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Analysis of Allocation of Village Funds through the Establishment of Village-Owned Enterprises (BUMDES ) According to an Islamic Economic Perspective (Case Study of Bumdes in Lampung Province) Suhendar, Suhendar; Abdul Ghofur, Ruslan; Fuadi, Fatih
International Journal of Educational Research Excellence (IJERE) Vol. 2 No. 2 (2023): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijere.v2i2.664

Abstract

is research aims to analyze the Allocation of Village Funds through the Establishment of Village-Owned Enterprises (Bumdes) according to an Islamic Economic Perspective (Case Study of Bumdes in Lampung Province). The method used in this research is a descriptive method with a qualitative approach. Research procedures are an explanation of the steps that must be taken in a study. The research procedure steps include three things, namely observation, interviews and documentation. The data analysis technique used in this research is interactive analysis. This model has four analytical components, namely: data collection, data reduction, data presentation, and drawing conclusions. The results of this research explain 1) All regencies/cities in Lampung Province have allocated an average of 10% of Village Funds to BumDes. This shows that the village government is serious in supporting the role of Bumdes to increase the economic growth of society in Lampung Province, and 2) Economic growth must be based on the values of faith, piety, and consistency and perseverance to let go of all the values of immorality and sin. This does not deny the existence of efforts and thoughts to catch up with all backwardness and underdevelopment in accordance with sharia principles.
The Effect of Implementing Online Presence With Selfi Application and Work Discipline on Employee Performance Putri, Rizki Dila; Fuadi, Fatih; Selvina, Mia
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i2.7118

Abstract

This research aims to determine the effect of online attendance and work discipline on employee performance at the Regional Revenue Agency (BAPENDA) of Lampung Province of Lampung Province. The method used is a questionnaire with 30 respondents selected from the employees of the Regional Revenue Agency (BAPENDA) of Lampung Province of Lampung Province. This study is quantitative in nature. The data analysis technique employed in this research is PLS (Partial Least Square) using the SmartPLS 3.0 software. The findings of the study indicate that online attendance has a positive and significant effect on employee performance, and work discipline also shows a positive and significant result on employee performance. From an Islamic perspective, performance is not only measured by productivity but also by spiritual values such as trustworthiness, integrity, and responsibility. This research is conducted with an Islamic perspective and focuses on the employees of the Regional Revenue Agency (BAPENDA) of Lampung Province (BAPENDA) of Lampung Province.
Pengaruh Populasi, Upah Minimum, dan Human Capital Terhadap Pengangguran Terbuka di Provinsi Lampung: Perspektif Ekonomi Islam Safitri, Adelia; Fuadi, Fatih; Ermawati, Liya
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.7977

Abstract

This study aims to analyze the influence of population, provincial minimum wage, and human capital on the open unemployment rate in Lampung Province in 2018-2024 from an Islamic economic perspective. The data used are panel data sourced from the Central Statistics Agency (BPS), and analyzed using a quantitative approach with the Fixed Effect Model (FEM) method through EViews 10 software. Based on the results of the t-test in this study, it shows that partially the population has a negative and significant effect on the open unemployment rate in Lampung Province, with a coefficient value of -0.057919 and a probability of 0.0011 (< 0.05). The provincial minimum wage also has a negative and significant effect on the open unemployment rate in Lampung Province, with a coefficient value of -3.121572 and a probability of 0.0032 (< 0.05). Meanwhile, human capital as measured by the human development index does not have a significant effect on the open unemployment rate in Lampung Province with a coefficient of 3.972250 and a probability of 0.3727 (> 0.05). Simultaneously, population, provincial minimum wage, and human capital significantly influence the open unemployment rate in Lampung Province with an f-statistic value of 7.804487 and a probability of 0.0000 (< 0.05). From an Islamic economic perspective, efforts to overcome unemployment should not only focus on achieving economic indicators alone, but must also be supported by principles of social justice such as equal employment opportunities and skills training to create jobs and empower communities sustainably.
Comparative influence of brand, emotional experience and equity on customer satisfaction: a study of iphone and samsung users in islamic business perspective Aprilia, Desi; Fuadi, Fatih; Ermawati, Liya
Junal Ilmu Manajemen Vol 7 No 3 (2024): July: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i3.537

Abstract

Sensory brand experience and emotional experience have been recognized as important factors influencing consumer perceptions of brands. On the other hand, brand equity reflects the added value that a brand provides in consumer perceptions and preferences. Customer satisfaction is the main goal for companies in maintaining and increasing customer loyalty. The formulation of the problem in this research is:Are there differences in the influence of Sensory Brand Experience, Emotional Experience, Brand Equity on Customer Satisfaction among iPhone and Samsung Users in Bandar Lampung from an Islamic business perspective? This research aims to compare the influence of Sensory Brand Experience, Emotional Experience, and Brand Equity on Customer Satisfaction among iPhone and Samsung users, using an Islamic business perspective. The research method used is quantitative using a questionnaire as a data collection tool. The research sample was selected purposively from the population of iPhone and Samsung users in Bandar Lampung. The data collected was Two-way ANOVA test to find differences between variables. The results of this research are expected to provide a better understanding of how sensory brand experience, emotional experience, and brand equity contribute to customer satisfaction, especially in the context of using technology products that have an Islamic business dimension. The practical implication of this research is to provide guidance for companies in increasing customer satisfaction by improving brand experience and strengthening their brand equity, in accordance with Islamic business principles which emphasize fairness, transparency and product quality.
Pengaruh Jam Kerja dan Pendapatan dalam Gig Working terhadap Kepuasan Hidup dengan Work-Life Balance sebagai Variabel Moderasi dalam Perspektif Islamic Work Ethics: (Studi pada Driver Ojek Online di Bandar Lampung) Puspitasari, Ambar; Susanti, Yeni; Fuadi, Fatih
Jurnal Disrupsi Bisnis Vol. 8 No. 6 (2025): Jurnal Disrupsi Bisnis
Publisher : Prodi Manajemen, Fakultas Ekonomi, Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/drb.v8i6.54823

Abstract

Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh jam kerja dan pendapatan terhadap kepuasan hidup pengemudi ojek online di Kota Bandar Lampung, serta menguji peran work-life balance sebagai variabel moderasi dalam hubungan tersebut. Metode pengambilan sampel menggunakan teknik purposive sampling menggunakan responden sebanyak 150 orang.Hasil penelitian menunjukkan bahwa jam kerja berpengaruh positif dan signifikan terhadap kepuasan hidup, dengan nilai original sample sebesar 0.287, t-statistic 3.012, dan p-value 0.003. Pendapatan juga berpengaruh positif dan signifikan terhadap kepuasan hidup, dengan nilai original sample 0.422, tstatistic 5.218, dan p-value 0.000. Work-life balance terbukti memoderasi hubungan jam kerja terhadap kepuasan hidup dengan arah positif, ditunjukkan oleh original sample 0.198, t-statistic 2.167, dan pvalue 0.031, serta memoderasi pengaruh pendapatan terhadap kepuasan hidup dengan nilai original sample 0.243, t-statistic 2.941, dan p-value 0.004. Penelitian ini menegaskan bahwa semakin optimal jam kerja dan semakin tinggi pendapatan, maka semakin tinggi pula tingkat kepuasan hidup driver, terutama ketika mereka mampu menjaga work-life balance. Temuan ini selaras dengan prinsip Islamic Work Ethics yang menekankan pentingnya keseimbangan (tawazun), keadilan (‘adl), amanah, dan kemaslahatan (maslahah) dalam mencapai kesejahteraan dan keberkahan hidup.
Hubungan Pelatihan Kewirausahaan, Akses Modal, dan Peran Pemerintah terhadap Kemandirian Ekonomi Perempuan Pelaku UMKM Intan, Intan; Fuadi, Fatih; Pratomo, Dimas
JURNAL ILMIAH FEASIBLE: Bisnis, Kewirausahaan dan Koperasi Vol 7 No 2 (2025): Jurnal Ilmiaf Feasible (JIF): Bisnis, Kewirausahaan, dan Koperasi
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/fb.v7i2.2025.49-62.54937

Abstract

Kemandirian ekonomi perempuan merupakan aspek penting dalam meningkatkan kesejahteraan keluarga dan mendorong pembangunan inklusif. Namun, upaya penguatan kemandirian ini masih terhambat oleh keterbatasan keterampilan usaha, akses modal, dan kurang optimalnya dukungan pemerintah. Penelitian ini bertujuan menganalisis pengaruh Pelatihan Kewirausahaan, Akses Modal, dan Peran Pemerintah terhadap Kemandirian Ekonomi Perempuan secara parsial maupun simultan. Menggunakan metode kuantitatif dengan survei terhadap 106 responden dari populasi 218 perempuan pelaku usaha, data dianalisis melalui PLS dengan instrumen yang telah diuji validitas dan reliabilitasnya. Hasil penelitian menunjukkan bahwa Pelatihan Kewirausahaan dan Akses Permodalan berpengaruh positif dan signifikan terhadap Kemandirian Ekonomi Perempuan, sedangkan Peran Pemerintah tidak berpengaruh signifikan meskipun bernilai positif. Secara simultan, ketiga variabel terbukti berpengaruh signifikan. Temuan ini menegaskan pentingnya peningkatan kompetensi usaha dan akses pendanaan sebagai faktor utama kemandirian ekonomi perempuan, serta perlunya penguatan peran pemerintah agar lebih efektif dan tepat sasaran.
Peran Ekonomi Dan Keuangan Islam Pasca Pandemi Covid-19 Di Indonesia Fuadi, Fatih
Margin: Jurnal Bisnis Islam dan Perbankan Syariah Volume 1 Nomor 2 Agustus 2022
Publisher : Sekolah Tinggi Agama Islam Ma`arif Kalirejo Lampung Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (562.036 KB) | DOI: 10.58561/margin.v1i2.40

Abstract

Tujuan dalam penelitian ini adalah Untuk Mengetahui Peran Ekonomi dan Keuangan Islam Pasca Panedemi Covid 19. Bencana yang ditimbulkan virus Covid-19 ini terhadap perekonomian bukan hanya menimbulkan guncangan penurunan (besar) pada fundamental ekonomi riil, namun juga merusak kelancaran mekanisme pasar dan membentuk semacam ‘tembok penghalang’ antara permintaan dan penawaran. Secara umum lembaga keuangan berperan sebagai lembaga intermediasi keuangan yang melakukan proses penyerapan dana dari unit surplus ekonomi, baik sektor usaha, lembaga pemerintah maupun individu (rumah tangga) untuk penyediaan dana bagi unit ekonomi lain. Sebagai negara dengan populasi muslim terbesar di dunia, umat Islam dapat memberikan peran terbaiknya melalui berbagai bentuk atau model philanthropy dalam Ekonomi dan Keuangan Syariah, khususnya dalam masa pandemi Covid-19. Peran ini diharapkan dapat mengatasi guncangan ekonomi yang terjadi dan seluruh masyarakat, khususnya umat muslim, dapat ikut serta berkontribusi dalam memulihkan guncangan tersebut. Di antara solusi yang dapat ditawarkan dalam kerangka konsep dan sistem Ekonomi dan Keuangan Sosial Islam adalah: (1) dengan penyaluran bantuan langsung tunai yang berasal dari zakat, infak dan sedekah; (2) dengan penguatan wakaf baik berupa wakaf uang, wakaf produktif, waqf linked sukuk maupun wakaf untuk infrastruktur; (3) melalui bantuan modal usaha unggulan untuk sector.
Monetary Transmission on Company Value of Bank Syariah Indonesia Pratiwi, Palupi; Risyantika, Dewi; Fuadi, Fatih; Iqbal, Muhammad
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 2 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/4cbh4d39

Abstract

The study investigates how inflation, money supply, and the BI Rate influence the firm value of Bank Syariah Indonesia (BSI) after its 2021 consolidation. This study aims to examine the effect of key monetary policy variables inflation, money supply and BI Rate on the firm value of BSI. Using a quantitative approach, quarterly secondary data from 2021–2024 were collected from Bank Indonesia, Statistics Indonesia, and BSI financial reports and analyzed through multiple linear regression. The results reveal that inflation and the BI Rate significantly and negatively affect firm value, while the money supply shows no significant effect. These findings indicate that monetary tightening diminishes investor valuation of BSI, whereas liquidity expansion does not necessarily translate into higher market value. The study contributes to theory by showing that Islamic banks remain sensitive to conventional monetary policy transmission and offers insights for risk management and Islamic finance development. Keywords: Bank Syariah Indonesia, BI Rate, Inflation, Monetary Policy, Money Supply
Peran Pegadaian Syariah Dalam Inklusi Keuangan Masyarakat Indonesia: Studi Literatur Tentang Aksesibilitas Layanan Pembiayaan Berbasis Gadai leste, fauziyah mutiara; Fuadi, Fatih; Iqbal, Muhammad
JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Vol 24 No 4 (2025): Desember 2025
Publisher : LP2M STAI Miftahul 'Ula (STAIM) Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/lentera.v24i4.1884

Abstract

This study examines the strategic role of Islamic Pawnshops in expanding financial inclusion for Indonesian society through pawn-based financing services. The research employs a qualitative approach with literature study analyzing various sources including scientific journal articles, research reports, and official financial institution publications from 2021-2025. Thematic content analysis was applied to identify patterns, relationships, and main themes related to Islamic pawn service accessibility. Research findings indicate that Islamic Pawnshops contribute significantly to improving financial service accessibility for underserved segments of society, particularly low-income groups and micro, small, and medium enterprise actors. Implementation of rahn contract principles emphasizing justice and transparency without usury elements becomes the main advantage in attracting people who have preferences for Islamic financial products. Digital transformation through online service platform innovation and Gold Bank products has expanded geographical reach and increased operational efficiency. However, challenges such as low digital literacy and limited technology infrastructure remain obstacles that need to be addressed. This research recommends strengthening Islamic financial education programs, developing transparent marketing strategies, and inter-institutional collaboration to optimize the role of Islamic Pawnshops in realizing an inclusive and equitable financial system in Indonesia.
Challenges In Implementing Islamic Financial Institution Pension Funds In Indonesia Fathul Hidayah, Laili; Kaltsum Karunianing Utami, Ummi; Fuadi, Fatih; Iqbal, Muhammad
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4608

Abstract

Islamic Financial Institution Pension Funds (DPLK Syariah) represent a long-term financial instrument aimed at ensuring retirees’ economic security while adhering to Islamic principles. Despite the rapid growth of the Islamic finance industry in Indonesia, the development of Islamic pension funds remains relatively limited compared to conventional pension schemes. This article seeks to systematically examine the key challenges faced in the implementation of DPLK Syariah in Indonesia and to formulate strategic efforts to strengthen its development. Employing a qualitative approach, this study adopts a literature review method by analyzing scholarly articles, regulatory frameworks, policy reports, and relevant academic publications published between 2022 and 2025. The findings reveal that the implementation of DPLK Syariah is constrained by multidimensional challenges, including regulatory disharmony, limited availability of sharia-compliant investment instruments, low public literacy and participation, as well as institutional and human resource capacity weaknesses. Furthermore, the dominance of conventional pension funds continues to restrict market penetration for Islamic pension schemes. To address these challenges, this study proposes several strategic measures, such as enhancing Islamic financial literacy, promoting product and technological innovation, expanding sharia-based investment instruments, strengthening governance and human capital, and improving regulatory harmonization. This study is expected to contribute both conceptually and practically to policymakers, industry practitioners, and academics in fostering a more inclusive, competitive, and sustainable Islamic pension fund ecosystem in Indonesia.