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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Bima Journal : Business, Management and Accounting Journal Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Ekonomi Syariah dan Bisnis Economic Reviews Journal Jurnal Pengabdian Mandiri MILRev: Metro Islamic Law Review JSE: Jurnal Sharia Economica
Supardi Mursalin
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Manajemen Resiko Calon Jamaah Umroh (Studi di Desa Talang Tinggi Kabupaten Seluma) Indra Heriyantoni Pratama; Supardi Mursalin; Khozin Zaki
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.v11i1.30842

Abstract

This study aims to analyze the risk management faced by prospective Umrah pilgrims, particularly victims of Umrah Package fraud in Talang Tinggi Village, Seluma Regency, this study used a qualitative descriptive approach with data collection techniques through observation, interviews, and documentation. The research informants consisted of prospective Umrah pilgrims, fraud victims, and umrah travel agencies. The result show that prospective Umrah pilgrims face various risk, including administrative, operational,legal, economic, social, and psychological risks. The most dominant risks are economic and legal risks, which cause financial losses and uncertainty about departure. The implementation of risk management is carried out through the stages of identification, analysis, evaluation, and risk mitigation. Recommended strategies include increasing pilgrim literacy regarding travel legality, transparency ind fund management, strengthening internal coordination of travel agencies, and emotional support for victims. The impelentation of appropriate risk management is expected to minimize the potential for fraud and increase protection for prospective Umrah pilgrims
PARTISIPASI MASYARAKAT DALAM PENGELOLAAN DANA DESA (Studi di Desa Marga Sakti Kecamatan Padang Jaya Kabupaten Bengkulu Utara) Supardi Mursalin; Citra Liza; fikri, muhammad
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v5i1.3069

Abstract

This study aims to identify the forms of community participation in the management of village funds in Marga Sakti Village and to assess whether the management process has been carried out transparently, accountably, and in accordance with community needs. The research uses a descriptive qualitative method with a descriptive approach and applies a purposive sampling technique, in which respondents are deliberately selected based on their understanding of village fund management. A total of 10 participants were involved, consisting of village officials, community leaders, youth, and local residents. The results show that the level of community participation in Marga Sakti Village varies at each stage of fund management. Participation is relatively good during the planning and implementation stages, while at the supervision and evaluation stages, it still needs improvement. Overall, the management of village funds in Marga Sakti Village has been carried out quite transparently and accountably; however, greater community involvement in all stages is needed to make fund management more effective and aligned with community needs.
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

Abstract

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.
Pengaruh Influencer, Financial Technology dan Perencanaan Keuangan terhadap Keputusan Investasi Investor Muda di Pasar Modal Syariah Wahyuni Sri Rezeki; Supardi Mursalin; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31652

Abstract

This study aims to examine the influence of influencers, financial technology, and financial planning on the investment decisions of young investors in the Islamic capital market, both partially and simultaneously. This research employs a quantitative approach with a causal associative research design. The population of this study consists of sharia stock investors registered with KISI Securities at STIA Bengkulu, with a sample of 50 respondents selected using purposive sampling techniques. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS version 18. The results show that, partially, influencers do not have a positive and significant effect on the investment decisions of young investors in the Islamic capital market. Meanwhile, financial technology and financial planning have a positive and significant effect on investment decisions. Simultaneously, influencers, financial technology, and financial planning have a significant effect on investment decisions. This study indicates that the investment decisions of young investors are more influenced by technological factors and financial planning capabilities rather than social influence from influencers. Keywords: Influencers, Financial Technology, Financial Planning, Investment Decisions, Islamic Capital Market.
Analisis Tren Pembiayaan Dan Simpanan Bank Maslahat Dana Syariah Nusantara Kota Bengkulu Periode 2020-2024. maycica, donnamaycica; Supardi Mursalin; Padlim Hanif
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18114

Abstract

Abstract: The development of financing and deposits in Islamic banking is an important indicator in assessing the intermediation function and the level of public trust in Islamic financial institutions. However, research on financing and deposit trends at Islamic Rural Banks (BPRS) in the regions is still relatively limited, particularly at Bank Maslahat Dana Syariah Nusantara in Bengkulu City. This study aims to analyze the financing and deposit trends at Bank Maslahat Dana Syariah Nusantara in Bengkulu City for the period 2020-2024 and the factors influencing them. The study used a descriptive method with a qualitative approach. Data were obtained through interviews, observations, and documentation with informants consisting of internal bank officials and customers. Data analysis was conducted by describing the development of financing and deposits each year, then interpreting the direction of the trends and the factors influencing these changes. The results show that financing experienced an increasing trend from 9,877 million rupiah in 2020 to 20,294 million rupiah in 2024, with financing dominating the MSME productive sector. Deposits also increased from 10,432 million rupiah to 18,837 million rupiah during the same period. This increase indicates that the bank's intermediation function is functioning quite well and that public trust in Islamic banks is growing. Factors influencing this trend include service quality, product suitability, implementation of Islamic principles, contract transparency, community economic conditions, and customer trust. This research is expected to serve as a reference for developing Islamic banking intermediation strategies in the regions.kata kunci: islamic banks, intermediation function, financing trends, deposit trends
Co-Authors Ani Khusnul Hatimah Citra Liza Esti Alfiah Evan Stiawan Felisa Ayu Wulandari Hamdan Inda Tri Listri Indi Mardalena Indra Heriyantoni Pratama Katra Pramadeka Khozin Zaki Kustin Hartini M. Fijar Ishlahul Ummah maycica, donnamaycica Mohamad Salik Muhammad Fikri Nurhayati, Yeni Nurul Aini Padlim Hanif Rahmat Noprianto Renta Rejesti Robeet Thadi Rolin Galileo Sabrina Aulia Salsabilla USWATUN HASANAH Wahyuni Sri Rezeki Yetti Afrida Indra