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All Journal Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis Jurnal Ekonomi dan Bisnis PESHUM
Cahya Agung Mulyana
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences

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Analisis Faktor-Faktor yang Mempengaruhi Minat Pedagang Pasar Atas Bukittinggi Menggunakan Pembiayaan Utsman di BPRS Jam Gadang Santi Handayani; Cahya Agung Mulyana
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 4 (2024): Oktober : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v3i4.3174

Abstract

This research analyzes the factors influencing the interest of traders in Pasar Atas Bukittinggi in using Utsman Financing at BPRS Jam Gadang. This study is motivated by the decreasing number of Utsman Financing customers at the BPRS. Data was gathered through documentation, interviews, and observation using a descriptive qualitative technique. Participants in the study include Pasar Atas Bukittinggi vendors, some of whom have used Utsman Financing services and others who have not. Both internal and external factors impact traders' interest, according to the research. Reasoning and other internal variables, perception, learning, and attitude. Meanwhile, external factors consist of culture, social, and personal factors. The most influential factors are the motivation to avoid riba and a positive perception of Utsman Financing. In terms of external factors, personal factors (economic needs) and social factors (recommendations from the environment) have a significant influence. Cultural factors were found to have a relatively small influence on traders' interest in using Utsman Financing.
ANALISIS PENGARUH TINGKAT PENGETAHUAN FINTECH PEER TO PEER (P2P) LENDING SYARIAH TERHADAP PREFERENSI MAHASISWA: (Studi Kasus Mahasiswa Perbankan Syariah UIN SMDD Bukittinggi Angkatan 2020) Ardina Khairunnisa; Cahya Agung Mulyana
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

This research aims to analyze the influence of students' knowledge of Sharia Peer-to-Peer (P2P) lending fintech on their preferences in choosing financial services. The research adopts a quantitative approach using a survey conducted on the 2020 class of Sharia Banking students at UIN SMDD Bukittinggi. Data was collected through a questionnaire distributed to 79 respondents. The results show that the students' knowledge of Sharia P2P lending significantly affects their preference for selecting Sharia financial services. The study concludes that increasing financial literacy and knowledge of Sharia financial products is essential to encourage students' preferences towards Sharia-based financial services. The implications of these findings can be used to develop more effective educational programs to improve Sharia fintech literacy.
ANALISIS PREFERENSI PELAKU USAHA MIKRO DALAM MENGGUNAKAN PEMBIAYAAN MIKRO SYARIAH (Studi Kasus: Usaha Mikro di Batang Gadih Kecamatan Batipuh Baruh Kabupaten Tanah Datar) Rezzi Mulia Irwan; Cahya Agung Mulyana
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

This research is motivated by several obstacles experienced by micro business actors, including a lack of education and promotion, a lack of understanding of the concept and its benefits, and the public's tendency to choose conventional banks. The aim of this research is to find out and analyze micro business actors in Batang Gadih, Batipuh Baruh sub-district in using sharia micro financing. The method used in this research is a qualitative descriptive method carried out by direct observation of micro business actors in Batang Gadih to obtain data that suits the problem. The data collection techniques used in this research were observation, interviews and document study. Meanwhile, the data analysis technique used in this research is the theory of business actor preferences, using 3 factors, namely environmental factors, personal factors and psychological factors. The research results show that the decisions of micro business actors in Batang Gadih, Batipuh Baruh District, in choosing sharia micro financing are influenced by three main factors, namely environmental, personal and psychological factors. Environmental factors emphasize the alignment of sharia financing with local ethical values ​​and social norms. Personal factors demonstrate the importance of lifestyle and business practices that are in line with sharia principles, such as honesty and transparency. Meanwhile, psychological factors reflect the comfort and identity of business actors in using halal financing.
PENGARUH PEMBIAYAAN MURABAHAH DAN MUDHARABAH TERHADAP LABA BERSIH PT. BPRS HAJI MISKIN PANDAI SIKEK KEC. X KOTO KABUPATEN TANAH DATARSUMATRA BARAT Juniatul Adawiyah Tanjung; Cahya Agung Mulyana
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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Abstract

This research aims to try and analyze the Net Profit of BPRS Haji Poor Smart Sikek. There are also several aspects analyzed that influence Net Profit, namely Murabahah and Mudharabah Financing. This research uses a quantitative approach using inferior information, namely information obtained from the Financial Services Authority's Sharia Banking Statistics (SPS OJK) based on monthly information for the period 2019-2022. The information collection instrument is based on BPRS Haji Miskin Information and the Financial Services Authority (OJK). ). The information analysis procedure used in this research is Multiple Linear Regression Analysis. The research results of partial multiple linear regression experiments prove that Murabahah Financing with a significant figure of 0.008, Mudharabah Financing with a significant figure of 0.111, has an important influence on Net Profit. Simultaneously, the totality of free elastics has an important impact on Net Profit, namely a significant number of 0.000≤ 0.05.
ANALISIS PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN GENERASI Z MENABUNG PADA BANK SYARIAH INDONESIA (STUDI KASUS MASYARAKAT KECAMATAN HARAU KABUPATEN LIMA PULUH KOTA) Dira Indriani; Cahya Agung Mulyana
Jurnal Ekonomi dan Bisnis Vol. 3 No. 3 (2025): Maret
Publisher : ADISAM PUBLISHER

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Abstract

This study is entitled "Analysis of the Influence of Sharia Financial Literacy on Generation Z's Decision to Save at Bank Syariah Indonesia (Case Study of the Harau District Community, Lima Puluh Kota Regency)". Compiled by Dira Indriani NIM 3320322 Sharia Banking Study Program, State Islamic University (Uin) Sjech M. Djamil Djambek Bukittinggi. The purpose of this study was to determine how much influence sharia financial literacy has on the decision of generation z to save at Indonesian sharia banks. The type of research used in this study is quantitative descriptive research. The data used are primary and secondary data. The population in this study is generation z in Harau District with a sample of 100 respondents using data collection techniques with observation, questionnaires and documentation. The results of the study indicate that the variable of Islamic financial literacy has a significant effect on the decision of generation z to save at Indonesian Islamic banks, the independent variable (Islamic financial literacy) is able to contribute to influencing the dependent variable (the decision of generation z to save at Islamic banks) by 0.505 or 50.5% while the remaining 49.5% (100% - 50.5% = 49.5%) is influenced by other variables outside the regression model that analyzes the decision of generation z to save at Indonesian Islamic banks.
ANALISIS PENGARUH PEMBIAYAAN USAHA RAKYAT TERHADAP PENGEMBANGAN UMKM DI KOTA BATUSANGKAR (STUDI KASUS UPS. PEGADAIAN SYARIAH) Sherin Afrila Putri; Cahya Agung Mulyana
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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Abstract

This thesis is entitled "Analysis of the Influence of People's Business Financing on the Development of Micro, Small and Medium Enterprises in Batusangkar City (Case Study of UPS Pegadaian Syariah)". Compiled by Sherin Afrila Putri NIM 3320169 Sharia Banking Study Program, State Islamic University (UIN) Sjech M. Djamil Djambek Bukittinggi. The purpose of this study is to determine how much influence People's Business Financing has on the Development of Micro, Small and Medium Enterprises. The type of research used is quantitative descriptive research. The data used is primary data, with a population of people's business financing in Batusangkar which uses data collection techniques with questionnaires and documentation. Data processing techniques use research instrument tests consisting of validity tests and reliability tests, classical assumption tests consisting of (normality tests, linearity tests), simple linear regression tests, hypothesis tests (t tests), coefficient of determination tests. The results of the study indicate that partially the people's business financing variable has an effect on the development of MSMEs with a significant value of 0.000 ≤0.05 for people's business financing simultaneously there is an influence of the business financing variable people on the development of MSMEs with a significant value of 0.000 ≤0.05, which means that there is an influence of people's business financing on the development of MSMEs. The large result of the determination coefficient test (R2) is 0.754, around 75.4% of the variables used, the remaining 24.6% is explained by other variables outside the regression model analyzed.
Analisis Pengaruh Jumlah Kunjungan Wisatawan Terhadap Tingkat Pertumbuhan Pendapatan Regional Kota Bukittinggi Tahun 1993-2023 Refliani, Refliani; Cahya Agung Mulyana; Ariyun Anisah; Septria Susanti
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 1: Desember 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i1.12683

Abstract

Salah satu perhatian utama setiap daerah adalah pertumbuhan ekonomi. Industri pariwisata adalah salah satu yang berpotensi meningkatkan pertumbuhan ekonomi. Jumlah wisatawan yang datang dapat memengaruhi tingkat sumbangan sektor pariwisata terhadap PDRB. Penelitian ini dilatarbelakangi oleh jumlah kunjungan wisatawan yang belum selalu berbanding lurus dengan peningkatan pendapatan regional Kota Bukittinggi. Studi ini bertujuan untuk menilai tingkat pengaruh kunjungan wisatawan terhadap laju pertumbuhan pendapatan daerah di Kota Bukittinggi. Pendekatan yang dipakai yaitu metode kuantitatif deskriptif dengan analisis data melalui regresi linier sederhana. Jenis data dalam studi ini yaitu data sekunder time series yang berkaitan dengan jumlah wisatawan dan PDRB, yang diambil dari BPS Kota Bukittinggi. Teknik pengumpulan data menggunakan teknik dokumentasi. Berdasarkan temuan penelitian, tingkat pertumbuhan pendapatan regional Kota Bukittinggi secara signifikan dipengaruhi oleh jumlah kunjungan wisatawan. Sebanyak 54,1% dari PDRB Kota Bukittinggi dapat dijelaskan oleh jumlah kunjungan wisatawan, sementara 45,9% sisanya berasal dari variabel lain yang tidak dianalisis dalam studi ini. Penelitian ini memberikan wawasan penting dalam memahami hubungan antara wisatawan dan pertumbuhan ekonomi di Kota Bukittinggi. Namun, penelitian lebih lanjut diperlukan untuk mengidentifikasi faktor-faktor lain yang dapat memengaruhi pendapatan regional, serta merumuskan strategi kebijakan untuk meningkatkan kontribusi sektor pariwisata Kota Bukittinggi.
Co-Authors Ardina Khairunnisa Ariyun Anisah Dira Indriani Juniatul Adawiyah Tanjung Refliani, Refliani Rezzi Mulia Irwan Santi Handayani septria susanti Sherin Afrila Putri