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All Journal Journal of Economics and Social Sciences Journal of Innovative and Creativity ZIJEc: Zabags International Journal of Economy ZIJEn: Zabags International Journal of Engagement
Saputra, Ahmad Edi
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Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Social Sciences Other

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Profit Sharing System between Owners and Managers of Oil Palm Plantations at Sungai Kayu Aro Village Saputra, Ahmad Edi
Zabags International Journal of Economy Vol. 2 No. 2 (2024): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v2i2.88

Abstract

This study aims to determine the profit-sharing system, obstacles and solutions for profit-sharing between oil palm plantation owners and managers in the Sharia Economic Perspective in Sungai Kayu Aro Village, Senyerang District, West Tanjung Jabung Regency. The approach method uses qualitative analysis of primary data. The sample consists of plantation owners, plantation managers, and community leaders and government figures. Data collection methods use observation, interviews and documentation. Data analysis tools; data reduction, data display, and conclusions. Based on the results of observations and interviews in the field, it was found that the obligations between owners and managers include (a) owner obligations; provision of land, provision of grass, provision of seeds, and provision of fertilizer (b) manager obligations; provision of land processing tools, provision of maintenance tools, and provision of fertilization tools. The constraints of managers are only having limited capital and having to bear damage to equipment. The profit-sharing system between owners and managers includes; (a) first, 50% owner and 50% manager, with the note that the capital, equipment and damage are borne by the manager, (b) second, 65% for the owner and 35% for the manager, with the note that the owner bears the costs, while the manager bears all costs of damage to the equipment.
Analysis of Factors Affecting Wood Charcoal Production in Muara Seberang Village Saputra, Ahmad Edi
Zabags International Journal of Economy Vol. 3 No. 1 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i1.87

Abstract

The use of trees that grow wild in the garden can be made into wood charcoal with economic value to increase family income. The production of wood charcoal carried out by some people in Muara Seberang Village is able to provide added value in terms of economy. The purpose of this study is to find out the influencing factors and obstacles and solutions for wood charcoal production in Muara Seberang Village. The approach method used in this study is quantitative analysis using primary data. The sample population in this study is as many as 43 respondents/questionnaire. Data analysis uses the SPSS version 24 application and Multiple Linears Regrssion (MLR). The results of the study showed that the factors that affect wood charcoal production are income variables, sales volume and wood raw materials, respectively, have a significant effect on wood charcoal production, while capital and labor do not have a significant effect on wood charcoal production in Muara Seberang Village, Seberang Kota District, Tanjung Jabung Barat Regency.
The Influence of Marketing Mix Components on Consumer Choices: A Study on Azka Cultivation Business Safitri, Ratna; Abidin, Zaenal; Munip, Al; Saputra, Ahmad Edi
Zabags International Journal of Economy Vol. 3 No. 1 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i1.96

Abstract

This study aims to determine the influence of the marketing mix consisting of products, prices, locations and promotions on the decision to purchase fish seeds in the Azka cultivation business in Talang Babat village. The method used in this study is explanatory research with a cantitive approach, looking at the influence of independent variables, namely: product, price, location and promotion on the bound variable, namely the purchase decision. The respondents in this study are prospective consumers in the Azka cultivation business in Talang Babat Village. The determination of the number of samples was carried out using the Purposive Sampling technique. The number of samples taken was 98 respondents. Hypothesis analysis uses multiple linear regression. The results of the study show that: First, there is no positive and significant influence between product variables on purchase decisions. Second; There was no positive and significant influence between price variables on purchase decisions. Third; There was a positive and significant influence between the place variables on the purchase decision. Fourth; There is a positive and significant influence between promotional variables on purchase decisions. Fifth; from the results of the F test, it can be known that it is 66.70%.
The Digitalization of Islamic Banking: Public Response to Mobile Banking in Mendahara Ilir Sapriandi; Daud; Devi, Erwina Kartika; Dewi, Hasna; Saputra, Ahmad Edi
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.847

Abstract

This study aims to analyze the interest of the community in Kelurahan Mendahara Ilir in using Sharia-based mobile banking services, as well as the factors influencing it. In the digital era, Sharia mobile banking serves as a modern financial solution aligned with Islamic principles; however, its adoption rate remains low in this region. Using a descriptive qualitative approach, data were collected through observations, in-depth interviews, and documentation. The findings indicate that the main barriers to using Sharia mobile banking include low digital literacy, limited internet access, and concerns about service security. Internal factors such as technological understanding and religious motivation, along with external factors like social support and education from financial institutions, also influence community interest. The study recommends the implementation of contextual, collaborative, and sustainable educational strategies to enhance the adoption of Sharia financial technology and promote financial inclusion in coastal areas
Persepsi dan Pengetahuan Pelaku UMKM Desa Rantau Rasau II dalam Bertransaksi di Bank Syariah Indonesia Maulana, Andre; Haeran, Haeran; Kuswanto, Kuswanto; Pitri, Alisyah Pitri; Saputra, Ahmad Edi; Devi, Erwina Kartika
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2782

Abstract

This study aims to determine the perceptions and level of knowledge of Micro, Small, and Medium Enterprises (MSMEs) in Rantau Rasau II Village regarding Islamic banking services, particularly in conducting transactions at Bank Syariah Indonesia (BSI). The background of this study is based on the importance of Islamic financial literacy among MSMEs to support economic growth based on Islamic principles. The method used in this study is descriptive quantitative with data collection through questionnaires distributed to MSMEs in the village. The results show that most MSMEs have limited basic knowledge regarding Islamic banking principles and products. Nevertheless, perceptions of Bank Syariah Indonesia are generally quite positive, especially related to aspects of halal transactions and fairness of the profit-sharing system. Factors such as education level, business experience, and access to information are variables that influence the level of knowledge and perceptions of MSMEs. These findings imply the need for more intensive education and socialization regarding Islamic banking so that MSMEs can have more trust and actively utilize BSI services optimally.
Greenhouse Optimization as an Educational and Entrepreneurial Media in Junior High School Riyadi, Ilham Slamet; Marwendi, Reza Okva; Al-Munip; Saputra, Ahmad Edi
Zabags International Journal of Engagement Vol. 3 No. 1 (2025): Engagement
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijen.v3i1.28

Abstract

This study aims to help students can learn science concepts by exploring in any learning sources, for instance through exploring in the greenhouse. Plants in the greenhouse can be integrated contextually in the learning process in order that students can construct their knowledge by correlating the new concepts with their prior knowledge. Furthermore, greenhouse can be optimized as a learning and entrepreneurship media. This training aims to maximize the function of the greenhouse as a learning source and also introduce students about the concepts of entrepreneurship. The activity involves by conducting a workshop of greenhouse utilization and an entrepreneurship training in the use of plants as the products of greenhouse. Through this training, students are expected to be able to aware about greenhouses and creative in producing economic-value products.
The Influence of Online Loans on Consumer Behavior of the Community in Dendang Sub-District Pilisia, Ade Elfhina; Abidin, Zaenal; Saputra, Ahmad Edi
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.105

Abstract

The rise of digital technology has significantly reshaped consumption patterns, particularly through the widespread use of online loan services that allow individuals to meet lifestyle demands beyond basic needs. This study investigates the influence of online loans on consumerist behavior among residents of Dendang Sub-District. Using a quantitative approach with a causality design, data were collected from 91 respondents aged 20–29 through questionnaires and analyzed using descriptive statistics, classical assumption tests, and simple linear regression. The results showed that online loan applications had a significant effect on consumptive behavior with a contribution of 8.4%, while 91.6% were influenced by other factors. This is evidenced by a t-calculated value of 2.859 which is greater than the t-table of 1.662, and a significance value of 0.005 which is smaller. The results indicate that online loan usage significantly affects consumerist behavior, with a high tendency toward impulsive and non-essential spending. The regression analysis confirms a positive and statistically significant relationship between the independent and dependent variables. This finding highlights the role of fintech platforms in facilitating immediate gratification and fostering financially unsustainable habits among young adults. The study contributes empirical evidence to the discourse on digital consumption and offers valuable insights for policymakers and practitioners seeking to mitigate the adverse effects of online lending on household financial stability.
The Influence of Product Quality and Service on Customer Satisfaction at Pondok Kito & Resto Yulianti Yustina; Wargo; Saputra, Ahmad Edi
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.106

Abstract

This study aims to examine the influence of product quality and service quality on customer satisfaction at Pondok Kito & Resto, an MSME operating in Tanjung Jabung Timur Regency. Using a quantitative approach with a causal research design, primary data were collected through questionnaire distributed to 97 respondents, and analyzed using descriptive and inferential statistics, including multiple linear regression. The results show that both product quality and service quality have a significant and positive effect both partially and simultaneously on customer satisfaction. Partial tests (t-tests) of X1 - Y resulted in a significance the calculated t-value of 13.587 far exceeds the table's t-value of 1.661. Thus, Ha is accepted and H0 is rejected. The results of X2 - Y is significance the calculated t-value of 9.035, which is greater than the t table of 1.661. Thus, the alternative hypothesis (Ha) is accepted, and H0 is rejected. The influence of product quality (X1), and service (X2), on customer satisfaction (Y) of Pondok Kito & Resto in Tanjung Jabung Timur Regency. The test results showed that the F value was calculated as 133.758 with a significance value of 0.000. Since the significance value is much smaller than the specified significance level (α = 0.05), it can be concluded that H0 is rejected and Ha is accepted. These findings indicate that high-performing and reliable products, as well as responsive and empathetic services, contribute directly to a better customer experience. The contribution of this research lies in offering empirical insights that reinforce the integration of quality management strategies in MSMEs to enhance customer loyalty and long-term competitiveness in the culinary sector.
Co-Authors Al-Munip Daud dewi, hasna Erwina Kartika Devi Haeran, Haeran Kuswanto Kuswanto Marwendi, Reza Okva Maulana, Andre Munip, Al Pilisia, Ade Elfhina Pitri, Alisyah Pitri Ratna Safitri Riyadi, Ilham Slamet Sapriandi Wargo Yulianti Yustina Zaenal Abidin