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Efektifitas Penghimpunan Dana Zakat (Studi Badan Amil Zakat Nasional Kota Bengkulu Tahun 2022) Tri Wiwin; Supardi Supardi; Katra Pramadeka
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.12209

The aim of this research is to determine the effectiveness of collecting zakat funds at BAZNAS Bengkulu City and to find out how effective BAZNAS Bengkulu City's zakat fund collection is. This type of research is a mixed method which is a combination of qualitative and quantitative approaches by calculating a number of ratios related to the collection of zakat funds in 2022 and using descriptive aims to describe the conditions of effectiveness of the collection of BAZNAS zakat funds in Bengkulu City. From the results of this research it can be concluded that: The effectiveness of BAZNAS City Bengkulu zakat fund collection is effective as seen from the effectiveness indicators of Duncan's theory, while from the calculation results of the formula 20 ratio measurement, zakat fund collection is quite effective with a result of 5.18% with an interpretation of 2% < R < 5% so there needs to be an evaluation of the collection of zakat funds so that it is effective and has a wide impact, especially for the people of Bengkulu City.

Implementasi Strategi Bersaing BPRS Fadhilah dalam Meningkatkan Jumlah Nasabah Produk Tabungan Wadi’ah Menggunakan Porter Five Forces dan SWOT Analisis Tiwi Suvia; Yosy Arisandi; Katra Pramadeka
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.v11i2.31151

The purpose of this study is to examine the implementation of competitive strategies of BPRS Fadhilah Bengkulu in increasing the number of customers of the wadi’ah savings product and to analyze the competitive environment using the Porter Five Forces approach and SWOT analysis. This research employs a descriptive qualitative approach with a field research method. The results show that the competitive strategy implemented by BPRS Fadhilah Bengkulu is carried out through improving service quality, implementing pick-up service, and offering savings products with affordable initial deposits and no monthly administrative fees. Based on the Porter Five Forces analysis, competition among Islamic financial institutions offering similar savings products is relatively intense. The threat of new entrants mainly comes from technology-based financial institutions; however, BPRS Fadhilah responds by prioritizing excellent service and direct interaction with customers. The bargaining power of customers in obtaining high-quality services encourages the bank to improve service quality and accessibility. The threat of substitute products comes from digital financial services, while the role of third parties (shareholders) supports the operational stability of the bank through financial support. Meanwhile, the SWOT analysis indicates that strengths lie in service convenience and the application of Islamic principles, weaknesses are related to limited facilities and public understanding, opportunities arise from payroll cooperation and promotion through social media, while threats come from increasing competition among financial institutions and the development of banking technology.

Analisis Persepsi Konten Kreator Tentang Fitur Monetisasi Facebook Pro dan Kesesuaian dengan Prinsip Ekonomi Syariah Erex Yofanra; Supardi Mursalin; Katra Pramadeka
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11766

The purpose of this study is to determine the Perception of Facebook Pro Content Creators towards the Monetization Features provided by Facebook Pro. To determine the suitability of Facebook Pro Content Creators' perceptions and sharia economic principles in the context of monetization on the Facebook Pro platform. Qualitative approach type. The results of the Content Creator Perception study of the Facebook Pro monetization feature are generally positive. This feature provides additional income opportunities that are beneficial, especially for housewives and Facebook Pro users who have monetized by uploading consistent, interesting content that is widely liked by other users. The existence of Monetization Features such as in-stream ads, Reels Ads, Donations, and Bonuses can help improve the welfare of both financial and non-financial creators. Compliance with Sharia Economic Principles, such as fairness, transparency, and benefits, are generally met in the Facebook Pro monetization feature. However, some aspects such as uncertainty in revenue sharing or conditions that are not fully understood by creators need to be improved to be more transparent and in accordance with sharia values.

Pengaruh literasi keuangan syariah, kemudahan dan kemanfaatan terhadao minat penggunaan E-Wallet DANA pada masyarakat di kota bengkulu Suryadi Sikumbang; Nonie Afrianty; katra pramadeka
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30623

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan syariah, kemudahan, dan kemanfaatan terhadap minat penggunaan e-wallet DANA pada masyarakat di Kota Bengkulu. Penelitian ini menggunakan metode kuantitatif dengan tujuan menguji hubungan dan pengaruh antar variabel penelitian. Teknik pengumpulan data dilakukan melalui penyebaran kuesioner secara online kepada responden yang merupakan pengguna e-wallet DANA di Kota Bengkulu. Sampel penelitian ditentukan dengan teknik purposive sampling dengan responden 100 orang di 9 kecamatan kota bengkulu. Data dianalisis dibantu oleh SPSS 25. Hasil penelitian menunjukkan bahwa literasi keuangan syariah dan kemanfaatan berpengaruh terhadap minat penggunaan e-wallet DANA, sedangkan kemudahan tidak berpengaruh terhadap minat penggunaan E-Wallet DANA. Secara simultan, literasi keuangan syariah, kemudahan, dan kemanfaatan berpengaruh terhadap minat penggunaan e-wallet DANA pada masyarakat di Kota Bengkulu.

Implementasi Green Banking dalam Mendukung Transisi Ekonomi Hijau di Indonesia Studi Bank Syariah Indonesia Kantor Cabang Adam Malik Kota Bengkulu Meidhe Ade Maharani; Idwal B; Katra Pramadeka
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.v11i1.31003

This study aims to analyze the implementation of green banking in supporting Indonesia’s transition toward a green economy through a case study at Bank Syariah Indonesia (BSI) Bengkulu Adam Malik Branch. The research is motivated by climate change urgency and Indonesia’s Nationally Determined Contribution (NDC) commitment to reduce greenhouse gas emissions by 29% by 2030. Using a qualitative case study approach, data were collected through interviews and documentation. The analysis employs Edward III’s policy implementation theory and maqāṣid al-sharī‘ah framework. Findings indicate that green banking has not yet been formulated as a specific product but has been integrated through digital banking services, the BYOND by BSI application, e-Emas features, and paperless systems. The implementation aligns with Islamic objectives of protecting wealth and life while supporting sustainable finance.

Upaya Mitigasi Risiko Pasar Pembiayaan Cicil Emas Bank Syariah Indonesia Kantor Cabang Adam Malik Kota Bengkulu Ani Khusnul Hatimah; Supardi Mursalin; Katra Pramadeka
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.v11i2.31383

This study aims to identify the forms of market risk and analyze market risk mitigation efforts in gold installment financing at Bank Syariah Indonesia's Adam Malik Branch Office in Bengkulu City. This study employed a qualitative method with a descriptive approach. Data sources consisted of primary and secondary data. Primary data were obtained through in-depth interviews and observations of pawning officers and customers using gold installment products, while secondary data were obtained from official bank documents, standard operating procedures (SOPs), and relevant literature. Data collection techniques included interviews, observation, and documentation. Data analysis utilized the stages of data reduction, data presentation, and conclusion drawing, referring to the ISO 31000:2018 risk management framework. The results indicate that the primary market risk stems from gold price fluctuations, which impact the value of collateral and potentially lead to losses for the bank. Risk mitigation efforts include customer eligibility analysis, setting appropriate margins, regular gold price monitoring, and ongoing financing oversight. The implementation of ISO 31000:2018-based risk management helps the bank manage risk systematically and structuredly, resulting in safer and more stable financing. This research is expected to contribute to the development of Islamic banking risk management, especially in gold installment financing products.

Analisis Persepsi Konten Kreator Tentang Fitur Monetisasi Facebook Pro dan Kesesuaian dengan Prinsip Ekonomi Syariah Erex Yofanra; Supardi Mursalin; Katra Pramadeka
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11766

The purpose of this study is to determine the Perception of Facebook Pro Content Creators towards the Monetization Features provided by Facebook Pro. To determine the suitability of Facebook Pro Content Creators' perceptions and sharia economic principles in the context of monetization on the Facebook Pro platform. Qualitative approach type. The results of the Content Creator Perception study of the Facebook Pro monetization feature are generally positive. This feature provides additional income opportunities that are beneficial, especially for housewives and Facebook Pro users who have monetized by uploading consistent, interesting content that is widely liked by other users. The existence of Monetization Features such as in-stream ads, Reels Ads, Donations, and Bonuses can help improve the welfare of both financial and non-financial creators. Compliance with Sharia Economic Principles, such as fairness, transparency, and benefits, are generally met in the Facebook Pro monetization feature. However, some aspects such as uncertainty in revenue sharing or conditions that are not fully understood by creators need to be improved to be more transparent and in accordance with sharia values.

PENGEMBANGAN EKOWISATA HALAL DI TAMAN HUTAN MANGROVE PULAU BAAI KOTA BENGKULU DALAM TINJAUAN EKONOMI MIKRO ISLAM Muhammad Ma’shum; Desi Isnaini; Katra Pramadeka
KENDALI: Economics and Social Humanities Vol. 4 No. 1 (2025): KENDALI: Economics and Social Sciences Humanities, Juli 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i1.733

Penelitian ini bertujuan untuk menganalisis pengembangan ekowisata halal di Taman Hutan Mangrove Pulau Baai Kota Bengkulu serta meninjau penerapannya berdasarkan prinsip ekonomi mikro Islam, yaitu keadilan, keberkahan, dan keberlanjutan. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Informan dalam penelitian ini terdiri dari pengelola wisata, pelaku UMKM, dan wisatawan. Hasil penelitian menunjukkan bahwa pengembangan ekowisata halal di kawasan tersebut telah dilakukan melalui penyediaan fasilitas ibadah, makanan halal, serta suasana yang ramah bagi pengunjung Muslim. Masyarakat lokal dilibatkan aktif dalam kegiatan ekonomi, namun dari sisi fasilitas umum dan promosi masih memerlukan perbaikan. Dalam tinjauan ekonomi mikro Islam, prinsip keadilan hampir tercapai sempurna melalui pembagian ruang usaha yang adil, keberkahan mulai dirasakan dari suasana yang nyaman dan interaksi yang jujur, dan prinsip keberlanjutan mulai diterapkan melalui pelestarian lingkungan. Namun, ketiganya belum sepenuhnya terlaksana secara sempurna dan masih perlu diperkuat secara kelembagaan dan strategis.

Pengaruh Fluktuasi Harga Emas dan Kurs Terhadap Return on Assets (ROA) Bank Syariah Indonesia Tahun 2018-2025 Dela Puspita Sari; Eka Sri Wahyuni; Katra Pramadeka
Science and Education Journal (SICEDU) Vol 5 No 2 (2026): Science and Education Journal 2026
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sicedu.v5i2.1222

This study aims to analyze the effect of gold price fluctuations and exchange rates on the Return on Assets (ROA) of Bank Syariah Indonesia during the 2018–2025 period. Profitability, as measured by ROA, is an important indicator for assessing a bank’s ability to manage its assets efficiently to generate profits. Gold price fluctuations and exchange rate movements are considered external factors that may affect the profitability of Bank Syariah Indonesia because they are closely related to economic conditions and the bank’s financing activities. This study employed a quantitative approach using an associative research design. The data used were secondary data obtained from the financial statements of Bank Syariah Indonesia, gold price data, and the Indonesian rupiah exchange rate against the United States dollar for the 2018–2025 period, presented on a quarterly basis, resulting in 32 observations. The sampling technique used was saturated sampling. Data were analyzed using multiple linear regression with the assistance of EViews software. The results showed that, partially, gold price fluctuations had a significant effect on Return on Assets (ROA) with a significance value of 0.001 < 0.05. The exchange rate also had a significant effect on ROA with a significance value of 0.002 < 0.05. Simultaneously, gold price fluctuations and exchange rates had a significant effect on the Return on Assets (ROA) of Bank Syariah Indonesia with a significance value of 0.002 < 0.05. Therefore, gold price fluctuations and exchange rates are factors that influence the profitability of Bank Syariah Indonesia during the study period.

Pengaruh Fluktuasi Harga Emas Dan Kurs Terhadap Return On Assets (ROA) Bank Syariah Indonesia Tahun 2018-2025 Dela Puspita Sari; Eka Sri Wahyuni; Katra Pramadeka
Science and Education Journal (SICEDU) Vol 5 No 3 (2026): Science and Education Journal 2026
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sicedu.v5i3.1221

Penelitian ini bertujuan untuk menganalisis pengaruh fluktuasi harga emas dan kurs terhadap Return on Assets (ROA) Bank Syariah Indonesia periode 2018–2025. Profitabilitas yang diukur melalui ROA menjadi indikator penting dalam menilai kemampuan bank mengelola aset untuk menghasilkan laba. Fluktuasi harga emas dan perubahan kurs diduga memengaruhi tingkat profitabilitas Bank Syariah Indonesia karena berkaitan dengan kondisi ekonomi dan aktivitas pembiayaan bank. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan merupakan data sekunder berupa laporan keuangan Bank Syariah Indonesia, data harga emas, dan data kurs rupiah terhadap dolar Amerika Serikat periode 2018–2025 yang disajikan secara triwulanan sehingga diperoleh 32 data pengamatan. Teknik pengambilan sampel menggunakan sampling jenuh. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan program EViews. Hasil penelitian menunjukkan bahwa secara parsial fluktuasi harga emas berpengaruh signifikan terhadap Return on Assets (ROA) dengan nilai signifikansi 0,001 < 0,05. Kurs juga berpengaruh signifikan terhadap ROA dengan nilai signifikansi 0,002 < 0,05. Secara simultan, fluktuasi harga emas dan kurs berpengaruh signifikan terhadap Return on Assets (ROA) Bank Syariah Indonesia dengan nilai signifikansi 0,002 < 0,05. Dengan demikian, fluktuasi harga emas dan kurs merupakan faktor yang memengaruhi profitabilitas Bank Syariah Indonesia selama periode penelitian.

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