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Pengaruh Jumlah Pembiayaan, Pendapatan Nasabah, dan Jangka Waktu Pengembalian terhadap Kelancaran Pembiayaan Nasabah BPRS Carana Kiat Andalas Bukittinggi Adif, Riandy Mardhika; Annuara, Muhammad; Irsadunas
Jurnal Informatika Ekonomi Bisnis Vol. 4, No. 4 (December 2022)
Publisher : SAFE-Network

This study aims to determine the effect of the amount of financing, customer income and the period of return on customer financing at BPRS Carana Kiat Andalas Bukittinggi. This study used a quantitative method with a questionnaire research instrument with a logistic regression analysis tool from SPSS 22. The sampling method used purposive sampling with the slovin technique, with a total population of 743 financing customers at BPRS Carana Kiat Andalas Bukittinggi and a sample of 80 financing customers at BPRS Carana Tips Andalas Bukittinggi. The results of this study indicate that the amount of financing has a negative influence on the smooth return of financing. Customer income has a positive influence on the smooth return of financing. Meanwhile, the payback period does not affect the smooth return of financing at BPRS Carana Kiat Andalasa Bukittinggi. And simultaneously the variable amount of financing, customer income, and payback period affect the smooth return of financing at BPRS Carana Kiat Andalas Bukittinggi.

Analisis Faktor-Faktor yang Mempengaruhi Produksi Gambir di Kecamatan Sutera Kabupaten Pesisir Selatan Almizan; Cahyani, Rahma; Ihsandi, Aslan Deri; Irsadunas
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (June 2023)
Publisher : SAFE-Network

Productivity and product quality are very low due to cultivation methods and post-harvest processes and gambier processing that are not optimal and the lack of technological support for gambier processing. The very low level of productivity causes the amount of production produced to also be low. The decrease in the value of gambier productivity indicates that there has been inefficiency of farmers in allocating existing production factors. This research is associative with a quantitative approach. The population in this study were 18,547 gambier farmers and the sampling technique was random sampling. So in this study using a sample of 100 respondents. This study uses Multiple Linear Regression Analysis with the help of SPSS version 25. The purpose of this study was to analyze the influence of the use of production factors in the form of land area, labor, gambier prices on gambier production. The results showed that the variables of land area and labor could increase the amount of gambier production positively and significantly. Gambier price variable has a positive and insignificant effect on the amount of gambier production.

Faktor-Faktor yang Mempengaruhi Ketimpangan Ekonomi Kabupaten/Kota di Provinsi Jambi Almizan; Santo; Irsadunas
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 1 (March 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i1.838

This research is entitled Factors Influencing District/City Economic Inequality in Jambi Province in 2015-2018. This study aims to analyze the effect of Agglomeration, Labor, and Investment on Regency/City Economic Inequality in Jambi Province in 2015-2018. The analytical method used in this study is panel data regression for the 2015-2018 period which comes from the Jambi Central Bureau of Statistics. Statistical testing includes Common, Fixed, and Random tests, as well as conducting the Chow Test and Hausman Test to obtain the test to be selected. The results of the data analysis show that among the three agglomeration variables (X1) it has a sig. (0.040) < (0.05), so it partially has a significant effect on economic inequality in Jambi Province in 2015-2018. Labor variable (X2) has a sig. (0.8846) (0.05), so partially it has no significant effect on economic inequality in Jambi Province in 2015-2018. Investment (X3) Investment (X3) has a sig. (0.407) (0.05), so partially it has no significant effect on economic inequality in Jambi Province in 2015-2018. Simultaneously obtain a calculated F value of 4.460 with a Probability value (Prob F-statistic) of 0.000. Because the probability value is 0.000 <0.05 (α) and F count (358.6774) > F table (2.78), it can be concluded that all independent variables namely agglomeration, number of workers, investment together have a significant effect on economic inequality in Jambi Province from 2015 to 2018. Based on the value of the coefficient of determination, the independent variables in the equation, namely agglomeration, labor, and investment jointly affect 65.9% of economic inequality in Jambi Province in 2015-2018, while the remaining 24.1% is explained by other factors outside the model.

Pengaruh Jumlah Pembiayaan, Pendapatan Nasabah, dan Jangka Waktu Pengembalian terhadap Kelancaran Pembiayaan Nasabah BPRS Carana Kiat Andalas Bukittinggi Adif, Riandy Mardhika; Annuara, Muhammad; Irsadunas
Jurnal Informatika Ekonomi Bisnis Vol. 4, No. 4 (December 2022)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v4i4.184

This study aims to determine the effect of the amount of financing, customer income and the period of return on customer financing at BPRS Carana Kiat Andalas Bukittinggi. This study used a quantitative method with a questionnaire research instrument with a logistic regression analysis tool from SPSS 22. The sampling method used purposive sampling with the slovin technique, with a total population of 743 financing customers at BPRS Carana Kiat Andalas Bukittinggi and a sample of 80 financing customers at BPRS Carana Tips Andalas Bukittinggi. The results of this study indicate that the amount of financing has a negative influence on the smooth return of financing. Customer income has a positive influence on the smooth return of financing. Meanwhile, the payback period does not affect the smooth return of financing at BPRS Carana Kiat Andalasa Bukittinggi. And simultaneously the variable amount of financing, customer income, and payback period affect the smooth return of financing at BPRS Carana Kiat Andalas Bukittinggi.

Analisis Faktor-Faktor yang Mempengaruhi Produksi Gambir di Kecamatan Sutera Kabupaten Pesisir Selatan Almizan; Cahyani, Rahma; Ihsandi, Aslan Deri; Irsadunas
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (June 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i2.235

Productivity and product quality are very low due to cultivation methods and post-harvest processes and gambier processing that are not optimal and the lack of technological support for gambier processing. The very low level of productivity causes the amount of production produced to also be low. The decrease in the value of gambier productivity indicates that there has been inefficiency of farmers in allocating existing production factors. This research is associative with a quantitative approach. The population in this study were 18,547 gambier farmers and the sampling technique was random sampling. So in this study using a sample of 100 respondents. This study uses Multiple Linear Regression Analysis with the help of SPSS version 25. The purpose of this study was to analyze the influence of the use of production factors in the form of land area, labor, gambier prices on gambier production. The results showed that the variables of land area and labor could increase the amount of gambier production positively and significantly. Gambier price variable has a positive and insignificant effect on the amount of gambier production.

Faktor-Faktor yang Mempengaruhi Ketimpangan Ekonomi Kabupaten/Kota di Provinsi Jambi Almizan; Santo; Irsadunas
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 1 (March 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i1.838

This research is entitled Factors Influencing District/City Economic Inequality in Jambi Province in 2015-2018. This study aims to analyze the effect of Agglomeration, Labor, and Investment on Regency/City Economic Inequality in Jambi Province in 2015-2018. The analytical method used in this study is panel data regression for the 2015-2018 period which comes from the Jambi Central Bureau of Statistics. Statistical testing includes Common, Fixed, and Random tests, as well as conducting the Chow Test and Hausman Test to obtain the test to be selected. The results of the data analysis show that among the three agglomeration variables (X1) it has a sig. (0.040) < (0.05), so it partially has a significant effect on economic inequality in Jambi Province in 2015-2018. Labor variable (X2) has a sig. (0.8846) (0.05), so partially it has no significant effect on economic inequality in Jambi Province in 2015-2018. Investment (X3) Investment (X3) has a sig. (0.407) (0.05), so partially it has no significant effect on economic inequality in Jambi Province in 2015-2018. Simultaneously obtain a calculated F value of 4.460 with a Probability value (Prob F-statistic) of 0.000. Because the probability value is 0.000 <0.05 (α) and F count (358.6774) > F table (2.78), it can be concluded that all independent variables namely agglomeration, number of workers, investment together have a significant effect on economic inequality in Jambi Province from 2015 to 2018. Based on the value of the coefficient of determination, the independent variables in the equation, namely agglomeration, labor, and investment jointly affect 65.9% of economic inequality in Jambi Province in 2015-2018, while the remaining 24.1% is explained by other factors outside the model.

Penerapan Program Kredit Usaha Rakyat Bank Syariah Indonesia dalam Meningkatkan Pendapatan UMKM di Kota Padang Irsadunas; Adif, Riandy Mardhika
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 4 (December 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i4.851

The aim of this research is how much the people's business credit program has increased the income of MSMEs in Padang City. People's Business Credit (KUR) is one of the government's initiatives to develop the MSME industry, especially to support obtaining financing through the People's Business Credit (KUR) program. The micro and MSME development program initiated by the government is now known as People's Business Credit. Furthermore, the relevance of the role of sharia banking in global economic and financial dynamics. Furthermore, this research also determines the impact on the economy of the people of Padang City from the KUR program provided by BSI, providing sustainability or development so that it is worthy of being a strategy to improve the economy of the local community. This research uses qualitative research methods combined with a library research approach. The data sources used in this research are primary data sources and secondary data sources. The data collection technique used in this research is an information search technique using observation of the sources used in the research, structured interviews with sources related to the subject matter, document collection studies, as well as primary and secondary documents. Data analysis begins with collecting data, then comparing, categorizing, and looking for themes to interpret the data. The results of this research show that the implementation of BSI KCP Padang People's Business Credit (KUR) financing has many advantages, one of which is an easy and fast application method and disbursement time, no fines for late payments, cheaper installments so as to save customers' expenses. In this way, KUR BSI KCP Padang financing can increase the income of MSMEs in Padang City.

Penerapan Program Kredit Usaha Rakyat Bank Syariah Indonesia dalam Meningkatkan Pendapatan UMKM di Kota Padang Irsadunas; Adif, Riandy Mardhika
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 4 (December 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i4.851

The aim of this research is how much the people's business credit program has increased the income of MSMEs in Padang City. People's Business Credit (KUR) is one of the government's initiatives to develop the MSME industry, especially to support obtaining financing through the People's Business Credit (KUR) program. The micro and MSME development program initiated by the government is now known as People's Business Credit. Furthermore, the relevance of the role of sharia banking in global economic and financial dynamics. Furthermore, this research also determines the impact on the economy of the people of Padang City from the KUR program provided by BSI, providing sustainability or development so that it is worthy of being a strategy to improve the economy of the local community. This research uses qualitative research methods combined with a library research approach. The data sources used in this research are primary data sources and secondary data sources. The data collection technique used in this research is an information search technique using observation of the sources used in the research, structured interviews with sources related to the subject matter, document collection studies, as well as primary and secondary documents. Data analysis begins with collecting data, then comparing, categorizing, and looking for themes to interpret the data. The results of this research show that the implementation of BSI KCP Padang People's Business Credit (KUR) financing has many advantages, one of which is an easy and fast application method and disbursement time, no fines for late payments, cheaper installments so as to save customers' expenses. In this way, KUR BSI KCP Padang financing can increase the income of MSMEs in Padang City.

The Effect of Religiosity on Purchase Intention of Luxury Brands Moderating Impact of Brand Addiction Riandy Mardhika Adif; Irsadunas; Salsabila Putri Marsya; Sobrina Alfatah; Widya Putri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.6043

This study aims to analyze the influence of religiosity on luxury brand purchase intentions among working women in Banda Aceh and explore the role of brand addiction as a moderating variable. Data was obtained from 95 respondents who met the criteria and analyzed using Structural Equation Modeling (SEM) with PLS. The results show that religiosity has a negative but not significant influence on luxury brand purchase intentions. However, when brand addiction is used as a moderating variable, religiosity has a positive and significant influence on luxury brand purchase intention. This indicates that brand addiction can strengthen the relationship between religiosity and purchase intention. This shows that women with religious tendencies but experiencing brand addiction tend to still have the intention to purchase luxury products. These findings imply that although religiosity typically decreases luxury brand purchase intentions, brand addiction may alter this effect, encouraging religious consumers to participate in luxury brand consumption. Practical implications of these results include understanding that psychological factors such as brand addiction are capable of influencing purchasing decisions despite religious norms and beliefs. This research recommends further exploration of other factors that may play a role, such as social status and peer influence, to gain deeper insight into consumer behavior in the social and cultural environment of Banda Aceh.

The Effect of Religiosity on Purchase Intention of Luxury Brands Moderating Impact of Brand Addiction Riandy Mardhika Adif; Irsadunas; Salsabila Putri Marsya; Sobrina Alfatah; Widya Putri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.6043

This study aims to analyze the influence of religiosity on luxury brand purchase intentions among working women in Banda Aceh and explore the role of brand addiction as a moderating variable. Data was obtained from 95 respondents who met the criteria and analyzed using Structural Equation Modeling (SEM) with PLS. The results show that religiosity has a negative but not significant influence on luxury brand purchase intentions. However, when brand addiction is used as a moderating variable, religiosity has a positive and significant influence on luxury brand purchase intention. This indicates that brand addiction can strengthen the relationship between religiosity and purchase intention. This shows that women with religious tendencies but experiencing brand addiction tend to still have the intention to purchase luxury products. These findings imply that although religiosity typically decreases luxury brand purchase intentions, brand addiction may alter this effect, encouraging religious consumers to participate in luxury brand consumption. Practical implications of these results include understanding that psychological factors such as brand addiction are capable of influencing purchasing decisions despite religious norms and beliefs. This research recommends further exploration of other factors that may play a role, such as social status and peer influence, to gain deeper insight into consumer behavior in the social and cultural environment of Banda Aceh.

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