BORJUIS: JURNAL OF ECONOMY diterbitkan empat kali dalam setahun, jurnal peer-review, dan mengkhususkan diri dalam penelitian lapangan dan kajian literatur yang berkaitan dengan bidang ekonomi, bisnis, manajemen, akuntansi, perbankan dan bidang-bidang lainnya yang dianggap relevan dengan ruang lingkup dari bidang kajian tersebut. Tujuannya adalah untuk memberikan pemahaman yang lebih baik kepada pembaca tentang ruang lingkup keilmuan tersebut sehingga layak untuk disajikan sesuai dengan perkembangannya melalui publikasi artikel dan laporan penelitian baik riset lapangan maupun literatur. 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. Nama Jurnal : BORJUIS: Jurnal of Economy Bahasa : Indonesia ISSN : 3030-931X Issue Frequently : Empat Kali dalam Setahun Chief of Editor : Profesor Madya Dr Hadenan Towpek Publisher : Adisam Publisher this journal is indexed by:
TRANSFORMASI WILAYAH PERBATASAN INDONESIA–MALAYSIA MELALUI STRATEGI BRANDING DESTINASI EKONOMI DAN PARIWISATA
This study aims to examine the transformation of the Indonesia–Malaysia border region through destination branding strategies based on economic and cross-border tourism potential. Border areas are no longer viewed merely as administrative and security zones, but also as strategic spaces for trade, tourism, cultural interaction, and regional economic growth. This study uses a library research method with a qualitative descriptive approach by analyzing scientific literature, policy documents, and previous studies related to place branding, destination branding, cross-border tourism, borderland development, and regional economic transformation. The findings show that the Indonesia–Malaysia border region has strong potential to be developed as a competitive economic and tourism destination through the utilization of Border Crossing Posts, local superior products, cultural heritage, natural attractions, and cross-border community mobility. However, this potential has not been fully integrated into a coherent destination branding strategy. Therefore, branding must be understood not merely as a promotional tool, but as a regional transformation instrument that connects local identity, economic activities, tourism experiences, digital promotion, and collaborative governance. The study concludes that an integrated branding strategy can strengthen the image of border areas as productive, safe, inclusive, and attractive destinations for tourists, investors, and business actors. This research contributes conceptually to the development of border destination branding studies and practically to policy formulation for sustainable economic and tourism development in the Indonesia–Malaysia border region.
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PENGEMBANGAN EKONOMI WILAYAH PERBATASAN INDONESIA–MALAYSIA MELALUI PERDAGANGAN LINTAS BATAS DAN KAWASAN EKONOMI KHUSUS
This study examines the economic development of the Indonesia–Malaysia border region through cross-border trade and the development of Special Economic Zones. Border areas are no longer viewed merely as administrative and security boundaries, but as strategic economic spaces with strong potential to support regional connectivity, local economic growth, investment, logistics, and ASEAN economic integration. This research uses a library-based research method, reviewing academic literature, policy documents, institutional reports, and previous studies on border trade, border governance, regional economic cooperation, and Special Economic Zones. The findings show that cross-border trade plays an important role in supporting the livelihoods of border communities, facilitating the movement of goods, strengthening local markets, and improving community welfare. However, its development still faces several challenges, including limited infrastructure, regulatory differences, weak institutional coordination, informal trade practices, and limited capacity of local economic actors. The study also finds that Special Economic Zones can function as strategic instruments to transform border areas into centers of investment, industrial processing, logistics, exports, and value-added production. Therefore, cross-border trade and Special Economic Zones should not be treated as separate policies, but as complementary instruments for border economic development. This study highlights the need for policy harmonization, infrastructure improvement, SME empowerment, digital trade facilitation, and stronger bilateral cooperation between Indonesia and Malaysia. The study concludes that an integrated, collaborative development model is essential to transforming the Indonesia–Malaysia border region into an inclusive, competitive, and sustainable economic growth area.
ANALISIS EFEKTIVITAS SISTEM RECEIVING DAN STOREKEEPING DALAM MENDUKUNG PENGENDALIAN INTERNAL PERSEDIAAN PADA HOTEL MERCURE
This study aims to analyze the effectiveness of receiving and storekeeping systems in supporting internal inventory control at Mercure Hotel. The method used is a descriptive qualitative approach with data collection techniques through observation and documentation. The results show that both systems have been operating very effectively, with an effectiveness level above 90%. The receiving system demonstrates good performance through the conformity of goods with purchase orders, completeness of documents, and high recording accuracy. The verification process carried out carefully is able to minimize errors and potential fraud from the initial stage of receiving goods.Meanwhile, the storekeeping system also shows high effectiveness, indicated by stock accuracy and minimal discrepancies between system data and physical conditions. The implementation of the FIFO method, proper warehouse layout management, and strict supervision are the main supporting factors. The integration between receiving and storekeeping systems creates a systematic, transparent, and accountable inventory management flow. In addition, information technology support further enhances efficiency and data reliability. Overall, these two systems contribute significantly to operational efficiency and internal inventory control of the hotel.
PENGARUH SOCIAL MEDIA MARKETING, BRAND IMAGE, DAN BRANDTRUST TERHADAP REPURCHASE INTENTION (Studi pada Pelanggan Brotzeit Bali Bakery)
The increasing competition in the bakery industry requires companies to develop effective social media marketing, establish a strong brand image, and enhance brand trust to encourage customers’ repurchase intention. The decline in sales experienced by Brotzeit Bali Bakery indicates problems related to factors influencing customers’ repurchase intention, thereby highlighting the need for further research.This study aims to analyze the influence of social media marketing, brand image, and brand trust on repurchase intention among Brotzeit Bali Bakery customers. This research employed a quantitative approach involving 160 respondents who were customers of Brotzeit Bali Bakery. The sampling technique used purposive sampling. Data were collected through questionnaires measured using a Likert scale to capture respondents’ perceptions of the research variables. The data analysis techniques included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-test, F-test, and coefficient of determination.The results indicate that social media marketing, brand image, and brand trust have a positive and significant effect on repurchase intention among Brotzeit Bali Bakery customers, both partially and simultaneously. Therefore, these three variables are important factors in increasing customers’ repurchase intention at Brotzeit Bali Bakery.The implications of this study suggest that Brotzeit Bali Bakery should optimize creative and interactive social media marketing, maintain consistent product quality to strengthen brand image, and improve service and brand credibility to build brand trust. These integrated strategies are expected to enhance customers’ repurchase intention at Brotzeit Bali Bakery and support the sustainability of the company’s sales performance.
PERSEPSI PENGGUNA TERHADAP PEMANFAATAN ARTIFICIAL INTELLIGENCE DALAM PENGAMBILAN KEPUTUSAN BISNIS PADA UMKM DI KOTA SAMARINDA
The development of digital technology, particularly Artificial Intelligence (AI), has driven transformation in the micro, small, and medium enterprise (MSME) sector, particularly in supporting more effective, data-driven business decision-making. This study aims to analyze user perceptions of the use of AI in business decision-making among MSMEs in Samarinda City. The method used was a qualitative approach, with data collection through in-depth interviews with three MSME informants selected using purposive sampling. Data analysis was carried out through the stages of data reduction, data presentation, and conclusion drawing. The results indicate that MSMEs' perceptions of AI tend to be positive, although levels of understanding vary. AI is considered beneficial in increasing efficiency, marketing effectiveness, and decision- making accuracy. However, several barriers exist, such as limited digital literacy, cost, and lack of technical understanding, requiring support to optimize its utilization.
THE IMPACT OF THE DIGITAL ECONOMY ON THE GROWTH OF SMES AND THE LABOUR MARKET STRUCTURE IN INDONESIA
The digital economy has become a key transformative force in the Indonesian economy, with growth reaching 8.6% and a contribution of 8.4% to GDP in 2024. This study aims to analyse the impact of the digital economy on the growth of SMEs and the labour market structure in Indonesia using a literature review method with a descriptive qualitative approach. The results indicate that the digital economy has a significant positive impact on SME growth, with 70% of SME operators experiencing an increase in revenue of up to 30% after joining the digital ecosystem, and SME growth reaching 83% by 2024. Digitalisation opens up broader market access, improves operational efficiency by reducing marketing costs by up to 42.68%, and provides access to alternative financing through P2P lending fintech platforms, which have channelled Rp37.9 trillion to SMEs. However, the digital transformation of SMEs still faces challenges, including low technology adoption (only 24–26%), low digital literacy (only 18% possess basic digital skills), and limited internet infrastructure (76.8% penetration). In terms of the labour market structure, the digital economy created 4.2 million direct jobs and 15.7 million indirect jobs in 2023, projected to rise to 6.5 million and 22 million by 2025, although 83 million jobs are predicted to be lost due to automation by 2025. The gig economy offers flexibility to 86.6 million workers (59.40% of the total workforce), yet it also creates economic uncertainty, with 28.4% of gig workers labouring 13–14 hours a day without adequate social protection. The digital skills gap remains a major obstacle, with only 1% of the workforce possessing advanced-level skills against a target of 50%. The study recommends strengthening vocational education curricula, implementing mass reskilling and upskilling programmes for 5 million digital talents by 2026–2030, developing equitable digital infrastructure, strengthening regulations to protect gig workers, and providing incentives for SMEs to undergo digital transformation.
PENGARUH KETIDAKAMANAN KERJA DAN STRES KERJA TERHADAP INTENSI KELUAR KARYAWAN PT. PADASA ENAM UTAMA MEDAN
This study aims to examine the influence of job insecurity and job stress on employee turnover intentions at PT. Padasa Enam Utama Medan. This is a quantitative study with a descriptive approach. The population in this study was all employees working at PT. Padasa Enam Utama Medan. The sampling technique used the purposive sampling method. The sample in this study consisted of 85 respondents. The data used in this study were primary data collected through a direct questionnaire survey. The results of the study, using multiple linear regression analysis, indicate that job insecurity and job stress have a positive and significant effect on turnover intentions. Based on the SPSS output, the RS-square value is 0.708 or R2 x 100% of 70.8%. This means that the independent variables in this study contribute significantly to explaining employee turnover intentions at PT. Padasa Enam Utama Medan, with the remaining 29.2% influenced by factors outside this study. In other words, there are still other independent variables that influence turnover intentions.
EKONOMI DIGITAL, UMKM, DAN TRANSFORMASI PASAR KERJA: STUDI KONTEKSTUAL DI INDONESIA
This study aims to analyze the role of the digital economy in the growth of Micro, Small, and Medium Enterprises (MSMEs) and the transformation of labor market structures in Indonesia. The rapid development of digital technology has significantly changed economic activities, business models, and employment patterns in modern society. MSMEs, as the backbone of the Indonesian economy, are increasingly integrated into the digital ecosystem through e-commerce, fintech, digital marketing, and online platforms. However, the acceleration of digital transformation also creates challenges related to digital inequality, workforce adaptation, and skills mismatch in the labor market. This research employs a qualitative approach using the library research method, examining scientific literature, Scopus-indexed journals, books, policy documents, and relevant reports on the digital economy, MSMEs, and employment transformation. The findings indicate that the digital economy positively contributes to MSME productivity, market expansion, business innovation, and economic competitiveness. Furthermore, digital transformation encourages the emergence of new technology-based occupations and more flexible work patterns. Nevertheless, the study also reveals that limited digital literacy, unequal technological infrastructure, and low workforce readiness remain major obstacles in maximizing the benefits of the digital economy. Therefore, inclusive policies that focus on improving digital literacy, developing workforce skills, expanding infrastructure, and enabling sustainable MSME digitalization are essential to ensure equitable and sustainable economic growth in Indonesia.
ANALISIS TINGKAT KEPUASAN KARYAWAN TERHADAP FASILITAS GEDUNG BARU DI PT KUKAR MANDIRI SHIPYARD
The physical work environment operates as a fundamental determinant of employee satisfaction, psychological well-being, and organizational productivity, particularly within the high-stakes sectors of heavy manufacturing and maritime logistics. This exhaustive study evaluates the level of employee satisfaction regarding the newly renovated head office building facilities at PT Kukar Mandiri Shipyard, a leading maritime enterprise located at Jl. Mulawarman No. 10, Samarinda, East Kalimantan. Utilizing a quantitative descriptive approach, primary data was meticulously collected through a structured questionnaire administered to 19 administrative and structural employees across vital departments, including Finance, Purchasing, Accounting, and Administration. The empirical results demonstrate a highly positive overall perception of the new physical infrastructure. Indicators such as building cleanliness, spatial arrangement, ergonomic lighting, and physical security achieved near-perfect mean scores (ranging from 4.89 to 4.95 on a 5-point Likert scale). Nevertheless, a critical vulnerability was identified concerning the air circulation and ventilation indicator, which recorded the lowest mean score (4.21) alongside the highest statistical variance. This specific deficiency indicates a decline in Indoor Air Quality (IAQ), potentially exacerbated by the necessity to seal the building against external urban air pollution and traffic emissions. The comprehensive analysis confirms that the optimization of physical facilities significantly elevates perceived comfort, work enthusiasm, and self-reported productivity, perfectly aligning with Herzberg’s Two-Factor Theory wherein hygiene factors effectively neutralize workplace dissatisfaction. Strategic recommendations are directed towards mitigating indoor air quality impediments to secure long-term employee retention and optimize human capital sustainability.
SOCIOECONOMIC DYNAMICS AND WILLINGNESS TO PAY FOR WATER SUBSCRIPTION DECISIONS IN PEKANBARU
High quality drinking water is an essential need for public health and welfare. In Pekanbaru city, clean water supply efforts through the Pekanbaru-Kampar. Drinking Water Supply System (SPAM) which continues to be developed by local government to meet the needs of water suitable for consumption. However, public interest, particularly among potential customers, in SPAM services still varies. This research aims to analyze the socio-economic dynamics of the community and their relationship with willingness to pay (WTP) on the decision to subscribe to water services provided by the Drinking Water Company (PAM) Pekanbaru City. The background of this research is based on the low penetration rate of household clean water services despite the increasing need for access to potable water. Using a qualitative approach and case study method, data was collected through in-depth interviews, observations, and documentation of residents from various socioeconomic backgrounds in the Pekanbaru-Kampar SPAM service area. The results of the research indicate that factors such as household income, education level, perception of service quality, previous experience with water services, and social norms in the surrounding environment significantly influence the community's decision to subscribe. In addition, it was found that willingness to pay is not only influenced by financial capability but also by trust in the service provider institution and perceptions of the value of water as a public necessity. This research recommends community-based approaches and increased service transparency as strategies to enhance customer participation. This research is expected to contribute to the development of more inclusive and equitable clean water policies and promote sustainable development in the public service sector.
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DISRUPSI EKOSISTEM OTOMOTIF JEPANG DI INDONESIA: ANALISIS STRATEGI SENTRALISASI DAN PENETAPAN HARGA AGRESIF BYDDALAM TRANSISI EV
For decades, Indonesia's automotive industry has been dominated by a Japanese production ecosystem built upon long-term partnerships between Original Equipment Manufacturers (OEMs) and local suppliers. However, the recent entry of BYD—a Chinese electric vehicle (EV) manufacturer—has disrupted this well-established structure through its centralized supply chain strategy and aggressive pricing. This study aims to analyze the strategic impact of BYD’s business model on the Japanese automotive ecosystem in Indonesia, and to identify the key challenges within the broader context of the country’s EV transition.This research adopts a descriptive qualitative case study approach, utilizing semi-structured interviews with seven informants from Tier 1 and Tier 2 supplier companies serving Japanese OEMs. The data were analyzed using thematic analysis to identify recurring patterns in the experiences and perceptions of industry actors regarding the presence of BYD.Findings reveal that BYD’s centralized approach has weakened the involvement and bargaining power of local suppliers, creating structural tensions within the supply chain. Furthermore, despite offering competitive prices, BYD faces several long-term challenges in Indonesia, including inadequate charging infrastructure, safety concerns related to battery reliability, high total cost of ownership (TCO), and consumer skepticism about product quality. This study contributes to a deeper understanding of industrial disruption in developing countries and provides a foundation for developing adaptive strategies and inclusive industrial policies.
STRATEGI PEMASARAN DAN DIGITALISASI PADA USAHA GROSIR LOKASI TIDAK STRATEGIS : WARUNG BUDE
Wholesale businesses play an important role in the distribution of goods, but not all wholesalers are in strategic locations. Some of them operate in hidden places such as alleys, which makes it difficult for consumers to access and reduces business visibility. This condition has an impact on decreasing the number of customers, limited market reach, and less than optimal business growth. In facing these challenges, the right marketing strategy and adoption of digitalization are potential solutions to increase competitiveness. Digitalization through social media, e-commerce platforms, and digital payments can help wholesale businesses reach a wider market, introduce products eflectively, and increase operational efficiency. Unfortunately, many wholesale business actors in non-strategic locations still rely on conventional methods and have not optimized digital potential. Therefore, research is needed to explore the right marketing and digitalization strategies for wholesale businesses in less strategic locations so that they can survive and thrive in this era of modern competition.
STRATEGI PEMASARAN DALAM MENINGKATKAN MINAT JAMAAH PADA ERA DIGITAL DI KOTA BUKITTINGGI(Studi Kasus Pada Layanan Haji dan Umrah PT Sutra Tour Hidayah dan Travel Umrah)
The purpose of this research is to address the suboptimal use of digital marketing as a promotional medium in the digital era. Additionally, PT Sutra Hidayah Tour and Umrah Travel in Bukittinggi lacks sufficient resources in the marketing department. The objective of this study is to analyze the marketing strategies implemented by PT Sutra Hidayah to enhance awareness among Umrah pilgrims. This research employs a descriptive qualitative method, including interviews, observations, and documentation, which are then evaluated using SWOT analysis. The purpose of this analysis is to recognize and determine marketing strategies and develop alternative strategies to increase public interest The survey found that PT Sutra Hidayah Tour has several advantages, including the implementation of well- structured SOPs, attractive Umrah packages, collaborations with communities, and promotions through social media. Opportunities that can be leveraged include technological advancements, marketing expansion, a strategic location, and a better understanding of the millennial generation. Additionally, there are risks, including intense competition and low public trust. The results of the SWOT matrix recommend prioritizing the SO (Strengths and Opportunities) strategy, which utilizes internal strengths while optimizing external opportunities.
PEMBERDAYAAN MASYARAKAT MELALUI WAKAF TERNAK AYAM BERDASARKAN ASPEK KELEMBAGAAN DAN MODAL SOSIAL PADA YAYASAN AL ISLAM KOTA PAYAKUMBUH
Community empowerment is an effort carried out through a series of activities to strengthen the empowerment of a weak group in society to achieve a better life. Community empowerment is seen through the institutional aspects of waqf, social capital and productive waqf. The aim of this research is to obtain evidence of community empowerment through chicken livestock waqf based on institutional aspects of waqf and social capital at the Al Islam Foundation in Payakumbuh City. This research uses quantitative methods with the type of field research. Researchers used primary data through observations and questionnaries with total sampling techniques. This research used 35 samples for questionnaires which were analyzed using the SEM – PLS method. The results obtained in this research are that institutions do not have a significant influence on productive waqf, while social capital has a significant influence on productive waqf. Waqf institutions have a significant influence on community empowerment and social capital has a significant influence on community empowerment. The influence of waqf institutions on community empowerment through productive waqf for chicken farming does not have a significant effect. The influence of social capital on community empowerment through productive chicken farming endowments does not have a significant effect. The influence of productive waqf on community empowerment does not have a significant effect.
PENGARUH PENGGUNAAN DAN PEMANFAATAN TEKNOLOGI INFORMASI TERHADAP EFEKTIVITAS SISTEM INFORMASI AKUNTANSI PADAPT PEGADAIAN (PERSERO) KANTOR CABANG DENPASAR
The development of information technology has led to a shift in the use of manual information systems to computer-based information systems that allow various activities to be carried out more quickly, precisely, and accurately. The purpose of this study is to empirically prove the influence of the use and utilization of information technology on the eflectiveness of accounting information systems. This research was conducted at PT Pegadaian (Persero) Denpasar Branch Office. This study uses a quantitative approach with multiple linear regression analysis techniques. The population in this study was 74 people, with a nonprobability sampling method, namely by purposive sampling technique, so that a sample of 55 samples was obtained. The results of this study indicate that the influence of the use and utilization of information technology has a positive eflect on the eflectiveness of accounting information systems. The coefficient of determination (Adjusted R Square) obtained was 0.708, meaning that a percentage of 70.8% of the eflectiveness variable of the accounting information system can be explained by the variable of the influence of the use and utilization of information technology, while the remaining 29.2% is explained by other variables that were not studied. The implications of the results of this study are able to provide suggestions or input for pawnshops, especially PT Pegadaian (Persero) Denpasar Information Branch Office, in an eflort to improve the eflectiveness of the accounting system by paying attention to the use of information technology in carrying out its operational activities, and increasing the use of good information technology for the company.
Use and Utilization of Information Technology
Eflectiveness of Accounting Information Systems
STRATEGI PEMASARAN DALAM MENINGKATKAN PEMBIAYAAN MITRA GUNA ONLINE DI BSI KCP LUBUK SIKAPING
Mitraguna is a product of Bank Syariah Indonesia KCP Lubuk Sikaping, an online financing service. On the other hand, not everyone in Lubuk Sikaping is keen on utilizing the Mitraguna online loan service. The fact that very few clients actually use Mitraguna's online financing is the main issue with this research. Among other things, this is because some clients still have plenty of money in their pockets and don't require the loan. The result is that the Mitraguna online finance goal is not met by BSI KCP Lubuk Sikaping. Qualitative research methodologies were used in this study. Data collecting approaches by conducting observations, interviews and documentation. This study's findings reveal that Bank Syariah Indonesia KCP Lubuk Sikaping's marketing strategy for their Mitraguna online financing product follows the 9Ps of marketing: product, price, place, promotion, people, physical evidence, process, packaging, and public relations). Challenges include: 1) the community's lack of familiarity with Islamic banks and online partner funding, and 2) the necessity of going via Bank Syariah Indonesia's payroll system.
IMPLEMENTASI MANAJEMEN RISIKO DALAM MENGATASI PERMASALAHAN PEMBIAYAAN MURABAHAH DI BMT AL-HIJRAH BUKITTINGGI
The problem studied in this study is about the implementation of risk management in dealing with problematic murabahah financing at BMT Al-Hijrah Bukittinggi. The purpose of this study is to analyze the implementation of risk management in overcoming problematic murabahah financing at the institution. This type of research is classified as Descriptive Qualitative Research. Descriptive Qualitative Research is recognized as one type of research within the qualitative research category, where events and phenomena from individual lives are studied, and one or a group of people are asked to share their life experiences. In this approach, data is collected through methods of observation, interviews, and documentation. Data analysis is conducted in three main phases: data reduction, data presentation, and drawing conclusions. The results of this study indicate that the implementation of risk management in Murabahah financing at BMT Al Hijrah Bukittinggi has been carried out effectively. This is evidenced by the determination of requirements when financing is submitted and the implementation of a structured risk management process. The first step taken involves risk identification, which is conducted by applying the 5C principle (Character, Capacity, Capital, Collateral, and Economic Condition) along with 3R (Rescheduling, Reconditioning, and Restructuring), adjusted to the conditions and characteristics, as well as Sharia rules that prohibit business activities contrary to the teachings of Allah and government regulations. The identification process is conducted through the examination of financing needs, direct observation in the field, and reference to applicable policies. Furthermore, risk measurement is performed by grouping the quality of financing, followed by risk monitoring through routine inspections. Risk control is implemented through various steps, such as intensive monitoring, the setting of financing limits, the avoidance of risky financing, debt collection, the sending of reminder letters, and the provision of advice to customers. Although this risk management is implemented well, the risk cannot be completely eliminated. Therefore, the importance of risk prevention efforts is strongly emphasized by BMT Al Hijrah through understanding, assessing, measuring, and managing risks according to their nature.
ANALISIS KINERJA KEUANGAN BANK BCA SYARIAH MENGGUNAKAN PENDEKATANISLAMICITY PERFORMANCE INDEX (PERIODE 2019-2023)
This study aims to analyze the financial performance of BCA Syariah banks using the Islamicity Performance Index approach for the 2019-2023 period. So far, the measurement of Islamic bank performance has focused more on indicators similar to conventional banks that assess in terms of financial performance alone. So that a more comprehensive approach is needed such as the Islamicity Performance Index, to assess bank performance from the aspects of justice, halalness, and social welfare in accordance with sharia principles. This study uses quantitative methods with a descriptive approach. This study uses five indicators of Islamicity Performance Index, namely Profit Sharing Ratio, Zakat Performance Ratio, Equitable Distribution Ratio, Islamic Investment vs Non Islamic Investment and Islamic Income vs Non Islamic Income. The population in this study is BCA Syariah bank. Sampling using purposive sampling method at BCA Syariah bank which is available in the Annual Report 2019- 2023. Based on the results of data analysis and discussion, the results showed that the financial performance of BCA Syariah bank for the 2019-2023 period using the Islamicity Performance Index approach showed overall results obtained a score of 4 with a good predicate. Profit Sharing Ratio shows a score of 4 with a good predicate, Zakat Performance Ratio shows a score of 1 with a bad predicate, Equitable Distribution Ratio shows a score of 1 with a bad predicate, Islamic Investment vs Non Islamic Investment shows a score of 5 with a very good predicate, and Islamic Income vs Non Islamic Income shows a score of 5 with a very good predicate.
ANALISIS PENILAIAN KINERJA KEUANGAN BANK UMUM SYARIAH (BUS) DENGAN PENDEKATAN ISLAMICITY PERFORMANCE INDEX PERIODE 2021-2023
This study aims to determine the financial performance of Islamic Commercial Banks with the islamicity performance index approach. The background of the author choosing this title is because the conventional approach that only focuses on financial ratios such as Return on Assets (ROA) and Return on Equity (ROE) is not sufficient to describe the overall performance of Islamic banks. A more comprehensive approach is needed, such as the Islamicity Performance Index, to assess other aspects of performance that are more in line with sharia principles. This research is a quantitative descriptive method. This study uses four indicators of islamicity performance index, namely profit sharing ratio, zakat performance ratio, islamic income vs non islamic income, and islamic investment vs non islamic investment. The population in this study was 13 Islamic commercial banks. Sampling using purposive sampling method at Islamic commercial banks registered with the Financial Services Authority (OJK) during the 2021-2023 period. Based on the results of data analysis and discussion, the research results show that the financial performance of Islamic Commercial Banks for the 2021- 2023 period using the islamicity performance index approach shows the overall result of obtaining a score of 4 with a satisfactory predicate. Profit sharing ratio shows a score of 4 with a satisfactory predicate. For the zakat performance ratio, all banks still have a score of 1 with an unsatisfactory predicate. Islamic income vs non Islamic income, and Islamic investment vs non Islamic investment obtained a very satisfactory predicate, except Bank Mega Syariah obtained a score of 3 with a fairly satisfactory predicate on Islamic income vs non Islamic income. With this research, it can contribute to Islamic Commercial Banks to evaluate their performance which is still in the unsatisfactory category and maintain good performance.
ANALISIS DAMPAK KEPUASAN PELANGGAN DALAM HUBUNGAN ANTARA ORIENTASI PELAYANAN DAN KUALITAS PELAYANAN TERHADAP LOYALITASPELANGGAN PT TIKI CABANG MIMIKA
This study aims to determine and analyse the impact of customer satisfaction in the relationship between service orientation and service quality on customer satisfaction. To achieve this objective, an associative method was used, which is a method used to describe the relationship between one variable and another. The results of this study indicate that service orientation and service quality have a positive and significant influence on customer satisfaction. Similarly, service orientation and service quality have a positive and significant influence on customer loyalty. However, customer satisfaction does not have a significant influence on customer loyalty. Additionally, service orientation and service quality do not have a significant influence on customer loyalty through the mediation of customer satisfaction.
UANG DALAM DUA DUNIA: PRAKTIK DAN PEMAKNAAN DALAM EKONOMI KONVENSIONAL DAN ISLAM
Money is a fundamental element in the economic system that influences individual behavior, economic policy and social order. This article aims to compare the practice and meaning of money in conventional economics and Islamic economics. In conventional economics, money not only functions as a medium of exchange but also as a commodity that can be traded and speculated on, thus opening up space for usury practices and inequality in distribution. Meanwhile, Islamic economics views money as a medium of exchange that must be used productively and must not generate profits from the money itself. A descriptive qualitative approach is used through literature studies to examine the philosophical foundations and practical implications of the two systems. The results of the study show that Islamic economics emphasizes justice, balance and blessings in the use of money, in contrast to the materialistic approach in the conventional system
STRATEGI PEMASARAN PRODUK TABUNGAN EMAS di PT. PEGADAIAN UPC LUBUK SIKAPING
Marketing strategy will be very important because it is equally known that one of the goals of a business is to get many customers because it can increase the income of a business. The purpose of this study is to determine the marketing strategy of gold savings products of PT. Pegadaian UPC Lubuk Sikaping. In this writing, the research used is field research (field research) which is descriptive qualitative with data collection through observation, interviews and documentation. Researchers in this study tried to analyze the strategy used by PT. Pegadaian UPC Lubuk Sikaping in increasing the number of customers. The results of this study, PT. Pegadaian UPC Lubuk Sikaping in increasing the number of customers with the marketing strategy used, namely the Marketing Mix Strategy consisting of 7P, Product, Price, Place, Promotion, People, Process, and Physical Evidence.
ANALISIS EFEKTIVITAS PEMBIAYAAN MURABAHAH DALAM PERTUMBUHAN UMKM DI BMT AL-HIJRAH BUKITTINGGI
Murabahah financing is a form of sharia-based financing carried out through a sale and purchase agreement with an agreed profit margin. This study uses a descriptive qualitative approach, with data collection through interviews, observations, and documentation. The results of the study indicate that murabahah financing at BMT Al-Hijrah Bukittinggi is effective in supporting the growth of MSMEs. This is reflected in the increase in income, expansion of business scale, and business stability of MSME members receiving financing. The implementation of this financing complies with sharia principles, with supervision and monitoring carried out periodically to ensure the use of funds according to purpose. This study concludes that murabahah financing not only plays a role in improving the economy of MSME actors, but also strengthens the contribution of BMT as a sharia financial institution in community- based economic development.
PENGARUH TENAGA KERJA DAN MODAL TERHADAP PENDAPATAN KELOMPOK WAITA TANI (STUDI KASUS USAHA DENDENG JANTUNG PISANG DI KORONG KP. TANGAH KENAGARIAN LURAH AMPALU KAB. PADANG PARIAMAN)
The aim of this research is to analyze the influence of labor and capital on the income of a group of women farmers (case study of the banana blossom jerky business in Korong Kp. Tangah Kenagarian, Head of Ampalu District, Padang Pariaman District). This research is quantitative research, with data analysis techniques using statistical formulas, interview tools, observation and questionnaires. There were 30 respondents and data was collected through distributing questionnaires and documents obtained directly from the head of the women's farmer group. Using saturated samples taken from all members of the women farming group. This study's R-squared value of 59% indicates that capital and labour both influence income at the same time. In other words, 59% of the income-influencing factors are labour and capital. Furthermore, additional factors that were not included in this study account for 41% of the variation. The t test revealed that the women farmers' income was positively and significantly impacted by labour and capital. Government policymakers can utilize this information as a basis for choices about revenue growth, particularly in areas where regional development is a priority
STRATEGI PROMOSI DALAM MENINGKATKAN JUMLAH JAMAAH PADA PT BONITA ANUGRAH PRATAMA BUKITTINGGI
This study aims to examine the Promotion Strategy in Increasing the Number of Pilgrims at PT Bonita Anugrah Pratama Bukittinggi. The promotional strategy carried out to increase the number of pilgrims at Bonita Anugrah Pratama Bukittinggi by using SWOT analysis so as to increase the number of pilgrims and achieve company targets. The goal of the study is to use the SWOT matrix to identify opportunities, threats, vulnerabilities, and strengths in order to increase the number of pilgrims. The author of this work employed qualitative research as her research approach. This qualitative research method yields descriptive data in the form of observed behaviour and written or spoken language. gathering information by documentation, interviews, and observation. The study's findings, which came from an examination of marketing tactics aimed at boosting pilgrimage, were PT Bonita Anugrah Pratama are to use the S-T Strategy (Strength-Threath). It can be concluded that strengths and threats (ST) have the highest score of 2.94 compared to other strategies. So PT Bonita uses the S-T strategy, which is to optimize existing strengths in order to minimize external threats. From the strategies obtained, it shows that there are 3 promotional strategies to increase the number of pilgrims, namely by increasing advertising promotions through electronic media to build the image of Hajj and Umrah financing products, establishing partnerships to facilitate the process of demonstrating Umrah products and also better understanding the needs of prospective pilgrims both short and long term so as to increase the number of pilgrims
STRATEGI PENGEMBANGAN USAHA PENYEWAAN DAN PENJUALAN PERALATAN KEMAH PADA TOKO F-CAMP TANAH DATAR
This research is motivated by the slow development of business in the business of renting and selling camping equipment. This is the aim of this research to analyze and determine an effective strategy for business development in the rental and sales of camping equipment run by the F-Camp shop. The method used in this research activity is a qualitative method. Based on the results of SWOT, IFE, EFE, and Weight Score analysis, it can be concluded that the strategy needed by the F-Camp store is to utilize the strengths of the company and minimize any threats that have the potential to disrupt business development at the Tanah Datar F-Camp store. . The strategies obtained based on the results of the analysis include providing a sense of comfort for consumers and increasing the ability to compete with competitors, offering products at affordable prices and expanding market reach, increasing the amount of product inventory and establishing clear sanctions for damage to rental products, Maximizing the use of media social media as promotional media and establish cooperation with nature activists
ANALISIS PERILAKU NASABAH DALAM BERINVESTASI EMAS DI PEGADAIAN SYARIAH UPS MANGGIS KEC. MANDIANGIN KOTO SELAYAN KOTA BUKITTINGGI
This research aims to provide a comprehensive description of customer attitudes in funding gold at Pegadaian Syariah UPS Manggis, Mandiangin Koto Selayan District, Bukittinggi City and help improve the quality of services provided. This research uses a qualitative method in the form of field research, which cites information directly from the research location. The information collection method used is primary information obtained from the results of questions and answers and monitoring, and inferior information obtained from documents related to the research subject. The results of the research prove that important aspects that influence customer attitudes in funding gold at Pegadaian Syariah UPS Manggis are trust in the institution, security of investment, and expected profits. Trust in Pegadaian Syariah as a reliable and comfortable institution is a very powerful aspect. Not only that, ease of access to services and transparent data also support customer decisions in funding gold. Customer attitudes in funding gold are influenced by demographic aspects such as age, education, and income. Older, more intelligent customers with higher incomes tend to be more active in investing in gold.
PENGARUH STRATEGI PEMASARAN TERHADAP KEPUASAN KONSUMEN DI CAFE SABA DESA HUTARIMBARU KECAMATAN PANYABUNGAN SELATAN KABUPATEN MANDAILING NATAL
Muhammad Ali Hasan Lubis, 20090030. The Influence of Marketing Strategy on Consumer Satisfaction at Cafe Saba, Hutarimbaru Village, Panyabungan Selatan District, Mandailing Natal Regency, This research aims to determine the influence of marketing strategies on consumer satisfaction at Cafe Saba, Hutarimbaru Village, Panyabungan Selatan District, Mandailing Natal Regency. The sample used was 100 respondents using the Accidental Sampling method. By using a simple linear regression analysis method. The research results show that marketing strategy has a positive and significant effect on consumer satisfaction with a significance value of 0.000<0.05. The resulting coefficient of determination is 0.445, which means that 44.5% of changes in consumer satisfaction variables are explained by changes in marketing strategy variables, while the remaining 55.5% are explained by other variables not included in this research.
PENGARUH LABEL HALAL TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK WARDAH(Studi Kasus Pada Grosir Kosmetik Sinar Fajar di Kecamatan Panyabungan Kabupaten Mandailing Natal)
The aim of the research is to determine the significant influence of the halal label on purchasing decisions for Wardah cosmetic products at Sinar Fajar Wholesale. The type of research is a purposive quantitative approach. The research population is Sinar Fajar Muslim consumers who use Wardah cosmetics. Sampling used the Non-Probability sampling method with Purposive Sampling technique. The aim of this research is to determine the influence of the halal label on purchasing decisions for Wardah cosmetics. This research is useful for researchers, society and future researchers. The type of research used in this thesis is quantitative descriptive. This research involved a sample of 100 respondents. Validity was tested using factor analysis, validity test, reliability test, scatterplot test, T test, coefficient of determination test using Cronbach's Alpa and data normality test using P-plot. The data analysis technique uses simple linear regression with the SPSS Version 21 program. The halal label variable (X) influences the purchasing decision variable (Y) of Wardah cosmetics with a significant t value of 0.000 which is smaller than 0.05, an R value of 0.774, and an R square value of 0.599, meaning that the halal label is able to explain the dependent variable or purchasing decision by 0.599 x 100% = 59.9 percent while the other 42.6 percent is explained by the lan variable. Based on the research results, it can be concluded that the influence of the halal label has a significant influence on purchasing decisions for Wardah cosmetics. With a value of tcount < ttable or tcount > ttable (12.111 < 1.66055 or 12.111 > 1.66055) and the halal label has a strong relationship with purchasing decisions of 0.59.9.
PENGARUH BAURAN PEMASARAN (MARKETING MIX) TERHADAP PENINGKATAN JUMLAH CALON JAMAAH UMRAH DI PT. BIMALYNDO HAJAR ASWAD KOTA BUKITTINGGI
This article discusses the influence of the marketing mix (marketing mix) on increasing the number of prospective Umrah pilgrims at PT. Bilmalyndo Hajar Aswad, City of Bukittinggi, the main problem raised in this article is the lack of interaction between employees of the Umrah travel service provider, namely PT. Bilmalyndo Hajar Aswad for prospective service users who have not used Umrah travel services and there is no increase in the number of prospective Umrah pilgrims using tour travel services. The purpose of this study was to determine the effect of the marketing mix on increasing the number of prospective Umrah pilgrims and to find out the efforts made by PT. Bimalyndo in increasing the number of prospective pilgrims. This research is a quantitative research, which can be interpreted as a method based on the philosophy of positivism, used to examine certain populations or samples. The results showed that the multiple linear regression test obtained a constant value of 1.662, the regression coefficient on the Product variable was 0.201/20.1%, Promotion was 0.307/30.7%, Price was 0.351/35.1%, Place was 0.269/26.9%. Process 0.419/41.9%, Human 0.360/36%, and Physical Evidence 0.314/31.4%. This shows that if every 1% increase in the independent variable, it will affect the increase in Umrah Pilgrims Candidates by the value of the regression coefficient. For the test results the Coefficient of Determination (R2) is 78.1%, there are still other variables that can influence the increase in the number of prospective Umrah pilgrims by 21.9%. This means that this research can still be developed and studied to completion in order to get the effect of the overall value on the Increase in the Number of Prospective Jama'ah. PT. Bimalyndo can analyze more deeply regarding opportunities and steps that must be taken to attract customers by using the marketing mix reference theory in the service sector so that his efforts to increase the number of Umrah pilgrims in his company can be achieved.