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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Manajemen Kesatuan Journal of Economic, Business and Engineering (JEBE) JSE: Jurnal Sharia Economica Santri : Jurnal Ekonomi dan Keuangan Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah
Yosy Arisandy
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences

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The Development Of Self-Employed Novice Entrepreneurs In Lampung Province, Indonesia Yosy Arisandy; Ani Mekaniwati; Aang Munawar; Iwan Darmawan; Yose Rizal
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 2 (2025): JIMKES Edisi Maret 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i2.3510

Abstract

The empowerment of novice entrepreneurs is vital for fostering inclusive economic development and addressing structural unemployment in Indonesia. This study evaluates the effectiveness of the Independent Novice Entrepreneur Program (Tenaga Kerja Mandiri Pemula/TKMP) implemented by the Ministry of Manpower in Lampung Province. Using a mixed-methods approach, the research integrates quantitative data from surveys and progress reports with qualitative insights from interviews with mentors and participants. The program’s performance is assessed based on five Key Performance Indicators (KPIs): (1) production of goods/services, (2) implementation of marketing strategies, (3) maintenance of financial cash flow records, (4) acquisition of Business Identification Numbers (NIB), and (5) development of structured business plans. Findings reveal that the program exceeded the 60% achievement target across all KPIs, with the highest performance in product development (94.19%) and marketing strategy (91.60%). However, challenges remain in financial literacy, NIB registration, and long-term business sustainability. This study highlights the importance of continuous mentoring, digital literacy, and academic collaboration to strengthen entrepreneurial ecosystems at the local level. The results offer evidence-based recommendations for improving policy design and implementation of entrepreneurship support programs in developing regions.   Keywords:  novice entrepreneurs, entrepreneurship development, government program, business mentoring, financial literacy, digital marketing, Lampung Province, mixed-methods, policy evaluation, small business empowermen
Internal Migration and Inclusive Economic Growth in Sumatra: An Islamic Economics Perspective Yosy Arisandy; Shahrul Nizam Bin Salahuddin; Yosza Bin Dasril; Fuad Mahfudz; Tri Chamauliddah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v12i1.10720

Abstract

Purpose: Persistent regional inequality in Indonesia, particularly across Sumatra Island, continues to constrain inclusive economic growth and upward social mobility. This study investigates how internal migration functions as a pathway for socioeconomic advancement and reinterprets this process through Islamic economic principles of justice (al-‘adl) and equitable welfare within the framework of maqāṣid al-sharī‘ah.Design/Methodology: This study employs a qualitative approach based on in-depth interviews with 10 purposively selected migrants, supported by relevant literature and official migration statistics. Data were analyzed by identifying recurring patterns in migrant narratives and conducting an interpretive analysis of Islamic ethical-economic sources. Analytical rigor was ensured through source and theoretical triangulation, systematically comparing interview findings wiakth established migration theories and official statistical data.Findings: The study finds that internal migration is experienced as a form of “economic hijrah,” reflecting processes of human capital transformation and improved livelihoods. Domestic remittances emerge as a key mechanism for redistributing economic resources, while migration contributes to the gradual shift toward merit-based social mobility consistent with Islamic egalitarian values.Practical Implications: These findings highlight the importance of inclusive migration policies and underscore the strategic role of Islamic financial institutions in optimizing domestic remittance flows to support sustainable regional development.Originality/Value: This study contributes to the literature by offering an integrated analytical perspective that bridges migration theory and Islamic economics, introducing the concept of “economic hijrah” as a novel framework for understanding migration as both an economic strategy and an ethically grounded process of achieving human dignity
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.
PENGARUH LABEL HALAL, ECO-LABEL, DAN KEPERCAYAAN MEREK TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK LOKAL (STUDI KASUS PADA PRODUK AZZARINE) Dini Nurhidayati; Yosy Arisandy; Rahmat Putra Ahmad Hasibuan
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: 10.46773/0kaf6782

Abstract

This study aims to analyze the influence of halal labels, eco-labels, and brand trust on purchasing decisions for local cosmetic products Azzarine among Generation Z consumers in Bengkulu City. This study uses a quantitative approach with primary data obtained through distributing questionnaires to Generation Z consumers who have used or purchased Azzarine products. The sampling technique used purposive sampling. The collected data were then analyzed using Statistical Package for the Social Sciences (SPSS) version 26 through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficients of determination (R²). The results show that halal labels, eco-labels, and brand trust have a positive and significant effect on purchasing decisions for local cosmetic products Azzarine. In addition, simultaneously, these three variables also have a significant effect on purchasing decisions. The R-Square value of 0.723 indicates that the variables halal labels, eco-labels, and brand trust are able to explain purchasing decisions by 72.3%, while the remaining 27.7% is influenced by other variables outside the study.
PENGARUH PENGETAHUAN PERPAJAKAN, KESADARAN WAJIB PAJAK, DAN KUALITAS PELAYANAN TERHADAP KEPATUHAN WAJIB PAJAK DI KOTA BENGKULU DALAM PERSPEKTIF NILAI EKONOMI ISLAM Juliah Alisah; Yosy Arisandy; Rahmat Putra Ahmad Hasibuan
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/fg4jfa95

Abstract

This study aims to analyze the effect of tax knowledge, taxpayer awareness, and service quality on taxpayer compliance in Bengkulu City from the perspective of Islamic economic values. This study employed a quantitative approach using primary data collected through questionnaires distributed to taxpayers in Bengkulu City. The sampling technique used was purposive sampling, resulting in 170 respondents as the research sample. The research data were analyzed using multiple linear regression with the assistance of SPSS version 26 software to examine the effect of each variable on taxpayer compliance. The findings of this study indicate that tax knowledge, taxpayer awareness, and service quality have a positive and significant effect on taxpayer compliance. In addition, taxpayer awareness is the most dominant variable influencing taxpayer compliance. The coefficient of determination (R²) of 0.746 indicates that tax knowledge, taxpayer awareness, and service quality explain 74.6% of taxpayer compliance, while the remaining 25.4% is influenced by other variables outside the scope of this study. From the perspective of Islamic economic values, taxpayer compliance reflects the implementation of the principles of trustworthiness (amanah), justice ('adl), and public welfare (maslahah) as a form of social responsibility in supporting development and community welfare.
PENGARUH PENDAPATAN DAN KEPERCAYAAN TERHADAP MINAT MEMBAYAR ZAKAT PADA BADAN AMIL ZAKAT NASIONAL (BAZNAS) KABUPATEN KAUR (STUDI PADA ZAKAT MAAL BIDANG PERTANIAN DI DESA PAJAR BULAN) Neni Seftiani; Yosy Arisandy; Katra Pramadeka
HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 13 │ No. 1 │ 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v0i0.28712

Abstract

This research aims to determine the effect of income on interest in paying agricultural zakat, the influence of trust on interest in paying agricultural zakat, the influence of income and trust together on interest in paying agricultural zakat and to find out how much influence income and trust have on interest in paying agricultural zakat at BAZNAS Kaur Regency. This research uses quantitative data methods collected through distributing questionnaires. The technique used in this research was a saturated sample of 25 people who met the criteria, namely muzakki who paid agricultural zakat at BAZNAS Kaur Regency. Hypotheses are formulated or tested using multiple regression analysis. The results of this research show that there is an influence on income and trust on interest in paying agricultural zakat.
DURASI PENGGUNAAN NOMOR TELEPON SELULER SEBAGAI INDIKATOR RISIKO KREDIT: ANALISIS DATA EKSPLORATIF BERBASIS MACHINE LEARNING Yosy Arisandy; Shahrul Nizam Bin Salahudin; Yosza Bin Dasril Bin Dasril
Journal of Economic, Business and Engineering (JEBE) Vol. 7 No. 2 (2026): April
Publisher : Universitas Sains Al Qur'an

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jebe.v7i2.11037

Abstract

Pertumbuhan pesat platform pinjaman digital tanpa agunan di Asia Tenggara menuntut sistem penilaian risiko kredit yang lebih akurat dan inklusif, khususnya bagi peminjam yang belum memiliki riwayat kredit formal. Pemanfaatan data alternatif, termasuk informasi penggunaan telepon seluler, semakin dipertimbangkan dalam pengembangan sistem credit scoring. Namun, kajian khusus yang menilai durasi penggunaan nomor telepon seluler sebagai indikator stabilitas perilaku dalam memprediksi risiko kredit masih terbatas. Penelitian ini bertujuan menganalisis peran durasi penggunaan nomor telepon seluler sebagai prediktor risiko kredit pinjaman tanpa agunan. Studi ini menggunakan data sekunder dari dataset  lending di Kaggle yang mencakup 307.506 debitur di Asia Tenggara dengan 30 variabel terpilih. Analisis dilakukan menggunakan pendekatan Exploratory Data Analysis (EDA) melalui teknik univariat, bivariat, dan multivariat dengan bantuan Python pada platform Google Colaboratory. Hasil analisis menunjukkan bahwa peminjam dengan durasi penggunaan nomor telepon yang lebih pendek dan usia yang lebih muda cenderung memiliki probabilitas gagal bayar lebih tinggi dibandingkan peminjam dengan penggunaan nomor yang lebih lama. Meskipun hubungan linier relatif lemah, variabel ini menunjukkan potensi sebagai indikator stabilitas perilaku ketika dikombinasikan dengan karakteristik demografis dan status pekerjaan. Temuan ini menunjukkan bahwa indikator telekomunikasi sederhana dapat memperkaya pengembangan model credit scoring berbasis machine learning yang lebih inklusif dalam ekosistem keuangan digital.
Pengaruh Penggunaan Fitur Shopee PayLater terhadap Perilaku Konsumtif Mahasiswa FEBI UINFAS Bengkulu dengan Perspektif Ekonomi Syariah sebagai Variabel Mediasi Eko Bintang Prayoga; Yosy Arisandy; Padlim Hanif
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 5 (2026): Oktober: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i5.2767

Abstract

The spread of buy-now-pay-later schemes in Indonesian e-commerce lets young consumers buy goods before they have the cash. Shopee PayLater is among the most widely used of these schemes, and students are a major user group. This study examines whether the use of Shopee PayLater influences consumptive behavior among students of the Faculty of Islamic Economics and Business (FEBI), UIN Fatmawati Sukarno Bengkulu, and whether an Islamic economic perspective, reflected in honesty, justice, trustworthiness, and responsibility, mediates that relationship. A quantitative survey was conducted in 2026. Questionnaires were completed by 94 active students who had used Shopee PayLater at least once, selected through simple random sampling, and the data were analyzed using partial least squares structural equation modeling in SmartPLS 4. The measurement model satisfied the criteria for convergent validity and reliability. The results show that PayLater use has a positive and significant effect on consumptive behavior (β = 0.370; p = 0.029) and on the Islamic economic perspective (β = 0.599; p < 0.001). However, the Islamic economic perspective does not significantly affect consumptive behavior (β = 0.168; p = 0.317), and the indirect effect is not significant (β = 0.101; p = 0.328), so mediation is not supported. PayLater therefore appears to shape consumptive behavior directly rather than through students' Islamic economic orientation. These findings suggest that familiarity with Islamic consumption principles does not automatically translate into restrained spending. Universities and users are encouraged to pair sharia-based education with practical self-control and budgeting skills.
Co-Authors Aang Munawar Ani Mekaniwati Anisa Nurhasanah Dini Nurhidayati Eko Bintang Prayoga Fuad Mahfudz Iwan Darmawan Juliah Alisah Katra Pramadeka Miko Polindi Neni Seftiani Nur Afifah Padlim Hanif Rahmat Putra Ahmad Hasibuan Shahrul Nizam Bin Salahuddin Shahrul Nizam Bin Salahudin Tri Chamauliddah Yetti Afrida Indra Yose Rizal Yosza Bin Dasril Yosza Bin Dasril Bin Dasril