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All Journal PARETO : Jurnal Ekonomi dan Kebijakan Publik Jurnal Kajian Manajemen Dakwah
Sunarti, Gustiya
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Religion Humanities Economics, Econometrics & Finance Social Sciences

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Human Resource Management of Baitul Maal wat Tamwil in the Digital: Challenges and Opportunities Monalisa, Agnes; Sunarti, Gustiya
Jurnal Kajian Manajemen Dakwah Vol 6 No 2 (2024): Jurnal Kajian Manajemen Dakwah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/jkmd.v6i2.11441

Abstract

This study examines the challenges and opportunities faced by Baitul Maal wat Tamwil (BMT) in managing human resources (HR) in the rapidly evolving digital era. The main focus is to analyze HR adaptation strategies that align with technological advancements while upholding the Sharia principles that form the foundation of BMT’s operations. Utilizing a qualitative method and a literature review approach, the study synthesizes findings from various relevant sources and previous research. The analysis reveals that digitalization within BMT requires not only adequate technological infrastructure but also an improvement in digital competencies among all levels of human resources, from operational staff to management. Furthermore, the digital transformation calls for a shift in work culture toward a more adaptive, collaborative, and technology-oriented approach. These findings imply that BMT must actively integrate information technology into its work systems, conduct regular training focused on digital competencies within a Sharia framework, and build a work ecosystem that encourages innovation while remaining grounded in Islamic values. Such strategic efforts are essential to ensure that BMT remains competitive, relevant, and capable of sustainably meeting community needs amid ongoing change.
IMPLEMENTATION OF MAQASHID SHARIA PRINCIPLES IN THE WORK CULTURE OF EMPLOYEES AT BANK MUAMALAT BENGKULU BRANCH Chamauliddah, Tri; Sunarti, Gustiya; Yunus, Fatimah; Tri Chamauliddah; Gustiya Sunarti; Fatimah Yunus
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/2q5f3g13

Abstract

Previous studies on Islamic Financial Institution have primarily focused on sharia compliance in products and financial performance, while limited attention has been given to how maqashid sharia principles are embodied within employees’ work culture. This study fills that gap by analyzing the implementation of maqashid sharia values in the work culture of employees at Bank Muamalat Bengkulu Branch using a descriptive qualitative approach through interviews with leaders and staff. Thematic analysis was conducted based on the five dimensions of maqashid sharia: hifz ad-dīn (protection of religion), hifz an-nafs (protection of life), hifz al-aql (protection of intellect), hifz an-nasl (protection of lineage), and hifz al-mal (protection of wealth). The results indicate that Islamic values are internalized through the “Muamalat IDEAL” work culture (Islamic, Modern, Professional). Leaders play an active role in instilling honesty, trustworthiness, and responsibility through exemplary conduct and spiritual activities. Employees’ work practices reflect a balance between spiritual and professional aspects: integrity and honest service (hifz ad-dīn), harmonious teamwork (hifz an-nafs), continuous competency development (hifz al-aql), employee welfare (hifz an-nasl), and sharia-compliant fund management (hifz al-mal). Supporting factors include strong organizational commitment and corporate values, while the main challenges are the influence of value globalization and limited Islamic literacy among staff. Overall, the application of maqashid sharia strengthens Islamic work culture and professionalism within Bank Muamalat Bengkulu Branch.
PERSEPSI DAN PREFERENSI GENERASI Z TERHADAP APLIKASI MOBILE BANKING SYARIAH DI ERA DOMINASI FINTECH KONVENSIONAL Septyana, Mutiara; Yunus, Fatimah; Sunarti, Gustiya
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/m64q2s19

Abstract

This study aims to analyze Generation Z's perceptions and preferences regarding the use of sharia-compliant mobile banking applications amidst the dominance of conventional fintech. Using a descriptive qualitative approach, the study involved 10 Generation Z informants selected through purposive sampling. Data were collected through interviews, observation, and documentation, then analyzed using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results show that Generation Z has a positive perception of sharia-compliant mobile banking, especially in terms of security and sharia compliance. However, their preference for conventional fintech is more dominant because it offers convenience, fast transactions, extensive integration with various digital platforms, and economic benefits such as cashback and promotions. This study also found a value-behavior gap, namely the difference between the understanding of sharia values ​​and the practice of using digital financial applications.
ANALISIS TINGKAT LITERASI KEUANGAN SYARIAH MAHASISWA PASCASARJANA UINFAS BENGKULU: PERBANDINGAN ANTARA BANK SYARIAH DAN BANK KONVENSIONAL   Ahmad Rayendra; Rayendra, Ahmad; Yunus, Fatimah; Sunarti, Gustiya
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/36mgj939

Abstract

This study aims to analyze the level of Islamic financial literacy among students at UIN Fatmawati Sukarno (UINFAS) Bengkulu and compare their understanding of the products and services offered by Islamic banks and conventional banks. Islamic financial literacy is an individual's ability to understand Islamic financial principles, including the prohibitions on usury, gharar, and maisir, as well as the use of instruments such as mudharabah, musyarakah, and murabahah. The research method used is descriptive quantitative, with questionnaires distributed to 120 students who actively use banking services. The results show that the level of Islamic financial literacy among students is generally in the fairly good category, but there are differences in understanding between students who use Islamic banks and conventional banks. Students who use Islamic banks have a higher level of understanding of Islamic financial principles compared to students who use conventional banks. These findings demonstrate the importance of improving Islamic financial literacy education for students, including those who primarily use conventional banks, to raise awareness of Islamic financial principles in everyday life.
PERAN INFAQ DAN SEDEKAH DALAM PEMERDAYAAN EKONOMI UMAT DI ERA DIGITAL Afriani, Rossella; Yunus, Fatimah; Sunarti, Gustiya
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/k0a6rn32

Abstract

This research is a study using the literature study method or literature review to show readers about “The role of infaq and alms in the economic empowerment of the people in the digital era” and examine data from various literatures related to the core of the problem in order to obtain the principles and concepts about the problem that is the object of research. The method used in this article is descriptive method, various forms of information and references related to the issue of managing infaq and alms in the digital era.  The results of the study show that amil are required to have modern skills in collecting funds. Digitalization of infaq and sadaqah fund collection is digital payment and digital socialization by utilizing social media. Digitalization in collecting infaq and sadaqah funds plays a role because it makes it easier for muzakki to save time and money. And also makes fundraising more transparent, massive, effective and efficient. However, the role of digitalization has not been maximized due to the lack of human resources and the lack of a digital system that is very minimal and people who are not yet literate in digital technology.
ANALISIS STRATEGI PENGELOLAAN KOPERASI SIMPAN PINJAM DI KOPERASI LKM SYARIAH UKHUWAH BINTANG INSANI Wardonsoni; Wardonsoni, Wardonsoni; Sunarti, Gustiya; Yunus, Fatimah
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/nqn1d116

Abstract

This study aims to analyze the management strategy of savings and loan cooperatives at the Ukhuwah Bintang Insani Islamic Microfinance Cooperative (LKM Syariah), a microfinance institution operating based on sharia principles. This study focuses on four main aspects: planning, organization, implementation, and supervision, which are applied to support the effectiveness of operational activities. The research method used is descriptive qualitative through in-depth interviews, direct observation, and review of various organizational documents. The results show that the cooperative has implemented a targeted management strategy oriented towards member empowerment, improving service quality, and complying with sharia. However, several challenges remain, such as limited human resources, suboptimal technology utilization, and the need to strengthen the internal control system. The findings of this study emphasize the importance of increasing institutional capacity and professionalism of cooperative managers so that cooperatives can adapt to changing member needs and the dynamics of the business environment. This research provides an empirical contribution to the strategy for developing sustainable management of sharia cooperatives.  
Pengaruh Pengetahuan Investasi, dan Influencer Keuangan terhadap Minat Investasi Cryptocurrency pada Mahasiswa FEBI UIN Fatmawati Sukarno Bengkulu Pranata, Viora; Yunus, Fatimah; Sunarti, Gustiya
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/1t495630

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Pengetahuan Investasi dan Influencer Keuangan terhadap Minat Investasi Cryptocurrency pada mahasiswa FEBI UIN Fatmawati Sukarno Bengkulu. Metode penelitian menggunakan pendekatan kuantitatif dengan desain explanatory survey, di mana data dikumpulkan melalui kuesioner yang disebarkan kepada 130 mahasiswa terpilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan uji validitas, reliabilitas, normalitas, uji t, uji F, dan koefisien determinasi (R²) untuk menguji hubungan antarvariabel. Hasil penelitian menunjukkan bahwa Pengetahuan Investasi (X1) berpengaruh signifikan terhadap Minat Investasi Cryptocurrency (Y), dengan t hitung 4,521 > t tabel 1,972 dan signifikansi 0,000. Influencer Keuangan (X2) juga memiliki pengaruh signifikan terhadap minat investasi, t hitung 3,985 > t tabel 1,972 dan signifikansi 0,000. Secara simultan, kedua variabel independen berpengaruh signifikan terhadap minat investasi mahasiswa, dibuktikan oleh uji F hitung 14,872 > F tabel dan signifikansi 0,000. Koefisien determinasi (R²) sebesar 0,526 menunjukkan bahwa 52,6% variasi Minat Investasi Cryptocurrency dapat dijelaskan oleh Pengetahuan Investasi dan Influencer Keuangan, sedangkan 47,4% dipengaruhi faktor lain. Temuan ini menegaskan pentingnya literasi investasi dan pengaruh sosial digital sebagai faktor utama dalam membentuk minat investasi mahasiswa pada aset digital.
Pengaruh Persepsi Dan Preferensi Generasi Z Terhadap Penggunaan Produk Digital Bank Syariah (Studi Pada Mahasiswa Pascasarjana Uinfas Bengkulu) Jabar, Weny; Weny, Weny; Yunus, Fatimah; Sunarti, Gustiya
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/m4r72b83

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh persepsi dan preferensi generasi Z terhadap penggunaan produk digital bank syariah pada mahasiswa Pascasarjana UIN Fatmawati Sukarno Bengkulu. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan survei. Data dikumpulkan melalui kuesioner berbasis skala Likert yang disebarkan kepada 130 mahasiswa pascasarjana sebagai sampel menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan uji validitas, reliabilitas, uji normalitas, serta regresi linear berganda untuk mengetahui pengaruh parsial dan simultan antara persepsi dan preferensi terhadap penggunaan produk digital bank syariah. Hasil penelitian menunjukkan bahwa persepsi berpengaruh signifikan terhadap penggunaan produk digital bank syariah dengan t hitung 4,213 > t tabel 1,972 dan signifikansi 0,000. Preferensi juga berpengaruh signifikan dengan t hitung 3,897 > t tabel 1,972 dan signifikansi 0,000. Secara simultan, persepsi dan preferensi berpengaruh signifikan terhadap penggunaan produk digital bank syariah dengan F hitung 15,432 dan signifikansi 0,000. Koefisien determinasi R² sebesar 0,507 menunjukkan bahwa 50,7% variasi penggunaan layanan digital dapat dijelaskan oleh persepsi dan preferensi. Temuan ini menegaskan pentingnya mempertimbangkan persepsi dan preferensi generasi Z dalam pengembangan strategi layanan digital bank syariah.
KONSEP PAJAK DI INDONESIA DALAM EKONOMI ISLAM MENURUT PEMIKIRAN IBNU KHALDUN Barokallah; Barokallah, Barokallah; Sunarti, Gustiya; Yunus, Fatimah
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/6x74hd96

Abstract

Ibn Khaldun argued that excessive taxes imposed on the people would lead to a decline in economic activity, which would also result in a decline in the country's economy. The role of taxes has not yet answered or met the needs of the people, for example, road infrastructure, many roads are damaged and have not been repaired, bridge facilities are still lacking, resulting in hampered distribution of goods and causing prices to soar. This type of research is library research. The realization of tax revenue reached IDR 2,842.5 trillion or 101.4% of the 2024 State Budget target or grew by 2.1% year on year (yoy). The poverty rate is 8.47% with a population of 23.85 million poor people. The poverty rate in Indonesia is still dominated by rural areas at 11.03%, this is higher than the poverty rate in urban areas at 6.73%. Indonesia's regulatory policies are in accordance with Ibn Khaldun's concept, but their implementation has not had a significant impact, because state revenue grew 2.1% but extreme poverty is still very large at 8.47%.
Co-Authors Afriani, Rossella Ahmad Rayendra Barokallah Barokallah, Barokallah Chamauliddah, Tri Fatimah Yunus Gustiya Sunarti Jabar, Weny Monalisa, Agnes pranata, viora Rayendra, Ahmad Septyana, Mutiara Tri Chamauliddah Wardonsoni Wardonsoni, Wardonsoni Weny, Weny Yunus, Fatimah