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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Universitas Batanghari Jambi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Manhaj: Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Aghniya juremi: jurnal riset ekonomi Muqaranah Al-Istinbath: Jurnal Hukum Islam Nusantara: Journal Of Law Studies Maslahah: Jurnal Manajemen dan Ekonomi Syariah Journal of Sharia and Legal Science Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat Journal of Innovative and Creativity Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Journal of Indonesian Management Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Yarmunida, Miti
UIN FATMAWATI SUKARNO BENGKULU
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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PENETAPAN NISBAH BAGI HASIL PADA AKAD KERJASAMA PEMELIHARAAN HEWAN TERNAK PERSPEKTIF EKONOMI SYARIAH Yarmunida, Miti; Wulandari, Wulandari
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 1, No 1 (2016)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (594.95 KB) | DOI: 10.29300/ba.v1i1.851

Abstract

Determining the profit-sharing ratio in Islamic concepts is a necessity. The system of determination of the profit-sharing ratio should refer to the principle of fairness of inter-personal balance of the conduct of the council. The behavior of the Muslim community in Indonesia, especially in the villages, is still a lot that does not set the profit-sharing ratio at the time of agreement (akad). As with the livestock raising, the yield-sharing system is set at the time of the outcome and often the determinant of how much of each part is the owner of the livestock. The unilateral provision makes one party feel unfair and is forced to accept his part. Keywords: Nisbah Profit-Sharing, Coorporation  Agreemen
ANALISIS FAKTOR MOTIVASI JATI DIRI MUSLIM MELAKSANAKAN HAJI DAN UMRAH Stiawan, Evan; Yarmunida, Miti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 1 (2019)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (121.105 KB) | DOI: 10.29300/ba.v4i1.1700

Abstract

Populasi yang cukup tinggi dalam membuat masyarakat Indonesia beramai ramai melaksanakan ibadah haji dan umrah. Hal ini tercermin pada waktu tunggu antri untuk ibadah haji di Indonesia yaitu berkisar waktu 10-17 Tahun. Data tersebut menunjukan bahwa sangat banyak sekali antusiasmen warga dalam melaksanakamn ibadah haji, akan tetapi untuk mengisi waktu tunggu tersebut yang cukup lama banyak masyarakat yang melakukan ibadah umrah. Penelitian ini bertujuan mengetahui faktor-faktor motivasi masyarakat melaksanakan ibadah haji dan umrah. Studi desain penelitian ini menggunakan metode analisis faktor melalui uji  Barlett test of sphericity, Kaiser Mesyer Olkin (KMO), dan Measure Sampling Adequacy (MSA). Faktor individu yaitu usia dan pendidikan tidak dapat menjadi faktor yang signifikan dalam mempengaruhi untuk melaksanakan ibadah haji dan umrah.
Musyarakah mutanaqishah Pada Perbankan Syariah di Indonesia: Pendekatan Maqasid Syariah Yarmunida, Miti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3652

Abstract

This study aims to identify the implementation of the musyarakah mutanaqishah contract in Islamic banking in Indonesia based on the Islamic maqasid review. This research uses descriptive qualitative method. The research data were collected using the documentation method. The data used in this research is secondary data obtained from various sources regarding the provisions of sharia fatwas, sharia standards, statutory regulations, operational and practical standards in Islamic banking, as well as the results of relevant research and publications. The data were analyzed using the inductive method. The analysis of the implementation of the musyarakah mutanaqishah contract is carried out based on the maqasid sharia approach. The results of the study found that the implementation of the musyarakah mutanaqishah contract as an alternative to mudharabah financing in Islamic banking, from the aspect of risk charging and equal partnerships, was not in accordance with the maqashid sharia and existing regulations in Indonesia
HALAL PRODUCTION AT THE MEATBALL HOME INDUSTRY IN BENGKULU CITY Miti Yarmunida; Nilda Susilawati; Khairiah Elwardah
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3175

Abstract

Abstract,Halal certification is a must in the culinary field, especially in supporting Indonesia as a world halal tourism destination. However, the phenomenon that is developing in the city of Bengkulu, there are still many processed foods, especially flour and meat such as meatballs, which are very popular with the public, do not have a halal certificate in their sales In fact, there is only 1 meatball business in Bengkulu that is registered in the 2020 LPPOM MUI halal product shopping. Thus, the purpose of this study is to describe how the process of production of food processed with flour and meat, which is mostly a category of home industry in Bengkulu City, and analyzes it using production theory in Islam. This research method is descriptive qualitative. Research informants were home industry food producers, namely food producers from processed meat and flour. This business does not yet have a brand or production permit from the related party, even though they produce the food every day and it is sold freely in the city of Bengkulu. The research instrument was an open interview guide to dig deeper into the information about the production process that the informant did. Data analysis through restatement, description and interpretation of data. The results of the study found that the meatball home industry food production process in Bengkulu City has not had a halal standard of production as regulated in production theory in Islam. This happened on the background of the lack of knowledge of home industry players about halal production and tended not to consider the issue of halal label and production permits from related parties as important.
Analisis Penetapan Fee (Ujrah) Pada Produk Pembiayaan BSI Hasanah Card di PT. Bank Syariah Indonesia Atika Tri Aryani; Miti Yarmunida; Amimah Oktarina
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No S1 (2022): SPECIAL ISSUE DNU 14 TH
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v10iS1.1932

Abstract

Penelitian ini bertujuan untuk mengetahui sistem penetapan fee (ujrah) pada produk pembiayaan BSI Hasanah Card di Bank Syariah Indonesia. Jenis pendekatan penelitian menggunakan metode deskriptif kualitatif. Penelitian ini termasuk dalam kategori penelitian lapangan (field research). Dalam penelitian ini, data primer dan sekunder digunakan untuk mengumpulkan informasi. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Secara khusus, metode Miles dan Huberman digunakan dalam penelitian ini untuk analisis data. Hasil dari penelitian ini menjelaskan bahwa sistem penetapan fee (ujrah) pada BSI Hasanah Card dipengaruhi oleh limit kartu, fasilitas yang didapatkan nasabah dan jumlah pemakaian nasabah. Dan penetapan fee BSI Hasanah Card juga berdasarkan surat keputusan peraturan Bank Indonesia.
Strategi Adaptasi Biro Tour And Travel Dalam Menghadapi Pendemi Covid-19 (Studi Kasus Pada Perusahaan Tour And Travel Haji dan Umrah PT AQM Kota Bengkulu) Melati Oktavia utami; Miti Yarmunida; Yunida Een Fryanti
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No S1 (2022): SPECIAL ISSUE DNU 14 TH
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v10iS1.1991

Abstract

This study aims to determine the adaptation strategy of tour and travel bureaus in dealing with the COVID-19 pandemic. This study uses a descriptive qualitative approach with the object of AQM research in Bengkulu City with Mr. Heru Putra Perdana A.Md. as General Supervisor/IT. Data collection techniques used are interviews, observation and documentation. data analysis technique is descriptive qualitative by collecting, managing, analyzing and presenting data. The results of this study the authors conclude that Covid-19 has greatly impacted the Umrah Travel Organizer (PPIU) at PT. The Quba Mandiri Award for Bengkulu City. the adaptation strategy of the tour and travel bureau in dealing with the covid-19 pandemic, it can be concluded that the adaptation strategy used is by applying an adaptive strategy (adjustment strategy), an adaptive strategy of prospectors and defenders types, namely making adjustments to current conditions, innovations made by PT . Anugerah Quba Mandiri City of Bengkulu with the formation of a 3s team, recruiting as many employees as possible, the tamrah system (umrah savings), and booking a sit down deposit of 5 million. To restore the company's income, opening a new business, a raudoh figure is a branch of AQM such as Muslim clothes, Umrah gifts, zam-zam water, dates, etc. apply Umrah savings in cooperation with the appointed bank. People can save at any time while waiting for confirmation of departure. This strategy led to innovations aimed at attracting public interest and keeping the company afloat.
STUDI KOMPARATIF PENDAPATAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) PADA USAHA OLEH-OLEH KHAS BENGKULU SEBELUM DAN DI MASA PANDEMI COVID-19 Rara Mardianti; Riska Lustiana; Miti Yarmunida; Yetti Afrida Indra
Juremi: Jurnal Riset Ekonomi Vol. 1 No. 5: Maret 2022
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/juremi.v1i5.865

Abstract

This study aims to compare the income of MSMES at souvenir shops typical of Bengkulu before and during the Covid 19 pandemic and to find out the survival strategies that can be used by Bengkulu souvenir shops during the Covid-19 pandemic. The method used in this study uses a descriptive quantitative approach. The results showed that there were significant differences in the income level of MSMES in Bengkulu souvenir shops before and during the pandemic. Based on the analysis of the marketing strategy of MSME actors in Bengkulu souvenir shops, the following survival strategies can be used: 1) Increasing Human Resources, 2) Implementing Creative Innovations, 3) E-Marketing Strategies In Promotion, 4) Product And Service Quality Improvement, 5) Production Cost Reduction.
PEMAHAMAN NASABAH TERHADAP AKAD ASURANSI PRUDENTIAL SYARI’AH DI KOTA BENGKULU Miti Yarmunida
Manhaj: Jurnal Penelitian dan Pengabdian Masyarakat Vol 6, No 2 (2017): Manhaj: Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Institut Agama Islam Negeri Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (155.248 KB) | DOI: 10.1161/.v5i2.750

Abstract

Perkembangan peradaban manusia di era modern ini terutama di bidang perekonomian sangat pesat, salah satunya adalah perkembangan di bidang Lembaga Keuangan Syari’ah. Ekonom modern, baik ilmuan maupun praktisinya, baik muslim ataupun non muslim, melihat peluang peningkatan percepatan perekonomian melalui lembaga keuangan syari’ah. Seperti perbankan syari’ah, Asuransi syari’ah, pegadaian syari’ah, reksadana syari’ah, BMT, dan lain-lain.Asuransi syari’ah sebagai lembaga keuangan yang beroperasi sesuai dengan prinsip syari’ah, harus benar-benar memperhatikan operasional yang mereka lakukan dari aspek kesesuaian dengan prinsip syari’ah. Sehingga label lembaga keuangan syari’ah tersebut bisa dipertanggungjawabkan. Setiap produk yang ditawarkan pihak Asusansi Prudential Syari’ah  harus sejalan dengan prinsip akad dalam Ekonomi syari’ah, mulai dari negosiasi antara pihak Asuransi dengan nasabah sampai beakhirnya kontrak (akad).  Kata kunci : Pemahaman, Nasabah, Asuransi Syariah.
Kedudukan Talak di Pengadilan Perspektif Siyasah Syariyah Miti Yarmunida; Busra Febriyarni
AL-ISTINBATH : Jurnal Hukum Islam Vol 4, No 2 November (2019)
Publisher : Institut Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (464.113 KB) | DOI: 10.29240/jhi.v4i2.1020

Abstract

The purpose of this discussion is to describe the analysis of siyasah shariah for divorce in court. The understanding is still developing in Indonesian religious and Muslim community figures that divorce is not mandatory in court, divorce in court is only for administrative needs. This research is explanatory research, the source of the data used is library data, data processing by editing, coding, reconstructing and systematizing and analysis using deductive logic. The result of this discussion is that the state has the authority to set regulations that can bring benefit to its people even though explicit divorce in court is not found in Islamic legal norms. But every regulation that is believed to be able to uphold the benefit and reject the interpretation is the implementation of the values of Islamic teachings. The state makes legal rules in marital affairs is to realize justice, certainty and legal benefits for the benefit of society in the field of marriage and in accordance with sharia maqashid.
Analisis Deskriptif Perbandingan Rasio Likuiditas Bank Syariah Sebelum Dan Di Masa Pandemi Covid-19 Andika Sepriyadi; Dela Safitri; Rotipa Aulia; Rizky Hariyadi; Miti Yarmunida
Journal of Economic, Bussines and Accounting (COSTING) Vol 6 No 1 (2022): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v6i1.4188

Abstract

The purpose of this study is to compare the liquidity ratios of Islamic banks before and during the covid-19 pandemic. This study uses qualitative research methods and the data source used is secondary data taken from the financial statements of Islamic banks which are the object of research. The results showed that there were Islamic banks that experienced an increase and decrease in FDR from the previous year, Islamic banks that experienced an increase were Bank Bukopin Syariah and BTPN Syariah, while those that experienced a decrease in FDR were Bank Mega Syariah, BCA Syariah and Bank Muamalat. On CR Bank Mega Syariah, BCA Syariah and Bank Muamalat increased , the component R asio remain in a healthy state as the previous year . S hile Bank Syariah Bukopin and Bank Syariah Bank experienced a significant decline seen from its declining ratio. QR BCA Syariah, Bank Bukopin Syariah and BTPN Syariah experienced an increase during the pandemic compared to the previous year as indicated by their ratios that were in a healthy condition, while Bank Mega Syariah and Bank Muamalat did not experience an increase in their ratios as indicated by ratios that were in an unhealthy condition. Keywords: FDR, CR, QR, Covid-19, Liquidity
Co-Authors Amimah Oktarina Amimah Oktarina Andi Harpepen Andika Sepriyadi Atika Tri Aryani Busra Febriyarni Busra Febriyarni, Busra Debby Arisandi Debby Arisandi Dela Safitri Engga Junia Lesri Evan Stiawan Giyarsi Iim Fahimah Iim Fahimah Intan Purnama Sari Janes Kurnia Hadi Jayusman Jayusman Jayusman John Kenedi Khairiah Elwardah Lika Handayani Lilis Kurniati Marita Putri Melati Oktavia utami Miko Polindi Muhammad Arkanul Iman Muhammad Irvan Syahril Nenan Julir Nilda Susilawati Nurfatati Oka Media Pezi Rota Putra Raga Pratama Satria Gusti Rara Mardianti Riska Lustiana Rizando Purga Rizky Hariyadi Roni Mulyanto Rotipa Aulia Saidah Siagian Sari Nurrohmah Yuniarta Shafra Sili Maryani Stiawan, Evan Tri Wahyuni Wulandari Wulandari Yetti Afrida Indra Yunia Putri Yunida Een Fryanti