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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 Jurnal Aghniya Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah juremi: jurnal riset ekonomi Economic Reviews Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Khairiah Elwardah
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Spiritual dan Orientasi Wirausaha dalam Meningkatkan Penjualan: Studi pada Pelaku Usaha Fashion Muslim di Bencoolen Indah Mall Kota Bengkulu Reza Anugrah Pratama; Khairiah Elwardah; Yenti Sumarni
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.v4i3.821

Abstract

The purpose of this study is to examine the influence of spirituality on increasing sales among muslim fashion entrepreneurs and the impact of entrepreneurial orientation on enhancing sales in Bencoolen Indah Mall (BIM), Bengkulu City. The research employs a qualitative approach, with data collection conducted through observation, interviews, and documentation. Data analysis is performed using the Miles and Huberman model. The findings indicate that spiritual values such as honesty, trustworthiness, responsibility, worship, and piety have a positive impact on business success. Entrepreneurial orientation, which includes innovation, adaptation to technology, risk-taking, proactivity, and customer focus, has proven effective in increasing sales. Muslim fashion entrepreneurs who can integrate spiritual values with a proactive entrepreneurial orientation tend to be more successful in facing challenges and achieving business objectives.
PENGARUH RELIGIUSITAS, KUALITAS PRODUK DAN HARGA PRODUK TERHADAP TINGKAT PENJUALAN PRODUK KOSMETIK HALAL WARDAH DI KOTA BENGKULU Septi Widiyanti; Khairiah Elwardah; Debby Arisandi
Jurnal Manajemen & Bisnis Jayakarta Vol 7 No 01 (2025): Vol 7 No 01 Juli 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Jayakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53825/jmbjayakarta.v7i01.374

Abstract

Tujuan penelitian ini untuk mengetahui pengaruh religiusitas, kualitas produk dan harga produk secara parsial dan simultan terhadap tingkat penjualan produk kosmetik halal wardah di Kota Bengkulu. Jenis penelitian ini menggunakan jenis penelitian lapangan dan pendekatan kuantitatif. Populasi dalam penelitian ini adalah seluruh pengguna produk kosmetik wardah di Kota Bengkulu yang tidak diketahui jumlahnya. Teknik pengambilan sampel menggunakan teknik Random Sampling. Jumlah sampel dalam penelitian ini ditentukan sebanyak 80 sampel. Teknik pengumpulan data dilakukan dengan cara kuesioner. Teknik analisis data yang digunakan adalah uji asumsi klasik, uji analisis regresi berganda dan uji hipotesis. Hasil penelitian berdasarkan hasil pengujian hipotesis dengan uji t menunjukkan bahwa variabel religiusitas mempunyai nilai signifikansi sebesar 0,000 < 0,05 maka H1 diterima, hal ini berarti religiusitas berpengaruh signifikan terhadap tingkat penjualan, variabel kualitas produk mempunyai nilai signifikansi sebesar 0,091 > 0,05 maka H2 di tolak, hal ini berarti kualitas produk tidak berpengaruh signifikan terhadap tingkat penjualan dan variabel harga produk mempunyai nilai signifikansi sebesar 0.242 > 0,05 maka H3 ditolak, hal ini berarti harga produk tidak berpengaruh signifikan terhadap tingkat penjualan. Sedangkan berdasarkan hasil pengujian hipotesis dengan uji F variabel religiusitas, kualitas produk dan harga produk mempunyai nilai signifikansi sebesar 0.000 < 0,05 dapat disimpulkan bahwa variabel religiusitas, kualitas produk dan harga produk berpengaruh secara bersamaan terhadap tingkat penjualan. Kata Kunci: Religiusitas, Kualitas Produk, Harga Produk, Tingkat Penjualan
Pengaruh Faktor Etika Bisnis Islam dan Labelisasi Halal Terhadap Loyalitas Konsumen SR12 Skincare di Kota Bengkulu Trianita Dewi; Esti Alfiah; Khairiah Elwardah
Economic Reviews Journal Vol. 4 No. 4 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i4.876

Abstract

The purpose of this study is to determine the influence of the Islamic Business Ethics factor on Consumer Loyalty, to determine the influence of the Halal Labeling factor on Consumer Loyalty, and to determine the influence of the Islamic Business Ethics and Halal Labeling factors on the Consumer Loyalty of SR12 Skincare in Bengkulu City. This study used a quantitative method by distributing questionnaires to 64 respondents. The data analysis technique used was multiple linear regression using the IMB SPSS 26 application. The results of the research and discussion show that Islamic Business Ethics have a partial effect on consumer loyalty, Halal Labeling also has a partial effect on consumer loyalty, and Islamic business ethics have a simultaneous effect of 79.6%, while the remaining 20.4% is explained by other factors outside this research model.
Analisis Kualitas Layanan Tour Leader dalam Mendampingi Jamaah Umrah dengan Menggunakan Metode Service Quality (Studi pada PT. Bengkulu Syiar Haramain Kota Bengkulu) Rantika Prameswari; Khairiah Elwardah; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.28284

Abstract

This study aims to determine the tour leader service in accompanying Umrah pilgrims at PT. Bengkulu Syiar Haramain Bengkulu City and to determine the suitability of tour leader services with five service quality indicators. The focus of the study is directed at the service aspects provided by tour leaders to Umrah pilgrims and their suitability with five service quality dimensions, namely physical evidence (tangibles), reliability (reliability), responsiveness (responsiveness), assurance (assurance), and empathy (empathy). This study uses a qualitative approach with data collection methods through interviews, observations, and documentation. The results of the study indicate that the tour leader service of PT. Bengkulu Syiar Haramain is classified as good and has met the service quality standards, although there are still shortcomings in terms of reliability, namely the timeliness of distribution of Umrah pilgrim equipment, so it still requires improvement to increase pilgrim satisfaction.
PENGARUH CYBER CRIME TERHADAP KEPERCAYAAN MAHASISWA UIN FAS BENGKULU DALAM MENGGUNAKAN PRODUK ELECTRONIC BANKING BANK SYARIAH INDONESIA Afridatul Inayah; Khairiah Elwardah; Andi Harpepen
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.61788

Abstract

Abstrak Transformasi digital di sektor perbankan telah menghadirkan layanan electronic banking (e-banking) yang memudahkan nasabah bertransaksi secara daring. Namun, meningkatnya kasus cyber crime menimbulkan kekhawatiran mengenai keamanan data dan kepercayaan pengguna, termasuk mahasiswa sebagai pengguna aktif. Penelitian ini bertujuan menganalisis pengaruh cyber crime terhadap kepercayaan mahasiswa UIN Fatmawati Sukarno Bengkulu dalam menggunakan layanan e-banking Bank Syariah Indonesia (BSI). Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan asosiatif. Sampel penelitian berjumlah 46 mahasiswa Program Studi Perbankan Syariah angkatan 2022 yang dipilih dengan teknik sensus. Data primer diperoleh melalui kuesioner berskala Likert 1–5, sedangkan data sekunder diperoleh dari literatur terkait. Analisis data dilakukan menggunakan uji validitas, reliabilitas, uji asumsi klasik (normalitas, linieritas, heteroskedastisitas), regresi linier sederhana, uji t, dan koefisien determinasi (R²) dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa cyber crime berpengaruh negatif dan signifikan terhadap kepercayaan mahasiswa dengan nilai t hitung (-7,292) > t tabel (1,679) dan signifikansi 0,002 < 0,05. Selain itu, nilai Adjusted R² sebesar -0,730 menunjukkan bahwa 73% variasi kepercayaan dipengaruhi cyber crime. Temuan ini menegaskan bahwa meningkatnya ancaman cyber crime menurunkan kepercayaan mahasiswa terhadap keamanan layanan e-banking BSI. Kata Kunci: cyber crime, kepercayaan mahasiswa, e-banking, BSI.   Abstract Digital transformation in the banking sector has introduced electronic banking (e-banking) services that facilitate online transactions for customers. However, the rise in cybercrime cases raises concerns about data security and user trust, including students as active users. This study aims to analyze the influence of cybercrime on the trust of UIN Fatmawati Sukarno Bengkulu students in using Bank Syariah Indonesia (BSI) e-banking services. The research method used is quantitative with an associative approach. The research sample consisted of 46 students of the Islamic Banking Study Program, class of 2022, selected using a census technique. Primary data were obtained through a 1–5 Likert scale questionnaire, while secondary data were obtained from related literature. Data analysis was performed using validity tests, reliability tests, classical assumption tests (normality, linearity, heteroscedasticity), simple linear regression, t-tests, and coefficient of determination (R²) using SPSS. The results of the study indicate that cybercrime has a negative and significant effect on student trust with a calculated t value (-7.292) > t table (1.679) and a significance of 0.002 < 0.05. In addition, the Adjusted R² value of -0.730 indicates that 73% of the variation in trust is influenced by cybercrime. This finding confirms that the increasing threat of cybercrime reduces student trust in the security of BSI e-banking services. Keywords: cyber crime, student trust, e-banking, BSI.
Analisis Akad Muzaraah terhadap Praktik Paroan Sawah dalam Meningkatkan Kesejahteraan Petani (Studi pada Desa Sarimulyo Kecamatan Sukaraja Kabupaten Seluma) Shelly Nevrianti; Katra Pramadeka; Khairiah Elwardah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.28893

Abstract

The purpose of this study is to examine the practice of paroan sawah (sharecropping) in improving farmers’ welfare and to analyze its conformity with the principles of the muzaraah contract in Islamic economics. This research employs a descriptive qualitative method with a field study approach. Data were collected through interviews, observations, and documentation involving ten informants, consisting of five landowners and five tenant farmers in Sarimulyo Village, Sukaraja District, Seluma Regency. The results show that the sharecropping system in Sarimulyo Village is carried out traditionally based on verbal agreements between landowners and farmers. The distribution of yields generally follows a 1:1 or 2:1 ratio depending on the contribution of capital and production costs. This practice reflects mutual trust, social justice, and cooperation values, as described by Koentjaraningrat in his theory of agrarian social systems. However, from the perspective of Islamic law, this practice does not fully comply with the principles of muzaraah because there is no written agreement, the distribution of yields is not entirely transparent, and the sharing of production costs tends to be unequal. In terms of welfare, the sharecropping system helps farmers meet their basic household needs, although it has not yet ensured sustainable economic improvement.
The Effectiveness of Sharia KUR Education in Improving Financial Literacy of MSMEs in Timur Indah Subdistrict, Bengkulu City Angly Mayori; Khairiah Elwardah; Herlina Yustati
Jurnal Aghniya Vol. 8 No. 1 (2025): Islamic Economics and Banking Education
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Nahdlatul Ulama Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Background: MSMEs in Timur Indah Village, RT 09 RW 04, Bengkulu City, have not optimally utilized Sharia financing due to limited financial literacy. Pegadaian Syariah's KUR education program was conducted to improve the understanding of 30 MSMEs, encouraging them to transition from interest-based loans to halal financing. Method: Community-Based Research: location survey (April), participant identification (May), classroom-based education (July 19, 2025). Twenty-seven participants completed a pre-test and post-test with 15 questions; improvement in understanding was calculated descriptively as a percentage. Results: Attendance was 90% (27/30). The average pre-test score was 58, and the post-test score was 82. 92.6% (25/27) recorded an improvement, while 7.4% remained unchanged. Three participants immediately registered for Sharia KUR; active discussions demonstrated high interest Conclusion: The 2.5-hour education program significantly increased Sharia KUR literacy in the short term. Recommendations: expansion to other RTs, more interactive modules, and post-education mentoring to ensure funding realization.
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.
Co-Authors Afridatul Inayah Amelita Ika Sari Amiroh Rona Zakiyah Andi Harpepen Angly Mayori Asnaini Asnaini Ayu Marisa Utami Debby Arisandi Dona Kaita Eeng Juli Efrianto Eka Sri Wahyuni Esti Alfiah Herlina Yustati Indri Febrianti Katra Pramadeka Khozin Zaki Kuta Karmila Utari Makmur Miko Polindi Nisa Violeta Rantika Prameswari Reza Anugrah Pratama Romi Adetio Setiawan Septi Widiyanti Shelly Nevrianti Tata Ramadhani Tini Angreyina Trianita Dewi USWATUN HASANAH Wahyu Trijati Yeni Septiyana Yenti Sumarni