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All Journal Jurnal Paradigma Ekonomika E-Journal Home Economic and Tourism EKONOMIS : Journal of Economics and Business Jurnal Ekonomi & Keuangan Islam JURNAL PENDIDIKAN TAMBUSAI ILTIZAM Journal of Sharia Economic Research Transformasi : Jurnal Pendidikan Matematika dan Matematika Dharma Jnana Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Jurnal Pengabdian Kepada Masyarakat Jurnal Manajemen Keuangan Syariah Margin : Journal of Islamic Banking Midwifery And Complementary Care
Anggraini, Dessy
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Mathematics Nursing Public Health Social Sciences

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PELUANG DAN TANTANGAN AGEN ASURANSI DALAM MENINGKATKAN NASABAH ASURANSI SYARIAH (STUDI PADA PT. PRUDENTIAL SYARIAH CABANG JAMBI) Anggraini, Dessy; Sudharyati, Neneng
Manajemen Keuangan Syariah Vol. 3 No. 1 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v3i1.1707

Abstract

This study aims to determine the opportunities and challenges of agents in marketing sharia insurance products at PT. Prudential Syariah Jambi Branch. This type of research is qualitative research. The data used is primary data obtained from the company PT. Prudential Syariah Jambi Branch. Population of 373 customers during 2013-2022. The analysis used is swot analysis, swot analysis is the systematic identification of various factors to formulate company strategy. Strengths, Weaknesses, Opportunities and Threats are the company's strategic factors that need to be analyzed in the current conditions. The research results used strengths (1.69), weaknesses (1.85), opportunities (1.82), and threats (1.65). So it can be concluded that opportunities and challenges have the same risk, so that the company PT. Prudential Syariah Jambi Branch must prepare the right strategy for agents in increasing customers and marketing sharia insurance products.
Pengaruh Jumlah Penduduk, Tenaga Kerja, Investasi PMDN dan Investasi PMA terhadap Pertumbuhan Ekonomi di Provinsi Jambi Selama Periode 2010-2023 Anggraini, Dessy; Ismadharliani, Aztyara; Sudharyati, Neneng
Ekonomis: Journal of Economics and Business Vol 9, No 2 (2025): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i2.2632

Abstract

This study aims to analyze the influence of population, labor force, Domestic Investment, and Foreign Investment on economic growth in Jambi Province during the 2010-2023 period. The autoregressive distributed lag method was used with 14 years of observation. The results show that population size has a positive and significant effect on economic growth in both the short and long term. Domestic Investment has a positive and significant effect in the long term, but no effect in the short term. Meanwhile, the labor force and Foreign investment have no significant effect in either the short or long term. Therefore, it can be concluded that population growth and Domestic investment are the main factors influencing economic growth in Jambi Province during the 2010-2023 period.
HUBUNGAN POLA ASUH ORANG TUA SISWA DENGAN PERKEMBANGAN BAHASA ANAK PRASEKOLAH DI TK BUDI MULIA BANJARBARU Anggraini, Dessy; Dwi Salmarini, Desilestia; Kusumawati, Linda
Midwifery And Complementary Care Vol 3 No 2 (2024): Midwifery and Complementary Care
Publisher : LPPM Universitas Sari Mulia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33859/mcc.v3i2.383

Abstract

Background:  In Indonesia, the prevalence of delay in preschool is between 5% and 10%. In Budi Mulia Kindergarten, there are 19 children out of 50 children whose language development falls into the suspect category. Delays in language in preschoolers are caused by parental parenting. Purpose: Knowing about relationship between parental parenting and language development in preschoolers at Budi Mulia Banjarbaru Kindergarten. Method: This research method is analytical observational with Case Control design and sampling technique using simple random sampling technique. Data retrieval instruments using questionnaires. Results: There are still 11 parents who have authoritarian parenting (32.4%). The chi-squaretest showed a p-value of 0.028 < 0.05 so that there was a relationship between parental parenting and language development in preschoolers at Budi Mulia Banjarbaru Kindergarten. Hasil OR showed that parents who used authoritarian parenting were 8,438 times more at risk of developing language in the suspect category compared to parents with democratic parenting (95% CI 1,457-48,851). Conclusion: Based on the results of research on educating children, parents should be able to apply democratic parenting because it can reduce the risk of language development delays in preschoolers. Keywords: preschoolers, language development, parenting
Pengaruh Sertifikasi Halal dan Harga Terhadap Keputusan Pembelian Pada Konsumen Mixue Di Kota Jambi Rusliani, Hansen; Herman, Silvina; Anggraini, Dessy
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v8i2.14806

Abstract

Sertifikasi halal merupakan salah satu instrumen penting untuk memberikan kepastian jaminan keamanan dan kehalalan suatu produk kepada masyarakat. Hubungan antara harga dengan keputusan pembelian yaitu harga mempengaruhi keputusan konsumen dalam melakukan pembelian. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh sertifikasi halal dan harga terhadap keputusan pembelian Mixue di Kota Jambi secara parsial dan untuk mengetahui seberapa besar pengaruh sertifikasi halal dan harga terhadap keputusan pembelian Mixue di Kota Jambi secara simultan. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dan metode analisis data yang digunakan adalah regresi berganda, uji t dan uji f. Sampel dalam penelitian ini adalah 96 sampel konsumen Mixue di Kota Jambi, dengan menyebarkan kuesioner skala Likert. Hasil penelitian ini menyatakan bahwa sertifikasi halal (X1) terdapat pengaruh positif dan signifikansi terhadap keputusan pembelian konsumen Mixue di Kota Jambi. Hal tersebut dapat dibuktikan dengan hasil nilai t hitung < t tabel (6,814 > 1,986) dan nilai signifikansi sebesar 0,00 > 0,05, yang artinya bahwa Ha diterima dan Ho ditolak. Variabel harga (X2) menunjukkan bahwa terdapat pengaruh dan signifikansi terhadap keputusan pembelian konsumen Mixue di Jambi. Hal tersebut dapat dibuktikan dengan hasil nilai t hitung < t tabel (9,142 < 1,986) dan nilai signifikansi sebesar 0,00 > 0,05, yang artinya bahwa Ha diterima dan Ho ditolak. Sertifikasi halal dan harga secara simultan atau bersama-sama berpengaruh positif dan signifikansi terhadap keputusan konsumen Mixue di Kota Jambi. Hal tersebut diketahui nilai signifikansi untuk sertifikai halal (X1) dan harga (X2) secara simultan terhadap keputusan pembelian (Y) pada konsumen Mixue di Kota Jambi sebesar 0,00 < 0,05 dan nilai Fhitung > Ftabel (94,006 > 3,943). Maka dapat disimpulkan bahwa Ha diterima dan Ho ditolak. Berdasarkan analisis data dalam penelitian ini variabel-variabel tersebut valid dan reliabel. Pada pengujian asumsi klasik penelitian ini berdistribusi norma, tidak terjadi heteroskedastisitas, dan multikolinearitas.
Peran Produktif Wakaf pada Bank Wakaf Mikro di Masyarakat Kota Jambi Anggraeni, Lidya; Anggraini, Dessy
Ekonomis: Journal of Economics and Business Vol 8, No 1 (2024): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i1.1596

Abstract

This research aims to examine the significant role of productive waqf fund benefits distributed by micro waqf banks to SMEs, with the goal of improving well-being, and to assess the impact of productive waqf funds in micro waqf banks in developing the businesses of SMEs. Using a qualitative approach and descriptive research methods, the researcher collected data from various sources, including in-depth interviews with relevant parties such as the Micro Waqf Bank Management and recipients of productive waqf funds in the hope of explaining the facts and conditions needed for the research. The informants in this study consisted of 20 individuals who met the criteria of understanding and being able to argue when the researcher explored and delved into questions and statements, as well as individuals who received and used productive waqf funds, thus experiencing the impact and benefits of these funds for the sustainability of their businesses and the improvement of their quality of life. The research results indicate that the role of Micro Waqf Banks for SMEs and the impact of productive waqf fund assistance are significant. These banks play a crucial role in supporting the growth and development of SMEs. Micro Waqf Banks provide access to capital for SMEs who often face difficulties in obtaining loans from other financial institutions, thus helping them expand their businesses, create job opportunities, and enhance economic well-being. The bank's role also includes community economic empowerment through training and mentoring. The impact of productive waqf fund assistance on the development of SMEs' businesses is also highly significant. This assistance helps SMEs in business development, improving competitiveness, and overcoming capital constraints. In addition to the economic impact, productive waqf fund assistance also builds self-confidence, motivation, and the overall quality of life for SMEs.
Sosialisasi Strategi Pemasaran Syariah UMKM Kue Tradisional Warung Ibu Meriyanti Untuk Meningkatkan Pendapatan Anggraini, Dessy; Ismadharliani, Aztyara; Baining, Mellya Embun; Andriani, Beid Fitrianova; Sudharyati, Neneng; Istiqomah, Khusnul; Erliyana, Nova; Putri, Indah Permatasari
Jurnal Dharma Jnana Vol. 5 No. 2 (2025): JURNAL DHARMA JNANA
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perkembangan teknologi serta persaingan dalam usaha kian tinggi, menjadikan pelaku UMKM diharuskan memiliki strategi pemasaran yang baik agar dapat bersaing dengan kompetitornya. Supaya usaha yang dijalankan bisa berkembang dan memperoleh hasil yang maksimal perlu adanya strategi pemasaran yang efektif. Setiap usaha syariah tidak lepas dari prinsip syariah guna meminimalisir kecurangan atau kebathilan. Sebagaimana telah dijelaskan bahwa kegiatan jual beli diperbolehkan selama kegiatannya tidak menyimpang dari ajaran syariat Islam, maka semua bentuk transaksi pemasaran diperbolehkan. Tujuan penelitian ini adalah mengetahui strategi pemasaran yang dilakukan oleh UMKM Warung Ibu Meriyanti dalam menghadapi persaingan dan bagaimana dampak dari dilakukannya strategi pemasaran tersebut. Jenis penelitian yang digunakan adalah pendekatan kualitatif melalui observasi, wawancara, dan dokumentasi dengan pelaku usaha. Hasil penelitian menunjukkan bahwa penerapan strategi pemasaran UMKM kue tradisional Warung Ibu Meriyanti telah sesuai dengan prinsip syariah. Wawancara dengan informan menunjukkan adanya kenaikan pendapatan total keseluruhan dari tahun 2023 sebesar Rp 25.600.000, kemudian naik menjadi Rp 28.350.000 pada tahun 2025. Maka dari itu terlihat bahwa dalam 2 tahun terakhir mengalami kenaikan pendapatan sebesar 1,2% dari dilaksanakannya strategi pemasaran yang dilakukan.
Pengaruh Jumlah Penduduk, Tingkat Pengangguran dan Indeks Pembangunan Manusia Berdasarkan Nilai Maqashid Syariah Terhadap Kemiskinan di Provinsi Jambi Tahun 2019–2023 Mutiarawani, Vira; Mubyarto, Novi; Anggraini, Dessy; Anggraeni , Lidya
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 2 (2025): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/y6rrmr48

Abstract

Poverty remains a pressing and complex social challenge that requires diligent attention and strategic intervention from both regional and central governments, as its presence can trigger a cascade of societal problems. Numerous interrelated factors contribute to poverty, including population growth, the prevalence of unemployment, and the Human Development Index (HDI), which serves as a comprehensive indicator of a community’s overall well-being, education, and standard of living. This study seeks to examine and illuminate the intricate ways in which population size, unemployment rate, and HDI collectively shape and influence poverty levels in Jambi Province. Employing a rigorous quantitative research design, the study draws upon secondary data meticulously compiled by the Central Statistics Agency (BPS) for the period spanning 2019 to 2023. To uncover the nuanced dynamics and causal relationships among these socioeconomic variables, the analysis is conducted using panel data regression, specifically through the Fixed Effect Model (FEM), offering valuable insights into the multifaceted nature of poverty in the region.
Pendampingan Pemberdayaan UMKM Kuliner Berbasis Ekonomi Sirkular Melalui Pengolahan Limbah Menuju Zero Waste Pada UMKM Sukses Bersama Mantap Jambi Mubyarto, Novi; Erliyana, Nova; Ismadharliani, Aztyara; Martaliah, Nurfitri; Anggraini, Dessy; Syafitri, Nesya
Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 3 (2025): Jurnal Pengabdian Kepada Masyarakat
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/pkm.v5i3.4664

Abstract

This Community Service Program (PKM) aimed to strengthen the capacity of UMKM Sukses Bersama Mantap Jambi in implementing circular economy–based waste management toward a zero-waste approach. The program employed a Participatory Action Research (PAR) method involving problem identification, collaborative planning, implementation, and participatory evaluation with MSME actors and environmental stakeholders. Activities were conducted through socialization, training, and hands-on practice focusing on waste identification, processing organic waste into compost and eco-enzyme, and utilizing inorganic waste into value-added products. The results indicate increased knowledge and practical skills of MSME actors in waste management, a reduction of organic waste volume by approximately 20–30%, and the emergence of recycled products with economic potential. This program contributes to the adoption of cleaner, more efficient, and environmentally sustainable business practices and demonstrates the potential for replication in other culinary MSMEs.
Transparansi dan Akuntabilitas Pelaporan Keuangan Lembaga Keuangan Syariah di Indonesia: Perspektif Islam dan Pemangku Kepentingan Ismadharliani, Aztyara; Anggraini, Dessy; Irawan, Anja
Manajemen Keuangan Syariah Vol 6 No 1 (2026): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v6i1.5667

Abstract

This study aims to analyze the transparency and accountability of financial reporting in Islamic financial institutions (IFIs) in Indonesia from the perspectives of Islam and stakeholders. Transparency and accountability are fundamental principles in Islamic financial management that serve to uphold trust (amanah), enhance public confidence, and ensure compliance with Sharia principles. This study employs a descriptive qualitative approach with a case study design involving several Islamic financial institutions in Indonesia. Data were collected through in-depth interviews with the management of Islamic financial institutions, analysis of financial statement documents, and a review of relevant literature. The findings indicate that the practices of transparency and accountability in the financial reporting of Islamic financial institutions in Indonesia have shown considerable improvement, particularly in terms of compliance with Sharia accounting standards and the disclosure of basic financial information. Nevertheless, several challenges remain, including limitations in human resource capacity, variations in the understanding of Sharia accounting standards, and the suboptimal disclosure of non-financial information such as social impact and Sharia compliance. This study provides important implications for strengthening Islamic financial management practices and for formulating policies aimed at improving the quality of Sharia financial reporting in Indonesia.
Trust and behavioral intention toward blockchain-based mudharabah smart contracts in Islamic banking Fielnanda, Refky; Novida, Irma; Rahma, Sri; Anggraini, Dessy; Alwahidin , Alwahidin
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art1

Abstract

Purpose – This study examines how perceived usefulness, perceived ease of use, and Sharia compliance shape trust in blockchain-based mudharabah smart contracts and how trust drives the behavioral intention to adopt them.Methodology – An online survey of 300 purposively selected Islamic bank customers in Indonesia, screened for familiarity with digital financial services and blockchain, was analyzed using partial least squares structural equation modelling (PLS-SEM), drawing on the technology acceptance model and the Sharia compliance perspective.Findings – Perceived usefulness (β = 0.707) and Sharia compliance (β = 0.234) significantly increased trust, whereas perceived ease of use did not (β = 0.041; p = 0.069). Trust strongly predicted behavioral intention (β = 0.889) and mediated the effects of perceived usefulness (β = 0.629) and Sharia compliance (β = 0.208), but not perceived ease of use. The model explains 91.9% of the variance in trust and 79.1% in the behavioral intention.Implications – Adoption depends more on demonstrable functional benefits and visible Sharia governance than on interface simplicity; therefore, Islamic banks and fintech developers should prioritize transparency and auditable Sharia assurance mechanisms in smart contract design.Originality – Prior Islamic fintech research has treated technology acceptance and Sharia compliance as separate explanations for adoption. This study jointly models them as antecedents of trust in a decentralized contract setting, where automation removes the human intermediary that conventionally guarantees Sharia conformity — a configuration not previously tested on Islamic banking customers.
Co-Authors Agustin Nengsih, Titin Alwahidin , Alwahidin Andriani, Beid Fitrianova Anggraeni , Lidya Anggraeni, Lidya Ayu Wulandari DEWI SARTIKA Dwi Salmarini, Desilestia Efrina, Leni Erliyana, Nova Feby Indriana Yusuf Firmansyah Chandra, Rizky Habriyanto Habriyanto Hartati, Fitriyanti Haryadi - Herman, Silvina Irawan, Anja Ismadharliani, Aztyara ISNAWATI Khusnul Istiqomah Kurniyati Linda Kusumawati M. Ismail Martaliah, Nurfitri Mellya Embun Baining Mili, Mili Mubyarto, Novi Mutiarawani, Vira Novi Prayekti Novida, Irma Putri Br Ginting, Loisa Putri, Indah Permatasari Rahma, Sri Rahmi Holinesti Refky Fielnanda Rusliani, Hansen Selviana Sinta Siregar, Fitri Ana Sudharyati, Neneng Suhartini, Yetti Syafitri, Nesya Syahril Ahmad Umariah, Riska Urwawuska Ladini Wirnelis Syarif