Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
P-Index
This Author published in this journals
All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Income: Innovation Of Economics And Management Indonesian Journal of Innovation Multidisipliner Research
Rini Elvira
Universitas Islam Negeri (UIN) Sjech M. Djamil Djambek Bukittinggi
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Application of SNI ISO 31000:2018 For Mitigating Problematic Murabahah Financing: A Case Study at BSI Lubuk Sikaping Rahmayani Sania; Rini Elvira; Gusrianti Gusrianti; Imamuddin Imamuddin
INCOME: Innovation of Economics and Management Vol. 5 No. 2 (2025): October
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i2.6401

Abstract

 This study aims to formulate a risk management strategy based on SNI ISO 31000:2018 to reduce the number of problematic murabahah financing. The research method used is qualitative with a field research approach. Data collection techniques are carried out through observation, structured interviews, and literature studies. The main informants in this study are the branch managers and the financing risk management department at BSI KCP Lubuk Sikaping. Data were analyzed using a SWOT approach through the IFE (Internal Factor Evaluation) and EFE (External Factor Evaluation) matrices. The results show that BSI KCP Lubuk Sikaping is in quadrant I with an IFE (Internal Factor Evaluation) value of 3.41 and an EFE (External Factor Evaluation) of 3.02, resulting in an SO strategy score of 5.15, the highest compared to other strategies. This indicates that the combination of strengths and opportunities strongly supports an aggressive strategy. The five most relevant SO strategies formulated include: (1) Development of Sharia Financing Products for MSMEs; (2) Digitalization of Risk Management Systems to Support Regional Expansion; (3) Customer-Based Sharia Financial Literacy Program; (4) Improving HR Competence and Accountability in Risk Management; and (5) Strengthening SOPs and Risk Governance Based on SNI ISO 31000:2018. These strategies are expected to reduce the NPF ratio and improve the quality of the murabahah financing portfolio at BSI KCP Lubuk Sikaping.
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.
Strategi Optimalisasi Indeks Kesiapan Digitalisasi Zakat (IKDZ) Pada Badan Amil Zakat Nasional (BAZNAS) Kota Bukittinggi Nur Salsabila; Rini Elvira; Harfandi Harfandi; Rahmi Rahmi
Indonesian Journal of Innovation Multidisipliner Research Vol. 4 No. 3 (2026): Juli - September
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v4i3.1964

Abstract

Artikel ini dilatarbelakangi dengan Indonesia memiliki potensi zakat yang sangat besar mencapai Rp 327 triliun per tahun, namun realisasi penghimpunan baru sekitar 8-13% melalui lembaga pengelola zakat resmi. Salah satu faktor penyebabnya adalah belum optimalnya sistem pengelolaan zakat, termasuk dalam aspek digitalisasi. BAZNAS Kota Bukittinggi memiliki Indeks Kesiapan Digitalisasi Zakat (IKDZ) sebesar 0,67 dari skala optimal 1,00, menunjukkan kategori menengah/moderat dengan gap 0,33 yang perlu ditingkatkan. Penelitian ini bertujuan untuk merumuskan strategi optimalisasi IKDZ pada BAZNAS Kota Bukittinggi. Jenis penelitian adalah kualitatif deskriptif dengan pendekatan studi lapangan. Data dikumpulkan melalui wawancara terstruktur dengan 6 informan yang terdiri dari amil pimpinan dan pelaksana di bidang pengumpulan, pendistribusian-pendayagunaan, dan pelaporan, serta studi dokumentasi. Analisis data menggunakan metode analisis SWOT yang mencakup evaluasi faktor internal (IFE) dan eksternal (EFE), matriks SWOT, dan perumusan strategi. Hasil penelitian menunjukkan nilai IFE sebesar 3,76 dan EFE sebesar 3,32, menempatkan BAZNAS Kota Bukittinggi pada Kuadran I (strategi agresif) dengan skor strategi SO tertinggi 5,82. Lima strategi utama yang dirumuskan adalah: (1)Mengoptimalkan sistem digital (SIMBA, QRIS, website) untuk memperkuat posisi IKDZ;(2)Memperluas kolaborasi strategis dengan lembaga keuangan digital,; (3) Menguatkan transparansi dan kepercayaan publik melalui publikasi laporan keuangan digital; dan (4) Menggunakan sistem cloud untuk mempercepat verifikasi data muzakki dan mustahik; (5) Mengembangkan inovasi layanan zakat digital seperti kalkulator zakat online, mobile zakat app,. Implementasi strategi ini diharapkan dapat meningkatkan IKDZ menuju kategori optimal dan memperkuat BAZNAS sebagai lembaga zakat modern yang amanah, transparan, dan profesional
Co-Authors Gusrianti Gusrianti Harfandi Harfandi Laura Maulina M. Imamuddin Nur Salsabila Rahmayani Sania Rahmi Rahmi Sofia Ridha Yuwarman Mansur