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All Journal ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah An-Nisbah : Jurnal Perbankan Syariah Jurnal Manajemen DIVERSIFIKASI El-Mujtama: Jurnal Pengabdian Masyarakat International Journal of Islamic Economics (IJIE) Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah J-CEKI Joong-Ki Jurnal Pengabdian Cendekia
Idwal B
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Religion Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Pengaruh Budaya Layanan, Customer Value, Dan Brand Equity Terhadap Loyalitas Nasabah Produk Pembiayaan Pensiun Di Bank Syariah Indonesia KC Bengkulu Sudirman Ella Ariyani; Idwal B; Aan Shar
Jurnal Manajemen DIVERSIFIKASI Vol. 4 No. 2 (2024): Juni
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v4i2.6021

Abstract

The aim of this research is to determine the influence of service culture, customer value andbrand equity on customer loyalty for pension financing products at Bank Syariah IndonesiaKC Bengkulu Sudirman. This research uses quantitative methods with multiple linearregression analysis methods. The samples used were 110 samples determined by purposivesampling. The results of this research show that simultaneously service culture, customervalue and brand equity have a positive and significant effect on customer loyalty for pensionfinancing products at Bank Syariah Indonesia KC Bengkulu Sudirman, this is proven by thecalculated F value of 66,541 and a significant value of 0.000 < 0.05. Partially 1) serviceculture has a positive and significant effect on customer loyalty with a significant value of0.000 < 0.05. 2) customer value has a positive and significant effect on customer loyalty witha significant value of 0.000 < 0.05. 3) brand equity has a positive and significant effect oncustomer loyalty with a significant value of 0.000 < 0.05
Penggunaan "Uang Haram" Untuk Ibadah Haji Idwal B
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2016)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v2i1.1108

Abstract

The jurists have different opinion regarding the use of illicit money for hajj purpose. In this case, their opinion are divided into two groups: First, imam Ahmad ibn Hanbal and his followers (hereinafter referred to as Hanabilah) found pilgrimage with illicit money is not legitimate. Thus, those who carry it out are not rewarded, even sinful. Second, imam Muhammad ibn Idris al-Shafi’i, Malik ibn Anas and Abu Hanifa, and many previous scholars (hereinafter referred to as jumhur jurists) which states that the pilgrimage with illicit money is valid, but illicit, or in the words of Abu Hanifah named as makruh tahrim, Although his obligation to perform hajj is considered as legitimate, but he sinned. Hajj is not haram, but the use of money earned by unclean way is a sinful. Because something that must be attributed with the law may not haram. People who are on pilgrimage is already deemed to have been (rightfully) although his Hajj pilgrimage is not accepted and not rewarding. Although formal legal arguments of the jurists jumhur more powerful, but to anticipate the danger (harm) and the slander that would arise, namely the habit of doing that is haram for something that is halal, which would have a negative impact on themselves, family, and the community at large, then Hanabilah opinion that considers unauthorized person hajj pilgrimage with unclean person is very appropriate and suitable to be applied in the present society. This is useful in order not to get people motivated to do evil / unclean deeds for the sake of the holy Hajj
Pemahaman Masyarakat Terhadap Kawajiban Melaksanakan Ibadah Haji: Studi Desa Lubuk Tapi Kabupaten Bengkulu Selatan Fadila, Yandi Ahmad; Idwal B; Hartini, Kustin
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.8143

Abstract

Tujuan penelitian ini untuk mengetahui Pemahaman Masyarakat Lubuk Tapi Terhadap Rukun dan Syarat Haji dan Untuk mengetahui Pemahaman Masyarakat Terhadap Kewajiban Ibadah Haji. Jenis penelitian ini adalah Penelitian dengan menggunakan deskriptif kualitatif. Sumber data, data primer dan data skunder, mengunakan Teknik pengumpulan data obsarvasi, wawancara, dokumentasi dan Teknik anasisa data deskriptif kualitatif. Masyarakat Desa Lubuk Tapi memiliki pemahaman yang baik terhadap rukun dan syarat haji, dapat menjawab pertanyaan dengan penjelasan menggunakan bahasa mereka sendiri. Masyarakat juga mampu mengidentifikasi, menyebutkan, dan memberikan alasan serta contoh untuk menafsirkan informasi, mengekstrapolasi pengetahuan sesuai konteksnya. Masyarakat Desa Lubuk Tapi Bengkulu Selatan memiliki pemahaman yang baik tentang kewajiban melaksanakan ibadah haji. Mereka dapat menjawab pertanyaan mengenai pengetahuan, informasi, dan keutamaan haji dengan bahasa sendiri. Masyarakat ini juga mampu mengidentifikasi, menyebutkan, menyatakan, serta memberikan alasan dan contoh untuk menafsirkan informasi. Mereka dapat menerjemahkan, menafsirkan, dan mengekstrapolasi informasi tentang haji.
The Influence of Murabahah Financing and the Length of Financing Repayment on the Income of PNM Mekaar Syariah Customers in Bengkulu City Daulay, Tri Hennarti; Idwal B; Afrianty, Nonie
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.v7i01.10309

Abstract

Introduction: Micro, small, and medium enterprises play a vital role in economic growth, but this is not supported by sufficient capital for business actors. Objective: This study aims to determine the effect of murabahah financing and the length of repayment of financing on the income of PNM Mekaar Syariah customers in Bengkulu City. Method: The researcher used a quantitative method with primary data collection techniques, including questionnaires distributed to 50 respondents. The data analysis method used was multiple linear regression analysis with the SPSS 27.0 program. Results: Results Based on the calculated t value for the financing variable (X1), 2.660> t table value 2.01174, and its significance is less than 0.05 (0.00 <0.05). Moreover, the results of the calculated t value for the variable Length of Financing Repayment (X2) 2.263> t table value 2.01174, and its significance is less than 0.05 (0.005 <0.05). From the results of the simultaneous test (F TEST), the calculated F value is 10.947 while the F table is known df1 = 2 and df2 = 47 with a confidence level of 95%, then the F table is 3.20. Therefore, the calculated F 10.947> F table 3.20, and the significance value is 0.001 (<0.05). This means there is a simultaneous influence between the amount of financing and the length of the financing repayment period on the income level of PNM Mekaar Syariah customers in Bengkulu City, Selebar District. Implications: This shows that improving the quality of halal certification services in Banda Aceh City can also increase business actors’ satisfaction
Edukasi Literasi Keuangan Syariah Bagi Petani di Desa Talang Jarang Kecamatan Air Napal Kabupaten Bengkulu Utara Necko Rahmat Novianto; Idwal B; Nonie Afrianty
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 5 No. 3 (2025): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v5i3.7520

Abstract

The purpose of this study is to educate the community in Talang Jarang Village, Air Napal District, North Bengkulu Regency, whose objects are farmers in Talang Jarang Village. In this community service activity, the researcher used the socialization method. The main focus of this activity is to introduce the community to Islamic finance, in order to help the community get capital. The community service program is carried out with the following stages: a. pre-training, b. education, c. evaluation. From the results of the study in the form of education for the farming community in Talang Jarang Village, it can be said that it has succeeded in providing an understanding of Islamic financial literacy education for farmers. It can be seen from the enthusiasm of the community in educational activities that get a very good response from the target audience by raising public awareness of the existence of Islamic finance, so that the community is interested in trying Islamic financial products.
Pendampingan Pengelolaan Umkm Berbasis Syariah untuk Meningkatkan Kemandirian Finansial : Studi Kasus Kedai Serly Dela Puspita Sari; Elia Sulastri; Lika Susanti; Yetti Afrida; Idwal B
Jurnal Pengabdian Cendekia Vol. 1 No. 2 (2025): Edisi Agustus
Publisher : PT Pustaka Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71417/jpc.v1i2.35

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia’s economic growth, yet many business owners still struggle with managing their finances according to Sharia principles. This study aims to implement Sharia-based mentoring for Kedai Serly, a culinary MSME in Bengkulu City, to improve financial independence through halal and sustainable financial management. The method used is Participatory Action Research (PAR), emphasizing active collaboration between researchers and business owners in problem identification, solution planning, training, practical implementation, and evaluation. Results show a significant increase in the business owner's understanding of Sharia financial concepts, rising from 43% to 85% based on questionnaire assessments. The business partner began applying more orderly financial recording, separating personal and business funds, and avoiding transactions involving riba (interest). Additionally, there was increased awareness of running a business in line with Islamic values and interest in accessing Islamic microfinance. In conclusion, participatory Sharia-based mentoring effectively fosters healthy and financially independent business practices, and it is worth replicating in other MSMEs to support a more inclusive Islamic economic ecosystem.
Green Banking: Implementasi dan Kontribusi Terhadap Pencapaian Sustainable Development Goals 1 Di Sektor Perbankan Syariah Fitri Desvaria; Idwal B; Miko Polindi
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 2 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i2.4041

Abstract

Perubahan iklim, degradasi lingkungan, dan meningkatnya angka kemiskinan menjadi isu global yang saling berkaitan dan mendesak untuk diatasi. Dalam konteks ini, sektor perbankan, khususnya perbankan syariah, memiliki peran strategis dalam mendukung pembangunan berkelanjutan melalui implementasi green banking. Penelitian ini bertujuan untuk menganalisis bagaimana implementasi green banking dilakukan di sektor perbankan syariah di Indonesia serta kontribusinya terhadap pencapaian Tujuan Pembangunan Berkelanjutan pertama (SDGs 1), yaitu pengentasan kemiskinan. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi pustaka, mengkaji berbagai dokumen seperti laporan tahunan bank, regulasi pemerintah, serta artikel jurnal ilmiah. Hasil penelitian menunjukkan bahwa perbankan syariah mulai menerapkan prinsip green banking melalui pembiayaan ramah lingkungan, efisiensi energi, digitalisasi layanan, serta pengelolaan dana sosial Islam (ZISWAF) untuk memberdayakan kelompok miskin dan rentan. Kontribusi ini terlihat dari pembiayaan UMKM hijau, pembangunan desa tangguh, pelatihan kewirausahaan, dan peningkatan inklusi keuangan. Temuan ini mengindikasikan bahwa green banking dapat menjadi instrumen efektif dalam mendukung kesejahteraan masyarakat secara berkelanjutan. Namun, tantangan masih dihadapi, seperti keterbatasan pemahaman, regulasi, dan komitmen institusi. Oleh karena itu, diperlukan kolaborasi antarpemangku kepentingan untuk memperkuat peran green banking dalam mencapai pembangunan berkelanjutan yang inklusif dan adil.
Sosialisasi Tabungan Emas Pada Lembaga Keuangan Syariah Sebagai Investasi Aman Bagi Masyarakat Idwal B; Katra Pramadeka; Hendra Fernandes
Joong-Ki : Jurnal Pengabdian Masyarakat Vol. 4 No. 4: Agustus 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/joongki.v4i4.11587

Abstract

 Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan literasi keuangan masyarakat melalui promosi tabungan emas di lembaga keuangan syariah sebagai investasi yang aman bagi masyarakat. Program pengabdian masyarakat ini berlangsung di Desa Kandang Limun, Kecamatan Muara Bangkahulu, Kota Bengkulu, dan melibatkan 40 peserta dari berbagai latar belakang. Program ini meliputi survei awal, pemaparan materi, diskusi interaktif, dan pendampingan pembukaan rekening tabungan emas di Pegadaian Syariah dan Bank BTN Syariah. Hasilnya menunjukkan adanya peningkatan pemahaman masyarakat akan pentingnya tabungan emas, meningkatnya minat berinvestasi sesuai prinsip syariah, dan meningkatnya kepercayaan terhadap lembaga keuangan syariah. Dengan demikian, program ini berkontribusi pada upaya pemberdayaan masyarakat untuk mengelola keuangan secara bijak dan islami.
Dampak Fluktuasi Harga Sawit Terhadap Pola Konsumsi Petani Dalam Perspektif Ekonomi Syariah (Masyarakat Desa Batiknau Kab. Bengkulu Utara) Wentika Sari, Tri; Idwal B; Nurrahmah Putry
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 7 No. 2 (2025): (September 2025)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v7i2.1025

Abstract

Di Kabupaten Bengkulu Utara, kelapa sawit merupakan komoditas perkebunan utama yang menghasilkan pendapatan bagi masyarakat, khususnya di Desa Batiknau. Namun, harga kelapa sawit sering berfluktuasi menimbulkan keresahan bagi petani karena secara langsung memengaruhi pendapatan dan pola konsumsi mereka. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana perubahan harga sawit berdampak pada pola konsumsi petani di Desa Batiknau, Kabupaten Bengkulu Utara. Studi ini juga memanfaatkan tinjauan ekonomi syariah. Menggunakan teknik kuantitatif deskriptif dengan teknik purposive sampling 67 sampel. Analisis data dilakukan dengan regresi linear sederhana menggunakan SPSS 25. Hasil penelitian menunjukkan bahwa pola konsumsi petani dipengaruhi secara signifikan oleh perubahan harga sawit, dengan nilai signifikansi < 0,05, yang berarti H0 ditolak dan Ha diterima. Ketika harga sawit naik, konsumsi petani meningkat, dan ketika harga sawit turun, konsumsi petani turun. juga menurun sebagai akibat dari penurunan pendapatan. Dari tinjauan ekonomi syariah, pola konsumsi belum sepenuhnya sesuai dengan prinsip Islam.
Co-Authors Aan Shar Afrianty, Nonie Daulay, Tri Hennarti Dela Puspita Sari Elia Sulastri Ella Ariyani Fadila, Yandi Ahmad Fitri Desvaria Hartini, Kustin Hendra Fernandes Katra Pramadeka Lika Susanti Miko Polindi Necko Rahmat Novianto Nonie Afrianty Nurrahmah Putry Wentika Sari, Tri Yetti Afrida