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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Tafaqquh: Jurnal Penelitian Dan Kajian Keislaman Journal of Economic, Bussines and Accounting (COSTING) Murobbi: Jurnal Ilmu Pendidikan Jurnal Ekonomika Manajemen Dan Bisnis Jurnal Ekonomi, Akutansi dan Manajemen Nusantara El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Cendekia Ilmiah
Supardi Mursalin
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Industrial & Manufacturing Engineering Social Sciences Other

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Pengaruh Fitur Shopee Paylater, Perilaku Impulse Buying Dan Motivasi Hedonis Terhadap Sikap Tabzir Pada Mahasiswa Ekonomi Syariah UIN Fatmawati Sukarno Bengkulu Yudia Gusti Fitiyani; Supardi Mursalin; Rahmat Putra Ahmad Hasibuan
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 5 No. 1 (2026): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v5i1.4233

Abstract

This study aims to determine the effect of the Shopee PayLater feature, impulse buying behavior and hedonic motivation on tabzir attitudes in Islamic economics students of UIN Fatmawati Sukarno Bengkulu. This study uses a quantitative method that uses multiple linear regression with primary data collection techniques in the form of questionnaires distributed to 168 respondents. The results of this study reveal that: (1) the Shopee PayLater feature does not affect tabzir attitudes in Islamic economics students (2) impulse buying behavior affects tabzir attitudes in Islamic economics students (3) hedonic motivation affects tabzir attitudes in Islamic economics students (4) the Shopee PayLater feature, impulse buying behavior and hedonic motivation together influence tabzir attitudes in UIN Fatmawati Sukarno Bengkulu students. These findings provide insights into the importance of managing consumer behavior among students to prevent wasteful spending, particularly regarding the use of online payment features that facilitate excessive consumption.
Efektivitas Digital Marketing Berbasis Influencer dalam Promosi Produk Umrah di Media Sosial Instagram (Studi pada PT. Rayyah Arga Anugrah Kota Bengkulu) Sabrina Aulia Salsabilla; Supardi Mursalin; Evan Stiawan
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.v11i1.30780

Abstract

The development of digital technology has encouraged Umrah travel agencies to implement social media–based marketing strategies. Instagram has become one of the most effective platforms for promoting Umrah services. This study aims to analyze the implementation of digital marketing and the effectiveness of influencer-based digital marketing at PT Rayyah Arga Anugrah in Bengkulu City. This research employs a descriptive qualitative approach with a case study method. Data were collected through observation, interviews, and documentation. The research informants consisted of six individuals, including management or marketing staff of PT Rayyah Arga Anugrah, influencers who collaborate with the company, and Umrah pilgrims as service users. Data analysis was conducted qualitatively through data reduction, data presentation, and conclusion drawing. The results indicate that PT Rayyah Arga Anugrah has implemented digital marketing by utilizing Instagram as its main promotional medium. The strategies include managing informative and consistent visual content and collaborating with credible influencers. Influencer-based digital marketing is considered effective in strengthening branding, expanding promotional reach, and building trust among prospective pilgrims, which has a positive impact on increasing interest in Umrah registration.
Analisis Manajemen Resiko Calon Jamaah Umroh (Studi di Desa Talang Tinggi Kabupaten Seluma) Indra Heriyantoni Pratama; Supardi Mursalin; Khozin Zaki
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.v11i1.30842

Abstract

This study aims to analyze the risk management faced by prospective Umrah pilgrims, particularly victims of Umrah Package fraud in Talang Tinggi Village, Seluma Regency, this study used a qualitative descriptive approach with data collection techniques through observation, interviews, and documentation. The research informants consisted of prospective Umrah pilgrims, fraud victims, and umrah travel agencies. The result show that prospective Umrah pilgrims face various risk, including administrative, operational,legal, economic, social, and psychological risks. The most dominant risks are economic and legal risks, which cause financial losses and uncertainty about departure. The implementation of risk management is carried out through the stages of identification, analysis, evaluation, and risk mitigation. Recommended strategies include increasing pilgrim literacy regarding travel legality, transparency ind fund management, strengthening internal coordination of travel agencies, and emotional support for victims. The impelentation of appropriate risk management is expected to minimize the potential for fraud and increase protection for prospective Umrah pilgrims
Manajemen Produk BSI Griya dalam Menghadapi Pembiayaan Bermasalah di BSI KCP Bengkulu Sudirman Ardiansyah Ardiansyah; Supardi Mursalin; Debby Arisandi
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.v11i2.31345

Abstract

Tujuan penelitian ini untuk mengetahui proses manajemen risiko produk BSI Griya dalam Pembiayaan Kepemilikan Rumah (PPR) dan langkah strategi penyelesaiannya yang diterapkan oleh Bank Syariah Indonesia (BSI) KCP Bengkulu Sudirman. Subyek dalam penelitian ini adalah kepala marketing pembiayaan, staff pembiayaan, staff bagian penyelesaian pembiayaan dan tiga orang nasabah. Penelitian ini menggunakan metode penelitian lapangan dengan jenis kualitatif pendekatan deskriptif, pengumpulan data meliputi teknik wawancara, observasi dan dokumentasi, penyajian data berbentuk narasi deskriptif dari hubungan antar komponen, serta strategi yang diterapkan oleh pihak bank. Hasil penelitian ini mengungkapkan bahwa proses manajemen risiko khususnya pada produk BSI Griya pembiayaan pemilikan rumah di BSI KCP Bengkulu Sudirman telah sesuai dengan kerangka ISO 31000:2018 yang mengidentifikasi, mengukur, memantau dan pengendalian dengan meliputi proses 5C secara ketat sebelum akad dan pencairan, pemantauan dilakukan secara berkala setelah pencairan, klasifikasi nasabah berdasarkan tingkat kategori risiko dan strategi penyelesaian pembiayaan bermasalah dilakukan melalui upaya penyelamatan dan penyelesaian dengan karakter nasabah sebagai faktor inti dari penyebab NPF.
Upaya Mitigasi Risiko Pasar Pembiayaan Cicil Emas Bank Syariah Indonesia Kantor Cabang Adam Malik Kota Bengkulu Ani Khusnul Hatimah; Supardi Mursalin; Katra Pramadeka
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.v11i2.31383

Abstract

This study aims to identify the forms of market risk and analyze market risk mitigation efforts in gold installment financing at Bank Syariah Indonesia's Adam Malik Branch Office in Bengkulu City. This study employed a qualitative method with a descriptive approach. Data sources consisted of primary and secondary data. Primary data were obtained through in-depth interviews and observations of pawning officers and customers using gold installment products, while secondary data were obtained from official bank documents, standard operating procedures (SOPs), and relevant literature. Data collection techniques included interviews, observation, and documentation. Data analysis utilized the stages of data reduction, data presentation, and conclusion drawing, referring to the ISO 31000:2018 risk management framework. The results indicate that the primary market risk stems from gold price fluctuations, which impact the value of collateral and potentially lead to losses for the bank. Risk mitigation efforts include customer eligibility analysis, setting appropriate margins, regular gold price monitoring, and ongoing financing oversight. The implementation of ISO 31000:2018-based risk management helps the bank manage risk systematically and structuredly, resulting in safer and more stable financing. This research is expected to contribute to the development of Islamic banking risk management, especially in gold installment financing products.
Pengaruh Influencer, Financial Technology dan Perencanaan Keuangan terhadap Keputusan Investasi Investor Muda di Pasar Modal Syariah Wahyuni Sri Rezeki; Supardi Mursalin; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31652

Abstract

This study aims to examine the influence of influencers, financial technology, and financial planning on the investment decisions of young investors in the Islamic capital market, both partially and simultaneously. This research employs a quantitative approach with a causal associative research design. The population of this study consists of sharia stock investors registered with KISI Securities at STIA Bengkulu, with a sample of 50 respondents selected using purposive sampling techniques. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS version 18. The results show that, partially, influencers do not have a positive and significant effect on the investment decisions of young investors in the Islamic capital market. Meanwhile, financial technology and financial planning have a positive and significant effect on investment decisions. Simultaneously, influencers, financial technology, and financial planning have a significant effect on investment decisions. This study indicates that the investment decisions of young investors are more influenced by technological factors and financial planning capabilities rather than social influence from influencers. Keywords: Influencers, Financial Technology, Financial Planning, Investment Decisions, Islamic Capital Market.
Analisis Persepsi Konten Kreator Tentang Fitur Monetisasi Facebook Pro dan Kesesuaian dengan Prinsip Ekonomi Syariah Erex Yofanra; Supardi Mursalin; Katra Pramadeka
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): 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.v7i3.11766

Abstract

The purpose of this study is to determine the Perception of Facebook Pro Content Creators towards the Monetization Features provided by Facebook Pro. To determine the suitability of Facebook Pro Content Creators' perceptions and sharia economic principles in the context of monetization on the Facebook Pro platform. Qualitative approach type. The results of the Content Creator Perception study of the Facebook Pro monetization feature are generally positive. This feature provides additional income opportunities that are beneficial, especially for housewives and Facebook Pro users who have monetized by uploading consistent, interesting content that is widely liked by other users. The existence of Monetization Features such as in-stream ads, Reels Ads, Donations, and Bonuses can help improve the welfare of both financial and non-financial creators. Compliance with Sharia Economic Principles, such as fairness, transparency, and benefits, are generally met in the Facebook Pro monetization feature. However, some aspects such as uncertainty in revenue sharing or conditions that are not fully understood by creators need to be improved to be more transparent and in accordance with sharia values.
Co-Authors Aditya Agni Ani Khusnul Hatimah Ardiansyah Ardiansyah Atisa Prianti Debby Arisandi Erex Yofanra Esti Alfiah Evan Stiawan Fidiyah Rayina Sugesti Hamdan Hamdan Indra Heriyantoni Pratama Juleha Safitri Katra Pramadeka Khozin Zaki Kustin Hartini Makmur Makmur Reza Nadia Trisca Rahmah Rahmah Rahmat Putra Ahmad Hasibuan Romi Adetio Setiawa Sabrina Aulia Salsabilla Syaifuddin Syaifuddin Wahnesly Nurliya Anggraini Wahyuni Sri Rezeki Yenti Sumarni Yetti Afrida Indra Yudia Gusti Fitiyani