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:
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.
PENGARUH KOMPETENSI PERANGKAT DESA TERHADAP AKUNTABILITAS PENGELOLAAN DANA DESA DI KOTA PAYAKUMBUH
This research aims to determine whether there is a significant influence between the competence of village officials on the accountability of village fund management. The population in this study is one of the village officials in Payakumbuh City, totaling 47 sub-districts. The sample in this study also consisted of 47 village officials using a satured sampling technique. The data collection method is a questionnaire. The data analysis method uses descriptive statistical analysis. The research result show that the competence of village fund management. This statement is based on the result of the partial test (t test) with a significance value of 0.008 which is 0.05 and seen from the calculated t value of 2.749 ˃ t table 2.011.
ANALISIS PERAN ZAKAT DALAM MENINGKATKAN KESEJAHTERAAN USAHA KECIL DAN MENENGAH DI KOMUNITAS MUSLIM DI KOTA MEDAN
This research aims to analyze the role of zakat in improving the welfare of Small and Medium Enterprises (UKM) in the Muslim community in Medan City. Zakat, as a financial instrument in Islam, not only functions as a religious obligation but also has great potential in reducing poverty and social injustice. SMEs in Medan City, which are an important pillar in the local economy, often face challenges such as limited capital, limited market access, and low managerial skills. This research uses a qualitative approach with a case study method to explore how zakat can be optimized to provide a positive impact on the development of SMEs. Data was collected through in-depth interviews with zakat managers, zakat-receiving SMEs, and Islamic economic experts, as well as through analysis of related documents. The research results show that zakat plays a significant role in supporting SMEs by providing the necessary capital assistance, training and mentoring. Appropriate and effective distribution of zakat can increase the capacity of SMEs, expand market access, and improve the managerial skills of business actors. Factors that influence the effectiveness of zakat distribution include transparency and accountability of zakat management institutions, active participation from the community, and support from government policies.
STRATEGI UNIT PENGELOLA KEGIATAN (UPK) SYARIAH TUJUAH SARUMPUN DALAM PEMBERDAYAAN EKONOMI MASYARAKAT KECAMATAN AMPEK ANGKEK KABUPATEN AGAM
This research is motivated by the economic decline of the community in Ampek Angkek in recent years. The research aims to analyze the appropriate strategy for empowering the community's economy carried out by UPK Syariah Tujuhah Sarumpun. The method used in this research is a qualitative method and analyzed using SWOT Analysis. After conducting research, several results and findings were obtained. In the implementation of community economic empowerment, the formation of a Sharia UPK Joint Business Group was discovered. Sharia Micro Funding and Inviting people to save. Strategy analysis revealed several WT strategies that could be implemented by UPK Syariah Tujuah Sarumpun in the form of: Updating regulations but remaining firm. Improving the financial management of UPK Syariah Tujuah Sarumpun. Providing education and spiritual encouragement to UPK Syariah employees to raise self- motivation. Recruit better human resources, so they can carry out their duties optimally. Then several inhibiting factors were also found in community economic empowerment, namely: Limited facilities, resulting in less than optimal community empowerment, the existence of people who were less honest and lacked commitment in implementing existing programs. The public lacks understanding of bookkeeping and good financial management. The limited funding provided by UPK Syariah means that the impact felt by the community in economic empowerment is less. Then, supervision is carried out by forming a supervisory team, implementing periodic reporting, field visits, program evaluation, conducting financial audits, Sharia supervision.
ANALISIS PENGARUH PAJAK HOTEL DAN PAJAK RESTORAN TERHADAP PENDAPATAN ASLI DAERAH KOTA PAYAKUMBUH
Dampak pajak hotel dan restoran inilah yang mendorong dilakukannya penelitian ini. Individu dan badan sama-sama wajib membayar pajak, yang mengikat secara hukum dan tunduk pada penegakan hukum. Dampaknya tidak langsung terlihat, namun negara memanfaatkannya dengan baik bagi warganya. Pemerintah negara bagian mengandalkan pendapatan pajak untuk mendanai berbagai program dan layanan yang berkontribusi terhadap kesejahteraan umum warganya. Penelitian ini bertujuan untuk mengukur dampak pajak hotel terhadap PAD (Pendapatan Asli Daerah) Kota Payakumbuh. Penelitian ini menggunakan teknik deskriptif dan induktif untuk menganalisis data. Penelitian menghasilkan persamaan regresi linear berganda berikut ini: Y=29565, 452 + 0,019 X1 - 0,91X2. Pada α=0,05 uji hipotesis secara simultan menghasilkan tingkat signifikansi sebesar 003 atau Nilai Fhitung sebesar 3,464 mempunyai nilai yang lebih tinggi dibandingkan dengan nilai Ftabel sebesar 2,96. Nilai gabungan R-squared sebesar 0,633 menunjukkan reliabilitas sebesar 63,3%. Pajak yang dipungut oleh hotel dan restoran menyumbang 63,3% dari keseluruhan pendapatan yang dihasilkan di wilayah tersebut, sedangkan sumber lain yang belum diteliti menyumbang 36,7 persen sisanya.
ANALISIS PENGARUH FASILITAS DAN AKSESIBILITAS TERHADAP KEPUASAN WISATAWAN DI DESTINASI KAPALO BANDA TARAM KABUPATEN LIMA PULUH KOTA
This research aims to identify and analyze the effects of facilities (X1) on tourist happiness (Y), the effects of accessibility (X2) on tourist happiness (Y) and the effects of facilities (X1), accessibility (X2) simultaneously on tourist happiness (Y) at the Kapalo Banda Taram tourist destination, 50 Kota Regency. The type of research used in this research is quantitative descriptive research with a quantitative approach and a type of field research using a questionnaire and the number of research illustrations is 100 respondents. The research method used to continue this research uses a quantitative research method with a descriptive approach. By using elasticity in this research is free elasticity (facilities and accessibility) to limited elasticity (happiness). The results of this research are through multiple linear regression analysis proving that there is a significant effect on facilities and accessibility at the Kapalo Banda Taram destination, 50 Kota Regency.
ANALISIS PENGARUH PENANAMAN MODAL ASING, PENDAPATAN ASLI DAERAH DAN KETIMPANGAN PENDAPATAN TERHADAP INDEKS PEMBANGUNAN MANUSIA DI KABUPATEN MIMIKA
This study aims to determine the influence of foreign investment, regional original income, and income inequality in the human development index in Mimika Regency, both partially and simulaneously. The method used is this study is associative. The data collection technique employed by the researchers is documentation. The analytical tool used in this research is multipe linear regression analysis. The results of the study indicate that foreign investment, regional original income, and income inequality partially do not significantly affect the human development index in Mimika Regency, However, simultaneously, foreign investment, regional original income, and income inequality significantly affect the human development index in Mimika Regency
ANALISIS DAMPAK INDUSTRI TERHADAP POLUSI UDARA (STUDI KASUS INDUSTRI MINYAK DAN GAS BUMI DI KABUPATEN TANGGAMUS LAMPUNG)
The oil and gas industry plays an important role in the economy, but on the other hand, its activities have the potential to pollute the environment, particularly air quality. This study aims to analyze the impact of the oil and gas industry on air pollution in Tanggamus Regency, Lampung. The study was conducted by collecting primary data through air quality measurements around the industrial area and interviews with the community and industry workers. In addition, secondary data regarding industrial activities and environmental management policies were also analyzed. The research findings show that oil and gas exploitation activities in Tanggamus lead to an increase in the concentration of dust particles and emissions of harmful gases in the air, such as carbon monoxide (CO) and nitrogen oxides (NOₓ), which pose a risk to public health and environmental quality. The study also found that despite some mitigation efforts, air pollution management still needs to be strengthened to minimize negative impacts on ecosystems and human health. The recommendations include improving environmentally friendly technology, stricter monitoring, and implementing more effective policies for controlling air pollution.
Dela Eka Sasputri, M Rafiudin Safikri, Alva Yenica Nandavita
EFEKTIVITAS PENGGUNAAN QRIS SEBAGAI ALAT PEMBAYARAN NONTUNAI DENGAN PENDEKATAN TEORI TECHNOLOGY ACCEPTANCE MODEL (TAM)(Studi Kasus Masyarakat Kec. Rengat, Kab. Indragiri Hulu, Prov. Riau)
This inquiry was prompted that there were still people in Rengat who do not know about QRIS as a non-cash payment style and some who already know about QRIS as a non-cash payment style but have not used it because it is more convenient to use cash than non-cash money. The purpose of this study was to investigate the effectiveness of adopting QRIS as a non-cash payment style among the people of Rengat (millennial generation) and how much effectiveness of using QRIS as a non-cash payment style is among the people of Rengat (millennial generation). This form of examination employs quantitative research with a descriptive method, this inquiry was done in the Rengat community. The population in this study was the young adult in the Rengat community 20 to 40 years totaling 17,450 people. The sample was drawn from non-probability samples, and there were 99 people in all. The evidence gathering technique employed in this study was a poll. The data analysis method used in this investigation is descriptive effectiveness analysis, which is carried out while performing calculations exactly in accordance with the formula by accumulating the total points of the respondent's response results received in portions while accumulating the ideal score and then multiplying by 100%. Furthermore, the score obtained will be converted through the effectiveness measurement standard. The studys findings denote that adopting QRIS as a non-cash payment instrument in the Rengat community (millennial generation) is quite high. This is supported by the data collecting findings acquired from the data analysis procedure, where the value of each indicator is 84.12%, indicating a very high degree of effectiveness based on the effectiveness assessment criteria.
IMPLEMENTASI DIGITAL MARKETING UNTUK MENINGKATKAN PENJUALAN PAKET UMROH(STUDI KASUS PT. TRIDAYA PESONA WISATA CABANG BUKITTINGGI)
This research aims to determine the implementation of digital marketing at PT. Tridaya Pesona Wisata Bukittinggi Branch and find out the impact of implementing digital marketing to increase sales of Umrah packages at PT. Tridaya Pesona Wisata Bukittinggi Branch. This type of research is field research, which takes data directly from the research site. Based on the results of the research conducted, it is clear that the digital marketing carried out by PT Tridaya Pesona Wisata Bukittinggi branch is in line with Yazer Nasdini's theory which states that there are indicators in the implementation of digital marketing, namely accessibility, interactivity, entertainment, trust, irritation and informativeness. The digital marketing instruments used by PT Tridaya Pesona Wisata include websites and social media marketing such as: Facebook and Instagram. As well as the positive and effective impact of implementing PT Tridaya Pesona Wisata's digital marketing which helps provide accurate and detailed information to prospective pilgrims as well as increasing sales of Umrah packages and the number of pilgrims using Umrah travel services with PT. Tridaya Pesona Wisata Bukittinggi Branch.