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All Journal Didaktik : Jurnal Ilmiah PGSD STKIP Subang ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET)
Yuwarman Mansur
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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THE INFLUENCE OF LOCAL GOVERNMENT EXPENDITURE ON ECONOMIC GROWTH IN THE DISCIPITIES/CITIES OF WEST SUMATRA PROVINCE 2019-2023 Laura Maulina; Rini Elvira; Yuwarman Mansur; Sofia Ridha
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 11 (2025): OCTOBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i11.1185

Abstract

This study aims to determine and analyze the extent to which local government spending affects economic growth in the regencies/cities of West Sumatra Province. This study supports the theory of John Maynard Keynes. According to Keynes, local government spending plays an important role in determining the rate of economic growth. If local government spending decreases, economic growth will also decline. The research method used in this study is quantitative associative. The type of data used in this study is secondary data with data collection techniques obtained from the Central Statistics Agency (BPS) of West Sumatra Province. The data used is for 5 years, from 2019 to 2023. The tool used in data processing is the SPSS 26 program. The data analysis technique used in this study is simple linear regression analysis. The results of the study were conducted using the t-test and R Square with alpha 0.05 and a confidence level of 95%. The results of this study indicate that Local Government Spending has a significant influence on Economic Growth by 85.1% and the remaining 14.9% is influenced by other variables not examined in this study, such as poverty, concentration of economic activity, unequal income distribution, consumption, investment, exports, and imports. Therefore, it is necessary to implement effective and efficient local government policies to achieve the desired economic growth goals. To achieve high economic growth, the role of the government is required, namely by managing government spending by allocating budgets to ensure that government spending is in accordance with plans and goals that have been set.
ANALISIS KINERJA KEUANGAN BANK SYARIAH INDONESIA (BSI) SEBELUM DAN SESUDAH ADANYA MERGER Nabilla Sherly P. Pazla; Baginda Parsalian; Yuwarman Mansur; Amsah Hendri Doni
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 03 (2025): Volume 11 No. 03 September 2025 In Order
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i03.8406

Abstract

The purpose of this research is to compare and contrast the pre- and post-merger financial results of Bank Syariah Indonesia (BSI). Methodologically, this study was descriptive quantitative in nature. This study use Du Pont analysis as its analytical method. The study found that return on assets (ROA) changed both before and after the merger. Earnings per share (ROS) shift before and after a merger. After the merger, Total Asset Turnover (TATO) is the same as it was before. Net Profit Margin (NPM) changes between pre- and post-merger periods. A portion of the merger's goals have been met, according to the study's findings. As a result, BSI's financial performance increases across the board, including ROA, ROE, and NPM. Another thing that stays the same before and during the merger is the TATO ratio of the Bank Syariah Indonesia entity.
Analisis Pengaruh Persepsi Dan Pengetahuan Terhadap Keputusan Pelaku UMK Tidak Memilih Pembiayaan Di Bank Syariah: Studi Kasus Pasar Tiku, Tanjung Mutiara, Kabupaten Agam Enjelika, Putri; Amsah Hendri Doni; Yuwarman Mansur; Baginda Parsaulian
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 7 No. 2 (2025): (September 2025)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v7i2.1112

Abstract

Penelitian ini di latar belakangi oleh banyaknya pelaku Usaha Mikro Kecil (UMK) di pasar tiku yang menggunakan pembiayaan di Bank Konvensional. Namun adanya suatu permasalahan pokok yang menarik perhatian penulis yaitu para pelaku usaha mikro kecil (UMK) masih rendahnya persepsi dan pengetahuan para pelaku usaha terhadap prinsip syariah dan produk yang ada di bank syariah, karna itu pelaku usaha mikro kecil di pasar Tiku masih menggunakan pembiayaan di bank konvensional. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh persepsi dan pengetahuan terhadap keputusan pelaku usaha mikro kecil tidak memilih pembiayaan di Bank Syariah. Metode yang digunakan oleh peneliti adalah metode kuantitatif. Penelitian ini menggunakan kuesioner sebagai metode pengumpulan data dengan jumlah responden sebanyak 33 orang. Sedangkan teknik analisis data menggunakan analisis korelasi, analisis regresi linier berganda, uji koefisien determinan (R2), uji hipotesis (uji t) dan uji fisher (uji f) untuk melihat kontribusi variabel bebas terhadap variabel terikat. Berdasarkan hasil penelitian yang diperoleh sesuai dengan uji T terdapat nilai sig persepsi yaitu 0,01 dan Thitung persepsi yaitu 24.770 sedangkan Ttabel sebesar 1,679 (Thitung 24.770 < Ttabel 1,697 dan sig 0,01< 0,05 dari hasil dapat diketahui bahwa H1 diterima. Dari uji T di dapatkan nilai sig pengetahuan yaitu 0,01 dan Thitung Pengetahuan 12.981 (Thitung 12.981> Ttabel 1,697 dan sig 0,01<0,05) dari hasil tersebut dapat kita ketahui bahwa H1 diterima dan Sesuai dengan uji F di dapatkan nilai sig 0.01 Fhitungnya 432.684, sedangkan Ftabel sebesar 3.316 (Fhitung 432.684 < Ftabel 3.316 dan sig 0,01 < 0,05. Dengan demikian dapat Kesimpulannya H1 diterima artinya Persepsi dan pengetahuan berpengaruh terhadap Keputusan Pelaku usaha mikro kecil di pasar tiku tidak memilih pembiayaan di Bank Syariah.
Co-Authors Amsah Hendri Doni Baginda Parsalian Baginda Parsaulian Enjelika, Putri Laura Maulina Nabilla Sherly P. Pazla Rini Elvira Sofia Ridha