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All Journal Jurnal Tabarru': Islamic Banking and Finance Jurnal Ilmiah Edunomika (JIE) Indonesian Journal of Islamic Economics and Business Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Al-Ijtima: Jurnal Pengabdian Kepada Masyarakat Al-Muzdahir: Jurnal Ekonomi Syariah Sharia Economic and Management Business Journal (SEMBJ) Al-Ijtimā: Jurnal Pengabdian Kepada Masyarakat Journal of Ekonomics, Finance, and Management Studies
Mursalin, Supardi
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Peningkatan Pemahaman Siswa SMA Negeri 6 Pulau Enggano Melalui Edukasi Keuangan Dan Investasi Pasar Modal Herpazah, Miskia; Mursalin, Supardi; Indra, Yetti Afrida
Al-Ijtimā': Jurnal Pengabdian Kepada Masyarakat Vol 5 No 2 (2025): April
Publisher : Lembaga Penelitian, Publikasi Ilmiah dan Pengabdian kepada Masyarakat (LP3M)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/aijpkm.v5i2.239

Abstract

The low level of financial literacy among Indonesians, particularly in remote areas such as Enggano Island, poses a significant challenge in fostering a financially literate generation capable of managing personal finances wisely. According to data from the Financial Services Authority (OJK), financial literacy in the capital market sector in 2016 was only 4.40%, with financial inclusion reaching just 1.25%. This condition highlights the urgent need for continuous educational interventions, especially for youth in underdeveloped regions. This community service project aimed to improve students’ understanding of basic financial and capital market investment concepts at SMA Negeri 6 Pulau Enggano. Implemented through a structured approach—including preparation, the delivery of a Level 1 Capital Market School (SPM), and evaluation using pre-test and post-test methods—the program recorded a significant improvement in students' comprehension. The average pre-test score of 6.7 increased to 12.75 in the post-test, with an N-Gain Score of 74.72%, indicating a high category of improvement. Challenges such as students' limited time and low initial understanding were addressed through interactive methods and contextual analogies. This initiative not only positively impacted students’ financial literacy but also served as a practical educational model for the 3T (Frontier, Outermost, Disadvantaged) regions. Recommendations from this activity include periodic replication of the program, involvement of financial institutions such as OJK and BEI, and integration of financial education into the school curriculum. Ultimately, the goal is to ensure equal access to financial literacy across all regions, including remote areas like Enggano Island.
Analysis Of Stall Rental Practices in Terms of Islamic Economics (Study at Panorama Market Bengkulu City) -, Diah Sri Yuningsih; Mursalin, Supardi; Cahyono, Andi
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/w7m0rn17

Abstract

This research aims to find out how the practice of renting stalls is in the Panorama Market, Bengkulu City in terms of Islamic economics. This type of research is field research with a descriptive qualitative approach. The research object is the Panorama Market, Bengkulu City. Research data collection techniques using observation, interviews and documentation. The data analysis technique for this research is descriptive qualitative. Qualitative research process is carried out using deductive techniques. The results of the research found that the practice of renting stalls at the Panorama market in Bengkulu City, the use of stalls as objects of use by traders for selling. Processing of stall benefits is only carried out on a lease basis between Panorama Market UPTD and traders. The rental agreement is made verbally. The stall rental fee is charged to the trader or stall renter in the amount of IDR 23. 000 per month rental payments are made every month and will be taken directly by the Panorama Market UPTD. Implementing the agreement, as many as 70% of traders or stall renters neglected to pay rental fees, payments were made negligently, not according to the promised due date and were made continuously. so that it is detrimental to Panorama Market UPTD. There is injustice in fulfilling the rental payment agreement, because they do not carry out the rental payment agreement honestly (sidiq) and responsibly (amanah). Economic actors are not allowed to pursue personal gain if it harms other people
Pengaruh Pendapatan, Persepsi Risiko Dan Bias Overconvidence Terhadap Keputusan Berinvestasi Pada Pasar Modal Syariah: Studi Pada Idx Cabang Kota Bengkulu Agustina, Erti; Mursalin, Supardi; Hariyadi, Rizky
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/qprvhd38

Abstract

The purpose of this study is to find out and analyze the influence of income, risk perception, and overconfidence bias on the investment decisions of investors listed on the Indonesia Stock Exchange (IDX) in Bengkulu City. Investment decisions are an important aspect of the financial world, where various factors can influence a person in making decisions to invest. To test the influence of these three variables, this study uses a quantitative method with primary data collection techniques conducted through the distribution of questionnaires to 97 respondents who are IDX investors in Bengkulu City. The data obtained was then analyzed using multiple regression techniques with the help of the SPSS. Based on the results of the research and discussion, it was found that income did not have a significant influence on investment decisions, with a significance value of 0.063 which was greater than 0.05. Meanwhile, risk perception has a significant influence on investment decisions, with a significance value of 0.000 which is less than 0.05. In addition, the overconfidence bias also had a significant effect on investment decisions with a significance value of 0.007 which was smaller than 0.05. Thus, it can be concluded that risk perception and overconfidence bias have a significant impact on investors' investment decisions in the Islamic capital market, while income does not have a significant influence.
Pengaruh IPM dan Pengangguran terhadap Pertumbuhan Ekonomi dalam Perspektif Islam di Provinsi Bengkulu Fasmala Sari, Fina; Mursalin, Supardi; Putra Hasibuan, Rahmat
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.1777

Abstract

This study aims to determine how the economic growth of Bengkulu Province is influenced by the unemployment rate and the Human Development Index (HDI) from an Islamic economic point of view. If HDI measures the quality of human resources in terms of living standards, education, and health, then unemployment shows how effective the use of labor in a field is.  The time series of data from 2012 to 2023 obtained from the Bengkulu Province Central Bureau of Statistics (BPS) is the secondary data source in this study.  The method applied is Mixed Method. Multiple linear regression is the test used to analyze, along with hypothesis testing and classical assumptions, to determine the extent to which independent factors affect the dependent variable. The results showed that HDI had a partially negative and significant impact on economic growth, but had no significant effect on the unemployment variable. Unemployment and HDI together have a major impact on the economic growth of Bengkulu Province in 2012-2023. Therefore, increasing and reducing HDI is considered an important effort to realize fair and sustainable economic growth according to sharia principles because from the point of view of Islamic economics, economic development is measured by considering material aspects as well as the balance between the needs of the world and the hereafter.
Co-Authors -, Diah Sri Yuningsih Agustina, Erti Anike Putri Anugraha jaya, Wahyu Fasmala Sari, Fina Hariyadi, Rizky Harpepen, Andi Hartini, Kustin Herlisya, Luvia Herpazah, Miskia Indra, Yetti Afrida Maemunah Makmur Makmur, H. Putra, Fadilah Dwi Rahmat Putra Ahmad Hasibuan Reza, Makmur Saputri, Ika Sari, Ela Wilfa Satriawan Satriawan, Satriawan Stiawan, Evan Trisca, Nadia Veronika, Silvia Wiwik Handayani Yunitasari, Shelli