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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 AL-FALAH : Journal of Islamic Economics 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 Qiyas : Jurnal Hukum Islam dan Peradilan Journal of Indonesian Management Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Yarmunida, Miti
UIN FATMAWATI SUKARNO BENGKULU
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Pengaruh Akses E-Commerce Terhadap Perilaku Konsumtif Remaja Dalam Perspektif Ekonomi Syariah Pezi Rota Putra; Miti Yarmunida; Debby Arisandi
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7739

Abstract

Coffee Culture and Sense of Place: A Genius Loci Study of Warung Kopi Purnama in Bandung. This study aims to determine the effect of E-commerce access on adolescent consumer behavior from a sharia economic perspective in Bengkulu City. The research method used is quantitative with simple regression techniques and involved 100 respondents. The results of the study indicate that E-commerce access has a positive and significant effect on consumer behavior, evidenced by a regression coefficient value of 0.783 and a significance value of 0.000 <0.05. The R Square value of 0.648 indicates that E-commerce access contributes 64.8% to adolescent consumer behavior. This finding indicates that the higher the E-commerce access, the higher the tendency of adolescents to make impulsive purchases. From a sharia economic perspective, excessive consumer behavior is not in accordance with the principles of tawazun, qana'ah, as well as the prohibition of israf and tabdzir. Therefore, it is necessary to strengthen sharia economic literacy so that adolescents are able to behave in a wise manner in accordance with Islamic values. Keywords: E-commerce Access, Consumptive Behavior, Sharia Economy, Teenagers
Marketing Strategy of Salted Fish Traders during the Covid-19 Pandemic (Case Study of Malabro Village, Kecamatan Teluk Segara, Kota Bengkulu) Sili Maryani; Oka Media; Engga Junia Lesri; Miti Yarmunida; Andi Harpepen
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) Sari Nurrohmah Yuniarta; Lilis Kurniati; Rizando Purga; Miti Yarmunida; Amimah Oktarina
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.
WAKALAH DALAM AKAD MURABAHAH Miti Yarmunida
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 1, No 1 (2014): April
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v1i1.42

Abstract

Fatwa Dewan Syari’ah Nasional NO: 04/DSN-MUI/IV/2000 TentangMURABAHAH point pertama tentang ketentuan umum murabahah nomor 9menjelaskan kebolehan pihak bank mewakilkan pembelian barang kepadanasabah yang membutuhkan barang tersebut, kemudian setelah barang secaraprinsip sudah dimiliki oleh bank maka dilakukan transaksi murabahah. Akantetapi dalam pelaksanaan di lapangan praktek wakalah dalam murabahah tidakdiakhiri dengan pelaksanaan transakasi murabahah, hal ini dapat dipahami daritindakan nasabah yang hanya menyerahkan bukti (kwitansi) pembelian barangtersebut sebagai kelengkapan administrasi, dengan demikian proses akadmurabahah mendahului pelaksanaan wakalah. Bagaimana status hukum wakalahantara bank dengan nasabah dalam akad murabahah yang mana wakil tanpapenyerahan dari muwakkil langsung menjadi pemilik benda yang menjadi objekwakalah?.
Pemberdayaan Remaja Masjid melalui Literasi Hukum Perkawinan Berbasis Maqashid Syariah untuk Mencegah Perkawinan Anak Miti Yarmunida; Iim Fahimah; Muhammad Arkanul Iman; Muhammad Irvan Syahril; Yunia Putri
KENDURI : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 6 No. 1 (2026): January-April
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/kenduri.v6i1.2100

Abstract

This community service activity aims to empower mosque youth through maqashid-based Islamic family law literacy as a preventive strategy against child marriage. The persistence of child marriage remains a significant social issue, particularly in coastal and rural communities, and is influenced by limited legal awareness, entrenched socio-cultural norms, and partial religious understanding that tends to emphasize formal legality rather than substantive objectives. This program applies a Community-Based Research (CBR) approach involving 47 mosque youth as active participants. The implementation includes several stages, namely social mapping to identify community conditions, development of legal literacy modules based on maqashid al-shariah, participatory training sessions, and the formation of peer educators to ensure program sustainability. Data were collected through observation, interviews, focus group discussions, and pre- and post-tests to measure changes in participants’ knowledge and attitudes. The results indicate a significant increase in legal literacy, with an improvement of 45–60%, along with a notable shift in participants’ perspectives toward delaying marriage until achieving adequate psychological, social, and economic readiness. The maqashid-based approach proved effective in transforming normative religious perspectives into more contextual and substantive legal awareness. This activity highlights the strategic role of mosque-based empowerment as a culturally relevant and sustainable approach to strengthening community legal awareness and preventing child marriage, particularly by positioning youth as agents of social change within their communities.
Tela’ah Kritis Sistem Arisan Daging di Desa Tungkal Kecamatan Pino Raya dalam Perspektif Maslahah Raga Pratama Satria Gusti; Miti Yarmunida; Miko Polindi
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.v11i3.31805

Abstract

This study aims to analyze the implementation mechanism of the meat arisan, identify the form of contract (akad) used, and examine the practice from the perspective of maslahah. This research employs a qualitative method with a field research approach. The data analysis technique used the interactive model of Miles, Huberman, and Saldaña. The results of the study indicate that the implementation mechanism of the meat arisan is carried out through the formation of a community group that collectively gathers regular contributions based on mutual deliberation to purchase livestock, which are then slaughtered and distributed equally among all members according to mutual agreement. The contract used in this practice is based on the principles of ta‘awun (mutual assistance), togetherness, and collective agreement conducted verbally through deliberation without formal written contracts. This practice reflects cooperation, mutual trust, willingness, and social responsibility without containing elements of riba. From the perspective of maslahah, the meat arisan provides significant economic, social, and religious benefits. Economically, it helps low-income communities obtain meat through a gradual payment system. Socially, it strengthens solidarity and the culture of mutual cooperation, while religiously it reflects the Islamic values of ukhuwah (brotherhood) and trustworthiness (amanah). Although there are still several challenges, such as administrative weaknesses and the absence of clear written regulations, the benefits gained are considered greater than the disadvantages, making this practice consistent with the perspective of maslahah.
Between Spirituality and Accountability: The Dynamics of Friday Prayer Infaq at the Baitul Jannah Mosque from an Islamic Economic Perspective Wenni Ristia Ulandari; Miti Yarmunida; Khairuddin Khairuddin; Ahmad Khoirudin Khoirudin; Liliany Purnama Ratu
AL-FALAH : Journal of Islamic Economics Vol. 11 No. 1 (2026)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v11i1.17174

Abstract

Objective: This study aims to analyze the factors influencing the Friday prayer infaq practice of Baitul Jannah Mosque worshippers from an Islamic economic perspective, focusing on the interaction between spiritual motivation, mosque management, and economic conditions. Design/Method/Approach: Using a qualitative approach with a descriptive case study design. Data were obtained through semi-structured interviews with six key informants (worshippers, mosque administrators, and religious leaders), and supported by observation and documentation. Data analysis is carried out through the stages of data reduction, data presentation, and conclusion drawing by triangulating sources for validity. Findings: The fluctuations in Friday prayer infaq are influenced by the economic instability experienced by some pilgrims, especially the young age group. The principle of hifz al-mal (safeguarding wealth) is often more dominant than spiritual motivation, so infaq is seen as the allocation of residual income. Conventional financial reporting has not been fully able to reach pilgrims who rarely attend and the digital generation, and the allocation of funds oriented to physical operations reduces the optimization of social benefits of community empowerment. Originality/Value: This research contributes to the study of mosque management and Islamic philanthropy by revealing the dynamics of infaq behavior in low-income housing communities. The findings show that strengthening digital-based transparency and the development of community economic empowerment programs have the potential to increase infaq participation by bridging the gap between spiritual values and the economic reality of pilgrims.
Ji'alah as a Performance-Based Payroll Method: An Analysis of Implementation in Sharia Companies Intan Purnama Sari; Miti Yarmunida; Nenan Julir
Jurnal Aghniya Vol. 7 No. 1 (2024): Islamic Economics and Banking Education
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Nahdlatul Ulama Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64565/aghniya.v7i1.18

Abstract

Background: Although rental transactions are generally categorized as ijarah, some contemporary practices, such as competitions, app-based transportation, and lost-item retrieval services, are more accurately categorized as ji'alah. Therefore, an in-depth study of the application of the ji'alah contract in the business world, particularly in Sharia companies, is necessary. Method: This research used a qualitative approach with a literature review. Data were collected through literature review and interviews, with data analysis utilizing source and technique triangulation. Informants were selected using non-purposive sampling. Results: The study found that the ji'alah contract has been implemented in various sectors, such as transportation (vehicle rentals, online motorcycle taxis), design competitions, and lost-item retrieval services. The valid conditions for a ji'alah contract include: (1) the parties to the contract must be of sound mind and mature, (2) the wages must be clear in amount and type, (3) the work being paid must be permissible (permissible according to sharia), and (4) it must not contain any prohibited elements of gharar. In practice, ji'alah is more flexible than ijarah because it does not require predetermined time and work details. Conclusion: The ji'alah contract is a sharia-compliant alternative to a results-based wage system that aligns with Islamic economic principles. Its application in various sectors demonstrates that ji'alah can be a solution in modern transactions that prioritize flexibility and fairness. However, its implementation must still comply with Islamic law to avoid gharar or unclear rights and obligations of the parties.
AKAD WAKALAH DALAM INVESTASI SYARIAH: TANTANGAN DAN PELUANG Barokallah; Miti Yarmunida; Nenan Julir
Jurnal Aghniya Vol. 9 No. 2 (2026): Islamic Economics and Banking Education
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Nahdlatul Ulama Bengkulu

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

Abstract

Investors must know the contracts used when making an investment agreement to minimize losses on investments made, if the investor enters into an agreement granting authority to the investment manager to manage funds entrusted to the customer with the aim of making a profit. Research conducted regarding the analysis of wakalah contracts provides an overview of a number of important problems such as the lack of knowledge of investors who are just starting to invest. This type of research uses a qualitative type with descriptive research methods. Choosing the right contract depends on the type of investment chosen, the risks to be faced, and the relationship between the parties involved. Wakalah contracts offer flexibility and better risk management for representatives. In wakalah contracts, it is more advantageous for situations where professional and efficient management is required without transferring risk to the managing party. The wakalah contract has the advantage of being managed by a more professional person without transferring the risk to the manager. The wakalah contract makes it easier for the deputy to get solutions according to the problem.
Implementasi Peraturan Mahkamah Agung Nomor 7 Tahun 2022 tentang Administrasi Perkara dan Persidangan Secara Elektronik dalam Kasus Perceraian Perspektif Maqashid Syari’ah (Studi di Pengadilan Agama Bengkulu Kelas IA) Ossi Mira Sela; Zurifah Nurdin; Miti Yarmunida
QIYAS: JURNAL HUKUM ISLAM DAN PERADILAN Vol 10, No 2 (2025)
Publisher : UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/qys.v10i2.7273

Abstract

Abstracts: This study aims to examine the implementation of Supreme Court Regulation Number 7 of 2022 on Case Administration and Electronic Court Proceedings in resolving divorce cases at Bengkulu Class IA Religious Court and to analyze the maqashid syari'ah perspective concerning the implementation of Supreme Court Regulation Number 7 of 2022 in the resolution of divorce cases at Bengkulu Class IA Religious Court. This research employs a field research methodology. The findings reveal that the implementation of Supreme Court Regulation Number 7 of 2022 concerning Case Administration and Electronic Court Proceedings in resolving divorce cases at Bengkulu Class IA Religious Court includes online case registration, online advance payment, electronic summons, hearings for peaceful resolution attempts and mediation, followed by electronic hearings covering responses, replies, rejoinders, evidence submission, conclusions, and verdict reading. The process of resolving divorce cases in the court has been effective, although several factors still hinder its implementation. These factors include the limited understanding of the public regarding electronic court procedures, suboptimal performance of the e-court application system, legal enforcement issues, and the limited competence of human resources. From the maqashid syari'ah perspective, the implementation of Supreme Court Regulation Number 7 of 2022 in resolving divorce cases at Bengkulu Class IA Religious Court is categorized as a form of preserving religion, life, and property. In terms of necessity and priority scale, it is classified under the category of hajiyyah(secondary needs that facilitate ease), as opposed to daruriyyah(primary or essential needs).Keywords: Supreme Court Regulation Number 7 of 2022, Electronic Court Proceedings, Maqashid Syari'ah Abstrak : Penelitian ini bertujuan untuk mengetahui implementasi Peraturan Mahkamah Agung Nomor 7 Tahun 2022 tentang Administrasi Perkara dan Persidangan Secara Elektronik dalam proses penyelesaian kasus perceraian di Pengadilan Agama Bengkulu Kelas IA dan untuk menganalisis tinjauan maqashid syari’ah terkait implementasi Peraturan Mahkamah Agung Nomor 7 Tahun 2022 tentang Administrasi Perkara dan Persidangan Secara Elektronik dalam proses penyelesaian kasus perceraian di Pengadilan Agama Bengkulu Kelas IA. Jenis penelitian ini adalah penelitian lapangan (field research). Hasil penelitian ini menunjukkan bahwa implementasi Peraturan Mahkamah Agung Nomor 7 Tahun 2022 tentang Administrasi Perkara dan Persidangan di Pengadilan Secara Elektronik dalam proses penyelesaian kasus perceraian di Pengadilan Agama Bengkulu Kelas IA yaitu pendaftaran perkara online, pembayaran panjar biaya online, pemanggilan elektronik, persidangan tahap upaya damai dan mediasi, selanjutnya persidangan akan dilakukan secara elektronik dengan agenda jawaban, replik duplik, pembuktian, kesimpulan dan pembacaan putusan. Adapun dalam menyelesaikan proses kasus perceraian di Pengadilan sudah efektif, meskipun masih terdapat beberapa faktor yang menjadi kendala dalam implementasinya. Beberapa faktor yang dimaksud adalah karena masih banyaknya masyarakat yang belum memahami tata cara persidangan secara elektronik, ketidakoptimalan sistem aplikasi e-court, faktor penegakkan hukum, dan keterbatasan kompetensi sumber daya manusia. Adapun tinjauan maqashid syari’ah terkait implementasi PERMA Nomor 7 Tahun 2022 dalam proses penyelesaian kasus perceraian di Pengadilan Agama Bengkulu Kelas IA yaitu e-litigasi termasuk dalam bentuk penjagaan agama, penjagaan jiwa, dan penjagaan harta, sedangkan untuk tingkat kebutuhan dan skala prioritasnya termasuk dalam kategori hajiyyah yaitu kebutuhan untuk meringankan (sekunder) bukan kebutuhan pokok/wajib (primer). Kata kunci: PERMA Nomor 7 Tahun 2022, Persidangan Elektronik, Maqashid Syari'ah
Co-Authors Ahmad Khoirudin Khoirudin Amimah Oktarina Amimah Oktarina Andi Harpepen Andika Sepriyadi Atika Tri Aryani Barokallah 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 Khairuddin Khairuddin Lika Handayani Liliany Purnama Ratu Lilis Kurniati Marita Putri Melati Oktavia utami Miko Polindi Muhammad Arkanul Iman Muhammad Irvan Syahril Nenan Julir Nenan Julir Nilda Susilawati Nurfatati Oka Media Ossi Mira Sela 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 Wenni Ristia Ulandari Wulandari Wulandari Yetti Afrida Indra Yunia Putri Yunida Een Fryanti Zurifah Nurdin