Jurnal Perspektif Ekonomi Darussalam
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ANALISIS MANAJEMEN PEMBIAYAAN KOPERASI JASA KEUANGAN SYARIAH DI BAITUL MAAL WAT TAMWIL MITRA DANA SYARIAH TEMANGGUNG
No full textThis study aims to analyze the management of Islamic financing in BMT Mitra Dana Syariah Temanggung and provide strategic insights that can help sharia financial institutions understand challenges, take advantage of opportunities and increase resilience to face the complex dynamics in the Islamic finance industry. The type of research conducted uses qualitative type with the object in this study is BMT Mitra Dana Syariah Temanggung, and the data collection technique used is a guided interview technique conducted with the leadership of BMT Mitra Dana Syariah Temanggung. The results of the study found that Islamic financing management at BMT Mitra Dana Syariah Temanggung has a good role in retaining its members. By using SWOT analysis (Strengths, Weaknesses, Opportunities, Threats), BMT Mitra Dana Syariah Temanggung can analyze factors such as utilizing and developing strength factors in compliance with sharia principles, looking for solutions in reducing weakness factors in risk management that need to be strengthened, utilizing opportunities by developing and innovating the products they own, and understanding the threats so that they can mitigate risks or problems both from the institution and from its members that might occur. The implications of the results of this research not only have the potential to provide a theoretical contribution to the sharia finance literature, but also offer practical guidance for management decision making in improving and sustaining Islamic financing institutions
Pengaruh Entrepreneur Knowlodge, Entrepreneurial Mindset dan Kecenderungan Pengambilan Risiko Terhadap Minat Wirausaha Pada Generasi Muda
No full textEvery year many students graduate from state or private universities which are not matched by adequate job opportunities, so the government is trying to optimize the young generation so they can create their own jobs through entrepreneurship. Therefore, the role of the younger generation needs to be grown and improved optimally so that this research aims to analyze entrepreneurial knowledge, entrepreneurial mindset and risk-taking tendencies as independent (exogenous) latent variables on entrepreneurial interest as a dependent (endogenous) latent variable. This research is specifically aimed at the younger generation, especially students who are in the millennial generation and generation Z range, using descriptive quantitative methods to see causality between variables and to test the hypotheses that have been established. The sample was determined using the Purposive Sampling technique, totaling 312 people and this research used path analysis with the Structural Equation Modeling-Partial Least Square (SEM-PLS) approach to test the relationship between latent variables and the relationship between latent variables and their construct indicators. The results of the research show that entrepreneurial knowledge, with a P-Value of 0.002 0.005, entrepreneurial mindset P-Value of 0.000 0.005 and risk-taking tendencies with a P-Value of 0.000 0.005 on entrepreneurial interest which means that Ha is accepted for each variable and has a positive impact and significant. The greater the variables of entrepreneurial know-how, entrepreneurial mindset and risk-taking tendencies, the greater the interest in entrepreneurship among the younger generation
FAKTOR-FAKTOR YANG MEMENGARUHI PENINGKATAN WAKAF TUNAI DI BANK SYARIAH INDONESIA KOTA BANDA ACEH
No full textCash Waqf is a type of productive waqf innovation that can be developed and managed flexibly in the Islamic economic and financial sectors. However, the increase in cash waqf collected in Indonesia in general and Banda Aceh in particular is still far from its potential. There are many influencing factors, both internally and externally. For example product constraints, digital marketing and religiosity which are very dominant. The purpose of this study was to determine the effect of price, digital promotion and religion on increasing cash waqf at Bank Syariah Indonesia, Banda Aceh City. In this study, the samples were Bank Syariah Indonesia Banda Aceh customers, totaling 105 respondents. Data collection was carried out through a questionnaire. The sampling technique used was purposive sampling. Data analysis method using multiple linear regression analysis to measure the influence between variables. The results showed that the effect of price, digital promotion and religion simultaneously had a positive and significant effect on increasing cash waqf. Religious knowledge and media access are also factors that influence, either partially or simultaneously, perceptions of cash among the people of Banda Aceh City. However, participation in social/religious organizations sometimes does not have a significant effect.Keywords: Product, Cash Waqf, Religiosity, Digital MarketingAbstrakWakaf Uang adalah salah satu jenis inovasi wakaf produktif yang dapat dikembangkan dan dikelola secara fleksibel di sektor ekonomi dan keuangan syariah. Namun, peningkatan wakaf tunai yang terkumpul di Indonesia secara umum dan Banda Aceh secara khusus masih jauh dari potensinya. Faktor-faktor yang mempengaruhi sangat banyak, baik secara internal dan eksternal. Misalnya kendala produk, pemasaran digital dan religiusitas yang sangat dominan. Tujuan dari penelitian ini adalah untuk mengetahui sejauh mana pengaruh harga, promosi digital dan religi terhadap peningkatan wakaf tunai di Bank Syariah Indonesia, Kota Banda Aceh. Dalam penelitian ini yang menjadi sampel adalah nasabah Bank Syariah Indonesia Banda Aceh yang berjumlah 105 responden. Pengumpulan data dilakukan melalui kuesioner. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Metode analisis data yang menggunakan analisis regresi linier berganda untuk mengukur pengaruh antar variabel. Hasil penelitian menunjukkan bahwa pengaruh harga , promosi digital dan religi secara simultan berpengaruh positif dan signifikan terhadap peningkatan wakaf tunai. Pengetahuan agama dan akses media juga menjadi faktor yang mempengaruhi, baik secara parsial maupun simultan, persepsi tentang uang tunai di kalangan masyarakat Kota Banda Aceh. Namun, partisipasi dalam organisasi sosial/keagamaan terkadang tidak memberikan pengaruh yang signifikan.Kata kunci: Produk, Wakaf Tunai, Religiusitas, Pemasaran Digita
Womens Labor Participation Determinants in the Sub-National Level: Case Study of Aceh-Indonesia
Full text linkThis study aims to determine the factors that influence womens labor force participation at the sub-national level, taking the Province of Aceh, Indonesia, as a case study.This is an essential issue because it addresses SDGs?? And can promote economic growth.The variables in this study include marital status, age, education level, wealth, living in a village or city, status as head of a female household, female unemployment rate, economic growth, Regional Minimum Wage,absolute poverty level, and type of work. and gender equality and work participation. In this study, the authors used a logistic regression method withsurveydatafromTheSusenasAceh 2019.The results showed that the factors that affect women's work participation in Aceh Province according to the data can be concluded that marital status, age, education level, wealth, residence, status of female household heads, women's unemployment rate, economic growth, absolute poverty, type of work, and gender equality significantly affect the variable women's participation in work in Aceh Province.The government is expected to increase the level of education for women in the province of Aceh, especially in rural areas, to increase women's work participation and promote increased economic growth in Aceh Province
PENGARUH NILAI TAKSIRAN, KUALITAS PELAYANAN DAN LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN NASABAH MENGGUNAKAN JASA GADAI DI KANTOR CABANG PEGADAIAN SYARIAH BLANG PIDIE
No full textThe purpose of this study is to investigate the impact of estimated value, service quality, and Islamic financial literacy on customer decisions to use pawn services at the Blang Pidie Sharia Pawnshop Branch Office. The information in this study is derived from primary data collected through the distribution of questionnaires. The Slovin method was used to obtain a total sample of 97 respondents for this study using a purposeful sampling technique. The data is then analyzed using multiple linear regression methods. The findings revealed that the estimated value, quality of service, and Islamic financial literacy all had a simultaneous effect on customer decisions to use pawn services at the Sharia Pawnshop Blang Pidie Branch Office. Customers' decisions to use pawn services at the Branch Office of Blang Pidie Sharia Pawnshop are influenced positively by partially variable estimated value, quality of service, and Islamic financial literacy. Islamic financial literacy is the most influential variable. The implications are that Sharia pawnshops have a good opportunity in the world of Islamic finance, and it is expected that sharia pawnshops will be able to increase the estimated value, quality of service, and improve customer financial literacy, as well as foster a sense of public trust in Sharia pawnshops to conduct pawn transactions
KOMPETENSI DAN BUDAYA ORGANISASI, SERTA PENGARUHNYA TERHADAP KINERJA PEGAWAI BADAN PERENCANAAN PEMBANGUNAN DAERAH (BAPPEDA) KABUPATEN ACEH TAMIANG
No full textPenelitian ini bertujuan untuk menguji pengaruh kompetensi dan budaya organisasi terhadap kinerja pegawai BAPPEDA Kabupaten Aceh Tamiang. Sampel ditentukan dengan menggunakan teknik sampel jenuh yaitu berjumlah 42 orang. Metode analisis data yang digunakan adalah analisis regresi linier berganda, uji t (parsial), uji F (simultan) dan koefisien determinasi. Persamaan regresi yaitu Y = 2,150 + 0,336 X1 + 0,356 X2. Konstanta bernilai 2,150 mengandung arti bahwa kinerja apabila kompetensi dan budaya organisasi bernilai tetap maka kinerja sebesar 2,150. Hasil uji t diketahui kompetensi bernilai signifikan 0,010 0,05, yang mengandung arti kompetensi berpengaruh signifikan terhadap kinerja. Budaya organisasi bernilai signifikan 0,027 0,05, yang artinya budaya organisasi berpengaruh signifikan terhadap kinerja. Uji F menunjukan bahwa nilai sebesar 7,332 dengan nilai F. sig 0,002 0,05, yang artinya kompetensi dan budaya organisasi berpengaruh positif dan signifikan secara bersama-sama terhadap kinerja pegawai BAPPEDA Kabupaten Aceh Tamiang. Hasil uji koefisien determinasi (adjusted R square) diperoleh hasil 0,236 atau 23,6%, hal ini berarti kompetensi dan budaya organisasi mempengaruhi kinerja sebesar 23,6% sedangkan sisanya 76,4% dipengaruhi oleh variabel lain yang berbeda dari penelitian ini
DAMPAK PROGRAM PEMBANGUNAN PERUMAHAN DAN KARAKTERISTIK DEMOGRAFI TERHADAP KEPUTUSAN PENGUNGSI MENINGGALKAN BARAK: STUDI KASUS TSUNAMI 2004
No full textPost-tsunami housing reconstruction after the 2004 tsunami becomes the most challenging sector, with almost 130,000 houses built within 4 years across Aceh province, the worst affected region. This paper examines the impact of the program and demographic characteristics of on the decision of Internally Displace Persons (IDPs) to leave temporary living centres. Propensity Score Matching model was employed using two sources of data, the population census of Aceh and Nias post-tsunami 2005 and the villages potential statistics 2005. Results of the study reveal that households received new houses tend to leave earlier temporary shelters. The study also finds that the treatment effects vary across tsunami-affected districts. The findings contribute to better government policies for housing reconstruction in post-disaster recovery programs
PENGARUH INDEKS PEMBANGUNAN MANUSIA DAN TINGKAT PENGANGGURAN TERBUKA TERHADAP KEMISKINAN DI ACEH
No full textPenelitian ini bertujuan untuk mengetahui pengaruh Indeks Pembangunan Manusia (IPM) dan Tingkat Pengangguran Terbuka (TPT) terhadap angka kemiskinan di Provinsi Aceh. Penelitian ini menggunakan data sekunder yang diperoleh dari Badan Pusat Statistik (BPS) Aceh. Metode yang digunakan adalah model Panel Random Effect tahun 2011-2019 untuk 23 kabupaten/kota di Aceh. Hasil penelitian menunjukkan bahwa IPM dan TPT berpengaruh negatif dan signifikan terhadap kemiskinan di Aceh. Oleh karena itu, pemerintah perlu memverifikasi data persentase pengangguran berdasarkan alamat dan mendorong lebih banyak pengangguran untuk memperoleh keterampilan dan keahlian dengan pembinaan, penyediaan modal, peningkatan dukungan untuk UMKM serta perekrutan industri baru. Pemerintah diharapkan dapat terus meningkatkan tingkat indeks pembangunan manusia sehingga kuantitas SDM yang berkualitas akan meningkat yang pada gilirannya dapat menekan angka pengangguran dalam rangka mengurangi kemiskinan di Aceh
Analisis Upaya Pajak (Tax Effort) Kota Banda Aceh Studi Komperatif Ibukota Provinsi Di Pulau Sumatera Tahun 2015-2019
No full textThe purpose of this study was to determine the Position of Regional Income of Banda Aceh City and analyze the collection effort by comparing it with the provincial capital on the island of Sumatra. This research is limited to an analysis of efforts to collect Regional Income, growth and the role of Regional Income in regional expenditures and the extent to which regional economic developments can encourage an increase in Regional Income in Banda Aceh City. The parameter used is the calculation of Regional Income effort by looking at the Regional Income performance index and the elasticity level of Regional Income, Share and Growth Regional Income, as well as mapping regional financial capabilities.The results of this study conclude that: Banda Aceh City's Regional Income effort is higher than the average for all provincial capitals in Sumatera, The role (share) of Regional Income on government spending in Banda Aceh City was an average of 20.31 percent, the average Regional Income growth of Banda Aceh City was 0.04 percent; the position of Banda Aceh City is in the fourth quadrant with share and growth percentages below the average for all districts/cities in Aceh Province
TENDENCY TO USE ELECTRONIC MONEY IN BANDA ACEH
No full textThis study analyzes the people tendency in Banda Aceh city to use electronic money. The study was conducted in Banda Aceh city with 204 respondents. Logit model was applied in this research. The result shows that the tendency of people to use electronic money is significantly influenced by income, facilities, and environment while education has an insignificant effect on electronic money. Furthermore, the environmental impact was found by 2.5 times, facilities by 2.2 times and income by 1.3 times. It indicates that the environment is able to change people's perception and facilities to facilitate in accessing electronic money. The recommendation of this study shows that electronic money has started to develop in Banda Aceh city, but it needs to do socialization about electronic money to the community and convey the importance of electronic money in the process of ease, smoothness and security for the users