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All Journal An-Nisbah: Jurnal Ekonomi Syariah Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam EKONOMIS : Journal of Economics and Business Jurnal Tabarru': Islamic Banking and Finance Jurnal Ilmiah Edunomika (JIE) Jurnal Manajemen dan Bisnis Jayakarta Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Bima Journal : Business, Management and Accounting Journal Al-Mu'awanah Jurnal Perbankan Syariah Darussalam (JPSDa) Mestaka: Jurnal Pengabdian Kepada Masyarakat Madani: Multidisciplinary Scientific Journal Sharia Economic and Management Business Journal (SEMBJ) An-Nisbah: Jurnal Ekonomi Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Jurnal Pengabdian Masyarakat (Z-COVIS)
YUSTATI, HERLINA
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Edukasi dan Pelatihan Prinsip Ekonomi Syariah dalam Pemanfaatan Minyak Jelantah sebagai Lilin Aromaterapi Dinanti, Septi Tri; Fitiyani, Yudia Gusti; Julianti, Alda; Yustati, Herlina; Hartini, Kustin
Mestaka: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 3 (2025): Juni 2025
Publisher : Pakis Journal Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58184/mestaka.v4i3.689

Abstract

This education and training program was held at RT 19, Bumi Ayu Village, Selebar District, Bengkulu City, with the aim of providing knowledge and skills to residents, especially housewives, in processing used cooking oil waste into aromatherapy candles that are marketable and environmentally friendly. This training uses an Asset-Based Community Development (ABCD) approach which focuses on utilizing local assets, and combines sharia economic principles such as justice, sustainability, productivity (al-i'mar), and benefit (al-maslahah). The training process includes asset mapping, how to make candles from used cooking oil, and digital marketing strategies via social media. The results of the activity showed an increase in participants' knowledge, technical skills and entrepreneurial motivation. The candle products produced not only help reduce household waste, but also create business opportunities that are halal, innovative and sustainable.
Analisis Pengaruh Literasi Ekonomi, Iklan, Kontrol Diri Dan Fomo Terhadap Pembelian Impulsif Pada Gen Z Anggraini, Tika Septi; Hak, Nurul; Yustati, Herlina
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3631

Abstract

This study aims to analyze the effect of economic literacy, advertising, self-control, and Fear of Missing Out (FOMO) on impulse buying in Generation Z in Bengkulu City. The research method used is quantitative with the Partial Least Square (PLS) approach with the SmartPLS 4 application, involving 86 Generation Z respondents aged 12-27 years in Bengkulu City who were selected through probability sampling techniques. The variables analyzed include economic literacy, advertising, self-control, and FOMO as independent variables, and impulse buying as the dependent variable. The results showed that economic literacy (t-statistic = 1.548; p-value = 0.122), advertising (t-statistic = 1.764; p-value = 0.078), and self-control (t-statistic = 1.897; p-value = 0.059) had no significant influence on impulse buying. This shows that although respondents have a good level of economic literacy, their consumption behavior is still influenced by emotional impulses. In contrast, FOMO has a significant positive influence (t-statistic = 3.872; p-value = 0.000), indicating that social pressure and the desire not to fall behind trends are the main drivers of impulse buying in Generation Z. From an Islamic perspective, this impulsive behavior contradicts the principles of consumption taught by Imam Al-Ghazali, namely balanced, beneficial, and non-excessive consumption. The conclusion of this study emphasizes that FOMO is a factor in impulse buying.
Effect Of Inclusion Financial And Capital Minimal On Investor Interest In Stock Investment Opitasari, Juitaselta Seltaopita; Wahyuni, Eka Sri; Yustati, Herlina
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 1 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.1.67-76

Abstract

Purpose: This study aims to analyze the effect of financial inclusion and minimum capital on investor interest in stock investment in Bengkulu City. Methodology: This study involved 99 Bengkulu City Investors listed on the Indonesia Stock Exchange in Bengkulu City, using calculation data from a questionnaire via Google Form. Data analysis used descriptive statistical analysis processed using SMART PLS 4.1.0.9. Results: financial inclusion and minimum capital have a positive effect on investor interest in stock investment. Novelty: This study focuses on investors in Bengkulu City, which may not have been widely studied, and combines financial inclusion and minimum capital as influencing factors, a perspective that has not been explored in depth in previous studies. Findings: Indicate that financial inclusion and minimum capital have a significant effect on stock investment interest. Originality: The originality of this study lies in testing the combination of financial inclusion and minimum capital, which has not been explored in depth in previous studies. Conclusion: This conclusion summarizes the main findings that indicate that financial inclusion and minimum capital have a significant effect on stock investment interest. Paper Type: Empirical Research paper.
Pendampingan Literasi Pasar Modal Syariah pada Galeri Investasi Edukasi (GIE) untuk meningkatkan Pengetahuan Gen-Z Hak, Nurul; Yustati, Herlina; Sari, Widya Wulan
Al-Mu'awanah: Jurnal Pengabdian kepada Masyarakat Vol 4 No 1 (2023): Juni 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/almuawanah.v4i1.15982

Abstract

The intention to invest began to grow among young people. 70% of millennials already know how to invest. The method used is Participation Action Research (PAR) which actively involves all relevant parties (stakeholders) in reviewing ongoing actions in order to make changes and improvements in a better direction. The purpose of this assistance is to increase Islamic capital market literacy in Generation Z at SMAN 07 Bengkulu City. Before the mentoring was carried out, the literacy level of the Islamic capital market at the Educational Investment Gallery (GIE) of SMAN 07 Bengkulu City was only 20%. Then at the end of the assistance, the Islamic capital market literacy level at GIE SMAN 07 increased to 65%. This is the output of mentoring activities in the form of a Level 1 Capital Markets School, Stocklab Education, and Training for Filling in the RDIS System.
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): 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.v6i2.2809

Abstract

The purpose of this study was to determine how the application of  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, analyzed  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.
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): 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.v2i1.952

Abstract

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:  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): 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.v3i2.1537

Abstract

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
The Effectiveness of “Wassam” in Improving Students’ Waqf Stock Literacy Harpepen, Andi; Yustati, Herlina
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.7203

Abstract

Purpose: This study aims to assess the effectiveness of the Wassam application in improving stock waqf literacy among students of the Faculty of Economics and Islamic Business (FEBI) at UIN Fatmawati Sukarno Bengkulu.Design/methodology: The research employs an experimental design with a one-group pretest-posttest model to measure changes in stock waqf literacy before and after using the Wasam application. A total of 30 students from the 6th semester were selected as the experimental group. Data were analyzed using the Simple Weighted Index method and JASP software.Findings: The results show a significant increase in literacy scores from 71.08 to 95.88, with a paired sample t-test yielding a p-value of <0.001, indicating a statistically significant improvement. This suggests that the Wasam application effectively enhances students’ understanding of stock waqf, supporting previous research and contributing to the development of digital-based waqf education.Practical implications: The findings highlight the potential of digital platforms in improving waqf literacy. The Wasam application can be used as an effective educational tool to increase awareness and understanding of stock waqf among students. Institutions can integrate such applications into their curriculum to further enhance financial literacy and digital waqf adoption.Originality/Value: This study contributes to the limited literature on digital waqf literacy by empirically evaluating the impact of the Wasam application. It provides a novel insight into how digital tools can enhance understanding and engagement with stock waqf, especially among university students.
Analisis Minat Investasi Gen-Z Terhadap Investasi di Pasar Modal Syariah (Studi Pada Mahasiswa UIN Fatmawati Sukarno Bengkulu) Yustati, Herlina; Harpepen, Andi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2707

Abstract

The research aims to determine the effect of the independent variables on the dependent variable. The independent variables are Islamic Investment Gallery (GIS), Financial Literacy, Minimum Capital, Technology, Social Media, while the dependent is Interest. Total 50 samples from students of the Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu, who were in the Z generation category. This type of quantitative research was used with a purposive sampling method. Multiple Linear Regression Analysis Techniques using the Statistical Product and Service Solution (SPSS) program. The results showed that the regression coefficient value of the Islamic Investment Gallery (X1) (0.023) <0.05, so that it has a positive and significant effect on investment interest. While the regression coefficient value of the Financial Literacy variable (X2) (0.199) > 0.05, so it has no positive and significant effect on investment interest. Likewise with the value of the regression coefficient for the Minimum Capital variable (X3); Technology (X4); and Social Media (X5) which has a sig value (0.075) > 0.05; (0.107) > 0.05; and (0.386) > 0.05. Meanwhile, simultaneously all the variables studied had a significant effect on Gen Z Investment Interest in the Faculty of Islamic Economics and Business, and had an effect of 81.5%. While the remaining 18.5% is influenced by variables not examined in this study.
IMPLIKASI STRATEGI PEMASARAN MELALUI KOMODIFIKASI AGAMA DI INDONESIA Yustati, Herlina
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2018)
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.v11i1.946

Abstract

Religion in Indonesia is divided into Muslim, Christian, Catholic, Hindu, Buddhist, Khong Hu Chu and Other Religions. Religion Islam is the majority religion embraced by the Indonesian population, so that business people use this opportunity to re-commodification of religion. Commodification describes how capitalism launched an aim to accumulate capital, or realize the transformation of use-value into exchange value. The commodification of Islam in Indonesia occurred in various aspects. Mislanya commodification "sharia" through aspects of banking, insurance, hotel, tourism, etc. The commodification of Islamic symbols such as headscarves and halal labeling. Besides being able to be used as a marketing strategy for businesses, komodiikasi Islam also bring positive things if businesses make this situation as a means of education. The impact of the commodification of Islam such as the increasing development of Islamic financial institutions in Indonesia, increased public awareness to abandon usury, increased public awareness using the "sharia", the increasing number of Muslim women who wear the hijab and the increasing awareness of Muslims to use halal products not only in food but also in cosmetics.
Co-Authors Ainurrahmi, Winda Alisah, Juliah Andang Sunarto Anggraini, Tika Septi Anisa Anggraini Ariska, Nenda Ary yanti, Pandary Asnaini Asnaini, Asnaini B, Idwal Citra Wardani, Anggun Desriani, Wiwit Dinanti, Septi Tri Disfa Lidian Handayani E, Eyicha Efendi, MS Elwardah, Khairiah Fitiyani, Yudia Gusti Hadi, Kartika Candra Kirana Harpepen, Andi Hartini, Kustin Hennarti Daulay, Tri Hidayah, Nischa Purnama Ihwani Harahap, Ade Jaka Prima, Arief Julianti, Alda Khadafi, M. Prayudha Khumairoh, Diah Lukman Hakim Muhammad Fikri Novia Sari, Yuyun Novita Sari, Kiki Nurhidayati, Dini Nurul Hak Opitasari, Juitaselta Seltaopita Pratiwi, Sophia Puspa Wulandari, Jenny Putri Pebrianti, Dini Radinansya, Regil Sari, Widya Wulan Seftiani, Neni Setiawan, Romi Adetio Sumarni, Yenti Susilawati, Sumita Threy Wahyu, Agung Tri Oktavianti, Laila Wahyuni, Eka Sri Wahyunita Sari, Sherly Wasisman, Zeti Agesti Yulia, Sandre Yuliza, Meli Zaki, Khozin Zaldi, Farhan