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All Journal E-Journal Perdagangan Industri dan Moneter JURNAL PENDIDIKAN TAMBUSAI Jurnal Industri Kreatif dan Kewirausahaan Jurnal Ilmiah Wahana Pendidikan International Journal of Economics (IJEC) International Journal of Community Service (IJCS) Margin : Journal of Islamic Banking
Alawiyah, Rabiyatul
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Pemahaman Masyarakat Tentang Bagi Hasil dan Bunga di Bank Syariah Indonesia Tabroni, Muhammad; Rafidah, Rafidah; Alawiyah, Rabiyatul
e-Journal Perdagangan Industri dan Moneter Vol. 11 No. 2 (2023): e-Journal Perdagangan Industri dan Moneter
Publisher : Prodi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

From the perspective of its development, Islamic Banks are currently not lagging behind progress like conventional banks. Conventional Banking which applies an interest system runs side by side with Sharia Banking which applies a profit sharing system. The problem faced by Sharia Banks is the public's low knowledge about what systems exist in Sharia Banking. So people assume or are seen that Islamic Banks are the same as Conventional Banks. This research aims to analyze the public's understanding of profit sharing and interest in Indonesian Sharia Banks (case study of the community or religious leaders of the Sa'adatuddaren Islamic Boarding School in Tahtul Yemen). This research uses qualitative research methods. Data collection techniques using observation, interviews and documentation. The number of respondents in this study was 13 people. The results of this research are (1) Tahtul Yamanl community does not understand the profit sharing system in Sharia Banks, (2) Tahtul Yaman community thinks that the profit sharing and interest systems are both just for profit, (3) a small number, such as religious figures, understand about profit sharing in Sharia Banks Keywords: community, profit sharing, Sharia Banks
ANALISIS PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) PADA UMKM KOTA JAMBI Kurnia, Rajab; Habriyanto, Habriyanto; Alawiyah, Rabiyatul
Jurnal Industri Kreatif dan Kewirausahaan Vol 7, No 1 (2024): JUNE
Publisher : Universitas Sahid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/kewirausahaan.v7i1.2322

Abstract

Penelitian ini bertujuan untuk mengetahui pembiayaan KUR, kendala-kendala dalam pembiayaan dan mengatasi permasalahan dalam kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi. Oleh karena itu, rumusan masalah dalam penelitian ini adalah bagaimana pembiayaan KUR pada Bank BSI KCP Dr. Sutomo Kota Jambi,  Kedua, apa saja kendala pembiayaan KUR di Bank BSI KCP Dr. Sutomo Kota Jambi dan ketiga bagaimana mengatasi permasalahan pada kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi. Penelitian ini menggunakan metodologi kualitatif. Dari hasil penelitian diperoleh informasi bahwa pemasaran KUR dalam pengembangan pembiayaan KUR di Bank Syariah Indonesia (BSI) KCP Dr. Sutomo Kota Jambi, untuk menghadirkan KUR perlu menghadirkan produk pasar kepada masyarakat, maka calon KUR nasabah yang mengajukan pembiayaan harus melengkapi persyaratannya, dan bank akan memutuskan apakah permohonan pembiayaan tersebut layak diberikan atau tidak kepada UMKM (nasabah KUR). Dalam proses pelaksanaan program KUR terdapat 2 penyebab kredit bermasalah yaitu: faktor internal dan eksternal. Mengatasi permasalahan dalam kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi, pihak bank memberikan SP1-SP3 kepada nasabah. Apabila masih belum ada penyelesaian dari nasabah, bank akan melelang jaminan nasabah. Tindakan lain yang dilakukan bank adalah 3R yaitu Rescheduling, Reconditioning dan Restructuring.
Community Financial Management Training to Create an Independent Prosperous Village M. Nazori; Rafidah; Rosmanidar, Elyanti; Kusnadi, Dedek; Mutia, Agustina; Usdeldi; Fusfita, Nurlia; Subhan, Muhammad; Anita, Efni; Rahma, Sri; Nofriza, Eri; Alawiyah, Rabiyatul; Rahman, Sakinah
IJCS: International Journal of Community Service Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v3i1.536

Abstract

Financial management plays an important role in promoting independence and prosperity in communities, especially in rural areas where economic resources are often limited. This paper explores the importance of community financial management training as a catalyst for creating independent and prosperous villages. By equipping community members with important financial literacy skills, such as budgeting, savings, and investment strategies, villages can better manage their resources and increase their economic stability. This training focuses on empowering community leaders and residents to understand basic financial concepts and implement sustainable financial practices adapted to their local context. Through workshops, seminars, and practical exercises, participants learn to develop financial plans, identify potential sources of income, and reduce financial risks. In addition, this training emphasizes the importance of transparent financial governance and accountability to build trust and cooperation within the community. In addition, case studies and success stories from similar initiatives show the positive impact of financial management training on village development. These examples illustrate how better financial decision making can lead to increased household income, better infrastructure development, and higher social welfare. Ultimately, the goal is to create self-sufficient villages that can develop independently by utilizing their resources effectively and responsibly.
Analysis of Effectiveness and Efficiency in MSME Management for Increasing Income in Mendalo Darat Village, Muaro Jambi Rafidah, Rafidah; M. Nazori; Rosmanidar, Elyanti; Mutia, Agustina; Usdeldi, Usdeldi; Anita, Efni; Fusfita, Nurlia; Rahma, Sri; M. Subhan; Nofriza, Eri; Alawiyah, Rabiyatul
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.608

Abstract

The problem in this study is the decline in the income level of MSME actors during the Covid-19 pandemic, one of the reasons for this is the lack of effectiveness and efficiency of financial management in their businesses, business actors feel they do not understand how to make policies in managing their business finances. The purpose of this study is to determine the effectiveness and efficiency of MSME Mendalo Darat in increasing income and to find out what obstacles are experienced by MSME Mendalo Darat actors in efforts to increase income. The type of method in this study is field/qualitative research. The income of MSME Mendalo Darat has decreased in the Covid-19 era so that e-commerce has a positive impact on the income of  MSME Mendalo Darat.
An Overview of the Palm Oil Plantation Industry and its Social Impact on Local Communities in Jambi Province, Sumatra, Indonesia Aziz, Arfan; Armaz, Eja; Rafidah, Rafidah; M. Nazori; Rosmanidar, Elyanti; Mutia, Agustina; Usdeldi, Usdeldi; Anita, Efni; Fusfita, Nurlia; Rahma, Sri; M. Subhan; Nofriza, Eri; Alawiyah, Rabiyatul
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.839

Abstract

This study aims to provide a comprehensive overview of the palm oil plantation industry and its social impacts on local communities in Jambi Province, Sumatra, Indonesia. Palm oil plantations have become an important economic sector in the region, contributing significantly to the local and national economy. However, on the other hand, the expansion of this industry has also given rise to a variety of complex social and environmental problems. This study uses a qualitative approach with in-depth interviews, field observations, and document analysis to examine the socio-economic impacts on local communities. The results show an increase in the economic welfare of local communities through job creation and infrastructure improvements. However, negative impacts such as land conflicts, environmental degradation, and changes in culture and traditional livelihoods were also found. This study underlines the need for more sustainable and equitable policies in the management of palm oil plantations to minimize negative impacts on local communities and the environment in Jambi Province.
Young Generation's Contribution in Building a Halal Industry Ecosystem in Indonesia Julianti, Ayu; Rafidah, Rafidah; Alawiyah, Rabiyatul; Kanahaya, Shofy Nindia; Martina, Rizqina; Husen, Muhamad; Maulana, Akbar
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.914

Abstract

The younger generation in Indonesia plays a pivotal role in building the ecosystem of the halal industry, with a focus on technological innovation, entrepreneurship, Sharia financial education, and business ethics. This research, using a qualitative method, aims to discuss the development of the halal industry in Indonesia and the strategic role of the younger generation. The research findings indicate Indonesia's significant potential in the halal industry based on the majority Muslim population, natural resources, and government support. The younger generation's role in innovation and social responsibility is key to the growth of the halal industry, positioning Indonesia as a global leader in halal product consumption
ANALISIS PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) PADA UMKM KOTA JAMBI Kurnia, Rajab; Habriyanto, Habriyanto; Alawiyah, Rabiyatul
Jurnal Industri Kreatif dan Kewirausahaan Vol 7 No 1 (2024): Jurnal Industri Kreatif dan Kewirausahaan JUNE 2024
Publisher : Universitas Sahid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/kewirausahaan.v7i1.2322

Abstract

Penelitian ini bertujuan untuk mengetahui pembiayaan KUR, kendala-kendala dalam pembiayaan dan mengatasi permasalahan dalam kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi. Oleh karena itu, rumusan masalah dalam penelitian ini adalah bagaimana pembiayaan KUR pada Bank BSI KCP Dr. Sutomo Kota Jambi,  Kedua, apa saja kendala pembiayaan KUR di Bank BSI KCP Dr. Sutomo Kota Jambi dan ketiga bagaimana mengatasi permasalahan pada kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi. Penelitian ini menggunakan metodologi kualitatif. Dari hasil penelitian diperoleh informasi bahwa pemasaran KUR dalam pengembangan pembiayaan KUR di Bank Syariah Indonesia (BSI) KCP Dr. Sutomo Kota Jambi, untuk menghadirkan KUR perlu menghadirkan produk pasar kepada masyarakat, maka calon KUR nasabah yang mengajukan pembiayaan harus melengkapi persyaratannya, dan bank akan memutuskan apakah permohonan pembiayaan tersebut layak diberikan atau tidak kepada UMKM (nasabah KUR). Dalam proses pelaksanaan program KUR terdapat 2 penyebab kredit bermasalah yaitu: faktor internal dan eksternal. Mengatasi permasalahan dalam kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi, pihak bank memberikan SP1-SP3 kepada nasabah. Apabila masih belum ada penyelesaian dari nasabah, bank akan melelang jaminan nasabah. Tindakan lain yang dilakukan bank adalah 3R yaitu Rescheduling, Reconditioning dan Restructuring.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MAHASISWA MENJADI NASABAH  BANK SYARIAH INDONESIA (Studi Pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam) Alawiyah, Rabiyatul; Anita, Efni; akbariansah, agus
MARGIN: Journal of Islamic Banking Vol 5 No 2 (2025): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/14ebpb62

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi kurangnya minat mahasiswa semester V dan VII Fakultas Ekonomi dan Bisnis Islam (FEBI) UIN Sulthan Thaha Saifuddin Jambi menjadi nasabah bank syariah, dengan fokus pada variabel lokasi, fasilitas pelayanan, promosi, dan religiusitas. Latar belakang penelitian ini didasarkan pada rendahnya tingkat penetrasi bank syariah di kalangan mahasiswa meskipun bank syariah memiliki keunggulan dalam prinsip kesesuaian syariah dan keadilan sosial. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 100 responden yang dipilih menggunakan teknik proportional random sampling. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan regresi linier berganda dengan uji asumsi klasik, uji t, uji F, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa secara parsial seluruh variabel bebas—lokasi (t = 7,003; p < 0,05), fasilitas pelayanan (t = 8,762; p < 0,05), promosi (t = 8,967; p < 0,05), dan religiusitas (t = 10,105; p < 0,05)—berpengaruh positif dan signifikan terhadap minat mahasiswa. Secara simultan, keempat variabel tersebut berpengaruh signifikan (F = 75,963; p < 0,05) dengan kontribusi sebesar 76,2% terhadap variasi minat mahasiswa, sedangkan sisanya 23,8% dipengaruhi oleh faktor lain di luar penelitian. Temuan ini menegaskan pentingnya strategi terpadu yang menggabungkan kemudahan akses lokasi, peningkatan kualitas fasilitas, promosi yang efektif, serta penguatan nilai religius dalam menarik minat generasi muda menjadi nasabah bank syariah.
Analisis Peran Ekonomi Kreatif Dalam Meningkatkan Pendapatan Fotografer (Studi Pada Ons Project) Fauzi Pohan, Taufik; Yusuf, Maulana; Alawiyah, Rabiyatul
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini bertujuan untuk mengetahui penerapan ekonomi kreatif yang dilakukan oleh mahasiswa pada subsketor jasa, apa alasan mereka sehingga memilih membuka jasa ekonomi kreatif, untuk mengetahui perbedaan atau perubahan pendapatan mahasiswa sebelum dan sesudah menjalankan ekonomi kreatif subsektor jasa dan apa saja kendala mahasiswa dalam menjalankan ekonomi kreatif mereka. Penelitian ini adalah penelitian kualitatif, mengumpulkan data dengan cara wawancara, observasi dan dokumentasi. Dalam penelitian ini menggunakan teknik analisis data seperti reduksi data, penyajian data, penyimpulan dan verifikasi serta kesimpulan akhir. Berdasarkan hasil penelitian dapat disimpulkan (1) alasan yang melatarbelakangi memilih menjalani profesi sebagai fotografer ini di karnakan sulitnya mencari lapangan pekerjaan dan adanya desakan kebutuhan ekonomi, untuk memenuhi kebutuhan hidup sehari-hari. (2) terdapat peningkatan pendapatan fotografer yang bekerja sehingga mereka bisa membantu memenuhi kebutuhan keluarga maupun kebutuhan lainnya.
Analysis of Effectiveness and Efficiency in MSME Management for Increasing Income in Mendalo Darat Village, Muaro Jambi Rafidah, Rafidah; M. Nazori; Rosmanidar, Elyanti; Mutia, Agustina; Usdeldi, Usdeldi; Anita, Efni; Fusfita, Nurlia; Rahma, Sri; M. Subhan; Nofriza, Eri; Alawiyah, Rabiyatul
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.608

Abstract

The problem in this study is the decline in the income level of MSME actors during the Covid-19 pandemic, one of the reasons for this is the lack of effectiveness and efficiency of financial management in their businesses, business actors feel they do not understand how to make policies in managing their business finances. The purpose of this study is to determine the effectiveness and efficiency of MSME Mendalo Darat in increasing income and to find out what obstacles are experienced by MSME Mendalo Darat actors in efforts to increase income. The type of method in this study is field/qualitative research. The income of MSME Mendalo Darat has decreased in the Covid-19 era so that e-commerce has a positive impact on the income of  MSME Mendalo Darat.
Co-Authors Agustina Mutia Akbariansah, Agus Anita, Efni Armaz, Eja Dedek Kusnadi Elyanti Rosmanidar, Elyanti Fauzi Pohan, Taufik Fusfita, Nurlia Habriyanto Habriyanto Harahap, Annisa Fitriana Husen, Muhamad Julianti, Ayu Kanahaya, Shofy Nindia Kurnia, Rajab M. Nazori M. Subhan Martina, Rizqina Maulana Yusuf Maulana, Akbar Muhammad Subhan Muliyana Muliyana, Muliyana Nofriza, Eri Rafidah Rafidah Rafidah Rahma, Sri Rahman, Sakinah Tabroni, Muhammad Usdeldi, Usdeldi