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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Didaktik : Jurnal Ilmiah PGSD STKIP Subang Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS)
Asnaini
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Humanities Economics, Econometrics & Finance Education Social Sciences

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ANALISIS CUSTOMER SATISFACTION KUALITAS PELAYANAN DI BANK SYARIAH INDONESIA (BSI) KCP. BENGKULU ARGAMAKMUR Yunita Sri Lestari; Asnaini; Debby Arisandi
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 6 No. 1 (2023): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

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Abstract

The purpose of this study was to determine customer satisfaction at Indonesian Islamic banks KCP. Bengkulu Argamakmur and to find out the form of Indonesian Islamic bank KCP services. Bengkulu Arga Makmur. This research method is a field research (field research). Sources of data used in this study are primary data and secondary data. Collecting data using interviews, documentation, and observation. The data analysis technique used is data reduction, data display and conclusion drawing/verification. The results of this study indicate that the services available at Bank Syariah Indonesia KCP. Bengkulu Arga Makmur provides satisfaction for customers. This is shown through 5 (five) factors, namely: tangible (physical evidence) in the form of office locations and waiting room facilities are points of great concern. Reability (reliability) ease of service procedures such as banking transactions provided quickly and precisely. Responsiveness is provided through a responsive response to customer needs, helping customers who have difficulty filling out slips, directing customers to units that suit customer needs. Assurance consists of several components such as communication, credibility, security, competence and courtesy. Empathy (empathy) gives attention by trying to understand the wishes of customers.
Analisis Labelisasi Halal dalam Produk Makanan dan Minuman pada UMKM Kota Bengkulu Fadillah Alfatihah; Asnaini; Eeng Juli Efrianto
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.v11i1.30826

Abstract

This study aims to analyze the implementation of halal labeling on food and beverage products among MSMEs in Bengkulu City, identify internal and external factors influencing business owners' decisions to obtain certification, and examine its impact on consumer trust and product competitiveness. This research employed a descriptive qualitative approach and field research methods through observation, interviews, and documentation. Informants consisted of seven MSME owners who had undergone the halal certification process. The findings reveal that most business owners have a good understanding of halal certification procedures, although technical assistance is still needed. Internal factors such as capital readiness, commitment, and awareness, along with external factors including market trends and consumer demand, influence decision-making regarding halal certification. The implementation of halal labeling has shown a positive impact by increasing consumer confidence, strengthening product competitiveness, and enhancing market opportunities.
Peran Masyarakat dalam Pengelolaan Tanah Wakaf untuk Pendidikan Islam (Studi pada Desa Jumat Kecamatan Talang Empat) Cindy Ameilia Utami; Asnaini; Andi Harpepen
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.v11i1.31058

Abstract

This study aims to describe the role of the community of Jumat Village in managing waqf land for Islamic education through Madrasah Aliyah Muslim Cendikia, to analyze its contribution to adolescent behavior, and to identify the challenges faced in its management. This study employs a qualitative approach with a case study design focusing on social phenomena in Jumat Village, Talang Empat District, Bengkulu Tengah Regency, Bengkulu Province, Indonesia. Data were collected through interviews, observations, and documentation involving the chairperson of the foundation, teachers, alumni, village officials, and community members. Data analysis was conducted using the interactive model of Miles and Huberman. The findings indicate that the community has played an active role from the initial waqf process and construction stage to the ongoing management of the madrasah through mutual cooperation, financial support, voluntary services, and social supervision. This participation supports the sustainability of Islamic education and has a positive impact on the moral development and behavior of adolescents. The challenges identified relate to limited funding and resource support in optimizing waqf management.
Pengaruh Penyaluran Dana ZIS dan Tingkat Inflasi Terhadap Pertumbuhan Ekonomi di Provinsi Bengkulu Periode 2021-2024 Annisa; Asnaini; Nonie Afrianty
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.v11i2.31299

Abstract

This study aims to analyze the effect of ZIS fund distribution and the inflation rate on economic growth in Bengkulu Province for the 2021-2024 period. The research method used a quantitative approach with multiple linear regression techniques. The data used were secondary data collected from the National Zakat Agency (BAZNAS) of Bengkulu Province and inflation rate data from the Central Statistics Agency (BPS) of Bengkulu Province for the 2021-2024 period, covering monthly data for the entire province. The results show that ZIS fund distribution (X1) has a negative and significant effect on economic growth in Bengkulu Province, and the inflation rate (X2) has no significant effect on economic growth in Bengkulu Province. Meanwhile, ZIS fund distribution and the inflation rate together have a significant effect on economic growth in Bengkulu Province for the 2021-2024 period.
PENDEKATAN ABCD (ASSET BASED COMMUNITY DEVELOPMENT) DALAM PEMBERDAYAAN MASYARAKAT MELALUI PELATIHAN PEMBENIHAN LELE UNTUK MENINGKATKAN KEMANDIRIAN PENDAPATAN MASYARAKAT Yuni Purnama Sari; Muhammad Dharma Setiadi; Antis Martin Christianti; Asnaini; Robeet Thadi
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 03 (2026): Volume 12 No. 3, September 2026 Public
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i03.14284

Abstract

This community service initiative addresses the low technical skills in catfish breeding, external seed dependence, and weak business management among breeders in Padang Serai, Bengkulu. The program aims to empower partners as active subjects through catfish breeding training utilizing the Asset Based Community Development approach to enhance economic independence. The implementation method adopts five participatory ABCD stages, encompassing discovery, dream, design, define/destiny, plus monitoring and evaluation. Activities ran intensively for one and a half months, focusing on broodstock selection, controlled spawning, larva care, and water quality management using tarpaulin ponds. Service results demonstrate significant improvement in participant technical competency, establishment of independent business groups, and healthy seed production that reduces external supply reliance. Extreme weather challenges affecting water turbidity and unstructured financial recording habits remain crucial notes for future improvement. Overall, integrating local asset empowerment with participatory mentoring effectively transforms communities from passive objects into independent, sustainable catfish seed producers. These findings confirm that the ABCD approach remains highly relevant for micro and small enterprise scales. Future recommendations include water filtration, marketing digitalization, and financial literacy training. Continuous mentoring ensures appropriate technology adaptation and partner household income stability. Such interventions guarantee long-term sustainability and regional competitiveness for rural aquaculture sectors.
Co-Authors Andi Harpepen Annisa Antis Martin Christianti Cindy Ameilia Utami Debby Arisandi Eeng Juli Efrianto Fadillah Alfatihah Muhammad Dharma Setiadi Nonie Afrianty Robeet Thadi Yuni Purnama Sari Yunita Sri Lestari