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All Journal PARETO : Jurnal Ekonomi dan Kebijakan Publik Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan, dan Hukum Islam Ghaitsa: Islamic Education Journal Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Qiyas : Jurnal Hukum Islam dan Peradilan
Yunus, Fatimah
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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ANALISIS REAKSI PASAR SAHAM SYARIAH TERHADAP DAMPAK CORONA VIRUS DISEASE (COVID-19) OUTBREAK DI INDONESIA Muhaimin, Ahmad; Friyanti, Yunida Een; Yunus, Fatimah
Ar-Risalah: Media Keislaman, Pendidikan dan Hukum Islam Vol 19 No 2 (2021): (Oktober 2021)
Publisher : Institut Agama Islam Ibrahimy Genteng Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/arrisalah.v19i2.742

Abstract

This study intends to examine how the Islamic stock market responds to the impact of the Corona virus with the example of 10 Islamic stock issuers contained in the Jakarta Islamic Index (JII) by separating the estimates into three periods. The first period is in December 2019-March 2020, which is the period for the emergence of the corona virus but has not been officially reported in Indonesia. The next period is April-July 2020 when the pandemic has officially entered Indonesia and the Large Scope Social Restrictions (PSBB) have been implemented, and the third time span is August-December 2020 when the Implementation of Restrictions on Community Activities (PPKM) is enforced. This study will examine how the response from daily returns from 10 JII issuers. In addition, this study uses a descriptive quantitative method with the research method used is purposive sampling. Where this research provides the findings that after the announcement of the Coronavirus pandemic in December 2019 it had an impact throughout the world and made the Islamic stock market experience negative developments. During the PSBB and PPKM periods, several sectors experienced positive developments, this is quite good progress, especially for investors who have received certainty regarding the spread of the Corona virus in Indonesia so that preventive measures can be taken. In times of a pandemic like this, the average stock price tends to decline, one of which is because investors have sold their shares for fear that the shares will decrease in value in the future, but this is not the same as Islamic finance which emphasizes that they are more stable than ordinary shares which have been proven. on the shares of JII and its 10 issuers.
Potensi Wisata Halal di Desa Rindu Hati Kabupaten Bengkulu Tengah Menggunakan Pendekatan Porter Five Forces Prisiliko, Olivia; Yunus, Fatimah; Stiawan, Evan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
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.v8i2.3727

Abstract

The goal of this research is to figure out how the potential for halal tourism in Rindu Hati Village, Central Bengkulu Regency uses the Porter Five Forces approach. The research used a qualitative technique and was a sort of field research (field research). It may be concluded based on the study's findings that first, tourism in Rindu Hati Village, Rindu Hati Village Tourism has the potential as a halal tourist destination because it has fulfilled several indicators that have been considered, such as available halal food and drinks, prayer rooms, Qibla directions, proper washing places, toilets men and women are separated, there is a prohibition on activities that violate sharia norms to provide comfort for tourists, especially Muslim tourists. Second, Porter Five Forces results that tourism in Rindu Hati Village has good product differentiation, requires large capital to enter, and even competes with facilities that are by halal tourism indicators, bathing places are a threat to substitute products but tourism in Rindu Hati Village still has providing tubing services, the bargaining power of suppliers since the do not have a major influence the relationship is only limited to sellers and buyers without a contract, and there is no bargaining with tourists because it is the final price.
Analisis Penyelesaian Kredit Macet (Studi pada Permodalan Nasional Syari’ah Cabang Kota Bengkulu) Septina, Chindi; Yunus, Fatimah; Stiawan, Evan
GHAITSA : Islamic Education Journal Vol. 3 No. 3 (2022): Oktober
Publisher : Yayasan Darusssalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/ghaitsa.v3i3.707

Abstract

The resaerch entitled “Analysis Of Settlement Of Bad Loans (Study On National Capital Madani Syari’ah Branch Of Bengkulu City )” has the intention of resolving bad loans through deliberations of all employees to find a solution to tha problems being faced, namely that all PNM Syari’ah employees are entitled to be responsible and authorized to bill the customer. In this study using a qualitative approach with descriptive methods. The data used are derived from primary and secondary data and the population in this study are employees from PT. Civil National Capital (Persero) Syari’ah Bengkulu city branch, totaling 13 people. The sampling technique by means of purposive sampling.
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.
Co-Authors Afriani, Rossella Ahmad Rayendra Barokallah Barokallah, Barokallah Chamauliddah, Tri Fatimah Yunus Friyanti, Yunida Een Gustiya Sunarti Jabar, Weny Julir, Nenan Muhaimin, Ahmad Prakoso, Arie Putra pranata, viora Prisiliko, Olivia Rayendra, Ahmad Septina, Chindi Septyana, Mutiara Sitorus, Iwan Romadhan Stiawan, Evan Sunarti, Gustiya Tri Chamauliddah Wardonsoni Wardonsoni, Wardonsoni Weny, Weny Yanti, Revi