PENDEKATAN INKLUSI KEUANGAN DAN TEORI PERILAKU TERENCANA DALAM ANALISIS PERILAKU UTANG

Debt behavior in daily life is not new; debt behavior is almost as old as human civilization because it has been detected since 3200 years BC. Until now debt behavior has become a trend in modern household life for a variety of reasons, therefore household debt behavior still has an appeal for a research study. The purpose of this study is: to test debt behavior with a financial inclusion approach and theory of planned behavior. Method: using the method of nonprobability sampling and purposive sampling, household units were sampled as many as 390 respondents with population areas of Pekanbaru City, Indonesia. The analytical tool used is SEM-warp PLS version 6. Findings: that TPB with three main elements namely behavioral attitudes, subjective norms and behavioral control can predict intentions and behavior of household debt, financial inclusion can then have a strong positive influence on debt behavior household. Conclusion: debt used as alternative income can smooth consumption, improve the quality of life and welfare in the household, but debt remains a burden and an obligation that must be paid by the household

URGENSI INTENSIFIKASI ZAKAT DI PROPINSI RIAU

This study aims to determine and analyze the urgency of Zakat Intensification in Riau province which is an absolute thing to improve the collection results so that it can improve the quality of life and create sustainable community welfare in Riau Province. Technical research was carried out using literature and observation methods. The results showed that the Intensification of Zakat in Riau Province Urgen (Important and Urgent) to be immediately carried out by the Regional Government of Riau Province together with the Legislature and Zakat Institutions and other elements of society, is useful so that the people of Riau Province can play an active role (participate) better in the future. in management, especially in maximizing the collection of Zakat, Utilization and new initiatives for the revival of Zakat in Riau. Recovery in people who are reluctant to give zakat needs to be done. One way is: by regulating sanctions, both criminal in the Regional Regulation for anyone Muslim and Muslim who do not want to deposit their zakat is recorded and given proportional sanctions, the point is to maximize zakat. More importantly, the intensification of zakat must be able to bring prosperity, prosperity and justice to all communities in Riau Province, and the need for synergy between the Regional Government of Riau Province with Baznas and LAZNAS to create various programs to intensify the collection of Zakat in Riau

INEQUALITY OF HOUSEHOLD INCOME IN INVOLUNTARY RESETTLEMENT AT KOTO PANJANG

This research examined inequality of household income transferred due to the construction involuntary resettlement of the Koto Panjang dam in Kampar District, Riau Province. Dam construction caused the displaced of the households in the location. The households received compensation in the form of buildings and land. Even though the displaced household received the same compensation but some households had better lives while others were worse. This condition showed the inequality of household income in the new location. This study used primary data that obtained through questionnaires in 3 sub-districts of 10 villages. The analytical tool used to see the income inequality was the Gini ratio. This study found that the inequality of household income transferred in Koto Panjang was moderate. This showed that the households that have been moved due to the construction of the Koto Panjang Dam have been quite good compared to before.

THE RELATIONSHIP OF SERVICE QUALITY, TRUST, AND SATISFACTION OF MUSLIM PATIENTS IN ARAFAH ISLAMIC HOSPITAL JAMBI WITH ISLAMIC ECONOMIC APPROACH

This study aimed to know the direct effect of service quality, on the satisfaction and trust of Muslim patients in Arafah Islamic hospital in Jambi city. The design of this study used a quantitative method with a survey approach to obtain primary data, namely by distributing questionnaires to 140 inpatients in Arafah Islamic hospital in Jambi city using the purposive sampling method. Then quantitative data was processed using Structural Equation Model (SEM) with the application of SmartPLS 3. The results of this study indicated that service quality has a significant effect on satisfaction and trust, as well as satisfaction has a significant effect on trust. This research was expected to make a practical contribution to management of Islamic hospital for an effort to increase patient satisfaction and trust.

THE SUCCESS ANALYSIS OF IMPLEMENTATION OF THE ELECTRONIC SYSTEM INTEGRATED FINAL PROJECT OF JAMBI UNIVERSITY STUDENTS WITH DELONE AND MCLEAN MODEL APPROACH

The purpose of this research was able to prove empirically about the Delone and Mclean Models for the evaluation of ELISTA information systems at Jambi University. In addition, this research was also expected to provide feedback to improve the efficiency and effectiveness of the implementation of information systems and can be known the factors that cause the success or failure of the implementation of an information system so that the results of this study can be used as a strategic guideline model for information system development in the university and other institutions. The type of data used in this study was primary data obtained directly from respondents using a list of statements in the form of a questionnaire. Final year students who write the thesis are targeted in this study. To calculate the determination of the number of samples, the sampling method used the Hair method. The total sample of this study was 220 people. Methodology Data analysis was carried out using SEM techniques using SmartPLS tools. The findings in this study found that the system quality does not affect the user satisfaction, while other hypotheses such as information quality, service quality, system use affect user satisfaction, for system quality, information quality, and service quality affect the system use. Likewise the system use affects user satisfaction and system use, user satisfaction has an influence on net benefits.

PENGARUH RELIGIUSITAS DAN KOMUNITAS TERHADAP MOTIVASI BERWIRAUSAHA PARA PEMUDA

The purposes of the study were to determine how the influence of religion and community on the entrepreneurial motivation of youth. The data used in this study are primary data as many as 20 young people as a sample who are members of the hijrah youth community Padang Gantiang Batusangkar. Data obtained by interview technique through questionnaire using Likert scale. The research model is multiple linear regression by making religion and community as independent variables while entrepreneurial motivation is the dependent variable. The data is then processed with the SPSS program to answer research questions. The results indicated that there is a significant influence between religiosity and entrepreneurial motivation of youth, while community variables do not significantly influence the entrepreneurial motivation of youth. The results of this study explain that to build entrepreneurial motivation for youth, the role of religiosity is needed

HUMAN RESOURCE MANAGEMENT STRATEGY IN IMPROVING BAZNAS PERFORMANCE IN DIGITAL ERA

The growth of zakat in Indonesia is very rapid, this is because the majority of Indonesia's population is Muslim so the development of Islamic social financial institutions has an important role for the community. On the other hand, zakat has a potential contribution in reducing poverty. The purpose of this research is to analyze the strategy of developing human resources in improving the performance of BAZNAS in the digital age. Accuracy in placing human resources and the ability to respond responsively to the progress of the digital age are indicators that are measured to determine the extent of BAZNAS capabilities in the digital age. The research method used is descriptive qualitative by obtaining factual data to be used as an analytical tool in this study. The expected outcome is a strategy to develop human resources that are oriented to improving the competence of BAZNAS human resources in the digital world and also have sharia values characteristics ranging from recruitment placement to evaluating human resource performance.

PENGARUH BRAND IMAGE, REFERENCE GROUP, DAN RELIGIOSITY TERHADAP PURCHASE INTENTION (MAHASISWA) DALAM MENGGUNAKAN JASA PERBANKAN SYARIAH DI WILAYAH JAKARTA SELATAN

The desire of a consumer to buy a product or service is influenced by the attitude they have, because this will be felt by consumers when determining the purchase intention of the product or service and deciding whether to use it again or not. Thus, this study aims to examine the effect of brand image, reference group, and religiosity on college purchase intention (students) in South Jakarta. Data collection techniques used an online questionnaire with a sample of 103 respondents in the South Jakarta area and had never used the services of a Sharia Bank. Data analysis using multiple regression analysis with SPSS 23 program. The conclusion of this study is that brand image has a significant positive effect on purchase intention, the reference group has a positive but not significant effect on purchase intention, and religiosity has a significant positive effect on purchase intention.

VALUE OF INNOVATION BASIS ON SHARIAH

The purpose of this paper is to analyze value of innovation as the role mediating in the relationship between NPD Innovation and NPD Performance, and also to clarified in Exploratory Factor Analysis and Confirmatory Factor Analysis. We proposed value of innovation basis on shariah as mediating role in this study developed from diffusion of innovations theory. The questionnaires will be given to only the managers of the board of shariah micro finance in Pekalongan and Banyumas, Indonesia with total 171 responden from 27 LKMS (Baitul Maal wa Tamwil, Baitul Tamwil, Kospin Jasa Shariah, and KSPP Shariah). Value of innovation basis on shariah significantly affect to marketing performance. Research limited in first order, future research can examined in second order research. LKMS adapted value of innovation basis on shariah to get product launch easily. Value of innovation basis on shariah as the new variable and theory concept. Indirect, NPD Innovation positive significantly affect to marketing performance with value of innovation basis on shariah and product launch success are as mediating role.

IMPLEMENTASI ISLAMIC TOURISME DALAM MENINGKATKAN PENGHASILAN IBU-IBU RUMAH TANGGA MISKIN DI KOTA PADANG

This paper discusses the concept of Islamic tourism. This research is focused to find out the implementation and development of Islamic tourism on the Padang coast and then to find out its impact in increasing the income of housewives on Padang Beach. This study uses a qualitative approach in obtaining and processing desired data. Then the data obtained is described to be able to describe the development of Islamic tourism on the coast of Padang. Data collection for research purposes obtained through interviews, observations, and documentation. The results of this study are tourist attractions in Padang beach are still heading to the characteristics of halal tourism, because there are still several places that violate the characteristics of halal tourism. Then business people who are around the coast of Padang strongly support the existence of halal tourism discourse in the city of Padang. The income of housewives who have businesses around the coast of Padang has increased