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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 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 Bima Journal : Business, Management and Accounting Journal Journal of Research in Social Science and Humanities Salam (Islamic Economics Journal) Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jeksyah EKOBIS SYARIAH JSE: Jurnal Sharia Economica Sharia Economic and Management Business Journal (SEMBJ) Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat 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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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.
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; Oktarina, Amimah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021): 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.v6i2.2767

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.
Peran BMT Syari’ah Jaya Abadi dalam Peningkatan Pendapatan Usaha Mikro di Kecamatan Giri Mulya Kabuapaten Bengkulu Utara Riang, Ade; Isnaini, Desi; Oktarina, Amimah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.2910

Abstract

The purpose of this study 1) to determine the role of BMT Syari'ah Jaya Abadi in increasing micro business income in Giri Mulya District, North Bengkulu Regency. 2) To find out what are the obstacles of BMT Syari'ah Jaya Abadi in increasing micro business income in Giri Mulya District, North Bengkulu Regency. The approach used in this research is non-participant qualitative and descriptive analysis method. Data was collected through direct explanations from the head of BMT Syari'ah Jaya Abadi, Managers and Customers of Syari'ah Jaya Abadi as the unit of analysis for this research. The results of this study indicate that 1) The role of BMT Syari'ah Jaya Abadi, Giri Mulya District, North Bengkulu Regency, namely first, fostering an entrepreneurial spirit in the community. Second, being able to suppress the practice of usury in the midst of society. Third, improve people's welfare. 2) The obstacles to BMT Syari'ah Jaya Abadi, Giri Mulya District, North Bengkulu Regency, namely the delay in returning customers' capital money and the large number of customers who have not been able to manage their finances
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): 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.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): 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.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
Evaluasi Kinerja Perbankan Syariah Di Indonesia dengan Pendekatan Islamicity Performance Index Novianty, Lita Patricia; Isnaini, Desi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022): 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.v7i2.2851

Abstract

This study aims to determine the performance of Islamic Banking In Indonesia with the IsIamicity Performance Index approach with the ratio of P.S.R., Z.P.R., E.D.R., and I.I.C. This research method uses a quantitative approach. The type of research used is descriptive research with a quantitative approach. The data used is secondary data in the form of the annual report statements of Islamic banking for the 2016-2020 period. The samples in this study were three banks. The results show that the Profit Sharing Ratio (P.S.R.) of B.C.A. Syariah Bank and Bank MuamaIat Indonesia get a good predicate with a value of >30%. In the Zakat Performance Ratio (Z.P.R.), all samples get an insufficient predicate with a discount of <35% The EquitabIe Distribution Ratio (E.D.R.) Qardh and Donations, all models received a vague predicate with a value of <35%. The equitable Distribution Ratio (E.D.R.) of all samples of the workforce also received an unfordable predicate with a value of <35%. fair Distribution Ratio (E.D.R.) The net profit of all pieces received an insufficient predicate with a value <35%. In the ratio of Islamic Income vs. Non-Islamic Income, all models get an excellent predicate with a value of >35% and an average of 99.98%
Co-Authors Adisel, Adisel Agus Alimuddin Alfiah, Esti Anugrah Mahesa, Khodijah Aprina, Nana Apriza, Mutiara Arifin, Rahman Arisandi, Debby  Arisandy, Yosy Asnaini Asnaini, Asnaini Atika Sari Badaruddin Nurhab, Badaruddin Elwardah, Khairiah Evan Setiawan Febrima, Syafrullah Fitriani , Wina Fransiska, Linda Fransiska, Linda Hadawiyah, Husnatul Handana, Rudi Hanif, Padlim Hardi, Namang Juki Junaidi, Anwar Liza, Citra Lupita Maemunah Maemunah Maharani Mardiansyah, Hamzah Mawardi Lubis Miko Polindi, Miko Muslih, Cipta Isratul Muttaqin, Faisal Novianty, Lita Patricia Nurhab, Badarrudin Nurhab, Muhammad Irpan Oktarina, Amimah Oktarinah, Amimah Oktaviani oktaviani Pahrudin Permatasari, Maharani Pramadeka, Katra Putri, Sindi Purnama Rahmatin , Rahmatin Riang, Ade Ruliniati, Ruliniati Sari, Wenny Marta Puspita Sejati, Sugeng Sri Lestari Sumarni, Yenti Ulfa, Fadillah Uswatun Hasanah Utami, Dwi Subekti Puji Vindra, Dhef Wardi, Alka Inka Kusuma WULANDARI, SILVI Yulita, Yesi Yunisyah, Nur Yusmita, Yusmita Zahra, Naurah