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All Journal Jurnal Ilmiah Universitas Batanghari Jambi EKONOMIS : Journal of Economics and Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Jurnal Manajemen dan Bisnis Jayakarta Community Engagement and Emergence Journal (CEEJ) Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Community Development Journal: Jurnal Pengabdian Masyarakat Muttaqien; Indonesian Journal of Multidiciplinary Islamic Studies Jurnal Fokus Manajemen ProBisnis : Jurnal Manajemen Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Innovative: Journal Of Social Science Research JSE: Jurnal Sharia Economica Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Setiawan, Romi Adetio
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ANALISIS KINERJA BANK MUAMALAT INDONESIA (BMI) DENGAN PENDEKATAN SYARIAH MAQSHID INDEX (SMI) WAHYUNI, DEPI PUTRI; SETIAWAN, ROMI ADETIO; MAKMUR, MAKMUR
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Juli-Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.9193

Abstract

This study aims to analyze and evaluate the performance of Bank Muamalat Indonesia (BMI) during the 2019–2023 period using the Sharia Maqasid Index (SMI). The research applies a descriptive quantitative approach with secondary data obtained from BMI’s annual reports. The analysis was conducted using the index number method developed by Mohammed et al. (2008), covering three maqasid shariah dimensions: Tahdzib al-Fard (individual education), Iqamah al-Adl (establishing justice), and Jalb al-Maslahah (realizing welfare). The results reveal that BMI’s performance remains fluctuating, with the highest score in 2022 (0.9210) and a significant decline in 2023 (0.4235). The justice dimension appeared as the strongest, while individual education and welfare showed persistent weaknesses due to the lack of sustainable human resource development, limited zakat and CSR distribution, and insufficient financing for the real sector. These findings indicate that BMI’s implementation of maqasid shariah has not been consistent and requires strategic improvement. The recommended strategies include consistent budget allocation for training and Islamic financial literacy programs, strengthening the role of the Sharia Supervisory Board to enhance transparency in financing, and expanding social contributions through zakat, CSR, and financing in productive sectors such as SMEs and the halal industry. By adopting these measures, Islamic banking is expected to become not only financially competitive but also socially relevant and sustainable.
MEKANISME RESTRUKTURISASI PEMBIAYAAN MURABAHAH UNTUK PEMULIHAN NASABAH BERMASALAH Gustina, Nia; Setiawan, Romi Adetio; Syaifuddin
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 2 (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(2).22485

Abstract

Penelitian ini bertujuan untuk mengkaji mekanisme restrukturisasi pembiayaan murabahah dalam upaya pemulihan nasabah bermasalah di PT. BPRS Maslahat Dana Syariah Nusantara Bengkulu. Permasalahan nasabah bermasalah menjadi tantangan serius bagi kelangsungan operasional bank syariah, terutama di tengah tekanan ekonomi yang mempengaruhi kemampuan bayar. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa restrukturisasi dilakukan melalui tiga mekanisme utama yaitu penjadwalan kembali (rescheduling), persyaratan kembali (reconditioning), dan penataan kembali (restructuring), yang seluruhnya dilaksanakan berdasarkan prinsip syariah tanpa mengandung unsur riba. Proses restrukturisasi dilakukan secara selektif dengan mempertimbangkan kondisi nasabah dan diawasi oleh Dewan Pengawas Syariah. Tantangan yang dihadapi bank mencakup kurangnya pemahaman nasabah, dampak ekonomi yang mempengaruhi kemampuan bayar, serta risiko moral hazard. Untuk mengatasi tantangan tersebut, bank menerapkan seleksi ketat, memberikan edukasi kepada nasabah, dan melakukan pemantauan pasca restrukturisasi guna memastikan efektivitas dan keberlanjutan program restrukturisasi.  
Pengaruh Digitalisasi Pengelolaan Zakat Terhadap Peningkatan Partisipasi Muzakki Rinaldi, Rival; Setiawan, Romi adetio; Syaifuddin, Syaifuddin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v11i1.8913

Abstract

This study aims to determine the effect of zakat management digitalization on the increase in muzakki (zakat payer) participation at BAZNAS (National Zakat Agency) of Bengkulu Province. The research was motivated by the growing need to utilize digital technology to enhance the efficiency and effectiveness of zakat management. A quantitative approach with an associative descriptive method was employed. Data were collected through observation, documentation, and questionnaires distributed to 30 muzakki who had used BAZNAS's digital services. Data analysis was conducted using the Partial Least Square (PLS) method with the SmartPLS software. The findings revealed that the digitalization of zakat management does not have a significant effect on increasing muzakki participation. This indicates that although digital systems have been implemented, they are not sufficient on their own to boost participation. Other factors such as trust, digital literacy, and personalized or educational approaches may have a more substantial impact. The study recommends that BAZNAS improve its communication strategies, digital education, and community engagement to maximize the effectiveness of digital platforms.
DAMPAK PENGGUNAAN TIKTOKSHOP TERHADAP GAYA HIDUP PADA GENERASI Z MENURUT PERSPEKTIF EKONOMI ISLAM (Studi Pada Mahasiswa Gen Z di Universitas Islam Negeri Fatmawati Sukarno Bengkulu) Ade Ihwani Harahap; Setiawan, Romi Adetio; Anwar Junaidi
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/469c3k54

Abstract

The development of social commerce through the TikTok platform has changed Generation Z consumption patterns, particularly in their impulsive online shopping behavior. This study aims to analyze the influence of TikTok use on the consumer lifestyle of Generation Z students and its impact on financial management, from an Islamic economic perspective. This study used a quantitative approach with a survey method. Data were obtained from 82 respondents, students from the Faculty of Islamic Economics and Business, Fatmawati Sukarno State Islamic University, Bengkulu, from the class of 2021 who actively use TikTok. Data analysis techniques used validity, reliability, normality tests, and partial t-tests using SPSS. The results showed that TikTok use had a positive and significant effect on the consumer lifestyle of Generation Z students. Furthermore, a consumer lifestyle had a significant effect on student financial management. A consumer lifestyle was also shown to mediate the influence of TikTok use on financial management. From an Islamic economic perspective, these findings indicate that uncontrolled consumer behavior has the potential to conflict with the principles of simplicity and wise wealth management. Therefore, it is necessary to increase Islamic financial literacy so that the use of TikTok Shop remains in line with Islamic values.  
Does Profitability Undermine Social Accountability? Evidence From Indonesian Islamic Banking Utami, Deby Liyana Putri; Setiawan, Romi Adetio; Hariyadi, Risky; Febrianti, Ledya; Kaemah, Muhammadtolan
Muttaqien Indonesian Journal of Multidiciplinary Islamic Studies
Publisher : Muttaqien Publishing, Lembaga Penelitian dan Pengabdian kepada Mayarakat (P3M) STAI DR. KH.EZ. Muttaqien Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52593/mtq.07.1.03

Abstract

This study analyses the influence of company size and profitability on Islamic Social Reporting (ISR) disclosure in Islamic Banks in Indonesia for the 2019-2023 period. Secondary data were collected from the annual reports of eight banks with a total of 40 observations. Company size was measured using the natural logarithm of total assets, profitability was measured by Return on Assets (ROA), and ISR was measured based on an index of 43 indicators across six disclosure themes. The results of multiple linear regression analysis show that company size has no significant effect on ISR, while profitability has a significant negative effect. Simultaneously, both variables significantly influence ISR, although they only explain 13.6% of the disclosure variation (Adj R² = 0.136). These findings indicate that ISR disclosure in Indonesian Islamic banking is not fully driven by economic factors but is more influenced by sharia commitment and other non-financial factors. Consequently, Islamic banks need to strengthen their social accountability as a manifestation of sharia integrity, not merely as a response to financial performance.
Pengaruh Dividend Yield, Dividend Payout Ratio (DPR), dan Earning Volatility terhadap Stock Price Volatility Periode 2020-2024 Putri, Safna Kurnia; Setiawan, Romi Adetio; Hartini, Kustin
Jurnal Ilmiah Universitas Batanghari Jambi Vol 26, No 1 (2026): Februari
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v26i1.6415

Abstract

This study aims to determine the simultaneous and partial effects of Dividend Yield, Dividend Payout Ratio, and Earnings Volatility on Stock Price Volatility through panel regression analysis using the Fixed Effects Model (FEM). This study uses a quantitative approach with panel data from companies listed on the Sri Kehati Index on the Indonesia Stock Exchange for the period 2020-2024. The results show that, partially, Dividend Yield and Dividend Payout Ratio have no significant effect on Stock Price Volatility, while Earnings Volatility has a significant effect on Stock Price Volatility. Simultaneously, the variables Dividend Yield, Dividend Payout Ratio, and Earnings Volatility significantly influence Stock Price Volatility in companies listed on the Sri Kehati Index on the Indonesia Stock Exchange for the period 2020-2024.
ANALISIS KUALITAS FITUR DAN LAYANAN TERHADAP KEPUASAN NASABAH DALAM PENGGUNAAN APLIKASI BYOND BY BSI Cahyati, Cici Mis; Setiawan, Romi Adetio; Harpepen, Andi
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 2 (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(2).23398

Abstract

Permasalahan keluhan nasabah terhadap aplikasi BYOND by BSI dapat mengakibatkan rendahnya rating di platform digital. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan an fitur layanan terhadap kepuasan nasabah dalam penggunaan aplikasi BYOND by BSI di Bank Syariah Indonesia (BSI) cabang Bengkulu. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 100 responden yang merupakan nasabah aktif. Teknik pengumpulan data dilakukan melalui kuesioner online, kemudian dianalisis menggunakan uji validitas, reliabilitas, regresi linier berganda, serta uji t dan F dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa kualitas layanan dan fitur layanan berpengaruh positif dan signifikan terhadap kepuasan nasabah. Simpulan dari penelitian ini adalah semakin tinggi kualitas dan fitur layanan yang diberikan, maka semakin tinggi pula tingkat kepuasan nasabah. Penelitian ini menyarankan agar BSI terus meningkatkan performa aplikasinya, baik dari segi teknis maupun pengembangan fitur, guna memperkuat loyalitas nasabah terhadap layanan digital perbankan syariah.
Implementasi Aplikasi “money manager” Dalam Pengelolaan Badan Usaha Milik Desa (BUMDES) Berdikari Angriawan, Danika; Setiawan, Romi Adetio; Harpepen, Andi
Community Engagement and Emergence Journal (CEEJ) Vol. 5 No. 1 (2024): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v5i1.4172

Abstract

Penelitian ini bertujuan untuk mengevaluasi penggunaan teknologi yang lebih canggih oleh anggota Badan Usaha Milik Desa (BUMDES). Saat ini, anggota BUMDES masih mengelola keuangannya secara manual menggunakan buku atau metode konvensional. Peneliti telah melakukan pengabdian masyarakat dengan memperkenalkan aplikasi manajemen keuangan “money manager” kepada enam anggota BUMDES sebagai sampel. Hasil pengabdian masyarakat menunjukkan bahwa BUMDES Desa Pagar Agung masih mengandalkan catatan keuangan manual atau pencatatan menggunakan buku. Penggunaan pencatatan manual tersebut sering mengakibatkan kesalahan dalam pengolahan transaksi, serta terjadinya kesalahan karena lupa mencatat laporan keuangan, yang mengakibatkan laporan keuangan menjadi tidak akurat atau tidak sesuai dengan yang diinginkan. Melalui pengabdian ini, ditemukan bahwa penggunaan aplikasi manajemen keuangan sangat memudahkan pencatatan keuangan, khususnya untuk unit dan Bendahara umum dalam BUMDES Desa Pagar Agung. BUMDES juga menunjukkan respons positif terhadap penggunaan aplikasi “money manager” untuk mempermudah pengelolaan keuangan mereka. Dengan adanya perubahan dari pencatatan manual menggunakan buku menjadi bentuk digital, BUMDES berhasil meningkatkan efisiensi dan akurasi dalam pengelolaan keuangan mereka.  
Co-Authors AA Sudharmawan, AA Ade Ihwani Harahap Afrianty, Nonie Aminuyati Anggraini, Septi Angriawan, Danika Anwar Junaidi Arief, Muhammad Ariska, Nenda Aten, Nurul Aulia, Titi Cahyati, Cici Mis Chatarina Umbul Wahyuni Dalimunthe, Lisnawati Debby Arisandi, Debby Febrianti, Ledya Gustina, Nia Hadi, Kartika Candra Kirana Hanif, Padlim Hanipah, Mei Alfiani Hariyadi, Risky Harpepen, Andi Hartini, Kustin Hasibuan, Helvina Samaria Indra, Yetti Afrida Kaemah, Muhammadtolan Kaemah, Tolan Kurniyasih, Binda Makmur Makmur Makmur Miko Polindi, Miko Mulya Rasyid, Leonardo Duarsie Nabila, Tasya Nurjana, Tia Anisa Nurwijayanti Putri, Safna Kurnia Ramadhani, Astri Windi Restu Mufanti, Restu Ricardo, Rado Rinaldi, Rival Saputra, Wahyu Agung Selpi, Selpi Stiawan, Evan Sumarni, Yenti Syaifuddin Syaifuddin Syaifuddin Utami, Deby Liyana Putri WAHYUNI, DEPI PUTRI WULANDARI YUSTATI, HERLINA Zaki, Khozin