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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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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%
EDUKASI PEMAHAMAN BANK SYARIAH UNTUK MENINGKATKAN KEMAUAN MENABUNG MASYARAKAT DI DESA AIR PUTIH KABUPATEN BENGKULU TENGAH Febrima, Syafrullah; Isnaini, Desi; Nurhab, Badarrudin
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.v6i3.1595

Abstract

Penelitian ini bertujuan untuk meningkatkan pemahaman dan kemauan masyarakat Desa Air Putih, Kabupaten Bengkulu Tengah, dalam menabung di bank syariah melalui kegiatan edukasi dan sosialisasi. Latar belakang kegiatan ini adalah rendahnya tingkat literasi keuangan dan kurangnya pengetahuan masyarakat mengenai konsep dan manfaat menabung dalam sistem perbankan syariah. Metode pelaksanaan kegiatan meliputi sosialisasi langsung kepada masyarakat, kerja sama dengan Bank Syariah Indonesia (BSI), serta pendampingan pembukaan rekening tabungan. Kegiatan ini dilakukan dalam tiga tahap: penyampaian materi edukasi, wawancara untuk evaluasi pemahaman, dan pendampingan teknis pembukaan rekening bagi warga yang berminat. Hasil kegiatan menunjukkan peningkatan pemahaman masyarakat secara signifikan: dari 40% menjadi 85% responden yang mampu menjawab dengan benar pertanyaan kuesioner setelah kegiatan edukasi. Selain itu, beberapa warga mulai membuka rekening tabungan syariah, menunjukkan adanya peningkatan kemauan untuk menabung sesuai prinsip syariah. Program ini berdampak positif dalam meningkatkan literasi keuangan syariah, mendorong kebiasaan menabung, serta membuka akses masyarakat terhadap sistem keuangan yang lebih adil dan sesuai prinsip Islam. Dengan pendekatan langsung, kolaborasi dengan lembaga keuangan, dan materi yang kontekstual, edukasi ini menjadi salah satu strategi efektif dalam mendorong inklusi keuangan syariah di pedesaan. Kata Kunci: Edukasi, Pemahaman dan Tabungan Syariah
Pendampingan Pembuatan Nomor Induk Berusaha dan Sertifikasi Halal bagi Para Pelaku Usaha UMKM di Kecamatan Singaran Pati Wardi, Alka Inka Kusuma; Isnaini, Desi; Hasanah, Uswatun
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 4 No. 6 (2024): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v4i6.5394

Abstract

Micro, Small, and Medium Enterprises or MSMEs are an important part of the economy of a region or country. By developing MSMEs it can provide its own meaning in increasing the value of a country's economic growth and can reduce the value of poverty in a country. The existence of Micro, Small and Medium Enterprises (MSMEs) can be the backbone of a country's economy, because their form of business can revive a declining economy. According to Law Number 20 of 2008 concerning Micro, Small and Medium Enterprises, MSMEs have a very vital role in development and economic growth, but only in developing countries such as Indonesia, but also in developed countries. The main objective of this assistance is to increase the number of MSMEs that obtain NIB and Halal Certification, strengthen consumer confidence, provide guarantees in the production process for producers, increase product competitiveness, stimulate sales turnover growth, open up global marketing opportunities, and comply with government regulations regarding legality. halal business and regulations. The implementation of this mentoring program consists of three stages, namely: pre-service, implementation of mentoring and post-mentoring evaluation. Mentoring activities involve several aspects, such as providing an understanding of the importance of NIB and Halal Certification for MSMEs, assisting in managing business legality through Business Identification Numbers (NIB) and facilitating halal certification programs, and the halal logo is part of this mentoring effort. This activity is focused on MSMEs located in Singaran Pati District, Bengkulu City. Assistance was carried out between 30 May and 30 September 2024, involving 10 business actors. Through the outreach of NIB, SIINas and halal certification. As of the end of September, 3 halal certifications had been issued by the MUI based on the results of assistance and 7 were still in the process of applying for halal certification.
Pengembangan Potensi Wisata Desa Surau Kecamatan Taba Penanjung Kabupaten Bengkulu Tengah Oktaviani, Oktaviani; Isnaini, Desi; Polindi, Miko
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 5 No. 2 (2025): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v5i2.6528

Abstract

This service was carried out in Surau Village, Taba Penanjung District, Central Bengkulu Regency, this service aims to support the development of tourism potential in Surau Village. In this service activity, researchers used the ABCD (Asset-Based Community Development) method. The focus of this activity is to create social media accounts as promotional material for village tourism. The ABCD method in this service activity is carried out in stages: a. Discovery (Asset Identification), b. Dream (building relationships and collaboration), c. Design (designing targets), d. Define (determine), e. Destiny (do). The results of the activity show an increase in community capacity in tourism management, Pokdarwis, as well as the creation of a digital-based marketing strategy to increase the tourist attraction of the village. With this development, it is hoped that Surau Village can become one of the leading tourist destinations in Central Bengkulu Regency which will ultimately support the sustainable economic growth of the local community.
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.
Relevansi Religiusitas Dengan Perilaku Konsumsi Isnaini, Desi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2020)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v6i1.3538

Abstract

Religiosity in every researchs admitted has related with economic behaviour. Wich related to others or personally. This research discuss about the relevance of religiosity to consumption behaviour, using library research. From this research can be concluded that religiosity will affect consumption behaviour, one of them is consumer behaviour. The more religiosity, then the consumption behaviour applied is the more advantages and the good consumption behaviour. 
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