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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) An-Nisbah : Jurnal Perbankan Syariah Borneo Islamic Finance and Economics Journal (BIFEJ) Indonesian Journal of Innovation Science and Knowledge
Evan Stiawan
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice 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.
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
Implementation Oof Tour Leader Operational Service System to Enhance Umrah Pilgrim Service Quality: A Case Study at PT. Wafdullah Tamu Mulia, Bengkulu Branch Dyana Karlina; Khairiah Elwardah; Evan Stiawan
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.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.
Strategies and Dynamics of Implementing Umrah Ritual Guidance to Enhance Pilgrim Preparedness: A Case Study at PT Wafdullah Tamu Mulia, Bengkulu Branch Sri Wahyu Ningsih; Yosy Arisandi; Evan Stiawan
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.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.
Analisis Pengaruh Ulasan Produk, Persepsi Harga, Dan Live Streaming Marketing Terhadap Minat Beli Produk Halal Di Tiktok Shop Hany Meridha Isnaeni; Evan Stiawan; Debby Arisandi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19724

Abstract

This study aims to explore the impact of product reviews, price perceptions, and live-streaming marketing on purchase intent for halal products on TikTok Shop. The rapid growth of social commerce, particularly through TikTok Shop, has transformed the way consumers shop online. The methodology used in this study is a quantitative approach involving 397 Generation Z respondents in Bengkulu City. Data collection was conducted by distributing a Likert-scale questionnaire. Data analysis was performed using SPSS, including validity and reliability testing, classical assumption tests, multiple linear regression analysis, t- and F-tests, and the coefficient of determination (R²). The research findings indicate that product reviews, price perception, and marketing via live streaming have a positive and significant influence on purchase intent, both individually and collectively. Among these variables, marketing via live streaming was found to have the most dominant impact. The coefficient of determination indicates that 53,8% of the variation in purchase intent can be explained by these three variables.
Pengaruh Aksesibilitas, Faktor Sosial Terhadap Kepercayaan Masyarakat pada Bank Syariah (Studi pada Masyarakat Pagar Dewa Kota Bengkulu) Helvina Dia Nengsi; Nurul Hak; Evan Stiawan
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 1 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i1.3565

Abstract

Perkembangan perbankan syariah di Indonesia belum sepenuhnya diikuti oleh meningkatnya kepercayaan masyarakat, khususnya di wilayah yang masih memiliki keterbatasan akses layanan dan tingkat literasi keuangan syariah yang beragam. Kondisi tersebut juga terjadi pada masyarakat Pagar Dewa Kota Bengkulu, di mana aksesibilitas layanan serta faktor sosial diduga menjadi faktor penting yang memengaruhi kepercayaan masyarakat terhadap bank syariah. Penelitian ini bertujuan menganalisis pengaruh aksesibilitas dan faktor sosial terhadap kepercayaan masyarakat pada bank syariah serta menguji peran pendidikan dalam memperkuat hubungan tersebut. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui penyebaran kuesioner kepada 80 responden yang dipilih menggunakan teknik stratified random sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS, didahului uji validitas, reliabilitas, dan uji asumsi klasik. Hasil penelitian menunjukkan bahwa aksesibilitas berpengaruh positif dan signifikan terhadap kepercayaan masyarakat dengan koefisien regresi sebesar 0,709 (p<0,001). Faktor sosial juga berpengaruh positif dan signifikan dengan koefisien sebesar 0,165 (p=0,038), sedangkan pendidikan memberikan pengaruh positif yang signifikan dengan koefisien sebesar 0,669 (p<0,001). Secara simultan, ketiga variabel berpengaruh signifikan terhadap kepercayaan masyarakat dengan nilai Adjusted R² sebesar 0,829, yang menunjukkan bahwa 82,9% variasi kepercayaan masyarakat dapat dijelaskan oleh model penelitian. Temuan ini memberikan implikasi bahwa peningkatan aksesibilitas layanan, penguatan literasi keuangan syariah, serta optimalisasi peran lingkungan sosial dan pendidikan merupakan strategi penting dalam meningkatkan kepercayaan masyarakat terhadap bank syariah. Penelitian ini diharapkan menjadi referensi bagi pengembangan strategi layanan dan kebijakan perbankan syariah yang lebih efektif.
Strategi Mitigasi Risiko Pembiayaan Murabahah (Studi Kasus Pada LKMS MM Sejahtera Kota Bengkulu) Fitria Rahmalia; Evan Stiawan; Rizky Hariyadi
Indonesian Journal of Innovation Science and Knowledge Vol. 3 No. 4 (2026): IJISK 2026
Publisher : Fakultas Pendidikan Ilmu Keguruan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijisk.v3i4.708

Abstract

Penelitian ini bertujuan untuk mengidentifikasi bentuk risiko pembiayaan murabahah dan menganalisis strategi mitigasi risiko yang diterapkan oleh Lembaga Keuangan Mikro Syariah (LKMS) MM Sejahtera Kota Bengkulu. Penelitian menggunakan pendekatan kualitatif deskriptif dengan jenis penelitian lapangan. Data diperoleh melalui wawancara, observasi, dan dokumentasi terhadap pihak internal lembaga serta nasabah sebagai informan pendukung. Analisis data menggunakan model interaktif Miles, Huberman, dan Saldaña melalui reduksi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa risiko pembiayaan murabahah terutama berupa keterlambatan pembayaran, penurunan kemampuan bayar, persoalan pemahaman akad, penggunaan dan pengembalian barang pembiayaan, serta kondisi eksternal dan internal lembaga. Strategi mitigasi dilakukan secara berlapis sejak pra-akad hingga pasca-akad melalui analisis 5C+1S, penggolongan kolektabilitas, pengelolaan portofolio, agunan, monitoring, pengawasan kondisi keuangan, penagihan, restrukturisasi, asuransi jiwa syariah, serta pengaturan mengenai barang pembiayaan. Temuan ini memperlihatkan bahwa mitigasi risiko pada LKMS tidak berhenti pada seleksi calon nasabah, tetapi merupakan proses berkelanjutan yang menggabungkan pencegahan, pemantauan, dan pemulihan pembiayaan.
Co-Authors Aji Dwiansyah Andi Harpepen Anisah Jayanti Asnaini Asnaini Cindy Tiara Putri Debby Arisandi Dyana Karlina Eka Sri Wahyuni Fitria Rahmalia Hany Meridha Isnaeni Helvina Dia Nengsi Janes Kurnia Hadi Khairiah Elwardah Kurnia Permatasari Nurul Hak Rizky Hariyadi Rudila Rudila Wati Sabrina Aulia Salsabilla Sri Wahyu Ningsih Supardi Mursalin Wulan Sumarni Yarmunida, Miti Yetti Afrida Indra Yosy Arisandi