Article Per Year (5 Year)
p-Index From 2021 - 2026
1.084
P-Index
This Author published in this journals
All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Artificial Intelligence and Digital Business
Yosy Arisandi
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Social Sciences

Published : 7 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 7 Documents
Search

 1 
Implementasi Strategi Bersaing BPRS Fadhilah dalam Meningkatkan Jumlah Nasabah Produk Tabungan Wadi’ah Menggunakan Porter Five Forces dan SWOT Analisis Tiwi Suvia; Yosy Arisandi; Katra Pramadeka
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.v11i2.31151

Abstract

The purpose of this study is to examine the implementation of competitive strategies of BPRS Fadhilah Bengkulu in increasing the number of customers of the wadi’ah savings product and to analyze the competitive environment using the Porter Five Forces approach and SWOT analysis. This research employs a descriptive qualitative approach with a field research method. The results show that the competitive strategy implemented by BPRS Fadhilah Bengkulu is carried out through improving service quality, implementing pick-up service, and offering savings products with affordable initial deposits and no monthly administrative fees. Based on the Porter Five Forces analysis, competition among Islamic financial institutions offering similar savings products is relatively intense. The threat of new entrants mainly comes from technology-based financial institutions; however, BPRS Fadhilah responds by prioritizing excellent service and direct interaction with customers. The bargaining power of customers in obtaining high-quality services encourages the bank to improve service quality and accessibility. The threat of substitute products comes from digital financial services, while the role of third parties (shareholders) supports the operational stability of the bank through financial support. Meanwhile, the SWOT analysis indicates that strengths lie in service convenience and the application of Islamic principles, weaknesses are related to limited facilities and public understanding, opportunities arise from payroll cooperation and promotion through social media, while threats come from increasing competition among financial institutions and the development of banking technology.
Peran dan Kompetensi Muthawif pada Kepuasan Layanan Jamaah Umrah pada PT. Amanah Safari Internasional (Asafi) Tour Bengkulu Hellannisa Alfidah; Yosy Arisandi; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31796

Abstract

This study aims to analyze the role and competence of muthawif in relation to the satisfaction of Umrah pilgrims’ services at PT. Amanah Safari Internasional (ASAFI) Tour Bengkulu. The focus of this study includespilgrims’ experiences related to the role of the muthawif during theimplementation of Umrah,pilgrims’ perceptions of the muthawif competence, and the influence of these roles and competencies on pilgrims’ satisfaction, both emptionally and spiritually. This study employs a qualitative approach with a descriptive method. Data collection techniques include interviews, observation, and documentation. The results of the study indicate that, in general, pilgrims have a positive impression of the role of the muthawif. The muthawif is considered capable of providing clear, structured, and easily understood guidance in worship, as well as assisting pilgrims throughout the Umrah rituals in the Holy Land.In addition, the competence of the muhawif is considered good, as reflected in their mastery of Umrah materials, effective communication skills, and ability to handle various characteristics of pilgrims.The roles and competencies have been proven to significantly contribute to the level of pilgrims’ satisfaction, both in terms of service quality and the spiritual experience gained during the Umrah pilgrimage.
Pengaruh Reward dan Punishment Terhadap Kinerja Karyawan Muslim dalam Persepektif Bisnis Islam (Studi PT. Honda Bintang Motor Gading Cempaka Kota Bengkulu) Aji Dwiansyah; Yosy Arisandi; Evan Stiawan
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.v11i1.30389

Abstract

This research aims to analyze the effect of providing rewards and punishment on the performance of Muslim employees from an Islamic business perspective at PT. Honda Bintang Motor Gading Cempaka Bengkulu City. Employee performance is an important factor in the company's success, so an effective human resource management strategy is needed, one of which is through implementing a reward and punishment system that is in accordance with the principles of justice and Islamic ethics. This research uses a quantitative approach with a quantitative descriptive research type. Data was obtained by distributing questionnaires to 30 employees as respondents using a purposive sampling technique. Data analysis was carried out using multiple linear regression with the help of the IBM SPSS version 25 program. The research results showed that partially rewards had a positive and significant effect on employee performance, as did punishment which also had a positive and significant effect on employee performance. Simultaneously, reward and punishment have a significant effect on the performance of Muslim employees. The coefficient of determination value shows that reward and punishment are able to explain 65% of the variation in employee performance, while the remainder is influenced by other factors outside the research model. These findings show that implementing rewards and punishment that are fair, proportional and in accordance with Islamic business values ​​can improve employee performance optimally.
Analisis Strategi Pemasaran 4P (Product, Price, Place, and Promotion) Terhadap Pencapaian Target Seat Keberangkatan Umroh: Pendekatan SWOT Pada PT Berkah Utama Travel Bengkulu Adelia Amanda; Yosy Arisandi; Kustin Hartini
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.v11i1.30783

Abstract

This study aims to analyze the 4P marketing strategy (product, price, place, promotion) towards achieving the target of Umrah departure seats: the SWOT approach at PT. Berkah Utama Tour & Travel Bengkulu. This type of research is field research uses a qualitative approach. Data analysis techniques use SWOT analysis. Data were collected through interviews, observations, and documentation. The results of the study indicate that the strategy used by PT. Berkah Utama Tour & Travel Bengkulu is quite effective in achieving the target of Umrah departure seats. Products with various choices, competitive prices, strategic locations, and online and offline promotions. The results of the internal factors SWOT analysis of PT. Berkah Utama Tour & Travel Bengkulu possesses several strengths, including legality, the KSA team, an extensive branch network, and ownership by six partners. and a 13-day flagship package. However, there are weaknesses in price perception and the package options. External factors of opportunity have good relationships with pilgrims, and it is one of the companies that is quite developed. Threats faced include the pilgrims' congregation still lacking knowledge regarding key factors to consider when choosing a travel agency, as well as intense competition among Umrah travel agencies.
Analisis Strategi Pelayanan Jamaah Haji dan Umrah dalam Membangun Reputasi PT. Anugerah Quba Mandiri Bagus Piansyah; Yosy Arisandi; Khozin Zaki
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.v11i1.31089

Abstract

This study aims to analyze the service strategy for Hajj and Umrah pilgrims, service quality, and reputation-building efforts of PT. Anugerah Quba Mandiri as a Hajj and Umrah travel agency. The research employed a qualitative approach using field research methods. Data were collected through in-depth interviews, observations, and documentation involving managers, supervisors, customer service staff, and Umrah pilgrims. Data analysis was conducted using an interactive analysis model consisting of data reduction, data display, and conclusion drawing. The findings indicate that PT. Anugerah Quba Mandiri implements a systematic service strategy, starting from service planning at the registration stage, transparent package information, well-planned departure schedules, and continuous evaluation through communication with pilgrims. The service quality meets the SERVQUAL dimensions, including tangibles, reliability, responsiveness, assurance, and empathy, contributing to pilgrim satisfaction and comfort. Reputation building is achieved through regulatory compliance, professional service delivery, consistency between promises and service realization, and the implementation of sustainable social responsibility programs. These results demonstrate that the integration of service strategy and service quality plays a crucial role in building and maintaining corporate reputation in a sustainable manner.
Strategi dan Dinamika Pelaksanaan Bimbingan Manasik Umrah dalam Meningkatkan Kesiapan Jamaah (Studi Kasus pada PT Wafdullah Tamu Mulia Cabang Bengkulu) Sri Wahyu Ningsih; Yosy Arisandi; Evan Stiawan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31508

Abstract

The implementation of Umrah manasik guidance at PT Wafdullah Tamu Mulia Bengkulu Branch applies various strategies to prepare pilgrims, including systematic delivery of materials, practical simulations, personal approaches, the use of learning media, as well as mental and spiritual development. These methods aim to enhance the pilgrims’ understanding and readiness in performing the Umrah rituals. However, the instructors face several challenges related to the diverse backgrounds of the pilgrims, such as differences in educational levels, age, religious knowledge, and limited guidance time. These challenges require adjustments in teaching methods to effectively meet the needs of each pilgrim.
Analsis Kelayakan Usaha Mikro Pabrik Tahu dalam Perspektif Ekonomi Syariah (Studi Kasus di Desa Pematang Bango) Edwin Ramadhan; Yosy Arisandi; Syaifuddin Syaifuddin
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.12650

Abstract

Penelitian ini bertujuan menganalisis kelayakan usaha mikro pabrik tahu di Desa Pematang Bango serta menilai kesesuaiannya dengan prinsip ekonomi syariah. Penelitian menggunakan pendekatan kualitatif deskriptif dengan informan yang terdiri atas pemilik usaha, karyawan, dan masyarakat sekitar. Data dikumpulkan melalui wawancara mendalam, observasi lapangan, dan dokumentasi, kemudian dianalisis melalui tahap reduksi data, penyajian data, serta penarikan kesimpulan. Penilaian kelayakan mencakup aspek pemasaran, teknis dan produksi, manajemen dan sumber daya manusia, hukum, sosial, lingkungan, dan finansial. Hasil penelitian menunjukkan bahwa usaha pabrik tahu layak dijalankan dan dikembangkan. Permintaan produk relatif stabil, target pasar telah terbentuk, bahan baku tersedia, dan proses produksi berjalan rutin. Pengelolaan tenaga kerja berlangsung cukup efektif, sedangkan kepemilikan Nomor Induk Berusaha, perizinan berusaha berbasis risiko, dan sertifikat halal memperkuat aspek hukum. Usaha juga memberikan manfaat sosial melalui penciptaan lapangan kerja dan peningkatan aktivitas ekonomi masyarakat, serta memiliki kondisi finansial yang mampu menutup biaya operasional dan menghasilkan keuntungan. Namun, aspek lingkungan masih memerlukan perbaikan, terutama dalam pengelolaan limbah cair, meskipun limbah padat telah dimanfaatkan sebagai pakan ternak. Dalam perspektif ekonomi syariah, usaha dinilai sesuai karena menggunakan bahan halal, menerapkan kejujuran dan keadilan dalam transaksi, menggunakan modal pribadi tanpa riba, serta memberikan kemaslahatan bagi masyarakat. Dengan demikian, usaha mikro pabrik tahu tersebut layak secara ekonomi dan selaras dengan prinsip ekonomi Islam.
Co-Authors Adelia Amanda Aji Dwiansyah Bagus Piansyah Edwin Ramadhan Evan Stiawan Hellannisa Alfidah Katra Pramadeka Khozin Zaki Kustin Hartini Makmur Sri Wahyu Ningsih Syaifuddin Syaifuddin Tiwi Suvia