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All Journal KONSELI: Jurnal Bimbingan dan Konseling (E-Journal) AL QUDS : Jurnal Studi Alquran dan Hadis Jurnal Ilmiah Universitas Batanghari Jambi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam Adzkiya : Jurnal Hukum dan Ekonomi Syariah Jurnal Ilmiah Edunomika (JIE) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Budimas : Jurnal Pengabdian Masyarakat ARSY : Jurnal Aplikasi Riset kepada Masyarakat El-kahfi : Journal of Islamic economics Indonesian Journal of Islamic Economics and Business Bima Journal : Business, Management and Accounting Journal Salam (Islamic Economics Journal) Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jeksyah EKOBIS SYARIAH JSE: Jurnal Sharia Economica El-Mujtama: Jurnal Pengabdian Masyarakat Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Isnaini, Desi
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI KEPERCAYAAN LEMBAGA KEUANGAN SYARI’AH BENGKULU TERHADAP ALUMNI JURUSAN EKONOMI ISLAM IAIN BENGKULU DALAM REKRUITMEN TENAGA KERJA Isnaini, Desi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 2 (2017)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (705.01 KB) | DOI: 10.29300/ba.v2i2.1053

Abstract

This paper is motivated by the problems of the development of sharia financial institutions are growing rapidly in the city of Bengkulu, impact on the needs of human resources are not small, but after the author observe very little of the Department of Islamic Economics or Muamalah Department who work in Islamic financial institutions. The type of research used is the type of qualitative research, aiming to describe the systematic and factual, by examining the phenomenon of emperis in detail. The results of this study found that there is the same recognition for graduates of the Department of Islamic Economics and other Departments, and there are no exceptions for Islamic Economics majors in taking the test in Islamic financial institutions both banks and non-banks, because all of these agencies accept applications from all Majors. There are two factors that influence the level of confidence of sharia financial institutions bengkulu to graduates majoring in Islamic Economics IAIN Bengkulu, that is: a). External Factors, that is: Curriculum, Index of achievement komulatif, Accreditation of study program. b). Internal Factors ,that is: Insights general knowledge, keIslaman, kesyari'ahan, Soul marketing and managerial, professional and confident, advanced and developing mindset, able to utilize Technology, Good Attitude and Performance, Integrity and high spirit. While the competence must be owned by a graduate of the Department of Islamic Economics is Cognitive Competence, ie science and skills, Personality and Attitude Competencies, Social and Communication Competencies, Professional Competencies.Keywords: Rekruitmen Tenaga Kerja
MEKANISME PEMBIAYAAN PADA PRODUKSI GULA KELAPA DI KECAMATAN ILIR TALO KABUPATEN SELUMA (Studi Terhadap Pelaksanaan dan Pengembangan Produsen Gula Kelapa) Isnaini, Desi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 1, No 2 (2016)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (433.622 KB) | DOI: 10.29300/ba.v1i2.869

Abstract

This paper represents a financing mechanism that uses mudaraba and qardh contracts. The writing of this paper is motivated from academic anxiety in looking at the financing mechanism in the existing economic system in Ilir Talo district Seluma district on the aspect of the system of financing the production of palm sugar. In his discussion discusses the meaning of Baitul Maal Wattamwil (BMT) as well as the stages of its establishment, mudaraba and qardh, mudharabah and qardh financing schemes, financing calculation system using mudharabah and qardh contracts and appropriate financing analsis to solve the problems of economic system in sub district Ilir Talo Seluma district. And concluded that the appropriate financing system for the state of the existing economic system in the district Ilir Talo Seluma district with the qardhul hasan contract. And provide recommendations to establish a sharia financial institution in the form of BMT as the savior of the community economy.Keyword: BMT, Mudharabah, Qardh, Ilir Talo District
Pemahaman Mahasiswa Tentang Saham Syariah Sebelum dan Sesudah Berdirinya Galeri Investasi Syariah BEI Isnaini, Desi; Muslih, Cipta Isratul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i1.3117

Abstract

The purpose of this study is (1) to find out how students understand of Islamic Economics majors about Islamic stock investments before the establishment of the IDX Islamic Investment Gallery IAIN Bengkulu at the Faculty of Islamic Economics and Business. (2) to find out how students understand of Islamic Economics in the Islamic about stock investment department after the establishment of the Indonesia Stock Exchange Islamic Investment Gallery IAIN Bengkulu at the Faculty of Islamic data in the form is observation, interviews, and documentation. The results of this study is : (1) before enstabilistment GIS many students knows Islamic stocks is still limited to theory because there is no place of practice and educational tools to better understand about Islamic stock investment. (2) after the formation of GIS, students' understanding of sharia shares has increased compared to before the enstabilistment of GIS. Students have used existing support facilities.
Peran Pembiayaan Perbankan Syariah terhadap Usaha Mikro Kecil dan Menengah di Masa Pandemi Covid-19 (Studi Kasus pada BSI Kota Bengkulu) Fransiska, Linda; Isnaini, Desi; Oktarinah, Amimah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.4361

Abstract

This study aims to determine the role of financing for the indonesian syariah bank in the city of Bengkulu in rescheduling, reconditioning, and restructuring of micro, small and medium business customers during the covid-19 pandemic, the research method used is qualitative methods. This type of research includes field research because it directly gets data from the field to find out the real situation. When the research took place at the beginning of September 2020-March 2021 and located at the Bank Syariah Indonesia branch office of S. Parman 2. This research is descriptive and uses two data, namely primary data and secondary data, where the primary data is obtained from Bank Syariah Indonesia Bengkulu city and secondary data obtained from notes, books, website publications, journals, articles, theses, and others. Data collection using three methods, namely observation so that it is directly aimed at the Bank Syariah Indonesia Bengkulu city, interviews to ask questions and answers, and documentation such as archives, reports, and so on. The results of the study are that in addition to still providing financing to customers during the covid-19 period, in rescheduling, the role of the bank is to provide an extension of the payment period, while in reconditioning. MSME customers affected by covid-19 can submit a restructuring application letter, but with the agreement of the two parties who are equally willing, and so is the restructuring, with is the conversion of a financing contract, where MSME customers are given any installment payment relief they can for 1 year.
Review of Maqasid Syariah on Reto Tuo as A Waqf Member In Bengkulu, Indonesia Isnaini, Desi
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 12 No. 1 (2023): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v12i1.1914

Abstract

This study aims to analyze the implementation of reto tuo as an expert waqf in Bengkulu Province in the maqasid sharia review. This research is a qualitative research that is descriptive analytic because this research describes the application of expert waqf in Bengkulu Province. The data used in this study were obtained directly from interviews conducted with families who carry out ahl waqf, heirs who are managed by expert waqf, as well as community leaders in Bengkulu Province. In this study, the researcher used the maqāṣid asy-syarīah theory of Imam asy-Syȃtibî to see how Islamic law views the practice of Reto tuo as an expert waqf within the framework of maqāṣid asy-syarīah Imam asy-Sytibî, especially on the concept of the objectives of the Shari'a on guarding and protecting against five main elements, namely religion, soul, mind, descent and property. The results showed that the practice of Reto Tuo can be categorized as expert waqf, this is in accordance with the definition of waqf experts that the assets or benefits that are waqf (waqif) to the recipients of waqf (mauquf 'alaih) are waqif descent which is intended for virtue. In this context, it can be seen that the practice of Reto tuo has attempted to maintain the continuity of the assets owned by the family which are managed by their parents, with the hope that the maintenance of these assets can be used by the family when their parents have died. The care of family assets is the key to ensuring the continuity of family life as well as protection of the human soul in the family individually.
Syariah Bank Services and Career Opportunities for Non-Muslims in the Perspective of the Quran and the Frame of Religious Moderation Arifin, Rahman; Adisel, Adisel; Asnaini, Asnaini; Isnaini, Desi; Junaidi, Anwar
AL QUDS : Jurnal Studi Alquran dan Hadis Vol. 8 No. 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alquds.v8i2.9482

Abstract

This qualitative research aims to examine the implementation of Bank Mega Syariah KC Jambi services in facilitating non-Muslims in transacting at Bank Mega Syariah KC Jambi and studying the ease of non-Muslims in a career at the bank. The research will also look at the obstacles faced by non-Muslims when making transactions and careers at Bank Mega Syariah KC Jambi and how Islamic law regulates employment agreements for non-Muslims in the Islamic banking sector.The research method used is a qualitative approach with data collection techniques through in-depth interviews with related parties such as non-Muslim customers, employees, and management of Bank Mega Syariah KC Jambi. In addition, documents related to Islamic law and Islamic banking regulations will also be analysed in this research.The results of this research are expected to provide a better understanding of the implementation of  Bank Mega Syariah KC Jambi services in facilitating non-Muslims to transact at the bank. In addition, this research is also expected to provide information about the ease of non-Muslims in a career at Bank Mega Syariah KC Jambi and the obstacles faced when transacting and working at the bank.The results of this study are expected to provide recommendations to Bank Mega Syariah KC Jambi in improving services to non-Muslim customers and creating an inclusive work environment for all employees, including non-Muslims. In addition, this research can also provide a better understanding of how Islamic law regulates employment agreements for non-Muslims in the Islamic banking sector and whether there are certain restrictions or prohibitions related to non-Muslim customer financing service contracts in Islamic banking.
TINJAUAN EKONOMI ISLAM TERHADAP KELAYAKAN BISNIS PERKREDITAN PADA UD. MENTARI QREDIT KOTA BENGKULU Maharani; Isnaini, Desi; Nurhab, Badaruddin
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 6 No. 2 (2023): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v6i2.4338

Abstract

Penelitian ini bertujuan untuk mengetahui kelayakan bisnis perkreditan pada UD. Mentari Qredit Kota Bengkulu ditinjau dari Ekonomi Islam. Jenis penelitian ini, yaitu field research yang bersifat deskriptif-analitik, menggunakan pendekatan kualitatif, dan teknik penentuan sampel dilakukan secara sengaja (purposive). Adapun aspek-aspek kelayakan bisnis yang dianalisis, seperti aspek hukum, aspek teknis/operasi, aspek pasar dan pemasaran, aspek keuangan, serta aspek ekonomi, sosial, dan lingkungan. Hasil penelitian menunjukkan bahwa jika dilihat dari tinjauan ekonomi Islam, maka UD. Mentari Qredit Kota Bengkulu telah sesuai dengan prinsip ekonomi Islam, karena sudah menerapkan kejujuran dalam setiap kegiatan usaha, spesifikasi barang dagang jelas, transparansi perjanjian, kesepakatan berlaku atas suka sama suka (tidak ada paksaan), menetapkan harga dengan transparan dan jelas, menghindari riba, serta berpegang teguh pada prinsip ta’awun (tolong-menolong) dalam kegiatan jual beli.
PEMAHAMAN MASYARAKAT DESA SARANG BULAN KECAMATAN PENDOPO KABUPATEN EMPAT LAWANG PROVINSI SUMATERA SELATAN TERHADAP ZAKAT PERTANIAN PADI Handana, Rudi; Isnaini, Desi; Sumarni, Yenti
EKOBIS SYARIAH Vol 8, No 2 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i2.26390

Abstract

Zakat adalah salah satu rukum Islam, zakat merupakan mengeluarkan Sebagian tertentu dari harta tertentu sampai nisab kepada orang yang berhak menerimanya dan merupakan kewajiban umat islam yang telah ditetapkan oleh Al-Quran, sunnah nabi dan ijma’ para ulama. Kabupaten Empat Lawang Desa Sarang Bulan memiliki persawahan yang cukup luas maka Sebagian Masyarakat penghasilannya dari hasil pertanian, akan tetapi petani belum memahami tentang zakat pertanian maka mereka masih sangat kurang dalam mengamalkan zakat pertanian. Penelitian ini bertujuan untuk mengetahui bagaimana Pemahaman Masyarakat Desa Sarang Bulan Kecamatan Pendopo Kabupaten Empat Lawang Provinsi Sumatera Selatan Terhadap Zakat Pertanian Padi. Penelitian ini mengunakan Metode kualitatif,data dalam penelitian ini diperoleh dari data primer dan data sekunder. Dalam mengumpulkan data mengunakan metode observasi, wawancara, dan dokumentasi. Hasil Penelitian ini menunjukan bahwa dalam melaksanakan kewajiban zakat, Masyarakat belum begitu memahami bahkan terkadang mereka menyamakan antara shadaka dengan zakat. Masyarakat Desa Sarang Bulan Kecamatan Pendopo Kabupaten Empat Lawang Provinsi Sumatera Selatan termasuk Masyarakat yang belum sadar akan kewajiban zakat, dilihat dari kebiasaan mereka yang ketika panen hanya memberikan kepada Masyarakat yang membutuhkan ataupun kemasjid dalam bentuk infaq atau sadakah yang disebut zakat.
POTENSI DAN KENDALA PENGEMBANGAN WISATA SYARIAH PADA OBJEK WISATA PULAU KUMAYAN Utami, Dwi Subekti Puji; Isnaini, Desi; Hanif, Padlim
JURNAL ILMIAH EDUNOMIKA Vol 8, No 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15525

Abstract

This research aims to find out the potential for sharia tourism development on the Kumayan Island tourist attraction and what are the obstacles to development on the Kumayan Island tourist attraction. This research uses qualitative methods based on the philosophy of postpositivism. With data collection techniques in the form of observation, interviews and documentation. The primary data in this research are managers and visitors at the Kumayan Island tourist attraction. The research results state that Kumayan Island has great potential to be developed as a sharia tourism destination, considering its unspoiled natural beauty and local wisdom of the local community. The development of the Kumayan Island tourist attraction faces several main obstacles, such as limited infrastructure, inadequate accessibility, and limited human resources trained in the tourism industry.
ANALISIS PEMBERIAN UJRAH BAGI PEMILIK LAHAN UNTUK KESEJAHTERAAN BURUH HARIAN LEPAS DESA LUBUK TABUN KEC.TANJUNG SAKTI PUMI KAB. LAHAT Lupita; Isnaini, Desi; Alimuddin, Agus; Cahyono, Andi
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 12 No 2 (2024): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v12i2.9864

Abstract

This research aims to find out how giving Ujrah to land owners improves the welfare of casual daily workers in Lubuk Tabun Village, Tanjung Sakti Pumi District. Lahat. This type of research uses qualitative descriptive research with data collection techniques in the form of observation, interviews and documentation. The primary data in this research are land owners and casual daily workers. The research results state that land owner literacy regarding the ujrah granting system is still very low due to: firstly, lack of understanding, land owners do not yet understand what ujrah is and how it works financially. Second, there is a lack of financial education, there is no adequate education regarding finances and debt management. Third, limited access to accurate and easy to understand information regarding ujrah by land owners, fourth, limited resources, land owners do not have the resources to obtain consultation or training. The welfare level of casual daily workers in Lubuk Tabun Village is relatively low, which is shown by the fact that many of them are still in a cycle of debt that is difficult to break. This happens because the income earned from working as a casual daily laborer is not sufficient to meet daily living needs
Co-Authors Abda Abda Adisel, Adisel Agasi, Alfiyyah Agus Alimuddin Alfiah, Esti Apriza, Mutiara Arifin, Rahman Arisandy, Yosy Asnaini Asnaini, Asnaini Atika Sari Badaruddin Nurhab, Badaruddin Evan Setiawan Febrima, Syafrullah Fransiska, Linda Fransiska, Linda Hadawiyah, Husnatul Handana, Rudi Hanif, Padlim Hardi, Namang Juki Junaidi, Anwar Liza, Citra Lupita Maharani Mardiansyah, Hamzah Maryam, Riskianti Astuti Mawardi Lubis Miko Polindi Muslih, Cipta Isratul Novianty, Lita Patricia Nurhab, Badarrudin Nurhab, Muhammad Irpan Oktarina, Amimah Oktarinah, Amimah Oktaviani oktaviani Permatasari, Maharani Pramadeka, Katra Putri, Sindi Purnama Rahmatin , Rahmatin Riang, Ade Ruliniati, Ruliniati Sejati, Sugeng Sumarni, Yenti Ulfa, Fadillah Uswatun Hasanah Utami, Dwi Subekti Puji Wardi, Alka Inka Kusuma WULANDARI, SILVI Yulita, Yesi Yusmita, Yusmita Zahra, Naurah Zaki, Khozin