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All Journal JOURNAL OF SCIENCE AND SOCIAL RESEARCH Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Arastirma Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Ekonomika Dan Bisnis Balance : Jurnal Akuntansi dan Manajemen Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Hukum Ekonomi Syariah : AICONOMIA VISA: Journal of Vision and Ideas
B, Idwal
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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STRATEGI MARKETING SYARIAH DALAM UPAYA MENINGKATKAN PENJUALAN DI TOKO ADZKIA KELURAHAN KEBUN GERAN KOTA BENGKULU Alfioni, Sovita; B, Idwal; Muttaqin, Faisal
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.v6i2.4889

Abstract

Traders or entrepreneurs are required to have a good and reliable marketing strategy so that it does not only sell well in the market but is also able to compete. The purpose of this study is to find out what sharia marketing strategies are and what are the obstacles to sharia marketing and their solutions. This research method uses qualitative research with a descriptive approach. The marketing concept at adzkia stores is in accordance with the four characteristics of marketing in Islam, namely: Theistic (rabbaniyyah), Ethical (akhlaqiyyah), realistic (al-waqiyyah), humanistic (insaniyyah). Obstacles and solutions, serving consumers the solution by providing enthusiasm and motivation, closing the shop at prayer times the solution is sticking paper in front of the store as a form of notification, price competition solutions explaining to consumers that price is in accordance with quality, there is still a lack of interest in Muslim fashion the solution is selling contemporary products.
Perspektif Ekonomi Islam Terhadap Dampak Pelaksanaan Gadai Sawah Bagi Kesejahteraan Petani di Desa Padang Siring Kecamatan Seginim Kabupaten Bengkulu Selatan Sari, Mella Nopita Sari; B, Idwal; Hasanah, Uswatun
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 2 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i2.4405

Abstract

The aim of the research is to determine the implementation of pawning rice fields and to determine the impact of implementing pawning rice fields on the welfare of farmers from research method used is qualitative. The data collection techniques used were observation, interviews and documentation. Research results: 1) Implementation of pawning rice fields, namely: First, the pillars and conditions of pawning where in the implementation they have been fulfilled, but in implementing the contract the community does not bring witnesses and only produces written evidence based on trust between both parties. Second, the Rights and Obligations of the Pledge Giver and Pledge Recipient, where in practice the rights of the pledge recipient have been fulfilled but the obligations of the pledge recipient have not been because the pledge recipient is still using the pawned goods for his own benefit. Meanwhile, the rights and obligations of the pledgor have been fulfilled. Third, the use of pawned goods, in practice the pawned goods are used by the pawn recipient. 2) The impact of pawning on farmer’s welfare from an Islamic economic perspective, namely: Dharuriyat, Hajiyat and Tahsiniyat. Where the implementation of this pawn is still far from prosperous, especially for the farmer (pawn giver), because by using the pawned goods by the pawn recipient, the pawn recipient can get multiple profits while the pawn giver lacks a lot of income which makes it difficult to meet his living needs, and it becomes increasingly difficult to pay off debts.  
PENGARUH RESESI GLOBAL TERHADAP PERGERAKAN HARGA SAHAM DI INDONESIA TAHUN 2023 Pratiwi, Sophia; B, Idwal; Yustati, Herlina
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.v8i4.15521

Abstract

The aim of this research is to find out how the global recession will affect stock price movements in Indonesia in 2023. The research method used is quantitative with secondary data collection techniques in the form of inflation, exchange rate and interest rate data. The data analysis technique used is multiple linear regression using the SPSS version 25 program. The results of the research show that the variables inflation, interest rates and exchange rates influence stock price movements by 17.9%. First, there is no significant influence of inflation (X1) on JII share price movements, second, there is a negative influence of interest rates (X2) on JII share price movements, third, there is no influence of the exchange rate on JII share price movements. while the rest is influenced by other variables not studied.
Pengaruh Belanja Online Terhadap Kebiasaan Konsumsi Dan Pengelolaan Keuangan Mahasiswa Ekonomi Islam UIN Fatmawati Sukarno Bengkulu putri, Prisilia Anggraini; B, Idwal; Stiawan, Evan
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 1 (2025): Januari - Februari
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v5i1.2635

Abstract

This research aims to examine the influence of online shopping on consumption habits and financial management of Islamic Economics students at UIN Fatmawati Sukarno Bengkulu.The method used is quantitative with primary data through questionnaires distributed to 155 respondents. The results of path analysis show that online shopping has a significant effect on consumption habits with a coefficient of 0.39 and a significance of 0.000. but it has no significant effect on financial management with a coefficient of 0.027 and a significance of 0.807. Meanwhile, consumption habits have a significant effect on financial management with a coefficient of 0.493 and a significance of 0.000. So the Sobel test shows that consumption habits mediate the influence of online shopping on financial management with a z value of 2.052, which is greater than 1.96.
ANALISIS KINERJA KEUANGAN PT BANK MUAMALAT INDONESIA TBK PERIODE 2019-2023 Sukma, Amanda Pelita; B, Idwal; Hariyadi, Rizky
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3183

Abstract

Abstract: Banking plays an important role in managing public funds, both through conventional banks and Islamic banks. Bank Muamalat Indonesia, one of the first Islamic banks in Indonesia, carries out its activities with Islamic principles and offers various financial products such as murabahah, mudharabah, musyarakah, and ijarah. This study aims to analyze the financial performance of Bank Muamalat Indonesia during the period 2019–2023 using financial ratios, namely liquidity, profitability, and solvency ratios. This study uses a descriptive quantitative approach by analyzing secondary data from Bank Muamalat Indonesia's annual financial reports. The results of the analysis show that although Bank Muamalat Indonesia showed good liquidity performance in most of the years studied, profitability performance fluctuated, with a significant decline in several years. The solvency ratio shows stability, but profitability such as Net Profit Margin (NPM) and Return on Assets (ROA) show inadequate performance compared to other Islamic banks. This study is expected to provide a comprehensive picture of the financial condition of Bank Muamalat Indonesia and contribute to the development of Islamic bank financial performance studies. Keyword: financial performance, Bank Muamalat Indonesia, financial ratios, liquidity,               profitability, solvency. Abstrak: Perbankan memegang peranan penting dalam pengelolaan dana masyarakat, baik melalui bank konvensional maupun bank syariah. Bank Muamalat Indonesia, merupakan salah satu bank syariah pertama di Indonesia, menjalankan aktivitasnya dengan prinsip syariah dan menawarkan berbagai produk keuangan seperti murabahah, mudharabah, musyarakah, dan ijarah. Penelitian ini bertujuan untuk menganalisis kinerja keuangan Bank Muamalat Indonesia selama periode 2019–2023 dengan menggunakan rasio keuangan, yaitu rasio likuiditas, profitabilitas, dan solvabilitas. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan menganalisis data sekunder dari laporan keuangan tahunan Bank Muamalat Indonesia. Hasil analisis menunjukkan bahwa meskipun Bank Muamalat Indonesia menunjukkan kinerja likuiditas yang baik pada sebagian besar tahun yang diteliti, kinerja profitabilitas mengalami fluktuasi, dengan penurunan signifikan pada beberapa tahun. Rasio solvabilitas menunjukkan stabilitas, namun profitabilitas seperti Net Profit Margin (NPM) dan Return on Assets (ROA) menunjukkan performa yang tidak memadai dibandingkan dengan bank syariah lainnya. Penelitian ini diharapkan dapat memberikan gambaran komprehensif tentang kondisi keuangan Bank Muamalat Indonesia dan memberikan kontribusi pada pengembangan studi kinerja keuangan bank syariah. Kata kunci: kinerja keuangan, Bank Muamalat Indonesia, rasio keuangan, likuiditas,                    profitabilitas, solvabilitas. 
Pengaruh Fintech Payment, Kontrol Diri Dan Literasi Keuangan Syariah Terhadap Manajemen Keuangan Pribadi Pada Komunitas Genbi Bengkulu Tri Oktavia, Laila; B, Idwal; Polindi, Miko
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3886

Abstract

This study aims to analyze the influence of Fintech Payment, self-control, and Islamic financial literacy on personal financial management within the Generasi Baru Indonesia (GenBI) community in Bengkulu. The research employs a quantitative approach, with data collected through questionnaires distributed to 175 respondents. The data were analyzed using multiple linear regression with the assistance of SPSS version 25. The analysis results show that, partially, Fintech Payment has a positive and significant effect on personal financial management with a significance level of 0.042. The self-control variable also has a significant influence, with a significance value of 0.003, while Islamic financial literacy demonstrates the most significant impact, with a value of 0.000. Simultaneously, the three variables have a positive and significant effect on personal financial management, as evidenced by a significance value of 0.000 (< 0.05). Therefore, these variables contribute significantly to improving the personal financial management skills of GenBI Bengkulu members.
Efektivitas Pengelolaan Kuota Haji Reguler oleh Kantor Wilayah Kementerian Agama Provinsi Bengkulu Amirullah, Sidik; B, Idwal; Zaki, Khozin
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.702

Abstract

Penelitian ini bertujuan untuk mengetahui efektivitas pengelolaan kuota haji reguler oleh Kantor Wilayah Kementerian Agama Provinsi Bengkulu, bagaimana proses pengelolaan kuota haji dilakukan, tantangan yang dihadapi, dan bentuk efektivitas yang telah dicapai. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data berupa wawancara, observasi, dan dokumentasi. Informan penelitian terdiri atas tiga pejabat struktural Kanwil Kemenag Provinsi Bengkulu, serta dua orang jemaah haji. Hasil penelitian menunjukkan bahwa pengelolaan kuota haji reguler melibatkan serangkaian proses yang terstruktur, mulai dari kebijakan dan regulasi pemerintah pusat, sistem pembagian kuota berbasis kabupaten/kota yang mengacu pada data SISKOHAT, serta peran aktif Kanwil Kemenag sebagai pelaksana teknis. Tantangan yang dihadapi meliputi panjangnya daftar tunggu, keterbatasan kuota, penundaan keberangkatan oleh jemaah, serta kesulitan dalam memperbarui dan menghubungi data jemaah lama. Meskipun demikian, pengelolaan kuota haji di Provinsi Bengkulu secara umum dinilai efektif, dibuktikan melalui tingkat pemanfaatan kuota yang tinggi, proses pendaftaran yang lancar, serta sistem waiting list yang transparan dan adil. Penelitian ini merekomendasikan perlunya peningkatan pembaruan data jemaah, penguatan edukasi publik, serta upaya strategis penambahan kuota nasional sebagai bentuk respons atas meningkatnya permintaan masyarakat.   This study aims to determine the effectiveness of regular hajj quota management by the Regional Office of the Ministry of Religious Affairs of Bengkulu Province, how the hajj quota management process is carried out, the challenges faced, and the form of effectiveness that has been achieved. This study uses a descriptive qualitative approach with data collection techniques in the form of interviews, observations, and documentation. The research informants consisted of three structural officials from the Bengkulu Province Ministry of Religion Regional Office, as well as two Hajj pilgrims. The results of the study indicate that regular hajj quota management involves a series of structured processes, starting from central government policies and regulations, a district/city-based quota distribution system referring to SISKOHAT data, and the active role of the Ministry of Religious Affairs Regional Office as a technical implementer. The challenges faced include the length of the waiting list, limited quotas, delays in departure by pilgrims, and difficulties in updating and contacting old pilgrim data. However, the management of the hajj quota in Bengkulu Province is generally considered effective, as evidenced by the high level of quota utilization, a smooth registration process, and a transparent and fair waiting list system. This study recommends the need to increase the updating of pilgrim data, strengthen public education, and strategic efforts to increase the national quota as a response to increasing public demand.  
Penolakan Konsep Time Value of Money dalam Ekonomi Islam untuk Menjaga Pertumbuhan Ekonomi Tetap Produktif Asnaini, Asnaini; B, Idwal; Yuningsih, Ayu
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v2i1.2631

Abstract

This study aims to reveal that the concept of time value of money in Islamic economics is as a rejection of the practice of interest (usury) or economics that ignores the real sector. The study used qualitative methods of content analysis with secondary data. The results revealed that Islamic economics rejects the concept of time value of money. Money is money, not a commodity. Money should always be positioned as a medium of exchange regardless of changes or additional time. Time cannot be the cause for the increase in the value of money in the past that exists in the present. Additions that are allowed are additional because of both business and social transactions. Additions due to loan contracts that position money as a commodity are strictly prohibited (haram) because they lead to interest (usury) instead of profit (profit). If this happens, it will seriously endanger economic growth. The economy became uncompetitive and the principles in Islamic economics were not fulfilled.
Peran dan Aplikatif Financial Technology pada Perbankan Syariah Yutina, Iwit; B, Idwal; Polindi, Miko
Jurnal Arastirma Vol. 5 No. 2 (2025): JURNAL ARASTIRMA
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jaras.v5i2.49170

Abstract

Tujuan. Tujuan penelitian ini adalah untuk mengetahui aplikasi apa saja yang di terapkan di Perbankan Syariah dalam penerapan Financial Technology dan Untuk mengetahui peran Financial Technology pada Perbankan Syariah. Metode. Pada penelitian ini, peneliti menggunakan penelitian kualitatif yang menggunakan pendekatan kualitatif dengan metode deskriptif, dengan menggunakan teknik pengumpulan data yaitu observasi, wawancara dan dokumentasi. Sedangkan teknik analisis data pada penelitian ini yaitu Data Reiduictiion (Reiduiksii Data), Data Diisplay (Peinyajiian Data), dan Concluisiion Drawiing (Peinariikan keisiimpuilan). Hasil. Hasil penelitian menunjukkan bahwa aplikasi financial technology yang diterapkan di Perbankan Syariah meliputi Mobile Banking (BSI Mobile), Internet Banking, dan Virtual Account. Penggunaan ketiga aplikasi ini memberikan berbagai manfaat bagi nasabah, antara lain kemudahan transaksi keuangan tanpa harus datang ke kantor cabang, transparansi mutasi rekening, akses donasi ZISWAF secara daring, serta fleksibilitas dalam bertransaksi kapan pun dan di mana pun. Selain itu, ditemukan bahwa aplikasi tersebut juga mendukung pelayanan nasabah dalam hal efisiensi waktu, keamanan data transaksi, dan peningkatan loyalitas terhadap layanan perbankan syariah. Implikasi. Aplikasi financial technology yang diterapkan pada Perbankan Syariah, yaitu Mobile Banking, Internet Banking dan Virtual Account. Dan, Peran aplikasi financial technology sangat penting dalam meningkatkan keuangan inklusif pada Bank Syariah. Adanya aplikasi financial technology seperti mobile banking dan internet banking menjadi pengganti lembaga formal dan juga menjadi alat bantu pembayaran. Keuangan inklusif nya juga meningkat seiring penggunaan aplikasi financial technology yang tinggi.
Edukasi Konsep Pengembangan Halal Tourism Wisata Pantai Pengubaian dalam Meningkatkan Kepuasan Wisatawan di Kabupaten Kaur Nabila, Naswa; B, Idwal; Pramadeka, Katra
VISA: Journal of Vision and Ideas Vol. 4 No. 3 (2024): VISA: Journal of Vision and Ideas
Publisher : IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/visa.v4i3.5337

Abstract

The development of halal tourism in Indonesia has become one of the priorities to increase tourist satisfaction, especially in areas with a majority Muslim population. Pengubaian Beach has great potential to develop the concept of halal tourism. However, until now the concept has not been applied optimally. This community service program aims to provide education to tourism actors and local communities about the importance of developing halal tourism at Pengubaian Beach. The methods used include Focus Group Discussion (FGD) and socialization with the Kaur Regency Tourism Office. The results of this activity show an increase in the understanding and awareness of tourism actors, the local community towards the concept of halal tourism, with the hope of being able to increase the attractiveness of Pengubaian Beach as a sustainable tourist destination.
Co-Authors Alfioni, Sovita Amirullah, Sidik Arisandi, Jefri Asnaini Asnaini, Asnaini Fatmawati, Dinda Hariyadi, Rizky Miko Polindi Muttaqin, Faisal Nabila, Naswa Pramadeka, Katra Pratiwi, Sophia putri, Prisilia Anggraini Sari, Mella Nopita Sari Shar, Aan Stiawan, Evan Sukma, Amanda Pelita Tri Oktavia, Laila Uswatun Hasanah Yuningsih, Ayu YUSTATI, HERLINA Yutina, Iwit Zaki, Khozin