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Analisis Pengaruh Kepercayaan dan Pelayanan Terhadap Minat Usaha Mikro, Kecil, dan Menengah (UMKM) Mengajukan Pembiayaan di Bank Syariah : (Studi Kasus Pengusaha Mikro Pasar Bawah Bukittingi) Nur Hasimah; Andis Febrian
Transformasi: Journal of Economics and Business Management Vol. 3 No. 2 (2024): June : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v3i2.1657

This research is motivated by the importance of trust and service in the interest of micro, small and medium enterprises (MSMEs) to apply for financing at sharia banks. This research aims to find out and analyze how much influence trust and service have on the interest of micro, small and medium enterprises (MSMEs) to apply for financing at sharia banks. This research uses a correlational method with a quantitative approach. Sampling used purposive sampling. The data used is primary data and secondary data. Primary data was obtained from respondents through distributing questionnaires, while secondary data was based on observations, journals, articles and previous research. Meanwhile, multiple linear regression analysis techniques. Test classical assumptions, and test hypotheses. Analysis of this research using SPSS, based on research results at a significance level of 5% shows that. (1). Trust has a significant effect on business interest, the results of the regression coefficient are 0.122 and based on the test results of the coefficient of determination of the trust variable on business interest, it is 0.324 or 32.4% and has a significant level of (0.001 ≥ 0.05). (2) service has a significant effect on business interest, the results of the regression coefficient are 0.324 and based on the test results of the coefficient of determination of the trust variable on business interest, it is 0.324 or 32.4% and has a significant level of (0.001 ≥ 0.05). (3) the influence of trust and service has a positive F_count value of 43.368 which is greater than F_table 3.107 with a significance level of 0.000 ≤ 0.05 and a coefficient of determination test result of 0.324% or 32.4%. So it can be concluded that the trust and service variables influence business interest by 32.4% and the remaining 67.6% is influenced by other variables.

Pengaruh Perkembangan Teknologi dan Kualitas Sumber Daya Manusia (SDM) terhadap Fluktuasi Pengangguran di Kecamatan Pulau Punjung Kabupaten Dharmasraya Almutia Permata Ningsih; Andis Febrian
Transformasi: Journal of Economics and Business Management Vol. 4 No. 1 (2025): Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v4i1.2253

This research is motivated by the fact that many workplaces have followed technological developments so that many people cannot find work. This is also caused by the lack of improving the quality of human resources in Pulau Punjung District, Dharmasraya Regency so that they do not have new skills and education that does not match existing job qualifications, so unemployment fluctuations continue to rise. So researchers want to know how far the influence of technological developments and the quality of human resources is on unemployment fluctuations. The research method is Quantitative Research. Data calculated by distributing questionnaires. There were 100 respondents from this research taken from a population of 33,316 people. Data processing in this research uses SPSS 26. The results of this research show that the influence of technological developments and the quality of human resources significantly influences unemployment fluctuations. The results of this research are through the determinant coefficient test with a correlation coefficient value of 0.520 and an adjusted Rsquare value of 0.256, so the influence of X is 25.6%. The t test stated that Technological Development (X1) and Quality of Human Resources (X2) had a partial effect on Unemployment Fluctuations (y) with a calculated value of 1.968 sig value 0.000 < 0.05.

Strategi Peningkatan Pendapatan Pedagang Kaki Lima (PKL) dengan Analisis Business Model Canvas (Studi Kasus: Pedagang Kaki Lima Lapangan Kantin Wirabraja di Bukittinggi) Tania Octavia; Andis Febrian
Global Leadership Organizational Research in Management Vol. 2 No. 3 (2024): Global Leadership Organizational Research in Management
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/glory.v2i3.1305

The economic sector is currently experiencing rapid development, including the informal business sector that aims to fulfil the needs of life. Street vendors (PKL) are included in this sector with small capital and businesses that are private or group, utilising the crowd. Along with economic development, competition among street vendors is getting tighter, including in the Wirabraja canteen field, Bukittinggi, the majority of which are engaged in the culinary sector and children's entertainment. This study aims to determine the strategies to increase income and the obstacles faced by street vendors using Business Model Canvas (BMC) analysis. This research is descriptive qualitative with data collection methods through observation, interviews, and documentation. The results showed that Wirabraja canteen field vendors already know the strategy of increasing income and overcoming natural obstacles such as weather by bringing their own equipment. Income generation strategies are analysed through two important elements of BMC, namely Customer Segments and Customer Relationships.

Pengaruh Perkembangan Teknologi dan Kualitas Sumber Daya Manusia (SDM) terhadap Fluktuasi Pengangguran di Kecamatan Pulau Punjung Kabupaten Dharmasraya Almutia Permata Ningsih; Andis Febrian
Transformasi: Journal of Economics and Business Management Vol. 4 No. 1 (2025): Maret: Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v4i1.2253

This research is motivated by the fact that many workplaces have followed technological developments so that many people cannot find work. This is also caused by the lack of improving the quality of human resources in Pulau Punjung District, Dharmasraya Regency so that they do not have new skills and education that does not match existing job qualifications, so unemployment fluctuations continue to rise. So researchers want to know how far the influence of technological developments and the quality of human resources is on unemployment fluctuations. The research method is Quantitative Research. Data calculated by distributing questionnaires. There were 100 respondents from this research taken from a population of 33,316 people. Data processing in this research uses SPSS 26. The results of this research show that the influence of technological developments and the quality of human resources significantly influences unemployment fluctuations. The results of this research are through the determinant coefficient test with a correlation coefficient value of 0.520 and an adjusted Rsquare value of 0.256, so the influence of X is 25.6%. The t test stated that Technological Development (X1) and Quality of Human Resources (X2) had a partial effect on Unemployment Fluctuations (y) with a calculated value of 1.968 sig value 0.000 < 0.05.

Siyasah Al-Ighraq: A Case Study on Convection Market, Aur Kuning Bukittinggi Rika Widianita; Andis Febrian; Syaiful Rahman
Journal of Islamic Economics Perspectives Vol. 5 No. 1 (2023): February (2023) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v5i1.113

This research is motivated by the widespreed practice of siyasah al-ighraq (dumping) by traders in the Aur Kuning convection market in Bukittinggi in West Sumatera Provinve. Meanwile, siyasah al-ighraq(dumping) is haram in Islam. Therefore the author wants to examine how the siyasah al-ighraq (dumping) is carried out by traders in the Aur Kuning convection market in Bukittinggi, and how it impacts to market prices balance from an Islamic perspective. The method used in this study is descriptive qualitative with data collection techniques by conducting interviews with traders in the Aur Kuning convection market, Bukittinggi. The result showed that siyasah al-ighraq (dumping) practice by traders at the Aur Kuning convection market was only at certain times, such as during the month of ramadhan, after Eid al-fitr and the celebration of independence day. Siyasah al-ighraq are done just to use up old stocks that piled up. Then also dumping are carried out for new store promotion and as a marketing strategy. It dumping is called sporadic dumping, it is fine in Islam, because it doesn’t damage market price balance and doesn’t harm other traders. Dumping practice that haram in Islam are dumping that kill other people’s businesses and damage market price balance.

Analisis Pengelolaan Berbasis Manajemen Risiko pada Usaha Bibit Ikan Nila di Nagari Paninjauan Kabupaten Agam (Studi Kasus: Usaha Ikan Nila Pak Danil Paninjauan) Nurul Wafiq Azizah; Andis Febrian
ARZUSIN Vol 6 No 2 (2026): APRIL
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i2.9539

Although the management of aquaculture businesses, particularly tilapia fingerling businesses, has received attention in a number of studies, studies that specifically discuss risk management-based management in micro-scale businesses at the local level remain limited. This study aims to analyze risk management-based management and the impact of the risks faced in a tilapia fingerling business in Nagari Paninjauan. This study employed a qualitative approach with a case study design, involving three participants consisting of the business owner and two employees selected through purposive sampling. Data were collected through interviews, observation, and documentation, and were then analyzed using interactive qualitative analysis techniques through the stages of data reduction, data display, and conclusion drawing. The results showed that risk management had been carried out through the stages of risk identification, analysis, evaluation, and management, although it had not yet been implemented systematically and in a structured manner. The main risks faced included weather changes, water quality, pest and disease attacks, and market price instability, which had an impact on declining production, financial losses, and business sustainability. These findings contribute to the development of the concept of risk management in the context of micro-scale aquaculture businesses while broadening understanding of experience-based risk management practices in the field. This study concludes that strengthening risk management is an important aspect of maintaining business sustainability, so business actors and the government need to improve risk management capacity through a more systematic approach. The implications of this study include theoretical and practical contributions, while also opening opportunities for further research related to the integration of technology in risk management.

Analisis Implementasi Pelayanan Jamaah Umrah pada Arabia Nusantama Raya Travel Padang Menurut Perspektif Bisnis Syariah Al Rozali; Andis Febrian
Asian Journal of Islamic Studies and Da'wah Vol 4 No 3 (2026): Asian Journal of Islamic Studies and Da'wah
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ajisd.v4i3.10209

Although the service quality of Umrah travel agencies has received attention in various previous studies, studies that specifically discuss the implementation of services based on the RATER dimensions in certified Umrah travel agencies in West Sumatra remain limited. This study aims to analyze the implementation of Umrah pilgrim services at PT Arabia Nusantama Raya Travel Padang from the perspective of Sharia business. This study used a qualitative approach with field research techniques. The research informants consisted of the management and personnel of PT Arabia Nusantama Raya Travel Padang. Data were collected through observation, in-depth interviews, and documentation and were then analyzed qualitatively. The results show that service implementation overall has been carried out fairly well across the five service quality dimensions, namely reliability, responsiveness, assurance, empathy, and tangibles. The services provided encouraged pilgrims to feel safer and to have greater trust in the company. However, continuous improvement is still needed, particularly in the effectiveness of the Umrah ritual guidance schedule and the formalization of the post-return evaluation system. The conclusion of this study emphasizes that Umrah pilgrim services based on the RATER dimensions from the perspective of Sharia business need to be managed consistently through strengthening service quality, pilgrim trust, and a more systematic service evaluation.

Kontribusi Platform Digital dalam Mengoptimalisasikan Pengumpulan dan Pendistribusian Zakat pada Kantor BAZNAS Kabupaten Pasaman Rahmi Zikra; Andis Febrian
ALSYS Vol 6 No 3 (2026): MEI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/alsys.v6i3.9447

The use of digital platforms in zakat management has received attention in various studies, but empirical studies that comprehensively integrate the aspects of zakat collection and distribution at the local level remain limited. This study aims to analyze the contribution of digital platforms in optimizing zakat collection and distribution at BAZNAS Pasaman Regency, as well as to identify the obstacles and opportunities in their implementation. This study used a qualitative approach with a case study design, involving informants drawn from BAZNAS administrators, muzakki, and mustahik selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and were then analyzed using thematic analysis techniques with the interactive model of Miles, Huberman, and Saldaña. The results showed that digital platforms, such as social media, bank transfers, and QRIS, contributed to increasing the ease, efficiency, and reach of zakat collection, although their utilization has not been evenly distributed across the community. In the distribution aspect, digital platforms played a role in the data collection and management of mustahik information in a more systematic manner, but their implementation was still limited to the administrative stage and had not been fully integrated. The main obstacles identified included low digital literacy, limited network infrastructure, and a level of public trust in digital systems that was not yet optimal, while the emerging opportunities included increased transparency, management efficiency, and expanded access to zakat services. These findings contribute to the development of digital-based zakat management theory and enrich the study of contemporary Islamic economics. The conclusion of this study emphasizes the importance of strengthening digital literacy, developing integrated systems, and increasing public trust in order to optimize technology-based zakat management.

Analisis Dampak Sistem Antrian Digital Berbasis Queuing Theory dalam Meningkatkan Jumlah Nasabah pada Bank Syariah Indonesia (Studi Kasus: Bank Syariah Indonesia KCP Painan) Husniyah Khairaty; Andis Febrian
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11413

Although the implementation of digital queuing systems in the banking sector has been widely studied as an effort to improve service quality, research specifically analyzing the impact of Queuing Theory-based digital queuing systems on increasing the number of customers in Islamic banking, particularly at Bank Syariah Indonesia (BSI) KCP Painan, remains limited. This study aims to analyze the impact of implementing a Queuing Theory-based digital queuing system in supporting an increase in the number of customers at BSI KCP Painan. This study employed a qualitative approach with a case study design. Informants were selected through purposive sampling and included the branch manager, customer service officers, tellers, security officers, and customers. Data were collected through observation, in-depth interviews, and documentation and were subsequently analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which includes data condensation, data display, and conclusion drawing and verification. The results showed that the implementation of the digital queuing system created more orderly, transparent, and systematic services through the management of customer arrival sources, arrival patterns, service mechanisms, queuing discipline, and system capacity. However, the effectiveness of its implementation was still influenced by fluctuations in the number of customer arrivals, limited service capacity, office location, and the extent of digital service dissemination to the public. These findings confirm the relevance of Queuing Theory to Islamic banking service management and indicate that optimizing the digital queuing system needs to be supported by adequate service capacity and customer digital literacy. This study provides practical implications for BSI in optimizing service capacity, expanding the dissemination of digital services, and developing service strategies that are more adaptive to customer needs. Future research is recommended to expand the research locations and combine qualitative and quantitative approaches to obtain more comprehensive findings.

Analisis Manajemen Risiko pada Penyelenggaraan Ibadah Umrah di Arabia Tour and Travel Padang Mohammad Daffa; Andis Febrian
Asian Journal of Islamic Studies and Da'wah Vol 4 No 3 (2026): Asian Journal of Islamic Studies and Da'wah
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ajisd.v4i3.10200

Although risk management in financial institutions and e-commerce businesses has been widely studied, research that specifically discusses the implementation of risk management among Umrah travel organizers in West Sumatra from the perspective of sharia management remains limited. This study aims to analyze the implementation of risk management, identify obstacles, and examine the impact of risk management on the operations of Arabia Tour and Travel Padang from the perspective of sharia management. This study used a qualitative approach with data collection techniques through in-depth interviews, observation, and documentation involving ten informants consisting of the operational manager, employees, and pilgrims. Data were analyzed through the stages of data reduction, data display, and conclusion drawing. The results show that Arabia Tour and Travel Padang implements risk management in a structured manner through three stages, namely risk identification, analysis, and management. The strategies implemented include price locking, sharia insurance (takaful), a regulatory monitoring team, transportation crisis management, and double document verification. This finding confirms that the implementation of risk management at Arabia Tour and Travel Padang has integrated sharia values, namely amanah, siddiq, ta’awun, maslahah, and ihsan, thereby having a positive impact on financial stability and pilgrims’ trust. The conclusion of this study indicates that risk management in Umrah travel agencies has not only managerial-business dimensions but also spiritual and ethical dimensions that need to be integrated comprehensively. The implications of this study contribute to the development of sharia management studies and provide a practical basis for Umrah travel organizers in strengthening risk governance that is professional, ethical, and oriented toward the welfare of pilgrims.

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