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All Journal ILTIZAM Journal of Sharia Economic Research JOURNAL OF SCIENCE AND SOCIAL RESEARCH Jurnal Riset Terapan Akuntansi Jurnal Ilmiah Edunomika (JIE) Budimas : Jurnal Pengabdian Masyarakat Bertuah : Jurnal Syariah dan Ekonomi Islam Indonesian Journal of Islamic Economics and Business Jurnal Manajemen DIVERSIFIKASI Disclosure: Journal of Accounting and Finance Sharia Economic and Management Business Journal (SEMBJ) Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Hariyadi, Rizky
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implementasi Standar Operasional Prosedur Pada Costumer Service (Studi Pada Perbankan Syariah di Kota Bengkulu) Shar, Aan; Novrianda, Herry; Hariyadi, Rizky
Jurnal Manajemen DIVERSIFIKASI Vol. 1 No. 4 (2021)
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (330.467 KB) | DOI: 10.24127/diversifikasi.v1i4.1265

Abstract

Tujuan penelitian ini adalah untuk mengetahui implementasi pelayanan berbasis SOP pada perbankan syariah di Kota Bengkulu. Metode penelitian yang digunakan deskriptif kualitatif dengan teknik pengumpulan data primer berupa wawancara terhadap customer service selaku pihak yang pemberi layanan kepada nasabah. Teknik analisis data menggunakan konsep Miles dan Huberman. Hasil penelitian menunjukkan bahwa perbankan syariah di Kota Bengkulu telah menjalani SOP layanan customer service yaitu senyum, sampaikan salam, fokus pada nasabah dan menawarkan bantuan, inisiatif menggali kebutuhan nasabah, mampu menjelaskan produk dan fitur kepada nasabah, melakukan proses dan permintaan nasabah dengan cepat, akurat, selalu melakukan verifikasi dan komfirmasi, tanggapi permintaan nasabah dengan empati, menawarkan produk dan jasa lainnya (crosseling), menawarkan bantuan kembali, mengucapkan terima kasih dan ditutup dengan salam.
Meningkatkan Kinerja Karyawan: (Studi Mengenai Partisipasi Kerja dan Motivasi Kerja Pada Karyawan Koperasi Kota Bengkulu) Hariyadi, Rizky
Disclosure: Journal of Accounting and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v3i2.8418

Abstract

The background to this research focuses on the importance of employee performance in facing the challenges of globalization and increasingly fierce business competition. Superior employee performance has a positive impact on achieving company goals, innovation and organizational competitiveness. The two main factors that play a role in improving employee performance are work participation, which involves employees in making decisions and contributing ideas, and work motivation, which encourages employees to achieve goals and give their best effort in Bengkulu City cooperatives. The aim of this study is to examine whether work participation and work motivation influence employee performance either partially or simultaneously. This research is associative research with a quantitative approach. This sampling technique uses non-probability sampling. The sample for this research was 48 members of Koperasi Kartika Kota Bengkulu. While the data analysis technique ini this research used multiple regression analysis. The results of this research are that work participation has a positive but not significant effect on employee performance, while work motivation has a significant positive effect on employee performance. Meanwhile, work participation and work motivation simultaneously have a positive but not significant effect.
Business Feasibility Study Analysis in Islamic Economics Review (Study of Marketing and Operational Management Aspects in the Mischa Crackers Industry in Kampung Melayu District) Febriani, Sela; Hak, Nurul; Hariyadi, Rizky; Suherman
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.v4i3.1203

Abstract

The purpose of this writing is to find out how the feasibility of business in the Mischa cracker industry in Islamic economic review in the aspects of marketing and operational management. To find out this, researchers used descriptive qualitative methods with data collection techniques and used observation, interview and documentation methods. From the results of research and discussion, it is found that it has met all the criteria for business feasibility in marketing and operational management aspects when viewed based on general economic concepts. When viewed from an Islamic point of view, the marketing aspect still has business information defects, but the business can be said to be Islamically feasible when viewed from operational management.
Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah selama Pandemi COVID-Periode 2019-2021 Rosmelina, Helmi; Adetio Setiawan, Romi; Hariyadi, Rizky
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 1 (2024): 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/ijoieb.v9i1.2271

Abstract

This study aims to analyze the factors influencing the profit-sharing level of mudharabah deposits in Islamic commercial banks both partially and simultaneously during the COVID-19 pandemic in Indonesia from 2019 to 2021. The dependent variable in this study is the profit-sharing rate of mudharabah deposits, while the independent variables include Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation. The population comprises Islamic commercial banks operating in Indonesia that have published comprehensive financial reports during the vulnerable period from 2019 to 2021. Following the selection process, the target population consists of five banks, namely BCA Syariah Bank, Mega Syariah Bank, Panin Dubai Syariah Bank, Bukopin Syariah Bank, and Victoria Syariah Bank. The sampling method employed in this study is a nonprobability sampling technique using purposive sampling. The results indicate that both partially and simultaneously, the variables Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation significantly affect the profit-sharing level of mudharabah deposits. The Coefficient of Determination (R2) reveals that in this study, all independent variables contribute to the dependent variable by 60.9%. The remaining 39.1% is influenced by other variables not included in this study, such as Capital Adequacy Ratio (CAR), interest rates, and other factors.
PEMBERDAYAAN IBU-IBU PKK DENGAN MENERAPKAN METODE PARTICIPATORY LEARNING AND ACTION (PLA) MELALUI PROSES PRODUKSI DAN PEMASARAN SYARIAH DALAM MENGOLAH MINYAK JELANTAH MENJADI SABUN CUCI PIRING CAIR UNTUK MENINGKATKAN PENDAPATAN RUMAH TANGGA Dinata, Roza Lia; Wahyuni, Eka Sri; Hariyadi, Rizky
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 6, No 2 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i2.14304

Abstract

Pengabdian ini dilakukan di Desa Tanjung Aur II Kecamatan Pino Raya Kabupaten Bengkulu Selatan. Pengabdian ini bertujuan untuk mengeduksi dan memberikan pelatihan kepada ibu-ibu PKK, yang menjadi objeknya adalah ibu-ibu PKK Desa Tanjung Aur II. Dalam kegiatan pengabdian ini peneliti menggunakan metode Participatory Learning And Action (PLA). Fokus utama dari kegiatan ini adalah mengolah minyak jelantah menjadi sabun cuci piring, yang tidak hanya ramah lingungan tetapi juga memiliki nilai ekonomis. Metode PLA dalam program pengabdian masyarakat dilakukan dengan tahapan berikut: a. pra pelatihan, b. edukasi, c. pelatihan, d. evaluasi. Dari hasil penelitian dalam bentuk eduksi dan pelatihan terhadap ibu-ibu PKK Desa Tanjung Aur II dapat dikatakan berhasil memberikan pemahaman tentang proses produksi dan pemasaran syariah serta pemanfaatan limbah minyak jelantah. Terlihat dari antusias masyarakat dalam kegiatan edukasi dan pelatihan mendapatkan respon yang sangat baik dari khalayak sasaran dengan menumbuhan kesadaran masyarakat akan pemanfaatan minyak jelantah, sehingga masyarakat berminat untuk mencoba produk sabun cuci piring yang telah dihasilkan. Kata kunci: Proses Produksi, Pemasaran Syariah, Minyak Jelantah, Pendapatan Rumah Tangga.
Pengaruh Pemberian Tambahan Penghasilan Pegawai dan Pemahaman Etos Kerja Islam Terhadap Kinerja Pegawai pada Dinas Pekerjaan Umum dan Penataan Ruang Provinsi Bengkulu Marisa Putri, Leli; , Asnaini; Hariyadi, Rizky
Bertuah Jurnal Syariah dan Ekonomi Islam Vol. 6 No. 1 (2025): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jsie.v6i1.1057

Abstract

Kinerja pegawai merupakan hasil secara kualitas dan kuantitas yang dicapai oleh seorang pegawai dalam menjalankan tugasnya sesuai tanggung jawab yang diberikan, untuk mendapatkan hasil kerja yang baik yaitu dengan adanya pemberian Tambahan Penghasilan Pegawai dan mempertahankan etos kerja. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh Tambahan Penghasilan Pegawai dan pemahaman etos kerja Islam terhadap kinerja pegawai. Mengetahui apakah Tambahan Penghasilan Pegawai dan pemahaman etos kerja Islam secara simultan berpengaruh signifikan terhadap kinerja pegawai. Jenis penelitian ini menggunakan metode kuantitatif deskriptif dengan menyebarkan kuesioner kepada 67 responden pegawai Dinas Pekerjaan Umum dan Penataan Ruang Provinsi Bengkulu yang dipilih melalui teknik proportionate stratified random sampling. Data yang diperoleh dianalisis menggunakan teknik analisis linear berganda dengan bantuan aplikasi SPSS versi 21. Teknik analisis data yang digunakan adalah regresi linier berganda. Hasil penelitian menunjukkaan bahwa tidak terdapat pengaruh X1 terhadap Y dengan nilai signifikan sebesar 0.670 > 0,05 maka Ha ditolak, artinya tidak terdapat pengaruh Tambahan Penghasilan Pegawai terhadap kinerja pegawai. Terdapat pengaruh X2 terhadap Y dengan nilai signifikan sebesar 0,000 < 0,05 maka Ha diterima, artinya terdapat pengaruh Pemahaman etos kerja Islam terhadap kinerja pegawai. Terdapat pengaruh hasil dari uji F antara Tambahan Penghasilan Pegawai dan pemahaman etos kerja Islam terhadap kinerja pegawai secara simultan dilihat dari Fhitung 16.493 > 3.14 Ftabel dan nilai signifikan 0,000 < 0,05 maka Ha diterima, besar pengaruh dilihat dari hasil uji koefisien determinasi R2 sebesar 0,275 atau 27% sedangkan sisanya sebesar 73% dijelaskan oleh faktor lain yang tidak diteliti dalam penelitian ini.
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.
ANALISIS KINERJA KEUANGAN PT BANK MUAMALAT INDONESIA TBK PERIODE 2019-2023 Sukma, Amanda Pelita; B, Idwal; Hariyadi, Rizky
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3183

Abstract

Abstract: Banking plays an important role in managing public funds, both through conventional banks and Islamic banks. Bank Muamalat Indonesia, one of the first Islamic banks in Indonesia, carries out its activities with Islamic principles and offers various financial products such as murabahah, mudharabah, musyarakah, and ijarah. This study aims to analyze the financial performance of Bank Muamalat Indonesia during the period 2019–2023 using financial ratios, namely liquidity, profitability, and solvency ratios. This study uses a descriptive quantitative approach by analyzing secondary data from Bank Muamalat Indonesia's annual financial reports. The results of the analysis show that although Bank Muamalat Indonesia showed good liquidity performance in most of the years studied, profitability performance fluctuated, with a significant decline in several years. The solvency ratio shows stability, but profitability such as Net Profit Margin (NPM) and Return on Assets (ROA) show inadequate performance compared to other Islamic banks. This study is expected to provide a comprehensive picture of the financial condition of Bank Muamalat Indonesia and contribute to the development of Islamic bank financial performance studies. Keyword: financial performance, Bank Muamalat Indonesia, financial ratios, liquidity,               profitability, solvency. Abstrak: Perbankan memegang peranan penting dalam pengelolaan dana masyarakat, baik melalui bank konvensional maupun bank syariah. Bank Muamalat Indonesia, merupakan salah satu bank syariah pertama di Indonesia, menjalankan aktivitasnya dengan prinsip syariah dan menawarkan berbagai produk keuangan seperti murabahah, mudharabah, musyarakah, dan ijarah. Penelitian ini bertujuan untuk menganalisis kinerja keuangan Bank Muamalat Indonesia selama periode 2019–2023 dengan menggunakan rasio keuangan, yaitu rasio likuiditas, profitabilitas, dan solvabilitas. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan menganalisis data sekunder dari laporan keuangan tahunan Bank Muamalat Indonesia. Hasil analisis menunjukkan bahwa meskipun Bank Muamalat Indonesia menunjukkan kinerja likuiditas yang baik pada sebagian besar tahun yang diteliti, kinerja profitabilitas mengalami fluktuasi, dengan penurunan signifikan pada beberapa tahun. Rasio solvabilitas menunjukkan stabilitas, namun profitabilitas seperti Net Profit Margin (NPM) dan Return on Assets (ROA) menunjukkan performa yang tidak memadai dibandingkan dengan bank syariah lainnya. Penelitian ini diharapkan dapat memberikan gambaran komprehensif tentang kondisi keuangan Bank Muamalat Indonesia dan memberikan kontribusi pada pengembangan studi kinerja keuangan bank syariah. Kata kunci: kinerja keuangan, Bank Muamalat Indonesia, rasio keuangan, likuiditas,                    profitabilitas, solvabilitas. 
Analisis Kinerja Keuangan Baznas Provinsi Bengkulu Dengan Metode Iszm Citra, Onti Laura; Hariyadi, Rizky
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024)
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.v10i1.2399

Abstract

The application of accountability and transparency in published financial reports is very important for society so that people are able to assess the financial performance of zakat institutions in collecting, managing and distributing zakat funds. The aim of this research is to measure and analyze the level of efficiency and capacity of BAZNAS financial performance in Bengkulu Province using International Standard Zakat Management (ISZM) method. The research method used is a quantitative method with a quantitative descriptive approach. Data collection techniques are by taking financial report data on the BAZNAS Bengkulu Province website. The types of data from this research consist of primary data and secondary data. Secondary data in this research is a type of time series data using a time span of 1 year, namely 2022. Secondary data collection techniques are obtained through various sources such as reports, books, journal articles, websites related to the research object. 
ANALISIS KINERJA KEUANGAN BANK SYARIAH DI BEI DENGAN INDIKATOR NON-PERFORMING FINANCING DAN FINANCING TO DEPOSIT RATIO Sari, Intan Mayang; Hak, Nurul; Hariyadi, Rizky
Jurnal Riset Terapan Akuntansi Vol. 9 No. 2 (2025): Jurnal Riset Terapan Akuntansi
Publisher : Jurnal Riset Terapan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17443205

Abstract

This study aims to analyze the financial performance of Islamic banks listed on the Indonesia Stock Exchange (IDX) for the 2021-2024 period using Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) indicators. The research method used is a descriptive quantitative approach with secondary data in the form of annual financial reports obtained from the official IDX website. The results show that, in general, all banks were able to maintain their NPF ratios in the healthy to very healthy category according to Bank Indonesia criteria. Bank Syariah Indonesia recorded a downward trend in NPF from 2.94% (2021) to 1.90% (2024), while Bank Aladin Syariah maintained a very low NPF in the range of 0-0.04%. BTPN Syariah and Bank Panin Dubai Syariah were in the healthy category despite experiencing fluctuations. Meanwhile, FDR performance showed variations: Bank Syariah Indonesia experienced a positive increase towards the optimal ratio (73.22%-84.85%), BTPN Syariah was consistently in the fairly healthy category, while Bank Aladin Syariah and Bank Panin Dubai Syariah experienced significant fluctuations indicating challenges in liquidity management. Keywords: Financial performance, Islamic Banking, Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR).
Co-Authors , Asnaini Adetio Setiawan, Romi Agustina, Erti Aulia, Huzaifah B, Idwal Citra, Onti Laura Dinata, Roza Lia Febriani, Sela Herry Novrianda Marisa Putri, Leli Mursalin, Supardi Nurul Hak Rosmelina, Helmi Saputri, Devy Kurnia Sari, Intan Mayang Shar, Aan Suherman Sukma, Amanda Pelita Supardi Supardi Threy Wahyu, Agung Wahyuni, Eka Sri Yulianti, Chika Dwi Rahma