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All Journal Jurnal Ekonomi & Studi Pembangunan Ekonomi-Qu (Jurnal Penelitian Ilmu Ekonomi) EKSPANSI EKO-REGIONAL JURNAL PENGEMBANGAN EKONOMI WILAYAH Ecosains Jurnal Pengabdian Masyarakat Bumi Raflesia PARETO : Jurnal Ekonomi dan Kebijakan Publik Convergence : The Journal of Economic Development Jurnal Riset Akuntansi dan Manajemen Malahayati (JRAMM) Equity: Jurnal Ekonomi Jurnal Abdimas Serawai JURNAL MANAJEMEN MODAL INSANI DAN BISNIS (JMMIB) Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi JIMAKUKERTA Jurnal Entrepreneur dan Manajemen Sains International Journal of Economics (IJEC) Jurnal Pendidikan dan Pengabdian Masyarakat Journal of Social and Humanities Jurnal Al-Maun Eko-Regional: Jurnal Pembangunan Ekonomi Wilayah Indonesian Development Economics and Localities Media for Empowerment, Mobilization, and Innovation in Research & Community
Aan Zulyanto, Aan
Universitas Muhammadiyah Bengkulu
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Public Health Social Sciences Other

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PENDAMPINGAN DESAIN INTERIOR RUANG FITNES POLDA BENGKULU Garnis, Yonis; Rindang Sakina; Aan Zulyanto; Rizqiyah Safitri Juwito; Pretty Maggiesty Rosantika
Almaun: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 2 (2025): DESEMBER (2025)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/almaun.v5i2.9239

Abstract

Kebutuhan masyarakat terhadap fasilitas olahraga semakin meningkat seiring dengan kesadaran menjaga kesehatan dan kebugaran. Salah satu sarana yang banyak diminati adalah fitness center yang membutuhkan perancangan interior dengan memperhatikan aspek fungsi, ergonomi, biophilic design, serta kenyamanan pengguna. Kegiatan pengabdian kepada masyarakat ini dilakukan melalui pendampingan perancangan desain interior ruang fitness di Polda Bengkulu. Metode kegiatan meliputi penyusunan konsep desain, perencanaan tata ruang, layout penempatan alat secara ergonomis, serta visualisasi dalam bentuk 2D dan 3D. Hasil pendampingan menghasilkan rancangan ruang fitness berukuran 24,2 x 15 m dengan plafon 3,80 m yang terbagi dalam tiga zonasi utama: zona depan, zona kardio, dan zona belakang. Pemilihan warna abu-abu tua dan kuning memberikan kesan modern dan enerjik, sedangkan penggunaan material vinyl serta penempatan cermin meningkatkan kenyamanan dan keamanan pengguna. Pencahayaan alami dan buatan dioptimalkan untuk menciptakan suasana ruang yang segar dan fungsional. Kesimpulan dari kegiatan ini menunjukkan bahwa desain interior yang ergonomis, estetis, dan fungsional mampu meningkatkan motivasi berolahraga, sekaligus mendukung kesehatan dan kebugaran anggota kepolisian dalam menunjang kinerja dan pelayanan publik.
Pemberdayaan Dan Pelatihan SDM UMKM Melalui Pelatihan Pengelolaan Keuangan Bagi Usaha Mikro Kecil Dan Menengah di Kabupaten Bengkulu Utara Zulyanto, Aan; Mukadar, Amir; Suhendra, Chairul; Pertiwi, Dinal Eka; Nazar, Nazar
JURNAL ABDIMAS SERAWAI Vol. 3 No. 3 (2023): Jurnal Abdimas Serawai (JAMS)
Publisher : Program Studi Administrasi Fakultas Ilmu Sosial dan Ilmu Politik Universitas Muhammadiyah Bengkulu 

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jams.v3i3.9341

Abstract

In 2020, the Ge-ARU (North Bengkulu I Love Products Movement) MSME Association was formed, one of the goals of which is to make North Bengkulu Regency an environmentally friendly, technology-based business city. With a current membership of 712 MSMEs engaged in the following fields: culinary, palm oil waste utilization, sales of agricultural products and processing, and others. One form of human resource development effort can be done through training because training can improve skills and knowledge. Currently, the need for training in the community and MSMEs is very important to increase the productivity and quality of good MSMEs. Several MSME groups have the potential to develop skills through training; one of the training activities that will be carried out is the financial management strategy for MSMEs. In this service, the activities carried out are as a solution to existing problems, namely providing education, socialization, and assistance on Financial Management Strategies for MSMEs. Some of the materials provided include financial conditions, asset status, debt, capital, business planning, and several other financial strategies, including the preparation of good financial reports for MSMEs.
Does zakat impact poverty alleviation in Indonesia during Covid-19? Zulyanto, Aan; Wiranatakusuma, Dimas Bagus; Abdullah, Naziruddin; Yusuf, Muhammad K; Aprizal, Anggi
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v26i1.26688

Abstract

Zakat functions as a crucial instrument for achieving developmental goals, including the improvement of individual welfare. This study aims to analyse the effect of zakat, as measured by the National Zakat Index (NZI), on poverty alleviation in Indonesia during the Covid-19 pandemic. This research utilizes panel data from 32 Indonesia provinces covering the period from 2020 to 2022, employing the Fixed Effect Model (FEM) analysis method. The current analysis has not found a statistically significant effect of the National Zakat Index on the decrease of poverty rates in Indonesia. A major element to the enduring poverty in Indonesia is the inadequate collection of national zakat money. The Covid-19 pandemic has led to a significant rise in the number of individuals living in poverty, thereby decreasing zakat payment collections. The NZI is an extensive index that encompasses both macro and micro aspects. The NZI is expected to function as an objective metric for assessing the efficacy of zakat administration in Indonesia. The establishment of efficient zakat management is anticipated to enhance poverty reduction efforts. The policy consequence derived from the findings is to enhance zakat management organizations. This study contributes to the relationship between zakat and poverty reduction from a macro-level perspective, unlike earlier research that focuses on micro-level data.
PERAN KOPERASI SYARIAH DALAM MENINGKATKAN KESEJAHTERAAN ANGGOTA(Studi Kasus Pada BMT KUBE Sejahtera 008) Maya Astrining Dewi; Marini; Aan Zulyanto; Amir Mukadar
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 3 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v8i3.8990

Abstract

This thesis examines the role of BMT KUBE Sejahtera 008 Sharia Cooperative in improving the welfare of its members in Sri Kuncoro Village, Central Bengkulu. The growing demand for accessible and affordable capital, particularly among Micro, Small, and Medium Enterprises (MSMEs), motivates this research to explore BMT's contribution within the context of a Sharia-based people's economy. This qualitative study employs a socio-legal approach, gathering primary data through interviews with BMT administrators and members, alongside secondary data from relevant literature and documents. The aim of this study is to elucidate the role of BMT KUBE Sejahtera 008 in enhancing member welfare and to identify the factors that support or hinder this process. The research findings highlight the significant role of BMT KUBE Sejahtera 008 in enhancing the economic welfare of its members. Easy access to financing and profit-sharing systems has proven effective in increasing income, particularly for micro, small, and medium enterprises. Despite challenges such as limited public awareness of BMT and funding constraints, BMT KUBE Sejahtera 008 has successfully built trust and member satisfaction. Overall, this study concludes that BMT KUBE Sejahtera 008 plays a vital role in improving the economic welfare of members in Sri Kuncoro Village, Central Bengkulu, and contributes positively to the village’s economy
PERAN OTORITAS SYARIAH DALAM HILIRISASI EKONOMI MELALUI PRODUK FINTECH SYARIAH Ayumara, Soraya; Zulyanto, Aan; Marini, Marini
Jurnal Entrepreneur dan Manajemen Sains (JEMS) Vol. 6 No. 1 (2025): Januari
Publisher : UM. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sharia fintech has become a strategic instrument in the downstream of the Indonesian economy, especially in distributing financing to Micro, Small, and Medium Enterprises (MSMEs) that have been experiencing limited access to formal capital. This article aims to analyze the role of sharia authorities, namely the National Sharia Council-Indonesian Ulema Council (DSN-MUI) and the Sharia Supervisory Council (DPS), in facilitating and supervising economic downstream through sharia fintech products using a qualitative approach with a literature study method on sharia economic literature, Financial Services Authority (OJK) regulations, DSN-MUI fatwas, and empirical research for the 2020-2025 period on fintech sharia and MSME financing. The results of the study show that DSN-MUI plays a role as a normative framework through Fatwa No. 117/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles which is the operational basis of sharia fintech, while DPS functions as a supervisor, advisor, and reviewer which ensures sharia compliance at the operational level of the platform (The Role of DPS, 2022; Implementation of DSN-MUI Fatwa, 2024). Sharia fintech has been proven to expand financial inclusion and increase access to MSME financing through mudharabah, musyarakah, and halal crowdfunding contracts that are effective in improving economic justice, with financing growth of 35% for the 2020-2023 period and more than 50% of beneficiaries coming from MSMEs (Financial Services Authority, 2023; Munawar, 2025). The economic downstream process is facilitated through a feasibility assessment based on digital data, quick access without physical collateral, and Islamic financial literacy assistance that increases the managerial capacity of business actors (The Role of Sharia Fintech MSMEs, 2024; MSME Financial Transformation, 2025). However, implementation faces challenges in the form of limited DPS capacity that understands technology, digital literacy gap for MSME actors, and the need for regulatory harmonization between the OJK, DSN-MUI, and the Ministry of Cooperatives (The Role of DPS Compliance, 2025). This article concludes that strengthening sharia authorities requires three integrative strategies: improving the competence of DPS through financial technology training and sharia maqashid, the development of RegTech and SupTech for automated compliance audits, and strengthening collaboration between DSN-MUI, OJK, and industry players to ensure fintech Sharia plays an optimal role in the downstream of an inclusive, just, and sustainable economy according to the principle of maslahah. Keywords: sharia authority, DSN-MUI, DPS, Sharia Fintech , Economic Downstreaming, MSMEs, financial inclusion
Ethical Dilemmas in Sharia-Compliant Buy-Now-Pay-Later (BNPL) Services: A Qualitative Phenomenological Approach Aan Zulyanto; Marini, Marini
Journal of Social and Humanities Vol. 1 No. 2 (2023): July-December
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/jsh.v1i2.648

Abstract

This study examines the ethical dilemmas experienced by Muslim consumers in using Buy-Now-Pay-Later (BNPL) services in Indonesia. Using a qualitative phenomenological approach with Interpretative Phenomenological Analysis (IPA), this study explores how Muslim consumers perceive, interpret, and negotiate BNPL usage in relation to Islamic financial principles. Data were collected through semi-structured interviews with fifteen Muslim BNPL users in Bengkulu, Indonesia. The findings reveal four main themes: ethical-religious awareness, rationalization of BNPL usage, the role of financial and Islamic financial literacy, and regulatory-institutional uncertainty. Participants generally recognized potential Sharia concerns, particularly regarding riba, late-payment penalties, and unclear contractual terms. However, many continued to use BNPL because of financial convenience, economic necessity, limited alternatives, and insufficient Islamic financial literacy. The study highlights that BNPL usage among Muslim consumers is not merely a financial practice but also a moral experience shaped by religious values, consumer vulnerability, and institutional guidance. These findings underline the need for transparent, responsible, and genuinely Sharia-compliant BNPL models supported by stronger consumer education and regulatory supervision.
Navigating the Halal Traceability in Global Supply Chains: Deep Insights from Small-Scale Food Producers Aan Zulyanto; Dharma Setiawan
Indonesian Development Economics and Localities Vol. 1 No. 1 (2025): January-June
Publisher : Future Techno-Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/swgkc840

Abstract

The global halal food industry has experienced rapid expansion, driven by growing Muslim populations and increasing consumer demand for certified halal products. Despite this growth, small-scale food producers continue to face significant challenges in implementing effective halal traceability systems within complex global supply chains. This study investigates the traceability challenges encountered by small-scale food producers in Indonesia, with broader implications for the global halal food sector. Employing a qualitative research design, data were collected through in-depth semi-structured interviews with fifteen small-scale halal food producers in Bengkulu Province, Indonesia. Thematic analysis was applied to identify key patterns and themes from the data. The findings reveal four major themes: (1) systemic traceability challenges related to documentation and supply chain visibility; (2) difficulties in accessing and maintaining halal certification; (3) limited adoption of digital technologies for traceability management; and (4) trust and integrity issues across the supply chain. This study concludes that targeted policy interventions, technology capacity-building programs, and streamlined certification processes are essential to support small-scale producers in achieving robust halal traceability. The findings contribute to the growing body of halal supply chain literature and offer practical implications for industry stakeholders and policymakers.
Digital Transformation of Mosque-Based Ziswaf Management for Community Economic Independence Aan Zulyanto; Mardianto, Mardianto
Media for Empowerment, Mobilization, and Innovation in Research & Community Vol. 1 No. 2 (2025): July-December
Publisher : Future Tecno-Science Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/2d8mhm32

Abstract

Mosques hold transformative potential as centers of community economic development in Muslim-majority societies, yet the management of Ziswaf — comprising Zakat, Infaq, Sadaqah, and Waqf — in many mosque institutions remains constrained by manual recording systems, limited transparency, and weak accountability mechanisms. This community service program, conducted in 2025 across two cross-national locations — Songkhla, Southern Thailand, and Kedah, Malaysia — aimed to facilitate the digital transformation of Ziswaf management practices in selected mosque institutions through structured training, system introduction, and ongoing mentoring. A total of 62 mosque administrators, committee members, and community leaders participated across both sites. The program introduced participants to accessible digital tools including spreadsheet-based financial recording systems, WhatsApp-based donor communication channels, and basic social media reporting practices. Post-program assessments demonstrated measurable improvements in administrative efficiency, collection transparency, and community trust in mosque financial management. Several participating mosques successfully transitioned from purely manual to hybrid digital recording systems by the program's conclusion. This article reports on the program methodology, outcomes, implementation challenges, and implications for the sustainability of mosque-based economic empowerment programs in transnational Muslim communities.
ANALISIS KINERJA APARATUR DESA DALAM PENGELOLAAN ALOKASI DANA DESA (ADD) PERSPEKTIF EKONOMI ISLAM Remi Kartina; Amir Mukadar; Aan Zulyanto; Marini Marini
JURNAL MANAJEMEN MODAL INSANI DAN BISNIS (JMMIB) Vol. 6 No. 1 (2025): Juli
Publisher : Yayasan Insani Mandiri Santani

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze the performance of village officials in managing Village Fund Allocations (ADD) from an Islamic economic perspective. The performance of village officials is an important factor in achieving ADD management goals, namely improving community welfare and sustainable village development. This research uses a qualitative approach with descriptive methods, where data is obtained through interviews, observation and documentation. The research results show that the management of ADD by village officials has generally been carried out in accordance with the principles of accountability and transparency. However, there are several weaknesses, such as a lack of community participation and low understanding of village officials about the principles of Islamic economics, such as justice, efficiency and collective benefit. From an Islamic economic perspective, ADD management must be carried out by prioritizing the values ​​of trust, justice and responsibility to realize community welfare. This research concludes that optimizing the performance of village officials in managing ADD requires increasing human resource capacity, active involvement of the community, and comprehensive application of Islamic economic principles. Recommendations are given to the village government and related parties to strengthen supervision and training regarding ADD management according to Islamic values. Keywords: Village Apparatus Performance, Fund Allocation, Islamic Economics, Financial Management.
Co-Authors Ahmad Junaidi Amir Mukaddar Andira, Andira Aprizal, Anggi Ayumara, Soraya Azansyah Azansyah Badriah, Lilis Siti Barika Barika Barika, Barika Chaerul Suhendra Chairul Suhendra Dharma Setiawan Dharma Setiawan Dimas Gilang Wahyudi Dwi Prasetya, Onky Eka Pertiwi, Dinal Elyusra, Elyusra Garnis, Yonis Haris, M Helmi Herawati, Helmi Karnadi Karnadi Lilis Siti Badriah Mardianto Mardianto Marini Marini Marini . Maya Astrining Dewi Mujiyati Mukadar, Amir Nazar Nazar, Nazar Naziruddin Abdullah Parera, Dhiska Pertiwi, Dinal Eka Pretty Maggiesty Rosantika Rano Romasyah Remi Kartina Retno Agustina Ekaputri Rindang Sakina Rizqiyah Safitri Juwito Romi Gunawan, Romi Wiranatakusuma, Dimas Bagus Yuniarti Zs, Nensi Yusuf, Muhammad K