Garuda - Garba Rujukan Digital

STRATEGI PERBANKAN SYARIAH DALAM MENYOKONG INDONESIA MENJADI TREND SETTER INDUSTRI HALAL Yustati, Herlina; Handayani, Disfa Lidian
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 1 (2017)
Publisher : Institut Agama Islam Bengkulu

Abstract: This paper is the result of research on several literatures encountered to provide solutions how the strategy that can be applied by sharia banking that started developing in Indonesia in developing halal industry in Indonesia. Indonesia is a country with the largest Muslim majority in the world. Muslims are a potential market in developing the current halal industry. Because Islam regulates every aspect of human life especially from the consumption sector. Consumption is broadly defined as utilizing every product. There are four major sectors which are great opportunities in developing halal industry namely, food industry, pharmaceutical industry, fashion industry and tourism industry. Islamic banking can have a role in developing the four sectors, including Cooperation with companies that will issue products with halal labeling to financially use sharia banking, syariah banking can develop sharia debit card and sharia card to facilitate the tourists to access youth syariah tourism, sharah perbnakan can provide financing for entrepreneurs in the field of syariah tourism, fashion and pharmaceutical products to develop their business which ultimately helped improve the halal industry in Indonesia.Keywords: Â Halal Industry, Sharia Bank

KONTRIBUSI E-WOM TERHADAP PERILAKU KONSUMTIF Yustati, Herlina
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018)
Publisher : Institut Agama Islam Bengkulu

This article starts from Laila Hifziati's research stating that in addition to being the most up-to-date promotional tool, eWOM culinary on Instagram has formed a consumptive culture. Starting from this study, this study aims to determine how much eWOM contributes through the shopee platform (Shopee platform dominates mobile applications and ranks first as the most popular shopping application on the Android and IOS platforms) on the consumptive behavior of Bengkulu IAIN students. Before knowing the size of the contribution, the results of the study show that e-Wom has a positive effect on consumptive behavior, that is, the more frequent e-Wom is used in Shopee applications, the more consumptive behavior will be. While the amount of e-Wom's contribution to consumptive behavior is 42.7%, while 57.3% is influenced by other factors

Implementasi Manajemen Risiko berdasarkan PBI No. 13/23/PBI/2011 Studi: Produk Ijarah Multijasa pada PT. BPRS ADAM kota Bengkulu Yuliza, Meli; Hak, Nurul; Yustati, Herlina
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.v6i2.5559

The purpose of this study was to determine how the application ofÂ risk management in Ijarah Multijasa products at PT. BPRS ADAM. The research method used is a qualitative method with data collection techniques through interviews with 8 respondents and direct observation to PT BPRS Adam. Then the data is described, analyzedÂ and discussed to answer the problems posed. From the results of this study it was found that the application of risk management based on PBI No. 13/23 / PBI / 2011 on Ijarah Multijasa products at PT. BPRS Adam is in line

MODEL FOR EMPOWERMENT OF COASTAL FISHERIES PRODUCTS IN JAKAT BEACH, BENGKULU Asnaini, Asnaini; Yustati, Herlina; Harpepen, Andi
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 2 (2022): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i2.6230

Abstrak: Penelitian ini bertujuan untuk membuktikan bahwa pemberdayaan pada masyarakat pesisir (Nelayan) dengan ide dan inisiatif masyarakat sendiri lebih efektif dibandingkan dengan pemberdayaan yang bersifat top-down yang dilakukan oleh Pemerintah. Mengambil lokasi penelitian di Pantai Jakat Kota Bengkulu peneliti membentuk kelompok pemberdayaan istri nelayan yang beranggotakan 10 orang dengan kegiatan pengolahan ikan bleberan sebagai bahan baku makanan pempek, sempol, dan tekwan. Menggunakan metode Participatory Rural Appraisal (PRA) dimana masyarakat sasaran terlibat langsung sebagai subyek dalam seluruh kegiatan penelitian. Kegiatan menekankan pada partisipasi anggota kelompok dan Peneliti sebagai fasilitator/ pendamping. Pendampingan dilaksanakan selama 4 (empat) bulan, dengan kegiatan (1) mengidentifikasi masalah dan memutuskan bentuk usaha yang akan dilakukan; (2) melaksanakan kegiatan; (3) mengevaluasi; dan (4) melakukan kembali. Program pemberdayaan belum selesai karena masih banyak mimpi-mimpi kelompok istri nelayan ini yang harus diwujudkan. Proyek pemberdayaan memang tidak akan pernah selesai, karena membangun sebuah masyarakat harus dilakukan terus menerus, dan akan berakhir jika dunia berakhir. Hasil penelitian menunjukkan bahwa partisipasi dan motivasi para istri nelayan seiring waktu semakin tinggi, sedangkan para nelayan (bapak-bapak) menyerahkan kepada para istri saja. Sudah ada muncul inovasi dan tambahan kegiatan di bidang sosial/keagamaan, marketing, dan penguatan kelompok. Pembicaraan target dan mimpi ke depan. Kata kunci: Model Pemberdayaan, Hasil Perikanan, Masyarakat Pesisir Abstract: This study aims to prove that empowerment of coastal communities (fishers) with their ideas and initiatives is more effective than top-down empowerment carried out by the local government. The location of this study is in Jakat Beach, Bengkulu City, the researchers formed a fisherman's wife empowerment group consisting of 10 people with bleberan fish processing activities as raw materials for Pempek, Sempol, and Tekwan food. Using the Participatory Rural Appraisal (PRA) method where the target community is directly involved as a subject in all research activities. The activity emphasizes the participation of group members and researchers as facilitators/companions. Mentoring is carried out for 4 (four) months, with activities (1) identifying problems and deciding the form of business to be carried out; (2) carrying out activities; (3) evaluating; and (4) re-doing. The empowerment program has not yet been completed because there have still been many dreams of this group of fishermen's wives that must be realized. Empowerment projects will never be finished, because building a community must be done continuously, and will end when the world ends. The results show that the participation and motivation of the fishermen's wives increase over time, while the fishermen (fathers) leave it to their wives only. There have been innovations and additional activities in the social/religious fields, marketing, and group strengthening, talk of targets and dreams ahead. Keywords: Model Empowerment, Participatory Rural Appraisal, coastal communities

The Role of Financial Literacy on Student Investment Choices Wahyunita Sari, Sherly; Putri Pebrianti, Dini; Threy Wahyu, Agung; Yustati, Herlina
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 2 (2023): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i2.1120

The purpose of this study was to determine and measure the impact of the level of financial literacy on the investment choices of students. This study is qualitative descriptive or describes the results of interviews into valid data, data collected based on the results of observation, questionnaires, and direct interviews with students of the faculty of economics and islamic business, uin fatmawati sokarno bengkulu. The results of this study indicate that financial literacy has a significant impact on student investment decisions. The higher the financial literacy possessed by students, the better the investment decisions that will be taken by students.

Development of Digital MSMEs in Facing the Era of Digitalization in the Bengkulu City Area Hakim, Lukman; Puspa Wulandari, Jenny; Khadafi, M. Prayudha; Yustati, Herlina
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 3 (2023): October
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i3.1130

Digital transformation is essential for today's growing business world because it can shorten time, money, and reduce funds. However, it can also be a challenge if businesses do not adapt to change. To overcome this, it is important to take an optimistic and proactive stance. Bengkulu City, one of the major cities in Indonesia, has considerable potential for the development of MSMEs (Municipal Unit). However, there are still many MSMEs that have not utilized digital technology optimally, posing a threat to both the local government and MSME players. Factors that influence digitalization include the ease of conducting business transactions online, the need for business expertise, and profitability. To overcome these problems, the business world needs to adapt to the digital era by utilizing information and telecommunications technology in carrying out its business activities. The transition to rapid digitalization requires businesses to adapt and adjust to change. For MSMEs, the digitalization process requires many steps to encourage digitalization and make it easier for them to adapt. The increasing use of digital and the internet is a big challenge for MSMEs if they want to succeed in the business world. Strategies to overcome this include increasing digital literacy among MSME users, promoting digital literacy among MSME users, and promoting digital literacy among MSME users.

Mahasantri's Interest in Investing Gold Tubes at Sharia Pawnshops Ainurrahmi, Winda; Citra Wardani, Anggun; Jaka Prima, Arief; Yustati, Herlina
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 2 (2024): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i2.1196

College students are a millennial generation with a high level of religiosity. As a millennial generation, they should have the intelligence to manage their finances and life management. One way that can be done is by investing. An investment that is easily made by Mahasantri is a gold tube investment. Where the price is affordable for student pockets and has less risk because the price of gold will continue to rise in the future. This research is field research with a qualitative approach. The type of this research is descriptive, with a population of Ma'had Al-Jami'ah UIN FAS Bengkulu students and a sample of 10 randomly selected students. The results of this study indicate that the mahasantri's interest in investing in gold tubes in Islamic pawnshops is influenced by several factors, namely knowledge, perceived convenience, and risk.

The Significance of the Development of the Salted Fish Industry for Community Economic Growth from an Islamic Economic Perspective (Study on Baai Island, Kampung Melayu, Bengkulu City) Novia Sari, Yuyun; Yustati, Herlina; B, Idwal
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1204

This research was conducted on Baai Island, Malay Village, Bengkulu City. The purpose of this study was to determine the Significance of the Development of the Salted Fish Industry for the Growth of the Community Economy in the Perspective of Islamic Economics. This research is qualitative. Data collection methods through interviews with sellers, workers, and buyers of salted fish in the baai island area. Based on the formulation of the problem in this study, namely: How is the development of the Baai Island salted fish processing industry and how is the impact of the development of the Baai Island salted fish industry on the economy of the community in the perspective of Islamic Economics? The research findings show that the business development carried out is through 2 methods online and in person. The impact of the development of this industry itself is the increased income of the community, the welfare of the Baai Island community, and the fulfilled needs of life.

MODEL FOR EMPOWERMENT OF COASTAL FISHERIES PRODUCTS IN JAKAT BEACH, BENGKULU Asnaini, Asnaini; Yustati, Herlina; Harpepen, Andi
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 2 (2022): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i2.6230

Abstrak: Penelitian ini bertujuan untuk membuktikan bahwa pemberdayaan pada masyarakat pesisir (Nelayan) dengan ide dan inisiatif masyarakat sendiri lebih efektif dibandingkan dengan pemberdayaan yang bersifat top-down yang dilakukan oleh Pemerintah. Mengambil lokasi penelitian di Pantai Jakat Kota Bengkulu peneliti membentuk kelompok pemberdayaan istri nelayan yang beranggotakan 10 orang dengan kegiatan pengolahan ikan bleberan sebagai bahan baku makanan pempek, sempol, dan tekwan. Menggunakan metode Participatory Rural Appraisal (PRA) dimana masyarakat sasaran terlibat langsung sebagai subyek dalam seluruh kegiatan penelitian. Kegiatan menekankan pada partisipasi anggota kelompok dan Peneliti sebagai fasilitator/ pendamping. Pendampingan dilaksanakan selama 4 (empat) bulan, dengan kegiatan (1) mengidentifikasi masalah dan memutuskan bentuk usaha yang akan dilakukan; (2) melaksanakan kegiatan; (3) mengevaluasi; dan (4) melakukan kembali. Program pemberdayaan belum selesai karena masih banyak mimpi-mimpi kelompok istri nelayan ini yang harus diwujudkan. Proyek pemberdayaan memang tidak akan pernah selesai, karena membangun sebuah masyarakat harus dilakukan terus menerus, dan akan berakhir jika dunia berakhir. Hasil penelitian menunjukkan bahwa partisipasi dan motivasi para istri nelayan seiring waktu semakin tinggi, sedangkan para nelayan (bapak-bapak) menyerahkan kepada para istri saja. Sudah ada muncul inovasi dan tambahan kegiatan di bidang sosial/keagamaan, marketing, dan penguatan kelompok. Pembicaraan target dan mimpi ke depan. Kata kunci: Model Pemberdayaan, Hasil Perikanan, Masyarakat Pesisir Abstract: This study aims to prove that empowerment of coastal communities (fishers) with their ideas and initiatives is more effective than top-down empowerment carried out by the local government. The location of this study is in Jakat Beach, Bengkulu City, the researchers formed a fisherman's wife empowerment group consisting of 10 people with bleberan fish processing activities as raw materials for Pempek, Sempol, and Tekwan food. Using the Participatory Rural Appraisal (PRA) method where the target community is directly involved as a subject in all research activities. The activity emphasizes the participation of group members and researchers as facilitators/companions. Mentoring is carried out for 4 (four) months, with activities (1) identifying problems and deciding the form of business to be carried out; (2) carrying out activities; (3) evaluating; and (4) re-doing. The empowerment program has not yet been completed because there have still been many dreams of this group of fishermen's wives that must be realized. Empowerment projects will never be finished, because building a community must be done continuously, and will end when the world ends. The results show that the participation and motivation of the fishermen's wives increase over time, while the fishermen (fathers) leave it to their wives only. There have been innovations and additional activities in the social/religious fields, marketing, and group strengthening, talk of targets and dreams ahead. Keywords: Model Empowerment, Participatory Rural Appraisal, coastal communities

Beyond Documentation: Understanding Implementation Barriers of Halal Certification Among Micro and Small Enterprises Ariska, Nenda; Elwardah, Khairiah; Zaki, Khozin; Yustati, Herlina; Novita Sari, Kiki
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10771

This study examines the multifaceted challenges faced by Micro and Small Enterprises (MSEs) in implementing halal certification in Selebar District, Bengkulu City, Indonesia. Despite the mandatory halal certification requirement established by Law Number 33 of 2014, many MSEs have yet to comply with this regulation. Through qualitative field research involving in-depth interviews with 11 MSE owners, this study identifies three critical barriers to halal certification implementation. First, there is a significant knowledge gap among MSE actors regarding halal certification requirements and available support programs, particularly the government's free certification initiative (SEHATI). Second, MSEs face substantial documentation challenges, with none of the studied businesses possessing the required Business Identification Number (NIB), compounded by limited technological literacy that hinders the application process. Third, there is low awareness among MSE actors about the strategic importance of halal certification for business sustainability. The findings suggest that successful implementation of halal certification requires a comprehensive approach that addresses knowledge barriers, simplifies documentation requirements, and builds awareness through targeted education programs. This research contributes to understanding the practical challenges of implementing halal regulations at the micro-enterprise level and offers policy recommendations for improving certification adoption rates.

Title

Found 28 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 28 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 28 Documents
Search