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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah An-Nisbah : Jurnal Perbankan Syariah KENDALI: Economics and Social Humanities JSE: Jurnal Sharia Economica
Desi Isnaini
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Economics, Econometrics & Finance Social Sciences

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Evaluasi Kinerja Perbankan Syariah dengan Pendekatan Islamicity Performance Index (IPI) Lita Patricia Novianty; Desi Isnaini
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.6362

Abstract

This study aims to determine the performance of Islamic Banking In Indonesia with the IsIamicity Performance Index approach with the ratio of P.S.R., Z.P.R., E.D.R., and I.I.C. This research method uses a quantitative approach. The type of research used is descriptive research with a quantitative approach. The data used is secondary data in the form of the annual report statements of Islamic banking for the 2016-2020 period. The samples in this study were three banks. The results show that the Profit Sharing Ratio (P.S.R.) of B.C.A. Syariah Bank and Bank MuamaIat Indonesia get a good predicate with a value of >30%. In the Zakat Performance Ratio (Z.P.R.), all samples get an insufficient predicate with a discount of <35% The EquitabIe Distribution Ratio (E.D.R.) Qardh and Donations, all models received a vague predicate with a value of <35%. The equitable Distribution Ratio (E.D.R.) of all samples of the workforce also received an unfordable predicate with a value of <35%. fair Distribution Ratio (E.D.R.) The net profit of all pieces received an insufficient predicate with a value <35%. In the ratio of Islamic Income vs. Non-Islamic Income, all models get an excellent predicate with a value of >35% and an average of 99.98%
Implementasi Akad Murabahah pada Pembiayaan KPR IB Hijrah : (Studi Pada Bank Muamalat Kantor Cabang Bengkulu) Novi Talia; Desi Isnaini; Uswatun Hasanah
An-Nisbah: Jurnal Perbankan Syariah Vol. 7 No. 1 (2026): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v7i1.4723

Abstract

Perkembangan perbankan syariah di Indonesia mengalami pertumbuhan yang pesat seiring meningkatnya kebutuhan masyarakat terhadap layanan keuangan yang berlandaskan prinsip syariah. Namun, dalam praktiknya masih ditemukan keraguan dan perbedaan pemahaman masyarakat terhadap implementasi akad syariah, khususnya akad murabahah pada pembiayaan kepemilikan rumah. Kredit Pemilikan Rumah (KPR) iB Hijrah yang ditawarkan oleh Bank Muamalat kerap dipersepsikan memiliki kesamaan dengan pembiayaan konvensional, terutama terkait penetapan margin yang dianggap menyerupai bunga. Kondisi tersebut menunjukkan adanya kesenjangan antara konsep normatif akad murabahah dan implementasinya di lapangan, sehingga diperlukan kajian empiris yang komprehensif. Penelitian ini bertujuan untuk mengetahui dan menganalisis implementasi akad murabahah pada pembiayaan KPR iB Hijrah di Bank Muamalat Kantor Cabang Bengkulu serta mengidentifikasi tantangan yang dihadapi dalam penerapannya. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan teknik pengumpulan data berupa wawancara, observasi, dan dokumentasi. Informan penelitian terdiri atas pegawai Bank Muamalat yang memahami dan terlibat langsung dalam pelaksanaan pembiayaan syariah. Hasil penelitian menunjukkan bahwa implementasi akad murabahah pada pembiayaan KPR iB Hijrah telah sesuai dengan ketentuan syariah. Hal ini ditunjukkan melalui kepemilikan objek pembiayaan oleh bank sebelum dijual kepada nasabah, transparansi harga pokok dan margin keuntungan, serta pelaksanaan akad yang terbebas dari unsur riba, gharar, dan maysir. Prosedur pembiayaan meliputi pengajuan berkas, analisis dan verifikasi kelayakan, appraisal rumah, pembelian rumah oleh bank, hingga penandatanganan akad. Kendala yang dihadapi antara lain rendahnya pemahaman nasabah terhadap konsep murabahah, kesalahpahaman margin sebagai bunga, serta minimnya literasi keuangan syariah. Secara umum, implementasi KPR iB Hijrah berjalan dengan baik, namun peningkatan edukasi masyarakat masih sangat diperlukan.
The Role and Function of the Sharia Supervisory Board in Supervising Sharia Banking (Study at BPRS Maslahat Dana Syariah Nusantara) Dafta Zatiwa; Desi Isnaini; Herlina Yustati
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.v11i3.31664

Abstract

This study aims to determine the role and function of the Sharia Supervisory Board in supervising BPRS Maslahat Dana Syariah Nusantara, the supervisory mechanism implemented by the Sharia Supervisory Board towards BPRS Maslahat Dana Syariah Nusantara, and the obstacles faced by the Sharia Supervisory Board in carrying out its supervisory function at BPRS Maslahat Dana Syariah Nusantara. This study uses a qualitative descriptive approach with field methods at PT BPRS Maslahat Dana Syariah Nusantara, Bengkulu. Data were collected through interviews, observations, and documentation, with informants selected using purposive sampling. Data analysis was carried out through collection, reduction, presentation, and drawing conclusions. The results of the study indicate that 1) the Sharia Supervisory Board of BPRS Maslahat Dana Syariah Nusantara Bengkulu plays a role in ensuring sharia compliance, reviewing and approving new products/services, conducting routine supervision and sharia audits, and submitting DSN-MUI fatwas to BPRS practices, 2) The supervisory mechanism of the Sharia Supervisory Board at BPRS Maslahat Dana Syariah Nusantara Bengkulu includes the appointment of members, supervision of bank operations, reporting of supervision results, and implementation of regulations to support sharia principles, and 3) Constraints of the Sharia Supervisory Board at BPRS Maslahat Dana Syariah Nusantara include limited competence and human resources, high workload and dual positions, as well as regulations and governance that do not fully support optimal sharia supervision.
Pengelolaan Dana Hibah pada Masjid Fadhlul A’zim di Kota Bengkulu (Perspektif Akuntansi Syariah) Anela Nistiani; Desi Isnaini; Yuninda Een Friyanti
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.v11i3.31852

Abstract

This study aims to analyze the management of grant funds at Fadhlul A’zim Mosque in Bengkulu City from the perspective of Islamic accounting. The research focuses on the processes of planning, receiving, utilizing, and reporting grant funds, as well as the implementation of Islamic values such as trustworthiness, honesty, transparency, and accountability in mosque financial management. This study employed a qualitative approach using a case study method. Data were collected through observation, in-depth interviews, and documentation involving mosque administrators, congregants, and related parties. Data analysis was conducted using the Miles and Huberman interactive model consisting of data reduction, data presentation, and conclusion drawing. The results indicate that the management of grant funds at Fadhlul A’zim Mosque has been carried out systematically through deliberation, proposal preparation, phased fund disbursement, allocation of funds for mosque development, and preparation of accountability reports. Islamic values have been implemented through transparency in financial information and the appropriate use of funds according to predetermined objectives. However, the financial recording and reporting system is still relatively simple and has not fully complied with PSAK No. 45 concerning nonprofit financial reporting standards. Therefore, improvements in accounting systems and financial reporting practices are needed to achieve more professional, transparent, and Sharia-compliant grant fund management.
EDUKASI DIGITAL MARKETING BERBASIS APLIKASI TIK TOK BAGI PELAKU UMKM DI DESA SUKA RAMI, KECAMATAN AIR NIPIS, KABUPATEN BENGKULU SELATAN Feldi Rahman; Desi Isnaini; Andi Harpepen
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/9y29ht44

Abstract

This community service program aims to improve the digital marketing capabilities of MSME actors through the utilization of the Tik Tok application as a product promotion medium in Suka Rami Village, Air Nipis District, South Bengkulu Regency. The activity was motivated by the limited marketing methods used by MSMEs, which still relied on conventional promotion, resulting in limited market reach. The method used in this program was Asset Based Community Development (ABCD), consisting of asset identification, observation, socialization, training, mentoring, and evaluation stages. The materials provided included digital marketing concepts, content marketing, product photo and video creation techniques, video editing using the CapCut application, and promotional strategies through Tik Tok. The results of the program showed an improvement in the understanding and skills of MSME actors in creating business accounts, producing attractive promotional content, editing videos, and independently uploading promotional content on social media. The utilization of Tik Tok provides opportunities for MSME actors to expand market reach, strengthen product branding, and support sustainable business development
STRATEGI PENINGKATAN PENDAPATAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) WISATA PANTAI BATU KUMBANG KABUPATEN MUKOMUKO PERSPEKTIF INDUSTRI HALAL Siti Khodijah; Desi Isnaini; Khozin Zaki
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/3219wp93

Abstract

This study aims to analyze the income conditions of Micro, Small, and Medium Enterprises (MSMEs), the implementation of the halal industry concept, and strategies to increase MSME income in the Batu Kumbang Beach tourism area, Mukomuko Regency. The research employed a qualitative method with a descriptive approach. Data were collected through observations, interviews, and documentation involving MSME owners operating in the tourism area. The findings reveal that MSME income is influenced by several factors, including the number of tourist visits, business location, types of products or services offered, and the quality of customer service. The implementation of the halal industry concept is reflected in the use of halal raw materials, business cleanliness, friendly services, and a tourism environment that aligns with Islamic values. However, most MSME operators have not yet obtained official halal certification. Strategies to increase income include improving product and service quality, intensifying tourism promotion, maintaining environmental cleanliness, and encouraging halal certification ownership. The existence of Batu Kumbang Beach tourism has contributed positively to increasing MSME income and supporting the economic development of the surrounding community.
Implementasi Akad Rahn Pada Produk Gadai Emas di Bank Syariah Indonesia KC Bengkulu Adam Malik: Bank Syariah Indonesia KC Bengkulu Adam Malik Aulia Agustin Aulia; Desi Isnaini; Uswatun Hasanah
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 2 (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.v6i2.4122

Abstract

Gadai emas merupakan salah satu bentuk pembiayaan dengan menjadikan emas sebagai jaminan untuk memperoleh dana secara cepat, tanpa adanya imbal hasil. Fasilitas ini memberikan kemudahan bagi nasabah, dengan pelunasan yang dapat dilakukan sekaligus maupun dicicil dalam jangka waktu tertentu. Layanan gadai emas kini tidak hanya tersedia di Pegadaian Syariah, tetapi juga dikembangkan oleh berbagai bank syariah, termasuk Bank Syariah Indonesia. Penelitian ini bertujuan untuk mengetahui implementasi akad rahn dalam produk gadai emas di BSI KC Bengkulu Adam Malik serta menilai kesesuaiannya dengan prinsip syariah. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan deskriptif, melalui teknik pengumpulan data berupa wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa BSI menerapkan akad rahn, di mana emas yang dijadikan jaminan atas pinjaman tetap dimiliki oleh nasabah, sementara bank hanya mengenakan biaya ujrah (jasa penitipan). Seluruh proses pelaksanaan akad rahn di BSI telah sesuai dengan prinsip-prinsip syariah, seperti kejelasan akad, keadilan, dan bebas dari unsur riba. Penelitian ini diharapkan dapat meningkatkan pemahaman masyarakat terhadap produk gadai emas syariah serta menjadi masukan bagi pengembangan layanan di lembaga keuangan syariah.
PENGEMBANGAN EKOWISATA HALAL DI TAMAN HUTAN MANGROVE PULAU BAAI KOTA BENGKULU DALAM TINJAUAN EKONOMI MIKRO ISLAM Muhammad Ma’shum; Desi Isnaini; Katra Pramadeka
KENDALI: Economics and Social Humanities Vol. 4 No. 1 (2025): KENDALI: Economics and Social Sciences Humanities, Juli 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i1.733

Abstract

Penelitian ini bertujuan untuk menganalisis pengembangan ekowisata halal di Taman Hutan Mangrove Pulau Baai Kota Bengkulu serta meninjau penerapannya berdasarkan prinsip ekonomi mikro Islam, yaitu keadilan, keberkahan, dan keberlanjutan. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Informan dalam penelitian ini terdiri dari pengelola wisata, pelaku UMKM, dan wisatawan. Hasil penelitian menunjukkan bahwa pengembangan ekowisata halal di kawasan tersebut telah dilakukan melalui penyediaan fasilitas ibadah, makanan halal, serta suasana yang ramah bagi pengunjung Muslim. Masyarakat lokal dilibatkan aktif dalam kegiatan ekonomi, namun dari sisi fasilitas umum dan promosi masih memerlukan perbaikan. Dalam tinjauan ekonomi mikro Islam, prinsip keadilan hampir tercapai sempurna melalui pembagian ruang usaha yang adil, keberkahan mulai dirasakan dari suasana yang nyaman dan interaksi yang jujur, dan prinsip keberlanjutan mulai diterapkan melalui pelestarian lingkungan. Namun, ketiganya belum sepenuhnya terlaksana secara sempurna dan masih perlu diperkuat secara kelembagaan dan strategis.
Co-Authors Andi Harpepen Anela Nistiani Aulia Agustin Aulia Dafta Zatiwa Feldi Rahman Herlina Yustati Katra Pramadeka Khozin Zaki Lita Patricia Novianty Muhammad Ma’shum Novi Talia Siti Khodijah Uswatun Hasanah Yuninda Een Friyanti