Elex Sarmigi | State Islamic College of Kerinci (original) (raw)
Papers by Elex Sarmigi
Jurnal Akuntansi dan Manajemen, Nov 6, 2023
PPSDP International Journal of Education
This research examined the effect of participatory leadership style and individual creativity on ... more This research examined the effect of participatory leadership style and individual creativity on teacher performance. In addition, this research also examines whether the existence of the variable job satisfaction mediates the relationship between participatory leadership style and individual creativity on teacher performance. This research was conducted on 80 respondents who were high school teachers in Kerinci Regency. The research data was collected using an online questionnaire (google form). The data analysis technique of this research is Structural Equation Model (SEM) analysis with the help of the SmartTPLS 3.0 application. This study found that the participatory leadership style positively and significantly affects job satisfaction and teacher performance. While individual creativity does not significantly affect job satisfaction, it significantly affects teacher performance. Job satisfaction does not affect teacher performance. Job satisfaction is also not proven to be able...
Journal of Business Management and Islamic Banking
Research Aims: The purpose of this study was to determine the effect of promotion and service qua... more Research Aims: The purpose of this study was to determine the effect of promotion and service quality on students' interest in choosing SIPINTAR products at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. Methodology: This study uses a quantitative research design with a survey approach. The research sample was 60 students in Kerinci Regency while the sampling technique was the convenience sampling method. The data analysis technique used multiple linear analysis, while the hypothesis testing used the statistical t test and F test with the help of the IBM SPSS 26 application. Research Findings: The results of this study found that partially promotion had a positive and significant effect on students' interest in using SIPINTAR products, while service quality had no effect on students' interest in using SIPINTAR PT. Kerinci Development People's Credit Bank. The results of the F test show that promotion and service quality simultaneously have a significant effect on u...
PPSDP International Journal of Education
The purpose and objective of this research is to see how the factors of leadership and organizati... more The purpose and objective of this research is to see how the factors of leadership and organizational culture directly affect teacher performance. The sample is the teachers of SMAN 4 Kerinci totaling 72 people, instrument is questionnaire. The collected data was then analyzed by path analysis method with the help of SMARTPLS 3.0 software. The results of this study found that leadership factors and organizational culture affect teacher performance both directly and indirectly which are mediated by work motivation. The effect of work motivation on the influence of leadership and organizational culture on teacher performance is partial mediation.
JBMP (Jurnal Bisnis, Manajemen dan Perbankan)
The purpose of this research is to look into the direct and indirect effects of service quality a... more The purpose of this research is to look into the direct and indirect effects of service quality and trust on customer loyalty, as mediated through customer satisfaction. The study is based on a sample of 85 customers who used ATM services at the PT. Bank 9 Jambi, Kerinci Branch. This Study approach is used to calculate sample size, and data is collected utilizing an incidental sampling strategy using a questionnaire. For data analysis, Smart PLS 3.0 software is used to assist path analysis. According to the findings, neither service quality nor trust have a statistically significant influence on customer loyalty, whether directly or indirectly through customer pleasure. Customer pleasure, on the other hand, has a positive and considerable impact on customer loyalty. Furthermore, the study discovers a favorable and significant link between service quality and client trust. These findings provide light on the complex dynamics of service quality, trust, customer satisfaction, and loyal...
Ishlah: Jurnal Ilmu Ushuluddin, Adab dan Dakwah
This study aims to see whether the public welfare can be shaped by the culture and religiosity of... more This study aims to see whether the public welfare can be shaped by the culture and religiosity of the Public. Therefore, this research was conducted on the people of Kerinci Regency who consistently maintain their ancestral culture, namely the rice harvest feast culture, besides that the majority of the people of Kerinci Regency also adhere to Islam. So for the purposes of this study, a sample of 435 respondents was taken using purposive sampling technique. To analyze the data, multiple linear regression analysis was carried out with the help of the IBM SPSS 25 application. The results of this study found that both partially and simultaneously the culture of rice harvest and religiosity had an effect on the public welfare of Kerinci Regency, with a magnitude of 39.3%.
Jurnal I-Philanthropy: A Research Journal On Management Of Zakat and Waqf
This study aims to determine the interest-free loan management system by BAZNAS for MSME business... more This study aims to determine the interest-free loan management system by BAZNAS for MSME business development in the Sungai Penuh City. The subject of this research is the manager and mustahik of BAZNAS Sungai Penuh City. The informants in this study were leaders and mustahik at BAZNAS, the Sungai Penuh City. This study applies a qualitative approach to data collection techniques by conducting interviews. The results of this study found that capital assistance that was loaned without interest by BAZNAS of Sungai Penuh City had not been fully successful. Supporting factors for the application of interest-free loans at BAZNAS Sungai Penuh City are good human resources and good work procedures. While the inhibiting factor is that the borrowers experience problems in repaying. The strategy carried out by BAZNAS Sungai Penuh City is to help the poor, such as assistance that is consumptive or assistance that is productive in nature, the requirements for getting assistance from BAZNAS are ...
e-Journal Apresiasi Ekonomi, Jun 28, 2022
Al Fiddhoh: Journal of Banking, Insurance, and Finance
This study aims to determine the effect of facilities and intellectuality on employee performance... more This study aims to determine the effect of facilities and intellectuality on employee performance at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. The population in this study amounted to 40 people, namely all employees of PT. People's Credit Bank for Kerinci Development. While the sample size of 35 respondents with the sampling technique Probability Sampling is a sampling method in which every member of the population has the same opportunity to be selected as a sample. The data analysis technique used in this research is Multiple Linear Regression Analysis. The study results stated a significant influence between facilities and intellect on the performance of employees of PT. BPR Pembangunan Kerinci partially or simultaneously has a significant influence.
Jurnal Ekonomi dan Bisnis
This study aims to examine the effect of training and work discipline on employee performance. Th... more This study aims to examine the effect of training and work discipline on employee performance. The population of this research are pawnshop employees in Sungai Penuh City. To collect data, this study used a questionnaire. The data collected was then analyzed using statistical analysis tools, namely multiple regression analysis using the IBM SPSS 25 application. The results of this study indicate that both partially or simultaneously Training and Work Discipline have a positive and significant effect on Employee Performance at the Pegadaian Kota Sungai Penuh.
AL FIDDOH ISLAMIC BANK JOURNAL, Jun 26, 2021
Al Fiddhoh: Journal of Banking, Insurance, and Finance
This stady aims to analyze the financial perfomace of one of the islamic banks in Indonesia based... more This stady aims to analyze the financial perfomace of one of the islamic banks in Indonesia based on the profitability ratios before and during the covid-19 pandemic. As for the object in this study, namely PT. Bank Rakyat Indonesia Syariah Tbk. In this study the authors manage all aspects of the research contained in the profitability ratios including return on asset, return on equity, operating costs, net profit margi and gross profit margin with the hope that the final result of the research can find out whether there is a profitability comparasion at PT. Bank Rakyat Indonesia Syariah before and during covid-19 or there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah before and during covid-19. As for this type of research is a type of comparative descriptive research with a quantitative approach. The data contained in this study is non-parametric data with the Wilxocon test analysis technique using SPSS. With the results of the study there is a comparasio...
Jurnal Ilmiah Manajemen dan Bisnis
Tujuan dari penelitian ini adalah untuk menguji pengaruh pertumbuhan penjualan, pertumbuhan perus... more Tujuan dari penelitian ini adalah untuk menguji pengaruh pertumbuhan penjualan, pertumbuhan perusahaan, dan ukuran perusahaan terhadap nilai perusahaan. Perusahaan dengan pertumbuhan penjualan, pertumbuhan perusahaan, dan ukuran perusahaan yang tinggi belum tentu mencerminkan nilai perusahaan juga tinggi. Nilai perusahaan yang tinggi merupakan keinginan semua pihak internal maupun eksternal, sebab dengan begitu kemakmuran pemegang saham juga akan tinggi. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Jenis data yang digunakan adalah data sekunder dari perusahaan sektor makanan dan minuman yang diperoleh melalui website resmi Bursa Efek Indonesia. Teknik analisis data yang digunakan adalah analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa pertumbuhan penjualan berpengaruh positif dan signifikan terhadap nilai perusahaan. Pertumbuhan perusahaan berpengaruh positif dan tidak signifikan terhadap nilai perusahaan. Ukuran perusahaan berpengaruh nega...
Purpose: The development of the world of tourism at this time has become one of the factors that ... more Purpose: The development of the world of tourism at this time has become one of the factors that boost the community's economy, therefore several factors need to be analyzed to obtain important information for tourism object managers in order to create value for visitors. The factors analyzed in this study are facilities, location, and price in shaping consumer behavior to visit the Bukit Khayangan tourist attraction, Sungai Penuh City. Design/Methodology/Approach: To get answers to the hypotheses formed, multiple regression analysis is carried out to answer the research objectives that have been prepared, namely by conducting t-test and F-test. Findings: From hypothesis testing, it is known that all independent variables in this study have a positive effect on the dependent variable, either partially or simultaneously. Research implications: From the results of this study, it is known that to attract consumers' interest in visiting a tourist attraction, it is necessary to h...
The main objective of this research is to identify and analyze the contribution of third party fu... more The main objective of this research is to identify and analyze the contribution of third party funds and the growth of financing in determining profitability in Islamic commercial banks in Indonesia for the period 2015-2019. Where profitability is the dependent variable and third party funds and financing growth is the independent variable. This Research type represent the quantitative research is comparability origin.. The data used in this study are secondary data, namely the financial statements of 6 Islamic public banks from the 2015 - 2019 period. The statistical method in this research is multiple linear regression analysis and correlation analysis using IBM SPSS Statistic 25.The results of this study indicate that simultaneously third party funds and financing growth have a significant effect on the profitability of Islamic Commercial Banks. As partially, the Current Party Fund has a significant effect on the profitability of Islamic Commercial Banks, and financing growth doe...
Jurnal Benefita, 2019
This research was conducted to population of this researchis the college student study program Ac... more This research was conducted to population of this researchis the college student study program Accounting in Sakti Alam Kerinci School of Economic. In this study the researchers took a sample of 98 students Accounting as respondents in this study analysis tool used is Descriptive Analysis intends to describe the characteristics of each research variable that is the achievement of respondents' answers (TCR) and also use Utility Theory and Contingency Theory to see the application of Behavior Accounting in Accounting Student Sakti Alam Kerinci School of Economic. Based on the result of Descriptive Analysis, there are achievement of respondent's answer (TCR) that is on Utility theory of decision making variables with highest percentage of 78%,
Jurnal Apresiasi Ekonomi
Penelitian ini bertujuan untuk mengetahui Pengaruh Manajemen Keuangan Daerah dan Good Governance ... more Penelitian ini bertujuan untuk mengetahui Pengaruh Manajemen Keuangan Daerah dan Good Governance terhadap Kinerja Pemerintah di Kabupaten Kerinci. Populasi penelitian ini adalah karyawan di Kabupaten Kerinci, menggunakan purposive sampling. Jumlah responden sebanyak 75 orang. Data dikumpulkan dengan kuesioner dan analisis data menggunakan regresi berganda. Hasil penelitian menunjukkan bahwa Manajemen Keuangan Daerah dan Good Governance baik secara parsial maupun simultan berpengaruh terhadap Kinerja Pemerintah di Kabupaten Kerinci. Kontribusi pengaruh Manajemen Keuangan Daerah dan Good Governance terhadap Kinerja Pemerintah di Kabupaten Kerinci adalah 51% dan 49% sisanya dijelaskan oleh sebab lain yang tidak diteliti dalam penelitian ini.
Proceedings of the 6th Annual International Conference on Management Research (AICMaR 2019), 2020
This study intends to analyze the impact of Covid-19 on the development of Micro, Small and Mediu... more This study intends to analyze the impact of Covid-19 on the development of Micro, Small and Medium Enterprises in Kerinci Regency. This research was conducted during the Covid-19 pandemic in the period March to May 2020. The population of this research is Micro, Small and Medium Enterprises in Kerinci District, where the sample of this study amounted to 150 taken with quota sampling techniques. To analyze the data of this study using simple linear regression analysis to see whether there is an influence of Covid-19 on the development of Micro, Small and Medium Enterprises in Kerinci Regency. The results showed that covid-19 had a negative influence on the development of Micro, Small and Medium Enterprises in Kerinci Regency, where the magnitude of influence was 4.1%.
Jurnal Akuntansi dan Manajemen, Nov 6, 2023
PPSDP International Journal of Education
This research examined the effect of participatory leadership style and individual creativity on ... more This research examined the effect of participatory leadership style and individual creativity on teacher performance. In addition, this research also examines whether the existence of the variable job satisfaction mediates the relationship between participatory leadership style and individual creativity on teacher performance. This research was conducted on 80 respondents who were high school teachers in Kerinci Regency. The research data was collected using an online questionnaire (google form). The data analysis technique of this research is Structural Equation Model (SEM) analysis with the help of the SmartTPLS 3.0 application. This study found that the participatory leadership style positively and significantly affects job satisfaction and teacher performance. While individual creativity does not significantly affect job satisfaction, it significantly affects teacher performance. Job satisfaction does not affect teacher performance. Job satisfaction is also not proven to be able...
Journal of Business Management and Islamic Banking
Research Aims: The purpose of this study was to determine the effect of promotion and service qua... more Research Aims: The purpose of this study was to determine the effect of promotion and service quality on students' interest in choosing SIPINTAR products at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. Methodology: This study uses a quantitative research design with a survey approach. The research sample was 60 students in Kerinci Regency while the sampling technique was the convenience sampling method. The data analysis technique used multiple linear analysis, while the hypothesis testing used the statistical t test and F test with the help of the IBM SPSS 26 application. Research Findings: The results of this study found that partially promotion had a positive and significant effect on students' interest in using SIPINTAR products, while service quality had no effect on students' interest in using SIPINTAR PT. Kerinci Development People's Credit Bank. The results of the F test show that promotion and service quality simultaneously have a significant effect on u...
PPSDP International Journal of Education
The purpose and objective of this research is to see how the factors of leadership and organizati... more The purpose and objective of this research is to see how the factors of leadership and organizational culture directly affect teacher performance. The sample is the teachers of SMAN 4 Kerinci totaling 72 people, instrument is questionnaire. The collected data was then analyzed by path analysis method with the help of SMARTPLS 3.0 software. The results of this study found that leadership factors and organizational culture affect teacher performance both directly and indirectly which are mediated by work motivation. The effect of work motivation on the influence of leadership and organizational culture on teacher performance is partial mediation.
JBMP (Jurnal Bisnis, Manajemen dan Perbankan)
The purpose of this research is to look into the direct and indirect effects of service quality a... more The purpose of this research is to look into the direct and indirect effects of service quality and trust on customer loyalty, as mediated through customer satisfaction. The study is based on a sample of 85 customers who used ATM services at the PT. Bank 9 Jambi, Kerinci Branch. This Study approach is used to calculate sample size, and data is collected utilizing an incidental sampling strategy using a questionnaire. For data analysis, Smart PLS 3.0 software is used to assist path analysis. According to the findings, neither service quality nor trust have a statistically significant influence on customer loyalty, whether directly or indirectly through customer pleasure. Customer pleasure, on the other hand, has a positive and considerable impact on customer loyalty. Furthermore, the study discovers a favorable and significant link between service quality and client trust. These findings provide light on the complex dynamics of service quality, trust, customer satisfaction, and loyal...
Ishlah: Jurnal Ilmu Ushuluddin, Adab dan Dakwah
This study aims to see whether the public welfare can be shaped by the culture and religiosity of... more This study aims to see whether the public welfare can be shaped by the culture and religiosity of the Public. Therefore, this research was conducted on the people of Kerinci Regency who consistently maintain their ancestral culture, namely the rice harvest feast culture, besides that the majority of the people of Kerinci Regency also adhere to Islam. So for the purposes of this study, a sample of 435 respondents was taken using purposive sampling technique. To analyze the data, multiple linear regression analysis was carried out with the help of the IBM SPSS 25 application. The results of this study found that both partially and simultaneously the culture of rice harvest and religiosity had an effect on the public welfare of Kerinci Regency, with a magnitude of 39.3%.
Jurnal I-Philanthropy: A Research Journal On Management Of Zakat and Waqf
This study aims to determine the interest-free loan management system by BAZNAS for MSME business... more This study aims to determine the interest-free loan management system by BAZNAS for MSME business development in the Sungai Penuh City. The subject of this research is the manager and mustahik of BAZNAS Sungai Penuh City. The informants in this study were leaders and mustahik at BAZNAS, the Sungai Penuh City. This study applies a qualitative approach to data collection techniques by conducting interviews. The results of this study found that capital assistance that was loaned without interest by BAZNAS of Sungai Penuh City had not been fully successful. Supporting factors for the application of interest-free loans at BAZNAS Sungai Penuh City are good human resources and good work procedures. While the inhibiting factor is that the borrowers experience problems in repaying. The strategy carried out by BAZNAS Sungai Penuh City is to help the poor, such as assistance that is consumptive or assistance that is productive in nature, the requirements for getting assistance from BAZNAS are ...
e-Journal Apresiasi Ekonomi, Jun 28, 2022
Al Fiddhoh: Journal of Banking, Insurance, and Finance
This study aims to determine the effect of facilities and intellectuality on employee performance... more This study aims to determine the effect of facilities and intellectuality on employee performance at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. The population in this study amounted to 40 people, namely all employees of PT. People's Credit Bank for Kerinci Development. While the sample size of 35 respondents with the sampling technique Probability Sampling is a sampling method in which every member of the population has the same opportunity to be selected as a sample. The data analysis technique used in this research is Multiple Linear Regression Analysis. The study results stated a significant influence between facilities and intellect on the performance of employees of PT. BPR Pembangunan Kerinci partially or simultaneously has a significant influence.
Jurnal Ekonomi dan Bisnis
This study aims to examine the effect of training and work discipline on employee performance. Th... more This study aims to examine the effect of training and work discipline on employee performance. The population of this research are pawnshop employees in Sungai Penuh City. To collect data, this study used a questionnaire. The data collected was then analyzed using statistical analysis tools, namely multiple regression analysis using the IBM SPSS 25 application. The results of this study indicate that both partially or simultaneously Training and Work Discipline have a positive and significant effect on Employee Performance at the Pegadaian Kota Sungai Penuh.
AL FIDDOH ISLAMIC BANK JOURNAL, Jun 26, 2021
Al Fiddhoh: Journal of Banking, Insurance, and Finance
This stady aims to analyze the financial perfomace of one of the islamic banks in Indonesia based... more This stady aims to analyze the financial perfomace of one of the islamic banks in Indonesia based on the profitability ratios before and during the covid-19 pandemic. As for the object in this study, namely PT. Bank Rakyat Indonesia Syariah Tbk. In this study the authors manage all aspects of the research contained in the profitability ratios including return on asset, return on equity, operating costs, net profit margi and gross profit margin with the hope that the final result of the research can find out whether there is a profitability comparasion at PT. Bank Rakyat Indonesia Syariah before and during covid-19 or there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah before and during covid-19. As for this type of research is a type of comparative descriptive research with a quantitative approach. The data contained in this study is non-parametric data with the Wilxocon test analysis technique using SPSS. With the results of the study there is a comparasio...
Jurnal Ilmiah Manajemen dan Bisnis
Tujuan dari penelitian ini adalah untuk menguji pengaruh pertumbuhan penjualan, pertumbuhan perus... more Tujuan dari penelitian ini adalah untuk menguji pengaruh pertumbuhan penjualan, pertumbuhan perusahaan, dan ukuran perusahaan terhadap nilai perusahaan. Perusahaan dengan pertumbuhan penjualan, pertumbuhan perusahaan, dan ukuran perusahaan yang tinggi belum tentu mencerminkan nilai perusahaan juga tinggi. Nilai perusahaan yang tinggi merupakan keinginan semua pihak internal maupun eksternal, sebab dengan begitu kemakmuran pemegang saham juga akan tinggi. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Jenis data yang digunakan adalah data sekunder dari perusahaan sektor makanan dan minuman yang diperoleh melalui website resmi Bursa Efek Indonesia. Teknik analisis data yang digunakan adalah analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa pertumbuhan penjualan berpengaruh positif dan signifikan terhadap nilai perusahaan. Pertumbuhan perusahaan berpengaruh positif dan tidak signifikan terhadap nilai perusahaan. Ukuran perusahaan berpengaruh nega...
Purpose: The development of the world of tourism at this time has become one of the factors that ... more Purpose: The development of the world of tourism at this time has become one of the factors that boost the community's economy, therefore several factors need to be analyzed to obtain important information for tourism object managers in order to create value for visitors. The factors analyzed in this study are facilities, location, and price in shaping consumer behavior to visit the Bukit Khayangan tourist attraction, Sungai Penuh City. Design/Methodology/Approach: To get answers to the hypotheses formed, multiple regression analysis is carried out to answer the research objectives that have been prepared, namely by conducting t-test and F-test. Findings: From hypothesis testing, it is known that all independent variables in this study have a positive effect on the dependent variable, either partially or simultaneously. Research implications: From the results of this study, it is known that to attract consumers' interest in visiting a tourist attraction, it is necessary to h...
The main objective of this research is to identify and analyze the contribution of third party fu... more The main objective of this research is to identify and analyze the contribution of third party funds and the growth of financing in determining profitability in Islamic commercial banks in Indonesia for the period 2015-2019. Where profitability is the dependent variable and third party funds and financing growth is the independent variable. This Research type represent the quantitative research is comparability origin.. The data used in this study are secondary data, namely the financial statements of 6 Islamic public banks from the 2015 - 2019 period. The statistical method in this research is multiple linear regression analysis and correlation analysis using IBM SPSS Statistic 25.The results of this study indicate that simultaneously third party funds and financing growth have a significant effect on the profitability of Islamic Commercial Banks. As partially, the Current Party Fund has a significant effect on the profitability of Islamic Commercial Banks, and financing growth doe...
Jurnal Benefita, 2019
This research was conducted to population of this researchis the college student study program Ac... more This research was conducted to population of this researchis the college student study program Accounting in Sakti Alam Kerinci School of Economic. In this study the researchers took a sample of 98 students Accounting as respondents in this study analysis tool used is Descriptive Analysis intends to describe the characteristics of each research variable that is the achievement of respondents' answers (TCR) and also use Utility Theory and Contingency Theory to see the application of Behavior Accounting in Accounting Student Sakti Alam Kerinci School of Economic. Based on the result of Descriptive Analysis, there are achievement of respondent's answer (TCR) that is on Utility theory of decision making variables with highest percentage of 78%,
Jurnal Apresiasi Ekonomi
Penelitian ini bertujuan untuk mengetahui Pengaruh Manajemen Keuangan Daerah dan Good Governance ... more Penelitian ini bertujuan untuk mengetahui Pengaruh Manajemen Keuangan Daerah dan Good Governance terhadap Kinerja Pemerintah di Kabupaten Kerinci. Populasi penelitian ini adalah karyawan di Kabupaten Kerinci, menggunakan purposive sampling. Jumlah responden sebanyak 75 orang. Data dikumpulkan dengan kuesioner dan analisis data menggunakan regresi berganda. Hasil penelitian menunjukkan bahwa Manajemen Keuangan Daerah dan Good Governance baik secara parsial maupun simultan berpengaruh terhadap Kinerja Pemerintah di Kabupaten Kerinci. Kontribusi pengaruh Manajemen Keuangan Daerah dan Good Governance terhadap Kinerja Pemerintah di Kabupaten Kerinci adalah 51% dan 49% sisanya dijelaskan oleh sebab lain yang tidak diteliti dalam penelitian ini.
Proceedings of the 6th Annual International Conference on Management Research (AICMaR 2019), 2020
This study intends to analyze the impact of Covid-19 on the development of Micro, Small and Mediu... more This study intends to analyze the impact of Covid-19 on the development of Micro, Small and Medium Enterprises in Kerinci Regency. This research was conducted during the Covid-19 pandemic in the period March to May 2020. The population of this research is Micro, Small and Medium Enterprises in Kerinci District, where the sample of this study amounted to 150 taken with quota sampling techniques. To analyze the data of this study using simple linear regression analysis to see whether there is an influence of Covid-19 on the development of Micro, Small and Medium Enterprises in Kerinci Regency. The results showed that covid-19 had a negative influence on the development of Micro, Small and Medium Enterprises in Kerinci Regency, where the magnitude of influence was 4.1%.