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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) Journal of Management and Bussines (JOMB) Abdimas Langkanae Jeksyah
Kustin Hartini
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Peran Badan Usaha Milik Desa Urip Jaya dalam Upaya Peningkatan Ekonomi Masyarakat Kustin Hartini
Journal of Management and Bussines (JOMB) Vol 5 No 2 (2023): Journal of Management and Bussines (JOMB)
Publisher : IPM2KPE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/jomb.v5i2.5134

Abstract

This research aims to explore the role of BUMDes Urip Jaya in efforts to improve the economy of the people of Sumber Urip Village, Rejang Lebong Regency, Bengkulu Province. This research method is qualitative research with a descriptive approach. The results of the research show that the role of BUMDes Urip Jaya in efforts to improve the economy of the Sumber Urip village community has generally been going well, this can be seen from the ongoing activities of BUMDes business units including the Payment Point Online Bank (PPOB) business unit as a payment access center. electricity and water, a bokashi unit as a fertilizer supply service center and a tourism unit as a center for managing tourism village potential and also a tent unit which provides various kinds of tents for community celebration events. Conclusion. Keywords: BUMDes, Community Economy, Role of BUMDes
ANALISIS SERVICE QUALITY, EMOSIONAL, DAN HARGA TERHADAP KEPUASAN KONSUMEN PADA HOTEL QIERAN SYARIAH Anggela Cahyati; Asnaini Asnaini; Kustin Hartini
Journal of Economic, Bussines and Accounting (COSTING) Vol. 7 No. 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.12725

Abstract

This research aims to determine the influence of Service Quality, Emotionality, and Price on Consumer Satisfaction. This research uses quantitative methods with a descriptive approach. The research location was at the Qieran Syariah Hotel, Bengkulu City with a sample of 80 people, consisting of men and women aged 17-45 years and over. The research results show that the Service Quality variable has a positive and significant effect on Consumer Satisfaction with the basis for decision making being a t value of 1.673 and a t table of 0.677 (t count > t table) and a significance value of 0.001 < 0.05. The emotional variable has a positive and significant effect with the basis for decision making being a calculated t value of 2.233 and t table of 0.677 and a significance value of 0.002 <0.05. The price variable has a positive and significant effect on the basis for decision making, with a calculated t value of 0.995 and t table of 0.677 and a significance value of 0.000 <0.05. Taken together, the Service Quality, Emotional and Price variables have a significant effect on Consumer Satisfaction with a significance value of 0.004 < 0.05 and an f count of 65,279. Keywords: Service Quality, Emotional, Price, Consumer Satisfaction
Analisis Perilaku Sosial Ekonomi Jama’ah Pasca Umroh di Desa Pasar Bantal Kecamatan Teramang Jaya Kabupaten Muko-Muko Salma Dia Winanta; Eka Sri Wahyuni; 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.v11i3.31929

Abstract

This study aims to identify and analyze the socio-economic behavior of pilgrims after performing Umrah in Pasar Bantal Village, Teramang Jaya District, Muko-Muko Regency, as well as the factors influencing it. This research used a qualitative method with a phenomenological approach to understand the experiences and behavioral changes of pilgrims after performing Umrah. Data collection techniques were carried out through in-depth interviews, observations, and documentation involving people who had performed Umrah. The results of the study indicate that Umrah worship has an influence on changes in the socio-economic behavior of pilgrims, such as increased religious activities, social awareness, charitable behavior, and a simpler lifestyle with greater caution in earning a livelihood. However, these changes did not occur evenly among all pilgrims because they were influenced by internal and external factors, such as the level of religiosity, personal motivation, economic conditions, and social environment. Thus, the spiritual experience during Umrah has an influence on the socio-economic behavioral changes of pilgrims in their daily lives.
Determinants of Investment Interest in the Islamic Capital Market among Generation Z in North Bungku Regency, Indonesia Arnila Saputri; Evan Stiawan; Kustin Hartini
Jeksyah: Islamic Economics Journal Vol. 6 No. 01 (2026): May 2026 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v6i01.3500

Abstract

This study aims to analyze the influence of investment motivation, investment knowledge, technological advancement, and investment risk on investment interest in the Islamic capital market among Generation Z in North Bungku Regency, Indonesia. This study used a quantitative approach with a survey method with a sample of 100 respondents selected through purposive sampling. Data were collected through a Likert scale questionnaire (1–10) distributed via Google Forms and analyzed using multiple linear regression. The results show that investment knowledge and investment risk have a positive and significant influence on investment interest, while investment motivation and technological advancement do not have a significant partial effect. Simultaneously, all variables significantly influence investment interest. These findings indicate that rational factors, such as knowledge and risk awareness, play a more dominant role than motivational and technological factors in shaping investment interest among Generation Z. This study implies the importance of improving financial literacy and risk understanding through structured educational programs to increase participation in the Islamic capital market. Future research is recommended to include additional variables such as religiosity and digital financial literacy, as well as a broader and more diverse sample.
Analisis Strategi Pemasaran 4P (Product, Price, Place, and Promotion) Terhadap Pencapaian Target Seat Keberangkatan Umroh: Pendekatan SWOT Pada PT Berkah Utama Travel Bengkulu Adelia Amanda; Yosy Arisandi; Kustin Hartini
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.v11i1.30783

Abstract

This study aims to analyze the 4P marketing strategy (product, price, place, promotion) towards achieving the target of Umrah departure seats: the SWOT approach at PT. Berkah Utama Tour & Travel Bengkulu. This type of research is field research uses a qualitative approach. Data analysis techniques use SWOT analysis. Data were collected through interviews, observations, and documentation. The results of the study indicate that the strategy used by PT. Berkah Utama Tour & Travel Bengkulu is quite effective in achieving the target of Umrah departure seats. Products with various choices, competitive prices, strategic locations, and online and offline promotions. The results of the internal factors SWOT analysis of PT. Berkah Utama Tour & Travel Bengkulu possesses several strengths, including legality, the KSA team, an extensive branch network, and ownership by six partners. and a 13-day flagship package. However, there are weaknesses in price perception and the package options. External factors of opportunity have good relationships with pilgrims, and it is one of the companies that is quite developed. Threats faced include the pilgrims' congregation still lacking knowledge regarding key factors to consider when choosing a travel agency, as well as intense competition among Umrah travel agencies.
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.
Pendampingan UMK Bakso 99 Seluma Dalam Penyusunan Laporan Keuangan Sederhana Untuk Kelayakan Pembiayaan Syariah Melalui Metode Participatory Action Research (PAR) Ardiansyah; Fitri Dhivi Lovika; Ani Khusnul Hatimah; Khairiah Elwardah; Kustin Hartini
Abdimas Langkanae Vol. 5 No. 1 (2025)
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53769/jpm.v5i1.400

Abstract

Usaha Mikro Kecil (UMK) memegang fungsi berharga dalam meningkatkan perekonomian daerah, tetapi tantangan dalam penyusunan laporan keuangan masih menjadi kendala dalam mengakses pembiayaan, terutama yang berbasis syariah. Penelitian ini bertujuan untuk mendampingi UMK Bakso 99 Seluma dalam penyusunan laporan keuangan simpel guna menunjang kelayakan pembiayaan syariah. Metode digunakan ialah Participatory Action Research (PAR) yang melibatkan pelaksana usaha yang aktif. Hasil pendampingan menunjukkan peningkatan signifikan dalam pencatatan transaksi harian, penyusunan laporan laba rugi, arus kas, dan neraca. Selain itu, pemahaman pelaku usaha terhadap prinsip-prinsip keuangan syariah seperti keadilan, transparansi, dan bebas riba juga meningkat. Karena adanya pendampingan ini, UMK dapat makin siap dalam mengakses pembiayaan syariah.
Co-Authors Adelia Amanda Anggela Cahyati Ani Khusnul Hatimah Ardiansyah Arnila Saputri Asnaini Asnaini Eka Sri Wahyuni Evan Stiawan Fitri Dhivi Lovika Khairiah Elwardah Salma Dia Winanta Supardi Mursalin Wahyuni Sri Rezeki Yosy Arisandi