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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah ManBiz: Journal of Management and Business Bersama : Jurnal Pengabdian Masyarakat J-CEKI
Yosy Arisandy
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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PROMOSI DALAM MENINGKATKAN VOLUME PENJUALAN TINJAUAN MANAJEMEN SYARIAH Yosy Arisandy
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2018)
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.v4i1.1202

Abstract

This study aims to determine:Management reviews the increase in sales volume sharia use as a promotional marketing mixvariables.This type of research is a field research using a combined approach between Qualitative and quantitative associative. With purposive sampling technique sampling, collecting data through observation, surveys, and literature as well as data analysis techniques to test the quality of data, hypothesis testing and coefficient determinasi.Jumlah sample in this study is 30 people. The results showed that the Promotion (X) significant positive effect on sales volume (Y), it is shown from the results of the t test with significant value 0.000 <0.05 .. The amount of influence Promotion (X) on sales volume (Y) correlation coefficient R = 0.488 (48.8%) were influenced by other variables that are not included in this study. Islam permits commerce, but with honesty in its activities including the promotion of the marketing mix.
Pengaruh Management Laba, ROE, dan Ukuran Perusahaan Terhadap Dividen Payout Ratio Pada Perusahaan Jasa Yang Go Public di Indonesia Yosy arisandy
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2015)
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.v1i2.772

Abstract

This study is performed to effect of earnings management, roe and company size of dividend payout ratio. The object of the research was service company (telecommunications, transportation, hospitality, tour and travel) which go public in indonesia. This study adopted research by Ahmed Arif (2011) with some modification. The researchers have taken the data of listed service companies for the year 2008 to 2010. the company that represents their financial report over period 2008 – 2010. The researchers have measured the dividend policy by using dividend payout ratio while Modified Cross Sectional Jones Model (1995) has been employed to measure the earnings management. This study reveals that based on the results of regression analysis and F test can be seen that there is positive and significant influence between earnings management, the variable return on equity (ROE) and the size of the company's dividend payout ratio, with a significance level of less than 5%; Based on the results of the t-test, it is known that there are partially positive and significant influence among the variables return on equity (ROE) and the size of the company's dividend payout ratio. While earnings management has a negative effect and no significant effect on dividend payout ratio, the significance level of 5%.
MEMPERSIAPKAN DAYA SAING LULUSAN PROGRAM STUDI PERBANKAN SYARIAH MELALUI KURIKULUM KKNI Yosy Arisandy
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2017)
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.v3i1.1160

Abstract

The rapid growth and development of sharia financial institutions (especially Islamic banks) have apositive impact on the increasing demand for human resources (HR) sharia. To meet the needs ofqualified, professional, and sharia human resources in accordance with the needs and expectations ofthe Islamic finance industry, the participation of various parties is required. One of the highcontributing parties is Islamic religious college (PTAI) through Islamic economics majors. Islamiceconomics majors must play an active role in preparing qualified and professional Islamic sharia so asto meet the needs and expectations of the Islamic finance industry. In building the competitiveness ofgraduates of Islamic Banking Prodi can be supported through KKNI curriculum with stages: 1.Determining the profile of graduates, 2. Creation of Learning Outcomes formulation consisting ofstages Material Selection (Extent, Depth, Level of ability to be achieved), Matrix of learningachievement study materials, the concept of subject and the amount of SKS, 3. Concept integratedcourses and the end result of curriculum structure and instructional design (new curriculum document).
Pendampingan Unit Pengumpulan Zakat (UPZ) di Masjid Nurul Iman Upaya Meningkatkan Pengelolaan Zakat Annisa; Setiawan, Agam Setiawan; Merki Sardoni; Pebri Agustus; Nonie Afrianty; Yosy Arisandy
Bersama : Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2025): Bersama : Jurnal Pengabdian Masyarakat
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/bersama.v3i2.1069

Abstract

Pengabdian ini bertujuan untuk mendampingi proses perizinan Unit Pengumpulan Zakat  (UPZ)  di Masjid Nurul Iman kelurahan semarang kec. Sungai serut, Kota Bengkulu sebagai upaya meningkatkan pengelolaan zakat. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan deskriptif dan pendekatan ABCD (Asset-Based Community Development). Data dikumpulkan melalui wawancara mendalam, observasi partisipatif, dan studi dokumentasi terhadap pengurus masjid, masyarakat setempat, serta pihak terkait seperti Badan Amil Zakat Nasional (BAZNAS) Kota Bengkulu, Metode pelaksanaan meliputi pendampingan administratif, penyusunan dokumen persyaratan,serta fasilitasi pengajuan izin ke BAZNAS setempat. Hasil menunjukkan bahwa dengan adanya pendampingan, UPZ Masjid Nurul Iman berhasil memenuhi seluruh persyaratan administratif dan teknis sesuai ketentuan. UPZ Masjid Nurul Iman telah memiliki Surat Keputusan perizinan, Anggaran Dasar/Anggaran Rumah Tangga (AD/ART), struktur organisasi, serta telah dikeluarkannya SK Izin Operasional oleh BAZNAS. Selain itu, pemahaman amil zakat mengenai regulasi dan tata kelola zakat semakin meningkat.
Analisis Pengaruh Sertifikasi Halal dan Modal Terhadap Pendapatan Usaha Mikro Kecil dan Menengah (UMKM) Sektor Kuliner di Kecamatan Selebar Kota Bengkulu Akbar, M Riski; Yosy Arisandy; Syaifudin, Syaifudin
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 5: Agustus 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i5.11188

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sertifikasi halal dan modal terhadap pendapatan Usaha Mikro Kecil dan Menengah (UMKM) sektor kuliner di Kecamatan Selebar Kota Bengkulu. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan regresi linear berganda yang diolah menggunakan aplikasi SPSS versi 27. Penelitian ini melibatkan 45 responden pelaku UMKM sektor kuliner yang dipilih melalui teknik probability sampling menggunakan rumus Slovin. Hasil penelitian menunjukkan bahwa sertifikasi halal (X1) (t-statistik = 2,345; p-value = 0,024) dan modal (X2) (t-statistik = 4,407; p-value = 0,000) berpengaruh positif dan signifikan terhadap pendapatan UMKM. Secara simultan, sertifikasi halal dan modal juga berpengaruh signifikan terhadap pendapatan UMKM dengan nilai signifikansi 0,000 dan nilai koefisien determinasi (R Square) sebesar 0,670. Hal ini menunjukkan bahwa sertifikasi halal dan modal merupakan faktor penting dalam meningkatkan pendapatan pelaku UMKM sektor kuliner di Kecamatan Selebar Kota Bengkulu.
Transparansi dan Efisiensi Laporan Keuangan Perusahaan Ritel dalam Perspektif Akuntabilitas Keuangan Syariah(Studi pada PT Indomarco Prismatama Bengkulu) Surya Mauladna; Yosy Arisandy; Rizky Hariyadi
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.v10i5.28233

Abstract

This study aims to analyze the extent to which the financial reporting practices implemented by PT Indomarco Prismatama Bengkulu align with the principles of transparency and efficiency from the perspective of Sharia financial accountability. This research employs a descriptive qualitative method using interviews, observation, and documentation techniques. The findings indicate that the company applies a financial reporting system based on general (Pernyataan Standar Akuntansi Keuangan) PSAK standards supported by an Enterprise Resource Planning (ERP) system, which enhances efficiency, although information disclosure remains limited. Efficiency efforts are evident in operational cost control, asset maintenance, and routine internal and external audits. Although PT Indomarco Prismatama Bengkulu is a conventional company and does not explicitly adopt Sharia reporting standards, several accountability principles applied by the company reflect alignment with Islamic financial accountability values
Pengaruh Lifestyle dan Digital Payment Terhadap Perilaku Konsumsi Islam (pada Generasi Z di Kelurahan Babatan) Fitria Lala Santi; Yosy Arisandy; Citra Liza
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 4 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i4.27807

Abstract

Penelitian ini bertujuan untuk mengetahui apakah lifestyle dan digital payment berpengaruh terhadap perilaku konsumsi Islam pada Generasi Muslim Z di Kelurahan Babatan, Kecamatan Sukaraja, Kabupaten Seluma, Provinsi Bengkulu. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan pengumpulan data menggunakan kuesioner yang disebar melalui google form. Populasi dalam penelitian ini adalah masyarakat generasi muslim Z sebanyak 642 orang, dengan sampel sebanyak 87 responden yang dipilih menggunakan rumus slovin. Teknik pengambilan sampel menggunakan purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan program SPSS 25. Hasil penelitian menunjukkan bahwa gaya hidup (lifestyle) berpengaruh signifikan terhadap perilaku konsumsi Islam dilihat dari hasil thitung sebesar 3,664 dan ttabel 1,988 dengan nilai signifikan 0,000 < 0,05. dan variabel digital payment juga berpengaruh signifikan terhadap perilaku konsumsi Islam, dilihat dari hasil nilai thitung sebesar 4,128 dan ttabel 1,988 thitung > ttabel dengan nilai signifikan 0,000 < 0,05. Koefisien determinasi (R²) menjelaskan bahwa besarnya pengaruh variabel lifestyle dan digital payment terhadap variabel perilaku konsumsi yaitu sebesar 0,484 (48,4%).
Pengaruh Modal, Lokasi dan E-Payment Terhadap Pendapatan Pedagang Muslim Pasar Tradisional di Pasar Kutau Manna Rahma Elzani; Yosy Arisandy; Yunida Een Friyanti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 4 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i4.27808

Abstract

Pasar tradisional masih memiliki peran penting dalam perekonomian lokal, namun menghadapi tantangan seperti keterbatasan modal, lokasi yang kurang strategis, dan rendahnya adopsi teknologi digital. Penelitian ini bertujuan untuk mengetahui pengaruh modal, lokasi, dan penggunaan e-payment terhadap pendapatan pedagang Muslim di Pasar Tradisional Kutau Manna, Bengkulu Selatan. Penelitian menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui kuesioner, observasi, dan dokumentasi. Sampel sebanyak 46 pedagang ditentukan melalui rumus Slovin dari populasi 86 pedagang. Analisis data dilakukan dengan regresi linier berganda menggunakan SPSS versi 27. Hasil penelitian secara parsial uji t menunjukkan bahwa modal berpengaruh signifikan terhadap pendapatan dengan nilai signifikansi 0,001 < 0,05, lokasi juga signifikan dengan nilai 0,001 < 0,05, dan e-payment signifikan dengan nilai 0,002 < 0,05. Sementara uji F menunjukkan bahwa secara simultan, ketiga variabel tersebut berpengaruh signifikan terhadap pendapatan dengan nilai signifikansi 0,000 < 0,05.
Analisis Ekonomi Syariah Terhadap Transformasi Digital dalam Keuangan Islam Sakinah Mawahdah; Yosy Arisandy; Esti Alfiah
ManBiz: Journal of Management and Business Vol. 4 No. 1 (2025): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v4i1.9633

Abstract

The purpose of this study is to explore how digital technology can be integrated into the Islamic financial system while adhering to the principles of Shariah economics, and to examine the impact of digital transformation on Islamic financial inclusion, the digital divide, and economic justice in countries with large Muslim populations. This research is a library study employing a descriptive qualitative approach. Data were collected by reviewing and analyzing literature relevant to the topic. The data analysis technique used in this study was conducted with ATLAS.ti 25. The findings reveal that: (1) The integration of digital technology holds significant potential to modernize Islamic finance through Shariah-compliant fintech. However, Shariah compliance (prohibition of riba, gharar, and maysir), security, justice, and consumer protection are top priorities. Enhancing digital and Islamic financial literacy is essential for effective and inclusive technology adoption. Collaboration among stakeholders is vital to realize this potential for a just and sustainable economy. (2) Digital transformation offers considerable opportunities to enhance Islamic financial inclusion through efficient and affordable Shariah fintech innovations. The key challenge lies in addressing the digital divide to ensure that the benefits are distributed equitably and do not exacerbate economic injustice.
Pengaruh Religius, Kualitas Produk dan Citra Merek Terhadap Pengguna Produk Halal: Studi pada Halal Network Internasional-Herba Penawar Alwahida Indonesia di Kota Bengkulu Andika Rahman; Yosy Arisandy; Makmur
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7232

Abstract

This study aims to determine the effect of religion, product quality and brand image on users of halal products (Study on Halal Network International-Herba Penawar Alwahida Indonesia in Bengkulu City), to test this, researchers used quantitative methods with primary data collection techniques in the form of questionnaires distributed to 58 respondents. The analysis method used in this research is multiple regression analysis method with IBM SPSS 26 application. The results of the study based on partial hypothesis testing (t test) show that religious variables, product quality and brand image partially have a significant effect on halal product users. This can be seen in the results of the religious variable test on halal product users which has a Thitung value of 4,343 > Ttable 2,004 and a significance value of 0.000 < 0.05, the results of the product quality variable test on halal product users which has a Thitung value of 9,235> Ttable 2,004 and a significance value of 0.000 <0.05, while the results of the brand image variable test on halal product users which has a Thitung value of 9,679 > Ttable 2,004 and a significance value of 0.000 < 0.05. The results of the F test religious, product quality, brand image together have a positive and significant effect on halal product users. This can be seen in the Fcount value of 44.306 > Ftable 2.775 and a significant value of 0.000 < 0.05. The test results of the coefficient of determination (R2) obtained Rsquare of 0.711. This shows that the dependent variable of halal product users can be explained by the independent variables of religion, product quality and brand image by 71.1% while 28.9% is explained by other factors outside the variables studied.
Co-Authors Akbar, M Riski Andika Rahman Annisa Citra Liza Esti Alfiah Fitria Lala Santi Makmur Merki Sardoni Nonie Afrianty Pebri Agustus Rahma Elzani Rizky Hariyadi Sakinah Mawahdah Setiawan, Agam Setiawan Surya Mauladna Syaifudin Syaifudin, Syaifudin Yunida Een Friyanti