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Sharia Business Model Bumnagari with BMC Models Approach (Decree of Bumnagari Magek Sakabek, Agam Regency) Dewi, Yenty Astarie; Gusvi, Fitrina; Satria, Wahyu
Krigan: Journal of Management and Sharia Business Vol. 1 No. 1 (2023): Juni 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i1.6515

This research aims to design a Sharia business model for BUMNagari Magek Sakabek. The type of business conducted by BUMNagari Magek Sakabek involves a savings and loan business unit. The method used is Qualitative Research with data analysis techniques using the Business Model Canvas (BMC Models), which analyzes the nine Canvas elements into the Sharia Business Concept, namely customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure. Each BMC element must depict and explain how Sharia principles are applied in business transactions. From the discussion results, each BMC element is analyzed to create a Sharia business model that can be implemented by the savings and loan business unit of BUMNagari Magek Sakabek, one that is sustainable and competitive in the long term, while also providing positive value to the community related to Sharia business. From the research findings, it can be concluded that the business model designed with BMC shows that 8 BMC elements have undergone corrections or changes in applying Sharia principles, which are value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure. Therefore, the Sharia business model can be implemented in the Savings and Loan Business Unit of BUMNagari Magek Sakabek.Penelitian ini bertujuan untuk merancang model bisnis syariah pada Badan Usaha Milik Nagari (BUMNag) Magek Sakabek. BUMNag Magek Metode yang digunakan untuk merancang model bisnis syariah pada Unit Bisnis Simpan Pinjam BUMNag Magek Sakabek adalah dengan pendekatan Business Model Canvas (BMC) . Business Model Canvas terdiri dari sembilan elemen yaitu customer segements, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnership dan costructure. Setiap elemen BMC harus menggambarkan dan menjelaskan bagaimana prinsip syariah diterapkan dalam transaksi bisnis. Dari hasil evaluasi masing-masing elemen BMC dianalisis sehingga tercipta model bisnisÂ syariah yang dapat diimplementasikan unit bisnis simpan pinjam BUMNag Magek Sakabek yang sustainable dan bersaing dalam jangka panjang sekaligus memberikan nilai positif bagi masyarakat terkait bisnis syariah.Dari hasil penelitian dapat disimpulkan bahwa model bisnis yang dirancang dengan BMC menunjukkan terdapat 8 elemen BMC yang mengalami koreksi atau perubahan dalam menerapkan prinsip syariah yaitu value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnership dan costructure. Sehingga model bisnis syariah dapat diimplementasikan pada unit Bisnis Simpan Pinjam BUMNag Magek Sakabek.

Analisis Penerapan Manajemen Risiko Dalam Penyaluran Pembiayaan Mikro (Studi Kasus Bank Syariah Indonesia KC Padang Imam Bonjol) Fajar, Taufik M.; Dewi, Yenty Astarie
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 12 (2025): July 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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The purpose of this study is to examine how risk management is used at the Bank Syariah Indonesia Padang Imam Bonjol Branch Office when distributing microfinance. Field research techniques are used in this study, which takes a descriptive qualitative approach. Through documentation, interviews, and observation, data was gathered. The findings of the study demonstrate that risk management has been correctly implemented in the distribution of microfinance at BSI KC Padang Imam Bonjol, taking into consideration the terms and conditions for potential users of microfinance. Furthermore, BSI KC Padang Imam Bonjol oversees the management of legal, market, finance, and strategic risks. To identify hazards in the distribution of microloans, the 5C principle, character, capacity, capital, collateral, and condition of economy is used.

Peran Pemerintah Nagari Dalam Upaya Meningkatkan Daya Saing Pasar Tradisional Dalam Mendukung Pertumbuhan Ekonomi Nagari Lubuk Gadang Selatan Kec. Sangir Fitri, Anisa; Dewi, Yenty Astarie; Ridhah, Habibatur; Nurani, Khadijah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3013

Latar belakang dari penelitian yang dilakukan di pasar tradisional Nagari Lubuk Gadang Selatan Kec. Sangir ini terdapat adanya keterbatasan pemerintah nagari dalam penataan pasar tradisional dan keterbatasan dari sarana dan prasarana dalam mendukung daya saing di pasar tradisional Nagari Lubuk Gadang Selatan kec. Sangir. Penelitian ini bertujuan untuk mengetahui dan menganalisis bagaimana peran pemerintah nagari dalam upaya meningkatkan daya saing pasar tradisional dalam mendukung pertumbuhan ekonomi di Nagari Lubuk Gadang Selatan Kec. Sangir.Jenis penelitian skripsi ini menggunakan metode kualitatif deskriptif yaitu menganalisis dan menguraikan fenomena atau peristiwa yang terjadi saat ini. Sumber data yang diambil dalam penelitian ini yaitu data primer yang diperoleh dari Walinagari dan pedagang pasar Nagari Lubuk Gadang Selatan Kec. Sangir dan data sekunder yang diperoleh dari publikasi informasi yang dikeluarkan berbagai penelitian dari jurnal, artikel dan buku serta data-data yang berhubungan dengan penelitian ini. Teknik pengumpulan data yang digunakan adalah observasi dan wawancara, serta dokumentasi. Berdasarkan hasil penelitian yang telah penulis lakukan menunjukkan bahwa peran pemerintah dalam mendukung kegiatan daya saing pasar tradisional Nagari Lubuk Gadang Selatan Kec. Sangir ini hasilnya masih belum optimal karena adanya keterbatasan dana baik dari segi penataan pasar dan segi sarana dan prasarana.

Sharia Business Model Bumnagari with BMC Models Approach (Decree of Bumnagari Magek Sakabek, Agam Regency) Dewi, Yenty Astarie; Gusvi, Fitrina; Satria, Wahyu
Krigan: Journal of Management and Sharia Business Vol. 1 No. 1 (2023): Juni 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i1.6515

This research aims to design a Sharia business model for BUMNagari Magek Sakabek. The type of business conducted by BUMNagari Magek Sakabek involves a savings and loan business unit. The method used is Qualitative Research with data analysis techniques using the Business Model Canvas (BMC Models), which analyzes the nine Canvas elements into the Sharia Business Concept, namely customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure. Each BMC element must depict and explain how Sharia principles are applied in business transactions. From the discussion results, each BMC element is analyzed to create a Sharia business model that can be implemented by the savings and loan business unit of BUMNagari Magek Sakabek, one that is sustainable and competitive in the long term, while also providing positive value to the community related to Sharia business. From the research findings, it can be concluded that the business model designed with BMC shows that 8 BMC elements have undergone corrections or changes in applying Sharia principles, which are value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure. Therefore, the Sharia business model can be implemented in the Savings and Loan Business Unit of BUMNagari Magek Sakabek.Penelitian ini bertujuan untuk merancang model bisnis syariah pada Badan Usaha Milik Nagari (BUMNag) Magek Sakabek. BUMNag Magek Metode yang digunakan untuk merancang model bisnis syariah pada Unit Bisnis Simpan Pinjam BUMNag Magek Sakabek adalah dengan pendekatan Business Model Canvas (BMC) . Business Model Canvas terdiri dari sembilan elemen yaitu customer segements, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnership dan costructure. Setiap elemen BMC harus menggambarkan dan menjelaskan bagaimana prinsip syariah diterapkan dalam transaksi bisnis. Dari hasil evaluasi masing-masing elemen BMC dianalisis sehingga tercipta model bisnisÂ syariah yang dapat diimplementasikan unit bisnis simpan pinjam BUMNag Magek Sakabek yang sustainable dan bersaing dalam jangka panjang sekaligus memberikan nilai positif bagi masyarakat terkait bisnis syariah.Dari hasil penelitian dapat disimpulkan bahwa model bisnis yang dirancang dengan BMC menunjukkan terdapat 8 elemen BMC yang mengalami koreksi atau perubahan dalam menerapkan prinsip syariah yaitu value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnership dan costructure. Sehingga model bisnis syariah dapat diimplementasikan pada unit Bisnis Simpan Pinjam BUMNag Magek Sakabek.

Peran Corporate Social Responsibility (CSR) dalam Meningkatkan Citra Positif Lembaga Keuangan Syariah di BUMNAG Bersama Lemersing Mandiri (Studi Kasus Masyarakat Kecamatan X Koto) Mardianti, Lisa; Dewi, Yenty Astarie
Jurnal Pendidikan Tambusai Vol. 9 No. 3 (2025): Desember
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Pendapat masyarakat mengenai Lembaga Keuangan Syariah di Kecamatan X Koto sangat beragam. Hal ini disebabkan oleh faktor internal dan ekternal seseorang. Dari banyaknya upaya yang bisa dilakukan agar dapat meningkat nya citra yang positif lembaga adalah dengan menerapkan program Corporate Social Responsibility (CSR). Corporate Social Responsibility (CSR) merupakan suatu bentuk tanggung jawab perusahaan terhadap masyarakat dan lingkungan. Penelitian ini ditujukan agar dapat mengetahui bagaimana pendapat masyarakat tentang Lembaga keuangan syariah dan bagaimana Program Corporate Social Responsibility (CSR) yang dilakukan oleh BUMNag Bersama Lemersing Mandiri dapat berperan dalam meningkatkan citra positif lembaga keuangan syariah di mata masyarakat Kecamatan X Koto. Jenis penelitian ini menggunakan penelitian kulaitatif deskriptif. Sumber data yang dipergunakan dalam penelitian ini adalah data primer dan juga data sekunder. Pengumpulan data menggunakan teknik observasi, wawancara langsung dan dokumentasi. Teknik analisis data yang digunakan yaitu reduksi data, data display dan verifikasi data mengenai pendapat masyarakat tentang lembaga keuangan syariah dan peran Corporate Social Responsibility (CSR) dalam meningkatkat citra positif lembaga keuangan syariah oleh masyarakat. Hasil penelitian ini menunjukan bahwa banyak dari masyarakat yang menganggap bahwa lembaga keuangan syariah sama dengan lembaga keuangan konvensional. Hal ini disebabkan oleh beberapa alasan seperti rendahnya pemahaman dan wawasan masyarakat serta pengalaman yang dirasakan oleh seseorang yang kemudian mempengaruhi orang lain. Namun, dengan adanya program Corporate Social Responsibility (CSR) ini masyarakat cenderung mengganggap lembaga keuangan syariah lebih baik karena manfaat nya lebih dirasakan oleh masyarakat tersebut sehingga masyarakat yang walaupun tidak begitu paham mengenai perbedaan antara kedua lembaga tersebut namun lebih percaya terhadap BUMNag Bersama Lemersing Mandiri yang merupakan bentuk dari lembaga keuangan syariah.

Analysis of Strategies To Increase The Income of Fish Processing Businesses Through The Diversification of Processed Fish Products Dinda, Mita; Dewi, Yenty Astarie; Nurani, Khadijah; Putra, Indika Juang
International Journal of Education, Information Technology, and Others Vol 8 No 4 (2025): International Journal of Education, information technology and others
Publisher : Peneliti.net

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This study aims to analyze income improvement strategies through diversification, covering aspects of capital conditions, technology, seasonal impacts, and strategy formulation. Method: Descriptive qualitative approach using observation and interviews with six informants, thematic analysis, and secondary data from BPS and KKP (2022–2024). The study employs a descriptive qualitative approach through observation and interviews with six informants, thematic analysis, and secondary data from BPS and KKP (2022–2024). Results show that the number of actors increased by 50%, production rose by 100%, and income grew by 84% (from IDR 44.1 million to IDR 54.2 million). Challenges: Seasonal fluctuations and limited diversification, with interest in products such as fish floss. Conclusion: Diversification supported by modern technology, sharia-based financing, and digital marketing can.

Excellent Service Strategy to Increase Congregation Satisfaction and Readiness at Sahibuna Sabila Salam Travel in Bukittinggi City Abdullah, M. Harist; Dewi, Yenty Astarie; Awaluddin, Awaluddin; Nurani, Khadijah
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 1 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i1.12616

This study aims to analyze the excellent service strategy implemented by Travel Shahibuna Sabila Salam Bukittinggi City in increasing the satisfaction and readiness of Umrah pilgrims, as well as identifying the obstacles faced in its implementation. Using a descriptive qualitative approach, this research was conducted at the Shahibuna Sabila Salam office in Bukittinggi City through interview, observation, and documentation techniques. The results showed that the excellent service strategy implemented includes the five main dimensions of SERVQUAL: responsiveness, reliability, assurance, empathy, and tangibles, which are also supported by sharia values such as amanah, shiddiq, fathanah, and tabligh. Nevertheless, there are obstacles in terms of communication, officer responsiveness, and facilities. Overall, the strategy implemented is proven to significantly increase the satisfaction and readiness of Umrah pilgrims.

Strategies For Optimizing Catfish Potential Through A Creative Economy Approach In Pasar 60 Village, Batang Arah Tapan Nagari, Basa Ampek Balai Tapan Sub-District, Pesisir Selatan Regency Pendra, Okta; Widiantia, Rika; Ridhah, Habibatur; Dewi, Yenty Astarie
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 1 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i1.12771

This study aims to formulate a strategy to optimize catfish potential through a creative economic approach in Pasar 60 Village, Nagari Batang Arah Tapan, Basa Ampek Balai Tapan District, Pesisir Selatan Regency. Although the potential for catfish in this area is quite large, its management is still traditional, minimal innovation, limited access to capital, technology, and digital marketing. This study uses a qualitative descriptive method with data collection techniques in the form of observation, in-depth interviews, and documentation of village catfish farmers. Data analysis was carried out using the SWOT (Strengths, Weaknesses, Opportunities, Threats) approach and the IFAS and EFAS matrices to determine the position and direction of the strategy. The results of the study indicate that the right strategy is the SO strategy, namely optimizing strengths and opportunities through the development of processed products such as shredded meat, crackers, and smoked catfish and utilizing social media as a marketing tool. The ST strategy encourages the creation of a distinctive brand for Tapan catfish products; the WO strategy is directed at training in processing and digital marketing; while the WT strategy emphasizes the formation of sharia cooperatives and policy advocacy. The conclusion of this study confirms that the creative economic approach can increase the added value of catfish products, support the strengthening of farmer institutions, and encourage sustainable local economic growth.

Analysis of the Role of Islamic Banks in Promoting Green Finance in West Sumatra (Realization of SDGs 8 Point 10) Amelia, Putri; Dewi, Yenty Astarie
International Journal of Education, Information Technology, and Others Vol 9 No 1 (2026): International Journal of Education, information technology and others
Publisher : Peneliti.net

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This study addresses air and environmental pollution, two significant economic issues for the long-term viability of businesses. Policymakers must prioritize green vision in economic growth now. In line with the tenets of maqasid sharia, sharia banking plays a significant role in fostering the development of green finance, which may motivate businesses to give environmental management greater attention. The purpose of this study is to provide a valuable addition to the body of knowledge on green finance and sustainable sharia banking, particularly in the context of Islamic banking. In order to fully understand sharia banking practices that prioritize sustainability and their effects on green financing, this study employs a qualitative and descriptive methodology. Three sharia banks that regularly publish reports—BSI, Bank Bukopin Syariah, and Bank Muamalat Indonesia—were the subjects of the study, which used library research as a methodology in the years 2021–2023. The findings of the study demonstrate the three sharia banks in West Sumatra's dedication to promoting sustainability via eco-friendly lending and involvement in several environmental projects. However, when using green financing, a number of institutions, such as Bank Muamalat and Bank Bukopin Syariah, see variations in their financial performance.

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