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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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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 2 (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 2 (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.
Analisis Kelayakan Usaha Mikro Syariah sebagai Instrumen Pemberdayaan UMKM: Studi pada UMKM Kuliner Malam di Betungan Kota Bengkulu Alda Julianti; Yosy Arisandy; Miko Polindi
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 4 No. 2 (2026): April: JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

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

Abstract

This study aims to analyze the success factors of sharia micro-enterprises, understand the perspectives of MSMEs on sharia-based empowerment, and assess the feasibility of sharia micro-enterprises among night culinary MSMEs in Betungan, Bengkulu City. The method used is descriptive qualitative, with data collection techniques conducted through observation, in-depth interviews, and documentation to ensure data validity and richness. The informant selection technique in this study used purposive sampling, which is a method of selecting samples based on specific considerations aligned with the research objectives and relevance to the study context. The results show that business success is influenced by several factors, including the length of business operation, level of income, strategic location, and the consistent application of sharia values in business practices. Furthermore, sharia micro-enterprises are considered quite feasible to run because they have fulfilled halal principles and demonstrated the ability to generate sustainable profits, although challenges remain, particularly in terms of legal compliance and the limited scope of empowerment support programs available.
Pemberdayaan UMKM Emping Melinjo Berbasis Masjid dalam Meningkatkan Ekonomi Lokal RW 01 Kelurahan Kandang Kota Bengkulu Fathur Rohman; Ninda Ayu Permata Sari; Rika Dwi Yanti; Miko Polindi
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 4 (2026): Juli
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i4.1295

Abstract

Program pemberdayaan UMKM olahan melinjo (emping melinjo) di RW 01 Kelurahan Kandang, Kota Bengkulu, mengintegrasikan prinsip syariah 5C (Character, Capacity, Capital, Condition, Collateral) untuk ekonomi lokal berkelanjutan. Pendekatan Project Basic Learning (PjBL) melatih ibu rumah tangga melalui siklus pengolahan melinjo dari bahan mentah hingga produk siap jual, menumbuhkan wirausaha mandiri berbasis nilai Islam: kejujuran, kemampuan, modal halal, analisis pasar, dan jaminan transparan.Masjid di lingkungan setempat menjadi pusat pembelajaran dan distribusi, dengan penguatan pemasaran digital via grup WhatsApp, Instagram, serta platform online seperti Shopee dan Tokopedia (branding "Emping Melinjo Bengkulu Halal"). Mitra utama: (1) pengurus wilayah setempat (RW); (2) masjid di lingkungan setempat; (3) UMKM Olahan Melinjo RW 01 sebagai pelaku lokal. Hasil: produksi meningkat, penjualan perdana melebihi target, atasi fluktuasi bahan baku.Program ini memberdayakan perempuan, kurangi kemiskinan, dan kuatkan ekonomi umat sesuai agenda UMKM syariah nasional. Rencana lanjut: kolaborasi Dinas Koperasi untuk sertifikasi halal dan ekspansi digital. Model ini replikabel untuk RW Bengkulu lainnya, posisikan masjid sebagai penggerak ekonomi kerakyatan syariah.
Peran Mahasiswa KKN Dalam Edukasi Sertifikasi Halal untuk Meningkatkan Nilai Jual UMKM Kopi Bubuk Tasti Dwi Wulandari Auliatul Badri; Jelita Hendika Gultom; Achmad Kaka Ariel Fachrozi; Pesi Elmansa; Miko Polindi
Center of Knowledge : Jurnal Pendidikan Dan Pengabdian Masyarakat Volume 6 Nomor 1 Februari 2026 | IN PRESS
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/cok.v6i1.3492

Abstract

Penelitian ini bertujuan untuk menganalisis peran mahasiswa yang mengikuti Program Pengabdian kepada Masyarakat (Kuliah Kerja Nyata/KKN) dalam memberikan edukasi sertifikasi halal guna meningkatkan nilai jual produk pada UMKM Kopi Bubuk Tasti. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi yang melibatkan pelaku UMKM serta mahasiswa KKN yang terlibat dalam program pendampingan. Hasil penelitian menunjukkan bahwa sebelum adanya edukasi halal, UMKM Kopi Bubuk Tasti menghadapi beberapa kendala, antara lain keterbatasan kepatuhan legal, rendahnya pemahaman mengenai sertifikasi halal, serta terbatasnya akses pasar. Kondisi ini berdampak pada rendahnya daya saing produk di pasar yang lebih luas. Pelaksanaan edukasi halal oleh mahasiswa KKN secara signifikan meningkatkan pemahaman pemilik usaha mengenai pentingnya sertifikasi halal, prosedur pendaftaran, serta kesiapan dalam menyiapkan dokumen yang diperlukan seperti Nomor Induk Berusaha (NIB). Selain itu, proses pendampingan juga membantu pelaku usaha dalam memperbaiki manajemen produksi agar sesuai dengan standar halal yang berlaku. Lebih lanjut, kegiatan ini berkontribusi dalam meningkatkan kepercayaan konsumen, memperluas jaringan pemasaran, serta membuka peluang akses ke pasar yang lebih luas, baik lokal maupun nasional. Dengan demikian, mahasiswa KKN memiliki peran penting tidak hanya sebagai fasilitator edukasi, tetapi juga sebagai pendamping dalam meningkatkan kualitas produk dan daya saing UMKM secara berkelanjutan.
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