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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah ARSY : Jurnal Aplikasi Riset kepada Masyarakat An-Nisbah : Jurnal Perbankan Syariah Jurnal Perbankan Syariah Darussalam (JPSDa) Borneo Islamic Finance and Economics Journal (BIFEJ) Sharia Economic and Management Business Journal (SEMBJ)
Idwal B
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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Pemberdayaan Program Gapoktan Terhadap Pembiayaan Masyarakat Desa Lokasi Baru Kec. Air Periukan Eka Diah Lestari; Idwal B; Andi Cahyono
ARSY : Jurnal Aplikasi Riset kepada Masyarakat Vol. 5 No. 1 (2024): ARSY : Jurnal Aplikasi Riset kepada Masyarakat
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/arsy.v5i1.897

Abstract

Pemberdayaan Program Gapoktan Terhadap Pembiayaan Masyarakat adalah untuk mengetahui bagaimana pemberdayaan program gapoktan terhdap pembiayaan , mekanisme keja gapoktan sebagai mediator dalam memenuhi kebutuhan modal anggotanya. Penelitian ini menggunakan pendekatan kualitatiif deangan metode deskriptif, disini saya mendampingi salah satu program yaitu sistem simpan pinjam dengan mengedukasi masyarakat/anggota gapoktan untuk meningkatkan pemahaman, keterampilan dan pengetahuan dalam memahami sistem simpan pinjam keuangan untuk memenuhi kebutuhannya. Sebelum pelatihan dilaksanakan, yang semula masyarakat/anggota gapoktan masih mengelola sistem simpan pinjam dalam bentuk pembukuan dan belum memahami bagiamana mengelola sistem simpan pinjam secara komputerisasi. Kemudian pada akhir pelatihan pengabdian, masyarakat/anggota gapoktan mampu mengetahui/mengerti cara mengelola sistem simpan pinjam secara komputerisasi. Hal ini merupakan output dari kegiatan pelatiahan berupa mengelola sistem simpan pinjam secara komputerisasi. kegiatan Pemberdayaan Program Gapoktan Terhadap Pembiayaan Masyarakat Desa Lokasi Baru, Kec. Air Periukan, pembahasan teori tentang pemahaman program gapoktan melalui sistem simpan pinjam pada masyarakat/ anggota gapoktan desa lokasi baru, kec air periukan.
The Influence of Co-Creation Activities, Co-Creation Values ​​and Trust on Satisfaction and Loyalty at Indonesian Islamic Universities Idwal B; Fadli Fadli; Faisal Muttaqin
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 1 (2025): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i1.1726

Abstract

Marketing literature is still limited to studies conducted on Islamic higher education services. There is still a gap in research that tests Service Dominant logic on marketing performance in Islamic higher education. This study empirically tests the influence of student co-creation activities, student co-creation values, and trust in lecturers, their influence on student satisfaction with lecturers, and their impact on loyalty to the study program. Data collection in the field was carried out in the Islamic Higher Education Management Study Program in Indonesia, namely Bengkulu, Lampung, and Bogor. The next stage is the data processing stage using Structural Equation Model Analysis (SEM) to obtain answers to research questions. The results found that student co-creation activities - in the form of providing feedback, getting information, helping and carrying out obligations - have a positive effect on student satisfaction with lecturers, and then this satisfaction has a positive effect on student loyalty. Student co-creation values ​​and trust partially mediate the relationship between student co-creation activities and satisfaction with lecturers in the context of higher education services. With these results, it means that the influence of co-creation activities carried out by students in their daily lives can directly affect student satisfaction with lecturers, or can indirectly affect students through the role of co-creation values ​​obtained by students and student trust in lecturers.
Analysis of Inhibiting Factors in the Micro Business Credit Financing Process and Implications for Customer Business Sustainability at Bank Syariah Indonesia Mukomuko Branch Office Ayu Retno Trianingsih; Idwal B; Esti Alfiah
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 6, NO.1, Juni 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.13282

Abstract

This study aims to determine and analyze the implementation process of Sharia People's Business Credit (KUR Syariah) distribution, identify inhibiting factors in the financing process, and analyze the implications of these obstacles on the business sustainability of customers at Bank Syariah Indonesia (BSI) KCP Mukomuko. The research method used is qualitative with a descriptive approach. Data were collected through in-depth interviews with five informants consisting of the Micro Business Manager (MBS) and Retail Sales Executive (RSE), as well as through observation and documentation. The results showed that the distribution process of KUR Syariah at BSI KCP Mukomuko is carried out through stages of application, OJK SLIK file verification, field survey (On The Spot), 5C feasibility analysis (Character, Capacity, Capital, Collateral, Condition), to the signing of the murabahah contract. The main inhibiting factors found include internal factors in the form of technical and geographical constraints, as well as external factors such as the unreadiness of customer administrative documents and the low quality of the character or capacity of prospective debtors. The implications of these financing process obstacles impact delays in receiving capital which cause customers to lose business momentum; however, in general, successfully distributed financing provides positive implications for increasing turnover, adding assets, and expanding market reach for MSMEs in Mukomuko Regency. Keywords: KUR Syariah, Inhibiting Factors, Business Sustainability, BSI KCP Mukomuko.
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

Abstract

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.
Pengaruh Fintech Payment, Kontrol Diri Dan Literasi Keuangan Syariah Terhadap Manajemen Keuangan Pribadi Pada Komunitas Genbi Bengkulu Laila Tri Oktavia; Idwal B; Miko Polindi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3886

Abstract

This study aims to analyze the influence of Fintech Payment, self-control, and Islamic financial literacy on personal financial management within the Generasi Baru Indonesia (GenBI) community in Bengkulu. The research employs a quantitative approach, with data collected through questionnaires distributed to 175 respondents. The data were analyzed using multiple linear regression with the assistance of SPSS version 25. The analysis results show that, partially, Fintech Payment has a positive and significant effect on personal financial management with a significance level of 0.042. The self-control variable also has a significant influence, with a significance value of 0.003, while Islamic financial literacy demonstrates the most significant impact, with a value of 0.000. Simultaneously, the three variables have a positive and significant effect on personal financial management, as evidenced by a significance value of 0.000 (< 0.05). Therefore, these variables contribute significantly to improving the personal financial management skills of GenBI Bengkulu members.
Green Banking: Implementasi dan Kontribusi Terhadap Pencapaian Sustainable Development Goals 1 Di Sektor Perbankan Syariah Fitri Desvaria; Idwal B; Miko Polindi
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 2 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i2.4041

Abstract

Perubahan iklim, degradasi lingkungan, dan meningkatnya angka kemiskinan menjadi isu global yang saling berkaitan dan mendesak untuk diatasi. Dalam konteks ini, sektor perbankan, khususnya perbankan syariah, memiliki peran strategis dalam mendukung pembangunan berkelanjutan melalui implementasi green banking. Penelitian ini bertujuan untuk menganalisis bagaimana implementasi green banking dilakukan di sektor perbankan syariah di Indonesia serta kontribusinya terhadap pencapaian Tujuan Pembangunan Berkelanjutan pertama (SDGs 1), yaitu pengentasan kemiskinan. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi pustaka, mengkaji berbagai dokumen seperti laporan tahunan bank, regulasi pemerintah, serta artikel jurnal ilmiah. Hasil penelitian menunjukkan bahwa perbankan syariah mulai menerapkan prinsip green banking melalui pembiayaan ramah lingkungan, efisiensi energi, digitalisasi layanan, serta pengelolaan dana sosial Islam (ZISWAF) untuk memberdayakan kelompok miskin dan rentan. Kontribusi ini terlihat dari pembiayaan UMKM hijau, pembangunan desa tangguh, pelatihan kewirausahaan, dan peningkatan inklusi keuangan. Temuan ini mengindikasikan bahwa green banking dapat menjadi instrumen efektif dalam mendukung kesejahteraan masyarakat secara berkelanjutan. Namun, tantangan masih dihadapi, seperti keterbatasan pemahaman, regulasi, dan komitmen institusi. Oleh karena itu, diperlukan kolaborasi antarpemangku kepentingan untuk memperkuat peran green banking dalam mencapai pembangunan berkelanjutan yang inklusif dan adil.
Co-Authors Andi Cahyono Ayu Retno Trianingsih Eka Diah Lestari Esti Alfiah Fadli Fadli Faisal Muttaqin Fitri Desvaria Katra Pramadeka Laila Tri Oktavia Meidhe Ade Maharani Miko Polindi