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All Journal Al-Ihkam: Jurnal Hukum dan Pranata Sosial Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT EkBis: Jurnal Ekonomi dan Bisnis Journal of Enterprise and Development (JED) Jurnal Manajemen dan Bisnis Jayakarta Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Jurnal Aghniya An-Nisbah : Jurnal Perbankan Syariah GANESHA: Jurnal Pengabdian Masyarakat Jurnal Arastirma Center of Knowledge Jurnal Pengabdian Masyarakat Bhinneka Jurnal Perbankan Syariah Darussalam (JPSDa) Innovative: Journal Of Social Science Research Jurnal Manajemen Dan Bisnis Ekonomi Tasyri' JSE: Jurnal Sharia Economica Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mujtama: Jurnal Pengabdian Masyarakat Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi, Manajemen, Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Miko Polindi
Universitas Islam Negeri Fatmawati Sukarno
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Implementasi Prinsip Syariah Terhadap Produk Islamic Securities Crowdfunding : (Studi pada LBS Urun Dana a Syirkah Initiative) Miko Polindi; Trisna Taufik Darmawansyah
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 2 No. 2: Januari-Juni 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v2i2.4960

Abstract

Saat ini, kesadaran masyarakat terhadap praktik berbisnis secara prinsip-prinsip Islam berkembang pesat. Kesadaran ini memaksa para pemilik usaha untuk menilai kembali kegiatan bisnisnya serta memilih untuk mencari instrumen yang selaras dengan prinsip syariah. Dalam rangka meningkatkan kesadaran dan inklusi keuangan, LBS Urun Dana a Syirkah initiative dirancang sebagai platform berbasis sekuritas crowdfunding di Indonesia yang menawarkan produk-produk seperti saham syariah, sukuk, dan wakafestasi. LBS Urun Dana a Syirkah Initiative menyediakan, mengelola, dan mengoperasikan layanan penawaran saham yang dilakukan oleh pelaku usaha pemula (penerbit) untuk menjual saham secara langsung kepada pemodal melalui platform lbs.id. Dengan demikian, LBS Urun Dana a Syirkah initiative membantu meningkatkan akses pendanaan bagi pelaku usaha sehingga inklusi keuangan dapat terwujud. Penelitian yang dilakukan menggunakan metode kualitatif deskriptif dengan teknik observasi dan dokumentasi. Tujuan penelitian ini adalah untuk menjelaskan pelaksanaan layanan urun dana fundex.id dan mengetahui pelaksanaan layanan urun dana fundex.id berdasarkan prinsip syariah. Dengan demikian, penelitian ini dapat membantu meningkatkan kesadaran dan inklusi keuangan melalui platform LBS Urun Dana a Syirkah initiative yang sesuai dengan prinsip-prinsip syariah. LBS Urun Dana a Syirkah initiative telah menerapkan prinsip-prinsip syariah berdasarkan fatwa DSN-MUI No.140 tahun 2021. Dengan demikian, LBS Urun Dana a Syirkah initiative dapat diandalkan sebagai platform yang berbasis syariah dan memberikan alternatif investasi yang sesuai dengan prinsip-prinsip Islam.
PENDAMPINGAN BERKELANJUTAN SISTEM JAMINAN PRODUK MAKANAN HALAL BAGI UMKM Paramida, Cici; Rahmania, Siti; Bunhatika, Lesta Kurnia; Polindi, Miko
GANESHA: Jurnal Pengabdian Masyarakat Vol 5 No 2 (2025): Juli 2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Tunas Pembangunan Surakarta (UTP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/ganesha.v5i2.5026

Abstract

Pendampingan berkelanjutan dalam sistem jaminan produk halal bagi UMKM sangat penting untuk meningkatkan keinginan dan kualitas produk. Jurnal ini mengkaji model pendampingan yang efektif dalam mendukung UMKM dalam membangun dan mempertahankan Sistem Jaminan Produk Halal (SJPH). Pendekatan Pengembangan Komunitas Berbasis Aset (ABCD) digunakan sebagai kerangka utama, yang menekankan pemanfaatan aset lokal seperti sumber daya manusia, jaringan sosial, dan institusi untuk pemberdayaan. Melalui tahapan Discovery hingga Delivery, model ini mampu mengatasi hambatan umum seperti keterbatasan pengetahuan, keterbatasan teknologi, dan akses terhadap regulasi halal. Studi kasus UMKM Pisang Keju 88 Bude menunjukkan bahwa penerapan model ini meningkatkan literasi digital, akuntabilitas usaha, serta citra profesional produk, sehingga UMKM menjadi lebih siap menghadapi audit halal dan persaingan pasar digital. Selain itu, pengembangan modul pelatihan dan pembentukan komunitas belajar berbasis kolaborasi diyakini mampu memperkuat ekosistem halal nasional yang berkelanjutan. Rekomendasi dari tulisan ini menekankan pemerintah daerah, institusi pendidikan tinggi, dan mitra strategis dalam mengintegrasikan dan memperluas sistem pendampingan berbasis komunitas yang digital dan inklusif, agar UMKM mampu berdaya dan berkelanjutan dalam ekosistem halal global.
PENDAMPINGAN STRATEGI PEMASARAN PISANG KEJU 88 BUDE MENGGUNAKAN SISTEM DIGITAL MARKETING Berlianti, Amini; Rahmadani, Femmy Aisyah; Putri, Rozanda Anjenia; Saputra, Rizky Aditya; Polindi, Miko
GANESHA: Jurnal Pengabdian Masyarakat Vol 5 No 2 (2025): Juli 2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Tunas Pembangunan Surakarta (UTP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/ganesha.v5i2.5027

Abstract

Usaha Mikro Kecil dan Menengah (UMKM) memegang peran penting dalam pertumbuhan ekonomi lokal, namun masih menghadapi tantangan signifikan dalam hal pemasaran produk, khususnya di era digital. Pisang Keju 88 Bude, sebagai salah satu UMKM kuliner yang berlokasi di jalan raden fatah,pagar dewa,kota Bengkulu, mengalami kesulitan dalam menjangkau pasar yang lebih luas akibat keterbatasan dalam pemanfaatan strategi pemasaran digital. Penelitian ini bertujuan untuk mendampingi dan mengembangkan strategi pemasaran produk tersebut melalui penerapan sistem digital marketing yang terstruktur untuk merancang, mengimplementasikan strategi pemasaran digital yang efektif, dengan mengintegrasikan berbagai platform digital seperti media sosial, layanan pesan antar online, dan desain konten promosi yang menarik. Pelatihan serta praktik langsung penggunaan media digital seperti Instagram, WhatsApp Business, dan integrasi ke aplikasi GoFood dan Maxim Food Delivery, kegiatan pembuatan desain packaging serta evaluasi efektivitas strategi melalui peningkatan jangkauan dan transaksi. Desain promosi digital dibuat secara visual menarik dengan elemen grafis produk, tagline promosi, serta penyesuaian untuk berbagai kanal digital. Hasil menunjukkan peningkatan signifikan dalam keterampilan pelaku usaha dalam mengelola platform digital, termasuk optimalisasi penggunaan GoFood dan Maxim sebagai kanal distribusi modern. Adopsi desain pemasaran visual (poster, feed Instagram, dan katalog digital) turut meningkatkan interaksi konsumen dan memperkuat identitas merek. Strategi ini berhasil mendorong pertumbuhan penjualan dan memperluas jangkauan pasar, sekaligus membuka potensi kolaborasi digital jangka Panjang.
Pengaruh Fintech Payment, Kontrol Diri Dan Literasi Keuangan Syariah Terhadap Manajemen Keuangan Pribadi Pada Komunitas Genbi Bengkulu Tri Oktavia, Laila; B, Idwal; Polindi, Miko
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.
Resistance of Micro, Small, and Medium Enterprise Owners to Halal Labeling Policy within Islamic Law Framework Asnaini, Asnaini; Irwan Abdullah; Miko Polindi; Ahmad Muzakky; Ayu Yuningsih
AL-IHKAM: Jurnal Hukum & Pranata Sosial Vol. 20 No. 1 (2025)
Publisher : Faculty of Sharia IAIN Madura collaboration with The Islamic Law Researcher Association (APHI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/al-lhkam.v20i1.18430

Abstract

This study analyzes how resistance to halal labeling policies among Micro, Small, and Medium Enterprises (MSME) owners has influenced the experiences and challenges in educating about and implementing halal food policies in Indonesia, and even globally, particularly among food and beverage providers serving daily meals to the public. The MSME owner respondents interviewed for this study have been operating their businesses for a relatively long time and have been selling food and beverages without a halal label. A questionnaire was used to collect data on the reasons for rejection and its prevalence. Semi-structured interviews were conducted to explore key topics within thematic narratives. The research found that MSME owners’ resistance to halal labeling occurred covertly. This resistance stemmed from the miscommunication of the halal labeling policy and the differing understanding of halal standards among MSME owners, religious perspectives, and government regulations. Objections to the complex procedures and costs involved were also significant factors contributing to this resistance. MSME owners have not yet recognized the benefits of halal labeling for business growth and innovation, and instead, focus primarily on the immediate survival of their businesses to meet daily needs. MSMEs need assistance from other parties to advance and innovate. The resistance and contestation of halal values in MSMEs could potentially lead to violations of the principles of Islamic law, particularly in production and consumption.
Pengaruh Inovasi Teknologi, Literasi Keuangan, Dan Lingkungan Sosial Terhadap Minat Berinvestasi Di Pasar Modal Secara Komparatif Dini, Dini Putri Pebriani; Arisandy, Yosy; Polindi, Miko
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.v5i02.4034

Abstract

This study aims to compare the influence of technological innovation, financial literacy, and social environment on students’ interest in investing in the sharia capital market at three universities: UIN Fatmawati Sukarno Bengkulu, Universitas Muhammadiyah Bengkulu, and Universitas Bengkulu. The background of this research is the rising trend of interest among Generation Z, particularly university students, in technology-based investments, financial awareness, and the influence of their social environment. This research used a quantitative approach with a survey method by distributing questionnaires to 112 respondents. The data were analyzed using multiple linear regression with the help of SPSS version 25. The findings indicate that, individually, technological innovation, financial literacy, and social environment positively and significantly affect interest in investing in the Islamic capital market. Collectively, these three variables also have a significant impact. These findings highlight the importance of enhancing financial literacy, optimizing the use of technology, and strengthening the role of the social environment in fostering investment interest among students, as well as creating a supportive social climate to encourage student participation in investment activities.
Analisis Perkembangan Financial Technology Peer To Peer (P2P) Lending Syari’ah Di Indonesia Dalam Perspektif Maqasid Syari’ah Polindi, Miko; Darmawansyah, Trisna Taufik; Yanti, Elsa April
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.3912

Abstract

Peer to Peer (P2P) sharia lending is a type of fintech used by sharia fintechs that utilize technology services. This research aims to analyze the development of fintech peer to peer lending sharia using the maqashid sharia approach. The method used in this research is a qualitative method with a qualitative descriptive approach, through three stages, namely orientation, exploration and focused literature study. The results of this research show that there are seven types of sharia peer to peer lending registered at the OJK, and of the seven P2P lending fintech, the mechanism used is by the MUI DSN Fatwa No: 117/DSN-MUI/II /2018 regarding information technology-based financing services based on sharia principles, this shows that fintech P2P Sharia Lending in Indonesia has fulfilled the maqasid of sharia and has clear legal protection. However, what is needed now is efforts to increase literacy about P2P Sharia Lending in the community.
PENGARUH SUSTAINABLE DEVELOPMENT GOALS TERHADAP PENGENTASAN KEMISKINAN DI PROVINSI BENGKULU DENGAN PKH SEBAGAI MODERATING Maharani , Angelia; Arisandy , Yosy; Polindi , Miko
Jurnal Manajemen & Bisnis Jayakarta Vol 7 No 01 (2025): Vol 7 No 01 Juli 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Jayakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53825/jmbjayakarta.v7i01.395

Abstract

This study aims to analyze influence of three pillars of sustainable development goals that are measured, namely Economic Pillar of Gross Regional Domestic Product (GRDP), Social Pillar of Human Development Index (HDI) and Environmental Pillar of Availability of Livable Housing (KRLH) on poverty alleviation in Bengkulu Province with the Family Hope Program as moderating. This study uses quantitative approach by collecting secondary data accessed from the official website of the Central Statistics Agency of Bengkulu Province. With sample data collection using a purposive sampling method totaling 50 samples. Data analysis uses Multiple Linear Regression and Moderated Regression Analysis (MRA) with the Eviews 12 application tool. The results in this study show that the GRDP variable has a significant positive effect on poverty, the HDI variable has negative but insignificant effect while KRLH variable has positive but insignificant effect and knowing that PKH is able to moderate effect of KRLH but is unable to moderate the effect of GRDP and HDI.
THE THE INFLUENCE OF TECHNICAL ANALYSIS, RELATIVE STRENGTH INDEX (RSI) AND MOVING AVERAGE (MA) ON STOCK PURCHASE DECISIONS : Case Study on The Sharia Capital Market in Bengkulu City Mulya Rasyid, Leonardo Duarsie; Setiawan, Romi Adetio; Polindi, Miko
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.9088

Abstract

Sharia capital markets have developed in various countries, each with its own unique investment characteristics. In this context, stock investment decisions in the Sharia capital market can be influenced by various factors. The objective of this study is to determine the effect of technical analysis (X1), the relative strength index (X2), and the moving average (X3) on stock purchase decisions (Y) in the Sharia capital market in Bengkulu City. To test this, the study used a quantitative method with primary data collection techniques in the form of questionnaires distributed to 100 respondents. The data analysis technique used was multiple linear regression using SPSS version 25.0. From the results of the research and discussion, it was found that technical analysis, relative strength index and moving average influenced stock purchasing decisions as indicated by the results of the T test, namely, technical analysis t-count value > t-table (2.115 > 1.660), relative strength index t-count value > t-table (5.600 > 1.660), moving average t-count value > t-table (4.537 > 1660), based on the results of the F test, the results obtained were 65.9% of stock purchasing decisions were influenced by these three factors while 34.1% were determined by other factors.
Pengembangan Potensi Wisata Desa Surau Kecamatan Taba Penanjung Kabupaten Bengkulu Tengah Oktaviani, Oktaviani; Isnaini, Desi; Polindi, Miko
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 5 No. 2 (2025): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v5i2.6528

Abstract

This service was carried out in Surau Village, Taba Penanjung District, Central Bengkulu Regency, this service aims to support the development of tourism potential in Surau Village. In this service activity, researchers used the ABCD (Asset-Based Community Development) method. The focus of this activity is to create social media accounts as promotional material for village tourism. The ABCD method in this service activity is carried out in stages: a. Discovery (Asset Identification), b. Dream (building relationships and collaboration), c. Design (designing targets), d. Define (determine), e. Destiny (do). The results of the activity show an increase in community capacity in tourism management, Pokdarwis, as well as the creation of a digital-based marketing strategy to increase the tourist attraction of the village. With this development, it is hoped that Surau Village can become one of the leading tourist destinations in Central Bengkulu Regency which will ultimately support the sustainable economic growth of the local community.
Co-Authors Achmad Kaka Ariel Fachrozi Aguspriyani, Yani Ahmad Muzakky Alda Julianti Andang Sunarto Andang Sunarto Anisa Nurhasanah Ardiani, Mila Ayu Arisandy , Yosy Arisandy, Yosy Asnaini Asnaini, Asnaini Aten, Nurul Aurin Novima Setra Ayu Yuningsih Azim, Muhamad Fadli B, Idwal Berlianti, Amini Bunhatika, Lesta Kurnia Diah Puji Astuti Diesy, Putri Dini, Dini Putri Pebriani Dwi Wulandari Auliatul Badri Efriyanah, Ernah Erpina, Anita Fathur Rohman Fironika Khoirun niswa Fitriani, Putri Diesy Genta Puja Kusuma Ida Farida Indri Apriliani Irwan Abdullah Isnaini, Desi Jelita Hendika Gultom Jesica Ringga Kaurany Khairiah Elwardah Leonardo Duarsie Mulya Rasyid Lilis Hidayanti M Habbib Dwi Putra H Maharani , Angelia Marita Putri Mulya Rasyid, Leonardo Duarsie Ninda Ayu Permata Sari Oktaviani oktaviani Paramida, Cici Pesi Elmansa Putri Diesy Fitriani Putri, Rozanda Anjenia Raga Pratama Satria Gusti Rahma Gustina Rahmadani, Femmy Aisyah Rahmania, Siti Rantika Prameswari Raya, Fitri Rezky Mehta Setiadi Rika Dwi Yanti Romi Adetio Setiawan Sanawi Sanawi Sandi Febrian Saputra, Rizky Aditya Setiawan , Romi Adetio Setiawan, Romi Adetio Susilawati, Nilda Taufik, Trisna Tejasunarya, Jaka Laksana Tri Oktavia, Laila Trisa Nurhasana Triyana, Triyana Wulandari, Fenny Vebry Yani Aguspriyani Yani Aguspriyani Yani Aguspriyani Yanti, Elsa April Yarmunida, Miti Yosi Arisandi Yosy Arisandi Yosy Arisandy Yosy Arisandy Yutina, Iwit