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All Journal al-Uqud : Journal of Islamic Economics AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Riset Terapan Akuntansi Jurnal Ilmiah Manajemen Kesatuan Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Indonesian Journal of Electrical Engineering and Computer Science Airlangga Journal of Innovation Management Indonesian Journal of Islamic Economics and Business Bima Journal : Business, Management and Accounting Journal Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Labatila: Jurnal Ilmu Ekonomi Islam Jurnal Perbankan Syariah Darussalam (JPSDa) JSE: Jurnal Sharia Economica Madania: Jurnal Kajian Keislaman BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Arisandy, Yosy
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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PENILAIAN KINERJA (PERFORMANCE APPRAISAL) PEGAWAI NEGERI SIPIL DENGAN MENGGUNAKAN KOMBINASI METODE KEY PERFORMANCE INDICATOR DAN 360 DEGREE FEEDBACK Arisandy, Yosy
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 1 (2017)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (744.305 KB) | DOI: 10.29300/ba.v2i1.1049

Abstract

Performance appraisal of Civil Servants was conducted with an emphasis on the achievement of target achievement level employee or the work that has been prepared and agreed upon between the Civil Service and the Office of Evaluation. According to Article 4 PP 46 In 2011, the performance appraisal of civil servants divided into two elements Work Target (SKP) and Work Behaviour. However there remain weaknesses in the system of evaluation of the problems which arose at the standard value of the standard to determine the quality of the civil servants and minimum performance assessment conducted only in charge of the assessment by the employer's subjective assessment of opportunities. In management performance assessment can be done by using Key Performance Indicator and 360 degree feedback. With the combination of both the expected performance evaluation of the performance appraisal of civil servants that is more measurable, objective and effective as an input to the Civil Service Agency (BKN). Keywords: Performance Evaluation, Target Officers, Civil Servants, Key Performance Indicators, 360 degree feedback
FUNDING CELENGAN PADA BPRS SAFIR BENGKULU Yani, Erma Putri; Arisandy, Yosy
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 1 (2018)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (857.564 KB) | DOI: 10.29300/ba.v3i1.1473

Abstract

The purpose of this study was to determine the effectiveness of the implementation of the funding piggy bank at PT. BPRS Safir Bengkulu and the factors that caused the stall traders to save in the funding piggy bank at PT. BPRS Safir Bengkulu. The research conducted is field research using qualitative methods. The data used in this study are Primary Data obtained through interviews with the Funding Division, Funding Officer, Costumer Service, General Division and Personnel, and Secondary Data obtained from books related to research problems. After the data is obtained then it is analyzed using qualitative descriptive method which is then analyzed deductively. The results of the study found that (1) the implementation of the funding piggy bank at PT. BPRS Safir Bengkulu. After a customer agreement with the BPRS Safir bank, the bank places the piggy bank with the customer, the customer saves the money in the box. After that the bank took the Warung savings, Hajj savings, and Qurban savings. And recorded according to the nominal savings. (2) factors that cause traders to save in the funding piggy bank at PT. BPRS Safir Bengkulu. Because of the friendly service. maintain customer trust, ease in saving, ease of obtaining information about products.
Strategi Bank Indonesia dalam Mengakselerasi Ekonomi Syariah Melalui Program Pengembangan Kemandirian Ekonomi Pesantren Riani, Deni Elva; Arisandy, Yosy; Hasibuan, Rahmat Putra Ahmad
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 2 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v9i2.2862

Abstract

This study aims to analyze Bank Indonesia's strategy in accelerating Islamic economics through the economic independence development program for Islamic boarding schools (pesantren) in Bengkulu Province. The research method used is qualitative with a descriptive approach. The findings indicate that Bank Indonesia has successfully strengthened the role of pesantren in the halal product ecosystem by providing support in the form of training, production equipment, and marketing. The pesantren involved have successfully developed their business units. This program has also improved Islamic financial literacy among pesantren and students, while providing entrepreneurial skills. The implications of this study highlight the importance of collaboration between Bank Indonesia, pesantren, and strategic partners to accelerate the development of Islamic economics. This research offers new insights by emphasizing the role of pesantren in the development of Islamic economics at the local level, which can contribute to the national economy.
Pengaruh Motivasi Rasional Dan Emosional Konsumen Non-Muslim Terhadap Keputusan Pembelian Produk Islamic Branding Fadhilah, Ana; Arisandy, Yosy; Indra, Yetti Afrida
Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 5 No 1 (2025): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - Maret 2025
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimpa.v5i1.520

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh motivasi rasional dan emosional terhadap keputusan pembelian produk perawatan kulit dengan Islamic branding pada konsumen non-Muslim di komunitas Gereja Kristen Sumatera Bagian Selatan (GKSBS). Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei dengan menyebarkan kuesioner kepada 53 responden yang dipilih secara acak sederhana. Hasil analisis regresi linier berganda menunjukkan bahwa motivasi rasional dan emosional memiliki pengaruh yang signifikan terhadap keputusan pembelian. Secara parsial, motivasi rasional memiliki pengaruh yang lebih besar daripada motivasi emosional. Koefisien determinasi menunjukkan bahwa kedua variabel tersebut menjelaskan 19,8% variasi keputusan pembelian, sedangkan sisanya dipengaruhi oleh faktor lain. Temuan ini memberikan wawasan tentang strategi pemasaran yang efektif dalam menjangkau konsumen non-Muslim di pasar Islamic branding.
Enhancing uncollateralized loan risk assessment accuracy through feature selection and advanced machine learning techniques Salahudin, Shahrul Nizam; Dasril, Yosza; Arisandy, Yosy
Indonesian Journal of Electrical Engineering and Computer Science Vol 38, No 2: May 2025
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijeecs.v38.i2.pp1149-1161

Abstract

Accuracy in evaluating the risk of credit applications is crucial for lenders, particularly when dealing with unsecured loans. Accuracy can be enhanced by selecting suitable features for a machine learning model. To better identify high-risk borrowers, this study applies an elaborate feature selection technique. This study uses the light gradient boosting machine (LGBM) Classifier model with boosting type gradient boosting decision tree (GBDT) algorithm and n_estimator value 100 for feature selection process. This work uses advanced machine learning techniques namely stacking to improve accuracy model perform. The dataset consists of 307,506 applicants from European lenders who have applied for loans in Southeast Asia. Each applicant is described by 126 different features. Using GDBT algorithm GBDT, 30 best features were selected based on their maximum accuracy compared to another feature. By employing a stacking technique that combines the LGBM, gradient boosting (GB), and random forest (RF) models, and utilizing logistic regression (LR) as the final estimator, an accuracy of 0.99637 was reached. This study demonstrates an improved the accuracy compared to previous research. This discovery indicates that utilizing feature selection and stacking method can provide one of the most precise choices for modelling the binary class classification among the current models.
The Empowerment of Majelis Taklim In Developing Independence of Household Economy in the Community of Kampung Nelayan Sejahtera of Bengkulu City Asnaini, Asnaini; Arisandy, Yosy; Eenfryanti, Yunida
Madania: Jurnal Kajian Keislaman Vol 23, No 2 (2019): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v23i2.6294

Abstract

This paper is aimed at providing a communication forum for the community of Kampung Nelayan Sejahtera of Bengkulu City. The effective and conducive interactions occur among the citizens in overcoming household economic problems, making a mapping of the family economic potential, and providing assistance that supports the development of the family economy according to the potential mapping results. This research uses transformative research methodology. The research reveals that the Majelis Taklim  (Islamic Study Forum) of household in Kampung Nelayan Sejahtera, the Prosperous Fishermen Village,  has begun to be active again with new targets on family economic empowerment in the field of entrepreneurs. The results of the map of the economic potential of the community's family shows that 2.94% of Muslim households in the Kampung Nelayan Sejahtera live in a prosperous condition (quadrant I), 30.39% in materially poor conditions, (quadrant II), and 14.71% of the observed households were in quadrant III (poor spiritual) and 51.96% are in quadrant IV (absolute poor). This means that the mapping of poor households in such village is in absolute poverty (materially and spiritually poor). Therefore, the focus of empowerment is on revamping material and spiritual abilities through the Majelis Taklim. Tulisan ini bertujuan untuk memberdayakan forum komunikasi bagi masyarakat Kampung Nelayan Sejahtera Kota Bengkulu. Interaksi yang efektif dan kondusif terjadi di antara warga dalam mengatasi masalah ekonomi rumah tangga, membuat pemetaan potensi ekonomi keluarga, dan memberikan bantuan yang mendukung pengembangan ekonomi keluarga sesuai dengan hasil pemetaan potensi. Penelitian ini menggunakan metodologi penelitian transformatif. Penelitian ini mengungkapkan bahwa Majelis Taklim (Forum Pengkajian Islam) rumah tangga di Kampung Nelayan Sejahtera sudah mulai aktif kembali dengan target baru pemberdayaan ekonomi keluarga di bidang wirausaha. Hasil peta potensi ekonomi keluarga masyarakat menunjukkan bahwa 2,94% rumah tangga Muslim di Kampung Nelayan Sejahtera hidup dalam kondisi sejahtera (kuadran I), 30,39% dalam kondisi miskin material, (kuadran II), dan 14,71 % rumah tangga yang diamati berada di kuadran III (spiritual buruk) dan 51,96% berada di kuadran IV (sangat miskin). Ini berarti bahwa pemetaan rumah tangga miskin di desa seperti itu berada dalam kemiskinan absolut (miskin secara material dan spiritual). Karena itu, fokus pemberdayaan adalah pada pembenahan kemampuan material dan spiritual melalui Majelis Taklim.
MENILAI KINERJA KEUANGAN PT BANK SYARIAH INDONESIA TBK DENGAN MENGGUNAKAN METODE COMMON SIZE (PERIODE 2021-2023) Aulia, Donesta Nova; Arisandy, Yosy; Makmur
Jurnal Riset Terapan Akuntansi Vol. 9 No. 1 (2025): JURNAL RISET TERAPAN AKUNTANSI
Publisher : Jurnal Riset Terapan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15430128

Abstract

The purpose of this research is to evaluate PT Bank Syariah Indonesia Tbk's financial results from 2021 to 2023. PT Bank Syariah Indonesia Tbk's annual financial report for the years 2021–2023 served as both the population and the sample for this quantitative descriptive research. The common size approach is used to analyze the secondary data and determine the percentage of each item in comparison to the profit and loss report and balance sheet. According to the study's findings, the bank's financial performance is expected to remain steady in 2021. Liabilities fluctuated in 2022 despite a gain in numerous accounts, including cash and income. Even though a number of asset and liability accounts saw declines in 2023, the bank's earnings increased. Given the bank's capacity to sustain revenue growth over the course of the research, PT Bank Syariah Indonesia Tbk's financial performance may be deemed to be strong overall. This study can serve as a guide for strategic financial policy decisions in the Islamic banking industry and highlights the value of applying common size analysis when assessing financial structure. Keywords: Financial Performance, Common Size, Bank Syariah Indonesia (BSI)
Pengaruh Tanggung Jawab Sosial, Kerakteristik Usaha, Religiusitas Terhadap Peningkatan Omzet Usaha Z-Mart (Studi BAZNAS Provinsi Bengkulu) Herianto, Satria; Arisandy, Yosy; Sumarni, Yenti
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 9 No 01 (2025)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/lab.v9i01.2775

Abstract

This study aims to determine the effect of social responsibility. business characteristics, religiosity on increasing z-mart business turnover, Z-Mart Program is a productive zakat program held by BAZNAS to empower mustahik through the provision of business capital and entrepreneurship training. The purpose of this research is economic empowerment in the form of developing stalls / shops owned by mustahik with a micro to small scale to overcome poverty and turn mustahik into muzaki. This research uses quantitative methods of data collected through distributing questionnaires. Respondents in this study were 50 people who met the criteria, namely mustahik beneficiaries of the z-mart program. Hypotheses are formulated or tested using multiple regression analysis. The results of this research indicate that there is an influence of social responsibility, business characteristics, religiosity on increasing z-mart business turnover. Amounted to 0.656 which means 65.6% while the remaining 34.4% is influenced by other variables outside the model that have not been studied.
Pengaruh Investment Knowledge, Motivasi Investasi dan Manfaat Investasi Terhadap Manajemen Keuangan Pribadi Pegawai UINFAS Bengkulu Lestari, Sri; Arisandy, Yosy; Hanif, Padlim
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/4t036a17

Abstract

This study aims to analyze the influence of investment knowledge, motivation, and investment benefits on personal financial management of UINFAS Bengkulu employees. This study uses a quantitative approach with primary data collection techniques through questionnaires distributed to 80 respondents. Data were analyzed using multiple linear regression with the help of SPSS software. he results of the study indicate that partially, investment knowledge has a positive and significant effect on personal financial management, with a significance value of 0.009 (<0.05). Likewise, investment motivation also has a positive and significant effect partially with a significance level of 0.000. On the other hand, investment benefits do not show a significant effect partially, because they have a significance value of 0.127 (>0.05). However, simultaneously the three variables—investment knowledge, investment motivation, and investment benefits—have a positive and significant effect on personal financial management of UINFAS Bengkulu employees. This finding indicates that although investment benefits do not have an effect individually, these variables still make a positive contribution to the overall model. The results of this study provide implications that increasing investment knowledge and motivation is very important in supporting better personal financial management in higher education institutions.
Edukasi Dalam Meningkatkan Efesiensi Pembayaran Digital Dengan Metode Partisipatif Pada Kantin Universitas Islam Negeri Fatmawati Sukarno Bengkulu Nurlara, Heni; Arisantika, Vioza Dwi; Apriani, Erni; Afrianty, Nonie; Arisandy, Yosy
Amaliah: Jurnal Pengabdian Kepada Masyarakat Vol 9 No 1 (2025): Amaliah Jurnal: Pengabdian kepada Masyarakat
Publisher : LPPI UMN AL WASHLIYAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/ajpkm.v9i1.4703

Abstract

Edukasi ini mendampingi implementasi sistem pembayaran digital di kantin UINFAS Bengkulu melalui pendekatan partisipatif yang melibatkan pelaku usaha kantin, pengelola keuangan kampus, mahasiswa, dan staf untuk mengevaluasi kelayakan teknis serta strategi mitigasi risiko operasional. Hasil edukasi menunjukkan sistem pembayaran digital mampu meningkatkan efisiensi transaksi hingga 30% dan mengurangi kesalahan pencatatan keuangan akibat human error, namun implementasinya menghadapi hambatan berupa keterbatasan pemahaman teknologi pelaku usaha, ketergantungan konektivitas internet, dan potensi penyalahgunaan data pengguna. Untuk mengatasi tantangan tersebut, dilakukan pendampingan melalui pelatihan digital, simulasi transaksi, dan penyusunan protokol keamanan dasar, sehingga edukasi ini merekomendasikan peningkatan literasi digital pengelola kantin dan pembentukan sistem pengawasan berbasis komunitas guna mendorong keberlangsungan dan efektivitas sistem pembayaran digital di lingkungan kampus.
Co-Authors Aang Munawar Afrianty, Nonie Apriani, Erni Apriani, Laisah Apriza, Mutiara Arisantika, Vioza Dwi Asnaini Asnaini, Asnaini Aulia, Donesta Nova Badaruddin Nurhab, Badaruddin Debby Arisandi, Debby Dini, Dini Putri Pebriani Eenfryanti, Yunida Fadhilah, Ana Hanif, Padlim Herianto, Satria Indra, Yetti Afrida Isnaini, Desi Iwan Darmawan Makmur Mekaniwati, Ani Miko Polindi, Miko Nurlara, Heni Putra, Rales Eko Rahmat Putra Ahmad Hasibuan Riani, Deni Elva Salahudin, Shahrul Nizam Sri Lestari Sumarni, Yenti Susilawati, Nilda Syahrin, Khalfi Wahyuni, Eka Sri WULANDARI, SILVI Yani, Erma Putri Yose Rizal Yosza Dasril Yuli Handika Hasyim Yulita, Yesi Yuningsih, Ayu