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All Journal Sharia Economic and Management Business Journal (SEMBJ) Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat
Idwal B
UIN Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Sosialisasi Qris di Sektor Usaha Mikro: Pelatihan dan Dukungan Teknis untuk Pengusaha Lokal (Studi Kasus UMKM di Desa Sumber Arum Kecamatan Sukaraja Kabupaten Seluma) Fitri Madyani; Idwal B; Yunida Een Fryanti
KENDURI : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 5 No. 2 (2025): August
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/kenduri.v5i1.1724

Abstract

Advances in digital technology, especially in payment systems, have provided convenience for Micro, Small, and Medium Enterprises (MSMEs). One innovation that plays a major role in this convenience is QRIS (Quick Response Code Indonesian Standard), which enables non-cash transactions practically and efficiently. However, in Sumber Arum Village, Sukaraja District, Seluma Regency, although some MSMEs already know about QRIS, the understanding and application of this technology in daily business activities is still relatively low. As a form of community service activity, the implementing team held socialization and training on the use of QRIS for local MSMEs. This activity lasted for one day and was attended by 13 out of 15 invited participants, with a participation rate of 86.67%. In this training, participants were given material presentations and direct practice on how to create a QRIS account and its use in transactions. Based on the evaluation results, all participants (100%) showed an increase in understanding regarding QRIS. Of the number of participants, 5 people succeeded in creating a QRIS account, and 3 of them had started using QRIS in their business transactions. This finding proves that even though the training was conducted in a short time, the right educational approach was able to increase digital literacy and encourage the implementation of technology among MSMEs in rural areas.
Harmonisasi Kehidupan Sosial dan Ekonomi dalam Plurarisme Agama Idwal B; Edi Sumanto
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 1 (2022): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v3i1.899

Abstract

Religious harmony is an important part of every society in Indonesia and if you ignore this issue, it will have fatal consequences for human survival. Humans must uphold the values of religious diversity in Indonesia, because by living in harmony it has maintained the good name of the nation and state. As a Muslim community, it must maintain an attitude towards adherents of other religions, and vice versa, non-Muslim adherents must maintain an attitude with Muslim adherents. So that inter-religious harmony will be created, by taking care of each other and helping each other for the continuity of worship, it is also necessary to know that the Indonesian state consists of various tribes, languages, customs, and religions, so that the Indonesian nation is a pluralistic society. In the community of Air Petai Village with these various religions living side by side, of course there are problems that occur, both small and large. This feeling of suspicion is caused by an unnatural, prejudiced view of other groups that has been ingrained. Suspicion is also caused by a feeling of determinism that only the views of one's own group are correct and other groups are basically bad, so there is no place for an attitude that animates tolerance.
Analysis of Financial Services Authority (OJK) Regulation No. 12 of 2023 on Sharia Business Units in Mitigating the Impact of Inflation on Sharia Banking in Bengkulu Province Icha Puspita; Idwal B; Yetti Afrida Indra
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 3 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i3.2522

Abstract

Background: Inflation in Bengkulu Province has weakened public purchasing power and the real sector, while simultaneously elevating Non-Performing Financing (NPF) risks and destabilizing Third-Party Funds (DPK) in Islamic banking. In response, the Financial Services Authority (OJK) issued POJK No. 12/2023 on Sharia Business Units (UUS). This regulation aims to fortify institutional frameworks, capital, governance, and Sharia compliance, enabling UUS to better withstand inflationary shocks. This study examines the regulation's core provisions, its implementation in Bengkulu, and its impact on regional banking stability. Method: This descriptive qualitative study employs a library research approach, analyzing secondary data from official OJK, Bank Indonesia, and BPS reports on regional economics, inflation, and banking performance. Data were collected via documentary study and analyzed using content and qualitative descriptive analysis, involving data reduction, narrative presentation, and conclusion drawing. Results: The findings reveal that POJK 12/2023 reinforces UUS resilience through mandatory minimum core capital, spin-off requirements into full Sharia Commercial Banks, strengthened Sharia Supervisory Boards, and stricter governance audits. In Bengkulu, these measures are supported by OJK Regional Office VI supervision, outreach via TPID and TPAKD forums, and local adjustments in capital and risk management. Conclusion: Overall, POJK 12/2023 is positively contributing to Islamic banking stability in Bengkulu. However, its full potential is constrained by persistently low Islamic financial literacy and limited banking accessibility in rural areas, which continue to hinder broader economic impact.
Co-Authors Edi Sumanto Fitri Madyani Icha Puspita Yetti Afrida Indra Yunida Een Fryanti