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All Journal Jurnal Aghniya Jurnal Intelek Dan Cendikiawan Nusantara
Ismi Azis
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Economics, Econometrics & Finance Social Sciences Other

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MINAT MASYARAKAT DALAM MENGGUNAKAN PEMBIAYAAN PADA PERBANKAN SYARIAH (Studi Kasus : Rw 02 Nusa Indah Kecamatan Ratu Agung Kota Bengkulu). Orisa Capriyanti; Ismi Azis; Arista khairunnisa; Agnes yolanda; Beta lorena
AGHNIYA: Jurnal Perbankan Syari'ah Vol 3 No 1 (2020): Islamic Economics and Banking Education
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Nahdlatul Ulama Bengkulu

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This study aims to determine community interest and factors that influence community interest in Rw 02 Nusa Indah, Ratu Agung District, Bengkulu City, this study uses a descriptive qualitative method with data collection techniques collected in the form of words, pictures and not numbers by conducting interviews with several  entrepreneurs and communities around Nusa Indah, researchers took 8 respondents, 4 of whom were entrepreneurs in Nusa Indah and 4 were local communities by random sampling.  interested in using financing in Sharia Banking because in Syari'ah Banking it uses the principles of Islamic law, the public in using Islamic banking finance avoids usury and the public already knows information about Islamic banking.  Factors affecting the community In RW 02 Nusa Indah, Ratu Agung District, Bengkulu City, the community has knowledge of Islamic banking, the community has experience in borrowing from Islamic banks, the community has a social structure capable of using Islamic banking financing, and  people get socialization and information about sharia banking. Sharia banking is the right choice for people who want to avoid the sin of usury, for the sake of safety for the afterlife, not a few people who understand religion prefer to do sharia banking transactions.
Optimalisasi Sosial Media Sebagai Sarana Promosi Usaha Agnes Yolanda; Ade Riska Nur Astari; Ernawati; Ismi Azis
AGHNIYA: Jurnal Perbankan Syari'ah Vol 3 No 2 (2020): Islamic Economics and Banking Education
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Nahdlatul Ulama Bengkulu

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E-commerce is a marketing or advertising medium that is very close to the target market. Society now depends on digital communication. This is an opportunity for the perpetrator businesses to make e-commerce a medium to attract consumer attention regarding the products you want to offer. This is the background for doing so Digital Marketing Research Accessories Business Development. Objective This research is to find out in depth about how strategies and digital management by the business actor. Research conducted using qualitative descriptive methods. The research data used is primary data obtained through in-depth interviews with accessories business owners. The results of the research found that the accessories business carried out had experiencing developments in digital marketing, by continuing to strive for implementation from management, leadership and workplace digital skills.
PENGGUNAAN QRIS SEBAGAI ALAT PEMBAYARAN DIGITAL UNTUK MENINGKATKAN USAHA PADA KELOMPOK ZMART REGULER DI KOTA BENGKULU Ismi Azis; Syafri Yanto; Orisa Capriyanti; mardian Suryani
AGHNIYA: Jurnal Perbankan Syari'ah Vol 5 No 2 (2022): Islamic Economics and Banking Education
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Nahdlatul Ulama Bengkulu

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Penelitian ini bertujuan untuk menganalisis penggunaan QRIS (Quick Response Code Indonesian Standard) sebagai alat pembayaran digital dalam meningkatkan usaha pada kelompok Zmart Reguler di Kota Bengkulu. QRIS merupakan sistem pembayaran berbasis kode QR yang dikembangkan oleh Bank Indonesia guna mendorong efisiensi transaksi dan inklusi keuangan digital di kalangan pelaku usaha, termasuk sektor usaha mikro. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus. Data diperoleh melalui wawancara, observasi, dan dokumentasi terhadap pelaku usaha Zmart serta pihak terkait lainnya. Hasil penelitian menunjukkan bahwa penerapan QRIS memberikan berbagai manfaat bagi pelaku usaha, antara lain kemudahan transaksi, pencatatan keuangan yang lebih rapi, serta peningkatan daya tarik usaha terhadap konsumen modern. Selain itu, penggunaan QRIS berkontribusi pada peningkatan omzet dan profesionalisme dalam pengelolaan usaha mikro. Namun demikian, masih terdapat kendala seperti rendahnya literasi digital, keterbatasan infrastruktur internet, dan resistensi terhadap perubahan teknologi. Dengan dukungan pelatihan berkelanjutan dan kolaborasi antara lembaga pemberdaya seperti BAZNAS, pemerintah daerah, dan penyedia layanan keuangan, hambatan-hambatan tersebut dapat diatasi. Penelitian ini menyimpulkan bahwa QRIS merupakan inovasi yang relevan dan potensial dalam mendukung transformasi digital UMKM, khususnya kelompok Zmart, serta mendorong pertumbuhan ekonomi yang inklusif di Kota Bengkulu.
Public Interest in Using Financing in Sharia Banking Orisa Capriyanti; Ismi Azis; Arista Khairunnisa; Agnes Yolanda; Beta lorena
Jurnal Aghniya Vol. 7 No. 1 (2024): Islamic Economics and Banking Education
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Nahdlatul Ulama Bengkulu

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Abstract

Background: This study aims to determine community interest and factors that influence community interest in Rw 02 Nusa Indah, Ratu Agung District, Bengkulu City. Method: this study uses a descriptive qualitative method with data collection techniques collected in the form of words, pictures and not numbers by conducting interviews with several entrepreneurs and communities around Nusa Indah, researchers took 8 respondents, 4 of whom were entrepreneurs in Nusa Indah and 4 were local communities by random sampling. Results: Factors affecting the community in RW 02 Nusa Indah, Ratu Agung District, Bengkulu City, the community has knowledge of Islamic banking, the community has experience in borrowing from Islamic banks, the community has a social structure capable of using Islamic banking financing, and people get socialization and information about sharia banking. Conclusion: Sharia banking is the right choice for people who want to avoid the sin of usury, for the sake of safety for the afterlife, not a few people who understand religion prefer to do sharia banking transactions.
ANALISIS PERSPEKTIF HUKUM PERDATA DALAM MENGHADAPI CYBERBULLYING DI ERA DIGITAL Ratna Dewi; Ismi Azis; Asri Sugiharti; Gomulia Oscar; I Made Rai Natawidnyana; Bambang Eko Supriantono
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 2 (2024): APRIL - MEI 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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Perkembangan teknologi digital telah membawa dampak yang signifikan dalam kehidupan sehari-hari, termasuk dalam bidang hukum. Fenomena cyberbullying menjadi salah satu tantangan yang muncul di era digital ini, memperkenalkan berbagai isu hukum yang kompleks terutama dalam ranah hukum perdata. Studi ini bertujuan untuk menganalisis perspektif hukum perdata dalam menghadapi cyberbullying di era digital. Penelitian ini menggunakan pendekatan analisis hukum normatif dengan menelaah peraturan perundang-undangan, yurisprudensi, dan literatur terkait. Hasil analisis menunjukkan bahwa pengaturan hukum perdata dalam konteks cyberbullying masih menghadapi berbagai tantangan, termasuk masalah identifikasi pelaku, yurisdiksi, tanggung jawab, dan penegakan hukum. Penelitian ini juga mengidentifikasi beberapa potensi solusi hukum untuk meningkatkan perlindungan terhadap korban cyberbullying dan meningkatkan akuntabilitas pelaku. Kesimpulannya, perlindungan hukum yang efektif terhadap korban cyberbullying memerlukan upaya kolaboratif antara legislator, praktisi hukum, platform digital, dan masyarakat umum.
Co-Authors Ade Riska Nur Astari Agnes Yolanda Arista Khairunnisa Asri Sugiharti Bambang Eko Supriantono Beta lorena Ernawati Gomulia Oscar I Made Rai Natawidnyana mardian Suryani Orisa Capriyanti Ratna Dewi syafri yanto