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Literasi Masyarakat Terhadap Produk Keuangan Syariah (Studi pada Bank Tabungan Negara (BTN) Syariah KC Bengkulu di Desa Lokasi Baru Kec. Air Periukan): Pengabdian Erta Agustin, Erta Agustin; Romi Adetio Setiawan; Andi Cahyono
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.2577

Literasi masyarakat terhadap produk keuangan syariah masih tergolong rendah, terutama di daerah pedesaan. Desa Lokasi Baru, Kecamatan Air Periukan merupakan salah satu wilayah yang memiliki potensi besar untuk perkembangan produk keuangan syariah, namun masih terbatas dalam hal pemahaman dan akses informasi mengenai produk perbankan syariah, khususnya produk Bank Tabungan Negara (BTN) Syariah. Tujuan dari kegiatan pengabdian ini adalah untuk memberikan pemahaman kepada masyarakat mengenai produk keuangan syariah yang ditawarkan oleh Bank Tabungan Negara (BTN) Syariah, mengubah persepsi bahwa produk bank syariah sama dengan produk bank konvensional, serta mendorong masyarakat untuk mulai menggunakan layanan keuangan syariah dalam kehidupan sehari-hari. Kegiatan pengabdian ini dilaksanakan di Desa Lokasi Baru, Kecamatan Air Periukan. Dalam pelaksanaannya, pengabdi menggunakan metode praktik langsung melalui pendekatan survei, wawancara, dan dokumentasi. Hasil dari kegiatan ini menunjukkan adanya peningkatan pemahaman dan pengetahuan masyarakat terhadap produk keuangan syariah. Masyarakat mulai memahami perbedaan mendasar antara sistem syariah dan konvensional, serta menunjukkan minat untuk menggunakan produk keuangan syariah dalam kehidupan sehari-hari.

Work Motivation Women Entrepreneurs in Islamic Economic Perspective: (Study at the Simpang Kandis, Sumber Jaya Village, Kampung Melayu District, Bengkulu City) Cresy Lorenza; Romi Adetio Setiawan; Yenti Sumarni; Nilay Shah
Journal of Islamic Economics Perspectives Vol. 6 No. 1 (2024): February (2024) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v6i1.127

Population growth which continues to increase every year will cause many problems, one of which is the lack of job opportunities, as a result the number of unemployed is increasing which has an impact on economic conditions in Indonesia. Therefore, economic development will be more successful if it is supported by entrepreneurs who can create job opportunities. Entrepreneurship is not only dominated by men but also the emancipation of women. Women who choose to become entrepreneurs certainly have their own reasons why they made the decision to become entrepreneurs. This research aims to determine the background that motivates women to engage in entrepreneurial activities and to determine the Islamic economic perspective related to the work motivation of entrepreneurial women in the Simpang Kandis area, Sumber Jaya Village, Kampung Melayu District, Bengkulu City. This research uses a qualitative descriptive approach using field research. The research results show that women's work motivation in entrepreneurship in Simpang Kandis is caused by several factors, including economic needs, encouragement from the family, and available market potential. In an Islamic economic perspective, women are permitted to engage in entrepreneurship outside the home, but this must be accompanied by permission or blessing from their husband or parents. Apart from that, they are also expected not to neglect their household duties and become entrepreneurs with the aim of meeting their daily needs. However, this research also shows that women involved in entrepreneurship have not fully implemented the values recommended by Islam. Even though they have good intentions, piety in their work, and sincerity in their work, they are not yet fully transparent in selling their products to consumers regarding the quality of their merchandise. Apart from that, a friendly attitude towards buyers is also lacking. This research indicates that there is potential to increase the suitability of women's entrepreneurial practices with Islamic values in the Simpang Kandis area. However, further efforts are needed to improve the understanding and implementation of these values in their entrepreneurial practices.

Dampak Kawasan Pelabuhan Dalam Kehidupan Ekonomi Masyarakat Di Pulau Baai Bengkulu Perspektif Ekonomi Syariah Marzelino Arif Julyandri; Romi Adetio Setiawan; Andi Cahyono
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 1: November 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i1.11757

Penelitian ini bertujuan untuk menganalisis dampak pelabuhan terhadap pendapatan, pekerjaan, dan distribusi kebutuhan pokok masyarakat sebelum dan sesudah pendangkalan, serta mengevaluasinya dari perspektif ekonomi syariah dengan menitikberatkan pada prinsip keadilan, keseimbangan, dan kemaslahatan. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif, melalui wawancara mendalam, observasi, dan dokumentasi. Informan penelitian dipilih dengan teknik purposive sampling yang terdiri dari 12 orang: nelayan, pedagang, dan pekerja pelabuhan. Hasil penelitian menunjukkan bahwa pendangkalan pelabuhan berdampak signifikan pada penurunan pendapatan nelayan akibat kelangkaan BBM, kenaikan harga barang pokok yang dirasakan pedagang dan konsumen, serta berkurangnya intensitas kerja buruh pelabuhan. Dari perspektif ekonomi syariah, kondisi ini mencerminkan belum terwujudnya keadilan distribusi ekonomi (al-‘adl al-iqtisadi) dan maslahah bagi masyarakat kecil. Penelitian ini merekomendasikan pentingnya perbaikan infrastruktur pelabuhan, stabilisasi distribusi energi dan kebutuhan pokok, serta penguatan lembaga keuangan syariah di kawasan pelabuhan guna mendukung UMKM dan masyarakat pesisir.

Strategi Branding dan Pemasaran untuk Menarik Jamaah Milenial Chandra Putra Atmaja; Romi Adetio Setiawan; Yunida Een Fryanti
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.v10i4.27811

Penelitian ini bertujuan untuk menganalisis strategi branding dan efektivitas pemasaran yang diterapkan oleh PT Alhijaz Indowisata Cabang Kota Bengkulu dalam menarik minat jamaah milenial. Metode yang digunakan adalah kualitatif dengan analisis deskriptif dengan teknik purposive. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa strategi branding yang digunakan mencakup penggunaan identitas visual seperti logo, warna, dan nama perusahaan yang mudah dikenali, serta pemanfaatan media sosial secara aktif sebagai sarana promosi dan edukasi. Strategi pemasaran mencakup penyediaan berbagai pilihan paket umrah, penetapan harga yang kompetitif, promosi digital, dan pelayanan yang berorientasi pada kenyamanan jamaah. Strategi tersebut terbukti efektif dalam menjangkau jamaah milenial yang cenderung lebih responsif terhadap media digital. Simpulan dari penelitian ini menunjukkan bahwa kombinasi strategi branding yang kuat dan pemasaran digital yang terarah mampu membangun citra positif perusahaan serta meningkatkan minat jamaah, khususnya dari kalangan generasi milenial.

Pengaruh Pengetahuan Investasi dan Return Saham Terhadap Minat Mahasiswa Dalam Berinvestasi di Galeri Investasi Syariah Anisa Pitriyani; Romi Adetio Setiawan; Citra Liza
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.2956

The capital market is a meeting place for investors and issuers where one of the parties included as an investor is a student at the Faculty of Islamic Economics and Business who is expected to become an expert investor in the field of sharia capital markets. Students' investment interest is influenced by several factors, including investment literacy and stock returns. One of the capital market instruments is investment, namely capital investment carried out by a person or legal entity with the aim of increasing the value of capital. Based on the factors found, researchers are interested in researching students' interest in investing. Researchers want to know the results of the influence of the two factors, namely investment knowledge and stock returns on students' interest in investing so that it can become a benchmark for institutions, especially the Sharia Investment Gallery, in attracting investor interest, especially students of the Sharia Economics Study Program, Faculty of Islamic Economics and Business. The factors that will be used by researchers are the quality of investment knowledge and stock returns. Thus the title of this research is "The Influence of Investment Knowledge and Stock Returns on Students' Interest in Investing in the Sharia Investment Gallery". This research uses a quantitative approach with hypothetical visitors using multiple linear regression analysis methods and classical assumption testing. The sampling technique uses purposive sampling. Where the results of this research show that investment literacy influences the investment interest of students at the Islamic Economics and Business Faculty of UIN Fatmawati Sukarno, Bengkulu. Stock returns influence the investment interest of students at the Islamic Economics and Business Faculty of UIN Fatmawati Sukarno Bengkulu. Simultaneously both influence the investment interest of students at UIN Fatmawati Sukarno Bengkulu. Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu, where the results of this research are expected to be a reference for the capital market in attracting investor interest or for students themselves in carrying out research.

Literasi Ekonomi Syariah pada Kelompok Tani Desa Kaana Kecamatan Enggano Gunawan Amirudin; Romi Adetio Setiawan; Evan Stiawan
Economic Reviews Journal Vol. 3 No. 4 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i4.557

The aim of sharia economic literacy in the Kaana village farmer group, Regano subdistrict is to educate members of the Agree Farmer group in order to increase understanding and knowledge in understanding Islamic economics in life in the Kaana village farmer group, Regano subdistrict, North Bengkulu district, Bengkulu province. Before the assistance was implemented, many of the members of the farmer groups still did not understand sharia economics. Then at the end of the service assistance, the farmer group members agreed that the farmers of Kaana village, Ogano subdistrict, North Bengkulu district were able to know/understand the guidelines used in buying and selling activities following the sharia economic system which is based on the Al-Quran and Hadith.

Pengaruh Pengetahuan Investasi dan Return Saham Terhadap Minat Mahasiswa Dalam Berinvestasi di Galeri Investasi Syariah Anisa Pitriyani; Romi Adetio Setiawan; Citra Liza
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.2956

The capital market is a meeting place for investors and issuers where one of the parties included as an investor is a student at the Faculty of Islamic Economics and Business who is expected to become an expert investor in the field of sharia capital markets. Students' investment interest is influenced by several factors, including investment literacy and stock returns. One of the capital market instruments is investment, namely capital investment carried out by a person or legal entity with the aim of increasing the value of capital. Based on the factors found, researchers are interested in researching students' interest in investing. Researchers want to know the results of the influence of the two factors, namely investment knowledge and stock returns on students' interest in investing so that it can become a benchmark for institutions, especially the Sharia Investment Gallery, in attracting investor interest, especially students of the Sharia Economics Study Program, Faculty of Islamic Economics and Business. The factors that will be used by researchers are the quality of investment knowledge and stock returns. Thus the title of this research is "The Influence of Investment Knowledge and Stock Returns on Students' Interest in Investing in the Sharia Investment Gallery". This research uses a quantitative approach with hypothetical visitors using multiple linear regression analysis methods and classical assumption testing. The sampling technique uses purposive sampling. Where the results of this research show that investment literacy influences the investment interest of students at the Islamic Economics and Business Faculty of UIN Fatmawati Sukarno, Bengkulu. Stock returns influence the investment interest of students at the Islamic Economics and Business Faculty of UIN Fatmawati Sukarno Bengkulu. Simultaneously both influence the investment interest of students at UIN Fatmawati Sukarno Bengkulu. Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu, where the results of this research are expected to be a reference for the capital market in attracting investor interest or for students themselves in carrying out research.

Analisis Dampak Lingkungan pada Usaha Barang Bekas Perspektif Ekonomi Islam: Studi pada Pengusaha Barang Bekas di Kelurahan Pagar Dewa Kota Bengkulu Dona Kaita; Romi Adetio Setiawan; Khairiah Elwardah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i3.6276

This research aims to analyze the environmental impact on used goods business activities in Pagar Dewa Village, Bengkulu City, by referring to Standard Operating Procedures (SOP) and Environmental Impact Analysis (AMDAL) regulations from an Islamic economic perspective. This study specifically uses the maslahah murrasa approach in fiqh rules as the main analytical framework. The research method used is field research with a qualitative approach. The research results show that there are a number of problems related to the responsibility of second-hand goods entrepreneurs towards environmental aspects. Entrepreneurs in the area are known to set up businesses in residential areas, which results in air and environmental pollution. This pollution has a direct impact on the surrounding community, which experiences continuous disturbances in the form of unpleasant odors. Until now, no concrete solution has been found by entrepreneurs to overcome this problem. In a review of Islamic economics, it was found that business actors have not fully complied with Islamic principles regarding environmental management and preservation. Based on the analysis of natural resources and the environment from an Islamic perspective, the Al-Istislah concept and the approach to the basic objectives of Islamic law (Maqasid al-Syari'ah) should be the main guidelines for business actors in maintaining a balance between economic benefits and environmental preservation.

EKSPLORASI PEMANFAATAN TEKNOLOGI INFORMASI DALAM MENINGKATKAN DAYA SAING UMKM PESANTREN DI ERA DIGITAL Pandary, Pandary Ary Yanti; Romi Adetio Setiawan; Andi Harpepen
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/9wb2kr59

This study aims to analyze the adoption and implementation of information technology, particularly e-commerce and social media, in improving the competitiveness of Islamic Boarding School MSMEs at the Nurul Qur'an Islamic Boarding School in Lebong Atas District. This study uses a descriptive qualitative approach with data collection techniques through observation, interviews, and documentation of five informants who are managers of Islamic boarding school MSMEs. The results of the study indicate that the use of information technology has a positive impact on expanding marketing reach, increasing revenue, and strengthening the image and uniqueness of Islamic boarding school MSME products. Social media and marketplaces are the main digital marketing tools that are considered easy to use and effective in reaching consumers outside the local area of the Islamic boarding school. However, the use of information technology still faces several obstacles such as limited human resources, low digital literacy, and limited supporting facilities and infrastructure. Therefore, it is necessary to increase human resource capacity and continuous mentoring so that the use of information technology can be optimized as a strategy to increase the competitiveness of Islamic boarding school MSMEs in the digital era.

Manajemen Pelayanan dalam Meningkatkan Kepuasan Jamaah Haji dan Umrah (Pada Travel Holiday Angkasa Wisata Kota Bengkulu) Billy Dwi Putra; Romi Adetio Setiawan; Kustin Hartini
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 8 No. 2 (2025): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2025.vol8(2).27295

Penelitian ini bertujuan untuk menganalisis implementasi manajemen pelayanan dalam meningkatkan kepuasan jamaah pada PT. Holiday Angkasa Wisata cabang Kota Bengkulu. Metode yang digunakan adalah kualitatif dengan pendekatan deskriptif. Data diperoleh melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa manajemen pelayanan yang dilakukan meliputi pelayanan administrasi, bimbingan manasik secara daring dan langsung, akomodasi, konsumsi, transportasi, serta layanan kesehatan yang terpadu. Faktor pendukung meliputi izin resmi dan promosi aktif, sedangkan faktor penghambat mencakup kendala teknis dan kurangnya pemahaman jamaah. Simpulan dari penelitian ini menunjukkan bahwa pelayanan yang diberikan telah memberikan kontribusi positif terhadap kepuasan jamaah.

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