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All Journal QIJIS (Qudus International Journal Of Islamic Studies) An-Nisbah: Jurnal Ekonomi Syariah Al-Ihkam: Jurnal Hukum dan Pranata Sosial DERIVATIF AL QUDS : Jurnal Studi Alquran dan Hadis SYIRKAH NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Ilmiah Bina Bahasa Jurnal Ilmiah Edunomika (JIE) Journal of Enterprise and Development (JED) Jurnal Asy-Syukriyyah Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Arastirma Bima Journal : Business, Management and Accounting Journal Journal of Indonesian Management J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Jurnal Fokus Manajemen Mutlaqah: Jurnal Kajian Ekonomi Syariah Journal of Coaching and Sports Science Jurnal Hukum Ekonomi Syariah : AICONOMIA Borneo Islamic Finance and Economics Journal (BIFEJ) Imara: Jurnal Riset Ekonomi Islam Sharia Economic and Management Business Journal (SEMBJ) 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 Agriculture, Biological Sciences & Forestry 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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Application of the Mudharabah Agreement in the Profit Sharing System for Raising Cattle (Study in Penago II Village, Ilir Talo District, Seluma Regency) Nur Wahidah, Titi; Asnaini, Asnaini; Makmur, Makmur
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1207

Abstract

The purpose of this research is to find out how the application of the contract that has been running in Penago II Village, Ilir Talo Subdistrict, Seluma Regency and to find out the application of the mudharabah contract on the profit sharing of raising cattle in Penago II Village, Ilir Talo Subdistrict, Seluma Regency. This research uses a qualitative descriptive approach. Informants in the study were 8 people. Data collection techniques using observation, interviews, and documentation. Data analysis techniques use data reduction, data presentation and conclusion drawing. From the results of the research and discussion, it is concluded that the application of the contract that occurred in Penago II Village uses agreements and profit sharing, capital, profit sharing, risks and continuation of the contract if one of the parties dies, influencing factors, various types of cows that are in the field, and the time period. the agreement is only done verbally only trust each other in making this agreement, the profit sharing system in the mudharabah contract carried out between the owner and the manager in Penago II Village. With the division of the ratio divided 60:40. This occurs by agreement between the two parties. If in the process of this contract there is a loss, it will be borne by both parties, as long as the mistake is not due to the negligence of the manager. The profit sharing carried out by the people of Penago II Village is in accordance with the concept of mudharabah in Islamic Economics, namely, capital, management, collateral, time period and profit ratio to the manager. So that the profit sharing carried out by the people of Penago II Village is going well.
Syariah Bank Services and Career Opportunities for Non-Muslims in the Perspective of the Quran and the Frame of Religious Moderation Arifin, Rahman; Adisel, Adisel; Asnaini, Asnaini; Isnaini, Desi; Junaidi, Anwar
AL QUDS : Jurnal Studi Alquran dan Hadis Vol. 8 No. 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alquds.v8i2.9482

Abstract

This qualitative research aims to examine the implementation of Bank Mega Syariah KC Jambi services in facilitating non-Muslims in transacting at Bank Mega Syariah KC Jambi and studying the ease of non-Muslims in a career at the bank. The research will also look at the obstacles faced by non-Muslims when making transactions and careers at Bank Mega Syariah KC Jambi and how Islamic law regulates employment agreements for non-Muslims in the Islamic banking sector.The research method used is a qualitative approach with data collection techniques through in-depth interviews with related parties such as non-Muslim customers, employees, and management of Bank Mega Syariah KC Jambi. In addition, documents related to Islamic law and Islamic banking regulations will also be analysed in this research.The results of this research are expected to provide a better understanding of the implementation of  Bank Mega Syariah KC Jambi services in facilitating non-Muslims to transact at the bank. In addition, this research is also expected to provide information about the ease of non-Muslims in a career at Bank Mega Syariah KC Jambi and the obstacles faced when transacting and working at the bank.The results of this study are expected to provide recommendations to Bank Mega Syariah KC Jambi in improving services to non-Muslim customers and creating an inclusive work environment for all employees, including non-Muslims. In addition, this research can also provide a better understanding of how Islamic law regulates employment agreements for non-Muslims in the Islamic banking sector and whether there are certain restrictions or prohibitions related to non-Muslim customer financing service contracts in Islamic banking.
Peningkatan Literasi Perbankan Syariah Pada Masyarakat Desa Pasar Ketahun Kecamatan Ketahun Kabupaten Bengkulu Utara Investama, Tirta; Asnaini, Asnaini; Shar, Aan
KENDURI : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 4 No. 1 (2024): April
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/kenduri.v4i1.1244

Abstract

Public literacy related to Islamic banking is still very low compared to conventional banks. The purpose of this study is to provide knowledge about Islamic banks, change the perception of the people of Pasar Ketahun Village who think that Islamic banks are the same as conventional banks and provide motivation to use Islamic banks in everyday life. Community service was carried out in Pasar Ketahun Village, Ketahun District, North Bengkulu Regency. In this community service activity, researchers used direct practical research methods, with survey, interview, and documentation methods. From the results of the research in the form of socialization to the people of Pasar Ketahun Village, it provided knowledge and increased understanding and insight into the community regarding Islamic banks and there was an interest in using Islamic banks in everyday life.
MODEL FOR EMPOWERMENT OF COASTAL FISHERIES PRODUCTS IN JAKAT BEACH, BENGKULU Asnaini, Asnaini; Yustati, Herlina; Harpepen, Andi
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 2 (2022): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i2.6230

Abstract

Abstrak: Penelitian ini bertujuan untuk membuktikan bahwa pemberdayaan pada masyarakat pesisir (Nelayan) dengan ide dan inisiatif masyarakat sendiri lebih efektif dibandingkan dengan pemberdayaan yang bersifat top-down yang dilakukan oleh Pemerintah. Mengambil lokasi penelitian di Pantai Jakat Kota Bengkulu peneliti membentuk kelompok pemberdayaan istri nelayan yang beranggotakan 10 orang dengan kegiatan pengolahan ikan bleberan sebagai bahan baku makanan pempek, sempol, dan tekwan. Menggunakan metode Participatory Rural Appraisal (PRA) dimana masyarakat sasaran terlibat langsung sebagai subyek dalam seluruh kegiatan penelitian. Kegiatan menekankan pada partisipasi anggota kelompok dan Peneliti sebagai fasilitator/ pendamping. Pendampingan dilaksanakan selama 4 (empat) bulan, dengan kegiatan (1) mengidentifikasi masalah dan memutuskan bentuk usaha yang akan dilakukan; (2) melaksanakan kegiatan; (3) mengevaluasi; dan (4) melakukan kembali. Program pemberdayaan belum selesai karena masih banyak mimpi-mimpi kelompok istri nelayan ini yang harus diwujudkan. Proyek pemberdayaan memang tidak akan pernah selesai, karena membangun sebuah masyarakat harus dilakukan terus menerus, dan akan berakhir jika dunia berakhir. Hasil penelitian menunjukkan bahwa partisipasi dan motivasi para istri nelayan seiring waktu semakin tinggi, sedangkan para nelayan (bapak-bapak) menyerahkan kepada para istri saja. Sudah ada muncul inovasi dan tambahan kegiatan di bidang sosial/keagamaan, marketing, dan penguatan kelompok. Pembicaraan target dan mimpi ke depan. Kata kunci: Model Pemberdayaan, Hasil Perikanan, Masyarakat Pesisir Abstract: This study aims to prove that empowerment of coastal communities (fishers) with their ideas and initiatives is more effective than top-down empowerment carried out by the local government. The location of this study is in Jakat Beach, Bengkulu City, the researchers formed a fisherman's wife empowerment group consisting of 10 people with bleberan fish processing activities as raw materials for Pempek, Sempol, and Tekwan food. Using the Participatory Rural Appraisal (PRA) method where the target community is directly involved as a subject in all research activities. The activity emphasizes the participation of group members and researchers as facilitators/companions. Mentoring is carried out for 4 (four) months, with activities (1) identifying problems and deciding the form of business to be carried out; (2) carrying out activities; (3) evaluating; and (4) re-doing. The empowerment program has not yet been completed because there have still been many dreams of this group of fishermen's wives that must be realized. Empowerment projects will never be finished, because building a community must be done continuously, and will end when the world ends. The results show that the participation and motivation of the fishermen's wives increase over time, while the fishermen (fathers) leave it to their wives only. There have been innovations and additional activities in the social/religious fields, marketing, and group strengthening, talk of targets and dreams ahead. Keywords: Model Empowerment, Participatory Rural Appraisal, coastal communities
APPLICATION OF ISLAMIC BUSINESS ETHICS IN PRODUCTION FOR MSMEs AT UINFAS BENGKULU CANTEEN Puspita, Yeza; Yusril, Yusril; Asnaini, Asnaini
Jurnal Asy-Syukriyyah Vol. 25 No. 2 (2024): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v25i2.631

Abstract

This research analyzes the application of Islamic business ethics in production at Micro, Small and Medium Enterprises (MSMEs) in the canteen of Fatmawati Sukarno State Islamic University (UINFAS) Bengkulu. The aim of this research is to explore how the principles of Islamic business ethics are applied in production practices as well as the challenges faced by MSMEs in the campus environment. The method used is qualitative research with a descriptive approach, involving interviews and direct observation. The research results show that the UINFAS canteen has implemented the five principles of Islamic business ethics: the Principles of Tauhid, Honesty, Justice, Free Will, and Responsibility. Although the application of this ethic has a positive impact on the reputation and competitiveness of MSMEs, there are challenges such as employee awareness and limited resources. It is hoped that this research will provide insight for business actors about the importance of ethics in business and its contribution to the welfare of society.
APPLICATION OF ISLAMIC BUSINESS ETHICS IN PRODUCTION FOR MSMEs AT UINFAS BENGKULU CANTEEN Puspita, Yeza; Yusril, Yusril; Asnaini, Asnaini
Jurnal Asy-Syukriyyah Vol. 25 No. 2 (2024): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v25i2.631

Abstract

This research analyzes the application of Islamic business ethics in production at Micro, Small and Medium Enterprises (MSMEs) in the canteen of Fatmawati Sukarno State Islamic University (UINFAS) Bengkulu. The aim of this research is to explore how the principles of Islamic business ethics are applied in production practices as well as the challenges faced by MSMEs in the campus environment. The method used is qualitative research with a descriptive approach, involving interviews and direct observation. The research results show that the UINFAS canteen has implemented the five principles of Islamic business ethics: the Principles of Tauhid, Honesty, Justice, Free Will, and Responsibility. Although the application of this ethic has a positive impact on the reputation and competitiveness of MSMEs, there are challenges such as employee awareness and limited resources. It is hoped that this research will provide insight for business actors about the importance of ethics in business and its contribution to the welfare of society.
The Role of Islamic Commercial Banks in the Recovery of the National Economy Affected by the Pandemic in Indonesia Safitri, Tia Angraini; Asnaini, Asnaini; Idwal, Idwal
Journal of Indonesian Management Vol. 1 No. 3 (2021): SEPTEMBER
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v1i3.196

Abstract

This research was conducted to test and analyze the role of Islamic Commercial Banks in encouraging the rate of economic growth affected by the pandemic in Indonesia for 2 (two) years from 2019 to 2020. The purpose of this study is to see how much influence commercial banks have. sharia. on the National Economic Recovery affected by the pandemic in Indonesia. Growth from 2019 to 2020. The number of data sets is 8 (eight) quarters of the data on the development of Gross Domestic Product (GDP), third party funds of Islamic commercial banks, financing provided by Islamic commercial banks, and Liquidity funds of Islamic commercial banks. Islamic commercial bank. This study uses a quantitative approach. The analytical model used in this study is a time series data regression analysis model. The output results show that the independent variable X1 is -0.546161, X2 is 0.668608 meaning it has a value above 0.05, then X1 and X2 partially have no effect on Y or H1 is rejected. While X3 of 0.043179 means that it has a value below 0.05 then partially affects Y or H1 is accepted.
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
Co-Authors Abdul Kohar Adisel, Adisel Afrianty, Nonie Ahmad Muzakky Apriani, Yustika Arifin, Rahman Arisandy, Yosy Aulia, Atika 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 Investama, Tirta Irwan Abdullah Irwan Irwan Isnaini, Desi Joyo, Harisman Junaidi, Anwar Kustin Kustin, Kustin Lesmana, Gusman lestari, lupi ayu Makmur Makmur Marandika, Muhammad Andrian Miko Polindi Miko Polindi, Miko Monalisa, Helen Muttaqin, Faisal Muttaqin, Fasial Nopiantika, Tiara Novita, Dwi Novitasari, Riri Nur Wahidah, Titi 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 Rini Fitria, Rini Safitri, Tia Angraini Saputra, Susilo Adi Sari, Ayu Puspita Indah Septyana, Mutiara Shar, Aan Subhan Subhan Triyana, Triyana Uswatun Hasanah Wahyudi, Jarot Wasisman, Zeti Agesti Yani, Yepi Yanti, Atika Norma Yanto, Muhammad Pebri Yuningsih, Ayu Yusril Yusril YUSTATI, HERLINA Zaldi, Farhan Zulkarnain Zulkarnain