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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) MEDIA MANAJEMEN JASA Jurnal Aghniya An-Nisbah : Jurnal Perbankan Syariah GANESHA: Jurnal Pengabdian Masyarakat Jurnal Arastirma Center of Knowledge Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) 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 Kualitas Layanan Tour Leader dalam Mendampingi Jamaah Umrah dengan Menggunakan Metode Service Quality (Studi pada PT. Bengkulu Syiar Haramain Kota Bengkulu) Rantika Prameswari; Khairiah Elwardah; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.28284

Abstract

This study aims to determine the tour leader service in accompanying Umrah pilgrims at PT. Bengkulu Syiar Haramain Bengkulu City and to determine the suitability of tour leader services with five service quality indicators. The focus of the study is directed at the service aspects provided by tour leaders to Umrah pilgrims and their suitability with five service quality dimensions, namely physical evidence (tangibles), reliability (reliability), responsiveness (responsiveness), assurance (assurance), and empathy (empathy). This study uses a qualitative approach with data collection methods through interviews, observations, and documentation. The results of the study indicate that the tour leader service of PT. Bengkulu Syiar Haramain is classified as good and has met the service quality standards, although there are still shortcomings in terms of reliability, namely the timeliness of distribution of Umrah pilgrim equipment, so it still requires improvement to increase pilgrim satisfaction.
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.
Peran dan Aplikatif Financial Technology pada Perbankan Syariah Yutina, Iwit; B, Idwal; Polindi, Miko
Jurnal Arastirma Vol. 5 No. 2 (2025): JURNAL ARASTIRMA
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jaras.v5i2.49170

Abstract

Tujuan. Tujuan penelitian ini adalah untuk mengetahui aplikasi apa saja yang di terapkan di Perbankan Syariah dalam penerapan Financial Technology dan Untuk mengetahui peran Financial Technology pada Perbankan Syariah. Metode. Pada penelitian ini, peneliti menggunakan penelitian kualitatif yang menggunakan pendekatan kualitatif dengan metode deskriptif, dengan menggunakan teknik pengumpulan data yaitu observasi, wawancara dan dokumentasi. Sedangkan teknik analisis data pada penelitian ini yaitu Data Reiduictiion (Reiduiksii Data), Data Diisplay (Peinyajiian Data), dan Concluisiion Drawiing (Peinariikan keisiimpuilan). Hasil. Hasil penelitian menunjukkan bahwa aplikasi financial technology yang diterapkan di Perbankan Syariah meliputi Mobile Banking (BSI Mobile), Internet Banking, dan Virtual Account. Penggunaan ketiga aplikasi ini memberikan berbagai manfaat bagi nasabah, antara lain kemudahan transaksi keuangan tanpa harus datang ke kantor cabang, transparansi mutasi rekening, akses donasi ZISWAF secara daring, serta fleksibilitas dalam bertransaksi kapan pun dan di mana pun. Selain itu, ditemukan bahwa aplikasi tersebut juga mendukung pelayanan nasabah dalam hal efisiensi waktu, keamanan data transaksi, dan peningkatan loyalitas terhadap layanan perbankan syariah. Implikasi. Aplikasi financial technology yang diterapkan pada Perbankan Syariah, yaitu Mobile Banking, Internet Banking dan Virtual Account. Dan, Peran aplikasi financial technology sangat penting dalam meningkatkan keuangan inklusif pada Bank Syariah. Adanya aplikasi financial technology seperti mobile banking dan internet banking menjadi pengganti lembaga formal dan juga menjadi alat bantu pembayaran. Keuangan inklusif nya juga meningkat seiring penggunaan aplikasi financial technology yang tinggi.
Penerapan Sistem Bonus Pada Perusahaan Dalam Pespektif Ekonomi Islam (Studi Pada Herba Penawar Al-Wahida Indonesia (HPAI) Kota Bengkulu) Wulandari, Fenny Vebry; Setiawan , Romi Adetio; Polindi, Miko
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.8161

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana penerapan sistem bonus pada perusahaan HPAI Kota Bengkulu dalam perspektif ekonomi islam. dan untuk mengetahui apakah penerapan sistem bonus pada perusahaan HPAI Kota Bengkulu sudah sesuai dengan perspektif ekonomi islam. Jenis penelitian ini adalah penelitian lapangan (field research) dengan menggunakan pendekatan kualitatif deskriptif. Pengumpulan data dilakukan dengan teknik observasi, wawancara, dokumentasi dan studi pustaka. Teknik analisis data yang digunakan adalah pengumpulan data, reduksi data, penyajian data, dan penarikan kesimpulan. Data yang digunakan pada penelitian ini : Data Primer dan Data Sekunder. Hasil penelitian ditemukan bahwa (1) Penerapan sistem bonus pada perusahaan HPAI Kota Bengkulu terdapat klasifikasi pemberian bonus kepada setiap anggota sesuai dengan kepangkatan yang ada di Perusahaan HPAI. Bonus ini diberikan dengan persentase dari setiap kepangkatan yang ada di Perusahaan. (2) Penerapan sistem bonus pada perusahaan HPAI Kota Bengkulu dalam perspektif ekonomi islam sudah sesuai dengan konsep yang ada di dalam ekonomi syariah. Hal ini diperkuat dengan adanya keharusan setiap member untuk berusaha sesuai dengan apa yang dilakukan, dengan artian member tidak akan mendapatkan bonus apabila tidak berusaha dalam memasarkan produk HPAI. Maka, pembagian bonus yang diberikan oleh Perusahaan HPAI bukanlah termasuk ke dalam kategori money game. Sebagaimana yang tertuang di dalam poin 12 pada Fatwa DSN MUI Nomor 75/DSNMUI/VII/2009 yakni tidak melakukan kegiatan money game
Analisis Perilaku Konsumtif Pengguna Layanan Buy Now Pay Later dalam Konsep Konsumsi Menurut Muhammad Abdul Mannan Triyana, Triyana; Asnaini, Asnaini; Polindi, Miko
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1605

Abstract

Tujuan penelitian ini adalah untuk menganalisis dan menilai kesesuaian perilaku konsumtif mahasiswa pengguna layanan Buy Now Pay Later dalam konsep konsumsi menurut Muhammad Abdul Mannan. Penelitian ini merupakan penelitian lapangan yang menggunakan metode deskriptif kualitatif, dilakukan sejak Juni 2023 hingga Maret 2024, yang memfokuskan pada 14 mahasiswi dan 1 mahasiswa angkatan 2020, Program Studi Ekonomi Syariah, Universitas Islam Negeri Fatmawati Sukarno Bengkulu sebagai informan utama. Teknik pengumpulan data dilakukan melalui observasi langsung, wawancara mendalam, dan dokumentasi untuk mengumpulkan data yang akurat dan objektif mengenai fenomena di lapangan. Analisis data dilakukan melalui reduksi data, penyajian data, serta penarikan kesimpulan untuk menginterpretasikan data yang diperoleh. Hasil penelitian menunjukkan bahwa dalam penggunaan layanan Buy Now Pay Later oleh mahasiswa memiliki dampak yang ganda. Di satu sisi, layanan Buy Now Pay Later memberikan kemudahan dan fleksibilitas dalam memperoleh barang atau layanan tanpa menunggu ketersediaan dana. Di sisi lain, penggunaan berlebihan layanan ini dapat menjerumuskan mahasiswa ke dalam siklus utang, terutama bagi mereka yang kurang memiliki literasi finansial. Dampak negatif ini diperparah oleh perilaku konsumtif yang didorong oleh gratifikasi instan. Selain itu, perilaku konsumsi mahasiswa tersebut nyatanya seringkali bertentangan dengan prinsip-prinsip konsumsi yang diajarkan oleh Muhammad Abdul Mannan, seperti keadilan, kebersihan, kesederhanaan, kemurahan hati, dan moralitas, yang semuanya menekankan pentingnya keseimbangan, tanggung jawab, dan pertimbangan etis dalam konsumsi.
Pengaruh Religiusitas, Brand Loyalty, Label Halal, Label BPOM dan Harga Terhadap Keputusan Pembelian Produk Kosmetik Wardah Halal Marita Putri; Miti Yarmunida; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29486

Abstract

This study aims to measure the influence of religiosity, brand loyalty, halal label, BPOM label, and price on the purchase decision of Wardah halal cosmetic products. This research is a research study. The data type used is primary data sourced from a questionnaire. The study population consisted of residents of Pagar Dewa Village, with a sample of 97 respondents. The data analysis technique used was multiple linear regression analysis with SPSS 25 software. The results of the study indicate that 1) Religiosity has a significant influence on the purchase decision of Wardah cosmetic products. (2) Brand Loyalty has a significant influence on the purchase decision of Wardah cosmetic products. (3) The Halal Label has a significant influence on the purchase decision of Wardah cosmetic products. (4) The BPOM label significantly influences purchasing decisions for Wardah cosmetic products. (5) Price significantly influences purchasing decisions for Wardah cosmetic products. Religiosity, brand loyalty, the halal label, the BPOM label, and price simultaneously have a positive and significant influence on purchasing decisions for Wardah halal cosmetic products.
PENGARUH RELIGIUSITAS ISLAM, PERSEPSI RISIKO, KONTROL DIRI, KEMUDAHAN PENGGUNAAN, LITERASI KEUANGAN, DAN GAYA HIDUP HEDONISME TERHADAP KEPUTUSAN PENGGUNAAN SHOPEE PAYLATER PADA GENERASI Z DI KOTA BENGKULU Septawati, Diah Restu; Hak, Nurul; Polindi, Miko
MEDIA MANAJEMEN JASA Vol 13, No 2 (2025): MEDIA MANAJEMEN JASA (MMJ)
Publisher : UNIVERSITAS 17 AGUSTUS 1945 jAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52447/mmj.v13i2.9152

Abstract

ABSTRAK Penelitian bertujuan untuk mengukur pengaruh religiusitas, persepsi risiko, kontrol diri, kemudahan penggunaan, literasi keuangan, dan gaya hidup hedonisme terhadap keputusan penggunaan shopee paylater. Jenis penelitian ini berupa penelitian kuantitatif dengan subjek penelitian yaitu Generasi Z yang tinggal di Kota Bengkulu dan telah kuliah. Jenis data menggunakan data primer yang bersumber dari kuisioner. Populasi penelitian ini adalah Generasi Z yang tinggal di Kota Bengkulu dan telah kuliah. Teknik pengambilan sampel yang digunakan adalah purposive sampling atau non-probability sampling, dengan jumlah sampel sebanyak 100 responden. Teknik analisis data yang digunakan adalah analisis regresi linear berganda dengan software SPSS 25. Berdasarkan hasil penelitian, diketahui bahwa religiusitas tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Persepsi risiko juga tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Sementara itu, kontrol diri berpengaruh positif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Faktor kemudahan penggunaan tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Selanjutnya, literasi keuangan berpengaruh negatif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Adapun gaya hidup hedonisme berpengaruh positif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Secara simultan berpengaruh positif dan signifikan antara religiusitas, persepsi risiko, kontrol diri, kemudahan penggunaan, literasi keuangan, dan gaya hidup hedonisme terhadap keputusan penggunaan shopee paylater.Kata Kunci: Religiusitas, Kontrol Diri,  Literasi Keuanga, Gaya Hidup Hedonisme, Keputusan Penggunaan. ABSTRACT This study aims to measure the influence of religiosity, risk perception, self-control, ease of use, financial literacy, and a hedonistic lifestyle on the decision to use Shopee PayLater. This research is quantitative in nature, with the research subjects being Generation Z living in Bengkulu City who are currently attending college. The type of data used is primary data obtained from questionnaires. The population of this study is Generation Z residing in Bengkulu City who are currently enrolled in college. The sampling technique applied is purposive sampling or non-probability sampling, with a total sample of 100 respondents. The data analysis technique used is multiple linear regression analysis with SPSS 25 software. Based on the research findings, it is revealed that religiosity does not have a significant influence on the decision to use Shopee PayLater. Risk perception also does not have a significant influence on the decision to use Shopee PayLater. Meanwhile, self-control has a positive and significant influence on the decision to use Shopee PayLater. The ease of use factor does not have a significant influence on the decision to use Shopee PayLater. Furthermore, financial literacy has a negative and significant influence on the decision to use Shopee PayLater. In addition, a hedonistic lifestyle has a positive and significant influence on the decision to use Shopee PayLater. Simultaneously, religiosity, risk perception, self-control, ease of use, financial literacy, and a hedonistic lifestyle have a positive and significant influence on the decision to use Shopee PayLater.Keywords: Religiosity, Self-Control, Financial Literacy, Hedonistic Lifestyle, Usage Decision.
IMPLEMENTATION OF THE MUSAQAH AGREEMENT IN OIL PALM LAND MANAGEMENT IN KARANG JAYA VILLAGE, MUKOMUKO REGENCY Tasdiq, M.Baqilani; Eka Sri Wahyuni; Miko Polindi
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 9 No. 1 (2026): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jam-ekis.v9i1.9332

Abstract

This study aims to analyze the implementation of musaqah contracts in oil palm plantation management in Karang Jaya Village, Mukomuko Regency. The research used a descriptive qualitative method with data collected through observation, interviews, and documentation. The subjects were landowner and cultivators involved in musaqah cooperation. The results show that musaqah practices in Karang Jaya Village are primarily conducted through oral agreements without written agreements and without a clear time frame. Profit-sharing is generally distributed equally between the two parties. However, several issues arise, such as lack of transparency, and unclear agreements. From an Islamic legal perspective, musaqah contracts are permissible, but improvements are needed in the clarity of contracts, profit distribution, and documentation to align with the principles of Islamic justice
Pengaruh Green Recruitment, Green Development dan Green Employee Relations Terhadap Employee Engagement pada Bank Syariah Nasional (BSN) Kantor Cabang Bengkulu Heni Nurlara; Herlina Yustati; Miko Polindi
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.v11i1.30908

Abstract

This study aims to analyze the influence of Green Recruitment, Green Development, and Green Employee Relations on Employee Engagement at the National Sharia Bank (BSN) Bengkulu Branch Office, while raising the issue of the importance of integrating sustainability values ​​in strengthening employee engagement. The study uses associative research with a quantitative approach. The population in this study were all 39 employees, with a saturated sampling technique so that the entire population was used as a sample. Data were collected through distributing questionnaires using a Likert scale and analyzed using multiple linear regression with the help of SPSS. The results of the study indicate that each variable Green Recruitment, Green Development, and Green Employee Relations partially influences Employee Engagement. Simultaneously, the three variables have a positive and significant effect on Employee Engagement with a significance value of <0.05. The coefficient of determination (R²) value of 0.674 indicates that 67.4% of the variation in Employee Engagement can be explained by the three independent variables, while the rest is influenced by other variables outside the research model. These findings confirm that strengthening sustainability-based Green Human Resource Management practices plays a strategic role in increasing engagement, loyalty, and work enthusiasm of Islamic banking employees.
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 Eka Sri Wahyuni Erpina, Anita Fathur Rohman Fironika Khoirun niswa Fitri Desvaria Fitriani, Putri Diesy Genta Puja Kusuma Heni Nurlara Herlina Yustati Ida Farida Idwal B 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 Nurul Hak 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 Rezky Mehta Setiadi Rika Dwi Yanti Romi Adetio Setiawan Sanawi Sanawi Sandi Febrian Saputra, Rizky Aditya Septawati, Diah Restu Setiawan , Romi Adetio Setiawan, Romi Adetio Susilawati, Nilda Tasdiq, M.Baqilani 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