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All Journal Jurnal Ilmiah Edunomika (JIE) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Economic Reviews Journal NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) APPA : Jurnal Pengabdian Kepada Masyarakat JSE: Jurnal Sharia Economica Faedah: Jurnal Hasil Kegiatan Pengabdian Masyarakat Indonesia Sharia Economic and Management Business Journal (SEMBJ) Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi, Manajemen, Akuntansi Jurnal At-Tamwil: Kajian Ekonomi Syariah
Desi Isnaini
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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PERAN AKAD IJARAH DALAM PENGEMBANGAN INDUSTRI HALAL: STUDI SEWA RUKO DI KOTA BENGKULU Yolsa Agustio; Desi Isnaini; Katra Pramadeka
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.v7i1.61283

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis peran akad ijarah dalam pengembangan industri halal khususnya dalam konteks sewa menyewa ruko di Jalan Padat Karya. Akad ijarah, sebagai salah satu bentuk transaksi yang sesuai dengan prinsip syariah, diharapkan dapat memberikan kontribusi positif terhadap pertumbuhan usaha halal. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan teknik wawancara dan observasi terhadap pelaku usaha yang menyewa ruko di lokasi tersebut.Hasil penelitian menunjukkan bahwa penerapan akad ijarah memberikan kemudahan akses bagi pelaku industri halal dalam memperoleh tempat usaha, serta meningkatkan kepercayaan masyarakat terhadap produk halal. Selain itu, penelitian ini juga menemukan bahwa kepatuhan terhadap prinsip syariah dalam pelaksanaan akad ijarah berperan penting dalam menciptakan lingkungan usaha yang kondusif. Dengan demikian, akad ijarah memiliki peran strategis dalam mendukung pengembangan industri halal di Kota Bengkulu. Kata Kunci: Akad Ijarah, Industri Halal, Sewa Menyewa.   Abstract This study aims to analyze the role of the ijarah contract in the development of the halal industry, particularly in the context of renting shophouses on Padat Karya Street. The ijarah contract, as a form of transaction that complies with sharia principles, is expected to contribute positively to the growth of halal businesses. The method used in this study is a qualitative approach with interviews and observations of business actors who rent shophouses in the location. The results show that the implementation of the ijarah contract provides easy access for halal industry players in obtaining business premises, as well as increasing public trust in halal products. In addition, this study also found that compliance with sharia principles in the implementation of the ijarah contract plays an important role in creating a conducive business environment. Thus, the ijarah contract has a strategic role in supporting the development of the halal industry in Bengkulu City. Keywords: Ijarah Agreement, Halal Industry, Rental.
DAMPAK GREEN SUKUK TERHADAP PERKEMBANGAN PASAR MODAL SYARIAH DI INDONESIA Indra Saputra; Desi Isnaini; Yetti Afrida Indra
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 2 (2026): Januari
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.v7i2.65783

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis dampak penerbitan green sukuk terhadap perkembangan pasar modal syariah di Indonesia. Latar belakang penelitian didasarkan pada meningkatnya kebutuhan pembiayaan berkelanjutan yang sejalan dengan prinsip syariah serta peran strategis green sukuk sebagai instrumen keuangan hijau sejak pertama kali diterbitkan oleh Pemerintah Indonesia pada tahun 2018. Kajian teori dalam penelitian ini meliputi teori pasar efisien, teori behavioral finance, teori investasi Keynes, dan teori portofolio Markowitz yang digunakan untuk menjelaskan respons pasar dan perilaku investor terhadap penerbitan green sukuk. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder periode 2018–2024 yang diperoleh dari Otoritas Jasa Keuangan, Bursa Efek Indonesia, dan Kementerian Keuangan. Metode analisis data yang digunakan adalah uji validitas dan reliabilitas, uji asumsi klasik, serta analisis regresi linier dengan pengujian hipotesis melalui uji F, uji t, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa penerbitan green sukuk berpengaruh signifikan terhadap pertumbuhan jumlah investor syariah, volume perdagangan, dan kapitalisasi pasar modal syariah di Indonesia. Temuan ini mengindikasikan bahwa green sukuk berperan penting dalam mendorong pendalaman dan keberlanjutan pasar modal syariah. Penelitian ini menyimpulkan bahwa green sukuk merupakan instrumen strategis dalam mendukung pengembangan pasar modal syariah yang berkelanjutan di Indonesia. Kata Kunci: Green Sukuk, Pasar Modal Syariah, Investor Syariah, Volume Perdagangan, Kapitalisasi Pasar   Abstract This study aims to analyze the impact of green sukuk issuance on the development of the Islamic capital market in Indonesia. The research is motivated by the increasing demand for sustainable financing instruments that are aligned with Sharia principles, as well as the strategic role of green sukuk since its first issuance by the Indonesian government in 2018. The theoretical framework is based on the Efficient Market Hypothesis, Behavioral Finance Theory, Keynesian Investment Theory, and Markowitz’s Portfolio Theory, which explain market responses and investor behavior toward green sukuk issuance. This study employs a quantitative approach using secondary time-series data for the period 2018–2024 obtained from the Financial Services Authority, the Indonesia Stock Exchange, and the Ministry of Finance. Data analysis methods include validity and reliability tests, classical assumption tests, and linear regression analysis with hypothesis testing through F-test, t-test, and coefficient of determination. The results indicate that green sukuk issuance has a significant effect on the growth of Sharia-compliant investors, trading volume, and Islamic capital market capitalization in Indonesia. These findings suggest that green sukuk plays a crucial role in strengthening market depth and promoting sustainable development within the Islamic capital market. This study concludes that green sukuk is a strategic financial instrument in supporting the sustainable growth of the Islamic capital market in Indonesia. Keywords: Green Sukuk, Islamic Capital Market, Sharia Investors, Trading Volume, Market Capitalization
ANALISIS FAKTOR YANG MEMPENGARUHI PERILAKU BERUTANG MASYARAKAT MUSLIM DI KECAMATAN SELEBAR wahyunita sari, sherly; Desi Isnaini; Herlina Yustati
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/rchdz615

Abstract

This study aims to analyze the influence of economic needs, credit availability, and environmental factors on the debt behavior of Muslim customers of PNM Mekaar in Bengkulu City. This study uses a quantitative approach with an explanatory research type. Data were obtained from 80 respondents selected using a purposive sampling technique, with the criteria being active Muslim female customers who have taken out financing. Data collection was carried out by distributing questionnaires with a five-point Likert scale. Data analysis was carried out using IBM SPSS Statistics through validity tests, reliability tests, classical assumption tests, and multiple linear regression analysis. The results show that economic needs have a positive and significant effect on debt behavior, indicating that pressures for household needs and business capital encourage people to use financing as a financial solution. Credit availability also has a positive and significant effect on debt behavior, indicating that easy access to PNM Mekaar financing increases people's tendency to borrow. Conversely, environmental factors have a negative and significant effect on debt behavior, indicating that a good social and family environment can reduce the tendency to borrow. Overall, this study confirms that economic factors act as the main driver of debt behavior, while environmental factors function as a controller, in line with Islamic economic principles which emphasize caution and responsibility in debt.
ANALISIS PENERAPAN NILAI-NILAI ETIKA BISNIS ISLAM DALAM PELAYANAN HOTEL LATANSA NUANSA SYARIAH KOTA BENGKULU Lisa Triani; Desi Isnaini; Andi Cahyono
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 3 (2026): April
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.v7i3.65978

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis penerapan nilai-nilai etika bisnis Islam dalam pelayanan Hotel Latansa Nuansa Syariah Kota Bengkulu. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif melalui observasi, wawancara, dan dokumentasi terhadap manajemen, karyawan, serta tamu hotel. Hasil penelitian menunjukkan bahwa hotel telah menerapkan beberapa nilai etika bisnis Islam, seperti keadilan dalam pelayanan, tanggung jawab dalam menjaga kualitas kebersihan dan kenyamanan tamu, serta penerapan prinsip ihsan melalui keramahan dan sikap profesional karyawan. Namun, terdapat beberapa aspek yang belum sepenuhnya sesuai prinsip syariah, seperti belum terpisahnya area wudhu laki-laki dan perempuan, serta belum tersedianya kantin halal di dalam lingkungan hotel. Faktor kendala lainnya adalah kurangnya pemahaman sebagian karyawan baru mengenai prinsip etika bisnis Islam. Meskipun demikian, pihak hotel melakukan pelatihan rutin untuk meningkatkan pemahaman karyawan terhadap nilai-nilai syariah. Secara keseluruhan, penerapan etika bisnis Islam di hotel ini sudah berjalan cukup baik, namun masih memerlukan peningkatan terutama pada aspek fasilitas dan sertifikasi halal. Kata Kunci: Etika Bisnis Islam, Pelayanan Hotel Syariah, Nilai-Nilai Syariah.   Abstract This study aims to analyze the implementation of Islamic business ethics values in the services of Hotel Latansa Nuansa Syariah in Bengkulu City. This research employs a qualitative descriptive method through observation, interviews, and documentation with hotel management, employees, and guests. The findings indicate that the hotel has implemented several Islamic business ethics values, such as fairness in service, responsibility in maintaining cleanliness and guest comfort, and the principle of ihsan through the hospitality and professionalism of its staff. However, several aspects have not fully met sharia principles, such as the non-separated ablution areas for men and women and the absence of an internal halal-certified canteen. Another challenge is the limited understanding of sharia-based ethics among newly employed staff. Nevertheless, the hotel regularly conducts training sessions to enhance employee competence regarding Islamic ethical values. Overall, the implementation of Islamic business ethics at the hotel is considered good, although improvements are still needed, particularly in the area of facilities and halal certification. Keywords: Islamic Business Ethics, Sharia Hotel Services, Sharia Values.
Peran Akad Mudharabah Pada Sistem Kerja Sama Di Showroom Kevin Motor Bengkulu Ceksa Arianda; Desi Isnaini; Makmur Makmur
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 1: November 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i1.11731

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana peran akad mudharabah dalam sistem kerja sama di showroom Kevin motor Bengkulu serta untuk mengidentifikasi tantangan dan kendala yang dihadapi dalam meningkatkan pendapatan dan kelancaran operasional usaha. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Data diperoleh melalui observasi dan wawancara langsung dengan dua informan utama, yaitu pemilik modal (shahibul mal) dan pengelola modal (mudharib). Pemilihan informan dilakukan dengan teknik purposive sampling, dengan pertimbangan bahwa keduanya merupakan pihak yang terlibat langsung dalam praktik akad mudharabah di showroom Kevin motor Bengkulu. Hasil penelitian menunjukkan bahwa akad mudharabah menjadi dasar utama dalam membangun hubungan kerja sama yang adil dan saling menguntungkan. Pemilik modal menyediakan seluruh dana untuk pengadaan motor bekas, sementara pengelola bertanggung jawab penuh atas operasional usaha, mulai dari pembelian unit motor, perawatan, pemasaran, hingga penjualan. Prinsip amanah, kejujuran, dan profesionalitas menjadi kunci dalam menjaga kelancaran akad ini. Adapun tantangan yang dihadapi meliputi keterlambatan perputaran modal akibat lesunya pasar, meningkatnya persaingan bisnis, serta potensi penyalahgunaan dana jika tidak dikelola dengan amanah dan transparan. Dengan demikian, akad mudharabah berperan penting tidak hanya dalam aspek pembiayaan usaha tanpa riba, tetapi juga dalam menciptakan transparansi, dan keadilan.
Dampak Pencemaran Limbah Pabrik Tahu Terhadap Kondisi Sosial Ekonomi Masyarakat Kelurahan Sukarami dan Kelurahan Betungan Kota Bengkulu Ditinaju Dari Ekonomi Islam Nur Yunisyah; Desi Isnaini; Khairiah Elwardah
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 3 (2022): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v3i3.1022

Abstract

Tujuan penelitian ini adalah untuk mengetahui dampak pencemaran limbah pabrik tahu terhadap kondisi sosial ekonomi masyarakat Kelurahan Sukarami dan Kelurahan Betungan Kota Bengkulu Ditinjau dari Ekonomi Islam. Penelitian ini merupakan jenis penelitian lapangan (field research) dengan pendekatan metode kualitatif. Hasil penelitian disimpulkan bahwa dampak positif limbah ampas pabrik tahu yang berupa kulit kedelai masih dapat dimanfaatkan sebagai pakan ternak serta pencampuran pupuk organic.Sedangkan dampak negatif dari limbah pabrik tahu yaitu terjadinya pencemaran yang menyebabkan air sungai berubah warna dan berbuih putih, serta menimbulkan bau yang tidak sedap sehingga mengganggu masyarakat yang tinggal di sekitar pabrik tersebut.
Analysis of Differences in Consumer Perceptions of Service Quality from an Islamic Perspective (Study of Panorama Traditional Markets and Hypermart Modern Markets) Nana Aprina; Desi Isnaini; Faisal Muttaqin
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1192

Abstract

The purpose of this research is to determine the differences in consumer perceptions of service quality, namely: the direct evidence dimension (tangibles), the reliability dimension, the responsiveness dimension, the assurance dimension, and the empathy dimension in the traditional market "Panorama ” and the Modern Market “Hypermart”. To test this, researchers used quantitative methods with primary data collection techniques in the form of questionnaires distributed to 200 respondents. The data analysis technique used is an independent sample t-test using the SPSS version 25 program. From the results of the research and discussion, it was found that differences in consumer perceptions of service are found in the dimension of attention (empathy) with a significance value (sig-2-tailed) of 0.003 for the empathy variable. at a significance level of 5% this value is significant because the significance is 0.003 > 0.05 and for the dimensions of tangibles, reliability, responsiveness, and assurance there is no difference in perception because the significance value is greater than 0.05. With this research, it is known that there are differences in perceptions in the empathy dimension and it is hoped that this can become a benchmark for improving service performance.
Analysis of Service Quality at Islamic Banks in Bengkulu City (Study at BSI Bank KC S. Parman 1) Khodijah Anugrah Mahesa; Desi Isnaini; Pahrudin
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 1 (2025): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i1.1226

Abstract

The aim of this research is to determine the service quality of Bank Syariah Indonesia KC S. Parman 1 Bengkulu. This research is field research using a descriptive qualitative approach. The data sources used in this research are primary data and secondary data. The data analysis technique used is data reduction, data presentation and drawing conclusions. The results of this research indicate that the services at the Indonesian sharia bank KC S. Parman 1 Bengkulu provide services for customers. This is demonstrated through 5 (five) factor dimensions, namely: tangible (physical evidence), Reability (reliability), Responsiveness (responsiveness), Assurance (guarantee) and Empaty (empathy). The results of this research indicate that the service quality of Bank BSI KC S. Parman 1 is quite satisfactory for customers. However, there are still several factors that can be improved, such as the mobile banking network which often has problems and the lack of ATM machine support. On the other hand, Bank BSI KC S. Parman 1 has carried out improvements and improvements to the facilities and services provided to customers every year.
Sosialisasi Literasi Keuangan Syariah bagi Pelaku UMKM melalui Pendekatan Participatory Action Research di Desa Batu Gajah Sintia Karisma Anisa; Desi Isnaini; Miko Polindi
Nusantara: Jurnal Pengabdian kepada Masyarakat Vol. 6 No. 3 (2026): Agustus: NUSANTARA Jurnal Pengabdian Kepada Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/nusantara.v6i3.10100

Abstract

This community service program aimed to improve Islamic financial literacy among Micro, Small, and Medium Enterprises (MSMEs) in Batu Gajah Village, Rupit District, North Musi Rawas Regency. The program was motivated by the limited understanding of MSME actors regarding financial management based on Islamic principles and the continued practice of interest-based financing. The program employed a Participatory Action Research (PAR) approach involving 23 MSME participants through initial mapping, socialization, practical assistance, and handbook distribution. The results demonstrated improved participant understanding of the prohibition of riba, gharar, and maysir, as well as the importance of maintaining simple and systematic business financial records. Collaboration with Bank Syariah Indonesia supported the delivery of relevant and credible educational materials. The handbook provided during the program served as an effective educational medium for continuous learning. The program demonstrated that a participatory approach can improve MSME actors’ understanding and awareness of Islamic financial principles. The activity is expected to encourage more responsible financial behavior and expand access to Islamic financial services at the community level. Furthermore, sustained mentoring and periodic evaluation are recommended to ensure that the knowledge gained is consistently applied in daily business financial management.
Pendampingan Marketing dan Peningkatan Jiwa Usaha Bagi Pelaku Kerajinan Tangan Mikro Berbasis Nilai Islam di Kabupaten Seluma Bella Oktapia; Desi Isnaini; Yenti Sumarni
Faedah: Jurnal Hasil Kegiatan Pengabdian Masyarakat Indonesia Vol. 4 No. 3 (2026): Agustus: Jurnal Hasil Kegiatan Pengabdian Masyarakat Indonesia
Publisher : FKIP, Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/faedah.v4i3.2003

Abstract

This community service activity was carried out to support the development of a handicraft business made of feather wire in Pagar Village, Ulu Talo District, Seluma Regency. The household business has considerable market potential, but is still limited to conventional word-of-mouth marketing and has not fully implemented Islamic economic principles. The purpose of the activity is to improve the ability of business actors to utilize digital marketing, foster a creative and independent entrepreneurial spirit, and internalize the values of honesty, trust, and responsibility according to Islamic microeconomic principles. The method used is Community Based Research (CBR) by actively involving business actors starting from problem identification, counseling, assistance in creating Facebook and Shopee accounts, simple financial recording training, to evaluation of results. The target of the activity includes a fur wire craft business unit and surrounding housewives. The results of the activity showed an increase in business actors' understanding of digital marketing strategies, the formation of promotional accounts on social media and marketplaces, an improvement in financial recording skills, and the growth of motivation and confidence in entrepreneurship. These findings confirm that community-based mentoring is effective in encouraging the transformation of home-based MSMEs towards a more competitive and blessed business.
Co-Authors Ade Riang Agustina, Selvy Amimah Oktarina Anisa Pita Loka Arianda, Ceksa Badaruddin Nurhab Bella Oktapia Ceksa Arianda Cici Yulaika Andriani Epen Triansah Evan Setiawan Faisal Muttaqin Heni Pujiastuti Herlina Yustati Indra Saputra Katra Pramadeka Khairiah Elwardah Khodijah Anugrah Mahesa Kustin Hartini Lisa Triani Listi Wahyu Ningsi Maharani Permatasari Majerin Efendi Makmur Makmur Makmur Makmur Miko Polindi Nana Aprina Napiatun Mahmudah Nur Yunisyah Pahrudin Sintia Karisma Anisa Siti Faujiah Wahyunita Sari, Sherly Yenti Sumarni Yesi Oska Nipia Yetti Afrida Indra Yolsa Agustio Yunida Een Friyanti Yunida Een Fryanti