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All Journal Journal of Student Research Jurnal Publikasi Manajemen Informatika (JUPUMI) Journal of Management and Social Sciences Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Mutiara: Jurnal Penelitian dan Karya Ilmiah Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Ilmiah Research Student Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Santri : Jurnal Ekonomi dan Keuangan Islam
Agustina Mutia
Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Analisis Kinerja Keuangan Berdasarkan Rasio Profitabilitas Pada Koperasi Unit Desa (KUD) Sawit Mandiri Desa Talang Makmur Kecamatan Tebing Tinggi Kabupaten Tanjung Jabung Barat Provinsi Jambi Dewi Fitriyana; Agustina Mutia; Rohana Rohana
Jurnal of Management and Social Sciences Vol. 1 No. 3 (2023): Juli : Journal of Management and Social Sciences
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jmsc.v1i3.137

Abstract

This study aims to determine the financial performance of the Sawit Mandiri Village Unit Cooperative (KUD) in Talang Makmur Village, Tebing Tinggi District when analyzed in terms of Profitability Ratios using Return On Assets (ROA), Return On Equity (ROE), and Service Operational Independence (BOPO). The method used in this research is descriptive qualitative research in the form of financial ratio analysis based on the Regulation of the Deputy for Supervision of the Ministry of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number: 06/Per/Dep.0/IV/2016 concerning Guidelines for Health Assessment of Savings and Loans Cooperatives Cooperative Savings and Loans Unit. The results of this study indicate that the financial performance of the Sawit Mandiri Village Unit Cooperative (KUD) in 2018-2022 based on Return on Assets (ROA) is considered low, this is based on the results of calculating the average Return on Assets (ROA) for 5 years, namely 8, 64%, in the unfavorable criterion, it is still far below the cooperative Return on Asset (ROA) standard, which is 10%. Based on Return on Equity (ROE) it is considered low, this is based on the results of calculating the average Return on Equity (ROE) for 5 years, namely 14.50%, in the criteria in very good criteria it meets the cooperative Return on Equity (ROE) standard, namely large 5%. Based on Service Operational Independence (BOPO) it is considered high, this is based on the calculation results of the average Service Operational Independence (BOPO) for 5 years, namely 9.92%, in very good criteria it meets the cooperative standard Service Operational Independence (BOPO), which is 100% .
Analisis Peningkatan Kesejahteraan Masyarakat Melalui Usaha Mikro Kecil Dan Menengah Di Kecamatan Pengabuan Kabupaten Tanjung Jabung Barat Agustina Mutia; Muhammad Orinaldi; M Hasan
Jurnal Publikasi Manajemen Informatika Vol 2 No 3 (2023): SEPTEMBER: JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v2i3.2078

Abstract

The purpose of conducting this research is to find out how the development of MSMEs in Pengabuan District, West Tanjung Jabung Regency and to find out what are the obstacles that make MSMEs in Pengabuan District, Tanjung Jabung Barat Regency slow to develop and to find out how the government contributes in advancing MSMEs to improve people's welfare in the District. The incineration of West Tanjung Jabung Regency. Fahrudin's Community Welfare Theory. How does a person or individual meet the basic needs of his life, as well as how does one support the opportunity to continue his education and have a better job to support his quality of life. The results of this study indicate that in improving the welfare of the people in Pengabuan District, Tanjung Jabung Barat Regency, it is seen by indicators of welfare, income, education and health. Of the 10 Respondents from Micro, Small and Medium Enterprises interviewed by researchers, many said that the purpose of doing this MSME business was to help the economy in the family, as well as increase income for their husbands and to help meet their daily needs and fulfill their children's education. and health for their families. And in an effort to improve the welfare of business actors, it is hoped that the contribution from the relevant government will advance their business so that their business can develop much better than before.
Pendayagunaan Dana Zakat Melalui Pemberdayaan Ekonomi Masyarakat Di Baznas Kota Jambi Agustina Mutia; Muhammad Subhan; Rizkia Safitri
Jurnal Publikasi Manajemen Informatika Vol 2 No 3 (2023): SEPTEMBER: JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v2i3.2079

Abstract

This study aims to determine whether the government of the National Amil Zakat Agency (BAZNAS) has implemented empowerment to the community. This research method uses a qualitative method which is sourced from the National Amil Zakat Agency (BAZNAS) office in Jambi City. The results in the research conducted, conclusions are obtained.(1). The planning stage of the Allocation of Zakat Funds at the National Amil Zakat Agency (BA-ZNAS) has been carried out in accordance with what has been done by BAZNAS in an effort to improve the standard of living of the community, especially in Jambi City. However, the lack of community efforts in an effort to increase the level of the economy, which initially became mustahik to increase the level to become muzakki, the community was reluctant to do so.(2) The application of the Allocation of Zakat Funds for community empowerment is appropriate in the view of Islamic economics which aims to increase income, and help free from hunger, and seeks to help.(3) The use of zakat funds at the National Amil Zakat Agency (BAZNAS) can be seen from the success of the community in increasing income with the assistance of zakat funds.
Pengaruh Digital Marketing, Desain Produk, dan Kualitas Produk Terhadap Keputusan Pembelian (Studi Pada Distro Kedai Oblong Jambi) Rika Hubbina; Agustina Mutia; Marissa Putriana
Journal of Student Research Vol 1 No 5 (2023): September: Journal of Student Research
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jsr.v1i5.1768

Abstract

Dalam Islam setiap kegiatan bisnis harus taat pada dua prinsip, yaitu taat pada aturan atau tatanan moral yang ditetapkan Allah SWT. Dan empati, mensyukuri rahmat dan ciptaan Allah dengan cara menahan diri dari tindakan yang merugikan orang lain dan mencegah penyebaran praktik yang tidak etis. Digital marketing di Distro Kedai Oblong Jambi sudah bagus mereka mengenalkan distro mereka melalui media social seperti instagram tetapi pemilihan lokasinya kurang strategis karena berada didalam perumahan yang letaknya tidak dipinggir jalan. Sedangkan desain dan kualitas produk, telah berkembang dengan berbagai macam motif dengan kualitas yang bagus, namun hasil penjualan fluktuatif padahal seharusnya jika semua indikator produk tersebut telah diterapkan dapat mendorong minat konsumen untuk membeli produk sehingga menaikkan hasil penjualan. Penelitian in bertujuan untuk mengetahui pengaruh digital marketing, desain produk dan kualitas produk terhadap keputusan pembelian pada Distro Kedai Oblong Jambi. Metode penelitian yang digunakan kuantitatif deskriptif sampel yang diambil sebanyak 61 responden dengan menggunakan teknik non probability yakni teknik sampel aksidental yaitu teknik penentuan sampel berdasarkan kebetulan, siapa saja yang secara kebetulan atau insidental bertemu dengan peneliti. Hasil penelitian ini menyatakan bahwa digital marketing dan desain produk tidak berpengaruh positif terhadap keputusan pembelian. Sedangkan kualitas produk berpengaruh positif terhadap keputusan pembelian.
Pengaruh Persepsi Kemudahan, Persepsi Manfaat dan Persepsi Resiko Terhadap Keputusan Penggunaan E-Wallet Pada Mahasiswa di Kota Jambi Adinda Kirana; Agustina Mutia; Refky Fielnanda
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 1 No. 4 (2023): Oktober : Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v1i4.442

Abstract

This study aims to determine the effect of perceived ease of use, perceived usefulness and perceived risks on the decision to use e-wallets among students in Jambi City. This research is a quantitative research, collecting data using questionnaires and questionnaires. The sample of this research is students who are in the city of Jambi, totaling 100 people. The results of this study show that the variables Perceived Ease of Use, Perceived Usefulness and Perceived Risk simultaneously influence the decision to use e-wallet. This result can be proven from the simultaneous f test value with a significance value of 0.000 <0.05 which means significant, the (partial) t-test results on the Perceived Ease of Use variable show that Perceived Ease of Use (X1) has a significant effect on the decision to use e-wallet, this is indicated by the t count > t table of 5,992 > 1.966 with a significance value of 0.000 < 0.05, the t-test results (partial) on the Perceived Usefulness variable show that Perceived Usefulness (X2) has a significant effect on the decision to use e- wallet, this is indicated by the t count > t table of 10,462 > 1.966 with a significance value of 0.000 <0.05 and the results of the t-test (partial) on the Perceived Risk variable show that Perceived Risk (X3) has a significant effect on the decision to use e-wallets, this is indicated by the value of t count > t table of 6,623 > 1.966 with a significance value of 0.000 < 0.05. And the R Square value is 0.642 or 64,2% which indicates that the independent variables have an influence of 64.2% on the use decision variable (Y).
Pengaruh Shopping Enjoyment, Pengalaman Pembelian dan Religiusitas Terhadap Minat Beli Produk Fashion Di Online Shop (Studi Pada Generasi Z di Kota Jambi) Elza Berta Salsabila; Agustina Mutia; Syahril Ahmad
JURNAL ILMIAH RESEARCH STUDENT Vol. 1 No. 1 (2023): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jirs.v1i1.34

Abstract

Someone's urge to buy anything develops after being stimulated by the object he sees. This desire first develops into a desire to test the product, then develops into a desire to buy in order to have it. The formation of purchase intention is influenced by several factors, one of which is shopping enjoyment, purchasing experience and religiosity. This study aims to determine the effect of shopping enjoyment, purchasing experience and religiosity on consumer buying interest in fashion products in online shops. Samples were taken as many as 270 respondents using the sampling method in this study, namely Proportionate Stratified Random Sampling. This study used the SPSS calculator version 22. The results showed that shopping enjoyment, buying experience, and religiosity had a positive and significant effect on the intention to buy fashion products in online shops. Based on data analysis in this study, these variables are valid and reliable
Pengaruh Digital Marketing Dan Sertifikasi Halal Produk Terhadap Keputusan Pembelian Masyarakat Pada Usaha Ilhamumtaza Jambi Ade Dea Novita; Agustina Mutia; Awal Habibah
Mutiara : Jurnal Penelitian dan Karya Ilmiah Vol. 1 No. 5 (2023): Oktober: Mutiara : Jurnal Penelitian dan Karya Ilmiah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/mutiara.v1i5.499

Abstract

The high promotional costs of marketing products on social media are a problem for business actors. That way, business actors can market their products directly to the field. This is the background to research entitled The Influence of Digital Marketing and Halal Product Certification on People's Purchasing Decisions for the Ilhamumtaza Jambi Business. The aim of this research is to find out the partial or simultaneous influence of digital marketing and halal product certification on people's purchasing decisions for the Ilhamumtaza Jambi business. The method used in this research is a descriptive quantitative method with 344 respondents. The technique used in sampling is purposive sampling, namely the sampling method used, and it is used to take into account a number of factors. Data collection is done distributing of questionnaires, interviews, and also documentation. The results of this research show that: (1) There is a partial significant influence of digital marketing variables and halal product certification on people's purchasing decisions for the Ilhamumtaza Jambi business. (2) The independent variables, namely the digital marketing and halal certification variables, have a positive effect (moving in the same direction) on people's purchasing decisions for the Ilhamumtaza Jambi business, with an Adjust R2 coefficient value of 0.533%. This illustrates that the contribution value of digital marketing variables and halal product certification to people's purchasing decisions is 53% and 47% influenced by other factors that are not part of this research, and the results of the effective contribution value (contribution) that are more influenced are the certification variables. halal products by 48%. In this study, researchers can take see that digital marketing can introduce products more widely, both on social media and in the field. And the existence of halal product certification becomes the most important value in determining the decision to purchase a product. Because consumers will look again at the halal logo on the product packaging. And by introducing digital marketing to this business, it can also increase buyer interest on social media from this business.
Pengaruh Pengetahuan dan Persepsi Masyarakat Terhadap Minat Menggunakan Pembiayaan Murabahah di Baitul Maal Wat-Tamwil Al-Ishlah Kota Jambi Via Ullya Syafitri; Agustina Mutia; Mohammad Orinaldi
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.347

Abstract

Economic life cannot be separated from the important role of the financial services sector in general and banking in particular. It is through this media that the aim is to realize a healty economy by empowering existing funds or investment potential in the community which can be channeled into various productive activities so that healthy economic growth can be achieved and avoid usury. There are several financing products such as mudharabah, ar-rahn, and qardhul hasan. Baitul Maal Wat-Tamwil to provide financing to small businesses cannot possibly be replaced by sharia banks, because it is impossible for sharia banks to operate in small scale financing, while the community needs small capital. The purpose of this study was to determine the effect of knowledge the intention to use murabahah financing in the Baitul Maal Wa-Tamwil Al-Ishlah, Jambi City, to determine the effect of public perceptions on yhe interest in using murabahah financing in the Baitul Maal Wat-Tamwil Al-Ishlah, Jambi City, and to determine the influence of public knowledge and perceptions of interest in using murabahah financing in Baitul Maal Wat-Tamwil, Jambi City. This research is a quantitative research, collecting data using questionnaires and questionnaires. The sampel for this research was the local community in RT 19, Simpang IV Sipin Subdistrict, Telanaipura District, Jambi City, totaling 86 peole. The reseacrh results show that the variables of knowledge and public perception influence interest in using murabahah financing. The results of calculating the coefficient of determination show that the variables of knowledge and public perception are 76,9% and 23,1% influenced by other variables outside this reseach.
PENGARUH LABEL HALAL, BRAND IMAGE DAN LIFESTYLE TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN MUSLIM DI RESTORAN ICHIBAN JAMTOS JAMBI Meisha Nabilla Putri; Agustina Mutia; Erwin Saputra Siregar
Journal of Student Research Vol 1 No 6 (2023): November: Journal of Student Research
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jsr.v1i6.1808

Abstract

Munculnya suatu Brand besar pada suatu produk makanan membuat beberapa masyarakat muslim tertarik untuk ikut menikmati produk dari brand besar tersebut. Dan berubahnya gaya hidup di zaman generasi z membuat beberapa masyarakat muslim ikut menjadi konsumen pada brand makanan tersebut sehingga membuat beberapa konsumen muslim tidak terlalu memikirkan apakah brand makanan tersebut sudah bersertifikat halal atau belum. Penelitian ini bertujuan untuk mengetahui dan pengarus label halal,brand image, lifestyle terhadap keputusan pembelian konsumen muslim di Restoran Ichiban Jamtos Jambi. Metode yang digunakan penelitian ini kuantitatif, dan metode analisi data yang digunakan adalah uji koefisien determinasi. Sampel dalam penelitian ini adalah sebanyak 96 responden yang merupakan konsumen muslim Restoran Ichiban Jamtos Jambi. Hasil penelitian menunjukkan bahwa Label halal, brand image,lifestyle secara bersamaan berpengaruh signifikan terhadap keputusan pembelian. Hal ini dibuktikan dengan nilai adjusted R square (koefisien determinasi) sebesar 0,105 atau 10.5%. Pada pengujian asumsi klasik penelitian ini berdistribusi normal, tidak terjadi heteroskedastisitas, dan multikolinearitas.
Persaingan Antar Pedagang Dalam Perspektif Etika Bisnis Islam : Studi Pasar Tradisional Keramat Tinggi Kecamatan Muara Bulian Siraj Aiqan Zhorifi; Agustina Mutia; Agusriandi Agusriandi
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.421

Abstract

In today's digital era, the economy is a very important aspect for every human life in order to meet every need such as clothing, food and shelter. In Islam, every human being is encouraged to compete in trying, but Islam underlines that the intended effort should be in terms of goodness not the other way around which can plunge people into satanic acts. In this study the method used is a qualitative method. The informants in this study were eight traders and three buyers. The type of data used is primary data with data collection techniques in the form of observation, interviews and documentation. Checking the validity of the data is done by testing the internal validity (credibility), preparing a triangulation plan, identifying informants and participants. Based on the results of this study indicate that the competition between traders in the Keramat Tinggi Market, Muara Bulian District includes five principles, namely unity (unity), balance (fairness), free will, responsibility, and truth. Of the five principles, most of the business competition activities carried out by traders are in accordance with Islamic business ethics, although there are some traders who carry out unfair business competition and conflict with Islamic business ethics, namely traders with large capital, setting prices below the prices of other traders and there are Merchants who report that the quality is not in accordance with their merchandise with the aim of turning off other traders and can harm the buyer. In implementing the five principles of Islamic business ethics there are obstacles to the principle of responsibility because there are some traders who actually provide insurance or compensation to the buyer if there is a defect in the goods and also some do not provide insurance to the buyer if there is a defect in the goods. But this happens not for the sole reason of making a profit, but to minimize the losses that occur.
Co-Authors Ade Dea Novita Adinda Kirana Agusriandi Agusriandi Awal Habibah Ayu Wandira Dewi Fitriyana Elza Berta Salsabila Eri Nofriza Erwin Saputra Siregar G.W.I. Awal Habibah Kurnia Sari Rahma M Hasan Marissa Putriana Meisha Nabilla Putri Miftahul Janah Mohammad Orinaldi Muhamad Subhan Muhammad Orinaldi Muhammad Subhan Nurvaizah Nurvaizah Refky Fielnanda Rekha Afiah Rika Hubbina riska safitriani Rizkia Safitri Rohana Rohana Siraj Aiqan Zhorifi Solichah Syahril Ahmad Via Ullya Syafitri