regression test, coefficient of determination and hypothesis test. The results showed that work from home partially had a significant effect on the performance of Tanah Datar Regency DPRD members during the Covid-19 Pandemic period, proven t-test obtained by tcount of 2,953> ttable of 2,039. Commit ment has no partial effect on the performance of Tanah Datar Regency DPRD members during Pandemi Covid-19, proven t-test obtained by tcount of 1,924 < ttable of 2,039. Motivation does not partially affect the performance of Tanah Datar Regency DPRD members during the Covid-19 Pandemi proven t-test obtained by tcount of 0.997 < ttable of 2,039. Furthermore, work from home, commitment and motivation significantly influenced the performance of Tanah Datar Regency DPRD members during Pandemi Covid-19 as evidenced by the F test obtained at Fcount of 20.503 > Ftable of 2.90
DAMPAK PANDEMI COVID-19 TERHADAP PEREKONOMIAN MASYARAKAT DI SEKTOR INFORMAL Rizal Fahlefi; Shofian Ahmad; Rizal Rizal
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 2 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i2.2379

Abstract

Pandemic Covid-19 has greater impact on people’s lives in all aspects, including economy. The large-scale social restriction policy (PSBB) implemented by the government has restricted the movement of people from one place to another. Then it is suggested to work from home, study from home, or shop from home. As a result, informal sector businesses particularly transportation sub-sector. This research aims to see the impact of Covid-19 pandemic on the economy of people who work in the informal sector, especially the transportation sub-sector. This research was conducted in Tanah Datar Regency, West Sumatra Province in the second quarter of 2020. The population was public transportation workers and sample was minibus taxi drivers or motor taxi bikers. The data collected through a questionnaire, presented in table form and analyzed descriptively by using statistics. The results show Pandemic Covid-19 affect their income. The income of workers in this subsector decreased by 56% so that some workers chose to leave this job or switch to other jobs. This condition results in unfulfilled household needs, so they have to use existing savings, do savings, and rely on special assistance in handling Covid-19, even some wives have also had to work to help the family economy.
CHALLENGES OF ISLAMIC BANK MERGER IN INDONESIA: BOCR APPROACH Rizal Rizal; Nil Firdaus; Wan Nor Aisyah Wan Yussof
Imara: JURNAL RISET EKONOMI ISLAM Vol 5, No 2 (2021): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v5i2.4687

Abstract

This study aims to determine the opportunities and challenges with the merger of 3 BUMN Sharia Banks into Indonesian Sharia Banks (BSI). This study uses the BOCR (Benefit, Opportunity, Cost, and Risk) approach, part of the Analytical Network Process (ANP) approach. Through this approach, the priority value for each aspect (BOCR) will be obtained. The results of the study show that the Cost aspect has a priority value of 0.261. The benefits aspect (0.257), the risk aspect (0.244), and the lowest priority is the Opportunity aspect with a value of (0.236). Meanwhile, the priority strategy for the merger of these 3 BUMN Islamic Banks is professional Human Resources (HR).
INFLUENCE OF MURABAHAH RECEIVABLES, MUSYARAKAH FINANCING, AND LEASE FINANCING ON PROFITABILITY OF BANK ACEH SYARIAH Novia Nengsih; Rizal Rizal; Yeni Melia
Imara: JURNAL RISET EKONOMI ISLAM Vol 7, No 1 (2023): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v7i1.9046

Abstract

Background. The profitability in Islamic bank is influenced by murabahah receivables, musyarakah financing and lease financing. Therefore, it is essencial to analysis profitability in PT. Bank Aceh. Effectiveness of oral corrective feedback (OCF) in language learning is influenced by learners’ comprehension and response to various OCF techniques. Therefore, it is essential for teachers to consider learners’ preferences for OCF strategies.Purpose. This research aims to analyze the influence of Murabahah, Musyarakah, and Lease Receivables on the profitability of Bank Aceh Syariah.The population of this study is Islamic Banks in Indonesia in 2012-2017 are 13 BUS.Method. The data was analyzed using multiple linear regression analysis, path analysis, and sobel test. This research is a field study with a quantitative approach. The data used in this study is secondary data in the form of Financial Statements quarter 2017 to November 2020 registered with the Financial Services Authority (OJK). This type of research data is panel data that are analyzed using descriptive statistics, classical assumptions, and multiple linear regressions.Results. The results showed that there was no effect of murabahah receivables on the profitability of PT. Bank Aceh with a significance of 0.938, with alpha (α) 0.05 or 5%.  The effect of musyarakah financing on profitability in PT. Bank Aceh with the significance of 0.010 with alpha (α) 0.05 or 5%. The absence of the effect of lease / ijarah on profitability in PT. Bank Aceh with the significance of 0.082, with alpha (α) 0.05 or 5%. There is a significant influence between murabahah receivables, musyarakah financing, and simultaneous lease financing on the profitability of PT. Bank Aceh period 2017-2020 is 26% while the remaining 74% is determined or influenced by other variables that are not included in this study.Conclusion. This study has significant implications for assessing profitability in Islamic bank bg using murabahah receivables, musyarakah financing and lease financing.
Pengaruh Kepemimpinan, Disiplin Dan Budaya Organisasi Terhadap Kinerja Pegawai Dengan Motivasi Sebagai Variabel Intervening Di Dinas Dukcapil Kabupaten Tanah Datar Wiranda Wulandari; Megi Saputra; Nadia Renata; Rizal Rizal; Himyar Pasrizal
Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 4 No 1 (2024): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - Maret 2024
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimpa.v4i1.338

Abstract

Artikel ini hendak mengkaji pengujian teori di Dinas Dukcapil Kabupaten Tanah Datar. Dimana teori yang akan diuji ialah faktor-faktor yang mempengaruhi kinerja pegawai yang meliputi, kepemimpinan, disiplin, dan budaya organisasi, kemudian dicoba dihubungkan dengan teori motivasi. Permasalahan dalam penelitian ini ialah belum ada penelitian yang membahas, gabungan variabel (X) yang terdiri dari kepemimpinan, disiplin dan budaya organisasi, serta ditambah dengan variabel (Z) motivasi, dan variabel (Y) kinerja pegawai, yang dilihat dari pengujian teori. Jenis penelitian ini merupahkan penelitian lapangan dengan pendekatan kuantitatif. Teknik pengumpulan data yang digunakan dalam penelitian ini ialah kuisioner. Sampel yang digunakan dalam penelitian ini sebanyak 33 responden dengan teknik total sampling. Teknik analisis data yang digunakan dalam penelitian ini, antara lain, uji T, uji analisis jalur. SPSS 26 digunakan sebagai alat pengolahan data dalam penelitian ini. Hasil penelitian yang ditemukan dalam penelitian ada sepuluh. Pertama, kepemimpinan tidak berpengaruh signifikan terhadap motivasi, dibuktikan oleh hasil uji T. Kedua, disiplin tidak berpengaruh signifikan terhadap motivasi, dibuktikan oleh hasil uji T. Ketiga, budaya organisasi tidak berpengaruh signifikan terhadap motivasi, dibuktikan oleh hasil uji T. Keempat, kepemimpinan berpengaruh signifikan terhadap kinerja pegawai, dibuktikan oleh hasil uji T. Kelima, disiplin berpengaruh signifikan terhadap kinerja pegawai, dibuktikan oleh hasil uji T. Keenam, budaya organisasi tidak berpengaruh signifikan terhadap kinerja pegawai, dibuktikan oleh hasil uji T. Ketujuh, kepemimpinan tidak berpengaruh signifikan terhadap kinerja pegawai melalui motivasi, dibuktikan oleh hasil uji sobel. Kedelapan, disiplin tidak berpengaruh signifikan terhadap kinerja pegawai melalui motivasi, dibuktikan oleh hasil uji sobel. Kesembilan, budaya organisasi tidak berpengaruh signifikan terhadap kinerja pegawai melalui motivasi, dibuktikan oleh hasil uji sobel. Kesepuluh, motivasi tidak berpengaruh signifikan terhadap kinerja pegawai, dibuktikan oleh hasil uji T.
Faktor-Faktor Penyebab Konsumen Berlangganan Di Swalayan 90 Nagari Limo Kaum Kecamatan Lima Kaum Kabupaten Tanah Datar Megi Saputra; Rizal Rizal; Himyar Pasrizal; Nil Firdaus; Alimin Alimin
Jurnal Manajemen Bisnis Syariah Vol 4, No 1 (2024): Jurnal Manajemen Bisnis Syariah
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/mabis.v4i1.12030

Abstract

Artikel ini mengkaji faktor-faktor penyebab konsumen berlangganan di Swalayan 90 Nagari Limo Kaum Kecamatan Lima Kaum Kabupaten Tanah Datar. Pokok permasalahan dalam penelitian ini ialah penyebab konsumen berlangganan di Swalayan 90 Nagari Limo Kaum Kecamatan Lima Kaum Kabupaten Tanah Datar. Jenis penelitian yang digunakan adalah penelitian lapangan dengan pendekatan kualitatif. Data dikumpulkan melalui wawancara. Analisis data menggunakan analisis Miles And Huberman yang meliputi, pengumpulan data, reduksi data, penyajian data dan penarikan kesimpulan data. Hasil penelitian menemukan bahwa faktor-faktor penyebab konsumen berlangganan di Swalayan 90 ada tiga. Pertama, faktor produk yang lengkap tersedia. Kedua, faktor tempat di tepi jalan lintas, tempat yang luas, bersih, rapi, dan dilengkapi dengan tempat parkir yang luas, nyaman untuk mobil dan motor, serta disediakan tempat duduk bagi konsumen yang berbelanja. Ketiga, faktor promosi dengan memberikan kupon berhadiah. Setelah dibahas, perilaku konsumen yang membuat konsumen berlangganan di Swalayan 90. Dimana perilaku konsumen itu meliputi, berbelanja berdasarkan kebutuhan terhadap produk, dan konsumen butuh produk yang lengkap tersedia, tempat belanja akan menjadi pertimbangan konsumen untuk melakukan transaksi pembelian, promosi berdampak terhadap perilaku konsumen yang  menjadikan konsumen terdoktrin untuk terus mengonsumsinya. 
Pengaruh Literasi Keuangan, Risk Tolerance, Dan Experienced Regret Terhadap Pemilihan Jenis Investasi Keuangan Syariah Pada Generasi Millenial Elmiliyani Wahyuni; Fitri Yenti; Rizal rizal; Asrul Gustomi
Al-bank: Journal of Islamic Banking and Finance Vol 4, No 1 (2024): January - June 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i1.10911

Abstract

The purpose of this study was to examine the effect of financial literacy, risk tolerance and experienced regret on the selection of types of Islamic financial investments in the millennial generation in Indonesia. This study used purposive sampling and convenience sampling there were 8,483,213 respondents and sampling using the Slovin formula with an error rate of 10% which obtained a sample of 100 respondents. The analysis technique uses multiple lieniar regression. The results showed that financial literacy affects the selection of Islamic financial investment types, while Risk Tolerance has no effect on the selection of Islamic financial investment types, and experienced regret has a positive and significant effect on the selection of Islamic investment types, and simultaneously the influence of financial literacy, Risk Tolerance and experienced regret affects the selection of Islamic investment types..  
TRAINING AND DEVELOPMENT SUMBER DAYA INSANI PADA KSPPS-BMT AL-MAKMUR: STUDI ANALISIS MELALUI PENDEKATAN BENEFIT, OPPORTUNITIES, COST, RISK (BOCR) Ghita Ramadhayanti; Rizal Rizal; Himyar Pasrizal; Nil Firdaus
Management of Education: Jurnal Manajemen Pendidikan Islam Vol. 9 No. 1 (2023): Management of Education: Jurnal Manajemen Pendidikan Islam
Publisher : Fakultas Tarbiyah dan Keguruan UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/moe.v9i1.8952

Abstract

This research was triggered by LKMS's concerns with inadequate training and development execution, a lack of SOPs, awareness of the significance of training and development, which is still not a unit in BMT. The regulatory environment maintains BMT in an unstable condition, affecting the caliber of the unqualified human resources. The purpose of this research was to use the Benefit, Opportunity, Cost, and Risk (BOCR) approach to identify the many types of insani human resource training and development challenges, as well as the core causes of those concerns. The research method employed in this study is field research using a qualitative approach. Interviews, questionnaires, and documentation were utilized to collect data. The Analytic Network Process (ANP) approach using Super Decision 2.10 Software was utilized to analyze the data in this study, the findings of this study indicate that the problem of human resource training and development at KSPPS-BMT Al-Makmur is that there is no assistance after the training is given, and the quality of human resources is not qualified in terms of Islamic economics, resulting in several problems between the suitability of theory and practice in the field. One of the causes of this occurrence is the usage of speakers who are simply academics and are therefore less professional. The Covid-19 epidemic has forced the Koperindag Office and other agencies to not carry out training and development adequately, and there is no formal SOP that governs the implementation of training and development for LKMS, particularly at KSPPS-BMT Al-Makmur. Furthermore, based on the results of a pairwise comparison of five respondents using the Analytic Network Process (ANP) method and the Super Decisions software version 2.10, the results of the analysis of priority aspects with the highest priority are opportunities, namely with a value of (0.296), followed by analysis of priority criteria of benefits with a value of (0.309), opportunity (0.321), cost (0.413), and risk (0.413). (0.46705). While the fulfillment of qualified human resources is the most essential priority of the plan, with a score of (0.268), with the degree of agreement of respondents (W: 0.148) or (14.8%). Based on the findings of the study, the Koperindag Office recommends that BMTs get additional internal training, that mentorship and post-training assessments be conducted, and that the Koperindag Office build a digital platform for reporting for all BMTs in Tanah Datar.
Co-Authors Alfi Rahmi HS Alimin Alimin ANITA, RINI Ashri Ramadhani Asrul Gustomi David David Diatul Fajri ELFADHLI ELFADHLI Elmiliyani Wahyuni ELSA FITRI AMRAN Farid Ahmad Marlion FATIMAH SETIA WARDHANI Firdaus, Nil Fitri Yenti Ghita Ramadhayanti Himyar Pasrizal Himyar Pasrizal Himyar Pasrizal HUSNI SHABRI Ifelda Nengsih Ifelda Nengsih Intan Purnama Sari Megi Saputra Nadia Renata Nil Firdaus Nofrivul Nofrivul Novia Nengsih Pertiwi Utami Rizal Fahlefi Rizal Fahlefi Rizal Fahlevi Roby Setiawan Ruslan Abdul Ghofur Shofian Ahmad Wan Nor Aisyah Wan Yussof Wiranda Wulandari Yeni Melia Zainuddin Zainuddin