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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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Management level of using digital services Bank Syariah Indonesia (BSI) KCP ipuh Yulita, Yesi; Apriza, Mutiara; Wulandari, Silvi; Isnaini, Desi; Arisandy, Yosy
BIMA Journal (Business, Management, & Accounting Journal) Vol. 2 No. 2 (2021)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.2.2.200-211

Abstract

PT Bank Syariah Indonesia (BSI)  Ipuh Branch Office having its address at Pulai Payung Village, Ipuh sub-district, Muko-muko district, Bengkulu province. In carrying out its activities, the Bank Syariah Indonesia (BSI)  Ipuh branch continues to innovate products and develop excellent service to customers to improve the company's professionalism. The purpose of this study is to find out the projected level of use of the idigital bank Syariah Indonesia (BSI)  iKcp iIPuh  service. The research method used is a qualitative field research with a descriptive research approach. Methods of collecting data by means of observation, interviews and documentation. Informants in this study were employees of Bank Syariah Indonesia (BSI)  Kcp Ipuh and Bank Syariah Indonesia (BSI) customers of Bank Syariah Indonesia (BSI)  Kcp Ipuh. The results of  this study can be concluded that the level of use of digital services at Bank Syariah Indonesia (BSI)  Kcp Ipuh has increased. This is because Bank Syariah Indonesia (BSI) services during the COVID-19 pandemic are demanded to be faster, easier, and more flexible. The rapid growth of the Internet is changing the way companies connect with their consumer icons, the Bank Syariah Indonesia (BSI) business is no exception. Using the idigital Bank Syariah Indonesia (BSI)  iKcp IPuh i has many advantages. i the ease of research results from the IBank Syariah Indonesia (BSI)  iKcp iIpuh i consumeni to give an opinion or respond that i: i(1) lack of understanding among the public about how to use the idigital banking application, i(2) i Ease of transacting using digital Bank Syariah Indonesia (BSI) without having to go to a bank, (3) ease of customers in using the application and fast in solving problelems in using  idigital iBank Syariah Indonesia (BSI). in determining the digital Bank Syariah Indonesia (BSI), namely: Can perform transactions, administrative procedures and implementation of itransfer to all customers so that they can know that the customer has no doubts in conducting IBank Syariah Indonesia (BSI)  transactions through idigital.
Synergy In The Utilization Of Productive Zakat: A Case Study Of Baznas And The Provincial Government Of Bengkulu Apriani, Laisah; Arisandy, Yosy; Nurhab, Badaruddin
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 1 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.1.383-392

Abstract

Purpose: This study investigates the synergy between BAZNAS and the Provincial Government of Bengkulu in utilizing productive zakat through the Business Cart Assistance Program to empower mustahik economically. Methodology: A descriptive qualitative approach was employed, using interviews, observations, and document analysis. Data were validated through triangulation and trustworthiness criteria such as credibility, transferability, and confirmability. Results: From 2021–2024, 60 business carts were distributed, leading to increased income for many beneficiaries. Institutional synergy enabled efficient targeting, planning, and fund utilization. Findings: Despite positive outcomes, challenges included low entrepreneurial motivation, misuse of carts, and weak monitoring. Some recipients abandoned or misused the assistance. Novelty: The study uniquely explores productive zakat implementation through local government collaboration—a rarely documented model. Originality: This is among the first studies evaluating a zakat-based empowerment model integrating formal government roles at the provincial level. Conclusions: The program enhances economic independence among mustahik but requires stronger regulations, entrepreneurship training, and consistent monitoring to ensure sustainability. Type of Paper: Empirical research paper using a qualitative case study method.
The Development Of Self-Employed Novice Entrepreneurs In Lampung Province, Indonesia Arisandy, Yosy; Mekaniwati, Ani; Munawar, Aang; Darmawan, Iwan; Rizal, Yose
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 2 (2025): JIMKES Edisi Maret 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i2.3510

Abstract

The empowerment of novice entrepreneurs is vital for fostering inclusive economic development and addressing structural unemployment in Indonesia. This study evaluates the effectiveness of the Independent Novice Entrepreneur Program (Tenaga Kerja Mandiri Pemula/TKMP) implemented by the Ministry of Manpower in Lampung Province. Using a mixed-methods approach, the research integrates quantitative data from surveys and progress reports with qualitative insights from interviews with mentors and participants. The program’s performance is assessed based on five Key Performance Indicators (KPIs): (1) production of goods/services, (2) implementation of marketing strategies, (3) maintenance of financial cash flow records, (4) acquisition of Business Identification Numbers (NIB), and (5) development of structured business plans. Findings reveal that the program exceeded the 60% achievement target across all KPIs, with the highest performance in product development (94.19%) and marketing strategy (91.60%). However, challenges remain in financial literacy, NIB registration, and long-term business sustainability. This study highlights the importance of continuous mentoring, digital literacy, and academic collaboration to strengthen entrepreneurial ecosystems at the local level. The results offer evidence-based recommendations for improving policy design and implementation of entrepreneurship support programs in developing regions.   Keywords:  novice entrepreneurs, entrepreneurship development, government program, business mentoring, financial literacy, digital marketing, Lampung Province, mixed-methods, policy evaluation, small business empowermen
Pengaruh Inovasi Teknologi, Literasi Keuangan, Dan Lingkungan Sosial Terhadap Minat Berinvestasi Di Pasar Modal Secara Komparatif Dini, Dini Putri Pebriani; Arisandy, Yosy; Polindi, Miko
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.4034

Abstract

This study aims to compare the influence of technological innovation, financial literacy, and social environment on students’ interest in investing in the sharia capital market at three universities: UIN Fatmawati Sukarno Bengkulu, Universitas Muhammadiyah Bengkulu, and Universitas Bengkulu. The background of this research is the rising trend of interest among Generation Z, particularly university students, in technology-based investments, financial awareness, and the influence of their social environment. This research used a quantitative approach with a survey method by distributing questionnaires to 112 respondents. The data were analyzed using multiple linear regression with the help of SPSS version 25. The findings indicate that, individually, technological innovation, financial literacy, and social environment positively and significantly affect interest in investing in the Islamic capital market. Collectively, these three variables also have a significant impact. These findings highlight the importance of enhancing financial literacy, optimizing the use of technology, and strengthening the role of the social environment in fostering investment interest among students, as well as creating a supportive social climate to encourage student participation in investment activities.
FUNDING CELENGAN PADA BPRS SAFIR BENGKULU Yani, Erma Putri; Arisandy, Yosy
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 1 (2018): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | 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.
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): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | 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
Managing customer service through artificial intelligence-driven chatbot systems in Islamic Banking institutions Wahyuni, Eka Sri; Yuningsih, Ayu; Arisandy, Yosy
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p96-104

Abstract

This study examines the implementation of chatbots in Bank Syariah Indonesia (BSI) to enhance customer service in the Islamic banking sector. This study used a literature review in collecting and analyzing the secondary data in the form of papers downloaded from Google Scholar, Scispace, DOAJ, and Scopus websites. There were 26 papers gathered as samples of this study from 2015-2024. The data were analyzed through systematic data reduction, presentation, and conclusion-drawing. The findings show that deploying chatbots can significantly improve service delivery by reducing operational workloads through quick replies to repetitive customer inquiries. Chatbots serve as an innovative solution that handles routine questions swiftly, thereby increasing efficiency and allowing staff to focus on more complex tasks. Their continuous, round-the-clock availability further enhances customer engagement and experience by providing immediate assistance at any time, eliminating extended waiting times for information. Additionally, the chatbot’s ability to interpret customer interactions provides valuable insights into customer behavior and preferences. Such insights enable BSI to better understand about customer needs and identify usage patterns of Sharia-compliant banking products. However, the implementation of chatbots in Islamic banking also requires careful consideration of Islamic ethics. The development of AI must integrate maqasid al-shariah values such as justice, transparency, and data protection to ensure alignment between technological efficiency and Shariah principles.
The Influence of Convenience, Benefits, and Security on Consumer Preferences in Adopting QRIS Non-Cash Payments Syahrin, Khalfi; Arisandy, Yosy; Handika, Yuli
Airlangga Journal of Innovation Management Vol. 6 No. 3 (2025): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v6i3.77544

Abstract

This study aims to determine the influence of convenience, Benefits, and security on consumer preferences in using QRIS as a non-cash payment system. This study uses a quantitative approach with a purposive sampling technique, namely a sampling method based on certain considerations or criteria relevant to the research objectives so that the selected respondents truly match the required characteristics. The number of respondents in this study was 100 people who had met these criteria. Data collection was carried out through an online questionnaire, while data analysis included validity, reliability, normality, multicollinearity tests, T-tests, F-tests, and coefficients of determination processed using SPSS version 2025. The results of the study indicate that ease, Benefits, and security each have a positive and significant effect on consumer preferences in using QRIS. The easier QRIS is to operate, the more consumers are interested in adopting it. Likewise, the greater the perceived benefits, the stronger the tendency for consumers to prefer QRIS as a payment method. In addition, a secure system fosters greater consumer trust, thereby increasing the likelihood of usage. Collectively, these three factors ease, Benefits, and security interact to enhance consumer interest and decision-making in adopting QRIS. The practical implication of these findings is that service providers and policymakers should prioritize the continuous improvement of system usability, perceived benefits, and security features to strengthen consumer trust and encourage wider adoption of QRIS in daily transactions
PENGARUH FINANCIAL LITERACY, DEMOGRAPHIC, DAN SOSIO ECONOMIC TERHADAP KEPUTUSAN INVESTASI DI PASAR MODAL SYARIAH DI KOTA BENGKULU Putra, Rales Eko; Arisandy, Yosy; Arisandi, Debby
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2815

Abstract

This study aims to analyze the influence of financial literacy, demographic factors, and socio-economic conditions on investment decisions in the Sharia capital market in Bengkulu City. A quantitative approach was employed using multiple linear regression analysis with SPSS version 27. The sample consisted of 99 respondents who are Sharia capital market investors, selected through probability sampling using Slovin’s formula. The results show that financial literacy has a positive and significant effect on investment decisions with a significance value of 0.001 < 0.05. Demographic factors have no significant effect with a significance value of 0.768 > 0.05, while socio-economic factors significantly influence investment decisions with a significance value of 0.017 < 0.05. Simultaneously, the three variables significantly affect investment decisions with an F-value of 36.691 and a significance of 0.000 < 0.05. The R-Square value of 0.733 indicates that 73.3% of the variation in investment decisions is explained by these variables, while the remaining 26.7% is influenced by other factors such as psychological aspects, social media, and macroeconomic conditions
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.
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