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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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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.
Implementasi Kebijakan Pengelolaan Barang Milik Negara Berdasarkan Prinsip Hukum Islam di UIN Sultan Maulana Hasanuddin Banten Azim, Muhamad Fadli; Tejasunarya, Jaka Laksana; Ardiani, Mila Ayu; Efriyanah, Ernah; taufik, Trisna; Polindi, Miko; Diesy, Putri
Tasyri' : Journal of Islamic Law Vol. 4 No. 1 (2025): Tasyri'
Publisher : STAINI Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53038/tsyr.v4i1.148

Abstract

This study aims to describe in detail the implementation of the State Property Management Policy (BMN) at UIN Sultan Maulana Hasanuddin Banten. The method used in this study is a qualitative descriptive method with data collection techniques through interviews, observations, and documentation related to BMN management. This study uses the policy implementation theory approach proposed by Donald Van Meter and Carl Van Horn, with six indicators as a reference. The results of the study show that the management of BMN at UIN Sultan Maulana Hasanuddin Banten is in accordance with Government Regulation Number 28 of 2020 concerning BMN/Regional Management and is in line with the implementation indicators developed by Van Meter and Van Horn. However, this study suggests that institutions review the Standard Operating Procedures (SOPs) for each type and category of BMN to improve management effectiveness. In addition, in Rector's Decree Number 180 of 2023 which regulates service rates at UIN SMH Banten, rental rates for laboratories, campus vehicles, and several other campus facilities have not been listed.
Pengaruh Indikator Relative Strength Index (RSI) dan Moving Average (MA) terhadap Keputusan Pembelian Saham di Pasar Modal Syariah Kota Bengkulu Leonardo Duarsie Mulya Rasyid; Romi Adetio Setiawan; 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.v11i2.31152

Abstract

Islamic capital markets have developed in various countries, each with unique investment characteristics. In this context, stock investment decisions in Islamic capital markets can be influenced by various factors. The purpose of this study is to determine the effect of applying technical analysis through the relative strength index (X1) and moving average (X2) indicators on stock purchase decisions (Y) in the Islamic capital market in Bengkulu City. To test this, this 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 research results, the relative strength index and moving average indicators as shown by the T-test results, namely the relative strength index t-count value > t-table (5.096 > 1.660), the moving average t-count value > t-table (4.242 > 1.660), based on the research results and discussion, it is stated that the contribution of the relative strength index and moving average indicators simultaneously to stock purchase decisions is 64.3%, the remaining 35.7% is explained by other variables outside the model.
Pengaruh Promosi, Perubahan Harga Emas, dan Digitalisasi Terhadap Keputusan Nasabah Menabung Emas di Bank Syariah Indonesia KCP Adam Malik Kota Bengkulu Aurin Novima Setra; Andang Sunarto; 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.v11i2.31217

Abstract

This study aims to analyze the effects of promotion, gold price fluctuations, and service digitalization on customers’ decisions to invest in gold savings at Bank Syariah Indonesia (BSI) KCP Adam Malik, Bengkulu City. The research employs a quantitative approach using a survey method with 95 respondents selected through purposive sampling. Data were analyzed using multiple linear regression with the assistance of SPSS version 23.The results indicate that promotion, gold price fluctuations, and service digitalization each have a significant effect on customers’ decisions to invest in gold savings, with significance values of 0.000 (< 0.05). Simultaneously, these variables significantly influence customers’ decisions, as evidenced by an F-value of 112.241 and a significance level of 0.000. The coefficient of determination (R²) of 0.787 indicates that 78.7% of the variation in customers’ decisions can be explained by promotion, gold price fluctuations, and service digitalization. These findings confirm that promotion strategies, gold price dynamics, and digital service convenience play an important role in shaping customers’ decisions to invest in gold savings at BSI KCP Adam Malik, Bengkulu City
Benefit and harm of cryptocurrency as the official currency of a state Trisna Taufik Darmawansyah; Miko Polindi; Putri Diesy Fitriani; Yani Aguspriyani; Rezky Mehta Setiadi; Sanawi Sanawi
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-1 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Purpose — The paper highlights two different opinions among scholars regarding the permissibility of cryptocurrency and explores the factors that contribute to these opinions. Additionally, the article discusses the potential risks associated with cryptocurrency, such as the lack of intrinsic value and the potential for use in illegal activities. Overall, the article seeks to provide insights into the Shariah perspective on cryptocurrency and its potential impact on the financial industry.Method — In conducting a SWOT (strengths, weaknesses, opportunities, and threats) analysis on cryptocurrency, the author gathered data from previous studies, literature in English, Indonesian, and Arabic. Then, the data collected through the SWOT analysis was analyzed using the principles of mashlahah and mafsadah and the principles of maqasid al-shariah. The appropriate method for analyzing data in this study is secondary data analysis.Result — Cryptocurrency is an innovation that has never happened before, especially in the financial world. Cryptocurrency brings many benefits but also brings losses, as evidenced by the weakness of the system and external activities. Based on the SWOT analysis, it appears that the losses or mafsadah tend to be more than the mashlahah, meaning that problems and conflicts will arise if cryptocurrency is used as the official currency of a country.Contribution — The paper makes an important academic contribution by using the Islamic concept of Maqashid al-Sharia, specifically the analysis of mashlahah (benefits) and mafsadah (harms), to evaluate the potential use of cryptocurrencies as national currencies.
PENGARUH CUSTOMER VALUE DRIVERS TERHADAP KEPUASAN NASABAH PADA BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU BENGKULU AMPERA MANNA Erpina, Anita; Susilawati, Nilda; Polindi, Miko
Jurnal Tabarru': Islamic Banking and Finance Vol. 9 No. 1 (2026): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2026.vol9(1).27949

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh Customer Value Drivers terhadap kepuasan nasabah pada Bank Syariah Indonesia Kantor Cabang Pembantu Bengkulu Ampera Manna. Jenis penelitian yang digunakan adalah penelitian lapangan (field research) dengan pendekatan kuantitatif asosiatif. Sampel penelitian berjumlah 100 responden yang dipilih menggunakan teknik non-probability sampling melalui metode accidental sampling. Hasil penelitian menunjukkan bahwa Customer Value Drivers berpengaruh signifikan terhadap kepuasan nasabah, dibuktikan dengan nilai T hitung>T tabel (72,314 > 1,984) dan nilai signifikansi < 0,001 < 0,05. Selain itu, hasil uji koefisien determinasi (R²) sebesar 0,982 menunjukkan bahwa variabel Customer Value Drivers mampu menjelaskan pengaruh terhadap kepuasan nasabah sebesar 98,2%, sedangkan sisanya sebesar 1,8% dipengaruhi oleh faktor lain di luar penelitian. Secara keseluruhan, hasil penelitian menunjukkan bahwa semakin baik nilai yang dirasakan nasabah, maka semakin tinggi tingkat kepuasan nasabah pada Bank Syariah Indonesia KCP Bengkulu Ampera Manna.
ANALISIS IMPLEMENTASI HALAL VALUE CHAIN PADA UMKM MAKANAN HALAL DI KAWASAN BERENDO KOTA BENGKULU Indri Apriliani; Yosi Arisandi; Miko Polindi
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/7htnk377

Abstract

The purpose of this study is to explore the potential and challenges associated with the implementation of the Halal Value Chain in halal food MSMEs in Bengkulu City's Berendo Area. Although the Halal Value Chain (HVC) has not yet been fully established, the Berendo Area was chosen because it has been designated as a Halal, Safe, and Healthy Culinary Zone (Zona KHAS). This study employed a descriptive qualitative technique and field research methodology. In-depth interviews, observation, and documentation were used to gather data. Purposive sampling was used to select five MSMEs and five customers as informants. Data reduction, data presentation, and conclusion drafting were used in the data analysis process. The findings demonstrate that while all MSMEs have received halal certification, the HVC's implementation is subpar. Weaknesses in the input stage, production process, and processing and service aspects have an impact on the compliance rate, which is around 75%. The region's backing as a halal hub, growing consumer confidence, and the possibility of halal culinary tourism make the implementation of HVC extremely promising. Low halal literacy, a lack of comprehension among MSMEs, business competition, and problems with parking and guest comfort are some of the obstacles.
Pengaruh Transformasi Digital Terhadap Perilaku Nasabah dalam Penggunaan Fitur Paperless Onboarding : pada Nasabah Bank Syariah Indonesia KCP Panorama Bengkulu Anisa Nurhasanah; Yosy Arisandy; Miko Polindi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.11571

Abstract

This study aims to determine the effect of digital transformation on customer behavior in using the paperless onboarding feature at Bank Syariah Indonesia (BSI) Panorama Branch, Bengkulu. The method used was a quantitative questionnaire, with 94 respondents who were BSI Mobile application users. Data analysis used SPSS with a simple linear regression test. The results showed that digital transformation significantly influenced consumer behavior, with a significance value of 0.000 (<0.05) and a coefficient of determination (R Square) of 0.700. This indicates that 70% of consumer behavior factors are influenced by digital transformation, while 30% are influenced by factors outside the study.
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