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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Abditani : Jurnal Pengabdian Masyarakat SELODANG MAYANG Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Journal of Social and Humanities AMNESIA (JURNAL MANAJEMEN SUMBER DAYA MANUSIA) International Journal Business, Management and Innovation Review Indonesian Development Economics and Localities Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Dharma Setiawan
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PENGUKURAN KINERJA BPRS BERDASARKAN PERSPEKTIF TAUHIDY STRING RELATION (TSR) (Studi Kasus Pada PT BPRS Muamalat Harkat Bengkulu) Dharma Setiawan; Katra Pramadeka
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 8 No 2 (2020)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2152.24 KB) | DOI: 10.37676/ekombis.v8i2.1079

Abstract

Studi mengenai manajemen atau pengelolaan kinerja suatu institusi/organisasi bisnis, telah banyak dikaji dalam berbagai riset/penelitian Terutama pengukuran kinerja pada sektor industri keuangan mikro dengan berbagai macam derivasi/turunannya yang sesuai dengan prinsip prinsip ajaran agama Islam, masih belum banyak dikaji dan dikembangkan oleh kaum Muslim. Bank Pembiayaan Rakyat Syariah (BPRS) merupakan lembaga keuangan yang bergerak dalam pelayanan keuangan masyarakat, berbasis prinsip syariah. Berdasarkan perspektif TSR, dimana setiap variabel telah mengalami proses knowledge induced-(q), dan Wellbeing selalu sebagai dependent variable. Pada prinsipnya penerapan Pengukuran Kinerja BPRS Muamalat Harkat Bengkulu dengan menggunakan perspektif atau pendekatan metodologi Tawhidy String Relation (TSR), dimana ukuran “Moralitas”, “Etika” dan “Nilai nilai Sosial” (MEN).Penelitian ini menggunakan data primer dan sekunder melalui studi kepustakaan, interviewed para pelaku, observasi, kuesioner dan data sekunder indikator BPRS, Bengkulu. Secara umum hasil pengukuran nilai (θ) sangat baik, mendekati nilai 4 dengan skala Likert(5). Nilai terbesar pada variabel aspek komunitas 3,91 dan terendah pada aspek keberlanjutan bisnis 3,83. Penjelasan yang umum BPRS memang harus dekat dengan komunitas atau warga setempat. Dan kondisi terlemah adalah tentang keberlanjutan bisnis, sebagaimana bisnis ukuran kecil pada umumnya.Nilai (θ) terkecil juga ditunjukan pada nilai pencapaian rasional yang paling kecil yaitu hanya mencapai 50. Pertumbuhan keuntungan sangat tinggi, mencapai 39%, sedangkan NPF juga sangat tinggi, hal ini mengindikasikan suatu kebijakan yang kurang cocok. Seolah shareholders menginginkan laba yang tinggi, dengan tidak mencadangkan kerugian atas NPF yang juga tinggi. Akibatnya secara logis keberlanjutan usaha menjadi dipertaruhkan.
STRATEGI MEMBANGUN PERSONAL BRANDING DALAM MENINGKATKAN PERFORMANCE DIRI DHARMA SETIAWAN
Selodang Mayang: Jurnal Ilmiah Badan Perencanaan Pembangunan Daerah Kabupaten Indragiri Hilir Vol 4 No 1 (2018): Volume 4, Nomor 1, April 2018
Publisher : Badan Perencanaan Pembangunan Daerah Kabupaten Indragiri Hilir Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47521/selodangmayang.v4i1.85

Abstract

Marketing a products needs an effective marketing strategy, with the aim that in addition to being able to meet the needs and wants of target consumers, also get positioning as well as reaching a broad market-share. Personally, everyone needs to "marketing yourself" to get a positive positioning and at the same time become top of mind in the minds of others. The process of "marketing yourself" activities can begin by building and promoting personal branding as a major part of the communication tools and processes with the target market and the general public, where their success is indicated by an optimal mind-share and heart-share; meaning the more extensive and in-depth attainment of mind-share and heart-share by a personal branding, the stronger personal branding will be, the higher the value of the person's existence and role in the mind of others, which in turn improves his performance. For example, just by mentioning a person's name, then someone else will immediately be able to imagine and explain who and how the person is. This research is a documentation study about the essence of personal branding which is analyzed by using descriptive-qualitative method.
PROGRAM PEMBERDAYAAN MASYARAKAT PESISIR DALAM MENINGKATKAN POTENSI DAN KESEJAHTERAAN HIDUP DI KELURAHAN TELUK SEPANG KOTA BENGKULU Thadi, Robeet; Qolbi Khoiri; Triyani Pujiastuti; Dharma Setiawan; Rupyanto
Jurnal Abditani Vol. 7 No. 1 (2024): April
Publisher : FAKULTAS PERTANIAN UNIVERSITAS ALKHAIRAAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31970/abditani.v7i1.280

Abstract

Kelurahan Teluk Sepang merupakan kelurahan di kecamatan Kampung Melayu kota Bengkulu yang memiliki luas 1.820 Hektar, tempatnya berada di pesisir pantai yang letaknya cukup jauh dari pusat kota. Kelurahan Teluk Sepang sebegian besar mata pencarian masyarakatnya adalah sebagai nelayan, sebagian besar masyarakat nelayan Teluk Sepang tidak begitu tersentuh akan pemenuhan kebutuhan rohani terutama pengembangan diri dan pengembangan potensi sejahtera. Untuk penyelesaian masalah yang dihadapi masyarakat dengan tim mengadakan penyuluhan pengembangan diri dan potensi sejahtera melalui bimbingan penyuluhan Islam pada komunitas nelayan Kelurahan Teluk Sepang melalui program pemberdayaan masyarakat pesisir dalam meningkatkan potensi dan kesejahteraan hidup. Model kegiatan pengabdian dengan melakukan Bimbingan penyuluhan Islam kepada komunitas nelayan di Kelurahan Teluk Sepang Kecamatan kampong Melayu, bentuk kegiatan berupa layanan informasi, layanan bimbingan kelompok, konseling kelompok dan konseling individu. Metode pengabdian yang digunakan ceramah, wawancara, diskusi dan kunjungan rumah. Hambatan yang dihadapi ada tiga yaitu motivasi masyarakat yang rendah, waktu pengabdian yang susah, dan medan atau lokasi pengabdian yang berat. Hasil dari pengabdian ini adanya pemahaman masyarakat tentang materi-materi pengembangan diri, dan pengembangan potensi berprestasi sejahtera. Selain itu hasil dari kegiatan pengabdian ini adalah meningkatnya kesadaran masyarakat untuk mengikuti kegiatan kemasyarakatan dan adanya pengentasan masalah di masyarakat baik secara individu maupun kelompok.
PENGARUH KOMPENSASI DAN FASILITAS KERJA TERHADAP SEMANGAT KERJA Dharma Setiawan; Helly Khairuddin; Leni Indriani
AMNESIA (JURNAL MANAJEMEN SUMBER DAYA MANUSIA) Vol. 1 No. 3 (2023): AMNESIA (Jurnal Manajemen Sumber Daya Manusia)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/amnesia.v1i3.109

Abstract

This research aims to analyze the influence of Compensation on Work Morale, analyze the influence of Work Facilities on Work Morale, analyze the influence of the Effect of Compensation and Work Facilities on Work Morale. The population of this study is all the Bagan Jaya village officials, Enok sub-district, totaling 91 people. The data collection method used was using a questionnaire. The data analysis technique uses SPSS Version 26. Based on the research results, it is concluded that there is a significant influence of compensation on the work spirit of village officials. There is a significant influence of facilities on the work morale of village officials. There is a significant influence of the work morale variable on the compensation and facilities variables.
ANALISIS PEMBIAYAAN MURABAHAH PADA KOPERASI JASA BERKAH BERSAMA SYARIAH KOTA BENGKULU Mukadar, Amir; Dharma Setiawan; Nazar; Muhammad Said Romadhon
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 6 No. 2 (2023): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v6i2.5593

Abstract

Cooperative is an institution in the form of economic organization owned and operated by its members. The main goal of cooperatives is to improve the welfare of members through cooperation and active participation in economic endeavors. The sharia cooperative is a form of cooperative that operates based on sharia principles. These principles cover the aspects of finance, transactions and Islamic values that are recognized globally. In implementing sharia cooperative financing, it must comply with syar'i aspects and economic aspects, which means that in every realization of financing to members of sharia cooperatives it must still be guided by Islamic law, including not containing elements of gharar, maysir, and usury and the business sector is halal, while still considering the acquisition of profits for sharia cooperatives and the members themselves. This research is a field research that uses a qualitative descriptive method. Where the data sources are primary and secondary obtained by interviews, observation and documentation. Data processing begins with correcting the data, followed by rearranging the data and analyzing existing data in order to find results as answers to the problem formulation. Based on the research results, the Bengkulu City Sharia Berkah Bersama cooperative provides murabahah contract financing to its members in accordance with the DSN-MUI Fatwa which regulates the conditions for murabahah financing, such as making a contract that is free of usury, purchasing goods on behalf of the cooperative, and conveying information regarding purchases to members.
Analysis of the Application of Islamic Business Ethics Values in Shari`Ah Hotels in the City Marini Marini; Rapi Rapi; Dharma Setiawan
International Journal Business, Management and Innovation Review Vol. 2 No. 2 (2025): : International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i2.141

Abstract

The main purpose of this study is to determine the ethical values of Islamic business that have been applied to sharia hotels in Bengkulu City, and to find out whether Syari`ah Hotels in Bengkulu City have followed the Minister of Tourism and Creative Economy Regulation No. 2 of 2014 regarding guidelines for the implementation of Sharia Hotels. This type of research is a qualitative approach. The method used in this research is descriptive method. The population in this study were all managers and employees of sharia hotels in Bengkulu City. Based on research on the Analysis of the Application of Islamic Business Ethical Values at Syari`a Hotels in Bengkulu City, it can be concluded that sharia hotels in Bengkulu City have implemented Islamic business ethics principles, such as Unity (Tawhid/unity), Balance ( Equilibrium/fair), Free Will (Free Will), Responsibility (Responsibility), Truth (Truth, Goodnes, Honesty). However, from the aspect of products, services and management, they have not fully followed the Regulation of the Minister of Tourism and Creative Economy No. 2 of 2014, there are still aspects that have not been fulfilled, as evidenced by the fact that they have not received a Sharia Hotel Business certificate from the National Sharia Council of the Indonesian Ulema Council.
Analysis Of Financing Procedures At The Kencana Ketahun Berkah Sejahtera Sharia Savings And Loan Cooperative (KKBS) Ketahun District North Bengkulu Ummul Khair; Chairul Suhendra; Dharma Setiawan; Amir Mukadar
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 5 No. 1 (2024): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v5i1.1551

Abstract

Achievements in terms of providing financing to Cooperative members are notregardlessfrom the role of Cooperative administrators and managers in terms of carrying out/implementing proceduresproviding financing (loans) to members . ProcedureProviding financing is a rule or provisionmade by the management and approved by the Supervisor which is used as a guideline for the management/managers in carrying out their duties so that they can reduce one of the financing risks, namely avoiding or reducing bad financing (problems). With the existence of procedures for providing financing, it is hoped that the financing (loan) can be returned according to the agreement or it could also mean thatprocedureProviding financing requires members who receive financing facilities topay off the financing accordinglyagreementwithgiverloanalong with profits for the cooperative in the form of Ujrah, Margin or profit sharing according to the financing agreementset.ForThat adminis trator cooperative mustoperate procedur eproviding financing (loans) so thatits membersresponsibleresponsible for the financing (loan) received and making payments in accordance with the provisions or contracts that have been mutually agreed upon. The aim of this researcher is to: (a) know the procedureproviding financing to the Kecana Ketahun Berkah Sejahtra Savings and Loans and Sharia Financing cooperative (KKBS), (b) requirementswhat must be fulfilled by Kopeasi members to apply for financingon Cooperative . Save Kencana Sharia loans and financing for a Prosperous Blessing Year (KKBS) .MethodstudyWhichused in this research is qualitative. With this type of approachused is the phenomenology of procedures for providing financing toCooperativeSave Kencana Kertahun Berkah Sejahtera (KKBS) sharia borrowing and financing (KKBS) Ketahun District, North Bengkulu Regency .Andin formant Whichuse dismember Cooperative Andand management of the Savings CooperativeBorrowing and sharia financing for Kencana Ke Tahun Berkah Sejahtera (KKBS) . The results of this research show that the procedures for providing financing inCooperativeSave KKBS Sharia loans and financing are still availablethere islackfromstandardcredit granting procedures that always pay attention to the element of prudence. Meanwhilepro blemsmain Which thereisin procedure giving creditin Cooperative Save Kencana Ketahun Berkah Sejahtera sharia loans, Ketahun District, North Bengkulu Regency are: a) A photocopy of the KTP of the spouse of the member applying for financing (husband or wife) is not required. b) A letter of approval from the partner (husband or wife) is not required. there is proof of payment of PBB (Land and Building Tax) if the member provides collateral in the form of a Certificate of Ownership (SHM) d) There is no requirement for a power of attorney to guarantee if the collateral used is still in the name of another person e) There is no weighting or scoring in the method of determining a member's eligibility. using the 5 C method .
Islamic Social Entrepreneurship as a Catalyst for Poverty Alleviation: A Qualitative Study on Community-Based Empowerment Amir Mukadar; Dharma Setiawan
Journal of Social and Humanities Vol. 2 No. 2 (2024): July-December
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/jsh.v2i2.649

Abstract

Islamic social entrepreneurship has gained increasing attention as a value-based approach to poverty alleviation in Muslim-majority societies. However, limited empirical research has examined how Islamic social enterprises translate religious values into governance practices, empowerment mechanisms, and sustainable community development. This study investigates Islamic social entrepreneurship as a mechanism of community-based empowerment in Bengkulu Province, Indonesia. Using an interpretivist qualitative approach and a multi-site case study design, data were collected from six Islamic social enterprises through semi-structured interviews, field observations, and documentary analysis. A total of 34 participants were involved, comprising enterprise practitioners, community beneficiaries, religious leaders, and local government representatives. Thematic analysis identified four major findings. First, Islamic ethical values such as falah, maslahah, amanah, and ‘adl shaped enterprise governance when they were institutionalised in decision-making, accountability, and resource allocation. Second, empowerment emerged as a multidimensional process involving economic capability, social recognition, moral legitimacy, and community participation. Third, Islamic social enterprises faced persistent tensions between social mission, financial viability, and Shari’a-compliant operational models. Fourth, regulatory ambiguity, limited access to Islamic capital, and managerial capacity gaps constrained institutional sustainability and scalability. The study contributes to Islamic social entrepreneurship literature by demonstrating that religious values become transformative only when embedded in participatory governance, sustained mentoring, and supportive institutional ecosystems.
Navigating the Halal Traceability in Global Supply Chains: Deep Insights from Small-Scale Food Producers Aan Zulyanto; Dharma Setiawan
Indonesian Development Economics and Localities Vol. 1 No. 1 (2025): January-June
Publisher : Future Techno-Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/swgkc840

Abstract

The global halal food industry has experienced rapid expansion, driven by growing Muslim populations and increasing consumer demand for certified halal products. Despite this growth, small-scale food producers continue to face significant challenges in implementing effective halal traceability systems within complex global supply chains. This study investigates the traceability challenges encountered by small-scale food producers in Indonesia, with broader implications for the global halal food sector. Employing a qualitative research design, data were collected through in-depth semi-structured interviews with fifteen small-scale halal food producers in Bengkulu Province, Indonesia. Thematic analysis was applied to identify key patterns and themes from the data. The findings reveal four major themes: (1) systemic traceability challenges related to documentation and supply chain visibility; (2) difficulties in accessing and maintaining halal certification; (3) limited adoption of digital technologies for traceability management; and (4) trust and integrity issues across the supply chain. This study concludes that targeted policy interventions, technology capacity-building programs, and streamlined certification processes are essential to support small-scale producers in achieving robust halal traceability. The findings contribute to the growing body of halal supply chain literature and offer practical implications for industry stakeholders and policymakers.
Reimagining Islamic Microfinance in the Age of AI:A Qualitative Exploration of Human-Centric Sharia Banking Marini, Marini; Dharma Setiawan
Indonesian Development Economics and Localities Vol. 1 No. 2 (2025): July-December
Publisher : Future Techno-Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/3795zk28

Abstract

The rapid integration of artificial intelligence (AI) into global financial systems presents both transformative opportunities and profound ethical challenges for Islamic microfinance institutions. This study explores the intersection of AI-driven financial technologies and the foundational principles of Sharia-compliant banking, with particular emphasis on the preservation of human-centric values embedded in Islamic economic thought. Drawing on qualitative data gathered through in-depth interviews with Islamic microfinance practitioners, Sharia scholars, financial technology experts, and end-users in Indonesia, this research employs thematic analysis to identify critical tensions and synergies between algorithmic efficiency and the ethical imperatives of maqasid al-Shariah. Four principal themes emerge from the analysis: (1) the efficiency–humanity tension in AI deployment; (2) ethical concerns surrounding algorithmic bias and data privacy; (3) the dynamics of customer trust in digitised Islamic finance; and (4) the challenges of maintaining Sharia compliance within automated systems. The findings suggest that while AI holds considerable promise for enhancing financial inclusion and operational efficiency, its uncritical adoption risks eroding the relational, compassionate, and justice-oriented ethos that distinguishes Islamic microfinance. This article argues for a deliberate, values-driven framework that positions human welfare at the centre of any technological transition in Sharia banking.
Co-Authors Aan Zulyanto, Aan Chairul Suhendra Helly Khairuddin Katra Pramadeka Leni Indriani Marini . Marini Marini Muhammad Said Romadhon Mukadar, Amir Nazar QOLBI KHOIRI Rapi Rapi Robeet Thadi Rupyanto Triyani Pujiastuti Ummul Khair