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Efficiency Analysis Of Islamic Rural Banks (BPRS) In Bengkulu And Lampung Provinces Using The Data Envelopment Analysis Approach Cahyono, Andi; Setiawan, Romi Adetio; Kaemah, Tolan; Mufanti, Restu
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
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.v11i2.5666

Abstract

Purpose: This study analyzes the efficiency of Islamic Public Financing Banks (BPRS) in Bengkulu and Lampung Provinces during 2019–2023 by examining two BPRS in Bengkulu and four BPRS in Lampung with the largest assets and operating for more than five years.Design/methodology: This research employs a quantitative approach using financial reports of BPRS in both provinces. Samples were determined through purposive sampling based on asset size and operational period. Efficiency was measured using the Data Envelopment Analysis (DEA) method, which applies a linear programming system to construct a non-parametric frontier. The input variables were Third-Party Funds (DPK) and Operational Costs, while the output variables consisted of Fixed Assets, Financing, and Operational Income..Findings: The results indicate that several BPRS experienced inefficiencies. In Bengkulu, BPRS Maslahat Dana Syariah Nusantara was inefficient in 2022 due to high operational costs (+10.03%), low financing (-84.20%), and reduced operational income (-78.36%) caused by the COVID-19 pandemic. In Lampung, inefficiency was found in BPRS Kota Bumi (2019) due to high costs (-12.13%) and suboptimal financing and income; BPRS Metro Madani (2021–2022) due to rising costs (+4.51%) and mismatched financing growth; and BPRS Lampung Timur (2020) due to declining income (-4.91%). Overall, Lampung BPRS demonstrated higher efficiency, with an average score of 0.85 compared to Bengkulu’s 0.70, attributed to broader market access and stronger financial performance in urban-based BPRS.Practical Implication: The study highlights key challenges affecting BPRS efficiency, such as frequent regulatory changes and the economic impact of the COVID-19 pandemic. Strengthening fund allocation, improving cost management, and leveraging government policies on financial inclusion can enhance efficiency and market competitiveness.Originality/Value: This research provides new insights into the efficiency of BPRS in Bengkulu and Lampung by comparing their performance within a regional context. The findings underscore the strategic role of BPRS in supporting financial inclusion and ensuring compliance with sharia principles, while offering recommendations for improving operational sustainability
Implementasi proses sertifikasi halal self declare dalam mendukung pertumbuhan UMKM Ariska, Nenda; Setiawan, Romi Adetio; Setiawan, Adi; Zaki, Khozin
Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Vol. 4 No. 4 (2023)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jp2m.v4i4.21335

Abstract

Dalam konteks pertumbuhan ekonomi negara, Usaha Mikro, Kecil, dan Menengah (UMKM) memegang peran sentral. Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal (UU JPH) telah mengubah status sertifikasi halal dari yang semula sukarela menjadi wajib. Penerapan Undang-Undang ini menekankan pentingnya peran Pendamping Proses Produk Halal (P3H) untuk membantu pelaku usaha dalam mengurus sertifikasi halal. Tujuan utama dari pendampingan ini adalah meningkatkan jumlah UMKM yang memperoleh sertifikasi halal, memperkuat kepercayaan konsumen, memberikan jaminan dalam proses produksi bagi para produsen, meningkatkan daya saing produk, merangsang pertumbuhan omset penjualan, membuka peluang pemasaran global, serta mematuhi ketentuan pemerintah terkait regulasi halal. Pelaksanaan program pendampingan ini terdiri dari tiga tahap, yaitu: pra pengabdian, pelaksanaan pendampingan, dan evaluasi pasca pendampingan. Kegiatan pendampingan melibatkan beberapa aspek, seperti memberikan pemahaman akan pentingnya sertifikasi halal bagi UMKM, membantu dalam pengurusan legalitas usaha melalui Nomor Induk Berusaha (NIB), dan memfasilitasi program sertifikasi halal gratis (SEHATI). Selanjutnya, pemberian NIB, sertifikat halal, serta logo halal menjadi bagian dari upaya pendampingan ini. Kegiatan ini difokuskan pada pelaku UMKM yang berlokasi di kecamatan tertentu di Kota Bengkulu. Pendampingan dilaksanakan dalam rentang waktu antara 1 Juli hingga 1 November 2023, yang melibatkan 11 pelaku usaha. Melalui kurasi dan sosialisasi self declare, sebanyak 10 UMKM memenuhi persyaratan yang ditetapkan. Hingga akhir Oktober, telah terbit 10 sertifikat halal yang dikeluarkan oleh Majelis Ulama Indonesia (MUI) berdasarkan hasil pendampingan.
THE THE INFLUENCE OF TECHNICAL ANALYSIS, RELATIVE STRENGTH INDEX (RSI) AND MOVING AVERAGE (MA) ON STOCK PURCHASE DECISIONS : Case Study on The Sharia Capital Market in Bengkulu City Mulya Rasyid, Leonardo Duarsie; Setiawan, Romi Adetio; Polindi, Miko
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.9088

Abstract

Sharia capital markets have developed in various countries, each with its own unique investment characteristics. In this context, stock investment decisions in the Sharia capital market can be influenced by various factors. The objective of this study is to determine the effect of technical analysis (X1), the relative strength index (X2), and the moving average (X3) on stock purchase decisions (Y) in the Sharia capital market in Bengkulu City. To test this, the study used a quantitative method with primary data collection techniques in the form of questionnaires distributed to 100 respondents. The data analysis technique used was multiple linear regression using SPSS version 25.0. From the results of the research and discussion, it was found that technical analysis, relative strength index and moving average influenced stock purchasing decisions as indicated by the results of the T test, namely, technical analysis t-count value > t-table (2.115 > 1.660), relative strength index t-count value > t-table (5.600 > 1.660), moving average t-count value > t-table (4.537 > 1660), based on the results of the F test, the results obtained were 65.9% of stock purchasing decisions were influenced by these three factors while 34.1% were determined by other factors.
PERSEPSI KARYAWAN BPRS MASLAHAT DANA SYARIAH NUSANTARA TERHADAP FASILITAS DALAM MENINGKATKAN KEPUASAN KERJA YANG BERBASIS PADA PRINSIP-PRINSIP SYARIAH Aulia, Titi; Setiawan, Romi Adetio; Syaifuddin
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): 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.2025.vol8(1).21511

Abstract

Penelitian ini bertujuan untuk menganalisis persepsi karyawan BPRS Maslahat Dana Syariah Nusantara terhadap fasilitas kerja berbasis prinsip-prinsip syariah serta dampaknya terhadap kepuasan kerja . Metode penelitian yang digunakan adalah kualitatif dengan pendekatan fenomenologi, di mana data diperoleh melalui wawancara mendalam dengan karyawan. Hasil penelitian menunjukkan bahwa fasilitas kerja yang disediakan telah memenuhi prinsip keadilan, kebersihan, kenyamanan, serta dukungan spiritual sesuai dengan nilai-nilai syariah. Faktor-faktor seperti kebijakan perusahaan, penghargaan terhadap kontribusi karyawan, dan dukungan terhadap pengembangan diri juga berperan dalam membentuk persepsi karyawan terhadap fasilitas kerja. Fasilitas berbasis syariah yang diterapkan berdampak positif terhadap kepuasan kerja, meningkatkan motivasi, loyalitas, serta produktivitas karyawan. Penelitian ini diharapkan dapat menjadi masukan bagi manajemen dalam meningkatkan kualitas fasilitas kerja yang selaras dengan prinsip syariah guna menciptakan lingkungan kerja yang harmonis dan produktif.
Efektivitas Pengelolaan Dokumen Dalam Meningkatkan Pelayanan Jamaah Haji (Studi Kasus di Kantor Wilayah Kementerian Agama Provinsi Bengkulu) Kurniyasih, Binda; Setiawan, Romi Adetio; Afrianty, Nonie
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11898

Abstract

Penelitian ini bertujuan untuk mengevaluasi efektivitas pengelolaan dokumen dalam meningkatkan pelayanan jamaah haji di Kantor Wilayah Kementerian Agama Provinsi Bengkulu, serta mengidentifikasi faktor-faktor penghambat dan pendukung yang memengaruhi efektivitas pengelolaan dokumen tersebut. Metode penelitian yang digunakan adalah kualitatif deskriptif, dengan pengumpulan data melalui observasi, wawancara, dan dokumentasi. Data yang terkumpul dianalisis untuk memberikan jawaban terhadap pertanyaan penelitian. Hasil penelitian menunjukkan bahwa pengelolaan dokumen untuk pelayanan calon jamaah haji di Kantor Wilayah Kementerian Agama Provinsi Bengkulu telah berjalan efektif dan efisien sesuai standar efektivitas menurut Peter F. Drucker. Prosedur pelayanan yang ditetapkan oleh Badan Pusat Statistik (BPS), Direktorat Jenderal Penyelenggaraan Haji dan Umrah, serta Standar Operasional Prosedur (SOP) yang dibuat oleh Ketua Tim Kerja Penyelenggaraan Haji dan Umrah di Kementerian Agama Provinsi Bengkulu telah diikuti dengan baik. Pelaksanaan pengelolaan dokumen haji tidak terlepas dari peran penting para petugas yang bekerjasama dan menjaga komunikasi yang baik. Meskipun terdapat sedikit hambatan dalam proses pengelolaan dokumen, namun faktor pendukung seperti tenaga operasional yang memadai dan sarana-prasarana yang dimiliki oleh Kantor Wilayah Kementerian Agama Provinsi Bengkulu mampu mengatasi hambatan tersebut dengan baik.
Korelasi Antara Gaya Hidup Hedonis dan Perilaku Konsumtif di Kalangan Mahasiswa dalam Perspektif Ekonomi Syariah Hadi, Kartika Candra Kirana; Setiawan, Romi Adetio; Yustati, Herlina
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.1676

Abstract

The aim of this study is to evaluate the influence of hedonistic lifestyles on consumer behavior among university students while analyzing the Islamic perspective regarding this behavior. Hedonism, as a lifestyle choice, captivates the interest of young individuals by offering a luxurious, comfortable, and abundant way of life without requiring substantial effort. Employing a quantitative method and applying Probability Sampling among 200 students, the research extracted a sample size of 115 individuals. The research findings illustrate a positive correlation between hedonistic lifestyles and consumer behavior, evidenced by the positive coefficients within the analysis. The more prevalent the hedonistic lifestyle, the more pronounced the consumer behavior becomes. A significant portion of the student community tends to be influenced by hedonistic tendencies, emphasizing pleasure over essential needs, consequently leading to consumer behavior. The activities, interests, and perspectives of the majority of students do not entirely align with the principles of Islamic economics, which emphasize the necessity for rational needs aligned with the Islamic sharia, as stated in the Quran (Al-A'raf verse 31). This signifies that the orientation of needs driven by hedonistic lifestyles contradicts the principles of Islamic economics that emphasize needs in line with positive values within Islamic teachings.
EDUKASI PRODUK PEGADAIAN SYARIAH BAGI PELAKU UMKM DI KAMPUNG BAHARI BENGKULU Dalimunthe, Lisnawati; Hasibuan, Helvina Samaria; Ramadhani, Astri Windi; Setiawan, Romi Adetio
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2024): Volume 5 No. 3 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i3.30397

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui tingkat literasi masyarakat sebelum dan sesudah diterapkan sosialisasi produk pegadaian syariah di Kampung Bahari khususnya bagi pelaku usaha kecil yang belum mengetahui cara mendapatkan akses pembiayaan yang resmi dan berdasarkan prinsip syariah. Metode yang dilaksanakan dalam penelitian ini yaitu FGD dan sosialisasi langsung kepada masyarakat. Hasil penelitian menunjukkan bahwa sebelum pelaksanaan kegiatan, tingkat pemahaman masyarakat Kampung Bahari mengenai produk Pegadaian Syariah hanya mencapai 40%. Namun, setelah program sosialisasi, tingkat literasi mengenai pembiayaan syariah meningkat menjadi 80%. Selain meningkatkan pengetahuan mengenai produk pegadaian syariah melalui sosialisasi dan edukasi, program ini juga dilanjutkan dengan pendampingan bagi pelaku usaha kecil yang berminat untuk mendapatkan tambahan modal usaha melalui produk Pegadaian Syariah. Model kegiatan berupa FGD dan sosialisasi ini dapat dijadikan pedoman bagi para praktisi dalam meningkatkan promosi literasi keuangan syariah dan pemasaran. Penelitian ini memberikan kontribusi penting dalam meningkatkan kesadaran dan pengetahuan masyarakat Kampung Bahari, Bengkulu tentang produk Pegadaian Syariah, serta memberikan solusi nyata dalam memfasilitasi akses pembiayaan yang sesuai dengan prinsip syariah bagi pelaku usaha kecil.
APLIKASI ANALISIS TEKNIKAL DALAM MENINGKATKAN POTENSI KEUNTUNGAN INVESTOR DENGAN MOVING AVERAGE DAN CANDLESTICK Anggraini, Septi; Setiawan, Romi Adetio; Indra, Yetti Afrida
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14558

Abstract

This research aims to determine whether technical analysis, using moving average and candlestick indicators, can simultaneously influence investors' profit potential. The population in this study consists of FEBI students who opened an account in 2021, with a sample size of 71 students. The research employs a quantitative method with an associative quantitative approach. Data collection was conducted through questionnaires. The data analysis technique used is multiple linear regression to test the research hypothesis, utilizing the t-test and F-test with the SPSS 16 for Windows software application. The research results indicate that the technical analysis variables (X1), moving average (X2), and candlestick (X3) have a simultaneous influence on potential investment profits, confirming that the hypothesis is accepted.
PENGARUH PEMBERITAAN KASUS PENIPUAN UMROH TERHADAP MINAT MASYARAKAT DALAM MEMILIH BIRO PERJALANAN UMROH Selpi, Selpi; Setiawan, Romi Adetio; Makmur, Makmur
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.v8i4.15270

Abstract

The Umrah pilgrimage is an appropriate choice for Muslims to visit the Baitullah, in Mecca, but the prevalence of Umrah fraud cases has caused trauma among pilgrims in selecting Umrah travel agencies. This research aims to assess whether there is an influence of reporting on Umrah fraud cases on public interest in choosing Umrah travel agencies in Linggae Lintang, South Sumatra. To test this hypothesis, the researchers employed a quantitative descriptive method with a sample of 70 respondents. The data analysis technique used was simple linear regression with the assistance of SPSS software. The results of the study indicated that there is a significant influence of reporting on Umrah fraud cases on public interest in choosing Umrah travel agencies.
STRATEGI MEMPERTAHANKANKAN USAHA PEDAGANG DI TENGAH PERKEMBANGAN ERA (E-COMEMMERCE) MENURUT PERSPEKTIF ISLAM PADA PEDAGANG PASAR TRADISIONAL MODERNT (PTM) KOTA BENGKULU Hanipah, Mei Alfiani; Setiawan, Romi Adetio; Syaifuddin, Syaifuddin
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.v8i4.16162

Abstract

This research aims to find out the survival strategies of traders in modern traditional markets (Ptm) amidst the rise of online shopping (e-commerce) and to find out survival strategies according to an Islamic perspective. This research uses descriptive qualitative methods for SWOT with primary and secondary data sources. The results obtained from the SWOT analysis show that the position of the modern market in Bengkulu City is strong, so the recommended strategy is the SO strategy, namely utilizing support from the government, maintaining product quality, maintaining good working relationships, costs, low production and expanding the network. Forms of competition that exist in the modern traditional market in Bengkulu City include competition on price, location, service quality and product completeness. And the strategy carried out by the modern traditional market according to an Islamic perspective is in accordance with the marketing management strategy in Islam, namely being honest in explaining goods and promoting goods, being fair in setting prices.