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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Ekodestinasi : Jurnal Ekonomi, Bisnis, dan Pariwisata JSE: Jurnal Sharia Economica
Makmur
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Economics, Econometrics & Finance Social Sciences

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Manajemen Pelayanan Manasik Jama’ah Haji Lansia (Studi pada PT. Arafah Raya Gemilang Bengkulu) Wahnesly Nurliya Anggraini; Supardi Mursalin; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31795

Abstract

This study aims to determine how the management of guidance service for elderly Hajj pilgrims is implemented by PT. Arafah Raya Gemilang Bengkulu. This study used a qualitative method with a case study approach. Data collection techniques were carried out through interviews, observation, and documentation. The research informants consisted of the Deputy Director, Marketing Manager, HRD, and elderly pilgrims who had participated in the guidance activities at PT. Arafah Raya Gemilang Bengkulu. The results of the study indicate that the management of guidance service for elderly Hajj pilgrims has been implemented quite well based on the elements of tangibles, reliability, responsiveness, empathy, and assurance. The company provides adequate facilities to support the guidance activities such as projectors, guidebooks, Kaaba miniatures, and sound systems (loudspeakers). Equal distribution of materials for both attending and absent pilgrims, consistency of schedules, as well as fast, patient, and friendly services for elderly pilgrims can be seen from how the staff greet them politely, smile warmly, and listen without interrupting the pilgrims while speaking. In addition, the services provided are expected to help elderly pilgrims understand the procedures of Hajj worship more easily and comfortably.
Peran dan Kompetensi Muthawif pada Kepuasan Layanan Jamaah Umrah pada PT. Amanah Safari Internasional (Asafi) Tour Bengkulu Hellannisa Alfidah; Yosy Arisandi; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31796

Abstract

This study aims to analyze the role and competence of muthawif in relation to the satisfaction of Umrah pilgrims’ services at PT. Amanah Safari Internasional (ASAFI) Tour Bengkulu. The focus of this study includespilgrims’ experiences related to the role of the muthawif during theimplementation of Umrah,pilgrims’ perceptions of the muthawif competence, and the influence of these roles and competencies on pilgrims’ satisfaction, both emptionally and spiritually. This study employs a qualitative approach with a descriptive method. Data collection techniques include interviews, observation, and documentation. The results of the study indicate that, in general, pilgrims have a positive impression of the role of the muthawif. The muthawif is considered capable of providing clear, structured, and easily understood guidance in worship, as well as assisting pilgrims throughout the Umrah rituals in the Holy Land.In addition, the competence of the muhawif is considered good, as reflected in their mastery of Umrah materials, effective communication skills, and ability to handle various characteristics of pilgrims.The roles and competencies have been proven to significantly contribute to the level of pilgrims’ satisfaction, both in terms of service quality and the spiritual experience gained during the Umrah pilgrimage.
Analisis Faktor-Faktor yang Memengaruhi Minat Nasabah pada Tabungan Islamic Banking (IB) Hijrah Haji pada Bank Muamalat Indonesia KC Kota Bengkulu Septen Mardiah; Nonie Afrianty; Makmur
Ekodestinasi Vol. 4 No. 1 (2026): EKODESTINASI: Jurnal Ekonomi, Bisnis, dan Pariwisata
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/ekodestinasi.v4i1.1053

Abstract

This study aims to analyze the influence of cultural, social, personal, and psychological factors on customer interest in Islamic Banking (IB) Hijrah Hajj Savings at Bank Muamalat Indonesia Branch Office Of Bengkulu City. The study employed a quantitative method with an associative approach. Data were collected through questionnaires distributed to 50 customers of IB Hijrah Hajj Savings selected using a purposive sampling technique. Data analysis was conducted using validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination (R²) with the assistance of SPSS version 26.The results indicate that cultural, social, personal, and psychological factors partially and simultaneously have a positive and significant effect on customer interest in IB Hijrah Hajj Savings. Among these variables, psychological factors were found to be the most dominant factor influencing customer interest. The coefficient of determination (R²) value of 0.789 shows that 78.9% of the variation in customer interest can be explained by the four independent variables, while the remaining 21.1% is influenced by other factors outside the scope of this study. Based on the findings, Bank Muamalat Indonesia KC Bengkulu City is recommended to strengthen educational and promotional programs regarding the benefits of IB Hijrah Hajj Savings and to emphasize psychological and religious aspects in its marketing strategies. In addition, the public is encouraged to enhance awareness of early Hajj financial planning through savings products that comply with Islamic principles.
KEARIFAN LOKAL DALAM PRAKTIK JUAL BELI KOPI PERSPEKTIF EKONOMI SYARIAH DI DESA TAPAK GEDUNG KABUPATEN KEPAHIANG Firda Iksan; Nilda Susilawati; Makmur
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/b7r3nc57

Abstract

This study aims to analyze the implementation of local wisdom in the practice of coffee trading and examine its conformity with Islamic economic principles in Tapak Gedung Village, Kepahiang Regency. Coffee is the primary commodity supporting the community's economy, where trading practices have been carried out traditionally from generation to generation. The research employed a qualitative field research approach using observation, interviews, and documentation techniques. Informants consisted of coffee farmers, collectors, religious leaders, and village officials who understood the coffee trading mechanism. Data were analyzed using the interactive model of Miles and Huberman, including data reduction, data display, and conclusion drawing. The findings indicate that coffee trading practices are strongly influenced by local wisdom values such as trust, kinship, and long-term social relationships. However, several practices still indicate elements of uncertainty in determining quality, prices, and payment systems that have not fully complied with Islamic economic principles, particularly regarding transparency and fairness. Nevertheless, the local wisdom maintained by the community also contributes positively to sustaining harmonious social relations among market participants. Therefore, strengthening public understanding of Islamic business ethics is necessary so that local wisdom can continue to develop without contradicting Islamic legal principles.
Integrasi Prinsip Ekonomi Islam dalam Praktik Green Economy untuk Meningkatkan Pertumbuhan Ekonomi Berkelanjutan (Studi Kasus pada Sektor Kuliner Halal di Kota Bengkulu) Nabilah Nur Atikah; Romi Adetio Setiawan; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31509

Abstract

The development of the halal culinary sector in Indonesia has shown significant growth along with increasing public awareness of the consumption of halal and environmentally friendly products. However, halal culinary businesses in many regions still face challenges in integrating Islamic economic values ​​with the concept of a green economy oriented towards environmental sustainability. This study aims to analyze how halal culinary businesses in Bengkulu City interpret and apply Islamic economic principles such as halal, thayyib, amanah, justice ('adl), and the prohibition of israf in green economy practices. This study used a qualitative approach with a phenomenological method to explore the subjective experiences of halal culinary businesses. Data were obtained through in-depth interviews, field observations, and documentation of six halal culinary businesses and four consumers in Bengkulu City. Data analysis was conducted using the Miles and Huberman model, which includes data reduction, data presentation, and drawing conclusions. The results show that most businesses understand the principles of halal and cleanliness (thayyib) in managing raw materials and production processes. However, the implementation of green economy practices such as food waste management, energy efficiency, and the use of environmentally friendly packaging is still suboptimal. The main challenges faced by businesses include limited knowledge, the cost of implementing environmentally friendly technologies, and a lack of supporting regulations. Nevertheless, businesses that have integrated Islamic economic values ​​with environmentally friendly practices have shown improved business image and consumer trust. This study concludes that integrating Islamic economic principles with the green economy has the potential to support sustainable economic growth in the halal culinary sector in Bengkulu City.
Co-Authors Firda Iksan Hellannisa Alfidah Nabilah Nur Atikah Nilda Susilawati Nonie Afrianty Romi Adetio Setiawan Septen Mardiah Supardi Mursalin Wahnesly Nurliya Anggraini Yosy Arisandi