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All Journal AKRUAL: Jurnal Akuntansi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Aghniya: Jurnal Ekonomi Islam Ekodestinasi : Jurnal Ekonomi, Bisnis, dan Pariwisata JSE: Jurnal Sharia Economica
Nonie Afrianty
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Economics, Econometrics & Finance Social Sciences

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Pengelolaan Dana Zakat, Infak dan Sedekah (ZIS) dalam Peningkatan Ekonomi Mustahik Pada BAZNAS Provinsi Bengkulu Rista Putriana Putriana; Eka Sri Wahyuni; Nonie Afrianty
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.v8i2.12292

Abstract

ZIS funds are potential funds that can be used to build community welfare in the form of revolving (productive) funds. Management of ZIS funds is carried out through the Bengkulu Province National Zakat Agency (BAZNAS). It is known that the management of ZIS funds must reach a distribution stage that is productive, empowering and seeks to optimize the potential of mustahik. Distribution of ZIS funds can be carried out through various forms of providing business capital and business equipment to mustahik. BAZNAS issued regulations regarding zakat management through the Republic of Indonesia National Zakat Amil Agency Regulation Number 4 of 2018 concerning Reporting on the Implementation of Zakat Management. The research method used is a descriptive analytical method with a qualitative approach. The results of this research show that: 1) The ZIS fund collection system by BAZNAS Bengkulu Province is carried out using social media and payment of ZIS funds is carried out using an inter-bank transfer system and directly. 2) The distribution of ZIS BAZNAS funds in Bengkulu Province is carried out productively through business program capital (3) Standard monitoring of ZIS funds is carried out by means of a sharia audit which is a report every 6 months. From the results of research by interviewing ten mustahik people, it was found that productive management of ZIS funds can increase mustahik income before and after receiving ZIS fund assistance.
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

Abstract

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.
Profit Sharing Ratio, BI Rate, and Inflation to Improve Mudharabah Deposits Fitri Dhivi Lovika; Nonie Afrianty; Rizky Hariyadi
AKRUAL: JURNAL AKUNTANSI Vol 17 No 2 (2026): AKRUAL: Jurnal Akuntansi (In Progress)
Publisher : Accounting Study Programme Faculty of Economics and Business Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jaj.v17n2.p280-292

Abstract

Introduction/Main Objectives: This study investigates how the profit-sharing ratio, BI Rate, also inflation affect level of Mudharabah deposits held in Islamic Commercial Banks (ICB) in Indonesia. Background Problems: Mudharabah deposit growth may be influenced by internal banking policies and macroeconomic conditions. Novelty: This study examines nine ICB during 2020–2024. Research Methods: Study utilizes a quantitative approach by analyzing secondary data through multiple linear regression based on 45 observations. Finding/Results: The findings indicate that only the profit-sharing ratio significantly effects on Mudharabah deposits, whereas BI Rate also inflation have no significant impact. Conclusion: The profit-sharing ratio plays an important role in increasing Mudharabah deposits in Islamic banking.
Analisis Faktor-Faktor yang Memengaruhi Minat Nasabah pada Tabungan Islamic Banking (IB) Hijrah Haji pada Bank Muamalat Indonesia KC Kota Bengkulu Septen Mardiah; Nonie Afrianty; Makmur
Ekodestinasi Vol. 4 No. 1 (2026): EKODESTINASI: Jurnal Ekonomi, Bisnis, dan Pariwisata
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/ekodestinasi.v4i1.1053

Abstract

This study aims to analyze the influence of cultural, social, personal, and psychological factors on customer interest in Islamic Banking (IB) Hijrah Hajj Savings at Bank Muamalat Indonesia Branch Office Of Bengkulu City. The study employed a quantitative method with an associative approach. Data were collected through questionnaires distributed to 50 customers of IB Hijrah Hajj Savings selected using a purposive sampling technique. Data analysis was conducted using validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination (R²) with the assistance of SPSS version 26.The results indicate that cultural, social, personal, and psychological factors partially and simultaneously have a positive and significant effect on customer interest in IB Hijrah Hajj Savings. Among these variables, psychological factors were found to be the most dominant factor influencing customer interest. The coefficient of determination (R²) value of 0.789 shows that 78.9% of the variation in customer interest can be explained by the four independent variables, while the remaining 21.1% is influenced by other factors outside the scope of this study. Based on the findings, Bank Muamalat Indonesia KC Bengkulu City is recommended to strengthen educational and promotional programs regarding the benefits of IB Hijrah Hajj Savings and to emphasize psychological and religious aspects in its marketing strategies. In addition, the public is encouraged to enhance awareness of early Hajj financial planning through savings products that comply with Islamic principles.
Pengaruh Harga, Promosi, dan Label Halal terhadap Purchase Intention Produk Cushion Glad2glow: Studi Kasus pada Mahasiswi Febi UINFAS Bengkulu Maslika Rahayu; Nonie Afrianty; Syaifuddin
Ekodestinasi Vol. 4 No. 1 (2026): EKODESTINASI: Jurnal Ekonomi, Bisnis, dan Pariwisata
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/ekodestinasi.v4i1.1062

Abstract

This study aims to determine the effect of price, promotion, and halal label on the purchase intention of Glad2Glow Cushion products among FEBI UINFAS Bengkulu students of the 2022 cohort. This research employed a causal associa-tive research design with a quantitative approach. The popu-lation consisted of all FEBI UINFAS Bengkulu students of the 2022 cohort. The sample was determined using the Slov-in formula, resulting in 75 respondents. Data were collected through questionnaires and analyzed using SPSS version 20, including multiple linear regression analysis, t-test, F-test, and coefficient of determination. The results showed that price had a positive and significant effect on purchase inten-tion, with a t-value of 4.728 and a significance value of 0.000. Promotion also had a positive and significant effect on purchase intention, with a t-value of 4.814 and a significance value of 0.000. Halal label had a significant effect on pur-chase intention, with a t-value of -2.869 and a significance value of 0.005. Simultaneously, price, promotion, and halal label significantly affected purchase intention, with an F-value of 30.863 and a significance value of 0.000. The Ad-justed R Square value of 0.511 indicates that price, promo-tion, and halal label explain 51.1% of the variation in pur-chase intention, while the remaining 48.9% is influenced by other factors outside the research model.
PERAN PENGEMBANGAN AGROWISATA  PANGONAN DALAM MENINGKATKAN PENDAPATAN MASYARAKAT DITINJAU DARI PERSPEKTIF EKONOMI ISLAM Rhaina Aprilia Madhani; Nonie Afrianty; Badaruddin Nurhab
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/v3zznp14

Abstract

This study aims to analyze the role of Pangonan Agrotourism development in increasing community income from an Islamic economic perspective. The study was conducted at Pangonan Agrotourism, Agung Jaya Village, Air Manjunto District, Mukomuko Regency. The research method used was field research with a descriptive qualitative approach. Data collection techniques were carried out through observation, interviews, and documentation. Research informants consisted of agrotourism managers, community business actors, and village officials selected using a purposive sampling technique. The results of the study indicate that Pangonan Agrotourism development plays a role in increasing community income through the opening of business opportunities, creation of jobs, and increased economic activity of the community around the tourist area. Viewed from an Islamic economic perspective, business activities that have developed in the Pangonan Agrotourism area have generally implemented halal, honest, and mutually beneficial business principles so that they can support community welfare in a sustainable manner
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.
Co-Authors Annisa Asnaini Badaruddin Nurhab Eka Sri Wahyuni Fitri Dhivi Lovika Katra Pramadeka Makmur Maslika Rahayu Rhaina Aprilia Madhani Rista Putriana Putriana Rizky Hariyadi Septen Mardiah Suryadi Sikumbang Syaifuddin