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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Akuntansi, Manajemen dan Bisnis Digital JSE: Jurnal Sharia Economica
Khozin Zaki
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Public Health Social Sciences

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PENDAMPINGAN PEMBUATAN PASPOR JAMA’AH UMRAH RT 15 MELALUI PT WAFDULLAH TAMU MULIA Sri Wahyu Ningsih; Dyana Karlina; Fuji Sri Yulianti; Rendy Ade Barokah; Khairiah Elwardah; Khozin Zaki
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2025): Volume 6 No 3 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i3.47405

Abstract

Haji dan umrah merupakan suatu kegiatan rohani yang di dalamnya terdapat pengorbanan, ungkapan rasa syukur, berbuat kebajikan dengan kerelaan hati, melaksanakan perintah Allah, serta mewujud-kan pertemuan besar dengan umat Islam lainnya di seluruh dunia. Penelitian ini bertujuan untuk melakukan pendampingan pembuatan paspor jamaah umrah di RT 15 melalui PT Wafdullah Tamu Mulia cabang Bengkulu Kota Bengkulu sebagai upaya peningkatan kemudahan pemberangkatan jamaah umrah. Metode yang digunakan adalah dengan pendekatan deskriptif kualitatif dan pendekatan ABCD (Asset Based Community Development). Pengumpulan data dilakukan melalui wawancara mendalam, observasi partisipatif, dan studi dokumentasi kepada calon jamaah umrah, serta pihak terkait seperti Wafdullah Tamu Mulia Travel dan Kantor Imigrasi Kota Bengkulu. Tahapan pelaksanaan meliputi pendampingan administrasi, penyiapan dokumen persyaratan paspor, dan pengambilan paspor. Hasil penelitian menunjukkan bahwa dengan adanya pendampingan pembuatan paspor memudahkan jamaah untuk berangkat umrah dan memudahkan jamaah dalam mengurus pemberkasan. Karena paspor merupakan identitas resmi ketika bepergian ke luar negeri.
Marketing Strategies for Hajj and Umrah Products from a Performance Marketing Perspective: A Case Study of PT Wuhi Tour Bengkulu Karien Nabila Ayu; Khairiah Elwardah; Khozin Zaki
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 4 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.32177

Abstract

Competition in the Hajj and Umrah travel business is getting tougher along with the development of digital technology, so companies are required to implement measurable and effective marketing strategies. This study aims to analyze the performance of marketing strategies, describe the results of the SWOT analysis, and identify supporting and inhibiting factors at PT. Wuhi Tour Bengkulu. The method used is descriptive qualitative through in-depth interviews, observation, and documentation with the Director and staff of PT. Wuhi Tour Bengkulu. The results show that the marketing performance strategy is implemented through three stages: planning by segmenting prospective pilgrims based on age, economic conditions, and readiness to worship; implementation through multi-channel marketing using digital and conventional media with personal follow-up; and measurement based on the number of inquiries, registrations, and growth of pilgrims per period. The SWOT analysis shows strengths in the partner network and service quality, weaknesses in social media content, opportunities from digital developments, and threats of price competition. Inhibiting factors include economic conditions and the mindset of prospective pilgrims who prioritize low prices. This strategy has been implemented in a structured manner, but needs to improve the quality of digital content and consistency in communicating service values ​​to increase the conversion of Hajj pilgrims sustainably.
STRATEGI PENINGKATAN PENDAPATAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) WISATA PANTAI BATU KUMBANG KABUPATEN MUKOMUKO PERSPEKTIF INDUSTRI HALAL Siti Khodijah; Desi Isnaini; Khozin Zaki
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: 10.46773/3219wp93

Abstract

This study aims to analyze the income conditions of Micro, Small, and Medium Enterprises (MSMEs), the implementation of the halal industry concept, and strategies to increase MSME income in the Batu Kumbang Beach tourism area, Mukomuko Regency. The research employed a qualitative method with a descriptive approach. Data were collected through observations, interviews, and documentation involving MSME owners operating in the tourism area. The findings reveal that MSME income is influenced by several factors, including the number of tourist visits, business location, types of products or services offered, and the quality of customer service. The implementation of the halal industry concept is reflected in the use of halal raw materials, business cleanliness, friendly services, and a tourism environment that aligns with Islamic values. However, most MSME operators have not yet obtained official halal certification. Strategies to increase income include improving product and service quality, intensifying tourism promotion, maintaining environmental cleanliness, and encouraging halal certification ownership. The existence of Batu Kumbang Beach tourism has contributed positively to increasing MSME income and supporting the economic development of the surrounding community.
Pengaruh Literasi Keuangan Syariah, Teknologi Finansial Berbasis E-Wallet, dan Gaya Hidup Halal, Terhadap perilaku konsumsi Islami pada Generasi Z di Kota Bengkulu Nanda Puspitasari; Herlina Yustati; 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.v11i1.30307

Abstract

This study aims to determine the effect of Islamic financial literacy, e-wallet-based financial technology, and halal lifestyle on Islamic consumption behavior among Generation Z in Bengkulu City. The background of this study is based on the many recent phenomena related to consumption behavior, including impulsive shopping, where some individuals, especially Generation Z, tend to buy goods excessively through online shopping due to the temptation of discounts or flash sales even though the goods are not necessarily needed. The data obtained from this study comes from a questionnaire that has been distributed to Generation Z in Bengkulu City who have used E-wallet. The sample was taken using a purposive sampling technique. This study uses a quantitative method using d3escriptive statistical analysis, validity tests, reliability tests, classical assumption tests, linearity tests, multiple linear regression analysis, and hypothesis testing. The results of this study indicate that the variables of Islamic financial literacy and halal lifestyle have a positive and significant relationship with Islamic consumption behavior among Generation Z in Bengkulu City, while E-wallet-based Financial Technology does not have a significant influence on Islamic consumption behavior among Generation Z in Bengkulu City
Pendampingan Sertifikasi Halal: Upaya Peningkatan Legalitas Produk Kelompok Usaha Perhutanan Sosial (KUPS) Desa Batu Raja Rejang, Kecamatan Hulu Palik, Kabupaten Bengkulu Utara Anjelia Giovani; Khairiah Elwardah; 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.v11i1.30388

Abstract

This community service activity aims to assist the Social Forestry Business Group (KUPS) of Batu Raja Rejang Village, Hulu Palik District, North Bengkulu Regency in completing the halal certification process for Sako Lemo Nakai Coffee products, which had been delayed. The assistance was carried out through stages of survey and problem identification, education on halal certification, and collaborative continuation of the certification administration with the Halal Laboratory of UIN Fatmawati Sukarno (FAS) Bengkulu. The assistance process included restoring the Halal Information System (SIHALAL) account, checking the completeness of documents, and verifying the production process to ensure that the products are safe for consumption and meet halal requirements. The results of the activity show that structured and collaborative assistance can increase business actors' understanding of the importance of halal certification and successfully encourage the issuance of halal certificates by the Halal Product Guarantee Agency (BPJPH). This activity is expected to become a model for halal certification assistance for community-based micro businesses.
Analisis Manajemen Risiko Terhadap Perubahan Itinerary Perjalanan Umrah (Studi Pada PT Berkah Utama Tour and Travel Bengkulu) Daffa Maulana Sanja; Eka Sri Wahyuni; 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.v11i1.30781

Abstract

Penelitian ini bertujuan untuk menganalisis manajemen risiko terhadap perubahan itinerary perjalanan ibadah umrah pada PT Berkah Utama Tour and Travel Bengkulu. Perubahan itinerary merupakan salah satu permasalahan yang kerap terjadi dalam penyelenggaraan umrah dan berpotensi menimbulkan berbagai risiko, baik bagi jamaah maupun pihak perusahaan. Penelitian ini menggunakan pendekatan kualitatif dengan metode penelitian lapangan. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi dengan informan yang terdiri dari pimpinan perusahaan, staf operasional, serta jamaah umrah. Hasil penelitian menunjukkan bahwa perubahan itinerary disebabkan oleh faktor internal seperti keterbatasan operasional dan koordinasi, serta faktor eksternal seperti perubahan jadwal penerbangan dan kebijakan maskapai. Dampak yang ditimbulkan meliputi risiko kenyamanan jamaah, penambahan biaya, serta penyesuaian pelayanan. Penerapan manajemen risiko yang baik dinilai mampu meminimalkan dampak negatif perubahan itinerary serta meningkatkan kepercayaan dan kepuasan jamaah umrah.
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
Analisis Strategi Pelayanan Jamaah Haji dan Umrah dalam Membangun Reputasi PT. Anugerah Quba Mandiri Bagus Piansyah; Yosy Arisandi; 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.v11i1.31089

Abstract

This study aims to analyze the service strategy for Hajj and Umrah pilgrims, service quality, and reputation-building efforts of PT. Anugerah Quba Mandiri as a Hajj and Umrah travel agency. The research employed a qualitative approach using field research methods. Data were collected through in-depth interviews, observations, and documentation involving managers, supervisors, customer service staff, and Umrah pilgrims. Data analysis was conducted using an interactive analysis model consisting of data reduction, data display, and conclusion drawing. The findings indicate that PT. Anugerah Quba Mandiri implements a systematic service strategy, starting from service planning at the registration stage, transparent package information, well-planned departure schedules, and continuous evaluation through communication with pilgrims. The service quality meets the SERVQUAL dimensions, including tangibles, reliability, responsiveness, assurance, and empathy, contributing to pilgrim satisfaction and comfort. Reputation building is achieved through regulatory compliance, professional service delivery, consistency between promises and service realization, and the implementation of sustainable social responsibility programs. These results demonstrate that the integration of service strategy and service quality plays a crucial role in building and maintaining corporate reputation in a sustainable manner.
The Influence Of Corporate Branding And Brand Ambassador On Customer Trust At Bank Syariah Indonesia Branch Office Panorama, Bengkulu City Zosen Wandi Rahman; Nurul Hak; Khozin Zaki
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 5 No 3 (2026): Juli
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v5i3.11604

Abstract

Customer trust serves as the primary foundation for the sustainability of the Islamic banking industry. Following the merger of Bank Syariah Indonesia (BSI), the strengthening of corporate brand identity and the utilization of brand ambassadors were implemented as strategic approaches to establish a positive institutional image while simultaneously enhancing customer trust. Nevertheless, the effectiveness of both strategies at the branch office level remains insufficiently examined empirically. This study aims to analyze the influence of Corporate Branding and Brand Ambassador on Customer Trust at BSI KC Panorama, Bengkulu City, both partially and simultaneously.A causal quantitative method was employed, with data collected through questionnaires distributed to active customers selected via purposive sampling technique. The data were analyzed using multiple linear regression, encompassing the t-test, F-test, and coefficient of determination (R²).The findings demonstrate that Corporate Branding exerts a positive and significant influence on customer trust (t-value = 23.895; sig. = 0.000), as does Brand Ambassador (t-value = 2.543; sig. = 0.012). Simultaneously, both variables were proven to have a significant combined effect on customer trust.It is concluded that Corporate Branding constitutes the most dominant variable in shaping customer trust at BSI KC Panorama, Bengkulu City, indicating that institutional brand image plays a considerably greater role than the ambassador figure in determining customer confidence.
Co-Authors Anjelia Giovani Bagus Piansyah Daffa Maulana Sanja Desi Isnaini Dyana Karlina Eka Sri Wahyuni Fuji Sri Yulianti Herlina Yustati Indra Heriyantoni Pratama Karien Nabila Ayu Khairiah Elwardah Nanda Puspitasari Nurul Hak Rendy Ade Barokah Siti Khodijah Sri Wahyu Ningsih Supardi Mursalin Yosy Arisandi Zosen Wandi Rahman