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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

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.

Pengaruh Pertumbuhan Ekonomi Terhadap Penyerapan Tenaga Kerja di Provinsi Sumatera Barat Periode 1987-2024 Sari Gustina; Rini Elvira; Yuwarman Mansur; Sofia Ridha
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 2: Februari 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i2.14667

Pertumbuhan ekonomi dapat digunakan sebagai pengukuran kemajuan yang dicapai oleh sebuah daerah, termasuk Provinsi Sumatera Barat. Penyerapan tenaga kerja menjadi aspek penting yang dipengaruhi oleh pertumbuhan ekonomi. Tujuan dari penelitian ini adalah untuk mengetahui apakah variabel pertumbuhan ekonomi memengaruhi variabel penyerapan tenaga kerja di Provinsi Sumatera Barat dari tahun 1987 hingga 2024. Peneliti menggunakan jenis data sekunder yang tersedia dari BPS untuk melakukan analisis dilakukan menggunakan regresi linear sederhana. Berdasarkan penelitian yang telah dilakukan, pertumbuhan ekonomi memiliki efek yang signifikan pada penyerapan tenaga kerja, dengan kontribusi pengaruh yang diberikan pertumbuhan ekonomi sebesar 15,8%. Temuan ini mendukung hipotesis yang diajukan dan teori pertumbuhan ekonomi Solow, dimana pertumbuhan ekonomi memiliki efek terhadap penyerapan tenaga kerja. Pemerintah daerah, terutama Pemerintah Provinsi Sumatera Barat, harus mempertimbangkan hasil penelitian ini untuk meningkatkan upaya serta memberikan kebijakan yang bisa meningkatkan pertumbuhan ekonomi menjai lebih baik agar bisa memberikan pengaruh dan dampak untuk peningkatatan penyerapan tenaga kerja di lapangan dan lebijh mengidentifikasi faktor-faktor yang berpengaruh.

Analisis Strategi Pelayanan Jemaah Umrah dalam Meningkatkan Brand Image pada Travel PT. Bimalyndo Hajar Aswad Cabang Bukittinggi Mardatillah Hutabarat; Yuwarman Mansur
ARZUSIN Vol 6 No 3 (2026): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i3.9739

Service strategies for Umrah pilgrims in improving brand image have become a focus in various previous studies; however, research that specifically discusses the comprehensive implementation of service strategies at the operational level of travel agencies, particularly in the context of a decline in the number of pilgrims, remains limited. This study aims to analyze service strategies for Umrah pilgrims in improving brand image at PT Bimalyndo Hajar Aswad, Bukittinggi Branch. This study employed a qualitative approach with a field research design. The research informants consisted of the branch manager, employees, and pilgrims selected through the purposive sampling technique. Data were collected through observation, in-depth interviews, and documentation and were then analyzed using interactive analysis techniques, including data reduction, data presentation, and conclusion drawing. The results show that the service strategy has covered the dimensions of tangibles, reliability, responsiveness, assurance, and empathy, but its implementation has not been fully optimal, particularly in terms of transportation facilities to the airport and service consistency. These findings contribute to the development of studies on service quality and brand image, as well as broaden understanding of service strategies in the Umrah travel industry. The conclusion of the study emphasizes that service quality and consistency play an important role in shaping the company’s image. The practical implication is that the travel agency needs to improve its facilities and overall service quality to strengthen trust, satisfaction, and a positive image among pilgrims.

Analisis Pengaruh Promosi dan Physical Evidence dalam Meningkatkan Minat terhadap Jumlah Siswa Baru pada MIM Tamiang Lembah Melintang Ainil Darti; Yuwarman Mansur
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11071

Although promotion and physical evidence have been widely studied in educational service marketing, studies that specifically analyze the effect of these two variables on public interest in choosing Madrasah Ibtidaiyah Muhammadiyah (MIM) Tamiang Lembah Melintang remain limited. This study aims to analyze the effect of promotion and physical evidence on public interest related to increasing the number of new students at MIM Tamiang Lembah Melintang. This study used a quantitative approach with an explanatory survey design and involved 90 respondents selected through simple random sampling. Data were collected through questionnaires and documentation and were then analyzed using multiple linear regression with the assistance of the Statistical Package for the Social Sciences (SPSS). The results showed that, partially, promotion had no significant effect on public interest, whereas physical evidence had a positive and significant effect on public interest. Simultaneously, promotion and physical evidence had a significant effect on public interest in choosing the madrasah. These findings strengthen the concept of the service marketing mix, particularly the role of physical evidence in shaping public perceptions of the quality of educational services. The conclusion of this study affirms that improving the quality of madrasah facilities and physical environment needs to be a priority in the marketing strategy of educational institutions. The implications of this study include theoretical contributions to the development of educational service marketing studies as well as practical contributions for madrasah administrators in designing more effective marketing strategies to increase public interest and the number of new students.

Analisis Dampak Technological Deficiency terhadap Kinerja Karyawan pada UPK Syariah Tujuah Sarumpun Ampek Angkek Kabupaten Agam Nur Kholilah; Yuwarman Mansur
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11196

The decline in operational performance and membership at UPK Syariah Tujuah Sarumpun, Ampek Angkek Subdistrict, Agam Regency, indicates a problem suspected to be associated with technological deficiency. This study aimed to analyze the impact of technological limitations on employee performance. The study employed a qualitative approach with a descriptive design. Data were collected through observation, semistructured interviews, and documentation and were subsequently analyzed using an interactive model comprising data reduction, data display, and conclusion drawing. The results showed that limited hardware, the absence of integrated software, and the low digital competence of human resources caused administrative processes to remain manually conducted. These conditions adversely affected work-time efficiency, precision and accuracy, service quality, productivity, and employee professionalism. Technological limitations were also associated with a decline in financing realization from 102.20% in 2022 to 65.20% in 2024 and a decrease in the number of members. These findings confirm that technological deficiency negatively affects employee performance and organizational operational effectiveness. This study contributes to the development of research on technology utilization in Islamic microfinance institutions and provides practical implications regarding the need to upgrade technological infrastructure, provide integrated software, improve the digital competence of human resources, establish standard operating procedures, and improve service facilities.

Analisis Strategi Peningkatan Kualitas Pelayanan pada PT. BPRS Jam Gadang Bukittinggi Mia Yolanda; Yuwarman Mansur
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11369

Although service quality in Islamic banking has been widely studied, research specifically analyzing strategies for improving service quality at Sharia Rural Banks based on the five SERVQUAL dimensions remains relatively limited. PT BPRS Jam Gadang Bukittinggi faces several problems, including limited digital services, inadequate physical facilities, and a decline in the number of customers, indicating that its services have not fully met customer expectations. This study aimed to analyze strategies for improving service quality and identify the factors influencing it based on the dimensions of tangibles, reliability, responsiveness, assurance, and empathy. The study employed a qualitative approach with a descriptive design. Informants were selected through purposive sampling and consisted of management personnel, operational staff, and four customers selected based on their experience using the services of PT BPRS Jam Gadang Bukittinggi. Data were collected through direct observation, interviews, and documentation and were subsequently analyzed qualitatively to obtain an in-depth understanding of service conditions. The results showed that service quality was not yet optimal, although various improvement efforts had been undertaken. In the tangibles dimension, service facilities were not fully adequate and were not yet supported by modern banking technology. In the reliability and responsiveness dimensions, the delivery of information and employee responses remained inconsistent, whereas in the assurance and empathy dimensions, challenges persisted in building trust and providing individualized attention to customers. These findings confirm that improving service quality requires an integrated strategy involving infrastructure improvement, digital service development, and enhancement of human resource competencies. This study contributes to the development of research on service quality in Islamic banking and provides practical implications for PT BPRS Jam Gadang Bukittinggi in improving service efficiency, customer satisfaction, and institutional competitiveness.

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