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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Manajemen dan Bisnis Jayakarta Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah juremi: jurnal riset ekonomi Economic Reviews Journal Journal of Ekonomics, Finance, and Management Studies
Khairiah Elwardah
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Efisiensi Keputusan Merger Tiga Bank Syariah di Indonesia pada Masa Pandemi Covid-19 (Studi di BSI Kc Bengkulu Panorama) Kuta Karmila Utari; Yeni Septiyana; Asnaini Asnaini; Khairiah Elwardah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No S1 (2022): SPECIAL ISSUE DNU 14 TH
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v10iS1.1922

Abstract

Merger is one of the strategies taken by the company to develop and grow the company. In addition, mergers can create a healthy, efficient and competitive company system. The merger decision was made by the three largest state-owned Islamic banks in Indonesia, namely Bank Rakyat Indonesia Syariah (BRIS), Bank Negara Indonesia Syariah (BNIS), and Bank Syariah Mandiri (BSM). This is a decision that aims to encourage larger Islamic banks so that they can enter the global market and become a catalyst for Islamic economic growth in Indonesia. The decision made during the COVID-19 pandemic is the main step in the context of strengthening the Sharia economy in Indonesia, which is being suppressed by the COVID-19 pandemic. The merger of state-owned Islamic banks will make the merger of Islamic banking better and more efficient with indicators of increasing market share for Islamic banking in Indonesia. With the aim of providing an overview of the impacts as well as opportunities and challenges that will arise from the BSI merger decision during the Covid-19 pandemic at BSI KC Bengkulu Panorama. The merging of three state-owned Islamic banks has an impact on various aspects. This impact occurs on customers, employees and the community. Mergers also have an opportunity, namely increasing assets in banks for merger participants and will expand market penetration. On the other hand, mergers also pose many challenges considering that the COVID-19 has shaken the economy in Indonesia. This study uses a qualitative descriptive research method through interviews, documentation, field research and library research so that it can provide information to solve the problems encountered.
Analisis Dampak Lingkungan pada Usaha Barang Bekas Perspektif Ekonomi Islam: Studi pada Pengusaha Barang Bekas di Kelurahan Pagar Dewa Kota Bengkulu Dona Kaita; Romi Adetio Setiawan; Khairiah Elwardah
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.v6i3.6276

Abstract

This research aims to analyze the environmental impact on used goods business activities in Pagar Dewa Village, Bengkulu City, by referring to Standard Operating Procedures (SOP) and Environmental Impact Analysis (AMDAL) regulations from an Islamic economic perspective. This study specifically uses the maslahah murrasa approach in fiqh rules as the main analytical framework. The research method used is field research with a qualitative approach. The research results show that there are a number of problems related to the responsibility of second-hand goods entrepreneurs towards environmental aspects. Entrepreneurs in the area are known to set up businesses in residential areas, which results in air and environmental pollution. This pollution has a direct impact on the surrounding community, which experiences continuous disturbances in the form of unpleasant odors. Until now, no concrete solution has been found by entrepreneurs to overcome this problem. In a review of Islamic economics, it was found that business actors have not fully complied with Islamic principles regarding environmental management and preservation. Based on the analysis of natural resources and the environment from an Islamic perspective, the Al-Istislah concept and the approach to the basic objectives of Islamic law (Maqasid al-Syari'ah) should be the main guidelines for business actors in maintaining a balance between economic benefits and environmental preservation.
PENGARUH KEMUDAHAN, KEMANFAATAN DAN KEAMANAN TERHADAP PREFERENSI KONSUMEN DALAM MENGGUNAKAN QRIS SEBAGAI SISTEM PEMBAYARAN NON TUNAI Amelita Ika Sari; Eka Sri Wahyuni; Khairiah Elwardah
Juremi: Jurnal Riset Ekonomi Vol. 4 No. 5: Maret 2025
Publisher : Bajang Institute

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Abstract

This study aims to analyze the effect of ease of use, usefulness, and security on consumer preferences in using QRIS as a non-cash payment system. The research was conducted with a quantitative method, using a survey approach to students of the Sharia Economics Study Program, Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu. The research sample was selected using purposive sampling technique based on the criteria: active students who have used QRIS in transactions. Data was collected through an online questionnaire, with a total of 75 respondents. The results showed that partially, Ease of use (X1) and security (X3) have a significant influence on consumer preferences, while usefulness (X2) has no significant effect. Simultaneously, these three variables have a significant influence on consumer preference in using QRIS as a non-cash payment system.
Pengaruh Sertifikasi Halal Bagi Perkembangan Pelaku Usaha di Kota Bengkulu Amiroh Rona Zakiyah; Khairiah Elwardah; Khozin Zaki
Economic Reviews Journal Vol. 4 No. 2 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i2.697

Abstract

The aim of this research is to find out how halal certification affects business actors in Bengkulu City, consumer perceptions of halal-certified products, and the challenges faced by business actors in obtaining and maintaining halal certification. The method applied in this study is a qualitative approach, with data collection carried out through observation, interviews, and documentation. Data analysis was carried out using the Miles and Huberman model. The findings of the study indicate that the impact of halal certification varies; 2 out of 5 business actors feel that they have not experienced an increase in their business due to dependence on seasonal markets. Halal certification has a positive impact on consumer trust, where 4 out of 7 consumers consider it important, although 3 out of 7 other consumers pay less attention to it. The main challenges faced by business actors include understanding the certification process, costs, and the obligation to renew the certificate.
Praktik Kerjasama Bagi Hasil Penggarap dengan Pemilik Lahan Sawah terhadap Kesesuaian Konsep Akad Mukhabarah: Studi Kasus di Desa Talang Jarang Kabupaten Bengkulu Utara Tini Angreyina; Khairiah Elwardah; Uswatun Hasanah
Economic Reviews Journal Vol. 4 No. 2 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i2.702

Abstract

The purpose of this study was to determine how the practice of profit-sharing cooperation between cultivators and rice field owners is in accordance with the concept of the mukhabarah agreement in Talang Jarang Village, North Bengkulu Regency. This study used a qualitative method. The informants in this study were 15 people, using primary data and supplementary data using secondary data in the form of data from books, documents, and journals. Data collection techniques were observation, interviews, and documentation. The results of this study can be concluded that the practice of profit-sharing cooperation between cultivators and rice field owners in Talang Jarang Village, North Bengkulu Regency, is still carried out traditionally with a hereditary system. The agreement used is an oral agreement based on trust without a written contract. The distribution of the harvest is generally carried out with a 50:50 or 60:40 scheme, but in some cases, there is a unilateral change in the agreement by the landowner during the harvest, which is detrimental to the cultivator. This system is largely in accordance with the concept of the mukhabarah agreement in Islam, where the cultivator bears all the costs of land management. However, the main challenges faced are the lack of clarity in the term of the agreement, changes to the agreement that are detrimental to the cultivators, and the absence of a written contract that can trigger conflict. Therefore, a more transparent agreement system and clear mechanisms are needed to ensure fairness for both parties.
Implementasi Additive Ratio Assesment (Aras) Program Keluarga Harapan (PKH) Lansia dalam Meningkatkan Kesejahteraan Masyarakat Desa Pasar Kerkap Perspektif Ekonomi Islam Indri Febrianti; Khairiah Elwardah; Eeng Juli Efrianto
Economic Reviews Journal Vol. 4 No. 2 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i2.728

Abstract

Poverty is a complex issue that requires comprehensive strategies to address, including through the Family Hope Program (PKH), which provides cash assistance to poor households under certain conditions. This study aims to analyze the effectiveness of PKH in improving the welfare of the elderly in Pasar Kerkap Village using the Additive Ratio Assessment (ARAS) method. This method allows for a more systematic evaluation of the program's impact, particularly in the context of Islamic economics. The results indicate that the implementation of ARAS in PKH has improved the targeting of social assistance, although challenges remain in fund disbursement and community understanding. This study provides recommendations to enhance program transparency and socialization, as well as strengthen collaboration between the government and the community to ensure a more effective and sustainable program.
ANALISIS KUALITAS PELAYANAN KONSUMEN PADA HASANAH MART PAGAR DEWA KOTA BENGKULU PERSPEKTIF EKONOMI ISLAM Nisa Violeta; Khairiah Elwardah; Yenti Sumarni
Juremi: Jurnal Riset Ekonomi Vol. 5 No. 1: Juli 2025
Publisher : Bajang Institute

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Abstract

Tujuan penlitian ini adalah (1) Untuk mengetahui kualitas pelayanan konsumen pada Mini Market Hasanah Mart Pagar Dewa, dan (2) Untuk mengetahui tinjauan Ekonomi Syari’ah terhadap kualitas pelayanan konsumen pada Hasanah Mart Pagar Dewa. Dalam penelitian ini menggunakan metode penelitian kualitatif. Sedangkan pengumpulan data pada penelitian ini menggunakan sistem wawancara, observasi, dan dokumentasi. Hasil dari penelitian ini, Hasil penelitian menunjukkan bahwa secara umum kualitas pelayanan di Hasanah Mart sudah tergolong baik, terutama dari segi keramahan karyawan, penampilan yang rapi dan bersih, serta ketanggapan dalam melayani kebutuhan konsumen. Pelayanan dilakukan tanpa diskriminasi, dengan sikap lemah lembut, dan mengutamakan kepentingan konsumen di atas kepentingan pribadi. Namun demikian, masih terdapat beberapa aspek yang menjadi perhatian konsumen, seperti keterbatasan variasi produk bahan pokok dan fasilitas pendukung yang kurang memadai seperti tidak tersedianya kursi dan meja untuk kenyamanan pengunjung. Dari perspektif ekonomi Islam, Hasanah Mart dinilai telah menerapkan prinsip-prinsip pelayanan syariah seperti jujur, amanah, profesional, serta mengedepankan nilai empati dan ukhuwah. Penelitian ini menyimpulkan bahwa pelayanan Hasanah Mart telah berjalan sesuai nilai-nilai syariah, namun tetap memerlukan perbaikan pada aspek fasilitas dan kelengkapan produk untuk meningkatkan kenyamanan dan kepuasan pelanggan.
Pendampingan Masyarakat melalui Literasi Informasi Agen Biro Perjalanan Umrah di Desa Riak Siabun 1 Kabupaten Ayu Marisa Utami; Khairiah Elwardah; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 3 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i3.26832

Abstract

Penelitian ini bertujuan untuk meningkatkan literasi informasi masyarakat Desa Riak Siabun 1 Kabupaten Seluma, terkait pemilihan agen biro perjalanan umrah yang legal dan terpercaya. Latar belakang penelitian ini didasarkan pada meningkatnya minat masyarakat Muslim Indonesia terhadap ibadah umrah, namun masih banyak ditemukan kasus penipuan oleh agen biro perjalanan tidak resmi akibat rendahnya literasi informasi dan kurangnya akses terhadap sumber informasi yang valid. Melalui program pendampingan masyarakat, penelitian ini memberikan edukasi mengenai proses, biaya, persyaratan, serta pentingnya verifikasi legalitas agen melalui sistem resmi seperti SISKOPATUH Kementerian Agama. Kegiatan yang dilakukan meliputi diskusi, kajian, dan sosialisasi tentang umrah, edukasi tabungan umrah, serta strategi pencegahan penipuan. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan kesadaran masyarakat dalam memilih biro perjalanan umrah yang berizin, serta menurunnya potensi kerugian akibat penipuan. Penelitian ini diharapkan dapat menjadi referensi dalam pengembangan program literasi informasi keagamaan dan perlindungan konsumen di bidang perjalanan ibadah umrah, khususnya di daerah pedesaan
Fungsi Perencanaan dalam Upaya Peningkatan Kualitas Bimbingan Ibadah Haji pada Kelompok Bimbingan Ibadah Haji dan Umrah (KBIHU) Al-Marjan Kota Bengkulu Tata Ramadhani; Khairiah Elwardah; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 4 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i4.27658

Abstract

Penelitian ini bertujuan untuk mendeskripsikan fungsi perencanaan dalam upaya peningkatan kualitas bimbingan ibadah haji dan umrah serta mengetahui pelaksanaan penyelenggaraan manasik haji pada KBIHU Al-Marjan Kota Bengkulu . Metode yang digunakan adalah deskriptif kualitatif dengan teknik analisis data dan pengumpulan data dengan teknik wawancara, observasi dan dokumentasi. Ada 3 orang informan dalam penelitian ini terdiri dari bendahara yaitu ibu mameta, dan 2 pembimbing yaitu ibu Gusmaniar dan bapak Zybaidi. Hasil dari penelitian yang telah dilakukan adalah Kelompok Bimbingan Ibadah Haji dan Umrah (KBIHU) Al-Marjan Kota Bengkulu telah melakukan tujuan fungsi perencanaan forecasting, objectives, policies, programming, scheduling, procedure, dan budgeting secara baik. Pelaksanaan penyelenggaraan bimbingan manasik haji pada KBIHU Al-Marjan Kota Bengkulu, sudah diterapkan dengan sangat baik. Adapun faktor keberhasilan pelaksanaan penyelenggaran adalah: perencanaan program bimbingan, pelaksanaan manasik ibadah, pembinaan spiritual dan mental, evaluasi dan mentoring jamaah, penggunaan media teknologi dan kerjasama dengan pihak terkait.
Analisis Kebijakan Penetapan Harga Sembako di Kota Bengkulu Perspektif Ibnu Taimiyah Wahyu Trijati; Khairiah Elwardah; Makmur
Economic Reviews Journal Vol. 4 No. 3 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i3.820

Abstract

This study aims to identify how the pricing policy in Bengkulu City is and to understand how the pricing policy for basic necessities in Bengkulu City is from Ibn Taimiyah's perspective. The study was conducted with a qualitative approach through the use of secondary data as a collection technique that was collected indirectly from various written references, such as documents, relevant data related to research, books, and various media, journals and other sources related to Ibn Taimiyah. From the research and discussion, it was found that in Bengkulu City, the pricing of basic necessities is implemented through the 4K strategy, namely maintaining price affordability, ensuring supply availability, facilitating distribution, and implementing effective communication. The Bengkulu City Government also routinely holds market operations to monitor price stability and prevent hoarding and speculation practices. And also Ibn Taimiyyah's thoughts regarding pricing policies have strong relevance in the current context in Bengkulu City. According to him, price fluctuations are not always the result of trader injustice. Price increases can be caused by decreased production, disruption of supply from outside the region, or a spike in demand that is not comparable. However, if there are manipulative practices such as hoarding of goods, fraud, or market control by a group of business actors for personal gain, then government intervention is mandatory in order to restore market balance and justice.
Co-Authors Afridatul Inayah Amelita Ika Sari Amiroh Rona Zakiyah Andi Harpepen Asnaini Asnaini Ayu Marisa Utami Debby Arisandi Dona Kaita Eeng Juli Efrianto Eka Sri Wahyuni Esti Alfiah Indri Febrianti Khozin Zaki Kuta Karmila Utari Makmur Miko Polindi Nisa Violeta Rantika Prameswari Reza Anugrah Pratama Romi Adetio Setiawan Septi Widiyanti Tata Ramadhani Tini Angreyina Trianita Dewi USWATUN HASANAH Wahyu Trijati Yeni Septiyana Yenti Sumarni