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IDENTIFIKASI KELAYAKAN USAHA BUMDES PADA ASPEK SOSIAL DAN EKONOMI (Studi Kasus BUMDes Mekar Sari Mandiri Desa Mekar Sari Kabupaten Kepahiang) Hartini, Kustin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018)
Publisher : Institut Agama Islam Bengkulu

Village economy is one of the important factors in assessing the success of village development the Law No. 6 of 2014 concerning Village Article 1 paragraph 6 stipulates that Village-Owned Enterprises, hereinafter referred to as BUMDes, are business entities whose whole or part of their capital is owned by the Village through direct participation originating from Village assets separated to manage assets, services services and other businesses for the greatest welfare of the village community. This confirms that the management of BUMDes is fully implemented by the Village community, from the Village, by the Village and for the Village in an effort to strengthen the village economy and is formed based on the needs and potential of the VillageThe establishment of the BUMDes is expected not only to be oriented towards the profit of the institution but also to prioritize the benefits for improving the economy and welfare of the village community. This study aims to conduct a feasibility assessment of the implementation of business activities of Village-Owned Enterprises (BUMDes). This research was conducted with descriptive qualitative methods with data collection techniques in the field using interview methods, documentation, observation and literature review with the research subjects being village officials, BUMDes managers and communities using BUMDes services. Measurement assessment analysis uses indicators of feasibility study aspects. The results showed that the existence of BUMDes was in accordance with the objective of establishing BUMDes in an effort to improve the economy of the village community, that BUMDes Mekar Sari Mandiri in Mekar Sari Village, Kepahiang Regency from the results of business feasibility assessment especially on social and economic aspects had a positive and direct impact. for local village governments and especially communities around BUMDes

PERANAN PEMBIAYAAN MUSYARAKAH MUTANAQISHAH (MMQ) BANK SYARIAH INDONESIA PADA PENGEMBANGAN UMKM DI KOTA BENGKULU Sari, Ela Wilfa; Mursalin, Supardi; Hartini, Kustin
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16857

Tujuan penelitian ini adalah untuk mengetahui peranan pembiayaan MMQ Bank Syariah Indonesia KC Bengkulu Adam Malik dan pengembangan pada UMKM di kota Bengkulu setelah mendapatkan pembiayaan MMQ Bank Syariah Indonesia KC Bengkulu Adam Malik. Pendekatan penelitian ini bersifat deskriptif menggunakan penelitian kualitatif. Hasil penelitian menunjukkan bahwa peranan pembiayaan MMQ sebagai modal kerja syariah berperan dalam memberikan bantuan modal kepada nasabah melalui pembiayaan dengan akad MMQ untuk mengembangkan usaha nasabah yang dilakukan dengan cara membeli asset seperti mobil, meja, kursi dan lain-lain. Sedangkan pada investasi syariah, pembiayaan dengan akad MMQ ini berperan dalam mengembangkan usaha nasabah yang dilakukan dengan cara membeli gedung atau ruko, tanah dan lain-lain. Dan pengembangan UMKM di Kota Bengkulu setelah mendapatkan pembiayaan Musyarakah Mutanaqishah (MMQ) Bank Syariah Indonesia KC Bengkulu Adam Malik dapat dilihat dari pengembangan asset, revenue (pendapatan) dan modal. Dari beberapa indikator tersebut dapat disimpulkan bahwa pembiayaan yang disalurkan bank memberikan dampak positif berupa kenaikan pendapatan, julmlah modal dan asset yang terus berkembang.

PENERAPAN MAQASHID SYARIAH DALAM EKONOMI ISLAM Permata Sari, Intan; Sri Wahyuni, Eka; Hartini, Kustin
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.v6i2.4888

This study aims to determine the urgency of maqashid sharia in Islamic economics and to determine the application of maqashid sharia based on its business aspects. This type of research, namely library research relating to library data collection methods, uses a qualitative approach. The results of the study show that maqashid sharia has a dual role, namely: as a control tool as well as a social engineering tool to realize human benefit. It provides a rational philosophical foundation of economic activity. Without maqashid sharia, the understanding and practice of Islamic economics will become narrow, rigid, static and slow. Islamic economics will lose the spirit and substance of its shari'ah. In the application of maqashid business in the Islamic economy, it can be seen that every agreement must be clear, the obligation to work and produce, Al-Kharraj bi adh-Dhaman (Balance between Profits and Risks), maqashid prohibits gharar and maqashid prohibits wasting wealth.

Penerapan Prinsip-Prinsip Ekonomi Syariah Pada Pasar Tradisional Di Kota Bengkulu Nauli, Roma Dona; Yuneri, Winda; Hartini, Kustin
MESTAKA: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 6 (2024): Desember 2024
Publisher : Pakis Journal Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58184/mestaka.v3i6.520

Every step in the production chain must adhere to sharia ideals and principles in order for producers to fulfill their duty to optimizing benefits. Avoiding forbidden items in transactions and applying the suggested Islamic standards are the primary Islamic values in manufacturing. The purpose of this study is to determine and examine how sharia principles such as fairness, openness, and the proscription of usury are applied in typical market transactions. This study employed a qualitative methodology, gathering data through observations and interviews at a number of conventional marketplaces. The study's findings indicate that traditional and contemporary markets are essentially the same, with the only exception being the manner in which transactions take place. Traditional markets serve as both a tangible representation of the variety of the Indonesian people and a tiny version of their cosmopolitan society. Through just and honest dealings, markets in Islam seek to bring about wealth for both the earth and the hereafter (Al-Falah). As a result, Islam differs from other economic systems in a number of ways. Many traders from different areas have incorporated sharia economic ideas into their conventional market trading activity in Bengkulu. In this instance, the government's participation is crucial in educating traders about sharia economic principles, particularly in traditional marketplaces, in order to build a thriving economy founded on people's honesty and justice.

Pemahaman Masyarakat Terhadap Kawajiban Melaksanakan Ibadah Haji: Studi Desa Lubuk Tapi Kabupaten Bengkulu Selatan Fadila, Yandi Ahmad; Idwal B; Hartini, Kustin
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8143

Tujuan penelitian ini untuk mengetahui Pemahaman Masyarakat Lubuk Tapi Terhadap Rukun dan Syarat Haji dan Untuk mengetahui Pemahaman Masyarakat Terhadap Kewajiban Ibadah Haji. Jenis penelitian ini adalah Penelitian dengan menggunakan deskriptif kualitatif. Sumber data, data primer dan data skunder, mengunakan Teknik pengumpulan data obsarvasi, wawancara, dokumentasi dan Teknik anasisa data deskriptif kualitatif. Masyarakat Desa Lubuk Tapi memiliki pemahaman yang baik terhadap rukun dan syarat haji, dapat menjawab pertanyaan dengan penjelasan menggunakan bahasa mereka sendiri. Masyarakat juga mampu mengidentifikasi, menyebutkan, dan memberikan alasan serta contoh untuk menafsirkan informasi, mengekstrapolasi pengetahuan sesuai konteksnya. Masyarakat Desa Lubuk Tapi Bengkulu Selatan memiliki pemahaman yang baik tentang kewajiban melaksanakan ibadah haji. Mereka dapat menjawab pertanyaan mengenai pengetahuan, informasi, dan keutamaan haji dengan bahasa sendiri. Masyarakat ini juga mampu mengidentifikasi, menyebutkan, menyatakan, serta memberikan alasan dan contoh untuk menafsirkan informasi. Mereka dapat menerjemahkan, menafsirkan, dan mengekstrapolasi informasi tentang haji.

Pengaruh Inflasi dan Investasi Syariah terhadap Pertumbuhan Ekonomi Nasional Rampasi, Inna; Elwardah, Khairiah; Hartini, Kustin
Jurnal Bisnis Mahasiswa Vol 5 No 3 (2025): Jurnal Bisnis Mahasiswa
Publisher : PT Aksara Indo Rajawali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60036/jbm.588

Tujuan penelitian ini adalah untuk mengetahui Pengaruh Inflasi terhadap Pertumbuhan Ekonomi Nasional, untuk mengetahui Pengaruh Investasi Syariah terhadap Pertumbuhan Ekonomi Nasional, dan untuk mengetahui Pengaruh Inflasi dan Investasi Syariah Terhadap Pertumbuhan Ekonomi Nasional. Untuk melihat pengaruh tersebut peneliti menggunakan metode kuantitatif dengan menggunakan SPSS versi 27. Data yang digunakan data sekunder. Populasi dalam penelitian ini adalah seluruh data Inflasi, Investasi Syariah (Reksa Dana Syariah), dan Pertumbuhan Ekonomi dengan jumlah 40 sampel. Dengan teknik analisis data regresi linier berganda. Variabel dalam penelitian ini adalah Inflasi (X1), Investasi Syariah (X2) dan Pertumbuhan Ekonomi (Y). Dengan menggunakan SPSS Versi 27, didapat hasil secara parsial (uji t) variabel Inflasi tidak mempunyai pengaruh terhadap Pertumbuhan Ekonomi dengan nilai thitung < ttabel (-0,317 < 1,68709) dan nilai Sig. > α (0,753 < 0,05). Menunjukkan bahwa setiap kenaikan Inflasi maka akan menurunkan Pertumbuhan Ekonomi Nasional sebesar 0,317. Hasil penelitian secara parsial (Uji T) variabel Investasi mempunyai pengaruh terhadap Pertumbuhan Ekonomi dengan nilai thitung > ttabel (-19,749 > 1,68709) dan nilai Sig < α (0,001 < 0,05). Menunjukkan bahwa setiap kenaikan Investasi Syariah maka akan meningkatkan Pertumbuhan Ekonomi Nasional sebesar 19,749. Hasil penelitian secara simultan (uji f) menunjukkan bahwa variabel Inflasi dan Investasi Syariah mempunyai pengaruh terhadap Pertumbuhan Ekonomi Nasional dengan Fhitung > Ftabel (195,096 > 3,24) dan nilai Sig. < 0,05 (0,0001 < 0,05).

Edukasi dan Pelatihan Prinsip Ekonomi Syariah dalam Pemanfaatan Minyak Jelantah sebagai Lilin Aromaterapi Dinanti, Septi Tri; Fitiyani, Yudia Gusti; Julianti, Alda; Yustati, Herlina; Hartini, Kustin
Mestaka: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 3 (2025): Juni 2025
Publisher : Pakis Journal Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58184/mestaka.v4i3.689

This education and training program was held at RT 19, Bumi Ayu Village, Selebar District, Bengkulu City, with the aim of providing knowledge and skills to residents, especially housewives, in processing used cooking oil waste into aromatherapy candles that are marketable and environmentally friendly. This training uses an Asset-Based Community Development (ABCD) approach which focuses on utilizing local assets, and combines sharia economic principles such as justice, sustainability, productivity (al-i'mar), and benefit (al-maslahah). The training process includes asset mapping, how to make candles from used cooking oil, and digital marketing strategies via social media. The results of the activity showed an increase in participants' knowledge, technical skills and entrepreneurial motivation. The candle products produced not only help reduce household waste, but also create business opportunities that are halal, innovative and sustainable.

Analysis Of The Influence Of Lifestyle And Halal Labeling On Purchasing Decisions For Cosmetic Products In Pagar Jati Village, Central Bengkulu Handayani, Metri; Asnaini, Asnaini; Hartini, Kustin
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 1 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.1.527-538

Purpose: The purpose of this study was to analyze and understand the effect of lifestyle and price on purchasing decisions for halal-labeled products, specifically among women in Pagar Jati Village, Central Bengkulu.Â Methodology: This study used a descriptive research design with a quantitative approach. A nonprobability sampling technique with saturated sampling was applied, selecting 82 respondents for the survey.Â Results: The results revealed that the lifestyle variable (X1) significantly influences purchasing decisions for cosmetic products, with a regression coefficient of 5.757 and a probability value of 0.0000, which is smaller than the significance level Î± = 0.05. The halal label variable (X2) also has a significant effect, with a regression coefficient of 2.522 and a probability value of 0.0137. Additionally, both variables together positively influence purchasing decisions, with a regression value of 31.830 and a probability value of 0.000.Â Findings: Lifestyle and halal label variables account for 43.2% of the influence on purchasing decisions for cosmetic products, with the remaining 56.8% being influenced by other factors not examined in this study.Â Novelty: This research provides new insights into the role of lifestyle and halal labeling in purchasing decisions within a specific demographic in Central Bengkulu.Â Originality: The study focuses on halal-labeled products, an area of growing interest in consumer behavior studies, particularly in the context of women in rural areas.Â Conclusions: Lifestyle and halal labeling significantly influence cosmetic product purchasing decisions, highlighting the importance of these factors in marketing strategies.Â Type of Paper: Empirical research paper.

PENERAPAN TOTAL QUALITY MANAGEMENT (TQM) DALAM PERGURUAN TINGGI Hartini, Kustin
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2015)
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.v1i1.766

Total Quality Management (TQM) is an approach manejemen used to enhance the competitiveness of companies in the long run in a globalized world to be able to compete on a competitive basis. Companies need for radical change to the management system, in order to produce goods or services in accordance with the demands of the times and consistently produce high quality goods or services. Total Quality Management (TQM) or Integrated Quality Management is often linked to other terms such as Quality Improvement Program (QIP) despite having a different principle but interrelated and refer to the same purpose namely improving the quality (quality). Quality factor is very important, because one of the standards of global competition factors other than price(price),and service factors(service).Characteristics of globalization demanding quality requirements not only penetrated the world of business and enterprise but in all aspects and areas of life including education.

IDENTIFIKASI KELAYAKAN USAHA BUMDES PADA ASPEK SOSIAL DAN EKONOMI (Studi Kasus BUMDes Mekar Sari Mandiri Desa Mekar Sari Kabupaten Kepahiang) Hartini, Kustin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018): 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.v3i2.1538

Village economy is one of the important factors in assessing the success of village development the Law No. 6 of 2014 concerning Village Article 1 paragraph 6 stipulates that Village-Owned Enterprises, hereinafter referred to as BUMDes, are business entities whose whole or part of their capital is owned by the Village through direct participation originating from Village assets separated to manage assets, services services and other businesses for the greatest welfare of the village community. This confirms that the management of BUMDes is fully implemented by the Village community, from the Village, by the Village and for the Village in an effort to strengthen the village economy and is formed based on the needs and potential of the VillageThe establishment of the BUMDes is expected not only to be oriented towards the profit of the institution but also to prioritize the benefits for improving the economy and welfare of the village community. This study aims to conduct a feasibility assessment of the implementation of business activities of Village-Owned Enterprises (BUMDes). This research was conducted with descriptive qualitative methods with data collection techniques in the field using interview methods, documentation, observation and literature review with the research subjects being village officials, BUMDes managers and communities using BUMDes services. Measurement assessment analysis uses indicators of feasibility study aspects. The results showed that the existence of BUMDes was in accordance with the objective of establishing BUMDes in an effort to improve the economy of the village community, that BUMDes Mekar Sari Mandiri in Mekar Sari Village, Kepahiang Regency from the results of business feasibility assessment especially on social and economic aspects had a positive and direct impact. for local village governments and especially communities around BUMDes

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