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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) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah 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 Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering 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.
Pemberian Diskon Pada Aplikasi T-Money Bank Bengkulu Perspektif Hukum Islam Sitorus, Iwan Ramadhan; Mursalin, Supardi; Ratri, Nofi Nurahma
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020)
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.v6i2.3558

Abstract

This study aims to determine the provision of discounts on transactions using the Bengkulu Bank T-Money Application in Islamic Law review. This type of research used in this research is qualitative, using descriptive methods. The results of this study found that the giving of discounts on the T-Money Bank Bengkulu application was given in the form of cashback during launching and events that were planned to be held periodically. The discount given at launch came from Bank Bengkulu and Telkom, while the discount for the event was fully borne by Bank Bengkulu. Giving discounts on the T-Money application of Bank Bengkulu with an Islamic legal perspective is that the contract in the implementation of T-Money is the Wadiahyad Dhamanah contract and giving discounts in the form of cashback by sharia provisions because, in the Wadiahyad Dhamanah contract, fund depositors are allowed to give bonuses to fund owners. Until now there has been no argument that prohibits the use of T-Money and in its use, there are problems for mankind.
Analisis Faktor-Faktor yang Mempengaruhi Keputusan Berinvestasi di Pasar Modal Syariah: Studi pada Mahasiswa Prodi Ekonomi Syariah UIN Fatmawati Sukarno Bengkulu Anike Putri; Mursalin, Supardi; Stiawan, Evan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.6868

Abstract

 The aim of this research is to determine the influence of internal factors and external factors on the decision to invest in the sharia capital market among students of the Sharia Economics Study Program at UIN Fatmawati Sukarno Bengkulu. To test this, researchers used quantitative methods with primary data collection techniques, namely questionnaires distributed to 130 respondents. The data analysis technique used is multiple linear regression analysis using Jeffrey's Amazing Statistics Program (JASP). From the results of the research and discussion it is known that internal factors influence the decision to invest in the Islamic capital market as shown by Tcount > Ttable with a value of 3,359 > 1,978 and a significance value of 0,001 < 0,05. External factors influence the decision to invest in the Islamic capital market, shown by Tcount > Ttable with a value of 5,727 > 1,978 and a significance value < 0.001 less than 0,05. Simultaneously, internal factors and external factors influence the decision to invest in the sharia capital market for students of the Sharia Economics Study Program at UIN Fatmawati Sukarno Bengkulu by 43,7% and the significant probability value is < 0,001 less than 0,05 and the Fcount > Ftable with a value of 51,103 > 3,07.
PENGARUH PENGETAHUAN, MODAL, DAN RISIKO INVESTASI TERHADAP MINAT INVESTAS MAHASISWA (Studi pada Mahasiswa Perbankan Syariah UIN Fatmawati Sukarno Bengkulu) Aulia, Huzaifah; Mursalin, Supardi; Hariyadi, Rizky
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14559

Abstract

This study aims to determine how much influence knowledge, capital, and investment risk have on students' investment demand. The population in this study is all Sharia Banking students of UIN Fatmawati Sukarno Bengkulu. With a sample of 86 students. The research method uses quantitative methods with an associative quantitative approach. The research instrument used is by distributing questionnaires. This research data analysis technique is multiple linear regression to test the research hypothesis using t test and f test using SPSS 16 For Windows Software application. The results showed that the variables of knowledge (X1), capital (X2), and investment risk (X3) had a positive and significant influence on students' investment interest. So it can be said that the hypothesis is accepted.
PEMANFAATAN MEDIA SOSIAL DALAM PENJUALAN PRODUK SR12 PERSPEKTIF EKONOMI ISLAM (Studi Strategi Pemasaran Elsko Store Bengkulu) Saputri, Ika; Mursalin, Supardi; Harpepen, Andi
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14741

Abstract

The aim of this research is to determine the marketing strategy for selling SR12 products via social media from an Islamic economic perspective. The method used is a qualitative method with a qualitative descriptive approach. Data collection techniques use field research. The data type consists of primary data and secondary data. Data analysis is carried out by recording and interpreting it, then analyzing it using a deductive mindset. The research results show that the marketing strategy used by Elsko Store Bengkulu is First, the products sold include skincare/cosmetics, bodycare, herbal products and children's products. Second, guaranteeing the availability of goods is always ready stock. Third, the prices sold on social media are the same as the prices sold in stores because they follow the company's SOP. Fourth, use a shipping expedition to send consumer orders. Fifth, utilize social media such as WhatsApp, Facebook, Instagram and TikTok. In an Islamic economic perspective, the marketing strategy used meets the characteristics of sharia marketing, namely: Saleh (Rabbaniyah), Ethical (Akhlaqiyyah), Realistic (Al-Waqiiyyah) and Humanist. Keywords : Marketing Strategy, Social Media, Islamic Economy
STRATEGI PEMASARAN DALAM PENINGKATAN CALON JAMAAH UMRAH (Studi Kasus AQM Tour and Travel Kota Bengkulu) Putra, Fadilah Dwi; Mursalin, Supardi; Stiawan, Evan
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15522

Abstract

The purpose of this writing is to find out how marketing strategies can increase the number of Umrah pilgrims at AQM Tour and Travel, Bengkulu city. To find out this, researchers used qualitative descriptive methods with data collection techniques and used observation, interview and documentation methods. From the research results, the marketing strategy for increasing the number of prospective Umrah pilgrims at AQM Tour and Travel in the city of Bengkulu is quite good and professional, starting from product planning, pricing, strategic locations and ways to promote products to prospective pilgrims. The strategy used by PT. AQM Tour and Travel Bengkulu City in marketing is the reference strategy or Marketing Mix (marketing mix). This strategy is part of a marketing strategy that follows theory and functions as a guide in using marketing elements that can be controlled by company leaders to achieve company goals in the field of marketing in AQM Tour and Travel, Bengkulu city.
Analisis Kualitas Pelayanan Perjalanan Jamaah Umrah Pada PT. Anugrah Quba Mandiri Kota Bengkulu Satriawan, Satriawan; Mursalin, Supardi; Makmur, H.
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15524

Abstract

This research aims to find out the quality of service provided by PT. Quba Mandiri's gift from Bengkulu City to Umrah pilgrims. The type of research used is field research (Field Research) with a qualitative approach. This research shows the results that Reliability, Responsiveness, Physical Evidence, Empathy and Credibility at PT. Anugrah Quba Mandiri has been said to be good because it has guided the Umrah pilgrimage series reliably, is responsive in serving administration, the facilities are as promised, cares for Umrah pilgrims by providing a sense of security free from danger and risk by providing accident and health insurance. and the credibility of PT. AQM needs to be improved again by looking at the financial transactions carried out by the congregation so that no party feels disadvantaged.
Co-Authors -, Diah Sri Yuningsih Agustina, Erti Anike Putri Anugraha jaya, Wahyu Aulia, Huzaifah Fasmala Sari, Fina Hariyadi, Rizky Harpepen, Andi Hartini, Kustin Herlisya, Luvia Herpazah, Miskia Indra, Yetti Afrida Maemunah Maemunah Makmur Makmur, H. Putra, Fadilah Dwi Rahmat Putra Ahmad Hasibuan Ratri, Nofi Nurahma Reza, Makmur Saputri, Ika Sari, Ela Wilfa Satriawan Satriawan, Satriawan Sitorus, Iwan Ramadhan Stiawan, Evan Trisca, Nadia Veronika, Silvia Wiwik Handayani Yunitasari, Shelli