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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Journal of Economic, Bussines and Accounting (COSTING) Al-Muzdahir: Jurnal Ekonomi Syariah Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat Ulil Albab Qiyas : Jurnal Hukum Islam dan Peradilan
Desi Isnaini
UIN Fatmawati Sukarno Bengkulu
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Pelaksanaan Utang Piutang Emas Dalam Perspektif Ekonomi Islam Femmy Sentriani; Desi Isnaini; Citra Liza
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 3 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i3.9056

Abstract

This research aims to determine the implementation of gold debts and receivables in Ujung Pulau Village based on an Islamic economic perspective. The type of research used is field research. Data collection techniques use observation, interviews and documentation methods, as well as data analysis techniques using a qualitative descriptive approach. The subjects in this research are the givers and recipients of gold debts and receivables. The results of the research show that the implementation of gold debts and receivables in Ujung Pulau Village is still frequently carried out, this is due to the ease of submitting debt applications and without any guarantees or certain conditions. Gold debt and receivable activities in Ujung Pulau Village only use the principle of trust, they are not written down, they are not dictated, without any witnesses involved so that the implementation of these debts and receivables triggers undesirable events (defaults). In the implementation of debts and receivables in Ujung Pulau Village, one party suffered a loss because the payment was replaced with cash equal to gold when borrowed. So the implementation of gold debts and receivables in Ujung Pulau Village has not been in accordance with what is recommended in Q.S Al-Baqarah verse 282 and has not implemented the principles of Islamic economics, namely the principle of monotheism, the principle of balance and the principle of justice. The solution to avoid usury from gold debts and receivables is to better understand and pay attention to the implementation of gold debts and receivables based on Islamic law. Keywords: Gold Debts and Receivables, Islamic Economics
Keberlangsungan UMKM Saat Ada dan Tidaknya Tiktok Shop Prespektif Persaingan Pasar Syariah (Studi Di Pasar Panorama Kota Bengkulu) Aldo Aldo; Desi Isnaini; Nurrahmah Putry
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 3 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.10073

Abstract

Based on the perspective of sharia market competition, the aim of the research is to find out the sustainability of MSMEs in the Panorama market of Bengkulu city when there are and are not TikTok shops based on the perspective of sharia market competition. To find out how efforts are made by MSME players in the Panorama market of Bengkulu city. in facing market competition when there is or is not a TikTok shop based on the perspective of sharia market competition. The type of research used is field research with data collection methods, namely observation, interviews and documentation with a descriptive qualitative approach in analyzing the data. The subjects in this research are MSME traders in the Bengkulu City Panorama Market. The results that emerge from this research are the sustainability of MSMEs in the Bengkulu City Panorama Market when there are no TikTok shops. The Bengkulu City Panorama Market MSMEs do not manage employees and customers, lack of product innovation and sales, some even don't do it at all, lack of creativity and innovation among MSME players, dishonesty and openness regarding purchasing capital and profits taken, related to the efforts made by MSME players, including continuing to sell at the stalls they own. do not try to compete by selling on TikTok shops or other e-commerce, while a small part of the traders only post normally on Whatsapp, Facebook and Instagram. Therefore, if viewed from the perspective of sharia market competition, the things mentioned above are not in accordance with Fatahana's nature, namely professionalism. and tabigh, namely conveying things about the product truthfully.
Analisis Faktor Internal Dan Eksternal Yang Mempengaruhi Minat Berinvestasi di Pasar Modal Syariah Resa Komaria; Ruly Septia Hardianti; Widya Lestari; Desi Isnaini; Kustin Hartini
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 1 No. 4: Maret 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tujuan penelitian ini untuk mengetahui apakah faktor ‎internal dan eksternal berpengaruh terhadap minat ‎berinvestasi mahasiswa di pasar modal syariah indonesia. ‎Penelitian ini ‎menggunakan metode kuantitatif dengan populasi mahasiswa ‎aktif FEBI UIN Fatmawati Sukarno Bengkulu tahun 2021. Sampel penelitian dipilih menggunakan teknik simple random sampling yang didapat 95 responden. Instrumen penelitian yang digunakan adalah dengan menyebar kuisioner melalui google form. Data diolah melalui program SPSS menggunakan ‎analisis uji kualitas data, uji asumsi dasar dan uji ‎hipotesis. Hasil penelitian menunjukkan faktor internal secara parsial ‎berpengaruh dengan nilai sig 0,000 < 0,05. Pengetahuan secara parsial tidak signifikansi dengan nilai sig 0,224 > 0,05. Kondisi ekonomi secara parsial tidak signifikan ‎dengan nilai sig 0,154 > 0,05. Secara simultan ‎variabel faktor internal, pengetahuan, dan kondisi ekonomi berpengaruh terhadap minat berinvestasi di pasar ‎modal dengan nilai sign 0,000 < 0,05.
Mosque-Based Economic Empowerment as Living Sharia Economic Law: Principles and Challenges Yenti Sumarni; Desi Isnaini; Eka Sri Wahyuni
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.50027

Abstract

This study analyzes mosque-based economic empowerment as a form of community implementation of Sharia economic law beyond formal Islamic financial institutions. Using a qualitative, exploratory approach through interviews and focus group discussions, this research investigates how mosques serve as sites for sharia-compliant economic practices, including cooperatives, microfinance, and community entrepreneurship. The findings indicate that mosque-based economic activities reflect core principles of Islamic economic law, including justice, mutual consent, the prohibition of usury, and public benefit. However, normative challenges persist due to the lack of inclusive policies and structured governance, as well as limited formal institutional support. Overall, this study highlights mosque-based economic empowerment as a dynamic expression of living Islamic economic law. Keywords: mosque-based economic empowerment; sharia economic law; Islamic entrepreneurship   Abstrak Penelitian ini menganalisis pemberdayaan ekonomi berbasis masjid sebagai bentuk implementasi hukum ekonomi Syariah oleh masyarakat, di luar lembaga keuangan Islam formal. Dengan pendekatan kualitatif dan eksploratif melalui wawancara dan diskusi kelompok terfokus, penelitian ini menggali bagaimana masjid berperan sebagai tempat mempraktikan aktivitas ekonomi yang sesuai syariah, termasuk koperasi, pembiayaan mikro, dan kewirausahaan. Hasil penelitian ini menunjukkan bahwa kegiatan ekonomi berbasis masjid mencerminkan prinsip-prinsip pokok hukum ekonomi Islam, seperti keadilan, kesepakatan bersama, larangan riba, dan manfaat bagi masyarakat. Namun, tantangan normatif tetap ada karena kurangnya kebijakan inklusif, tata kelola yang terstruktur, serta dukungan lembaga formal. Secara umum, penelitian ini menegaskan bahwa kewirausahaan berbasis masjid merupakan ekspresi dinamis dari hukum ekonomi Islam yang hidup di masyarakat. Kata Kunci: pemberdayaan ekonomi berbasis masjid; hukum ekonomi syariah; kewirausahaan Islam
Pendampingan Literasi Penggunaan Mobile Banking Syariah Pada Masyarakat Desa Air Buluh Kecamatan Ipuh Kabupaten Mukomuko Dhef Vindra; Desi Isnaini; Khairiah Elwardah
KENDURI : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 4 No. 1 (2024): April
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/kenduri.v4i1.1254

Abstract

The activities carried out were the Opening of the Activity, Socialization of Mobile Banking introduction with BSI, Installation and Teaching the use of the Mobile Banking application, Interviews with the community who participated in the mentoring to find out the results of the mentoring, Closing the activity. The mentoring activities in the Air Buluh Village community, Ipuh District, can increase the understanding of the Air Buluh Village community by 15 out of 20 people regarding the Mobile Banking application and how to use it. The problem faced by the researcher was the inappropriate time of the mentoring because the average work of the Air Buluh Village community is oil palm farmers, both privately owned and PT, which resulted in the community having to take care of their work first, in overcoming this, the activity was carried out from house to house and made an appointment in advance to determine free time for the community. The party involved was one of the BSI KCP Mukomuko employees named Meydina Putri. This mentoring was carried out from September to December, the costs incurred in this mentoring activity were Rp. 565,000
Filosofi Keuangan Sosial Islam Produktif sebagai Instrumen Keadilan Distributif dalam Maqasid Syariah Wardah Mujadidah Hananiyah; Asnaini; Desi Isnaini
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 8 No. 2 (2026): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v8i2.3027

Abstract

Islamic social finance is an essential component of the Islamic economic system that functions as an instrument for wealth redistribution, strengthening social solidarity, and promoting social welfare development. However, the management of Islamic social finance has largely remained charitable and consumptive in nature, limiting its effectiveness in creating sustainable economic empowerment. This study aims to analyze the transformation of productive Islamic social finance as an instrument of distributive justice from the perspective of maqasid sharia. This research employs a qualitative approach using a library research method through the analysis of relevant literature, including books, scientific journals, and previous studies related to Islamic social finance. The findings indicate that the transformation of Islamic social finance from a consumptive approach to a productive approach reflects the actualization of maqasid sharia in the economic field, particularly in preserving wealth (hifz al-mal), protecting human life (hifz al-nafs), and promoting public welfare (maslahah ‘ammah). Instruments such as zakat, infaq, sadaqah, waqf, hibah, and qurban function not only as philanthropic mechanisms but also as economic redistribution systems capable of encouraging community empowerment, strengthening micro and small enterprises, improving economic capacity, and supporting sustainable welfare development. This study also emphasizes that the integration among Islamic social finance instruments has significant potential to support a more just, inclusive, and sustainable economic development. Nevertheless, the implementation of productive Islamic social finance in Indonesia still faces several challenges, including weak institutional governance, low public literacy, and the lack of optimal integration among institutions and Islamic social finance instruments
Pengelolaan Wakaf di Era Modern (Studi Komparatif Pengelolaan Wakaf di Indonesia dan Turki) Arief Rahman Riyanda; Desi Isnaini; Nurul Hak
QIYAS: JURNAL HUKUM ISLAM DAN PERADILAN Vol 11, No 1 (2026)
Publisher : UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/qys.v11i1.8491

Abstract

Abstracts: This study aims to critically analyze the management systems of waqf in the modern era by conducting a comparative investigation between two Muslim-majority nations, namely Indonesia and Turkey. The primary focus of this research is to identify both the convergences and divergences in institutional frameworks, regulatory systems, productive waqf business models, as well as the efficacy of waqf benefit distribution in both countries. The methodology employed is qualitatitive in nature, utilizing literature-based research and comparative analysis. The findings reveal that Turkey has established a more centralized and professionalized waqf management system under the auspices of the Turkish General Directorate of Foundations. In contrast, Indonesia adopts a decentralized system via the Indonesian Waqf Board (BWI), which operates autonomously.  Turkey's success in waqf management is attributed to the state's ability to integrate waqf with Investment sectors, leverage digital technologies for reporting and administration, and ensure equitable and sustainable distribution of waqf proceeds across, education, healthcare, and social welfare sectors. Although Indonesia possesses significant potential to develop productive waqf, it necessitates comprehensive reforms, including the enhacement of investment-based waqf business models, the amplification of public waqf literacy, and the establishment of synergistic collaborations among the state private sector, and civil society. The study concludes that by adopting Turkey's best practices and tailoring them to the nation's socio-cultural context, Indonesia can elevate waqf as pivotal instrument in sharia-based economic and social development.Keyword: Waqf, Modern Management, Turkey, Indonesia, Productive Waqf. Abstrak : Penelitian ini bertujuan untuk menganalisis sistem pengelolaan wakaf di era modern dengan melakukan studi komparatif antara dua negara mayoritas Muslim, yaitu Indonesia dan Turki. Fokus utama penelitian adalah mengidentifikasi persamaan dan perbedaan dalam struktur kelembagaan, sistem regulasi, model bisnis wakaf produktif, serta efektivitas distribusi manfaat wakaf di kedua negara. Metode yang digunakan adalah pendekatan kualitatif dengan metode studi pustaka dan analisis komparatif. Hasil penelitian menunjukkan bahwa Turki memiliki sistem pengelolaan wakaf yang lebih terpusat, profesional di bawah koordinasi Direktorat Jenderal Wakaf Turki. Sementara itu, Indonesia menerapkan sistem desentralisasi melalui Badan Wakaf Indonesia (BWI) yang independen. Keberhasilan Turki dalam mengelola wakaf terletak pada kemampuan lembaga negara dalam mengintegrasikan wakaf dengan sektor investasi, memanfaatkan teknologi digital dalam sistem pelaporan dan manajemen, serta mendistribusikan hasil wakaf secara merata dan berkelanjutan untuk sektor pendidikan, kesehatan, dan sosial. Indonesia memiliki potensi besar untuk mengembangkan wakaf produktif, namun perlu melakukan pembaruan dengan strategi yang mencakup: penguatan model bisnis wakaf berbasis investasi, peningkatan literasi wakaf masyarakat, serta kolaborasi antara negara, swasta, dan masyarakat sipil. Penelitian ini menyimpulkan bahwa dengan mengadopsi praktik terbaik dari Turki dan menyesuaikannya dengan karakteristik sosial-budaya lokal, Indonesia dapat menjadikan wakaf sebagai instrumen utama dalam pembangunan ekonomi dan sosial berbasis syariah.Kata Kunci: Wakaf, Pengelolaan Modern, Turki, Indonesia, Wakaf Produktif.
Co-Authors Aldo Aldo Arief Rahman Riyanda Asnaini Citra Liza Dhef Vindra Eka Sri Wahyuni Femmy Sentriani Khairiah Elwardah Kustin Hartini Nurrahmah Putry Nurul Hak Resa Komaria Ruly Septia Hardianti Wardah Mujadidah Hananiyah Widya Lestari Yenti Sumarni