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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL PENGABDIAN KEPADA MASYARAKAT JABE (Journal of Applied Business and Economic) El-Iqtishady Jurnal Aghniya Jurnal Pengabdian Mandiri Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS JSE: Jurnal Sharia Economica Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Jurnal Media Akademik (JMA) Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Ekonomi dan Pembangunan Indonesia Jurnal Manajemen Bisnis Era Digital Jurnal Bisnis, Ekonomi Syariah dan Pajak Bersama : Jurnal Pengabdian Masyarakat Journal of Ekonomics, Finance, and Management Studies Jurnal Pengabdian Cendekia
Herlina Yustati
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Edukasi Menuju Kesadaran Berhaji dan Umrah: Upaya Meningkatkan Pemahaman Masyarakat Desa Pajar Bulan Kecamatan Kedurang Kabupaten Bengkulu Selatan Lila Peptiana; Khairiah Elwardah; Herlina Yustati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30402

Abstract

Pengabdian ini bertujuan untuk meningkatkan pemahama dan kesadaran masyarakat Desa Pajar Bulan, Kecamatan Kedurang, Kabupaten Bengkulu Selatan mengenai ibadah haji dan umrah. Latar belakang kegiatan ini didasarkan rendahnya pemahaman Masyarakat. Kegiatan ini Menggunakan metode Community-Based Research (CBR) yang melibatkan masyarakat secara aktif mulai dari identifikasi masalah, perencanaan kerjasama dengan Travel Haji dan Umrah PT Sianok Indah Holiday, pelaksanaan dengan peserta 20 orang dan evaluasi kegiatan. Hasil kegiatan menunjukkan bahwa 88% peserta memahami perbedaan rukun dan ketentuan ibadah haji dan umrah, meningkatnya motivasi spiritual masyarakat, serta adanya warga yang mulai mendaftar umrah setelah mengikuti kegiatan. Selain itu masyarakat menjadi lebih selektif dalam memilih biro perjalanan dan memahami pentingnya kesiapan spiritual, finansial, dan kesehatan. Kegiatan ini berhasil memberikan dampak positif terhadap peningkatan pengetahuan, literasi keagamaan, serta kesiapan masyarakat dalam melaksanakan ibadah haji dan umrah secara benar, aman, dan sesuai syariat.
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.
Pengaruh Literasi Keuangan Syariah, Teknologi Finansial Berbasis E-Wallet, dan Gaya Hidup Halal, Terhadap perilaku konsumsi Islami pada Generasi Z di Kota Bengkulu Puspitasari, Nanda; Herlina Yustati; Khozin Zaki
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30307

Abstract

This study aims to determine the effect of Islamic financial literacy, e-wallet-based financial technology, and halal lifestyle on Islamic consumption behavior among Generation Z in Bengkulu City. The background of this study is based on the many recent phenomena related to consumption behavior, including impulsive shopping, where some individuals, especially Generation Z, tend to buy goods excessively through online shopping due to the temptation of discounts or flash sales even though the goods are not necessarily needed. The data obtained from this study comes from a questionnaire that has been distributed to Generation Z in Bengkulu City who have used E-wallet. The sample was taken using a purposive sampling technique. This study uses a quantitative method using d3escriptive statistical analysis, validity tests, reliability tests, classical assumption tests, linearity tests, multiple linear regression analysis, and hypothesis testing. The results of this study indicate that the variables of Islamic financial literacy and halal lifestyle have a positive and significant relationship with Islamic consumption behavior among Generation Z in Bengkulu City, while E-wallet-based Financial Technology does not have a significant influence on Islamic consumption behavior among Generation Z in Bengkulu City
Pengaruh Influencer dan Religiusitas Terhadap Brand Switching Behavior pada Generasi Z di Kota Bengkulu Niken Oktavia; Herlina Yustati; Badaruddin Nurhab
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30653

Abstract

The development of social media has increased the role of influencers in shaping Generation Z’s consumption behavior, particularly in the highly competitive cosmetics industry. On the other hand, religiosity represents a value-based factor that potentially influences consumers’ decisions to engage in brand switching. This study aims to analyze the effects of influencers and religiosity on brand switching behavior among Generation Z in Bengkulu City, both partially and simultaneously. The study adopts a quantitative approach with a causal associative research design. Data were collected through questionnaires distributed to 100 Generation Z respondents and analyzed using multiple linear regression with the assistance of SPSS version 18.The results indicate that influencers have a positive and significant effect on brand switching behavior. Religiosity also has a positive and significant effect on brand switching behavior. Simultaneously, influencers and religiosity significantly influence brand switching behavior, with an Adjusted R Square value of 42.3%. These findings suggest that brand switching behavior among Generation Z is influenced not only by digital social factors but also by religious value considerations such as halal awareness and ethical consumption. The results of this study are expected to serve as a reference for formulating marketing strategies that align with the characteristics and values of Generation Z.
Pengaruh Green Recruitment, Green Development dan Green Employee Relations Terhadap Employee Engagement pada Bank Syariah Nasional (BSN) Kantor Cabang Bengkulu Heni Nurlara; Herlina Yustati; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30908

Abstract

This study aims to analyze the influence of Green Recruitment, Green Development, and Green Employee Relations on Employee Engagement at the National Sharia Bank (BSN) Bengkulu Branch Office, while raising the issue of the importance of integrating sustainability values ​​in strengthening employee engagement. The study uses associative research with a quantitative approach. The population in this study were all 39 employees, with a saturated sampling technique so that the entire population was used as a sample. Data were collected through distributing questionnaires using a Likert scale and analyzed using multiple linear regression with the help of SPSS. The results of the study indicate that each variable Green Recruitment, Green Development, and Green Employee Relations partially influences Employee Engagement. Simultaneously, the three variables have a positive and significant effect on Employee Engagement with a significance value of <0.05. The coefficient of determination (R²) value of 0.674 indicates that 67.4% of the variation in Employee Engagement can be explained by the three independent variables, while the rest is influenced by other variables outside the research model. These findings confirm that strengthening sustainability-based Green Human Resource Management practices plays a strategic role in increasing engagement, loyalty, and work enthusiasm of Islamic banking employees.
Co-Authors Afridiana Susilawati Alda Julianti Alfiah Thalia Nabila Putri Amallya Syahirah Amelia Putri Maharani Andi Andi Andi Harpepen Angly Mayori Asih Tri Utami Asnaini Badaruddin Nurhab Chairunisa Indri Rahmatika Dela Sekar Diani Desi Isnaini Desti Arnita Dewi Khayyirah Dira Kinanti Eka Sri Wahyuni Handini Pionita Sari Hayifa Sasi Firmadi Heni Nurlara Idia Joninda Piolita Idwal B Khairiah Elwardah Khozin Zaki Lena Hirmawati Lila Peptiana Lucy Auditya Mallfi Lutfia Miko Polindi Misi Kartika Nanda Puspitasari Nanda Puspitasari, Nanda Nessa Amanah Nia Anggriani Niken Oktavia Ninda Putri Yulanda Nonie Afriyanty Nopiah Selvi Marlianti Shintya Rahmadani Tiara Lestari Tina Lindriani Umi Meipita Sari Wahyunita Sari, Sherly Wanti Apriani Yetti Afrida Indra Zyra Meliana