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All Journal AKRUAL: Jurnal Akuntansi IJBE (Integrated Journal of Business and Economics) EKONOMIS : Journal of Economics and Business Shirkah: Journal of Economics and Business AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah El-kahfi : Journal of Islamic economics Disclosure: Journal of Accounting and Finance Economic Reviews Journal EKOBIS SYARIAH Innovative: Journal Of Social Science Research Reinforce: Journal of Sharia Management International Journal of Islamic Economics (IJIE) Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Afrianty, Nonie
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health 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): 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.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): 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.v4i2.2452

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.
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): 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.v6i1.2756

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
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): 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.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
Analisis Pengaruh Etos Kerja dan Pendampingan Terhadap Kesejahteraan Mustahik pada Program Zakat Produktif pada BAZNAS Provinsi Bengkulu Pratama, Novaldi Arya; Wahyuni, Eka Sri; Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): 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.v10i2.8400

Abstract

Pembangunan ekonomi bertujuan untuk meningkatkan taraf hidup yang layak dan kesejahteraan bagi masyarakatnya. Kesejahteraan mustahik adalah ketika seseorang atau kelompok penerima zakat (mustahik) dapat mencapai taraf hidup yang lebih baik dari sebelumnya Penelitian ini bertujuan untuk mengetahui pengaruh etos kerja pada kesejahteraan mustahik, mengetahui pendampingan berpengaruh pada kesejahteraan mustahik, etos kerja dan pendampingan secara bersama-sama mempengaruhi kesejahteraan mustahik pada program zakat produktif, faktor yang paling dominan mempengaruhi kesejahteraan mustahik pada program produktif, dan mengetahui seberapa besar pengaruh etos kerja dan pendampingan zakat terhadap bantuan kesejahteraan mustahik pada program zakat produktif. Penelitian ini menggunakan metode penelitian kuantitatif, dengan Teknik Partial Least Square (PLS) yaitu Uji Outer Loading, Uji Inner Loading. Sampel dalam penelitian ini sebanyak 30 mustahik, metode pengumpulan data menggunakan kuesioner. Hasil penelitian ini Pertama, kerja Etos berpengaruh secara langsung terhadap kesejahteraan mustahik. Kedua, Pendampingan Tidak berpengaruh terhadap kesejahteraan mustahik. Ketiga, Etos Kerja (X1) dan Pendampingan (X2) tidak berpengaruh terhadap kesejahteraan mustahik mustahik (Y). Keempat, Pendampingan usaha tidak memberikan dampak yang signifikan terhadap kesejahteraan mustahik, tetapi etos kerja memberikan dampak yang signifikan, Kelima, Etos kerja yang tinggi merupakan komponen penting dalam meningkatkan kesejahteraan mustahik Namun, ada beberapa jenis pendampingan tidak memberikan dampak yang signifikan terhadap kesejahteraan mustahik. Dengan estimasi pengaruh etos kerja sekitar 35%, sedangkan untuk pendampingan adalah < 5% dan sisa 60% lainnya dipengaruhi oleh variabel diluar penelitian.Kata Kunci: Zakat Produktif; Mustahik Kesejahteraan; Etos Kerja;Pendampingan; Mustahik
Pengaruh Literasi Keuangan Syariah dan Religiusitas Terhadap Perencanaan Keuangan Mahasantri Ma'had Al-Jami'ah UIN FAS Bengkulu Ainurrahmi, Winda; Elwardah, Khairiah; Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 1 (2025): 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.v10i1.7133

Abstract

Tujuan penelitian ini adalah untuk mengetahui seberapa besar pengaruh literasi keuangan syariah dan religiusitas terhadap perencanaan keuangan mahasantri Ma’had Al-Jami’ah UIN Fatmawati Sukarno Bengkulu. Penelitian menggunakan pendekatan kuantitatif dengan teknik pengumpulan data primer berupa angket yang disebarkan kepada 30 orang responden. Teknik analisis data yang digunakan adalah regresi berganda menggunakan program SPSS versi 26. Hasil penelitian ini menunjukkan bahwa literasi keuangan syariah berpengaruh signifikan terhadap perencanaan keuangan mahasantri Ma’had Al-Jami’ah UIN Fatmawati Sukarno Bengkulu dengan nilai signifikan sebesar 0,024. Religiusitas berpengaruh signifikan terhadap perencanaan keuangan mahasantri Ma’had Al-Jami’ah UIN Fatmawati Sukarno Bengkulu dengan nilai signifikan sebesar 0,027. Secara bersama-sama literasi keuangan syariah dan religiusitas berepengaruh signifikan terhadap perencanaan keuangan mahasantri Ma’had Al-Jami’ah UIN Fatmawati Sukarno Bengkulu dengan nilai signifikan sebesar 0,001.
Pengelolaan Dana Zakat, Infak dan Sedekah (ZIS) dalam Peningkatan Ekonomi Mustahik Putriana, Rista; Wahyuni, Eka Sri; Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023): 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.v8i2.5014

Abstract

ZIS funds are potential funds that can be used to build community welfare in the form of revolving (productive) funds. Management of ZIS funds is carried out through the Bengkulu Province National Zakat Agency (BAZNAS). It is known that the management of ZIS funds must reach a distribution stage that is productive, empowering and seeks to optimize the potential of mustahik. Distribution of ZIS funds can be carried out through various forms of providing business capital and business equipment to mustahik. BAZNAS issued regulations regarding zakat management through the Republic of Indonesia National Zakat Amil Agency Regulation Number 4 of 2018 concerning Reporting on the Implementation of Zakat Management. The research method used is a descriptive analytical method with a qualitative approach. The results of this research show that: 1) The ZIS fund collection system by BAZNAS Bengkulu Province is carried out using social media and payment of ZIS funds is carried out using an inter-bank transfer system and directly. 2) The distribution of ZIS BAZNAS funds in Bengkulu Province is carried out productively through business program capital (3) Standard monitoring of ZIS funds is carried out by means of a sharia audit which is a report every 6 months. From the results of research by interviewing ten mustahik people, it was found that productive management of ZIS funds can increase mustahik income before and after receiving ZIS fund assistance.
Implementasi Lean Manufacturing dan Menghindari Tabdzir untuk Peningkatan Produktifitas dengan Minimasi Waste Afrianty, Nonie; Verani, Reza Okta
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021): 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.v6i2.2807

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.
Peran Pasar Tradisional dalam Meningkatkan Perekonomian Perspektif Ekonomi Islam: Studi Pada Pasar SP 1 Arga Jaya Kabupaten Mukomuko provinsi Bengkulu Putri lestari, Gita; Hak, Nurul; Afrianty, Nonie
Economic Reviews Journal Vol. 4 No. 3 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i3.899

Abstract

This study aims to analyze the role of traditional market traders in improving the community’s economy from an Islamic economic perspective. The research focuses on traders at SP 1 Arga Jaya Market using a descriptive qualitative approach. Data were collected through interviews, observations, and documentation, and analyzed through data reduction, data presentation, and conclusion drawing. The findings reveal that traditional market traders significantly contribute to the local economy, particularly by providing employment opportunities, increasing income, and ensuring equitable access to basic goods. From the perspective of Islamic economics, trading activities in traditional markets reflect the principles of justice, transparency, and mutual assistance. Nevertheless, several challenges remain, such as limited capital and competition from modern markets. This study highlights that strengthening the role of traditional market traders through the application of Islamic values can serve as a key strategy to promote fair and sustainable economic development.
The Mechanism for Calculating the Nishab of Zakat for Civil Servants’ Income According to MUI Fatwa No 3 Year 2023 Asri, Juinda; Supardi, Supardi; Setiawan, Adi; Afrianty, Nonie
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.20370

Abstract

Civil servants are one of the subjects of zakat, which is called income zakat, and each zakat is issued if it has reached the nishab. The Indonesian Ulema Council regulates zakat in the MUI Fatwa Number 3 of 2003 concerning Zakat Income. The UPZ of the Regional Office of the Ministry of Religion of Bengkulu Province takes zakat on income every month from all groups of civil servants, even though some of the income of certain groups of civil servants has not reached the nishab. Determining the income nishab value is based on the Decree of the Chairman of BAZNAS No. 14 of 2021 concerning the income and services zakat nishab in 2021. The income nishab value is 85 grams of gold multiplied by IDR. 938,099,- amounting to Rp. 79,738,415,-. The research method used is descriptive analytical method with a qualitative approach. The results of this research show that: 1) the calculation of the zakat nishab on civil servant income applied by UPZ at the Regional Office of the Ministry of Religion of Bengkulu Province is taken from the basic salary of civil servants which is then paid out at 2.5% every month. 2) The calculation of the zakat nishab on civil servants' income by UPZ at the Regional Office of the Ministry of Religion of Bengkulu Province is not in accordance with MUI Fatwa Number 3 of 2003 because zakat is imposed on all groups of civil servants, zakat is taken from all gross income, and zakat is issued even though it has not yet reached the haul time.
Co-Authors Ainurrahmi, Winda Alkarim, M.Ghazy Amelia, Ayu Andang Sunarto Apriani, Erni Aqidah, Nurul Arisandi, yosy Arisandy, Yosy Arisantika, Vioza Dwi Asnaini Asnaini, Asnaini Asri, Juinda Bahril, Muthi Adilah Bahril, Muthi' 'Adilah Bahril, Muthi’ ‘Adilah Damayanti, Sindi Livia Daulay, Tri Hennarti Dhivi Lovika, Fitri Elwardah, Khairiah Fachry Abda El Rahman Febrila, Lilia Gina Halimah, Siti Nur Hariyadi, Rizky Herawati , Mesi Idwal B Idwal, Idwal Ilahi, Muhammad Redo Karlina, Honi Kurniyasih, Binda MB Hendrie Anto Nurlara, Heni Nurul Hak PRATAMA, NOVALDI ARYA Putri lestari, Gita Putriana, Rista Sekar Mayang, Sekar Setiawan, Romi Adetio Supardi Supardi Verani, Reza Okta Veronica, Cici Wahyuni, Eka Sri Wulandari, Ayu Dwi Yani, Yepi