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All Journal At-Taradhi: Jurnal Studi Ekonomi Jurnal Pengabdian Masyarakat (ABDIRA) Journal of Indonesian Management Dedikasi: Jurnal Pengabdian Kepada Masyarakat Semar : Jurnal Sosial dan Pengabdian Masyarakat Berasan: Journal of Islamic Civil Law BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Yarmunida, Miti
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Marketing Strategy of Salted Fish Traders during the Covid-19 Pandemic (Case Study of Malabro Village, Kecamatan Teluk Segara, Kota Bengkulu) Maryani, Sili; Media, Oka; Lesri, Engga Junia; Yarmunida, Miti; Harpepen, Andi
Journal of Indonesian Management Vol. 1 No. 3 (2021): SEPTEMBER
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v1i3.194

Abstract

The Corona virus outbreak has an impact on the economy causing an economic crisis in the world. This study aims to determine the impact of the Covid-19 pandemic on the economy of salted fish traders and find out how the marketing strategy is to keep selling salted fish traders during the COVID-19 pandemic. This research uses qualitative research. The marketing strategy carried out by salted fish traders during the current covid-19 pandemic is to promote using social media such as: Facebook, WhatsApp and cell phones. In addition, other strategies carried out by salted fish traders are improving product quality and serving consumers well/friendly, maintaining communication (silahturahmi) to consumers and always maintaining cleanliness.
UMKM Survival Strategy During the Covid-19 Pandemic (Case Study in Kota Bengkulu) Yuniarta, Sari Nurrohmah; Kurniati, Lilis; Purga, Rizando; Yarmunida, Miti; Oktarina, Amimah
Journal of Indonesian Management Vol. 1 No. 3 (2021): SEPTEMBER
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v1i3.195

Abstract

Usaha micro small and medium (MSMEs) Indonesia paralyzed duringthe Covid-19 pandemic. This is due to government policies in controlling Covid-19 that interfere with MSME activities. As a result, the income of small and medium-sized and micro businesses decreased. Small and medium-sized micro-businesses are in decline. You have to deal with this situation if you want to survive. The purpose of this study is to find out how micro small and medium enterprises (MSMEs) strategies can survive the Covid-19 pandemic. This research is carried out with qualitative research. This type of research is a descriptive data collection method that uses structured and gradual interviews. The results of direct observations showed that during the covid-19 pandemic, MSMEs implemented various strategies to maintain business continuity, namely, product and service quality improvement strategies, product strategies, price strategies, and also promotional strategies. MSME actors must also provide friendly service to customers and quality products, so that consumers can trust or choose good product quality.
Pemahaman Masyarakat Muslim Tentang Kedudukan Wali Dalam Pernikahan Yarmunida, Miti
Berasan: Journal of Islamic Civil Law Vol. 1 No. 2 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/berasan.v1i2.6041

Abstract

The purpose of this study is to describe the understanding of the muslim community about the position of guardians in Islam. The research method used is descriptive qualitative research. The data is extracted from primary data sources, namely the results of interviews with predetermined informants, secondary data sources are taken from references relevant to this research. The results showed that the majority of people did not understand the position of the guardian in marriage. Thus, the government in the field of Islamic religious education must make the content of the guardian position in Islam. This is very important for the validity of the marriage that will be carried out by both husband and wife and their offspring
AKAD SALAM SEBAGAI SOLUSI PEMBIAYAAN PERTANIAN: STUDI EMPIRIS DI JAWA TENGAH Atika Sari, Difa; Yarmunida, Miti; Julir, Nenan
Bestari: Jurnal Pengabdian Kepada Masyarakat Vol 5, No 1 (2025)
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Melawi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46368/dpkm.v5i1.3414

Abstract

Abstrak : diantaranya pendapatan dan produktivitas yang rendah, kesulitan dalam pengajuan kredit, serta sistem irigasi pertanian yang belum optimal. Pembiayaan syariah dapat dipilih menjadi solusi dikarenakan kesesuaiannya dengan karakteristik pertanian. Lembaga Keuangan Mikro Syariah dapat dijadikan solusi terbaik untuk merealisasikan pembiayaan syariah pertanian ke petani-petani secara langsung. Pendekatan penelitian yang penulis gunakan dalam kajian ini adalah pendekatan kualitatif dengan jenis penelitian literatur (library research). Metode penelitian yang digunakan adalah studi literatur dengan mengkaji berbagai macam penelitian terdahulu terkait Akad Salam beserta penerapannya. Penelitian ini bertujuan untuk mengetahui akad salam dijadikan solusi pembiayaan bagi petani yang ada di Jawa Tengah. Hasil penelitian ini menunjukkan bahwa penerapan akad salam sangat dirasakan oleh petani, pemberian modal sesuai dengan kebutuhan petani dan hasil produksi dijual kepada pihak lembaga dengan harga di atas tengkulak atau bandar sesuai dengan kesepakatan antara kedua belah pihak.Kata Kunci: Akad Salam, Pertanian Abstract : Central Java Province is famous for its agricultural sector that has a quality of life that is far from decent, including low income and productivity, difficulties in applying for credit, and a suboptimal agricultural irrigation system. Sharia financing can be chosen as a solution because of its suitability to the characteristics of agriculture. Sharia Microfinance Institutions can be the best solution to realize sharia agricultural financing to farmers directly. The research approach that the author uses in this study is a qualitative approach with a type of literature research (library research). The research method used is a literature study by reviewing various previous studies related to the Salam Agreement and its implementation. This study aims to determine the salam agreement as a financing solution for farmers in Central Java. The results of this study indicate that the application of the salam agreement is very much felt by farmers, the provision of capital according to the needs of farmers and the production results are sold to the institution at a price above the middleman or dealer according to the agreement between the two parties.  Keywords: Salam Contract, Agriculture
IMPLEMENTASI AKAD BAI' BI TSAMAN AJIL DALAM PEMBIAYAAN PROPERTI SYARIAH DI INDONESIA: TANTANGAN REGULASI DAN POTENSI PENGEMBANGAN Kamaludin, Kamaludin; Yarmunida, Miti; Julir, Nenan
Bestari: Jurnal Pengabdian Kepada Masyarakat Vol 5, No 1 (2025)
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Melawi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46368/dpkm.v5i1.3413

Abstract

Abstract: The Bai' Bi Tsaman Ajil (BBA) contract has emerged as a promising sharia property financing alternative in Indonesia. In contrast to previous research which focused on aspects of fiqh or comparisons with murabahah contracts, this research analyzes the implementation of BBA in the context of regulatory challenges and market development potential that have not been explored in depth. Using qualitative literature study methods, this research examines current literature and secondary data from various sources, with particular emphasis on the latest industry and policy reports. The research results show that although BBA implementation has increased from 10% to 15% in the last five years, implementation is still hampered by regulatory non-uniformity and limited market literacy. This study identifies innovative opportunities such as blockchain integration and the development of hybrid BBA-Musyarakah Mutanaqisah products, which have not been discussed in previous literature. This research contributes to a more comprehensive understanding of the dynamics of BBA in Indonesia's rapidly evolving Islamic finance landscape, providing new insights for regulators and industry practitionersKeywords: Bai'Bi Tsaman Ajil, sharia ptoperty finaancing, sharia regulations, financial technologyAbstrak: Akad Bai' Bi Tsaman Ajil (BBA) muncul sebagai alternatif pembiayaan properti syariah yang menjanjikan di Indonesia. Berbeda dengan penelitian sebelumnya yang berfokus pada aspek fiqh atau perbandingan dengan akad murabahah, studi ini menganalisis implementasi BBA dalam konteks tantangan regulasi dan potensi pengembangan pasar yang belum dieksplorasi secara mendalam. Menggunakan metode studi kepustakaan kualitatif, penelitian ini mengkaji literatur terkini dan data sekunder dari berbagai sumber, dengan penekanan khusus pada laporan industri dan kebijakan terbaru. Hasil penelitian menunjukkan bahwa meskipun adopsi BBA meningkat dari 10% menjadi 15% dalam lima tahun terakhir, implementasinya masih terhambat oleh ketidakseragaman regulasi dan literasi pasar yang terbatas. Studi ini mengidentifikasi peluang inovatif seperti integrasi blockchain dan pengembangan produk hybrid BBA-Musyarakah Mutanaqisah, yang belum dibahas dalam literatur sebelumnya. Penelitian ini berkontribusi pada pemahaman yang lebih komprehensif tentang dinamika BBA dalam lanskap keuangan syariah Indonesia yang berkembang pesat, menyediakan wawasan baru bagi regulator dan praktisi industri. Kata kunci: Bai'Bi Tsaman Ajil, pembiayaan properti syariah, inovasi keuangan syariah, regulasi syariah, teknologi finansial
Pemberdayaan Masyarakat melalui Workshop Kewirausahaan dalam Pengelolaan Limbah Anorganik Putri, Anindya Cahya; Putri, Fathasyah Aulia; Syaputri, Sri Juhani; Wahyuni, Eka Sri; Yarmunida, Miti
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 5, No 3 (2025): Abdira, Juli
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v5i3.680

Abstract

Ineffective management of inorganic waste poses environmental and social challenges in many communities. To address this, students from KKN-MBKM UIN FAS conducted an entrepreneurship workshop as a form of community empowerment. The aim was to enhance residents' skills in processing inorganic waste into marketable products, thereby increasing income and environmental awareness. The community service employed the ABCD (Asset-Based Community Development) approach, focusing on utilizing local potentials and resources through direct training, mentoring, and hands-on practice in creating creative products from inorganic waste. The results showed improved participant capabilities in waste management and the emergence of new business opportunities based on waste processing. This activity is significant as it not only reduces waste volume but also promotes economic independence through sustainable entrepreneurship. Thus, the workshop contributes meaningfully to community empowerment and environmental preservation.
Analisis Kritis Terhadap Opsi Khiyar Dalam Akad IMBT Untuk Sewa Alat Berat Pada Proyek Infrastruktur Tri Chamauliddah; Yarmunida, Miti; Julir, Nenan
At-Taradhi Jurnal Studi Ekonomi Vol 16 No 1 (2025): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v16i1.16055

Abstract

The Ijarah Muntahiyah Bit Tamlik (IMBT) contract is a Sharia-compliant financial instrument that enables lessees to acquire ownership of leased assets at the end of the lease period, as stipulated in DSN-MUI Fatwa No. 27/DSN-MUI/III/2002. However, in practice, assets such as heavy equipment intended to be owned at the end of the contract are often no longer viable due to age or wear and tear. This article examines the option of adding a khiyar (choice) for lessees to lease new equipment at the end of the contract, considering aspects of maslahah (public benefit) and subsidies derived from the previous IMBT agreement. Using a normative-juridical approach and fiqh analysis, the article assesses the compatibility of this option within the framework of Islamic law. Although not explicitly mentioned in hadith, Sharia principles support the development of this concept in a contemporary context. The findings indicate that the khiyar option for leasing new equipment has the potential to increase customer satisfaction, reduce loss risks, and strengthen the relationship between banks and clients. For Islamic financial institutions, this strategy can enhance competitiveness and service transparency. The study emphasizes the importance of enhancing flexibility in IMBT contracts to offer more sustainable solutions, particularly in supporting future Sharia-based infrastructure projects.   Akad Ijarah Muntahiyah Bit Tamlik (IMBT) merupakan instrumen keuangan syariah yang memungkinkan penyewa memiliki barang sewaan setelah masa sewa berakhir, sebagaimana diatur dalam Fatwa DSN-MUI No. 27/DSN-MUI/III/2002. Namun, dalam praktiknya, aset seperti alat berat yang akan dimiliki di akhir akad sering kali sudah tidak layak guna karena usia atau keausan. Artikel ini mengkaji opsi penambahan khiyar untuk menyewa alat baru pada akhir masa akad, dengan mempertimbangkan aspek maslahah dan subsidi dari akad sebelumnya. Dengan pendekatan yuridis-normatif dan analisis fiqih, artikel ini menilai kesesuaian opsi tersebut dalam kerangka hukum Islam. Meskipun tidak disebutkan secara eksplisit dalam hadith, prinsip-prinsip syariah mendukung pengembangan opsi ini dalam konteks kontemporer. Hasil kajian menunjukkan bahwa opsi khiyar sewa baru berpotensi meningkatkan kepuasan nasabah, mengurangi risiko kerugian, serta memperkuat hubungan antara bank dan nasabah. Bagi lembaga keuangan syariah, strategi ini dapat meningkatkan daya saing dan transparansi layanan. Penelitian ini menegaskan pentingnya penguatan fleksibilitas dalam akad IMBT guna menciptakan solusi yang lebih berkelanjutan, terutama dalam mendukung proyek-proyek infrastruktur berbasis syariah di masa mendatang.
PERAN PENYULUHAN HUKUM KELUARGA ISLAM DALAM PEMBERDAYAAN MASYARAKAT UNTUK PENCEGAHAN PERNIKAHAN DINI DI PAGAR DEWA Juanda, Anugrah; Sibuea, Sumayya Febrianti Sukma; Utami, Utami; Dita, Tiara; Anggraeni, Fenty; Yarmunida, Miti
SEMAR : Jurnal Sosial dan Pengabdian Masyarakat Vol. 3 No. 2 (2025): Semar : Jurnal Sosial dan Pengabdian Masyarakat
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/semar.v3i2.1765

Abstract

In 2024, Bengkulu Province recorded the highest prevalence of early marriage in Sumatra, reaching 21.1%. This issue is particularly pressing in Pagar Dewa Subdistrict, Selebar District, Bengkulu City. This study aims to analyze the role of Islamic family law counseling in enhancing legal awareness among adolescents as a preventive measure against early marriage. The counseling activities were carried out by students participating in the KKN MBKM (Independent Campus) program from the Islamic Family Law Department, Faculty of Sharia, UIN Fatmawati Sukarno Bengkulu. This research employs a qualitative method with a case study approach. Data were collected through in-depth interviews, focus group discussions (FGDs), and participatory observation. Participants were selected purposively, focusing on adolescents aged 13–19 from diverse socio-economic backgrounds. The findings indicate that legal counseling based on religious values and effective communication significantly improved adolescents' understanding of the negative impacts of early marriage. This improvement was evident from increased post-test scores compared to pre-test results, along with high engagement in group discussions. The use of interactive learning media proved effective in fostering critical awareness among adolescents regarding the importance of education and reproductive health as foundations for their future.
PENYULUHAN SEKSUAL DAN REPRODUKSI UNTUK MENCEGAH PERNIKAHAN DINI DI SMA 3 KOTA BENGKULU Zelianti, Diona Dwi; Al-Fauzani, Tsabitah; Fujiarti, Resti; Yulitha, Rohmah; Akbar Pratama, M. Bintang; Yarmunida, Miti
SEMAR : Jurnal Sosial dan Pengabdian Masyarakat Vol. 3 No. 2 (2025): Semar : Jurnal Sosial dan Pengabdian Masyarakat
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/semar.v3i2.1766

Abstract

The phenomenon of early marriage in Indonesia, particularly in Bengkulu City, remains a complex social issue with significant negative impacts on reproductive health, education, and socio-economic welfare. This study aims to analyze the effectiveness of sexual and reproductive health education programs as an effort to prevent early marriage among students at SMA Negeri 3 Bengkulu City, Selebar District. The research employed participatory action research using a mixed-methods approach, combining pre-test and post-test assessments, in-depth interviews, focus group discussions (FGD), and field observations. The program involved 60 eleventh-grade students as the primary participants. Results indicated a significant improvement in students’ knowledge of reproductive health, increasing from an average score of 63.5 to 87.2; a positive shift in attitudes toward continuing education, with 85.5% of students expressing a desire to complete higher education before marriage; and a comprehensive understanding of the risks of early marriage, as 91.2% of students could identify at least five negative consequences. Support from various stakeholders, including the school, religious leaders, and parents, was a critical factor in the program’s success. The study recommends integrating reproductive health education into the school curriculum and strengthening the roles of families and religious institutions in fostering a holistic understanding of marriage, aligned with Islamic legal principles and reproductive health perspectives.
PERAN KOLABORATIF PEMERINTAH DAN LEMBAGA PENDIDIKAN DALAM MENCEGAH PERNIKAHAN DINI DI WILAYAH PERKOTAAN Dinanti, Dara; Sary, Juwita Puspita; Nurilahi, Balqis; Sari, Refi Novita; Rahmat, Ronni Khairul; Yarmunida, Miti
SEMAR : Jurnal Sosial dan Pengabdian Masyarakat Vol. 3 No. 2 (2025): Semar : Jurnal Sosial dan Pengabdian Masyarakat
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/semar.v3i2.1767

Abstract

Early marriage in Pagar Dewa Village, Selebar District, Bengkulu City is still rampant and has long-term impacts ranging from hampered education, health risks, psychological pressure, to increased poverty and divorce, especially for girls. To overcome this problem, community service uses a Participatory Action Research (PAR) approach which involves counseling and guidance on early marriage prevention. Before the early marriage prevention service was carried out, only 31% of participants had knowledge about the impact of early marriage, but after the education series the number increased to 92%, showing a significant increase in understanding, the ability to make independent decisions, and the mastery of reproductive rights and life skills. These results confirm that an interdisciplinary approach that integrates aspects of health, education, religion, and psychosocial empowerment effectively provides sustainable solutions to prevent early marriage and improve the quality of the young generation in Bengkulu Province.
Co-Authors Akbar Pratama, M. Bintang Al-Fauzani, Tsabitah Anggraeni, Fenty Atika Sari, Difa Dinanti, Dara Dita, Tiara Fujiarti, Resti Harpepen, Andi Juanda, Anugrah Julir, Nenan Kamaludin Kamaludin Kurniati, Lilis Lesri, Engga Junia Maryani, Sili Media, Oka Nurilahi, Balqis Oktarina, Amimah Purga, Rizando Putri, Anindya Cahya Putri, Fathasyah Aulia Rahmat, Ronni Khairul Sari, Refi Novita Sary, Juwita Puspita Sibuea, Sumayya Febrianti Sukma Stiawan, Evan Syaputri, Sri Juhani Tri Chamauliddah Utami Utami Wahyuni, Eka Sri Wulandari Wulandari Yulitha, Rohmah Yuniarta, Sari Nurrohmah Zelianti, Diona Dwi