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All Journal Jurnal Pengolahan Hasil Perikanan Indonesia Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MEDIA MANAJEMEN JASA Journal of Islamic Economics and Philanthropy Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) IBDA': Jurnal Kajian Islam dan Budaya Economic Reviews Journal NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Sharia Economic and Management Business Journal (SEMBJ) Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Journal of Sharia and Legal Science At Tawazun Jurnal ekonomi Islam Proceeding of International Conference on Cultures & Languages
Nurul Hak
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Entrepreneur dan Network dalam Pertumbuhan UMKM (Studi Kasus Usaha Pabrik Tahu di Desa Lubuk Sahung Seluma) Melica Maharani; Nurul Hak; Yenti Sumarni
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.v10i3.26646

Abstract

Penelitian ini bertujuan untuk mengkaji peran entrepreneur dan jaringan (network) dalam mendorong pertumbuhan Usaha Mikro, Kecil, dan Menengah (UMKM), dengan studi kasus pada usaha pabrik tahu Nelis Nurhasana di Desa Lubuk Sahung, Kabupaten Seluma. Metode yang digunakan adalah kualitatif dengan pendekatan deskriptif analitik, yang melibatkan observasi, wawancara, dan dokumentasi terhadap pelaku usaha. Hasil penelitian menunjukkan bahwa peran wirausaha sangat signifikan dalam mengembangkan UMKM, terutama melalui inovasi produk, peningkatan kapasitas produksi, pemanfaatan teknologi, dan strategi pemasaran digital. Jaringan usaha juga terbukti mempengaruhi pertumbuhan UMKM secara positif melalui hubungan dengan pelanggan, pemasok, sesama pelaku usaha, serta pemanfaatan media sosial dan promosi dari mulut ke mulut. Kombinasi antara kemampuan kewirausahaan dan kekuatan jaringan mampu meningkatkan daya saing serta memperluas jangkauan pasar UMKM lokal. Penelitian ini menegaskan pentingnya sinergi antara entrepreneurship dan networking sebagai strategi pertumbuhan UMKM, khususnya di sektor pangan tradisional di daerah pedesaan.
Tinjauan Ekonomi Islam Terhadap Konsep Program Keluarga Harapan (PKH) dan Dampaknya Terhadap Pembangunan Ekonomi Umat di Desa Lubuk Unen Kabupaten Bengkulu Tengah Dhina Wanti Lorenza; Nurul Hak; Uswatun Hasanah
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.v10i4.27565

Abstract

Penelitian ini bertujuan untuk menganalisis konsep dan pelaksanaan Program Keluarga Harapan (PKH) di Desa Lubuk Unen Kabupaten Bengkulu Tengah dari perspektif ekonomi Islam, serta mengevaluasi dampaknya terhadap pembangunan ekonomi umat. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan teologis dan fenomenologis. Data diperoleh melalui observasi, wawancara mendalam, dan dokumentasi dengan informan dari pihak desa, pendamping PKH, dan penerima manfaat. Hasil penelitian menunjukkan bahwa PKH di Desa Lubuk Unen telah dilaksanakan melalui tiga tahapan utama: identifikasi dan seleksi penerima, sosialisasi dan pendampingan, serta pencairan bantuan. Program ini dinilai sesuai dengan prinsip-prinsip ekonomi Islam seperti tauhid, keadilan (‘adl), tolong-menolong (ta’awun), kemaslahatan (maslahah), pengelolaan (khalifah), dan pemberdayaan (tamkin). Dampak positif PKH terhadap pembangunan ekonomi umat meliputi peningkatan pendapatan keluarga, kemandirian ekonomi, penurunan angka pengangguran, pemberdayaan ekonomi, serta peningkatan akses terhadap pendidikan dan kesehatan. Dengan demikian, PKH tidak hanya efektif dalam mengentaskan kemiskinan, tetapi juga sejalan dengan nilai-nilai syariah Islam dalam membangun kesejahteraan umat secara berkelanjutan
Analisis Penerapan Prinsip-Prinsip Ekonomi Syariah pada Pedagang di Taman Merdeka Kota Manna Kabupaten Bengkulu Selatan Emelia Kontesa; Nurul Hak; Padlim Hanif
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.v4i3.822

Abstract

This research aims to understand the application of Islamic economic principles in trading activities at Taman Merdeka, Kota Manna, and to identify the factors influencing the implementation of these principles in the trading activities at Taman Merdeka, Kota Manna. The method employed in this study is a qualitative approach, with data collection conducted through observation, interviews, and documentation. Data analysis is performed using the Miles and Huberman model.This study analyzes the application of Islamic economic principles among traders at Taman Merdeka, Kota Manna. The findings indicate that traders generally have implemented Islamic economic principles, such as honesty, justice, and avoidance of usury, although their theoretical understanding of these concepts remains limited. The application of these principles is supported by religious awareness, business ethics, a culture of solidarity, as well as supervision and communication among business actors. However, traders also face challenges, such as economic pressure and a lack of understanding of Islamic economic terminology. Nevertheless, they remain committed to maintaining honesty and viewing trading activities as a form of worship in order to achieve blessings in their endeavors.
Literasi Keuangan dan Kesadaran Finansial Terhadap Minat Berinvestasi Mahasiswa Ekonomi Syariah (Peran Keterbukaan Terhadap Pengalaman Baru) Umi Lailatul Qodriah; Nurul Hak; Muhamad Irpan Nurhab
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.v10i4.27810

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan kesadaran finansial terhadap minat berinvestasi mahasiswa ekonomi syariah, serta mengeksplorasi peran keterbukaan terhadap pengalaman baru sebagai variabel moderasi. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik survei melalui penyebaran kuesioner kepada 75 mahasiswa tingkat akhir Program Studi Ekonomi Syariah di Universitas Islam Negeri Fatmawati Sukarno Bengkulu. Analisis data dilakukan menggunakan regresi linier berganda dan uji moderasi. Hasil penelitian menunjukkan bahwa literasi keuangan dan kesadaran finansial berpengaruh positif dan signifikan terhadap minat berinvestasi mahasiswa. Selain itu, keterbukaan terhadap pengalaman baru terbukti memperkuat hubungan tersebut. Temuan ini menunjukkan bahwa aspek psikologis seperti keterbukaan terhadap pengalaman baru perlu diperhatikan dalam upaya meningkatkan minat investasi mahasiswa, khususnya dalam konteks ekonomi syariah.
Peranan Home Industry Kerupuk LIA JAYA Terhadap Tingkat Kesejahteraan Masyarakat dalam Perspektif Ekonomi Islam (Studi Kasus: Masyarakat Desa Pasar Pedati, Kecamatan Pondok Kelapa, Bengkulu Tengah) Dhita Amelia Puspita; Nurul Hak; Nonie Afrianty
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.v10i5.29622

Abstract

This study aims to examine the role of the Lia Jaya Crackers Home Industry in improving the welfare of the community of Pasar Pedati Village and to analyze it from the perspective of Islamic economics. Using a descriptive qualitative method through observation, in-depth interviews, and documentation, this research finds that the home industry plays an important role in providing employment opportunities for the community, particularly for women and residents affected by layoffs, thereby helping increase household income, fulfill basic needs, and improve overall quality of life. The home industry also contributes positively to social aspects by enhancing workers’ self-confidence, economic independence, and participation in productive activities, although several limitations remain, such as the absence of health insurance and formal labor protection. From the perspective of Islamic economics, the activities of the Lia Jaya Crackers Home Industry align with the principles of maslahah, justice, lawful work, and community empowerment, as it provides real benefits to society without contradicting Islamic values.
Sosialisasi Produk BSI Akad wadiah dalam Tabungan Haji bagi Masyarakat desa Pagar Banyu Kota Pagar Alam Provinsi Sumsel Rahmansyah Rahmansyah; Nurul Hak; Rahmat Putra Hasibuan
Nusantara: Jurnal Pengabdian kepada Masyarakat Vol. 6 No. 2 (2026): Mei : NUSANTARA Jurnal Pengabdian Kepada Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/nusantara.v6i2.8324

Abstract

The development of Islamic finance in Indonesia shown significant growth as alternative financial system based Islamic principles. Data from Bank Syariah Indonesia (BSI) shows the number of Hajj savings accounts reached 5.5 million accounts as of November 2024 and increased to 6.33 million in July 2025. This growth reflects the high level of public enthusiasm in preparing for Hajj funds early on through Islamic financial institutions. In various regions of South Sumatra, BSI has become one of the institutions widely used by the public to open Hajj savings accounts due to its service network and ease of access. The village of Pagar Banyu has great potential for increasing the use of Sharia-based Hajj savings, particularly through the dissemination of information about BSI products. Through appropriate outreach activities, the public can understand wadiah contracts, the benefits of hajj savings, and the process of opening an account and registering for a hajj quota. In this context, Bank Syariah Indonesia (BSI) plays an important role as it is one of the largest Islamic banks. The target audience for this outreach activity is the general public in Pagar Banyu Village, Pagaralam City, South Sumatra Province. This study aims to improve Islamic financial literacy among people Pagar Banyu Village, particularly regarding Hajj savings at BSI, by providing practical understanding of how to open a Hajj savings account, requirements, procedures, and benefits, and encouraging community to start planning for pilgrimage by saving gradually and building awareness of importance of managing finances in accordance with Islamic principles.
PENGARUH RELIGIUSITAS ISLAM, PERSEPSI RISIKO, KONTROL DIRI, KEMUDAHAN PENGGUNAAN, LITERASI KEUANGAN, DAN GAYA HIDUP HEDONISME TERHADAP KEPUTUSAN PENGGUNAAN SHOPEE PAYLATER PADA GENERASI Z DI KOTA BENGKULU Diah Restu Septawati; Nurul Hak; Miko Polindi
MEDIA MANAJEMEN JASA Vol 13, No 2 (2025): MEDIA MANAJEMEN JASA (MMJ)
Publisher : UNIVERSITAS 17 AGUSTUS 1945 jAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52447/mmj.v13i2.9152

Abstract

ABSTRAK Penelitian bertujuan untuk mengukur pengaruh religiusitas, persepsi risiko, kontrol diri, kemudahan penggunaan, literasi keuangan, dan gaya hidup hedonisme terhadap keputusan penggunaan shopee paylater. Jenis penelitian ini berupa penelitian kuantitatif dengan subjek penelitian yaitu Generasi Z yang tinggal di Kota Bengkulu dan telah kuliah. Jenis data menggunakan data primer yang bersumber dari kuisioner. Populasi penelitian ini adalah Generasi Z yang tinggal di Kota Bengkulu dan telah kuliah. Teknik pengambilan sampel yang digunakan adalah purposive sampling atau non-probability sampling, dengan jumlah sampel sebanyak 100 responden. Teknik analisis data yang digunakan adalah analisis regresi linear berganda dengan software SPSS 25. Berdasarkan hasil penelitian, diketahui bahwa religiusitas tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Persepsi risiko juga tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Sementara itu, kontrol diri berpengaruh positif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Faktor kemudahan penggunaan tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Selanjutnya, literasi keuangan berpengaruh negatif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Adapun gaya hidup hedonisme berpengaruh positif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Secara simultan berpengaruh positif dan signifikan antara religiusitas, persepsi risiko, kontrol diri, kemudahan penggunaan, literasi keuangan, dan gaya hidup hedonisme terhadap keputusan penggunaan shopee paylater.Kata Kunci: Religiusitas, Kontrol Diri,  Literasi Keuanga, Gaya Hidup Hedonisme, Keputusan Penggunaan. ABSTRACT This study aims to measure the influence of religiosity, risk perception, self-control, ease of use, financial literacy, and a hedonistic lifestyle on the decision to use Shopee PayLater. This research is quantitative in nature, with the research subjects being Generation Z living in Bengkulu City who are currently attending college. The type of data used is primary data obtained from questionnaires. The population of this study is Generation Z residing in Bengkulu City who are currently enrolled in college. The sampling technique applied is purposive sampling or non-probability sampling, with a total sample of 100 respondents. The data analysis technique used is multiple linear regression analysis with SPSS 25 software. Based on the research findings, it is revealed that religiosity does not have a significant influence on the decision to use Shopee PayLater. Risk perception also does not have a significant influence on the decision to use Shopee PayLater. Meanwhile, self-control has a positive and significant influence on the decision to use Shopee PayLater. The ease of use factor does not have a significant influence on the decision to use Shopee PayLater. Furthermore, financial literacy has a negative and significant influence on the decision to use Shopee PayLater. In addition, a hedonistic lifestyle has a positive and significant influence on the decision to use Shopee PayLater. Simultaneously, religiosity, risk perception, self-control, ease of use, financial literacy, and a hedonistic lifestyle have a positive and significant influence on the decision to use Shopee PayLater.Keywords: Religiosity, Self-Control, Financial Literacy, Hedonistic Lifestyle, Usage Decision.
Program Gerobak Uusaha BAZNAS Provinsi Bengkulu dalam Meningkatkan Kesejahteraan Mustahik di Kota Bengkulu Wiwik Dewanty; Nurul Hak; Idwal B
Sharia Economic and Management Business Journal (SEMBJ) Vol. 1 No. 3 (2020): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v1i3.95

Abstract

Tujuan dari penelitian dalam penulisan skripsi ini, yaitu (1) untuk mengetahui implementasi program gerobak usaha BAZNAS Provinsi Bengkulu, (2) untuk mengetahui dampak program gerobak usaha BAZNAS Provinsi Bengkulu. Peneliti menggunakan metode Deskriptif Kualittatif untuk mengungkapkan permasalahan tersebut secara mendalam dan menyeluruh, yang bermanfaat untuk memberi informasi, fakta dan data tentang program gerobak usaha di BAZNAS Provinsi Bengkulu dalam meningkatkan kesejahteraan mustahik di kota Bengkulu dengan melakukan wawancara secara langsung kepada pegawai BAZNAS Provinsi Bengkulu dan mustahik yang menerima bantuan program gerobak usaha. Dari hasil penelitian : (1) implementasi program bantuan gerobak usaha BAZNAS Provinsi Bengkulu sudah terlaksana dengan baik dan sesuai dengan SOP BAZNAS akan tetapi berdasarkan fakta di lapangan menunjukkan bahwa sebagian besar dari mustahik yang menerima bantuan program ini sudah bisa dikatakan sejahterah, dan sebagian kecil dari mustahik yang menerima bantuan program gerobak usaha ini masih ada yng belum sejahterah karena pendapatan mustahik hanya cukup untuk memutas modal.(2) dampak pelaksaan program bantuan gerobak dan modal usaha BAZNAS Provinsi Bengkulu terkait dengan pendapatan mustahik setelah mendapatkan bantuan program gerobak usaha, pendapatan mustahik sebagian menjadi tetap dan sebagian kecil meningkat.
Business Feasibility Study Analysis in Islamic Economics Review (Study of Marketing and Operational Management Aspects in the Mischa Crackers Industry in Kampung Melayu District) Sela Febriani; Nurul Hak; Rizky Hariyadi; Suherman
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 3 (2023): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i3.1203

Abstract

The purpose of this writing is to find out how the feasibility of business in the Mischa cracker industry in Islamic economic review in the aspects of marketing and operational management. To find out this, researchers used descriptive qualitative methods with data collection techniques and used observation, interview and documentation methods. From the results of research and discussion, it is found that it has met all the criteria for business feasibility in marketing and operational management aspects when viewed based on general economic concepts. When viewed from an Islamic point of view, the marketing aspect still has business information defects, but the business can be said to be Islamically feasible when viewed from operational management.
GLOCALIZATION OF WALI SONGO ISLAMIZATION IN 15TH – 16TH CENTURIES Nurul Hak
Vol. 2 No. 1 (2024): Proceeding of International Conference on Cultures & Language 2024 1-20
Publisher :

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/f0kjgd21

Abstract

Wali Songo’s Islamization has been identical to the Islamization of the Island of Java. This assumption, however, holds as if Wali Songo’s venture was confined locally to Java while such a process encompassed the Archipelago and beyond. This article aims to reconstruct the Wali Songo's Islamization from glocalization perspective, by involving both local and global phenomenon of the Islamization processes.To further analyze the Islamization, this study uses geo politics and cultural diffusion theories. Data in this study was collected using historical methods consisting of heuristics, source criticism, interpretation, and historiography. The results of this study showed two findings. First of all that Wali Songo Islamization constituted cosmopolitan Islam, indicated by process of Wali Songo Islamization that was not only local Java but also regional (Nusantara) and global ones.Wali Songo Islamization of local Java took the micro areas of the preaching and spreading Islam in the region, including East Java, Central Java and West Java. While the Islamization of regional and global took macro areas as the networking strategies of the preaching Islam in the region, indicated by the integration between global and local (glocalization) processes of the Islamization. Second, the glocalization of Wali Songo Islamization could be understood by emplacing the Islamization as World History of Islam in Medieval Period using multi-perspectives.
Co-Authors . Tazwir . Yuniznal Ahmad Rezy Meidina Anwar Zein Dhina Wanti Lorenza Dhita Amelia Puspita Diah Restu Septawati Dinda Difia Madina Emelia Kontesa Fadhilah, Febri Syafly Fathasyah Aulia Putri Fetri Wulandari Idwal B Junita Erliyanti Kharyn Rahmelia Kustin Hartini M. Darmawan Mega Puspita Melica Maharani Miko Polindi Mita Anggraini Muhamad Irpan Nurhab Nonie Afrianty Nurdina Purnama Sari Padlan Padil Simamora Padlim Hanif Rahmansyah Rahmansyah Rahmat Hasibuan Rahmat Putra Ahmad Hasibuan Rizky Hariyadi Sela Febriani Suci Permata Sari Suherman Tazwir Tazwir Toha Andiko Umi Lailatul Qodriah USWATUN HASANAH Wiwik Dewanty Yenti Sumarni