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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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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
EVA as a Financial Performance Indicator: A Case Study of Two Islamic Rural Banks in Bengkulu Zahra, Naurah; Isnaini, Desi; Liza, Citra
Jeksyah: Islamic Economics Journal Vol. 5 No. 01 (2025): May 2025 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v5i01.2654

Abstract

This study analyzes the financial performance of BPRS Fadhilah and BPRS Maslahat Dana Syariah Nusantara in Bengkulu City using the Economic Value Added (EVA) method. EVA is selected as a performance indicator because it measures the economic value generated by a company after deducting the cost of capital, providing a clearer picture of value creation for investors and shareholders. This study employs a descriptive quantitative approach, using secondary data obtained from the official financial reports of each bank for the 2023 period. In Indonesia, Islamic banks are classified into three categories: Islamic commercial banks, Islamic business units, and Sharia Rural Credit Banks (BPRS). BPRS primarily focus on providing financing to micro and small enterprises, rather than offering standard payment services. The results show that BPRS Fadhilah recorded a negative EVA, indicating a failure to generate economic value for its investors. Conversely, BPRS Maslahat Dana Syariah Nusantara reported a positive EVA, demonstrating its ability to deliver added value and manage capital effectively. These findings highlight the importance of sound capital management and profitability in enhancing the financial performance of Islamic rural banks.
Khairi Waqf as an Instrument of Islamic Social Finance: Empowering Education and Healthcare in Rural Indonesia Sari, Atika; Isnaini, Desi; Pramadeka, Katra
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.415

Abstract

This study investigates the empowerment of khairi waqf in advancing educational and healthcare services within a rural Indonesian context, specifically in Sido Sari Village, Sukaraja District, Seluma Regency. Using a qualitative descriptive approach, data were collected through in-depth interviews, field observations, and document analysis involving nazirs, village officials, educators, healthcare workers, and beneficiaries. Findings reveal that khairi waqf played a pivotal role in establishing early childhood education (PAUD), madrasah, and community health services (posyandu), significantly improving access and equity for marginalized populations. The waqf initiatives were deeply embedded in local participation, reflecting the values of sadaqah jariyah, ta‘awun (mutual cooperation), and hifz al-nafs and hifz al-‘aql as core principles of maqashid shariah. However, the study also identifies challenges related to limited operational funding, untrained nazirs, policy fragmentation, and declining youth engagement in waqf literacy. These issues underscore the need for transitioning from static to productive waqf models, formalizing multi-level governance, and integrating waqf into local development and religious education frameworks. This research contributes to the discourse on Islamic social finance and rural development by offering a context-sensitive model of waqf empowerment that combines spiritual intent, professional governance, and grassroots synergy.
A Study of Hadith on Women's Veils in the Perspective of Religious Moderation in Indonesia Mardiansyah, Hamzah; Yusmita, Yusmita; Isnaini, Desi; Ulfa, Fadillah; Lubis, Mawardi
AL QUDS : Jurnal Studi Alquran dan Hadis Vol. 9 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alquds.v9i1.11086

Abstract

The use of cadar for women in Indonesia has always been a polemic lately, often causing negative stigma. This study describes the critical analysis of hadith on the legal status of cadar for women through the approach of the concept of religious moderation in Indonesia. The research used is library research using a qualitative approach, collecting data from research sources in the form of books (hadith books), journals and other relevant readings, then analyzed using descriptive methods. The result of this study is that the cadar is a continuation of the jilbab as a covering for the awrah of believers in the Quran al-Ahzab verse 59. According to the hadith of the Prophet narrated by Abu Daud that the aurah of a believer woman is other than the face and palm and the ability to see this part of the woman before proposing. According to the principles and indicators of religious moderation, the wearing of the cadar for women believers in Indonesia does not reflect the concept of balance in religious practices and attitudes because it does not include fashion or culture of the archipelago. The conclusion of this study is that women believers do not wear a cadar in Indonesia does not mean that they do not cover their aurat, because the cadar is also related to the local culture.
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.
Toxic relationship: Rational emotive behavior therapy Sejati, Sugeng; Isnaini, Desi
KONSELI: Jurnal Bimbingan dan Konseling (E-Journal) Vol 9 No 2 (2022): KONSELI : Jurnal Bimbingan dan Konseling (E-journal)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/kons.v9i2.13339

Abstract

There are many problems that occur in unhealthy relationships and the research aims to see how far rational emotive behavior therapy (REBT) can prevent toxic relationships, the research approach used is the field research method (qualitative) data sources are obtained from interviews and observation to respondents. The results of the study show that rational emotive behavior therapy has a significant impact on the handling of unhealthy relationships experienced by respondents. Providing rational emotive behavior therapy services can change the attitudes, perceptions and ways of thinking of irrational counselees to become rational and eliminate self-destructive emotional disturbances.
ANALISIS STUDI KELAYAKAN BISNIS SYARIAH PADA USAHA MIKRO PEMBUATAN TEMPE (Studi pada Desa Palak Siring Kecamatan Kedurang) Hardi, Namang Juki; Isnaini, Desi; Nurhab, Muhammad Irpan
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2384

Abstract

This study aims to analyze the feasibility of sharia-based business practices in micro enterprises producing tempeh in Palak Siring Village, Kedurang District. The research method used is descriptive qualitative with a case study approach. Data were collected through observation, in-depth interviews, and documentation involving 12 informants, including the owner, employees, marketing staff, and consumers. The results show that in terms of financial aspects, the business is not yet fully feasible as there is no structured financial recording, and business finances are mixed with personal finances. In marketing, the business is fairly feasible with the implementation of honesty and trustworthiness values, although promotion is still conventional. Meanwhile, in the production aspect, the business is considered feasible, using halal raw materials, hygienic processes, and environmentally friendly waste management. Overall, the tempeh micro-enterprise has good potential for development in line with sharia economic principles, especially with proper managerial support and access to sharia-compliant financing.
PERAN KEUANGAN SOSIAL ISLAM  DALAM MENGENTASKAN KEMISKINAN DI KABUPATEN KAUR Rahmatin , Rahmatin; Isnaini, Desi
Salam (Islamic Economics Journal) Vol. 6 No. 1 (2025): June 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/5rxpjw57

Abstract

ABSTRAK Penelitian ini membahas peran keuangan sosial Islam zakat, infak, sedekah, dan wakaf dalam mengurangi kemiskinan di Kabupaten Kaur. Tujuan utamanya adalah untuk menganalisis kontribusi instrumen-instrumen tersebut dalam membantu masyarakat miskin, serta mengevaluasi persepsi mustahik dan muzakki terhadap efektivitas penyalurannya. Penelitian ini menggunakan metode kualitatif melalui wawancara mendalam dengan lima mustahik dan empat muzakki, serta dokumentasi dari lembaga pengelola zakat setempat. Hasil penelitian menunjukkan bahwa mayoritas mustahik merasa terbantu, terutama dalam pemenuhan kebutuhan pokok dan pengembangan usaha kecil. Dari empat muzakki, dua menyatakan zakat yang disalurkan berdampak positif, sementara dua lainnya menyoroti kurangnya transparansi serta distribusi yang belum tepat sasaran. Kesimpulan dari penelitian ini adalah bahwa keuangan sosial Islam memiliki potensi signifikan dalam pengentasan kemiskinan. Namun, masih diperlukan perbaikan dalam sistem pengelolaan, peningkatan transparansi, serta strategi penyaluran yang lebih tepat sasaran agar manfaatnya lebih optimal dan berkelanjutan. Kata Kunci: Keuangan Sosial Islam, ZISWAF, Kemiskinan, Mustahik, Muzakki    
Pemahaman Mahasiswa Tentang Saham Syariah Sebelum dan Sesudah Berdirinya Galeri Investasi Syariah BEI (Studi Kasus Pada Mahasiswa FEBI IAIN Bengkulu ) Isnaini, Desi; Muslih, Cipta Isratul
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.v5i1.2510

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.
Praktik Pembayaran Upah Pada Penjahit Uli Kota Bengkulu Berdasarkan Persepektif Ekonomi Islam Lestari, Sri; Isnaini, Desi; Hasanah, Uswatun
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 1 (2024): 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.v9i1.3401

Abstract

This research was conducted at Penjahit Uli in Bengkulu City using a qualitative method. The informants included business owners and 10 customers of Penjahit Uli in Bengkulu City, selected based on their knowledge and experience related to the issues under investigation. Data were collected through interviews with informants as primary data, and from research references, books, journals, and hadiths as secondary data. The research findings indicate that wage payment practices at Penjahit Uli in Bengkulu City are done twice: an initial payment (down payment/DP) upon fabric delivery and full payment upon completion of the sewing. However, not all customers are aware of the wage amount initially because Penjahit Uli does not disclose it, and customers do not inquire about it. This is due to mutual trust between both parties. After the sewing is completed, Penjahit Uli determines the wage amount, and customers pay in full without negotiation. From the perspective of Islamic Economics, the wage payment practice at Penjahit Uli in Bengkulu City falls under ijarah al-a’mal. This practice complies with general provisions, specifically number seven, regarding ijarah al-a’mal as stated in the fatwa DSN-MUI, NO.12/DSN-MUI/IX/2017. Furthermore, the wage provided is deemed appropriate, meets needs, is fair, and adheres to the agreed-upon timeframe.
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