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All Journal Jurnal Ilmiah Edunomika (JIE) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences ARSY : Jurnal Aplikasi Riset kepada Masyarakat Mabny : Journal of Sharia Management and Business Bima Journal : Business, Management and Accounting Journal MASTER: Jurnal Manajemen Strategik Kewirausahaan ProBisnis : Jurnal Manajemen Labatila: Jurnal Ilmu Ekonomi Islam EKOBIS SYARIAH Mestaka: Jurnal Pengabdian Kepada Masyarakat Madani: Multidisciplinary Scientific Journal Sharia Economic and Management Business Journal (SEMBJ) BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Al Fitrah: Journal Of Early Childhood Islamic Education
Sumarni, Yenti
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Analisis Strategi Diferensiasi Produk Umroh Dalam Menghadapi Persaingan Bisnis (Studi Pada PT. Wafdullah Tamu Mulia Cabang Bengkulu) Nurjana, Tia Anisa; Setiawan, Romi Adetio; Sumarni, Yenti
ProBisnis : Jurnal Manajemen Vol. 16 No. 3 (2025): June: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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

Abstract

Permasalahan yang dihadapi PT. Wafdullah Tamu Mulia Cabang Bengkulu adalah mengenai semakin meningkatnya persaingan diantara penyedia layanan umrah. Penelitian ini bertujuan untuk menganalisis strategi diferensiasi produk umroh yang diterapkan oleh PT. Wafdullah Tamu Mulia Cabang Bengkulu dalam menghadapi persaingan bisnis di industri travel umroh. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan teknik pengumpulan data berupa wawancara, observasi, dan dokumentasi. Analisis data dilakukan menggunakan pendekatan SWOT (Strengths, Weaknesses, Opportunities, Threats). Hasil penelitian menunjukkan bahwa perusahaan menerapkan strategi diferensiasi melalui variasi produk umroh, peningkatan kualitas layanan, penggunaan media digital, serta penguatan sumber daya manusia. Strategi ini terbukti efektif dengan meningkatnya jumlah jamaah setiap tahun sejak cabang dibuka. Hasil analisis SWOT menunjukkan bahwa perusahaan berada pada kuadran I, yang mengindikasikan posisi strategis untuk memanfaatkan kekuatan dan peluang secara optimal melalui strategi agresif (SO). Temuan ini menunjukkan pentingnya inovasi dan komunikasi yang berkelanjutan dalam mempertahankan keunggulan kompetitif di sektor perjalanan ibadah.
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.
Social Communication To Improve Psds Adoption at Syariah Pawnshops Using Atlas.Ti Oktaviani, Indah; Idwal B, Idwal B; Sumarni, Yenti
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.6.1.403-414

Abstract

Purpose:This study aims to analyze the role of social communication in increasing the adoption of the Pegadaian Syariah Digital Service (PSDS) application to support the effectiveness of services at the Pegadaian Syariah Bengkulu Branch. The low use of the PSDS application by customers is the reason for the importance of this study, it is hoped that the results can provide recommendations for more effective communication strategies. Methodology:This study uses a qualitative descriptive approach. Data were collected through observation, in-depth interviews with 10 informants (employees and customers), and documentation. Data analysis was carried out with the help of Atlas.ti software for thematic coding and interpretation. Results: The findings show that direct interaction between employees and customers is the most effective communication channel compared to social media. The PSDS application has been proven to increase service efficiency, but still faces obstacles such as system errors and limited understanding of technology by customers. Findings:Social communication strategies can increase awareness, understanding, and adoption of applications. Recommendations from the social environment also play an important role. Novelty:This study combines social communication analysis and the use of Atlas.ti software to reveal the effectiveness of sharia-based digital services. Originality:This study provides a new perspective on the importance of a social communication approach in driving the adoption of digital financial services at the local level. Conclusion: Empirical research paper. Type of Paper:Research articles.
Impact of Low Papaya Prices on the Socio-Economic Conditions of Farmers: an Atlas.ti Analysis Sari, Dia Permata; Idwal B, Idwal B; Sumarni, Yenti
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.6.1.415-426

Abstract

Purpose: This study aims to comprehensively analyze the socio-economic implications of declining papaya prices on the livelihoods of farmers in Manggilan Village, Pendopo District. Method: A descriptive qualitative approach was employed through field research involving direct observation, semi-structured interviews, and document analysis. Data were systematically analyzed using Atlas.ti, a qualitative data analysis software, to extract key themes and generate coding patterns. Results: The findings indicate that low papaya prices significantly undermine farmers’ income, weaken household resilience, and adversely affect their social welfare. Several consequences were identified, including diminished financial capacity, disrupted consumption and savings patterns, reduced access to healthcare and education, and psychosocial stress. Findings: Farmers have adopted various coping strategies, such as diversifying crops, informal borrowing, and reducing household expenditures, yet these remain insufficient to offset long-term economic vulnerability. Novelty: This research uniquely integrates Atlas.ti in the socio-economic study of smallholder horticultural farmers, providing a rigorous and structured analytical framework that enhances the validity of qualitative agricultural research. Conclusion: The ongoing price decline poses a critical threat to sustainable rural development. Urgent policy interventions—such as price stabilization mechanisms, post-harvest management improvements, and cooperative marketing models—are necessary to safeguard farmer welfare. Type of Paper: Research Paper
Mengkaji Relevansi Etika Pemasaran Bank Syariah Di Era Marketing Digital Rani Putri Praduita Asmara, Andry; Adetio, Romi; Sumarni, Yenti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): 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.v10i2.8512

Abstract

This research examines the relevance of Islamic banks' marketing ethics in the era of digital marketing, which is characterized by global connectivity, rapid information access, interactivity, and personalization. The development of digital technology has brought fundamental changes in the way banks interact with customers, with the adoption of social media, e-commerce, big data, and artificial intelligence for more interactive and personalized marketing. While offering efficiency and wide market reach, the digital era also presents ethical challenges, including issues of data privacy, information transparency, and potential manipulation of consumer behavior. This study analyzes how sharia marketing ethics, with its basic principles such as honesty (shiddiq), trustworthiness (amanah), justice (adl), and sharia compliance (ittiba' al-shariah), remains highly relevant and even crucial to maintain trust amidst the torrent of digital information that is often manipulative. The theoretical study includes the relevance of ethics in general, conventional marketing ethics, sharia marketing ethics in depth, as well as the concept of marketing digitalization and its weaknesses and advantages. The results show that sharia marketing in the digital era has high relevance because it is able to answer the challenges of the times without sacrificing the principles of sharia. Islamic ethical values become a strong foundation in dealing with potential ethical deviations in the digital space, such as misleading advertisements, data exploitation, and promos.
Manajemen Ekonomi Islam dalam Menangani Pandemi Coronavirus Disease (COVID-19) di Indonesia Sumarni, Yenti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 1 (2020): 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.v5i1.2516

Abstract

This COVID-19 case can affect macroeconomic aspects in general. In this journal, aspects of previously published by McKibbin and Wilcoxen will be developed of Warwick McKibbin and Roshen Fernando. In this Journal will analyze sharia management on transactions using money by the Central Bank, nominal wages and financial policy. The journal uses qualitative research methods with natural research methods because the research is conducted in natural conditions. The findings of this study are First, transactions using the central bank. The concept of Islamic economics, transactions using official money issued by the government. money is used in transactions for activities that work and works as a precaution in an emergency conversation. Second, the nominal payment has been realized properly in accordance with the Islamic economy, it can be seen from the policies set by the government and related ministries. The third concerning economic policy has objectives related to Islamic economics. For further research, it is expected to conduct research on asset accounts and fund flows and the merging of two different models between households and companies so that aspects of McKibbin and Wilcoxen can be full analyzed.
PENGARUH KUALITAS PELAYANAN ADMINISTRASI AKADEMIK DAN KEMAHASISWAAN TERHADAP KEPUASAN MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM IAIN BENGKULU Sumarni, Yenti
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.v3i1.1474

Abstract

This study aimed to analyze the quality of academic administration and students services in IAIN Bengkulu. The sampling technique was done by using purposive sampling, where in this case, the selected respondents are students who use the services of Academic Administration and Student Affairs who are active students from the beginning until the end of the semester with a sample size obtained that consists of 100 respondents. The data analysis was performed by using multiple linear regression analysis results from several related quality of academic administrative services obtained that the better the quality of Academic and Student Administration services, the higher satisfaction of students of the Faculty of Islamic Economy will be.
Memahami Peran Platfrom Jejaring Sosial Media dalam Mengatasi Tantangan Perbankan Syariah Widya Anggraini, Kirana; Hak, Nurul; Sumarni, Yenti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 1 (2025): 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.v10i2.8418

Abstract

Islamic banking in Indonesia continues to experience significant growth, but still faces various challenges, especially in competition with fintech and conventional banks, compliance with sharia principles in digital innovation, and low customer digital literacy. Social networking platforms have great potential to help overcome these challenges by increasing financial inclusion, building trust, and expanding the marketing reach of Islamic banks.
Program Pendampingan Akses Pembiayaan Pada UMKM (Studi Pada Pengelolaan Limbah Jangkos Sawit) Pratama, Raju Putra; Idwal, Idwal; Sumarni, Yenti
ARSY : Jurnal Aplikasi Riset kepada Masyarakat Vol. 6 No. 3 (2025): ARSY : Jurnal Aplikasi Riset kepada Masyarakat
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/arsy.v6i3.1570

Abstract

Tujuan dari pendampingan adalah untuk mengedukasi masyarakat khususnya para petani guna meningkatkan pemahaman tentang akses pembiayaan syariah untuk mengembangkan UMKM masyarakat pada pengelolaan limbah jangkos sawit di Desa Talang Rio Kecamatan Air Rami Kabupaten Mukomuko. Sebelum pendampingan dilaksanakan, banyak sekali warga Desa Talang Rio yang masih belum mengetahui mengenai akses pembiayaan berbasis syariah dan kurangnya edukasi mengenai akses pembiayaan. Dimana seharusnya akses pembiayaan ini bisa dimanfaatkan oleh Masyarakat untuk memulai, menjalankan dan mengembangkan UMKM dengan memanfaatkan hasil pengelolaan limbah jangkos sawit. Kemudian pada akhir pendampingan, dari kegiatan berupa Pendampingan akses pembiayaan, seminar pembahasan teori tentang produk pembiayaan, jenis akad pembiayaan, proses pengajuan, memahami prinsip syariah, serta keuntungan menggunakan pembiayaan syariah.
MANAJEMEN PENGELOLAAN LABSCHOOL PROGRAM STUDI PIAUD FAKULTAS TARBIYAH DAN TADRIS IAIN BENGKULU Sumarni, Yenti
Al Fitrah: Journal Of Early Childhood Islamic Education Vol 1, No 1 (2018): Early Childhood Islamic Education
Publisher : UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ja.v1i2.1332

Abstract

Penelitian ini berawal dari ketertarikan penulis terhadap keistimewaan labschool PIAUD IAIN Bengkulu. Keistimewaan tersebut antara lain guru yang membimbing masih belum memenuhi standar kualifikasi akademik seperti lulusan Diploma IV atau S1, serta orang tua dan masyarakat sekitar yang selalu mendukung keberadaan labschool PIAUD IAIN Bengkulu. Penelitian ini bertujuan untuk menganalisis Manajemen Pengelolaan Pendidikan Anak Usia Dini yang meliputi Planning, Organizing, Actuating, Controling. Penelitian ini merupakan penelitian kualitatif dengan mengambil latar di labschool PIAUD IAIN Bengkulu. Teknik pengumpulan data yang dilakukan dengan cara observasi, wawancara dan dokumentasi. Hasil penelitian menunjukan: (1) pola pengelolaan pendidikan anak usia dini labschool PIAUD IAIN Bengkulu menggunakan metode POAC (Planning, Organizing, Actuating, Controling). (2) faktor pendukung dalam pengelolaan pendidikan anak usia dini adalah: adanya semangat belajar siswa, adanya kerjasama antara sesama pendidik, terdapat peran dari masyarakat, adanya sikap sering terbuka antara pendidik dengan orang tua siswa, adanya kerjasama antara guru dengan orang tua siswa, terdapat kerjasama dari pemerintah/kampus. (3) Hasil manajemen pengelolaan labschool PIAUD IAIN Bengkulu adalah: peningkatan jumlah siswa yang cukup meningkat pada setiap bulannya.Kata Kunci : Manajemen Pengelolaan, PIAUD
Co-Authors Adetio, Romi Alisah, Juliah Andang Sunarto Arisandy, Yosy E, Eyicha Handana, Rudi Herianto, Satria Homa Hoodfar Idwal B, Idwal B Idwal, Idwal Ilhami, Marda Rido Indriani, Reni Intan Nirmala Dewi Isnaini, Desi Julika, Vanda ibra Nurhidayati, Dini Nurjana, Tia Anisa Nurul Hak Oktaviani, Indah Pefriyadi, Pefriyadi Pramita, Yuni Pratama, Raju Putra Rani Putri Praduita Asmara, Andry Salsabilla, Lulitia Putri Sari, Dia Permata Setiawan, Romi Adetio Widya Anggraini, Kirana Yulinda, Ade Tiara YUSTATI, HERLINA