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At Tasyri'i Jurnal Prodi Perbankan Syariah
Published by Sekolah Tinggi Agama Islam YAPTIP PASAMAN BARAT
ISSN : 26153432     EISSN : 27150011     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal At TAsyrii adalah jurnal program studi Perbankan Syariah STAI YAPTIP Pasaman Barat yang mengkaji tentang ekonomi, Ekonomi ISlam dan Perbankan syariah, terbit dua kali dalam setahun (Januari Juni dan Juli Desember) yang dikelola oleh Program Studi Perbankan syariah STAI YAPTIP Pasaman Barat
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 41 Documents
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Pengaruh Total Asset Turnover (TAT), Kualitas Aktiva Produktif (KAP) terhadap Profitabilitas (ROA) dengan Non Performing Financing (NPF) sebagai Variabel Moderasi pada Bank Umum Syariah di Indonesia Periode 2018-2022 Pardede, Diah Hafni; M. Nawawi, Zuhrinal; Atika
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 1 (2023): Jurnal At Tasyr'i : Januari-Juni 2023
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This study aims to find out how the influence of Total Asset Turnover (TAT), Earning Asset Quality (KAP) on Profitability (ROA) with Non Performing Financing (NPF) as Moderating Variables in Islamic Commercial Banks in Indonesia Period 2018 - 2022. The independent variables used are TAT and KAP, the dependent variable used in this study is Profitability (ROA) and the moderating variable is NPF. The research data used is secondary data, TAT level, KAP level and also the level of profitability (ROA) and obtained from the official website of each Islamic Commercial Bank in Indonesia which has been published in the Financial Services Authority (OJK). The research data consists of 30 data where the data used is annual data. The research method used in this research is quantitative with a descriptive approach. The analysis technique used in this study is a partial test (t test), simultaneous test (F test), coefficient of determination test (R2) and MRA analysis test using the SPSS Version 25.00 analysis tool. The results showed that the TAT variable had no significant positive effect on ROA. KAP variable has a significant positive effect on ROA. KAP and TAT variables simultaneously influence ROA. The NPF variable is not able to moderate the effect of TAT on ROA. The NPF variable is not able to moderate the effect of KAP on ROA. So the KAP variables and NPF variables were not able to strengthen and give a significant effect on ROA partially in this study.
PENGARUH JUMLAH UANG BEREDAR TERHADAP INFLASI DI INDONESIA TAHUN 2006 – 2020 Arisman, Arisman; Rahmat, Fawza; Leli, Maisarah
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 1 (2023): Jurnal At Tasyr'i : Januari-Juni 2023
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Inflation and interest rates are factors that can affect the exchange rate from the point of view of macroeconomic theory. Changes in the inflation rate can affect the demand and supply of a currency and therefore will affect the exchange rate of the Rupiah and changes in interest rates will have an effect on the flow of Indonesian state funds so that it affects the demand and supply of the Rupiah exchange rate. The problem in this research is how the influence of inflation and interest rates in Indonesia in the period 2006-2020. The discussion methodology uses quantitative methods with multiple analysis. The data used in this study is secondary data obtained from the website of the Indonesian Central Statistics Agency (BPS) in the form of TimeSeries for 15 years. Hypothesis testing was carried out using the T statistical test and the F statistical test using the EVIEWS 10 program. The results showed that in the partial test (t test) the value of the panel data regression analysis test showed that the t-count for the independent variable Inflation was -0.818360, while t table with a = 0.05 and df = (n-k), df = 12 where the t-table value is 2.17881 which means that the t-count value is smaller than the t-table value (0.818360 2.17881), then when viewed from the probability value, which is 0.4291 which is greater than 0.05 then Ho is accepted. This means that Inflation has no effect on the Exchange Rate. And the results of the panel data regression analysis test show that the t-count for the independent variable Interest Rate is -1.341310 while the t-table value with a = 0.05 is 2.16037 which means that the t-count is smaller than the t-table equal to (1,341310 2,17881) and when viewed from the probability value that is equal to 0.2047 which means greater than 0.05 then Ho is accepted. This means that it shows that the Interest Rate has no effect on the Exchange Rate. While the simultaneous test (f test) results in the output of Eviews, the calculated F value is 4.127236 while the F table with a level of a = 0.05 is 3.89, thus F count > F table (4.127236 > 3.89), then also seen from the probability value of 0.043248 which is smaller than the significance level of 0.05 so that Ho is rejected. This shows that the Inflation and Interest Rate variables together (simultaneously) have a significant effect on the Exchange Rate, so that the regression model can be used to predict the dependent variable.
PENGARUH PEMAHAMAN MASYARAKAT TERHADAP MINAT BERTRANSAKSI SIMPAN PINJAM DI BAITUL MAL WATTAMWIL (BMT) TALAMAU TALU (Studi Kasus Jorong Tabek Sirah) Mailani, Siska
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 1 (2023): Jurnal At Tasyr'i : Januari-Juni 2023
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Latar belakang pada penelitian ini di Baitul Mal Wattamwil Talamau Talu. Tujuan penelitian ini untuk mengetahui apakah variabel pemahaman masyarakat berpengaruh terhadap minat bertransaksi simpan pinjam. Jenis penelitian ini adalah penelitian kuantitatif, data diperoleh melalui wawancara, penyebaran kuensioner, observasi. Teknik analisis data yang digunakan adalah regresi linear sederhana. Data yang digunakan adalah data primer yang diperoleh melalui kuensioner menggunakan penelitian lapangan dengan jumlah responden sebanyak 50 respnden.populasi dalam penelitian ini yaitu nasabah Baitul Mal Wattamwil ( BMT ) Talamau Talu. Hasil dari penelitian ini menujukkan bahwa pemahaman masyarakat berpengaruh positif terhadap minat bertransaksi simpan pinjam. Hal ini terbukti bahwa dari besar koefesien determinasi 0,379 menunjukkan kontribusi pemahaman masyarakat terhadap minat bertransaksi simpan pinjam. Dengan menggunakan taraf signifikan 5% diperoleh nilai Fhitung sebesar 8.069 dengan signifikan sebesar 0,007 makan HO di tolak dan Ha diterima. Jadi pemahaman nasabah berpengaruh positif terhadap minat bertransaksi simpan pinjam.
PERANAN KOPERASI SERBA USAHA BAKTI JAYA SAIYO DALAM MENINGKATKAN PEREKONOMIAN MASYARAKAT DI JORONG PARIT NAGARI KECAMAT KOTO BALINGKA Rahayu, Ummi
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 1 (2023): Jurnal At Tasyr'i : Januari-Juni 2023
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Koperasi merupakan tempat sasaran gerakan ekonomi masyarakat, dimana (ta’awun) kerjasama didalamnya mewarnai nilai islami kehidupan ekonomi masyarakat. Kesejahteraan masyarakat luas dan bersama merupakan dasar dari pengembangan koperasi Indonesia, bahwasanya koperasi dapat mencipatakan kesejahteraan bagi anggotanya dan dapat meningkatkan kesejahteraan masyarakat luas. Penelitian ini bertujuan untuk mengetahui Peranan Koperasi Serba Usaha Bakti Jaya Saiyo dalam Meningkatkan Perekonomian Masyarakat di Jorong Parit Nagari Parik Kecamatan Koto Balingka. Sedangkan manfaat dalam penelitian ini adalah secara praktis hasil penelitian ini diharapkan dapat memberikan sumbangan pemikiran kepada masyarakat luas tentang Koperasi Serba Usaha Bakti Jaya Saiyo dan secara teoritis bahwa hasil penelitian ini diharapkan dapat memberikan sumbangan pemikiran dan pengembangan ilmu pengetahuan, khususnya ilmu ekonomi Islam yang mendeskripsikan Peranan Koperasi Serba Usaha Bakti Jaya Saiyo dalam Meningkatkan Perekonomian Masyarakat di Jorong Parit Nagari Parik Kecamatan Koto Balingka. Jenis dan sifat penelitian ini adalah deskriptif kualitatif. Sumber data primer pada penelitian ini adalah Sulhel Antoni sebagai Ketua Koperasi, Zulyandri sebagai Sekretaris Koperasi, A.Zaini sebagai Humas Koperasi, Nara Pangestuti sebagai anggota Koperasi Seba Usaha Bakti Jaya Saiyo. Pengumpulan dalam penelitian ini menggunakan metode wawancara dan dokumentasi. Penelitian ini menggunakan teknik analisis data yang digunakan dalam penelitian kualitatif lapangan melalui data reduction (Reduksi data), data display (Penyajian data), dan verification (Kesimpulan) Hasil penelitian menunjukkan bahwa Peranan Koperasi Serba Usaha Bakti Jaya Saiyo adalah upaya peningkatan kesejahteraan perekonomian masyarakat yang dilakukan oleh para pengusaha dengan cara pemasaran dan permodalan, meningkatkan pendapatan ekonomi, peningkatan pendapatan ekonomi mengalami peningkatan dan juga dapat menyerap tenaga kerja danmengurangi pengangguran yang ada disekitar Jorong Parit Nagari Parik Kecamatan Koto Balingka.
PENGARUH PENDAPATAN DAN KARAKTER TERHADAP KREDIT NASABAH PEMBIAYAAN PADA BADAN KERJASAMA NAGARI (BKN) PARIK NURVADILA, RISKA
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 1 (2023): Jurnal At Tasyr'i : Januari-Juni 2023
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This research is motivated by the role of the MSME business sector that can affect national welfare. In this case, the researcher relates the problem of customer income and customer character with financing customer credit at the Parik Nagari Cooperation Agency (BKN). This study aims to partially examine and how the income and character of the financing customer credit at the Nagari Cooperation Agency (BKN) parik. In this study, the sample is customers in the Nagari Cooperation Agency. This study uses quantitative research, the number of samples taken, the researcher uses the opinion of Roscoe, that if the research will perform multivariate analysis (correlation or multiple regression for example), the number of members who sample is at least 10 times the number of variables studied. In this study, researchers used multiple regression analysis with 3 variables. So, the number of samples that the researchers took was 30 sample members at each financial institution. The type of data used in this study is primary data. Data collection techniques using questionnaires. The data analysis technique used in this research is validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression test, hypothesis test. The results of this study concluded that income and character have an influence on customer credit financing. This is evidenced by the results of the F test showing that the value of fcount > ftable, where the value of fcount is 14,874 which is greater than ftable of 3.35, it can be interpreted that together there is an influence between income and character on financing customer credit at the Nagari Cooperation Agency (BKN). Parik. Based on the results of the partial test calculation (t test) the significant value of the income variable is 0.921, because the value of sig. 0.921 > 0.05 it can be concluded that Ho is accepted and Ha is rejected. This means that there is no effect of income on the credit of financing customers. The significant value of the character variable is 0.000, because the sig. 0.000 < 0.05 then it can be concluded that Ha is accepted and Ho is rejected. This means that there is an influence of character on the credit of financing customers. Based on the results of the calculation of the coefficient of determination (R2), it is shown that the value of R square the amount of variation in the dependent variable is influenced by the independent variable is 52.4%, while the remaining 47.6% is influenced by other variables.
ANALISIS KELAYAKAN NASABAH DALAM PEMINJAMAN DI BPR OPHIR UJUNG GADING PASAMAN BARAT Nurhayati, Nurhayati; Eriawati, Yossi; Oki Nofendra, Feri
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
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This study departs from the problems that occur in banking in terms of lending caused by several factors including, bank management in conducting inaccurate loan analysis, weak loan financing supervision, inaccurate financial analysis and weak competence of human resources. The purpose of this study is to determine how the feasibility analysis of customers in lending at BPR Ophir Ujung Gading West Pasaman. This study uses a qualitative approach. The type of research used in this research is field research or field studies. The data obtained from this study are primary data and secondary data obtained from the BPR Ophir Ujung Gading Pasaman Barat. And technical data analysis using field research or observation (field research), interviews and Documentation Studies.
ANALYSIS OF FACTORS AFFECTING THE INCOME OF TRADERS AT UJUNG GADING MARKET: ANALYSIS OF FACTORS AFFECTING THE INCOME OF TRADERS AT UJUNG GADING MARKET al fajri, Fajri; Eriawati, Yossi; Susanti, Novi
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
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The researcher started this study after noticing that, as of late, the coronavirus outbreak and internet retailers (Ol-Shop), the income of vendors at Ujung Gading Market has been erratic. Because of this volatility, fewer buyers and more competition have resulted in lower sales for many dealers. Therefore, the researcher's goal is to find out if the capital, length of business operation, and trader education level variables have an impact on traders' income at Ujung Gading Market. With primary data gathered via surveys, this study used a quantitative methodology. 603 traders make up the study's population, and 216 respondents were chosen at random for the sample using the simple random sampling method. Multiple linear regression analysis approaches were used in SPSS version 25 to process the acquired data. The study's findings suggest that traders' income is influenced by the capital variable to some extent. The t-significance value of 0.000 < 5% in the SPSS report supports this. A t-significance value of 0.001 < 5% suggests that the Length of business operation variable also has a partial impact on traders' income. An SPSS output with a t-significance value of 0.003 < 5% indicates that the education variable also has a partial impact on traders' income. The findings also indicate that the revenue of traders at Ujung Gading Market is influenced simultaneously by capital, length of business operation, and education.The fact that the F-count value of 34.481 > the F-table value of 2.647 and the F-significance value of 0.000 < 5% support this. As a result, H0 is disproved and hypothesis Ha is approved. This clarifies why capital (X1), length of business operation (X2), and education (X3) all affect income concurrently and to a strength of 32.8%. Keywords : the income; traders; capital; Length of business operation; education
ANALISIS KELAYAKAN NASABAH DALAM PEMINJAMAN DI BPR OPHIR UJUNG GADING PASAMAN BARAT Sahrawani, Sahrawani; Leli, Maisarah; Rahmat, Fawza
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
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This research explains the proplem of whether there is an influence ofpromotions on the interest in saving of the people of Situak Barat at the shariapeople’s Financing (BPRS) Mentari Pasaman Saiyo Ujung Gading. This researchaims to partially test how promotion influences interest in saving and how muchinfluence promatiaon has on interest in saving in West Siak society at BPRSUjung Gading. After this research is carried out, it is hoped that it will providebenefits for several parties, including providing input from information on thepractice of sharia banking, especially marketing managers in determining themost effective promotional policies to recruit savings Customers at BPRS ujunggading.In this research, the research methodology used is a method asosiatif cacualwith a quatitative type of research. The respondents in this study were 30responden with 14 statements, namely the west siak community. Samplingtechniques using samples rondom sampling, data collection techniques usinginterviews, questionnaires and documentation as well as data analysis techniquesused in this thesis are Validity test, Reability test, Normality test, Simultaneoustest(F) and Partial test(T). The research results show that there ia a positiveinfluence berween the promation variabel(X) and the interest in savingvariable(Y), Seen from the regression equation that has been generated usingSPSS. Namely the magnitude of the influence of promation(X) on the interest insaving(y) of the west siak community at BPRS MPS ujung gading.
ANALISIS FAKTOR YANG MEMPENGARUHI NON MUSLIM DALAM MENJADI NASABAH DI PT. BPRS MENTARI PASAMAN SAIYO Arisna, Arisna; Budiman, Fajar; Novialdi, Novialdi
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
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Tujuan penelitian ini untuk menganalisis faktor yang mempengaruhi non muslim dalam menjadi nasabah di PT. BPRS Mentari Pasaman Saiyo Pasaman Barat. Hal ini dapat dilihat dari beberapa faktor yang ada yaitu faktor internal dan faktor eksternal. Penelitian ini merupakan penelitian kualitatif dengan metode deskriptif kualitatif. Penelitian ini mengambil tempat di PT. BPRS Mentari Pasaman Saiyo Pasaman Barat dengan subjek penelitian adalah 2 orang nasabah non muslim yang aktif bertransaksi di PT. BPRS Mentari Pasaman Saiyo Pasaman Barat, Pimpinan Direktur, Account Officer,Funding Officer dan Teller PT. BPRS Mentari Pasaman Saiyo Pasaman Barat. Untuk Teknik Analisis data adalah teknik analisis kualitatif dengan menggunakan metode berfikir deduktif. Teknik pengumpulan data menggunakan wawancara dan dokumentasi. Hasil penelitian menunjukan bahwa hal-hal yang mempengaruhi non muslim untuk menjadi nasabah di PT. BPRS Mentari Pasaman Saiyo dapat dilihat dari faktor internal yaitu dari segi pekerjaan,gaya hidup,sosial budaya,sikap dan keyakinan. Sedangkan dalam faktor eksternal nya dapat dilihat dari segi promosi, fee, lokasi dan pelayanan. Dari beberapa hal faktor tersebut, yang lebih dominan karena nya promosi, lokasi yang memadai, fee yang telah ditetapkan dan disepakati kemudian pelayanan yang baik yang telah di sediakan oleh pihak bank PT. BPRS Mentari Pasaman Saiyo Pasaman Barat.
PENGARUH AKSES MODAL DARI LEMBAGA KEUANGAN DAN PRODUKTIVITAS LAHAN TERHADAP PENDAPATAN PETANI KELAPA SAWIT NAGARI OPHIR KECAMATAN LUHAK NAN DUO KABUPATEN PASAMAN BARAT Kurnia, Wahyu; Budiman, Fajar; Eriawati, Yossi; Raihani, Hulfa; Nofendra, Feri Oki
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 2 (2023): Jurnal At Tasyri'i Juli Desember 2023
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This research uses a descriptive quantitative approach. The population in this study were oil palm farmers in Nagari Ophir. The number of salt farmers in Nagari Ophir is 120 palm oil farmers. Sampling was carried out using a random sampling method with a total of 92 oil palm farmers as respondents. The data results were processed using SPSS 16 tools to carry out research instrument tests, validity tests, reliability tests, classical assumption tests, multiple linear regression analysis tests, determination tests (R2), t tests and f tests. The conclusion of this research is that based on the results of the hypothesis test carried out, it can be concluded that the variable access to capital has a positive and significant effect on the income of the people of Nagari Ophir, which is shown in the hypothesis t test with t-count (3,370) > t table (1,986) and sign value (0.01 < 0.05). Based on the results of the hypothesis test carried out, it can be concluded that the productivity variable has a significant positive effect on the income of the people of Nagari Ophir, which is shown in the hypothesis t test with a calculated t-value (3,484) > t-table (1,986) and a sign value (0.01 < 0.05). Based on the results of the hypothesis test carried out, it can be concluded that the variables Access to capital and productivity simultaneously (together) influence the income of the people of Nagari Ophir which can be seen from the results of the F test with the value of F-count (14.140) > F-table (2.71) and sign value (0.000 < 0.05).

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