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BORJUIS (JURNAL OF ECONOMY)
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 3030931X     DOI : Zenodo
Core Subject :
BORJUIS: JURNAL OF ECONOMY adalah jurnal yang menerbitkan hasil penelitian, baik kajian teori maupun lapangan, baik secara umum maupun secara khusus yang berkaitan dengan bidang ekonomi, bisnis, manajemen, akuntansi, perbankan dan bidang-bidang lainnya yang dianggap relevan dengan ruang lingkup dari bidang kajian tersebut.
Arjuna Subject : -
Articles 159 Documents
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ASPEK ETIKA DALAM PENGGUNAAN KECERDASAN BUATAN (AI) DALAM LAYANAN PERBANKAN SYARIAH Anggi Dwi Larah; Nabila Safutri Siregar, Tasya Salsabila, Ma’arif Noer Lubis, Nurbaiti
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
Publisher : Adisam Publisher

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Abstract

The emergence of Artificial Intelligence (AI) technology or what we usually call artificial intelligence is one of the new developments that can emerge from the Industrial Revolution 4.0, the fourth industrial transformation which is characterized by rapid technological development and interconnectivity. between technological development and its use. This research aims to examine the challenges and opportunities of AI in the banking sector. This type of research uses a qualitative approach and is descriptive in nature. Using the literature study method, research data was collected from relevant publications, journals and papers. Relevant literary papers were collected and presented as part of the data analysis process. The findings of this research show that AI has an important role in the development of banking in Indonesia, especially in the field of open banking, which is replacing closed banking. Four main areas 1) Data; 2) Human Resources; 3) Ethics and Regulation; and 4) Research and Innovation is where AI problems and potential are discovered.
ANALISIS STRATEGI PELAYANAN JAMA’AH HAJI KANTOR KEMENTERIAN AGAMA KABUPATEN SOLOK SELATAN Fajril Wahdi; Ariyun Anisah, Jon Konedi, Rusdi Fauzan
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
Publisher : Adisam Publisher

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Abstract

This research is motivated by the unsatisfactory service provided by the PHU Section of the Office of the Ministry of Religion in Solok Selatan district. The problem is the lack of resources in managing administration, inadequate facilities such as weak internet network, and scattered congregational documents. The research objective is to find out how the service strategy is implemented in the Office of the Ministry of Religion of South Solok Regency. This type of research is field research that is qualitative in nature, data collection techniques are carried out through interviews, observation, and documentation, the data that has been collected is then analyzed following the stages of data collection, data reduction, data presentation, and the final stage is drawing conclusions. The results of this study indicate that the Office of the Ministry of Religion of South Solok Regency has carried out services in accordance with the service concept, namely attitude, attention, action, ability, appearance, accountability. Apart from that the strategy implemented is to provide good, comfortable, transparent, and free service as well as the ability to understand the character of each jama'ah, through providing comfort and providing valid information, is one form of service performed, besides that attitude friendly and polite, and responsibility is one of the strategies in providing services to prospective pilgrims.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN KONSUMEN DALAM MENGGUNAKAN PRODUK KEUANGAN SYARIAH Fiska Handayani Putri; Randa Kurnia R, Nur Jannah Hasibuan, Dwi Imanda, Rudi Ardiansyah, Anggia Lorenza, Syifa Mahira
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
Publisher : Adisam Publisher

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Abstract

Consumer decisions, analyzed through marginal utility theory, consumer satisfaction, and consumer purchasing decision models, involve the steps in purchasing a product or service. Theories such as involvement bonds, anticipation and social position, consumer behavior, attitude formation, personal factors, social comparison, and family purchasing decisions enrich the understanding of consumer decision dynamics. In the context of Islamic financial products, factors such as religion, belief, comfort, knowledge and economic aspects play a role. Religious beliefs encourage the choice of sharia products, while satisfaction and service quality maintain consumer loyalty. Financial knowledge and education increases consumer awareness of sharia products, while economic factors such as prices and costs influence consumer decisions. Effective promotion and marketing supports consumer awareness and interest in Islamic financial products, enables financial institutions and marketers to design effective strategies, meets consumer needs, and supports the growth of the Islamic financial industry.
ANALISIS PERILAKU NASABAH DALAM PENGGUNAAN PRODUK KEUANAGAN SYARIAH Ananda Ihsan Alfajar; Fito Patrio, Lailatul Rahmi, Melia Gustina, Muji Rahayu, Mutia Husna, Nada Lilis Fadilah
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
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This research uses a literature study method to analyze customer behavior in using sharia financial products at Sharia Banks. The literature study approach involves analyzing various written sources such as academic journals, books, articles, and related official documents. The research results show. Sharia financial products that are often used involve sharia insurance, sharia securities, sharia shares, and sharia deposits. Sharia insurance or takaful offers financial protection according to sharia principles. Sharia securities such as sukuk and sharia shares provide investment alternatives according to sharia principles. Sharia deposits, with the principle of profit sharing, provide an attractive option for customers who want to save and invest their funds. The main advantages of Islamic financial products involve  compliance  with sharia  principles, fairness, participation in tabarru' programs, and investment alternatives in accordance with Islamic values. As a result, this research makes an important contribution to understanding and increasing the acceptance of Islamic financial products in society
MENERAPKAN MANAJEMEN PERUBAHAN DAN MENGHADAPI PERSAINGAN ERA SOCIETY 5.0 DALAM PT. UNILEVER Nabila Alodia; Jumawan, Hadita, Karina Rachmawati, Bunga Nur Kaunaini, Enjelya Peronika Lumban Toruan, Prayuda Putr
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
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Abstract

The era of Society 5.0 brought great changes in human life around the world. This change is marked by the rapid introduction of information and communication technology aflecting many aspects of people's lives, including the way we work and the way we work, interact to what we buy. In this research method, the author uses qualitative research strategies in evaluating journal literature. The chain of events method uses legitimate journals, e-books, medical books, and websites. The data collected in the study will then be interpreted a series of notes by downloading newspapers published on Google Schooler and legitimate news sites. In anticipation of changes in shopping patterns that are now completely online, Unilever Indonesia has given birth to many innovations in the digital field such as: Unilever Home Delivery, an increasingly strong presence in the e-commerce channel, services to answer consumer needs at a professional level through Unilever Professional, and the launch of the Sahabat Warung application to help stall merchant partners to stay healthy, safe and able to continue selling. In this context, eflective leadership is the key to success in managing the change process.
ANALISIS PENGARUH FASILITAS DAN AKSESIBILITAS TERHADAP KEPUASAN WISATAWAN DI DESTINASI KAPALO BANDA TARAM KABUPATEN LIMA PULUH KOTA Fauzan Ibnu Anugrah; Amsah Hendri Doni
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
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Abstract

This research aims to identify and analyze the effects of facilities (X1) on tourist happiness (Y), the effects of accessibility (X2) on tourist happiness (Y) and the effects of facilities (X1), accessibility (X2) simultaneously on tourist happiness (Y) at the Kapalo Banda Taram tourist destination, 50 Kota Regency. The type of research used in this research is quantitative descriptive research with a quantitative approach and a type of field research using a questionnaire and the number of research illustrations is 100 respondents. The research method used to continue this research uses a quantitative research method with a descriptive approach. By using elasticity in this research is free elasticity (facilities and accessibility) to limited elasticity (happiness). The results of this research are through multiple linear regression analysis proving that there is a significant effect on facilities and accessibility at the Kapalo Banda Taram destination, 50 Kota Regency.
ANALISIS PENGARUH PAJAK HOTEL DAN PAJAK RESTORAN TERHADAP PENDAPATAN ASLI DAERAH KOTA PAYAKUMBUH Mimi Mimi; Amsah Hendri Doni
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
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Dampak pajak hotel dan restoran inilah yang mendorong dilakukannya penelitian ini. Individu dan badan sama-sama wajib membayar pajak, yang mengikat secara hukum dan tunduk pada penegakan hukum. Dampaknya tidak langsung terlihat, namun negara memanfaatkannya dengan baik bagi warganya. Pemerintah negara bagian mengandalkan pendapatan pajak untuk mendanai berbagai program dan layanan yang berkontribusi terhadap kesejahteraan umum warganya. Penelitian ini bertujuan untuk mengukur dampak pajak hotel terhadap PAD (Pendapatan Asli Daerah) Kota Payakumbuh. Penelitian ini menggunakan teknik deskriptif dan induktif untuk menganalisis data. Penelitian menghasilkan persamaan regresi linear berganda berikut ini: Y=29565, 452 + 0,019 X1 - 0,91X2. Pada α=0,05 uji hipotesis secara simultan menghasilkan tingkat signifikansi sebesar 003 atau Nilai Fhitung sebesar 3,464 mempunyai nilai yang lebih tinggi dibandingkan dengan nilai Ftabel sebesar 2,96. Nilai gabungan R-squared sebesar 0,633 menunjukkan reliabilitas sebesar 63,3%. Pajak yang dipungut oleh hotel dan restoran menyumbang 63,3% dari keseluruhan pendapatan yang dihasilkan di wilayah tersebut, sedangkan sumber lain yang belum diteliti menyumbang 36,7 persen sisanya.
REALISASI DANA ALOKASI UMUM DAN PENGARUHNYA TERHADAP PERTUMBUHAN EKONOMI DAERAH RIAU PERIODE 2018-2021 Ayu Waningsih; Arttika Rahma Sari
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
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Economic growth at the regional level is a complex phenomenon influenced by various factors. The General Allocation Fund (DAU) has a central role in supporting economic development in Riau Province, which is rich in natural resources, especially oil and gas. This research aims to reveal the realization of Riau Province's DAU for the 2018-2021 period and analyze its influence on regional economic growth. The research method uses a quantitative approach with secondary data from the Riau Central Statistics Agency (BPS). Descriptive analysis, classical assumption test, t-test, and simple linear regression were used to analyze the data. The research results show that DAU realization experienced a significant decline during this period. In 2021, there will be a decrease in allocations, possibly due to the impact of the pandemic and changes in national policy. However, the results of the hypothesis test show that DAU does not have a significant effect on the economic growth of Riau Province. The conclusion of this research is that the effectiveness of DAU management needs to be re-evaluated. Although DAU provides substantial financial support, new strategies for using these funds need to be considered to achieve more optimal economic growth. These findings can be the basis for improving policies at the regional level to increase the contribution of DAU to the economic development of Riau Province.
PERAN USAHA MIKRO, KECIL DAN MENENGAH DALAM MENINGKATKAN PENDAPATAN MASYARAKAT DI DESA JONGKONGKIRI TENGAH PERSPEKTIF EKONOMI ISLAM Herry Ardiyansyah
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
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In order to fulfill life's needs in order to be prosperous, people who have the ability and are keen to see their own potential and are able to identify the environment, can find opportunities and open up business opportunities for the community. Efforts made to fulfill living needs include micro, small and medium enterprises (MSMEs). The existence and survival of micro, small and medium enterprises is also influenced by internal factors, namely economic motives and external factors, namely the environment and economic habitat in which a person or a community lives in carrying out its economic life. With the role of Micro, Small and Medium Enterprises around Jongkong District, it can indirectly overcome the problem of unemployment in Jongkong Kiri Tengah Village, especially Jongkong District and have an impact on the level of economic welfare of the community. This research uses qualitative research with a descriptive approach. The object of this research is Fish Crackers which is a micro, small and medium enterprise in the area. Data collection techniques and tools through interviews, observation and documentation. Data analysis includes data collection, data reduction, data presentation, and drawing conclusions. The results of this research show that micro, small and medium enterprises in Jongkong Kiri Tengah Village are experiencing positive development, both from the number of Small and Medium Enterprises increasing or from the community's income becoming better. the role of micro, small and medium enterprises in Jongkong Kiri Tengah village through the fish cracker MSME business, namely: a) having the same method in managing fish crackers, b) making crackers is done traditionally with several stages, namely preparing ingredients, making dough, steaming/boiling, cutting crackers, drying/drying and packaging/packing. c) improving community welfare, including reducing the number of unemployed in Jongkong Kiri Tengah Village. d) the role of Micro, Small and Medium Enterprises in increasing people's income in Jongkong Kiri Tengah Village from an Islamic Economics perspective, namely having benefits for the lives of many people to fulfill their needs for worship, food, drink, clothing, shelter and other things which are a form of maintaining the soul of the community.
PENGELOLAAN BANTUAN EKONOMI BAGI ANAK YATIM MELALUI PROGRAM KANTOR URUSAN AGAMA DI KECAMATAN JONGKONG KABUPATEN KAPUAS HULU Arif Fahrudin; Vera Susanti
BORJUIS: JURNAL OF ECONOMY Vol. 1 No. 1 (2023): BORJUIS: JOURNAL OF ECONOMY
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Abstract

This research is motivated by realizing ourselves as caliphs of Allah, in fact there is not a single human being in this world who does not have a "position" or "position". Other worldly positions are actually an elaboration of the main position as khalifatullah. If someone realizes that his worldly position is an elaboration of his position as khalifatullah, then no human being will misuse his position. So that no one person will commit any deviations while he is in office. Man's position as caliph is a mandate from Allah. Worldly positions, for example those given by our superiors, or those given by fellow humans, are a mandate from Allah, because they are the description of khalifatullah. Objective: This research is to determine the management of economic assistance for orphans through the Religious Affairs Office program in Jongkong District, Kapuas Hulu Regency. Method: This research was conducted using a qualitative descriptive method with an inductive approach. Data sources used in this research include informants, researchers, and documents related to the research object. Data collection techniques used moderate participant observation, semi-structured interviews and documentation. Management of aid for orphans at the Jongkong District Religious Affairs Office (KUA) consists of three processes, namely: planning, direction and supervision. Planning includes systems, open management, clear work plans, publication, and continuous improvement, while in direction, everything is always discussed first, so that what we do is in line with the goals that have been set. The Office of Religious Affairs (KUA) always holds evaluation meetings with the aim of finding out the problems experienced by the management both in collecting aid funds and in distributing aid funds. In supervision, the policies taken by the head of the Office of Religious Affairs (KUA) regarding the management of the orphan aid program are always properly supervised, which means that as head of the management, he always monitors or supervises the progress of aid for orphans until the aid reaches the goal of the aid program, welfare for the people. orphans.

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