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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Dialektika: Jurnal Ekonomi dan Ilmu Sosial Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Science and Education Journal
Eka Sri Wahyuni
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Social Sciences Other

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Praktik Akad Mudharabah Antara Pemilik Kapal Dan Nelayan Di Pasarpalik Bengkulu Utara Agung Pratama Wijaya; Ainani Fitri; Nur Holipah; Eka Sri Wahyuni; Adi Setiawan
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 3 No. 1 (2022): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v3i1.390

Abstract

Penelitian ini bertujuan untuk memperoleh gambaran yang jelas tentang bagaimana praktik kerjasama antara pemilik kapal dengan nelayan, bagaimana pelaksanaan akad mudharabah antara pemilik kapal dengan nelayan dan bagaimana pembebanan risiko kerugian usaha antara pemilik kapal dengan nelayan di Desa Pasar Palik, Kecamatan Air Napal, Kabupaten Bengkulu Utara. Penelitian ini menggunakan metode analysis data kualitatif, yaitu data yang ditampilkan dalam bentuk verbal (lisan atau struktur individu) bukan dalam bentuk angka. Penelitian ini dilakukan di Desa Pasar Palik, Kecamatan Air Napal, Kabupaten Bengkulu Utara. Subjek dalam penelitian ini adalah pemilik kapal dan nelayan yang bekerja sama di Desa Pasar Palik Kecamatan Air Napal Kabupaten Bengkulu Utara. Berdasarkan penelitian lapangan, praktik kerjasama yang dilakukan oleh pemilik kapal dan nelayan di Desa Pasar Palik termasuk dalam kerjasama mudharabah. Dimana salah satu pihak adalah shahibul mal (pemilik kapal) dan pihak lainnya adalah mudharib (nelayan). Dari ketiga pembagian keuntungan yang diterapkan, proporsi bagi hasil yang paling menguntungkan bagi nelayan adalah proporsi 30%:70%. Sedangkan bagi pemilik kapal, proporsi bagi hasil yang paling menguntungkan adalah proporsi bagi hasil 50%:50%. Ada 2 sistem kerjasama dimana pembebanan risiko akan ditanggung oleh pemilik kapal sepenuhnya. Sementara itu, terdapat satu kerjasama yang pembebanan risikonya ditanggung oleh nelayan. Kata kunci: Akad Mudharabah, Pemilik Kapal, Nelayn, Bagi Hasil
Analisis Penerapan Good Corporate Governance pada Bank Muamalat KC Bengkulu Anis Tri Handayani; Eka Sri Wahyuni; Yunida Een Fryanti
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No 2 (2022)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v10i2.2553

Abstract

This study aims to determine how the implementation of Good Corporate Governance at Bank Muamalat KC Bengkulu. In good corporate governance (GCG), there are principles that are implemented in the form of general implementation in every Islamic banking in Indonesia. This research was built with the belief that with the implementation of GCG in a company, the company has good management. In this study the authors used a descriptive qualitative approach. Based on the results of this study, it can be concluded that there is an important role between the implementation of GCG and the inhibiting and supporting factors in the implementation of GCG practices, where by applying the principles of GCG in accordance with sharia principles, the implementation of GCG implementation becomes focused and becomes better from year to year so that it becomes a motivation. the company in implementing and understanding GCG in general and based on sharia principles is also very important to be applied to each individual who is responsible for the tasks that have been mandated by Bank Muamalat KC Bengkulu in order to achieve the vision, mission, culture and code of ethics of the company according to Islam, as well as institutions who is supervising.
Pengaruh E – Wom Terhadap Consumer Decision Memilih PT. Permodalan Nasional Madani (PERSERO) Syariah Cabang Kota Bengkulu Dengan Brand Trust Sebagai Variabel Intervening Anisah Jayanti; Eka Sri Wahyuni; Evan Stiawan
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 11 No 1 (2023)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v11i1.2529

Abstract

A study entitled "Effects of EWOM on Consumer Decisions to Choose PT.Permodanlan Nasional Madani (Persero) Syariah Bengkulu City Branch Brand Trust as an intervening variable has the purposes of, firstly Analyzing Impact of eWom on shoppers Decisions, secondly. knowing the impact of E-Wom on brand trust, thirdly Analyzing impact of brand trust on buyer choice. This study is part of research included in the Expanatory Research Study category using a quantitative descriptive approach in research, analyzed through structural Equation Modeling which is processed using the software application version 20 analysis of moment structure. The sampling technique by purposive sampling is a method sampling through certain criteria and substituting objects in the study. For respondents, there were 136 people who were used as samples. After testing, the findings of the first research E-wom have an important influence on consumer decision and the probability value is 0.000 and the CR is 3,903, both E-wom are proven to have an important influence on brand trust, the probability value is 0.000 and the CR is 4.172, the three Trus Brands have an influence important in consumer decisions, the probability value obtained is 0.033 and the CR is 2.132.
Pengelolaan Dana Zakat, Infak dan Sedekah (ZIS) dalam Peningkatan Ekonomi Mustahik Pada BAZNAS Provinsi Bengkulu Rista Putriana Putriana; Eka Sri Wahyuni; Nonie Afrianty
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.12292

Abstract

ZIS funds are potential funds that can be used to build community welfare in the form of revolving (productive) funds. Management of ZIS funds is carried out through the Bengkulu Province National Zakat Agency (BAZNAS). It is known that the management of ZIS funds must reach a distribution stage that is productive, empowering and seeks to optimize the potential of mustahik. Distribution of ZIS funds can be carried out through various forms of providing business capital and business equipment to mustahik. BAZNAS issued regulations regarding zakat management through the Republic of Indonesia National Zakat Amil Agency Regulation Number 4 of 2018 concerning Reporting on the Implementation of Zakat Management. The research method used is a descriptive analytical method with a qualitative approach. The results of this research show that: 1) The ZIS fund collection system by BAZNAS Bengkulu Province is carried out using social media and payment of ZIS funds is carried out using an inter-bank transfer system and directly. 2) The distribution of ZIS BAZNAS funds in Bengkulu Province is carried out productively through business program capital (3) Standard monitoring of ZIS funds is carried out by means of a sharia audit which is a report every 6 months. From the results of research by interviewing ten mustahik people, it was found that productive management of ZIS funds can increase mustahik income before and after receiving ZIS fund assistance.
Analysis of Production and Inventory Control of Batik Raw Materials According to Islamic Economic Perspective (Case Study at SME Santi Batik) Ratina Fitri; Eka Sri Wahyuni; Yenti Sumarni
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 1 (2024): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i1.4354

Abstract

This study aims to find out how the batik production process and batik raw material inventory control in UKM Santi Batik using the EOQ (economic order quantity) method, safety stock, reorder point and total cost. . In this study, researchers used a descriptive-comparative method with a quantitative approach and used primary data collection techniques in the form of a questionnaire specifically for UKM Santi Batik. The data analysis technique used is the approah formula, namely the method of determining the number of economic orders by reducing them in the formulas. The results of the research and discussion can be concluded that the EOQ (economic order quantity) method is more effectively used in raw material inventory control than the existing policies in UKM Santi Batik. Because UKM Santi Batik has not used optimal raw material inventory control, namely only using estimates in purchasing batik raw materials. In addition, by using safety stocks, UKM Santi Batik can avoid shortages of raw materials in production, reorder points so that UKM Santi Batik knows when to buy raw materials again and obtain them with minimum total inventory costs.
Socio-Economic Behavior Analysis of Post-Umrah Pilgrims: A Study in Pasar Bantal Village, Teramang Jaya District, Mukomuko Regency Salma Dia Winanta; Eka Sri Wahyuni; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31929

Abstract

This study aims to identify and analyze the socio-economic behavior of pilgrims after performing Umrah in Pasar Bantal Village, Teramang Jaya District, Muko-Muko Regency, as well as the factors influencing it. This research used a qualitative method with a phenomenological approach to understand the experiences and behavioral changes of pilgrims after performing Umrah. Data collection techniques were carried out through in-depth interviews, observations, and documentation involving people who had performed Umrah. The results of the study indicate that Umrah worship has an influence on changes in the socio-economic behavior of pilgrims, such as increased religious activities, social awareness, charitable behavior, and a simpler lifestyle with greater caution in earning a livelihood. However, these changes did not occur evenly among all pilgrims because they were influenced by internal and external factors, such as the level of religiosity, personal motivation, economic conditions, and social environment. Thus, the spiritual experience during Umrah has an influence on the socio-economic behavioral changes of pilgrims in their daily lives.
The Effect of Halal Lifestyle, Brand Image and Product Quality on the Purchase Decision of Nyai Mercon Products at Tiktok Shop in Bengkulu City Devi Permata Sari; Eka Sri Wahyuni; Yenti Sumarni
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.v11i2.31451

Abstract

The purpose of this study was to analyze the influence of halal lifestyle, brand image, and product quality on purchasing decisions for products at TikTok Shop at Nyai Mercon Store in Bengkulu City. This study used quantitative methods with primary data in the form of questionnaires for 100 respondents and analysis using SEM-PLS using the SmartPLS 4 application. The results showed that the halal lifestyle variable had a positive and significant effect on purchasing decisions (coefficient 0.448; p-value 0.001). The brand image variable had a significant effect on purchasing decisions (coefficient 0.318; p-value 0.015). The product quality variable had a positive and significant effect on purchasing decisions (coefficient 0.226; p-value 0.026). This study shows that halal lifestyle, brand image, and product quality play a significant role in increasing purchasing decisions on TikTok Shop.
The Impact of Effectiveness, Efficiency, and Financial Literacy in Qris Usage on Financial Inclusion According to Islamic Economics: A Study on Gen-Z In Bengkulu City Dewi Khayyirah Novrianti; Eka Sri Wahyuni; Andi Harpepen
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31643

Abstract

This study aims to determine the influence of effectiveness, efficiency, and financial literacy in the use of QRIS on financial inclusion among Generation Z in Bengkulu City. The data was obtained from questionnaires distributed to Generation Z aged 20-24 years in Bengkulu City who had used QRIS. The sample was taken using purposive sampling. This study used a quantitative method with descriptive statistical analysis, validity test, reliability test, classical assumption test, linearity test, multiple linear regression analysis, and hypothesis testing. The results of this study indicate that the variables of efficiency and financial literacy have a significant relationship with financial inclusion, while the variable of effectiveness does not have a significant effect on financial inclusion among Generation Z in Bengkulu City. Keywords: Effectiveness; Efficiency; Financial Literacy; QRIS; Financial Inclusion
Pengaruh Fluktuasi Harga Emas dan Kurs Terhadap Return on Assets (ROA) Bank Syariah Indonesia Tahun 2018-2025 Dela Puspita Sari; Eka Sri Wahyuni; Katra Pramadeka
Science and Education Journal (SICEDU) Vol 5 No 2 (2026): Science and Education Journal 2026
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sicedu.v5i2.1222

Abstract

This study aims to analyze the effect of gold price fluctuations and exchange rates on the Return on Assets (ROA) of Bank Syariah Indonesia during the 2018–2025 period. Profitability, as measured by ROA, is an important indicator for assessing a bank’s ability to manage its assets efficiently to generate profits. Gold price fluctuations and exchange rate movements are considered external factors that may affect the profitability of Bank Syariah Indonesia because they are closely related to economic conditions and the bank’s financing activities. This study employed a quantitative approach using an associative research design. The data used were secondary data obtained from the financial statements of Bank Syariah Indonesia, gold price data, and the Indonesian rupiah exchange rate against the United States dollar for the 2018–2025 period, presented on a quarterly basis, resulting in 32 observations. The sampling technique used was saturated sampling. Data were analyzed using multiple linear regression with the assistance of EViews software. The results showed that, partially, gold price fluctuations had a significant effect on Return on Assets (ROA) with a significance value of 0.001 < 0.05. The exchange rate also had a significant effect on ROA with a significance value of 0.002 < 0.05. Simultaneously, gold price fluctuations and exchange rates had a significant effect on the Return on Assets (ROA) of Bank Syariah Indonesia with a significance value of 0.002 < 0.05. Therefore, gold price fluctuations and exchange rates are factors that influence the profitability of Bank Syariah Indonesia during the study period.
Pengaruh Fluktuasi Harga Emas Dan Kurs Terhadap Return On Assets (ROA) Bank Syariah Indonesia Tahun 2018-2025 Dela Puspita Sari; Eka Sri Wahyuni; Katra Pramadeka
Science and Education Journal (SICEDU) Vol 5 No 3 (2026): Science and Education Journal 2026
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sicedu.v5i3.1221

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh fluktuasi harga emas dan kurs terhadap Return on Assets (ROA) Bank Syariah Indonesia periode 2018–2025. Profitabilitas yang diukur melalui ROA menjadi indikator penting dalam menilai kemampuan bank mengelola aset untuk menghasilkan laba. Fluktuasi harga emas dan perubahan kurs diduga memengaruhi tingkat profitabilitas Bank Syariah Indonesia karena berkaitan dengan kondisi ekonomi dan aktivitas pembiayaan bank. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan merupakan data sekunder berupa laporan keuangan Bank Syariah Indonesia, data harga emas, dan data kurs rupiah terhadap dolar Amerika Serikat periode 2018–2025 yang disajikan secara triwulanan sehingga diperoleh 32 data pengamatan. Teknik pengambilan sampel menggunakan sampling jenuh. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan program EViews. Hasil penelitian menunjukkan bahwa secara parsial fluktuasi harga emas berpengaruh signifikan terhadap Return on Assets (ROA) dengan nilai signifikansi 0,001 < 0,05. Kurs juga berpengaruh signifikan terhadap ROA dengan nilai signifikansi 0,002 < 0,05. Secara simultan, fluktuasi harga emas dan kurs berpengaruh signifikan terhadap Return on Assets (ROA) Bank Syariah Indonesia dengan nilai signifikansi 0,002 < 0,05. Dengan demikian, fluktuasi harga emas dan kurs merupakan faktor yang memengaruhi profitabilitas Bank Syariah Indonesia selama periode penelitian.
Co-Authors Adelia Amanda Adi Setiawan Agung Pratama Wijaya Ainani Fitri Andi Harpepen Anis Tri Handayani Anisah Jayanti Daffa Maulana Sanja Debby Arisandi Dela Puspita Sari Devi Permata Sari Dewi Khayyirah Novrianti Etia Mardiyanti Evan Stiawan Hasza Jiwanda Hasza Indra Heriyantoni Pratama Katra Pramadeka Khozin Zaki Kustin Hartini Makmur Melia Sahputri Miftarul Haikal Nonie Afrianty Nur Holipah Ratina Fitri Rista Putriana Putriana Salma Dia Winanta Serviani Serviani wilyandi wilyandi Yenti Sumarni Yunida Een Fryanti