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All Journal An-Nisbah: Jurnal Ekonomi Syariah Al-Ihkam: Jurnal Hukum dan Pranata Sosial DERIVATIF AL QUDS : Jurnal Studi Alquran dan Hadis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Ilmiah Bina Bahasa Jurnal Ilmiah Edunomika (JIE) Jurnal Asy-Syukriyyah Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah MALIA: Journal of Islamic Banking and Finance Jurnal Arastirma Bima Journal : Business, Management and Accounting Journal Jurnal Fokus Manajemen Mutlaqah: Jurnal Kajian Ekonomi Syariah Jurnal Hukum Ekonomi Syariah : AICONOMIA Borneo Islamic Finance and Economics Journal (BIFEJ) Imara: Jurnal Riset Ekonomi Islam Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat Jurnal Asy-Syukriyyah An-Nisbah: Jurnal Ekonomi Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Journal of Visionary Sharia Economy (JOVISHE) Madania: Jurnal Kajian Keislaman BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Asnaini Asnaini, Asnaini
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Minat Penggunaan Digital Payment Pada Mahasiswa Fatasya, Putri Aulia; Marandika, Muhammad Andrian; Azizah, Rahmi Nur; Purnamasari, Helen; Asnaini, Asnaini
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 4, NO.2, Desember 2024
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.v4i2.9489

Abstract

Abstract This study aims to analyze the influence of financial literacy and canggih literacy on the interest in using canggih payments among students of the Faculty of Islamic Economics and Business (FEBI) UIN Fatmawati Sukarno Bengkulu. The method used in this study is a quantitative approach with multiple linear regression analysis. Data were collected through questionnaires distributed to 70 respondents from a population of 230 students. The results of the study indicate that financial literacy has a positive and significant influence on the interest in using canggih payments, with a regression coefficient of 0.271. In addition, canggih literacy has also been shown to contribute positively to the use of canggih payment methods, with a regression coefficient of 0.258. Thus, it can be concluded that financial literacy and digital literacy partially have a positive and significant effect on the use of advanced payment tools. These findings emphasize the importance of increasing financial and canggih literacy among students to encourage more active and wise use of canggih payments. This research is expected to be a reference for the development of educational programs that focus on financial literacy and digital payments in educational institutions. Thus, the results of this study can provide knowledge to policy makers in designing effective strategies to improve students' understanding of the benefits and risks of using advanced payments. Keywords: Financial literacy, canggih literacy, canggih payments.
Efektivitas Lembaga Zakat dalam Pengentasan Kemiskinan: Studi Pustaka pada Pengelolaan Zakat di Indonesia Zaldi, Farhan; Asnaini, Asnaini
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 5, No 2 (2025): Edisi Januari
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/mutlaqah.v5i2.10522

Abstract

Penelitian ini mengkaji efektivitas lembaga zakat dalam pengentasan kemiskinan melalui tinjauan literatur yang berfokus pada pengelolaan zakat di Indonesia. Dengan menggunakan metode evaluatif kualitatif, penelitian ini menganalisis berbagai sumber, antara lain jurnal ilmiah, laporan tahunan lembaga zakat, dan dokumen kebijakan terkait. Fokus utama kajian ini adalah pengelolaan zakat yang transparan dan akuntabel, serta program pemberdayaan yang dirancang untuk meningkatkan kemandirian ekonomi para mustahik (penerima zakat). Temuan dari literatur menunjukkan bahwa tata kelola zakat yang efektif dan kolaborasi dengan pemerintah dan sektor swasta mempunyai potensi besar untuk mengurangi tingkat kemiskinan secara berkelanjutan. Selain itu, peran digitalisasi dan inovasi dalam pengelolaan zakat ditonjolkan sebagai faktor penting dalam meningkatkan partisipasi muzakki (pemberi zakat) dan memperluas jangkauan program pemberdayaan. Kajian ini memberikan rekomendasi bagi lembaga zakat untuk terus meningkatkan transparansi, akuntabilitas, dan inovasi dalam pengelolaan zakat untuk mendukung tujuan pengentasan kemiskinan di Indonesia.
Implementation of Maqasid Syariah in the Utilization of QRIS as a Digital Transaction Platform Putri, Anindya Cahya; Asnaini, Asnaini; Putri, Anita Eustacia
Imara: Jurnal Riset Ekonomi Islam Vol 8, No 2 (2024): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v8i2.13793

Abstract

Background. Since 2014, Bank Indonesia has implemented a program to use digital payment instruments known as National Non-Cash Movement. Bank Indonesia has innovated by creating electronic digital financial transactions using QR Codes, which can be used as a legitimate transaction tool. Since January 1, 2020, Indonesian people can use QR Codes through server-based electronic money applications, mobile banking, or electronic wallets.Purpose. The purpose of this research is specifically to answer the question of how QRIS is used in digital transactions, whether it fulfills the principles of maqashid sharia.Method. This study uses a qualitative descriptive method, by analyzing data from various sources. The data presented is in the form of statements, by collecting data through interviews or face-to-face meetings, and documentation. This study uses primary and secondary data. Data collection techniques in this study use interviews. This study also combines literature reviews, including books, essays, and other works, to support the findings.Results. This study found that the application of Maqasid Syariah in the implementation of QRIS increases user satisfaction and there is a significant correlation between QRIS users' understanding of Maqasid Syariah and the level of QRIS adoption. This study also found that the application of QRIS in digital transactions not only increases efficiency and financial inclusion in Indonesia, but also complies with the principles of Maqasid Syariah. This shows that a strong understanding of Maqasid Syariah among users can help increase QRIS adoption, despite challenges such as cybercrime.Conclusion. The importance of education about sharia and financial technology, so that the public is increasingly exposed to and can use QRIS more, so that it can encourage sustainable and inclusive digital economic growth in society. Users who understand the principles of Maqasid Syariah are more likely to use QRIS, because QRIS simplifies digital transactions and is in line with Sharia principles such as fairness and transparency
ANALISIS MARKET ORIENTATION PRODUK TABUNGAN IB HIJRAH PADA BANK MUAMALAT INDONESIA (BMI) (STUDI PADA NASABAH BANK MUAMALAT KC BENGKULU) Dwi Anggraini, Adita; Asnaini, Asnaini; Shar, Aan
Derivatif : Jurnal Manajemen Vol 18, No 2 (2024): November
Publisher : Universitas Muhammadiyah Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jm.v18i2.2445

Abstract

Tujuan penelitian ini adalah untuk mengetahui bagaimana orientasi pelanggan, orientasi pesaing dan koordinasi interfungsional yang dilakukan Bank Muamalat KC Bengkulu dalam menciptakan produk tabungan iB hijrah menurut nasabahnya. Dalam penelitian ini, peneliti menggunakan metode dengan jenis penelitian deskriptif dan pendekatan kuantitatif. Teknik pengambilan sampel yang digunakan adalah teknik pusposive sampling serta menggunakan teknik pengumpulan data primer berupa observasi dan kuesioner (angket) yang disebarkan pada 56 orang responden. Sedangkan data sekunder diperoleh dari buku, jurnal dan internet. Adapun teknik analisis data yang digunakan adalah metode rata-rata (Mean) dan tabel distribusi frekuensi yang dimana dihitung dengan skala interval. Dari hasil penelitian ini menunjukkan bahwa orientasi pelanggan produk tabungan iB hijrah pada Bank Muamalat KC Bengkulu sudah baik dengan nilai rata-rata 3,846 (baik); orientasi pesaing produk tabungan iB hijrah pada Bank Muamalat KC Bengkulu sudah baik dengan nilai rata-rata 3,767 (baik); dan koordinasi interfungsional produk tabungan iB hijrah pada Bank Muamalat KC Bengkulu sudah baik dengan nilai rata-rata 3,827 (baik).Kata kunci: Orientasi Pasar, Orientasi Pelanggan, Orientasi Pesaing, Koordinasi interfungsional
Influence Of Price And Trust On Consumer Interest In Using Travel Services For Hajj And Umrah At PT. Anugerah Quba Mandiri (A Study On The Community Of Tanah Tinggi Village, Padang Jaya Subdistrict) Yanti, Atika Norma; Asnaini, Asnaini; Muttaqin, Fasial
Jurnal Fokus Manajemen Vol 4 No 2 (2024): November
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v4i2.6968

Abstract

This study aims to explore the influence of price and trust on consumer interest in using the travel services of PT. Anugerah Quba Mandiri for Hajj and Umrah pilgrimages. A quantitative method was employed, collecting data through surveys from 69 respondents, who were potential or actual customers. A structured survey instrument was utilized to measure respondents' perceptions regarding price, trust, and consumer interest. The collected data were analyzed using multiple linear regression analysis to evaluate the relationship between price and trust with consumer interest. Additionally, validity and reliability tests were conducted to ensure the authenticity and dependability of the research instrument. The research findings indicate that price significantly influences consumer interest in utilizing the travel services of PT. Anugerah Quba Mandiri (t = 7.266, p < .001). However, trust does not show a significant influence (t = -0.293, p = .770.
PENDAMPINGAN PROSES PRODUK HALAL BAGI PRODUK RUMAHAN PADA MAHASISWA FEBI DALAM MENINGKATKAN KESADARAN HALALISASI PRODUK Wasisman, Zeti Agesti; Asnaini, Asnaini; Yustati, Herlina
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 1 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i1.16163

Abstract

Law number 33 of 2014 concerning halal product guarantees will begin to be implemented on october 17 2024, which requires Halal certification for three product categories, on of which is food and beverages. To support this initiative, the Halal Product Guarantee Organizing Agency (BPJPH) from the ministry of Religion has launched a free Halal Certification Program (SEHATI) 2023, by Providing a quota of Million for micro and small enterprises (UMK).Fatmawati Sukarno state Islamic University Bengkulu has several students who have a home-madeprocessed product business, be it food or drinks in several faculties, namely the faculty of islamic Economics and Business, the Faculty of Tadris and Tarbiyah, The Faculty of Ushuluddin Adab and Da’wah and the Faculty of Sharia and of Course Various Types of Processed food and drinks that are spread both online and offline sales and use saveral types of muamalah transactions, one of which is using the isthisna contract which means an order contract which means that an item that has been ordered must be produced/processed first. In this case it is a very important thing to guarantee the food or drinks products ordered, because as muslims, of course the most important thing that must be considered in purchasing food and drinks is guaranteed cleanliness, basic ingredients. Keywords: Assistance, Halal, Product 
The Empowerment of Majelis Taklim In Developing Independence of Household Economy in the Community of Kampung Nelayan Sejahtera of Bengkulu City Asnaini, Asnaini; Arisandy, Yosy; Eenfryanti, Yunida
Madania: Jurnal Kajian Keislaman Vol 23, No 2 (2019): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v23i2.6294

Abstract

This paper is aimed at providing a communication forum for the community of Kampung Nelayan Sejahtera of Bengkulu City. The effective and conducive interactions occur among the citizens in overcoming household economic problems, making a mapping of the family economic potential, and providing assistance that supports the development of the family economy according to the potential mapping results. This research uses transformative research methodology. The research reveals that the Majelis Taklim  (Islamic Study Forum) of household in Kampung Nelayan Sejahtera, the Prosperous Fishermen Village,  has begun to be active again with new targets on family economic empowerment in the field of entrepreneurs. The results of the map of the economic potential of the community's family shows that 2.94% of Muslim households in the Kampung Nelayan Sejahtera live in a prosperous condition (quadrant I), 30.39% in materially poor conditions, (quadrant II), and 14.71% of the observed households were in quadrant III (poor spiritual) and 51.96% are in quadrant IV (absolute poor). This means that the mapping of poor households in such village is in absolute poverty (materially and spiritually poor). Therefore, the focus of empowerment is on revamping material and spiritual abilities through the Majelis Taklim. Tulisan ini bertujuan untuk memberdayakan forum komunikasi bagi masyarakat Kampung Nelayan Sejahtera Kota Bengkulu. Interaksi yang efektif dan kondusif terjadi di antara warga dalam mengatasi masalah ekonomi rumah tangga, membuat pemetaan potensi ekonomi keluarga, dan memberikan bantuan yang mendukung pengembangan ekonomi keluarga sesuai dengan hasil pemetaan potensi. Penelitian ini menggunakan metodologi penelitian transformatif. Penelitian ini mengungkapkan bahwa Majelis Taklim (Forum Pengkajian Islam) rumah tangga di Kampung Nelayan Sejahtera sudah mulai aktif kembali dengan target baru pemberdayaan ekonomi keluarga di bidang wirausaha. Hasil peta potensi ekonomi keluarga masyarakat menunjukkan bahwa 2,94% rumah tangga Muslim di Kampung Nelayan Sejahtera hidup dalam kondisi sejahtera (kuadran I), 30,39% dalam kondisi miskin material, (kuadran II), dan 14,71 % rumah tangga yang diamati berada di kuadran III (spiritual buruk) dan 51,96% berada di kuadran IV (sangat miskin). Ini berarti bahwa pemetaan rumah tangga miskin di desa seperti itu berada dalam kemiskinan absolut (miskin secara material dan spiritual). Karena itu, fokus pemberdayaan adalah pada pembenahan kemampuan material dan spiritual melalui Majelis Taklim.
Correlation Between Conventional Theory and Islamic Economic Thought Novita, Dwi; Asnaini, Asnaini; Putra, Haris Maiza
Madania: Jurnal Kajian Keislaman Vol 27, No 2 (2023): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v27i2.2862

Abstract

This study discusses conventional economic theory, Islamic economic thought, and its correlation or relationship. Conventional economics views worldly life as an absolute right for humans, while Islamic economics teaches that worldly life is based on the principle of accountability to Allah SWT. Because of this difference, location of the difference is presented in this paper. This research is library research, conducted by analyzing and interpreting the theoretical matters related to the research. The results showed that; First, conventional economics is an economic theory related to "freedom" to move towards a free market and the economic system understands free trade in the era of globalization which aims to eliminate protectionism economic policies. Second, Islamic economics is a science that seeks to see, study, research, and finally solve economic problems in an Islamic way. Third, is the correlation between conventional economic theory and Islamic economic thought; conventional economics views science as something secular, while Islamic economics is based on religious principles. The research findings also show that the basic differences lie in differences in principles, differences in market mechanisms, differences in wealth distribution, differences in profits, differences in objectives, and differences in the concept of ownership. Penelitian ini membahas tentang teori ekonomi konvensional, pemikiran ekonomi Islam, dan korelasi atau keterkaitannya. Ilmu ekonomi konvensional memandang kehidupan duniawi sebagai hak mutlak bagi manusia, sedangkan ekonomi Islam mengajarkan bahwa kehidupan duniawi didasarkan pada prinsip pertanggungjawaban kepada Allah SWT. Karena perbedaan tersebut, lokasi perbedaannya disajikan dalam makalah ini. Penelitian ini merupakan penelitian kepustakaan, yang dilakukan dengan menganalisis dan menafsirkan hal-hal teoritis yang berkaitan dengan penelitian. Hasil penelitian menunjukkan bahwa; Pertama, ekonomi konvensional merupakan teori ekonomi yang berkaitan dengan “kebebasan” untuk bergerak menuju pasar bebas dan sistem perekonomiannya memahami perdagangan bebas di era globalisasi yang bertujuan untuk menghilangkan kebijakan ekonomi proteksionisme. Kedua, ekonomi Islam merupakan ilmu yang berupaya melihat, mengkaji, meneliti, dan akhirnya menyelesaikan permasalahan perekonomian dengan cara Islami. Ketiga, korelasi teori ekonomi konvensional dengan pemikiran ekonomi Islam; ilmu ekonomi konvensional memandang ilmu pengetahuan sebagai sesuatu yang sekuler, sedangkan ilmu ekonomi Islam didasarkan pada prinsip-prinsip agama. Temuan penelitian juga menunjukkan bahwa perbedaan mendasar terletak pada perbedaan prinsip, perbedaan mekanisme pasar, perbedaan distribusi kekayaan, perbedaan keuntungan, perbedaan tujuan, dan perbedaan konsep kepemilikan.
Pemberdayaan Masyarakat melalui Pengembangan Usaha Budidaya Ikan Gurami menggunakan Pendekatan ABCD di Yayasan Muslim Cendikia Bengkulu Tengah Subhan, Subhan; Joyo, Harisman; Heriansyah, Heriansyah; Kohar, Abdul; Gunawan, Rolly; Wahyudi, Jarot; Asnaini, Asnaini
KENDURI : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 3 No. 1 (2023): April
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/kenduri.v3i1.902

Abstract

This research aims to build the economy at the Muslim Cendikia Foundation in order to strive to improve people's welfare, welfare will be realized if people's income increases. One of them is by doing entrepreneurship through empowering Gurami fish ponds which are expected to increase people's income. The method used is the ABCD (Asset Based Community Development) approach by emphasizing empowerment, understanding the potential and challenges that are owned to improve quality individually and in groups. The result of this community service is that in empowering the community through developing a gourami fish farming business by using the ABCD Approach at the Muslim Cendikia Foundation Bengkulu Tengah, the authors found that this fish pond asset is very promising for improving the community's economy, so that people are aware of this to plan design as well as possible in accordance with the instructions of the fisheries service. Management of gourami has been carried out starting with seeding as many as 10 thousand fish which will be harvested in the next 8-12 months.
Analysis Of The Influence Of Lifestyle And Halal Labeling On Purchasing Decisions For Cosmetic Products In Pagar Jati Village, Central Bengkulu Handayani, Metri; Asnaini, Asnaini; Hartini, Kustin
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 1 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.1.527-538

Abstract

Purpose: The purpose of this study was to analyze and understand the effect of lifestyle and price on purchasing decisions for halal-labeled products, specifically among women in Pagar Jati Village, Central Bengkulu. Methodology: This study used a descriptive research design with a quantitative approach. A nonprobability sampling technique with saturated sampling was applied, selecting 82 respondents for the survey. Results: The results revealed that the lifestyle variable (X1) significantly influences purchasing decisions for cosmetic products, with a regression coefficient of 5.757 and a probability value of 0.0000, which is smaller than the significance level α = 0.05. The halal label variable (X2) also has a significant effect, with a regression coefficient of 2.522 and a probability value of 0.0137. Additionally, both variables together positively influence purchasing decisions, with a regression value of 31.830 and a probability value of 0.000. Findings: Lifestyle and halal label variables account for 43.2% of the influence on purchasing decisions for cosmetic products, with the remaining 56.8% being influenced by other factors not examined in this study. Novelty: This research provides new insights into the role of lifestyle and halal labeling in purchasing decisions within a specific demographic in Central Bengkulu. Originality: The study focuses on halal-labeled products, an area of growing interest in consumer behavior studies, particularly in the context of women in rural areas. Conclusions: Lifestyle and halal labeling significantly influence cosmetic product purchasing decisions, highlighting the importance of these factors in marketing strategies. Type of Paper: Empirical research paper.
Co-Authors Abdul Kohar Adisel, Adisel Afrianty, Nonie Ahmad Muzakky Arifin, Rahman Arisandy, Yosy Ayu Yuningsih Azizah, Rahmi Nur B, Idwal Bahril, Muthi Adilah Damayanti, Sindi Livia Dwi Anggraini, Adita Eenfryanti, Yunida Fachry Abda El Rahman Fatasya, Putri Aulia fatimah Fatimah Fryanti, Yunida Een Gloria, Chenny Maulyca Gunawan, Rolly Handayani, Metri Harniati, Resi Harpepen, Andi Hartini, Kustin Heriansyah Hilmi, M. Izdad Idwal, Idwal Ilmi, Muhammmad Izdad Indra, Yetti Afrida Irwan Abdullah Isnaini, Desi Joyo, Harisman Junaidi, Anwar Marandika, Muhammad Andrian Miko Polindi Monalisa, Helen Muttaqin, Faisal Muttaqin, Fasial Nopiantika, Tiara Novita, Dwi Novitasari, Riri Oktarina, Amimah Oktarina, Amimah Oktarina, Aminah Pramadeka, Katra Purnamasari, Helen Puspita sari, Jemi Puspita, Yeza Putra, Haris Maiza Putri, Anindya Cahya Putri, Anita Eustacia Putriani, Anike Qara, Indra Bagas Quatro, Celine Rahmat Hidayat Rini Elvira Safitri, Tia Angraini Saputra, Susilo Adi Sari, Ayu Puspita Indah Septyana, Mutiara Shar, Aan Subhan Subhan Triyana, Triyana Wahyudi, Jarot Wasisman, Zeti Agesti Yani, Yepi Yanti, Atika Norma Yanto, Muhammad Pebri Yuningsih, Ayu Yusril Yusril YUSTATI, HERLINA Zaldi, Farhan