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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) Management Studies and Entrepreneurship Journal (MSEJ) Jeksyah Borneo Islamic Finance and Economics Journal (BIFEJ)
Evan Stiawan
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Social Sciences Other

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Faktor-Faktor Yang Mempengaruhi Produktivitas Tenaga Kerja Pada PTPN VII Seluma Kurnia Permatasari; Cindy Tiara Putri; Asnaini Asnaini; Evan Stiawan
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 3 No. 4 (2022): MSEJ : Management Studies and Entrepreneurship Journal
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v3i4.992

Abstract

Riset ini dicoba dengan tujuan buat mengetahui variabel apa saja yang menjadi pendorong rendahnya produktivitas kerja pada PTPN VII Seluma. Data primer dalam penelitian ini diperoleh dari personil manufaktur PTPN VII dengan cara observasi serta penyebaran angket, sebaliknya informasi sekunder didapat dari buku, artikel serta harian. Metode riset yang dipakai periset merupakan tata cara deskriptif dengan pendekatan kuantitatif asosiatif. Sampel sebanyak 60 partisipan dipilih dengan menggunakan pendekatan probability sampling dengan menggunakan rumus slovin, sedangkan strategi pengelolaan data dalam penelitian ini menggunakan uji confirmatory factor analysis (CFA) dengan menggunakan program SPSS. Analisis ini digunakan untuk mengevaluasi suatu model instrumen. Berdasarkan temuan penelitian yang telah dilakukan usia, pendidikan, pengalaman kerja, dan gaji merupakan karakteristik yang dapat mempengaruhi produktivitas. Oleh karena itu, ada berbagai aspek yang perlu dikaji, terutama faktor usia yang paling krusial karena dari data yang telah dievaluasi hanya usia yang memiliki nilai signifikansi rendah. Kata Kunci : Produktivitas, Umur, Pendidikan, Pengalaman Kerja, dan Upah
Analisis Pemahaman Mahasiswa Perbankan Syariah Terhadap Akad Musyarakah Mutanaqishah Janes Kurnia Hadi; Miti Yarmunida; Evan Stiawan
Journal of Economic, Bussines and Accounting (COSTING) Vol 6 No 1 (2022): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v6i1.4412

Abstract

ABSTRACT This study aims to determine the level of understanding of Islamic Banking students class 2018 Faculty of Economics and Islamic Business Fatmawati Sukarno Bengkulu State Islamic University towards the musyarakah mutanaqisah contract. This type of research is field research, using a qualitative approach. This research was conducted in June 2022, at the Faculty of Economics and Islamic Business, UINFAS Bengkulu. Sources of data used are primary data sources obtained directly from students of the Faculty of Economics and Islamic Business who serve as respondents, and secondary data sources come from books, as well as other literature related to research. Data collection techniques used are Observation, Interview, and Documentation. The results of this study are to determine student understanding, researchers are guided by three categories, namely the ability to translate, the ability to interpret, and the ability to extrapolate. Based on these three categories, the level of understanding of the 8th semester students of the Islamic Banking study program at UINFAS Bengkulu about the musyarakah mutanaqisah contract is in a good percentage, many respondents easily translate each question given using their own language based on the material that has been given during lectures. Besides being able to translate, respondents are also able to interpret the material being asked, and are able to extrapolate. Keywords : understanding, sharia banking, musyarakah mutanaqisah
Pengaruh E – Wom Terhadap Consumer Decision Memilih PT. Permodalan Nasional Madani (PERSERO) Syariah Cabang Kota Bengkulu Dengan Brand Trust Sebagai Variabel Intervening Anisah Jayanti; Eka Sri Wahyuni; Evan Stiawan
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 11 No 1 (2023)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v11i1.2529

Abstract

A study entitled "Effects of EWOM on Consumer Decisions to Choose PT.Permodanlan Nasional Madani (Persero) Syariah Bengkulu City Branch Brand Trust as an intervening variable has the purposes of, firstly Analyzing Impact of eWom on shoppers Decisions, secondly. knowing the impact of E-Wom on brand trust, thirdly Analyzing impact of brand trust on buyer choice. This study is part of research included in the Expanatory Research Study category using a quantitative descriptive approach in research, analyzed through structural Equation Modeling which is processed using the software application version 20 analysis of moment structure. The sampling technique by purposive sampling is a method sampling through certain criteria and substituting objects in the study. For respondents, there were 136 people who were used as samples. After testing, the findings of the first research E-wom have an important influence on consumer decision and the probability value is 0.000 and the CR is 3,903, both E-wom are proven to have an important influence on brand trust, the probability value is 0.000 and the CR is 4.172, the three Trus Brands have an influence important in consumer decisions, the probability value obtained is 0.033 and the CR is 2.132.
Analisis Continuace Intention Penggunaan Aplikasi Ikisi untuk Investasi Saham Syariah Berdasarkan Model Unified Theory of Acceptance and Use of Technology (UTAUT) (Studi Kasus Investor Ikisi di Kota Bengkulu) Wulan Sumarni; Evan Stiawan; Yetti Afrida Indra
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.v11i1.31087

Abstract

This study aims to measure and analyze the influence of performance expectancy, effort expectancy, social influence, and facilitating conditions on the continuance intention of users of the iKISI application for sharia stock investment. The population in this study consists of iKISI investors. The method used is quantitative. The data used in this research are primary data obtained through the distribution of questionnaires to 96 investor respondents and analyzed using multiple linear regression analysis with the assistance of SPSS version 31.The results show that partially, performance expectancy and social influence do not have a significant effect on the continuance intention of iKISI application users. In contrast, effort expectancy and facilitating conditions are proven to have a positive and significant effect on continuance intention. Simultaneously, the four independent variables significantly influence continuance intention. The Adjusted R Square value of 0.265 indicates that the variables of performance expectancy, effort expectancy, social influence, and facilitating conditions are able to explain 26.5% of the variation in continuance intention, while the remaining percentage is influenced by other variables outside the research model.These findings indicate that the ease of using technology and the availability of supporting system facilities are important factors in encouraging the continued use of the iKISI application for sharia stock investment.
The Role of Digital Technology in the Development of Sharia Entrepreneurship in Community Empowerment Efforts Rudila Rudila Wati; Evan Stiawan; Andi Harpepen
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 6, NO.1, Juni 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.13361

Abstract

Abstract This research aims to understand the role of digital technology in supporting the development of sharia entrepreneurship and its contribution to community empowerment in the Perumdam Area, Bengkulu City. The research uses a qualitative method with data collection techniques through observation, interviews, and documentation from five research informants. The results of the study show that digital technology plays an important role as a means of business communication, promotional media, expanding market reach, and building good relationships with consumers, while still paying attention to sharia principles in it. In addition, it contributes to community empowerment through increasing family economic income, creating job opportunities, and community participation in economic activities, so that community business independence is formed. The novelty of this research lies in its focus on the integration of digital technology and sharia entrepreneurship practices at the micro level and their direct implications for community empowerment. Unlike previous studies that generally discuss digitalization, entrepreneurship training, or Islamic economics separately, this study provides a comprehensive perspective by examining how the utilization of digital technology in sharia-based MSMEs contributes to improving economic welfare, creating employment opportunities, and strengthening community independence in the Perumdam Area of Bengkulu City. Keywords: Digital Technology, Sharia Entrepreneurship, Community Empowerment
Determinants of Investment Interest in the Islamic Capital Market among Generation Z in North Bungku Regency, Indonesia Arnila Saputri; Evan Stiawan; Kustin Hartini
Jeksyah: Islamic Economics Journal Vol. 6 No. 01 (2026): May 2026 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v6i01.3500

Abstract

This study aims to analyze the influence of investment motivation, investment knowledge, technological advancement, and investment risk on investment interest in the Islamic capital market among Generation Z in North Bungku Regency, Indonesia. This study used a quantitative approach with a survey method with a sample of 100 respondents selected through purposive sampling. Data were collected through a Likert scale questionnaire (1–10) distributed via Google Forms and analyzed using multiple linear regression. The results show that investment knowledge and investment risk have a positive and significant influence on investment interest, while investment motivation and technological advancement do not have a significant partial effect. Simultaneously, all variables significantly influence investment interest. These findings indicate that rational factors, such as knowledge and risk awareness, play a more dominant role than motivational and technological factors in shaping investment interest among Generation Z. This study implies the importance of improving financial literacy and risk understanding through structured educational programs to increase participation in the Islamic capital market. Future research is recommended to include additional variables such as religiosity and digital financial literacy, as well as a broader and more diverse sample.
Pengaruh Reward dan Punishment Terhadap Kinerja Karyawan Muslim dalam Persepektif Bisnis Islam (Studi PT. Honda Bintang Motor Gading Cempaka Kota Bengkulu) Aji Dwiansyah; Yosy Arisandi; 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.v11i1.30389

Abstract

This research aims to analyze the effect of providing rewards and punishment on the performance of Muslim employees from an Islamic business perspective at PT. Honda Bintang Motor Gading Cempaka Bengkulu City. Employee performance is an important factor in the company's success, so an effective human resource management strategy is needed, one of which is through implementing a reward and punishment system that is in accordance with the principles of justice and Islamic ethics. This research uses a quantitative approach with a quantitative descriptive research type. Data was obtained by distributing questionnaires to 30 employees as respondents using a purposive sampling technique. Data analysis was carried out using multiple linear regression with the help of the IBM SPSS version 25 program. The research results showed that partially rewards had a positive and significant effect on employee performance, as did punishment which also had a positive and significant effect on employee performance. Simultaneously, reward and punishment have a significant effect on the performance of Muslim employees. The coefficient of determination value shows that reward and punishment are able to explain 65% of the variation in employee performance, while the remainder is influenced by other factors outside the research model. These findings show that implementing rewards and punishment that are fair, proportional and in accordance with Islamic business values ​​can improve employee performance optimally.
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.
Implementasi Sistem Operasional Pelayanan Tour Leader dalam Meningkatkan Kualitas Layanan Jamaah Umrah (Studi pada PT. Wafdullah Tamu Mulia Cabang Bengkulu) Dyana Karlina; Khairiah Elwardah; Evan Stiawan
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.v11i3.31507

Abstract

This study aims to determine the implementation of the operational system of tour leader services and the quality of services for Umrah pilgrims at PT. Wafdullah Tamu Mulia Bengkulu Branch. This study uses a qualitative approach with descriptive methods. Data collection techniques are carried out through interviews, observations, and documentation. Data analysis is carried out through data reduction, data presentation, and drawing conclusions. The results of the study indicate that the implementation of the operational system of tour leader services has been running quite effectively, as seen from the implementation of pre-departure briefings, supported by qualified human resources, the availability of adequate facilities, implementing programs in accordance with established SOPs, and being able to provide comfort to pilgrims. However, there are still obstacles in conveying communication with elderly pilgrims and the limited number of tour leaders and accompanying staff. The quality of services for Umrah pilgrims as a whole is good, this is indicated by the availability of adequate physical facilities, the accuracy of activity schedules, the smooth implementation of worship, the alertness of tour leaders in responding to the needs and emergency conditions of pilgrims, as well as a friendly, patient, and caring attitude, especially to elderly pilgrims. Tour leaders also have competence and professionalism in guiding the implementation of Umrah worship, so as to foster pilgrims' trust in the quality of services provided.
Strategi dan Dinamika Pelaksanaan Bimbingan Manasik Umrah dalam Meningkatkan Kesiapan Jamaah (Studi Kasus pada PT Wafdullah Tamu Mulia Cabang Bengkulu) Sri Wahyu Ningsih; Yosy Arisandi; Evan Stiawan
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.v11i3.31508

Abstract

The implementation of Umrah manasik guidance at PT Wafdullah Tamu Mulia Bengkulu Branch applies various strategies to prepare pilgrims, including systematic delivery of materials, practical simulations, personal approaches, the use of learning media, as well as mental and spiritual development. These methods aim to enhance the pilgrims’ understanding and readiness in performing the Umrah rituals. However, the instructors face several challenges related to the diverse backgrounds of the pilgrims, such as differences in educational levels, age, religious knowledge, and limited guidance time. These challenges require adjustments in teaching methods to effectively meet the needs of each pilgrim.
Co-Authors Aji Dwiansyah Andi Harpepen Anisah Jayanti Arnila Saputri Asnaini Asnaini Cindy Tiara Putri Debby Arisandi Dyana Karlina Eka Sri Wahyuni Hany Meridha Isnaeni Janes Kurnia Hadi Khairiah Elwardah Kurnia Permatasari Kustin Hartini Rudila Rudila Wati Sabrina Aulia Salsabilla Sri Wahyu Ningsih Supardi Mursalin Wulan Sumarni Yarmunida, Miti Yetti Afrida Indra Yosy Arisandi