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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JOURNAL OF SCIENCE AND SOCIAL RESEARCH ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Jurnal Manajemen DIVERSIFIKASI Sharia Economic and Management Business Journal (SEMBJ) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam El-Mujtama: Jurnal Pengabdian Masyarakat At Tawazun Jurnal ekonomi Islam International Journal of Islamic Economics (IJIE) Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Cendekia Ilmiah Joong-Ki Jurnal Pengabdian Cendekia
Idwal B
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Pengaruh Tenaga Kerja dan Biaya Produksi Terhadap Pendapatan Masyarakat (Studi pada Petani Kopi di Kelurahan Topos Kabupaten Lebong) Fhatur Heksa Setiawan; Idwal B; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29823

Abstract

This study aims to analyze the effect of labor and production costs on the income of coffee farmers in Topos Village, Lebong Regency. The study uses a quantitative approach with field research methods. Primary data was obtained by distributing questionnaires to respondents. The research population consisted of 431 coffee farmers, and the sample was determined using the simple random sampling technique with the Slovin formula, resulting in 82 respondents. Data analysis included descriptive statistics, data quality testing, reliability testing, normality testing, multicollinearity testing, multiple linear regression analysis, and hypothesis testing using t-tests, F-tests, and the coefficient of determination (R²) with the help of SPSS version 26. The results showed that, partially, the labor variable did not have a significant effect on coffee farmers' income. Conversely, the production cost variable had a positive and significant effect, meaning that the higher the production costs incurred, the higher the income obtained. Simultaneously, both variables, namely labor and production costs, were proven to have a significant effect on the income of coffee farmers in Topos Village. This finding illustrates that production cost management plays a more dominant role than labor in increasing farmers' income.
Program Gerobak Uusaha BAZNAS Provinsi Bengkulu dalam Meningkatkan Kesejahteraan Mustahik di Kota Bengkulu Wiwik Dewanty; Nurul Hak; Idwal B
Sharia Economic and Management Business Journal (SEMBJ) Vol. 1 No. 3 (2020): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v1i3.95

Abstract

Tujuan dari penelitian dalam penulisan skripsi ini, yaitu (1) untuk mengetahui implementasi program gerobak usaha BAZNAS Provinsi Bengkulu, (2) untuk mengetahui dampak program gerobak usaha BAZNAS Provinsi Bengkulu. Peneliti menggunakan metode Deskriptif Kualittatif untuk mengungkapkan permasalahan tersebut secara mendalam dan menyeluruh, yang bermanfaat untuk memberi informasi, fakta dan data tentang program gerobak usaha di BAZNAS Provinsi Bengkulu dalam meningkatkan kesejahteraan mustahik di kota Bengkulu dengan melakukan wawancara secara langsung kepada pegawai BAZNAS Provinsi Bengkulu dan mustahik yang menerima bantuan program gerobak usaha. Dari hasil penelitian : (1) implementasi program bantuan gerobak usaha BAZNAS Provinsi Bengkulu sudah terlaksana dengan baik dan sesuai dengan SOP BAZNAS akan tetapi berdasarkan fakta di lapangan menunjukkan bahwa sebagian besar dari mustahik yang menerima bantuan program ini sudah bisa dikatakan sejahterah, dan sebagian kecil dari mustahik yang menerima bantuan program gerobak usaha ini masih ada yng belum sejahterah karena pendapatan mustahik hanya cukup untuk memutas modal.(2) dampak pelaksaan program bantuan gerobak dan modal usaha BAZNAS Provinsi Bengkulu terkait dengan pendapatan mustahik setelah mendapatkan bantuan program gerobak usaha, pendapatan mustahik sebagian menjadi tetap dan sebagian kecil meningkat.
Analysis of Human Resources Performance in the Field of Umrah Travel Administration (Zafa Tour) PT. Zafa Mulia Mandiri Bengkulu Khairul Anwar; Idwal B; Faisal Muttaqin; Zelvia Liska Afriani
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 3 (2023): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i3.1200

Abstract

Administration in a company holds considerable control, coordinating all the interests and objectives of the organization or company that is carried out so that it can be united and can be in line with the same place and time, employee assessments must be compared with the targets and standards that have been set. Competition in the business world or business, you could say that competing in the business world is one of the main things that cannot be avoided, so it should be faced and lived. Competition starts from the world of small businesses and the world of large or broad businesses. One of them, for example, such as competition in the Hajj and Umrah travel agency The research method used is a qualitative research method with data collection techniques using observation interviews and documentation as well as informants in this study, namely the filing and equipment section, the data obtained is processed then analyzed comparisons and conclusions This study shows that the performance of the Umrah travel administration is quite tense because it is not only taking care of finances, it turns out that sometimes you have to take care of banners and also browsers for partners, sometimes you also have to take the passports of pilgrims registered by partners.
The Significance of the Development of the Salted Fish Industry for Community Economic Growth from an Islamic Economic Perspective (Study on Baai Island, Kampung Melayu, Bengkulu City) Yuyun Novia Sari; Herlina Yustati; Idwal B
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1204

Abstract

This research was conducted on Baai Island, Malay Village, Bengkulu City. The purpose of this study was to determine the Significance of the Development of the Salted Fish Industry for the Growth of the Community Economy in the Perspective of Islamic Economics. This research is qualitative. Data collection methods through interviews with sellers, workers, and buyers of salted fish in the baai island area. Based on the formulation of the problem in this study, namely: How is the development of the Baai Island salted fish processing industry and how is the impact of the development of the Baai Island salted fish industry on the economy of the community in the perspective of Islamic Economics? The research findings show that the business development carried out is through 2 methods online and in person. The impact of the development of this industry itself is the increased income of the community, the welfare of the Baai Island community, and the fulfilled needs of life.
ANALISIS KINERJA KEUANGAN PT BANK MUAMALAT INDONESIA TBK PERIODE 2019-2023 Amanda Pelita Sukma; Idwal B; Rizky Hariyadi
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 8 No. 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3183

Abstract

Abstract: Banking plays an important role in managing public funds, both through conventional banks and Islamic banks. Bank Muamalat Indonesia, one of the first Islamic banks in Indonesia, carries out its activities with Islamic principles and offers various financial products such as murabahah, mudharabah, musyarakah, and ijarah. This study aims to analyze the financial performance of Bank Muamalat Indonesia during the period 2019–2023 using financial ratios, namely liquidity, profitability, and solvency ratios. This study uses a descriptive quantitative approach by analyzing secondary data from Bank Muamalat Indonesia's annual financial reports. The results of the analysis show that although Bank Muamalat Indonesia showed good liquidity performance in most of the years studied, profitability performance fluctuated, with a significant decline in several years. The solvency ratio shows stability, but profitability such as Net Profit Margin (NPM) and Return on Assets (ROA) show inadequate performance compared to other Islamic banks. This study is expected to provide a comprehensive picture of the financial condition of Bank Muamalat Indonesia and contribute to the development of Islamic bank financial performance studies. Keyword: financial performance, Bank Muamalat Indonesia, financial ratios, liquidity,               profitability, solvency. Abstrak: Perbankan memegang peranan penting dalam pengelolaan dana masyarakat, baik melalui bank konvensional maupun bank syariah. Bank Muamalat Indonesia, merupakan salah satu bank syariah pertama di Indonesia, menjalankan aktivitasnya dengan prinsip syariah dan menawarkan berbagai produk keuangan seperti murabahah, mudharabah, musyarakah, dan ijarah. Penelitian ini bertujuan untuk menganalisis kinerja keuangan Bank Muamalat Indonesia selama periode 2019–2023 dengan menggunakan rasio keuangan, yaitu rasio likuiditas, profitabilitas, dan solvabilitas. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan menganalisis data sekunder dari laporan keuangan tahunan Bank Muamalat Indonesia. Hasil analisis menunjukkan bahwa meskipun Bank Muamalat Indonesia menunjukkan kinerja likuiditas yang baik pada sebagian besar tahun yang diteliti, kinerja profitabilitas mengalami fluktuasi, dengan penurunan signifikan pada beberapa tahun. Rasio solvabilitas menunjukkan stabilitas, namun profitabilitas seperti Net Profit Margin (NPM) dan Return on Assets (ROA) menunjukkan performa yang tidak memadai dibandingkan dengan bank syariah lainnya. Penelitian ini diharapkan dapat memberikan gambaran komprehensif tentang kondisi keuangan Bank Muamalat Indonesia dan memberikan kontribusi pada pengembangan studi kinerja keuangan bank syariah. Kata kunci: kinerja keuangan, Bank Muamalat Indonesia, rasio keuangan, likuiditas,                    profitabilitas, solvabilitas. 
Pengaruh Lingkungan Kerja, Kepemimpinan dan Budaya Kerja Terhadap Efektivitas Kerja Karyawan Pada Karyawan Kantor Pelayanan Pajak Pratama Bengkulu Satu Rahmi; Idwal B; Yenti Sumarni
AT TAWAZUN: Jurnal Ekonomi Islam Vol 6 No 2 (2026): Agustus
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Abstract

Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh lingkungan kerja, kepemimpinan dan budaya kerja terhadap efektivitas kerja karyawan Pada Kantor Pelayanan Pajak (KPP) Pratama Bengkulu Satu. Penelitian ini menggunakan metode kuantitatif dengan data primer berupa angket yang disebarkan pada 87 orang responden. Teknik analisis data yang digunakan adalah regresi linear berganda menggunakan program SPSS versi 27. Hasil penelitian menunjukkan bahwa secara parsial lingkungan kerja tidak berpengaruh signifikan terhadap efektivitas kerja karyawan pada Kantor Pelayanan Pajak (KPP) Pratama Bengkulu Satu sedangkan kepemimpinan dan budaya kerja berpengaruh positif dan signifikan terhadap efektivitas kerja karyawan pada Kantor Pelayanan Pajak (KPP) Pratama Bengkulu Satu. Secara simultan, ketiga variabel tersebut berpengaruh positif dan signifikan terhadap efektivitas kerja karyawan pada Kantor Pelayanan Pajak (KPP) Pratama Bengkulu Satu. Temuan ini menunjukkan bahwa kepemimpinan dan budaya kerja merupakan faktor yang berperan penting dalam meningkatkan efektivitas kerja karyawan, sedangkan lingkungan kerja tidak memberikan pengaruh yang signifikan pada Kantor Pelayanan Pajak (KPP) Pratama Bengkulu Satu.
Co-Authors Aan Shar Afrianty, Nonie Amanda Pelita Sukma Daulay, Tri Hennarti Dela Puspita Sari Elia Sulastri Ella Ariyani Fadila, Yandi Ahmad Faisal Muttaqin Fhatur Heksa Setiawan Hartini, Kustin Hendra Fernandes Herlina Yustati Katra Pramadeka Khairul Anwar Kustin Hartini Lika Susanti Necko Rahmat Novianto Nessa Amanah Nonie Afrianty Nurrahmah Putry Nurul Hak Rahmi Rizky Hariyadi USWATUN HASANAH Wentika Sari, Tri Wina Afrika Wiwik Dewanty Yenti Sumarni Yetti Afrida Yuyun Novia Sari Zelvia Liska Afriani