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All Journal Al-Lisan Paedagoria : Jurnal Kajian, Penelitian dan Pengembangan Kependidikan EDUKATIF : JURNAL ILMU PENDIDIKAN JURNAL LENTERA BISNIS Ta'dib: Jurnal Pendidikan Islam Jurnal Ilmiah Edunomika (JIE) JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN ASANKA: Journal of Social Science And Education Al-Mashrof: Islamic Banking and Finance Al-Mu'awanah Al-Lisan: Jurnal Bahasa Mutanaqishah: Journal of Islamic Banking Indonesian Journal of Islamic Economics and Finance Tafahus: Jurnal Pengkajian Islam KENDALI: Economics and Social Humanities QANUN: Journal of Islamic Laws and Studies Kartika: Jurnal Studi Keislaman Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Journal of Islamic Economics and Finance International Journal of Islamic Economics (IJIE) Jurnal Inovasi Ekonomi Syariah dan Akuntansi PESHUM
Heni Verawati
Universitas Islam Negeri Raden Intan Lampung
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Analisis Hukum Islam Terhadap Implementasi Investasi Emas Syariah Heni Verawati
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 3 No. 6: Oktober 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v3i6.6802

Abstract

Investasi emas syariah menjadi pilihan yang semakin diminati oleh masyarakat Muslim karena memberikan jaminan sesuai dengan prinsip-prinsip hukum Islam, seperti bebas dari riba, gharar (ketidakpastian), dan maysir (perjudian). Penelitian ini bertujuan untuk menganalisis implementasi investasi emas syariah berdasarkan hukum Islam dengan mengacu pada prinsip-prinsip utama syariah, termasuk adanya akad yang sah, transparansi, dan keadilan dalam transaksi. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif-analitis, mengkaji literatur, fatwa DSN-MUI, ayat Al-Qur’an, dan hadis yang relevan untuk memberikan landasan hukum syariah dalam investasi emas. Hasil penelitian menunjukkan bahwa investasi emas syariah dapat dilakukan melalui berbagai skema, seperti pembelian tunai, cicilan syariah, tabungan emas syariah, reksa dana berbasis emas, dan platform digital, asalkan memenuhi ketentuan syariah. Skema ini harus menjamin keberadaan fisik emas, transparansi harga, dan penggunaan akad yang jelas seperti murabahah, wakalah, atau ijarah. Prinsip utama dalam investasi ini adalah menghindari unsur riba dan spekulasi serta memastikan bahwa transaksi memberikan manfaat dan keberkahan. Dengan pengawasan dari Dewan Pengawas Syariah, investasi emas syariah dapat menjadi alternatif yang aman dan sesuai bagi umat Islam. Penelitian ini merekomendasikan peningkatan edukasi masyarakat dan pengembangan regulasi untuk mendorong pertumbuhan investasi emas berbasis syariah.
Analysis Self Efficacy in Improving Work-Life Balance on Employee Performance Terms Sharia Management Perspective Hardianty, Virnadilla; Hayati, Mardhiyah; Verawati, Heni
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.6963

Abstract

This study aims to investigate the relationship between Self-Efficacy and Work-Life Balance from the perspective of Islamic management, focusing on employees of the Public Works Department in Bandar Lampung. Employing a qualitative approach, the research involved four employees and utilized techniques such as data collection, reduction, presentation, and conclusion drawing, with data validity ensured through triangulation. The findings reveal that Self-Efficacy acts as a link between Work-Life Balance and employee performance, emphasizing the importance of Islamic management principles that advocate for a balance between personal life and work, as well as between worldly affairs and the hereafter. However, this study has limitations as it was conducted in a single organization with a small sample size, which means that claims regarding the generalizability of the results should be considered with caution. Therefore, the findings of this research are confined to the context of the organization studied. The study also offers practical recommendations for government offices to promote Self-Efficacy and Work-Life Balance, in line with Islamic values that emphasize balance and self-confidence. Overall, this research presents an original approach to understanding employee performance by integrating Self-Efficacy and Work-Life Balance within the framework of Islamic management, highlighting the importance of employees in balancing work responsibilities with personal and family needs.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH PADA INVESTASI EMAS MELALUI APLIKASI PEGADAIAN DALAM PERSPEKTIF BISNIS ISLAM Bela Mawarni; Ridwansyah Ridwansyah; Heni Verawati
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1510

Abstract

This study aims to analyze the factors that influence customer interest, experience and knowledge in investing in gold through the Pegadaian application from an Islamic business perspective. The method used is descriptive qualitative with direct field research at the Unit Pegadaian Cabang (UPC) Pahoman Bandar Lampung and literature studies which include interviews, observations, and literature analysis. Data were collected through purposive sampling techniques from customers who use the Pegadaian Digital Service (PDS) application as well as through documentation studies and related literature. The results showed that knowledge, experience, perceived ease of use, and Islamic business values such as transparency and fairness have a good influence on interest in investing in gold through the Pegadaian application. In addition, trust in transaction security and financial factors are also key determinants. This finding confirms that the integration of sharia aspects and ease of technology is an important factor in encouraging customer interest in investing in gold digitally through the Pegadaian application.
PENGARUH DESTINATION PER SONALITY TERHADAP REVISIT INTENTION MELALUI BEHAVIORAL INTENTION SEBAGAI VARIABEL MEDIASI DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Pengunjung Curup Gangsa Kasui Way Kanan) Jemi Karter; Suhendar Suhendar; Heni Verawati
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1577

Abstract

Indonesia is a country with many beautiful and stunning natural resources. Curup Gangsa Waterfall is one of them. However, Curup Gangsa Waterfall has experienced a decrease in visitors in the last 2 years. This is because few people return there. This study aims to determine: 1) Does Destination Personality affect the Revision Intention of visitors to Curup Gangsa Waterfall Kasuy Way Kanan? 2) Does Destination Personality affect the Behavioral Intention of Visitors to Curup Gangsa Waterfall Kasuy Way Kanan? 3) Does Behavioral Intention Affect the Revisit Intention of Visitors to Curup Gangsa Waterfall Way Kanan? 4) Can Behavioral Intention mediate the influence between Destination Personality on the Revisit Intention of Visitors to Curup Gangsa Waterfall Way Kanan? 5) What is the view in Islamic business about Behavioral Intention Mediating Destination Personality on the Revisit Intention of Visitors to Curup Gangsa Waterfall Way Kanan? This research is a researchfield researchwith a quantitative method carried out on 100 visitors to the Curup Gangsa Kasuy Way Kanan waterfall which was determined using the methodpurposive sampling. The data obtained were processed using SmartPLS 3 with Validity Test and Hypothesis Test. The results of the study indicate that: 1) Destination Personality has a positive and significant effect on revisit intention, 2) Destination Personality has a positive and significant effect on behavioral intention, 3) Behavioral Intention has a positive and significant effect on revisit intention, 4) Behavioral Intention partially mediates the relationship between Destination Personality and Revisit Intention, 5) The behavior of tourists visiting the Curup Gangsa Kasuy Way Kanan waterfall is in accordance with the perspective of Islamic business. This is because they visit to enjoy the natural beauty in it and not to damage and maintain the sustainability of the waterfall. Likewise, their behavior in recommending the Curup Gangsa waterfall to others who are honest, do not exaggerate and do not badmouth the tourist attractions in it.
Distribusi Upah Terhadap Produktivitas Kerja dan Kerja Sama dalam Ekonomi Islam Maulana, Rivan; Verawati, Heni; Sisdianto, Ersi
Jurnal Akuntansi, Keuangan, dan Manajemen Vol. 6 No. 3 (2025): Juni
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v6i3.4034

Abstract

Purpose: This study examines the influence of work experience, productivity, and collaborative work on wage dispersion from an Islamic economic perspective, with a focus on Andalas Surya Gemilang Mini Plant workers. This study evaluates how these factors affect wage dispersion and provides insights into the principles of Islamic economics. Methodology: A descriptive quantitative approach was used, involving 109 workers from the Mini Plant Andalas Surya Gemilang. Data were collected through questionnaires and analyzed using SmartPLS 3 for structural equation modelling. The hypotheses were tested using regression analysis to evaluate the influence of work experience, productivity, and collaborative work on wage dispersion. Results: This study found that Work experience and collaborative work had no significant effect on wage dispersion, while productivity had a significant effect. The combination of these three factors significantly contributes to wage dispersion. Conclusions: This study found that productivity significantly affects wage dispersion at Mini Plant Andalas Surya Gemilang, whereas work experience and collaboration have fewer direct effects. Combining these factors contributes to the wage gap. Limitations: This research is limited to one organization, the Andalas Surya Gemilang Mini Plant, which may limit the generalization of the results to other industries. Future research could expand this scope to other sectors for greater insight. Contributions: This study provides practical recommendations for companies to consider work experience and productivity in designing compensation systems that motivate employees and encourage collaboration, in line with Islamic values that emphasize justice and welfare.
Comparative Study of Risk and Return in Bitcoin, LQ45, and Jakarta Islamic Index Markets in Indonesia (2021-2024) Hidayat, Arif; Hanif; Heni Verawati
Jurnal Internasional Ekonomi Islam Vol 7 No 01 (2025): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v7i01.10394

Abstract

Introduction: In digital era, investments are no longer in the form of physical instruments or those we can see; there are many non-physical investment instruments, such as Cryptocurrencies and stocks. However, before we jump directly into the world of investment, we need to analyze how an investment instrument can bring our money into profit and consider the risks of investment instruments to avoid losses. Objective: This study examines the risks and returns of three investment instruments: Bitcoin, LQ45, and the Jakarta Islamic Index. Method: This study used a Descriptive quantitative approach and comparative analysis. To obtain data, we used purposeful sampling, a non-probability sampling technique. Forty-eight samples were examined using historical monthly closing price data for Bitcoin, LQ45, and the Jakarta Islamic Index from 2021 to 2024. Results: Research findings show that Bitcoin investment has the highest level of risk compared to LQ45 and Jakarta Islamic Index investments, then LQ45 investment has a moderate risk level, and Jakarta Islamic Index investment has the lowest level of risk compared to Bitcoin and LQ45 investments. In further findings, it is known that Bitcoin investment has the highest level of return compared to LQ45 and Jakarta Islamic Index investments, then LQ45 investment has a moderate level of return, and Jakarta Islamic Index investment has the lowest level of return compared to Bitcoin and LQ45 investments. Implications: Thanks to this research, investors should be able to evaluate and assess the risk and return of investing in Bitcoin, LQ45 shares, and Jakarta Islamic Index Sharia shares. Additionally, prior investors can distinguish investment portfolios based on their investment instruments' risk and return requirements.
The Influence of Capital Size and Zakah on Islamic Social Reporting in Islamic Commercial Bank M. Akbar Alfahrozi; Ridwansyah; Heni Verawati
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 1 (2025): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i1.2634

Abstract

Purpose – The objective of this study is to determine the impact of capital size and obligatory charity on Islamic Social Reporting in Sharia commercial banks. Methodology – The study’s population comprises 14 Islamic commercial banks, while the sample includes 9 Islamic commercial banks. This research employs an explanatory methodology and is quantitative in nature. Regression analysis of panel data, supported by Eviews 12 analysis tools, is the research methodology utilized in this work. Findings – The study’s findings revealed a significant positive correlation between the size of capital or a car and Islamic social reporting. This suggests that Islamic banks with substantial capital tend to be more effective in conducting social reports in a transparent and accountable manner, adhering to Islamic principles. Conversely, the study indicated that zakah has a minimal impact on Islamic social reporting. It further asserted that zakah’s contribution to corporate social reporting is not as substantial as other factors, such as other capital resources, which enable companies to conduct social reporting comprehensively and systematically. Implications – While Indonesia’s Islamic banking industry is experiencing growth and intensifying competition, maintaining a certain level of bank health remains essential. A bank’s capital is one of several key factors that determine its health, as it is primarily responsible for generating the highest possible returns. Originality – In addition to fulfilling legal obligations, Islamic banks’ implementation of the Islamic Social Reporting Program surpasses expectations by establishing a robust Islamic philosophy and tasawwur (visual representation) as the foundation for their social responsibility. This positioning elevates them as one of the financial institutions that can contribute to the flourishing of the community.
Islamic Organizational Culture Moderates the Influence of Transformational Leadership Style on the Performance of Employees at Bank Syariah Indonesia KCP Kalianda Verawati, Heni; Wulan, Mutiasari Nur
Al-Mashrof: Islamic Banking and Finance Vol. 5 No. 1 (2024): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v5i1.22970

Abstract

The purpose of this research is to examine the Islamic Organizational Culture in moderating the influence of transformational leadership style on employee performance. The research was conducted at Bank Syariah Indonesia KCP Kalianda, with data collection using questionnaires on a sample of 30 employees. The data analysis technique used is Moderated Regression Analysis (MRA) with SPSS software version 20. The results showed that transformational leadership style has a positive and significant effect on the performance of employees at Bank Syariah Indonesia KCP Kalianda. Furthermore, Islamic organizational culture can moderate the influence of transformational leadership style on employee performance with a positive and significant value, which strengthens the relationship between transformational leadership style and employee performance
The Concept of Maslahah Mursalah and Its Implementation in Sustainable Sharia Financial Literacy in the Modern Era Verawati, Heni; Zathu Restie Utamie
Al-Mashrof: Islamic Banking and Finance Vol. 6 No. 1 (2025): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/gss72253

Abstract

Maslahah Mursalah is one of the important concepts in Islamic law that focuses on the general welfare of humanity without any specific evidence governing it. This concept serves as a relevant foundation in addressing contemporary challenges, including sustainable Sharia-based financial literacy in the modern era. This article aims to examine the concept of Maslahah Mursalah, as well as its implementation in enhancing Sharia-compliant financial literacy oriented towards sustainability. Using a qualitative research method based on literature review, this article analyzes how the principles of maslahah can be applied to support financial management that is not only in accordance with Islamic law but also has a positive impact on economic, social, and environmental sustainability. The study results indicate that Maslahah Mursalah can serve as a strategic framework in promoting inclusivity and sustainability in Islamic finance. By considering universal values such as justice, balance, and utility, Sharia financial literacy based on Maslahah Mursalah can meet the needs of modern society while also supporting the achievement of Sustainable Development Goals (SDGs). This article recommends synergy between Islamic financial institutions, academics, and the government in enhancing maslahah-based financial literacy to strengthen the Islamic economic ecosystem in the modern era.   Keywords: Maslahah Mursalah, Financial Literacy, Sustainable Finance, Sharia, Modern Era.
SEMUKUK INDAH BEACH MANAGEMENT STRATEGY FOR OPTIMIZING REGIONAL INCOME AND EMPOWERING THE COMMUNITY OF PAUH TANJUNG IMAN VILLAGE Pujiyanto, Di'a; Verawati, Heni; Susanti, Eka Desi
Al-Mu'awanah: Jurnal Pengabdian kepada Masyarakat Vol 5 No 2 (2024): Desember 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/almuawanah.v5i2.24020

Abstract

Semukuk Indah Beach is a source of regional income for the community in Pauh Tanjung Iman Village, but currently the beach rarely receives maintenance such as cleaning up rubbish and maintaining existing facilities and infrastructure. The aim of the service is to analyze the management strategy for Semukuk Indah Beach to optimize regional income and empower the people of Pauh Tanjung Iman Village. The method for the community service program implemented in Pauh Tanjung Iman Village is by coordinating and discussing with village officials and community leaders in the village both online and offline. The research results show that the management strategy for Semukuk Indah Beach to optimize regional income is carried out by promoting tourist attractions through social media, namely Tiktok and Instagram. Then, to increase the number of visitors at Semukuk Indah Beach, the beach location was repaired and cleaned so that it was clean, orderly and beautiful. Furthermore, community empowerment is carried out by maintaining the cleanliness of the beach environment by completing the necessary facilities and infrastructure such as providing trash bins
Co-Authors AA Sudharmawan, AA Agus Kurniawan Agus Kurniawan Agus Susanti Ananda Elsa Pratiwi Arif Hidayat Asih, Salma Pitri Bela Mawarni Deti Anas Talina Devi Sela Eka Selvia Dwi Fratama, Ikhsan Ersi Sisdianto Evi Febriani Fatih Fuadi Fitriani Fitriani Fuadi, Fatih Hanif Hardianty, Virnadilla Ida Faridatul Hasanah Inka Corlita Intan Muflihah Jemi Karter Lita Aryani M. Akbar Alfahrozi Mardhiyah Hayati Maulana, Rivan Nadiya Putri Ananda Anom Pujiyanto, Di'a Purbandari, Elok Fevia Ridwansyah Ridwansyah Sa'idy Suhendar Suhendar Suhendar Suhendar Suhendar, Suhendar Suripto, Ahmad Susanti, Eka Desi Uswatun Hasanah Uswatun Hasanah Wulan, Mutiasari Nur Zahra Rahmatika Zathu Restie Utamie