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All Journal JIKA: Jurnal Ilmu Keuangan dan Perbankan Multidiciplinary Output Research for Actual and International Issue (Morfai Journal)
Riski Aseandi
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The Effect of Provision of Business Capital from the National Pension Savings Bank (BTPN) Syariah and Business Location on the Development of Small Business Darma, Aswin Fahmi; Safaruddin Munthe; Riski Aseandi
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i2.15865

Abstract

This study aims to determine the effect of additional business capital from BTPN Syariah and business location on the development of Small Businesses in East Binjai District. This rapidly developing information technology is responded by the BTPN Syariah company, which provides business credit to mothers of underprivileged families with the aim of improving the quality of life of underprivileged mothers' families, where credit assistance is only used in order to improve their existing businesses or to open new businesses. To become a BTPN Syariah customer, the age is 18 to 25 years or married, for the beginning, but the age of 60 is also allowed, and the provision of credit without collateral. This study uses a quantitative research method, using primary data sources. The results of the study show that there is an effect of additional business capital from BTPN Syariah on the development of Small Businesses in East Binjai District. There is an effect of business location on the development of Small Businesses in East Binjai District. There is an effect of additional business capital from BTPN Syariah and business location on the development of Small Businesses in East Binjai District. Keywords: Influence of Giving; BTPN Syariah; Business Capital; Business Location; Business Development
LEADERSHIP DYNAMICS AND QUALITY MANAGEMENT: ENHANCING AMIL PERFORMANCE IN ZAKAT INSTITUTIONS Riski Aseandi; Ulen Bangun; Siti Mujiatun; Meisya Darus
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 1 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18502851

Abstract

This study investigates the influence of transformational and transactional leadership styles on the performance of zakat officers (amil) in zakat institutions in Medan City, with Total Quality Management (TQM) examined as a mediating variable. Utilizing a quantitative approach, data were collected from 31 amil zakat through a structured questionnaire, and analyzed using Structural Equation Modeling (SEM) with SmartPLS to test direct and indirect relationships among variables. The results reveal that both transformational and transactional leadership significantly affect amil performance, but transformational leadership exerts a stronger impact in driving performance and supporting TQM implementation. TQM itself plays a critical mediating role, amplifying the influence of both leadership styles on performance outcomes. These findings suggest that leadership effectiveness in zakat institutions is not solely determined by leaders’ behavior but also depends on the organization’s ability to institutionalize comprehensive quality management practices. The study enriches the understanding that combining visionary, inspirational, and adaptive leadership with a quality-oriented organizational culture is key to fostering professionalism and accountability among amil zakat. This research contributes practically by highlighting the importance of prioritizing transformational leadership supported by consistent TQM application as a relevant strategy to enhance governance, transparency, and public trust in zakat institutions in Medan
Co-Authors Darma, Aswin Fahmi Meisya Darus Safaruddin Munthe Siti Mujiatun Ulen Bangun