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All Journal AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Journal of Enterprise and Development (JED) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah El-kahfi : Journal of Islamic economics Disclosure: Journal of Accounting and Finance Economic Reviews Journal Reinforce: Journal of Sharia Management International Journal of Islamic Economics (IJIE) BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Afrianty, Nonie
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Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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PERKEMBANGAN USAHA MIKRO SEBELUM DAN SESUDAH MEMPEROLEH PEMBIAYAAN MURABAHAH DARI BMT KOTA MANDIRI BENGKULU Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 1 (2018)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (554.874 KB) | DOI: 10.29300/ba.v3i1.1477

Abstract

businesses can develop with additional capital, so it is necessary to know whether there are differences in the development of micro-enterprises before and after obtaining murabahah financing from BMT Kota Mandiri Bengkulu. The types of data in this study are primary data and secondary data. Data collection techniques used were oral interviews and library research. In this study, 33 samples were taken with the Puposive sampling technique with the characteristics of financing customers who had run murabahah financing for at least six months. Data Analysis Techniques in the normality test using the Kolmogorov-Smirnov method and homogeneity test with the Levene method. on testing hypotheses using paired sample t-test parametric statistics. The conclusion of this study is that there are differences in the development of micro-enterprises before and after obtaining murabahah financing from BMT Kota Mandiri Bengkulu.
Analisis Kinerja Bank Pembiayaan Rakyat Syariah (Bprs) Di Provinsi Bengkulu Dengan Pendekatan Sharia Maqasid Index (SMI) Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (12.793 KB) | DOI: 10.29300/ba.v4i2.2260

Abstract

This study aims to analyze the performance of the BPRS by looking at how much the level of achievement maslahah (welfare) in the sharia maqasid as well as comparing the performance among Islamic People’s Financing Banks (BPRS) in Bengkulu Province with the Sharia Maqasid Index (SMI) approach. This research is a quantitative research with a descriptive approach. The population of this study is BPRS in Bengkulu Province which was recorded during the period March 2016 to March 2017. The sampling technique in this study was conduced by purposive sampling. The results of this study is BRRS Safir har superior performance with a value of 16,35% while BPRS Muamalat Harkat with a value of 15,64%. This show that BPRS Safir is a sharia banking institution that is not only profir oriented but there us education, justice and community welfare values that reflect the size of the non-profit benefits in accordance with the objectives of Islamic banks.
TINGKAT PERSAINGAN DAN EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA Afrianty, Nonie; Anto, Moh. Bekti Hendrie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 1 (2017)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1396.946 KB) | DOI: 10.29300/ba.v2i1.955

Abstract

Abstract :  The development of sharia banking in Indonesia can not be separated from its important  role  as  an  intermediary  institution  as  well  as  developing  the economy by channeling  funds for productive businesses, especially middle, small and micro entrepreneurs. Sharia banking that has a strategic role in funding for micro business is one of them is the Sharia Rural Bank (BPRS). Therefore, BPRS must operate efficiently to promote economic growth and competitiveness so as to survive in the face of tight financial industry competition in Indonesia. This research is conducted to analyze the level of competition / competition and efficiency of Sharia Rural Bank (BPRS) in Indonesia. The data used in this research is the financial report of 113 BPRS in Indonesia obtained from Bank Indonesia. The methods used to analyze the level of competition are Herfindahl-Hirschman Index (HHI) and Concentration Ratio (CR). The analysis of this level of competition includes three variables, including assets, Third Party Funds (DPK) and Financing. While the methods used to analyze the level of efficiency include two input variables and three output variables,  including  DPK,  Operational  Costs,  Financing  Disbursed, Current  Assets  and  Other  Operating  Income.Analisis  of  BPRS competition level in Indonesia in 2011-2015 shows that BPRS in Indonesia tend to experience competition or competition between BPRS and not controlled by several BPRS. While at the level of efficiency of BPRS in Indonesia 2011-2015 using Data Envelopment Analysis (DEA) approach resulted 5 (five) BPRS with efficiency value 1 or 100%. In addition, for SRBs in inefficient conditions the DEA method also provides a reference or reference in order to be able to achieve efficient conditions.Keywords: Competition,         HHI         and         CR,         Efficiency,         DEA,         SR
Minat Menggunakan E-Wallet pada Generasi Milenial dengan Pendekatan UTAUT (Unified Theory of Acceptance Use of Technology) Damayanti, Sindi Livia; Yani, Yepi; Asnaini, Asnaini; Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.3988

Abstract

This study aims to examine the influences of the factors contained in the UTAUT theory to the interest in using e-wallets for the millennials. This study used the analysis of Structural Equation Modeling (SEM) with SmartPLS software. The sample used is 100 millennials respondent in Kota Bengkulu. The sampling technique used was purposive sampling. The purposive sampling is used because this study requires certain criteria such as the age of the respondents in the birth range 1981-2000, using an e-wallet and live in Kota Bengkulu. The data collection technique used google form questionnaire and shared to millennials through social media such as WhatsApp, Instagram, and Facebook. The results of this study indicate that three of the factors in the UTAUT tested consisting of business expectations, social influences, and facility conditions have a positive and significant influences to the interest of the millennials to use e-wallets in Kota Bengkulu, while the performance expectation factor does not have a positive and Significant influences to millennials interest in using e-wallets in the Bengkulu City
Implementasi Lean Manufacturing dan Menghindari Tabdzir untuk Peningkatan Produktifitas dengan Minimasi Waste Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.4873

Abstract

This study aims to determine the causes of waste and minimize the causes of waste in the production process by using a lean manufacturing approach and analyzing it from an Islamic economic perspective. This type of research is field research with a qualitative approach. The informants of this study were the owner and 9 employees of the Saf'fana Furniture Store. The analysis technique used uses several tools, including VSM, Fishbone diagrams, Failure Mode and Effect Analysis. The results of this study indicate that the cause of the emergence of waste in the production process lies in the time of the drying process and repair of defective goods, the way to minimize it is to increase the stock of raw materials and increase worker discipline so that product defects do not occur, while in the perspective of Islamic economics the production process is classified as on tabzir because the time used to dry the raw materials and after the finished product must be repaired again on the defective goods, thus need creativity and discipline to workers
Analisis Kinerja Keuangan Berdasarkan Rasio Likuiditas dan Solvabilitas Pada PT. Bank Muamalat Indonesia Tbk Karlina, Honi; Idwal, Idwal; Afrianty, Nonie
Disclosure: Journal of Accounting and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v4i1.9623

Abstract

Financial performance is an analysis that is carried out to see to what extent a company has implemented and applied the rules of financial enforcement properly and correctly. By measuring financial performance, it can be seen the prospects of growth and development of the company. A company is said to be successful when it has achieved a certain set performance. The purpose of this research is to find out the financial performance based on the ratio of liquidity and solvency in the PT. Bank Muamalat Indonesia Tbk period 2018-2022. This type of research is descriptive research with a quantitative approach. The sample in this study is the annual financial report of Bank Muamalat for the period 2018-2022. Data collection techniques are documentation and library with data analysis using miscrosof exel software. The research results show the financial performance of PT. Bank Muamalat Indonesia based on the liquidity ratio for the 2018-2022 period is in the unhealthy category. This can be seen from the quick ratio indicator in 2018-2020 in the unhealthy category but in 2021 and 2022 the healthy category, the cash ratio value in the unhealthy category, the loan to deposit ratio in the unhealthy category, the assets to loan ratio in the healthy category in accordance with Bank regulations Indonesia. Financial performance of PT. Bank Muamalat Indonesia based on its solvency ratio for the 2018-2022 period is in the healthy category. This can be seen from the Primary Ratio indicator in the healthy category. The secondary risk ratio indicator is in the unhealthy category. The capital ratio indicator is in the healthy category in accordance with Bank Indonesia regulations
Waqf for welfare: A bibliometric analysis of research trends in Scopus-indexed journals Afrianty, Nonie; Asnaini, Asnaini; Bahril, Muthi Adilah
Journal of Enterprise and Development (JED) Vol. 6 No. 1 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i1.9480

Abstract

Purpose — This study aims to analyze the map and direction of research development in the field of waqf for welfare improvement in Scopus-indexed publications.Method — This research employs a quantitative approach. The population for this study consists of articles indexed by Scopus from 2014 to 2023, with a sample size of 77 articles focused on waqf for welfare improvements. The analysis technique applied in this study involves bibliometric analysis, utilizing the VOSviewer application.Result — The results indicate a rise in the average number of publications per year. The peak productivity in waqf for welfare themes occurred in 2019, with 15 studies identified. In the realm of research on waqf, cash waqf, and Malaysia emerge as the most prevalent themes for welfare improvement. Three clusters were identified: cash waqf for maximizing prosperity in society and economics, the opportunities and threats of cash waqf, and the beneficiaries of waqf, impacting not only individuals but also the state.Novelty  — This study represents the first bibliometric review focusing on the specific theme of waqf for welfare development, aiming to fill gaps in existing research.
OPTIMIZING CASH WAQF EDUCATION IN PROMOTING COMMUNITY WELFARE USING COMMUNITY BASED RESEARCH Ilahi, Muhammad Redo; Afrianty, Nonie; Bahril, Muthi’ ‘Adilah
Reinforce: Journal of Sharia Management Vol 3 No 1 (2024)
Publisher : Faculty of Islamic Economic and Business (FEBI), Sayyid Ali Rahmatullah State Islamic University (UIN SATU) Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/reinforce.v3i1.9142

Abstract

Waqf is one of the Islamic financial instruments with great potential, which can improve people's life quality. The purpose of this Community Service activity is to provide education about cash waqf to employees of the Religious Affairs Office of North Seluma District. In order to overcome the problems of the activities, researchers are taking steps to carry out direct socialization (face to face). The method of this community service is Community Based Research (CBR). The implementation of this community service activity is carried out by training using the lecture method in delivering material and pre-test and post-test methods as an effort to explore employees' level of understanding of the material presented before and after in accordance with indicators of increasing understanding. Based on the community service activities carried out, it can be concluded that the service program designed by the researcher has been implemented according to plan. Researchers obtained data from 15 KUA employees that changed significantly between before and after conducting cash waqf education for employees of the North Seluma District Religious Affairs Office. Employees of the North Seluma District Religious Affairs Office have knowledge about cash waqf and have the intention to start conducting cash waqf.
The Influence of Murabahah Financing and the Length of Financing Repayment on the Income of PNM Mekaar Syariah Customers in Bengkulu City Daulay, Tri Hennarti; Idwal B; Afrianty, Nonie
Jurnal Internasional Ekonomi Islam Vol 7 No 01 (2025): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v7i01.10309

Abstract

Introduction: Micro, small, and medium enterprises play a vital role in economic growth, but this is not supported by sufficient capital for business actors. Objective: This study aims to determine the effect of murabahah financing and the length of repayment of financing on the income of PNM Mekaar Syariah customers in Bengkulu City. Method: The researcher used a quantitative method with primary data collection techniques, including questionnaires distributed to 50 respondents. The data analysis method used was multiple linear regression analysis with the SPSS 27.0 program. Results: Results Based on the calculated t value for the financing variable (X1), 2.660> t table value 2.01174, and its significance is less than 0.05 (0.00 <0.05). Moreover, the results of the calculated t value for the variable Length of Financing Repayment (X2) 2.263> t table value 2.01174, and its significance is less than 0.05 (0.005 <0.05). From the results of the simultaneous test (F TEST), the calculated F value is 10.947 while the F table is known df1 = 2 and df2 = 47 with a confidence level of 95%, then the F table is 3.20. Therefore, the calculated F 10.947> F table 3.20, and the significance value is 0.001 (<0.05). This means there is a simultaneous influence between the amount of financing and the length of the financing repayment period on the income level of PNM Mekaar Syariah customers in Bengkulu City, Selebar District. Implications: This shows that improving the quality of halal certification services in Banda Aceh City can also increase business actors’ satisfaction
From Law to Practice: Assessing Productive Waqf Governance Under Indonesia’s Law No. 41/2004 Veronica, Cici; Arisandi, yosy; Afrianty, Nonie
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.422

Abstract

This study examines the implementation of Law No. 41 of 2004 on Waqf at the Muhammadiyah Mosque in Bengkulu City, focusing on governance gaps between local waqf management and the Indonesian Waqf Board (BWI). A qualitative case study was employed, with data collected through semi-structured interviews (8 nazirs and BWI officers), document analysis (financial reports, meeting minutes), and participant observation (3 plenary meetings). Thematic analysis followed Miles and Huberman’s (2020) interactive model. Key issues include: (1) Exclusive planning (100% of meetings excluded BWI, violating Article 43); (2) Nazir incompetence (78% lack management training); (3) Low asset productivity (15–40% utilization rates); and (4) Weak supervision (no BWI oversight). The study highlights systemic non-compliance with national laws and Islamic governance principles (e.g., shura). Comparatively, Malaysia’s corporate waqf models achieve 85% efficiency, suggesting adoptable reforms. Institutional reforms—collaborative planning, nazir capacity-building, and tiered supervision—are critical to align waqf management with Shariah and legal mandates, unlocking its socio-economic potential.
Co-Authors Ainurrahmi, Winda Apriani, Erni Arisandi, yosy Arisandy, Yosy Arisantika, Vioza Dwi Asnaini Asnaini, Asnaini Bahril, Muthi Adilah Bahril, Muthi’ ‘Adilah Damayanti, Sindi Livia Daulay, Tri Hennarti Elwardah, Khairiah Idwal B Idwal, Idwal Ilahi, Muhammad Redo Karlina, Honi MB Hendrie Anto Nurlara, Heni Nurul Hak PRATAMA, NOVALDI ARYA Putri lestari, Gita Putriana, Rista Verani, Reza Okta Veronica, Cici Wahyuni, Eka Sri Yani, Yepi