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INDONESIA
ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Published by Lembaga Yasin Alsys
ISSN : 28094484     EISSN : 28094093     DOI : -
Core Subject : Religion, Education, Social,
Religion Education Social Sciences
The journal aims to provide a forum for scholarly understanding of the field of education and plays an important role in promoting the process that accumulated knowledge, values, and skills. Scientific manuscript dealing with education, and science topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, and scientific reviews in education.
Arjuna Subject : Ilmu Sosial - Pendidikan
Articles 788 Documents
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Strategi BMT dalam Mempertahankan Eksistensi Lembaga (Studi Kasus: BMT Nagari Pakan Sinayan) Meisy Andari; Aidil Alfin
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.v6i5.11499

Abstract

The existence of Baitul Maal wat Tamwil (BMT) as an Islamic microfinance institution plays an important role in expanding public access to financing and supporting the economic empowerment of the Muslim community. However, several BMT Agam Madani institutions in Agam Regency have experienced declining performance and have even ceased operations, whereas BMT Agam Madani Pakan Sinayan has remained capable of maintaining its existence. Although the sustainability of BMTs has received attention in several studies, research specifically analyzing institutional survival strategies through a SWOT approach at BMT Agam Madani Pakan Sinayan remains limited. This study aimed to analyze the strategies implemented by BMT Agam Madani Pakan Sinayan to maintain its existence and formulate development strategies based on SWOT analysis. The study employed a qualitative approach with a case study design. Informants were selected through purposive sampling, which was subsequently developed using snowball sampling. Data were collected through semistructured interviews, observation, and documentation and were subsequently analyzed using the interactive model of Miles, Huberman, and Saldaña combined with SWOT analysis. The results showed that the existence of the BMT was maintained through four main strategies: implementing sound management and governance, strengthening cooperation with the nagari government, increasing customer loyalty through high-quality services, and applying prudential principles in financing. The SWOT analysis identified strengths, weaknesses, opportunities, and threats that served as the basis for formulating the institution’s development strategies. These findings confirm that BMT sustainability is determined by sound governance, service quality, institutional partnerships, and prudent financing management. This study contributes to the development of research on the sustainability of Islamic microfinance institutions and provides practical implications for BMT managers and local governments in strengthening governance, optimizing technology utilization, improving service quality, and expanding institutional collaboration.
Analisis Aktivitas Pertambangan Pasir di Korong Ganting Kecamatan Lubuk Alung Kabupaten Padang Pariaman Perspektif Etika Bisnis Syariah Fadilla Turahma; Asyari
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.v6i5.11500

Abstract

Although sand mining activities have been widely studied because they provide economic benefits while potentially causing environmental impacts, research specifically analyzing these practices from the perspective of Sharia Business Ethics at the local community level remains relatively limited. This study aimed to analyze sand mining activities in Korong Ganting, Lubuk Alung Subdistrict, Padang Pariaman Regency, and assess their conformity with the principles of Sharia Business Ethics. The study employed a qualitative approach with a case study design. The research informants consisted of mining business operators, mine workers, the nagari government, and surrounding community members selected through purposive sampling. Data were collected through observation, in-depth interviews, and documentation and were subsequently analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which comprises data condensation, data display, and conclusion drawing and verification. The results showed that sand mining activities had been conducted for approximately fifty years and had become one of the community’s main sources of livelihood. These activities provided economic benefits and helped reduce river sedimentation but had not yet been supported by an administrative recommendation from the nagari government and were still conducted traditionally using simple equipment. From the perspective of Sharia Business Ethics, these mining practices had provided maslahah for the community, but the implementation of the principles of trustworthiness, responsibility, and governance consistent with Sharia values still needed to be strengthened. This study contributes to the development of research on Sharia Business Ethics in natural resource management and provides practical implications for the government and the community in improving mining governance that is responsible, sustainable, and aligned with Sharia principles.
Hubungan antara Kebiasaan Belajar dengan Hasil Belajar Siswa pada Mata Pelajaran PAI di SMKS Pembangunan Bukittinggi Tiya Desmita; Muhiddinur Kamal
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.v6i5.11501

Abstract

Although the relationship between study habits and student learning outcomes has been widely examined, research specifically analyzing the relationship between these two variables in Islamic Religious Education at the vocational high school level remains relatively limited. This study aimed to analyze the relationship between study habits and student learning outcomes in Islamic Religious Education at SMKS Pembangunan Bukittinggi. The study employed a quantitative approach with a correlational design and involved 109 tenth-grade students selected through total sampling. Data were collected using a study habits questionnaire and documentation of Midterm Examination scores in Islamic Religious Education. The data were analyzed using descriptive statistics, prerequisite analysis tests, and Spearman’s rank correlation test. The results showed a positive and significant relationship between study habits and student learning outcomes, with a correlation coefficient of 0.724, which was categorized as strong, and a significance value of 0.001 < 0.05. The coefficient of determination showed that study habits contributed 52.42% to learning outcomes, while the remaining 47.58% was influenced by other factors outside the scope of the study. These findings confirm that regular and disciplined study habits play an important role in improving student learning outcomes. This study contributes to the development of research on Islamic Religious Education and provides practical implications for teachers, schools, parents, and students in developing effective study habits to improve learning outcomes. Future research is recommended to examine other factors influencing learning outcomes using broader geographical coverage and larger samples.
Analisis Segmenting, Targeting, dan Positioning (STP) Tabungan Haji pada Bank Nagari Cabang Ujung Gading, Pasaman Barat, Sumatera Barat Rahma Alya; Rahmi Isriani
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.v6i5.11537

Abstract

The segmenting, targeting, and positioning (STP) marketing strategy is an important approach to enhancing the competitiveness of Islamic banking products, including Hajj savings. Although the STP strategy has been widely examined in the field of marketing, research on its implementation in the Tahari Mabrur Hajj Savings product at Bank Nagari Ujung Gading Branch remains limited. This study aimed to analyze the implementation of segmenting, targeting, and positioning strategies and to identify constraints in marketing the Tahari Mabrur Hajj Savings product at Bank Nagari Ujung Gading Branch. The study employed a qualitative approach with a descriptive field study design. Informants were selected through purposive sampling and included the Deputy Branch Manager, marketing staff, and Tahari Mabrur Hajj Savings customers. Data were collected through observation, semi-structured interviews, and documentation and were subsequently analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which included data reduction, data display, and conclusion drawing. The results showed that Bank Nagari Ujung Gading Branch had implemented the STP strategy, but its implementation had not yet been optimal. The segmenting strategy was still dominated by geographic and demographic segmentation, whereas psychographic and behavioral segmentation had not been utilized optimally. The targeting strategy was directed toward Muslim communities with the financial capacity and intention to perform the Hajj pilgrimage, whereas the positioning strategy was developed through the image of a product that is secure, reliable, and compliant with Sharia principles. The main constraints in product marketing included limited promotional media, suboptimal market segmentation, and increasing competition among financial institutions. These findings extend the application of the STP concept in the context of Islamic banking marketing and emphasize the importance of developing more effective market segmentation and promotional media. In practical terms, the results can serve as a basis for Bank Nagari Ujung Gading Branch in formulating a more focused and competitive marketing strategy for the Tahari Mabrur Hajj Savings product that is aligned with the characteristics of prospective customers.
Pengaruh Debt to Equity Ratio dan Sales Growth terhadap Net Profit Margin pada Perusahaan Ritel Terdaftar di ISSI Periode 2021-2025 Reihan Fajri Ihsan; Gina Havieza Elmizan
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.v6i5.11540

Abstract

Profitability is an important indicator for assessing a company’s financial performance and sustainability; however, studies examining the effects of the Debt to Equity Ratio (DER) and Sales Growth on the Net Profit Margin (NPM) of retail-sector companies listed on the Indonesia Sharia Stock Index (ISSI) during the 2021–2025 period remain limited. This study aimed to analyze the effects of DER and Sales Growth, both partially and simultaneously, on NPM. The study employed a quantitative approach with a causal design. The study population comprised retail-sector companies listed on the ISSI during the 2021–2025 period, while the sample consisted of 11 companies with 55 observations selected through purposive sampling. Secondary data were obtained from the companies’ annual financial statements and analyzed using panel data regression with the Fixed Effect Model (FEM) through EViews 13 software. The results showed that DER had a negative and significant effect on NPM, whereas Sales Growth had a positive and significant effect on NPM. Simultaneously, DER and Sales Growth had a significant effect on NPM. These findings provide empirical evidence for the development of Trade-Off Theory and the Theory of the Growth of the Firm in explaining the relationships among capital structure, sales growth, and corporate profitability. This study emphasizes that increasing the profitability of retail-sector companies requires prudent capital structure management and the optimization of sales growth. In practical terms, the results can serve as a consideration for management in formulating financing policies and sales strategies that support improved financial performance. Future research should consider other financial variables and expand the scope of companies and observation periods to obtain more comprehensive findings.
Analisis Faktor Konvensional & Syariah yang Melandasi Penggunaan Akuntansi Digital di UMKM Kecamatan Perhentian Raja Kabupaten Kampar Natasya Deri Liana; Gina Havieza Elmizan
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.v6i5.11541

Abstract

The use of digital accounting by micro, small, and medium enterprises (MSMEs) plays an important role in improving the efficiency and quality of financial management. However, studies integrating conventional factors based on the Technology Acceptance Model (TAM) with Sharia factors based on Maqashid Sharia in explaining the use of digital accounting by MSMEs remain limited. This study aimed to analyze the conventional and Sharia factors underlying the use of digital accounting by MSMEs in Perhentian Raja Subdistrict, Kampar Regency. The study employed a qualitative approach with a descriptive design and involved 13 MSME actors selected through purposive sampling, incidental sampling, and saturated sampling. Data were collected through in-depth interviews, observation, and documentation and were subsequently analyzed using thematic analysis. The results showed that most MSME actors still used manual financial recordkeeping, and only a small proportion had adopted digital accounting. The conventional factors underlying the use of digital accounting included perceived usefulness, perceived ease of use, facilitating conditions, and price value. In addition, Sharia factors, particularly the principle of hifzh al-maal in Maqashid Sharia, were also considered in the use of digital accounting, especially in relation to data security, transparency, and the protection of business assets. These findings extend the study of technology adoption by integrating the TAM and Maqashid Sharia perspectives within the context of MSME financial management. In practical terms, the results emphasize the importance of training, assistance, and the development of digital accounting applications that are easy to use, secure, and aligned with the needs of Sharia-based MSMEs by the government, MSME support institutions, and application developers.
Peran Strategi Pemasaran dalam Memoderasi Pengaruh Gaya Hidup dan Kualitas Produk terhadap Keputusan Pembelian Kopi pada Mahasiswa di Kota Semarang Tomy Ledianto; Siti Sumiati
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.v6i5.11567

Abstract

The increasing consumption of coffee among university students has made coffee shops not only places to enjoy beverages but also part of their lifestyle. However, studies examining the role of marketing strategy in moderating the effects of lifestyle and product quality on coffee purchasing decisions among university students remain limited. This study aimed to analyze the effects of lifestyle and product quality on purchasing decisions, with marketing strategy as a moderating variable, among university students in Semarang City. The study employed a quantitative approach with a verificative design and involved 100 respondents selected through purposive sampling, with the criterion that they had purchased products from coffee shops at least twice. Data were collected using a Likert-scale questionnaire and analyzed through Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results showed that lifestyle and product quality had positive and significant effects on purchasing decisions. Marketing strategy was also found to strengthen the effects of lifestyle and product quality on purchasing decisions; therefore, all research hypotheses were accepted. These findings confirm that university students’ purchasing decisions are determined not only by lifestyle and product quality but are also strengthened by the implementation of effective marketing strategies through promotion, venue comfort, and marketing communication aligned with consumer characteristics. Therefore, coffee shop operators need to integrate an understanding of consumer lifestyles, improvements in product quality, and the implementation of appropriate marketing strategies to encourage purchasing decisions.
Kepemimpinan Kepala Sekolah dan Kinerja Guru Honorer Sekolah Dasar: Tinjauan Literatur Integratif Romi Oriza
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.v6i5.11570

Abstract

Honorary teachers play an important role in maintaining the continuity of primary education services, but their performance remains vulnerable because of limited compensation, uncertain employment status, unequal access to professional development, and the organizational climate of schools. Meanwhile, evidence regarding leadership mechanisms specifically relevant to honorary primary school teachers remains fragmented and more limited than research on teachers in general. This review aimed to synthesize the roles and strategies of school principal leadership in strengthening the performance of honorary teachers. The study employed an integrative literature review method through structured searches of Google Scholar, Garuda, DOAJ, Crossref, and publisher websites. A total of 21 substantive articles and two methodological references were analyzed through data extraction, thematic coding, comparison of findings, and interpretive synthesis. The review identified five main leadership mechanisms, namely clarifying work direction and expectations, implementing developmental academic supervision, providing motivational support and recognition, facilitating competency development, and creating a fair and participatory work climate. The effectiveness of these five mechanisms was determined by implementation consistency, communication quality, leaders’ exemplary conduct, proportional task allocation, and follow-up evaluation. However, because most of the analyzed studies employed correlational or qualitative designs and did not specifically focus on honorary teachers, the findings cannot be interpreted as uniform causal evidence. This review concluded that instructional, transformational, participatory, and humanistic leadership should be integrated through needs-based development, continuous supervision, equitable access to professional development, and transparent recognition systems. These findings contribute to the development of educational leadership research and provide practical implications for school principals in designing fairer, more supportive, and performance-oriented management strategies for honorary teachers.
Pengaruh Keputusan Investasi dan Leverage terhadap Kinerja Keuangan pada Perusahaan Manufaktur yang Terdaftar di Bursa Efek Indonesia Nur Aliza; Aminar Sutra Dewi
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.v6i5.11584

Abstract

Changes in economic conditions and industrial competition require manufacturing companies to maintain their financial performance through appropriate investment decisions and debt management. However, previous studies have shown mixed results regarding the effects of these two factors on corporate profitability. This study aimed to analyze the effects of investment decisions and leverage on the financial performance of manufacturing companies listed on the Indonesia Stock Exchange during the 2019–2023 period. The study employed a quantitative approach with an explanatory design and panel data analysis. The sample consisted of 53 companies selected through purposive sampling, resulting in 265 observations. Data were collected from annual financial statements and analyzed using panel data regression with EViews 12. Investment decisions were proxied by the Price Earnings Ratio, leverage by the Debt to Equity Ratio, and financial performance by Return on Assets. The results showed that investment decisions had a negative and significant effect on financial performance, whereas leverage had a negative but insignificant effect. These findings broaden the understanding of signaling theory and financing structure by demonstrating that increases in investment and debt indicators are not always accompanied by increased profitability. This study emphasizes the importance of appropriate investment selection and debt management aligned with a company’s financial capacity to maintain sustainable financial performance.
Persepsi Risiko dan Kesesuaian Syariah dalam Aktivitas Trading Forex Generasi Z: Analisis Pengaruh Konten Influencer Yasir Basavey; Ashlihah; Bekti Widyaningsih
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.v6i5.11591

Abstract

Although forex trading, financial technology, and social media have been widely studied, research specifically integrating risk perception, Sharia compliance, and the influence of influencer content on Generation Z’s trading behavior remains limited. This study aims to analyze Generation Z’s understanding of forex trading risks, examine the role of influencer content in shaping their perceptions, and explore the relationships among influencer content consumption, risk perception, Sharia considerations, and trading decision-making. The study employed a qualitative approach with a descriptive case study design involving four Generation Z informants selected through purposive sampling. Data were collected through in-depth interviews and documentation and were subsequently analyzed using Miles and Huberman’s interactive analysis model. Data credibility was assessed through source and technique triangulation. The findings indicate that the informants’ understanding of risk developed through empirical experience encompassing financial, psychological, and Sharia dimensions. Influencer content shaped initially optimistic perceptions of forex trading, but its influence diminished as experience increased, leading the informants to become more critical in verifying information. Trading decisions were formed through the interaction among exposure to influencer content, risk perception, and considerations of Sharia compliance. These findings broaden the understanding of Generation Z’s financial behavior in the digital era and contribute to the development of Islamic Behavioral Finance studies. This study emphasizes the importance of financial literacy, critical thinking skills, and an understanding of Sharia principles in promoting more responsible trading decisions. The implications of this study are directed toward strengthening Islamic financial literacy by educational institutions, regulators, and digital content creators, as well as developing further research involving a broader range of informants and digital investment platforms.

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