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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

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/d5zzvx73

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

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/d5zzvx73

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

Dampak Penerapan Sande (Gadai) Sawah Ditinjau Dari Ekonomi Islam Fitriani , Wina; Isnaini, Desi; Elwardah, Khairiah
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 2 (2022): June
Publisher : Yayasan Darussalam Bengkulu

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Tujuan penelitian ini adalah untuk mengetahui dampak penerapan sande (gadai) sawah terhadap kesejahteraan masyarakat Desa Keban Agung Kabupaten Bengkulu Selatan ditinjau dari ekonomi syariah. Penelitian ini merupakan jenis penelitian lapangan (field research) dengan pendekatan kualitatif. Hasil penelitian disimpulkan bahwa pelaksanaan sande (gadai) sawah di Desa Keban Agung Kabupaten Bengkulu Selatan berdampak negatif terhadap terhadap kesejahteraan masyarakat khususnya bagi pihak yang menggadaikan sawahnya (rahin) karena para penggadai tidak dapat menggarap sawah yang telah dijadikan sebagai jaminan atas hutangnya. Hal tersebut membuat para penggadai (rahin) kehilangan penghasilan dari sawah mereka tersebut, bahkan jika mereka tidak bisa melunasi hutangnya, maka rahin juga bisa kehilangan hak atas sawahnya tersebut. Akan tetapi, bagi pihak yang penerima gadai (murtahin), tentu sudah bisa meningkatkan kesejahteraan bagi kelurganya. Karena mereka bisa mendapatkan hasil dari menggarap sawah gadaian dari rahin tanpa mengurangi uang yang telah dipinjamkan. Sehingga bisa dikatakan bahwa murtahin bisa mendapatkan keuntungan yang berlipat ganda dari praktik gadai sawah yang dilakukan tersebut.

Dampak Pencemaran Limbah Pabrik Tahu Terhadap Kondisi Sosial Ekonomi Masyarakat Kelurahan Sukarami dan Kelurahan Betungan Kota Bengkulu Ditinaju Dari Ekonomi Islam Yunisyah, Nur; Isnaini, Desi; Elwardah, Khairiah
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 3 (2022): October
Publisher : Yayasan Darussalam Bengkulu

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Tujuan penelitian ini adalah untuk mengetahui dampak pencemaran limbah pabrik tahu terhadap kondisi sosial ekonomi masyarakat Kelurahan Sukarami dan Kelurahan Betungan Kota Bengkulu Ditinjau dari Ekonomi Islam. Penelitian ini merupakan jenis penelitian lapangan (field research) dengan pendekatan metode kualitatif. Hasil penelitian disimpulkan bahwa dampak positif limbah ampas pabrik tahu yang berupa kulit kedelai masih dapat dimanfaatkan sebagai pakan ternak serta pencampuran pupuk organic.Sedangkan dampak negatif dari limbah pabrik tahu yaitu terjadinya pencemaran yang menyebabkan air sungai berubah warna dan berbuih putih, serta menimbulkan bau yang tidak sedap sehingga mengganggu masyarakat yang tinggal di sekitar pabrik tersebut.

Analysis of Service Quality at Islamic Banks in Bengkulu City (Study at BSI Bank KC S. Parman 1) Anugrah Mahesa, Khodijah; Isnaini, Desi; Pahrudin
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 1 (2025): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i1.1226

The aim of this research is to determine the service quality of Bank Syariah Indonesia KC S. Parman 1 Bengkulu. This research is field research using a descriptive qualitative approach. The data sources used in this research are primary data and secondary data. The data analysis technique used is data reduction, data presentation and drawing conclusions. The results of this research indicate that the services at the Indonesian sharia bank KC S. Parman 1 Bengkulu provide services for customers. This is demonstrated through 5 (five) factor dimensions, namely: tangible (physical evidence), Reability (reliability), Responsiveness (responsiveness), Assurance (guarantee) and Empaty (empathy). The results of this research indicate that the service quality of Bank BSI KC S. Parman 1 is quite satisfactory for customers. However, there are still several factors that can be improved, such as the mobile banking network which often has problems and the lack of ATM machine support. On the other hand, Bank BSI KC S. Parman 1 has carried out improvements and improvements to the facilities and services provided to customers every year.

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

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

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

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

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.

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