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Rojai Zhofir
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Sharia Economic and Management Business Journal (SEMBJ)
Published by Yayasan Darussalam Bengkulu
ISSN : 27742679     EISSN : 27742679     DOI : https://doi.org/10.62159/sembj.vxxx
Core Subject : Religion, Economy, Science, Education, Agriculture,
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other
SEMB-J, sharia economic and management business journal is peer-reviewed journal published by Yayasan Darussalam Bengkulu. SEMB-J focus on the research of sharia economic and management business. The aim of this journal is to explore and develop economic management related to islamic and business. The focus of this journal is an effort to publish scientific works related to thoughts or studies in the field of sharia accounting and banking as well as actualizing and adding to the treasures of a better understanding of sharia accounting and banking through publishing articles and research reports. SEMB-J Journal of Sharia Economic and Management Business accepts original works which are the results of research, including: Accountancy; Sharia Accounting; Banking; Sharia Banking; Sharia Banking Information Systems; Sharia Banking Audit; Sharia Banking; Management; Sharia Banking Liquidity Management; Sharia Banking Ethics; Marketing Management of Sharia Banking; Finance; Sharia Finance; Cash Waqf;
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 94 Documents
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Konsep The concept of BMT from the perspective of QS Al-Baqarah verse 188 Anisa Gustriani; Gustiya Sunarti
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 1 (2025): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i1.1585

Abstract

This research aims to understand the concept of BMT (Baitul Maal wa Tamwil) from the perspective of Q.S. Al-Baqarah verse 188. This verse prohibits the acquisition of another's wealth unjustly or through unfair legal means. This research uses a qualitative approach with a hermeneutic method to interpret the verse's meaning and apply it to BMT practices.
Analysis of the Effect of Work Ethic and Assistance on Mustahik Welfare in the Productive Zakat Program at Bengkulu Province Baznas Novaldi Arya Pratama
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 2 (2025): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i2.1745

Abstract

Economic development aims to improve the standard of living and welfare of its community. The welfare of mustahik is when an individual or group of zakat recipients (mustahik) can achieve a standard of living better than before. This research aims to determine whether work ethic influences the welfare of mustahik, to find out whether mentorship impacts the welfare of mustahik, to analyze how work ethic and mentorship together influence the welfare of mustahik in productive zakat programs, to identify the most dominant factors affecting the welfare of mustahik in productive zakat programs, and to understand the extent of the influence of work ethic and mentorship on the welfare of mustahik in productive zakat programs. This research employs a quantitative research method, utilizing the Partial Least Square (PLS) technique, specifically Outer Loading Test and Inner Loading Test. The sample in this study consisted of 30 beneficiaries, and the data collection method used a questionnaire. The results of this study found that: First, work ethic has a direct impact on the well-being of beneficiaries. Second, mentoring does not have an impact on the well-being of beneficiaries. Third, work ethic (X1) and mentoring (X2) do not influence the well-being of beneficiaries (Y). Fourth, business mentoring does not have a significant impact on the well-being of beneficiaries, but work ethic does provide a significant impact. Fifth, a high work ethic is an important component in improving the well-being of beneficiaries. However, some types of mentoring do not have a significant impact on the well-being of beneficiaries. The estimated influence of work ethic is around 35%, while for mentoring it is < 5%, and the remaining 60% is influenced by variables outside the study
Perceptions of Non-Muslim Chinese Ethnic Communities towards Islamic Banking (Study of the Chinese Village Community in Bengkulu City) Faishal Rifqi Maycelino
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 2 (2025): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i2.1747

Abstract

Abstract. This study aims to determine the perception of non-Muslim Chinese ethnic communities towards Islamic banking, especially the community in Kampung Cina, Bengkulu City. The method used is a descriptive qualitative approach with in-depth interview techniques with ten informants. The results of the study indicate that the majority of the community is aware of the existence of Islamic banking and understand that the service is open to all groups. However, their level of understanding of the principles and systems of Islamic banking is still low. This low level of understanding is caused by minimal socialization and limited facilities and services. In addition, most people feel that their financial needs have been met by conventional banks. This study recommends increasing socialization and expanding services to increase the inclusiveness of Islamic banking
The introduction of islamic sharia bonds on an investment instruments (Increasing the capacity of devotion to the community) Evan Stiawan; Faisal Muttaqin
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 2 (2025): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i2.1750

Abstract

The growth of Sukuk in Indonesia is still quite low compared to other countries with a majority Muslim population. It is still urgent for the academy to analyze the growth of sukuk in regions in Indonesia and to find out what strategies are for developing sukuk in the future. Meanwhile, the development of sharia investment in Bengkulu province in 2019 has increasingly shown its development. The main source of income for the people of Kaur Regency comes from coffee, palm oil, rubber, and rice field plantations. The investments that have been made so far are only investments in deposits, house purchases, and plantation land. Meanwhile, investment through sukuk is still unfamiliar among the people of Kaur Regency. The objectives to be achieved from the introduction of this sukuk are to find out how the people of Bengkulu City understand the sukuk instruments in the sharia capital market. To analyze whether sukuk instruments can act as an investment vehicle that can help the government build the country, especially Bengkulu province. The research approach used in this study is the PAR method or Participatory Action Research. Participatory Action Research is a research model that seeks something to connect the research process to the process of social change. The purpose of the sharia investment teaching program or State Sharia Securities in Rural Communities is that the Indonesian people will benefit from sukuk issued by the Indonesian government, produce reference materials for teaching materials, as a means to redevelop investment with sukuk instruments as a means to build the country and as input and consideration for the government in developing sharia investment in sukuk instruments in communities in the regions
The Influence Of Knowledge, Benefits, And Security On The Decision Of Islamic Banking Students Uinfas Bengkulu To Use M-Banking Bank Syariah Indonesia Eka, Eka Sri Wahyuni; Sofi, Sofi Silvira; Rahmat, Rahmat Putra Ahmad Hasibuan
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 2 (2025): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i2.1751

Abstract

The purpose of this study was to determine the effect of knowledge, benefits, and security on the decision of Uinfas Bengkulu Islamic Banking Students to use Bank Syariah Indonesia M-Banking. The research method used is quantitative with primary data collection techniques in the form of questionnaires distributed to 84 respondents. The data analysis technique was carried out using the Partial Least Square (PLS) method with the help of the SmartPLS 4.1.1.2 application. The results showed that simultaneously, based on the bootstrapping results and the coefficient of determination (R²) value, it can be concluded that the independent variables in the model as a whole have a significant influence on the dependent variable. Two of the independent variables make a significant contribution, while one other variable has no significant effect. With an R² value of 0.657, the model is able to explain 65.7% of the variation in the dependent variable, so this model is good enough and feasible to proceed to the partial testing stage and further analysis. The knowledge variable partially has a positive and significant effect on the decision of UINFAS Bengkulu Islamic Banking students to use Bank Syariah Indonesia m-banking. This is indicated by the tcount value of 2.126> from the t table of 1.96, it can be concluded that there is an influence between the knowledge variable on the decision of UINFAS Bengkulu Islamic Banking students to use Bank Syariah Indonesia m-banking, which is proven significant. The benefit variable partially has no effect on the decision of UINFAS Bengkulu Islamic Banking students to use Bank Syariah Indonesia m-banking. This is indicated by the tcount value of 1.920 < from the t table of 1.96, it can be concluded that there is no influence between the benefit variable on the decision of Islamic Banking students to use Bank Syariah Indonesia m-banking, which is proven to be insignificant. The security variable partially has a positive and significant effect on the decision of Islamic Banking students at UINFAS Bengkulu to use Bank Syariah Indonesia m-banking. This is indicated by the tcount value of 3.633> from the t table of 1.96, it can be concluded that there is an influence between the security variable on the decision of Islamic Banking students to use Bank Syariah Indonesia m-banking which is proven to be significant.
Analysis of Digital Consumerism Based on Cultural, Economic, and Social Aspects in the Islamic Economic Framework Herlina Yustati; Shahrul Nizam Bin Salahudin
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.1890

Abstract

Background: The advancement of digital technology has significantly changed people's consumption behavior, especially among Generation Z Muslims. However, studies that specifically measure digital consumerism within the framework of Islamic economics are still limited. This study aims to analyze digital consumerism based on cultural, economic, and social aspects, as well as develop a valid and reliable measurement instrument in accordance with Islamic values. Method: The method used is descriptive quantitative with a Likert scale questionnaire instrument consisting of 13 statement items. The instrument was tested on 30 Muslim generation Z respondents in Bengkulu Province through three validity and reliability tests using Minitab software. Results: The results showed that most statement items had correlation coefficients above 0.5 and a Cronbach's Alpha value above 0.94, signifying excellent internal consistency and reliability. The results of validity and reliability tests conducted three times using Minitab showed that out of 13 items, there were 8 items that were declared valid and reliable with a correlation value > 0.5 and Cronbach's Alpha above 0.94. Conclusion: This instrument is expected to be a reference for further research in measuring Islamic consumerism and as a basis for developing consumption education strategies that are in accordance with sharia principles in the digital era.
The Invisible Mustahik: Exploring Social Exclusion and Barriers to Zakat Access for Prostitutes in Yogyakarta's Digital Space Haq, Furqonul; Salsabila, Athira
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 3 (2025): October
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i3.1891

Abstract

This study aims to analyze the social exclusion of 11 digital prostitutes in Yogyakarta as "Invisible Mustahik" through the theoretical framework of social exclusion by Amartya Sen and Hilary Silver. This research is significant in filling the gap in the literature on Islamic philanthropy for stigmatized groups, by examining how administrative barriers and moral stigma hinder their access to zakat. This qualitative research used a netnographic design in the digital space MiChat Yogyakarta, involving 11 prostitutes selected through purposive sampling for primary data collection. The data were then analyzed thematically using an analysis similar to ATLAS.ti software to examine the correlation between administrative barriers, moral stigma, and typologies of social exclusion. This research identifies six typologies of "Invisible Mustahik," characterized by vulnerability driven by a lack of local identity and social stigma. These barriers significantly restrict 11 sex workers' access to the zakat system, thereby depriving them of their capabilities as asnaf. This study recommends that zakat institutions relax domicile administrative requirements and develop anonymous and stigma-free digital outreach protocols. These findings are crucial for policymakers transforming the Islamic philanthropy system to be more inclusive of hidden populations in the digital space. This research makes a unique contribution by introducing the concept of "Invisible Mustahik" to the hidden population in the MiChat app, a niche rarely explored in Islamic philanthropy literature. Its novelty lies in the synthesis of Sen's Capability Theory and Silver's Exclusion Paradigm to reconstruct the asnaf criteria to be more inclusive of marginalized groups in the digital space.
Branding of Halal Accommodation in Supporting Sharia Tourism Reni Ria Armayani Hasibuan; Azhari Akmal Tarigan; Chuzaimah Batubara; Nurhayati Nurhayati
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.1898

Abstract

Background: The global Muslim population reached 26% in 2020 and is projected to reach 34% by 2070, driving significant demand for halal tourism. Indonesia, as the country with the largest Muslim population, possesses enormous potential for Sharia tourism development, yet faces challenges including unclear regulations, limited facilities, and low public awareness of halal certification. In Aceh, only two out of 84 accommodation units have obtained halal certification despite many claiming to operate on Sharia principles. Method: This study employed a quantitative approach with explanatory and correlational research design. A sample of 600 respondents was selected using simple random sampling from star-rated hotels in Banda Aceh. Data were collected through closed questionnaires with a 1-5 Likert scale. Data analysis utilized Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) using SmartPLS 4.0 software. Results: The results indicate that all branding variables—Brand Salience, Brand Meaning, Brand Response, Brand Resonance—and the Role of Government have significant positive influences on Sharia tourism development (p-value < 0.05). Brand Resonance demonstrated the strongest influence (path coefficient 0.321), followed by the Role of Government (0.289). The model showed good goodness of fit with SRMR 0.035 and NFI 0.926. Conclusion: The conclusion emphasizes that strong halal accommodation branding and government support through regulation and oversight are essential keys to positioning Aceh as a leading destination in the global halal tourism industry.
The Influence of Capital, Education, and Motivation of Female Fisherwomen on the Development of Fisheries Entrepreneurship in Manado City Sandra Ingried Asaloei; Welson Yappi Rompas; Juliana W. Tumiwa
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.1917

Abstract

Background: Female fisherwomen in coastal Indonesia play a key role in post-harvest fisheries activities, yet their entrepreneurship development remains constrained by limited capital access, inadequate education, and motivational barriers. Objective: This study examines the influence of capital access, educational level, and entrepreneurial motivation on fisheries entrepreneurship development among female fisherwomen in Manado City, using an Islamic entrepreneurship framework. Method: A quantitative survey design was employed with 120 respondents selected through purposive sampling across four coastal sub-districts of Manado. Multiple linear regression was used to test four hypotheses. Results: Capital access (β = 0.312, p < 0.01), educational level (β = 0.287, p < 0.01), and entrepreneurial motivation (β = 0.341, p < 0.01) each significantly and positively influence fisheries entrepreneurship development, with the model explaining 60.8% of variance (Adj. R² = 0.608). Entrepreneurial motivation is the strongest predictor. Conclusion: Integrating Islamic microfinance instruments (qard hasan, mudharabah) alongside gender-responsive entrepreneurship education and productive waqf mechanisms can meaningfully strengthen women's fisheries entrepreneurship in coastal Indonesia.
Agribusiness Development Model in Sharia-Based Socio-Economic Planning for Community Welfare in Pakarhumbada Regency Tamba, Muller; Batubara, Chuzaimah; Harahap, Isnaini
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 3 (2025): October
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i3.1939

Abstract

Background: The agricultural sector, particularly in rural areas like Pakarhumbada in North Sumatra, plays a crucial role in Indonesia's economy. However, despite its potential, the sector faces significant challenges, including low farmer welfare, weak infrastructure, and limited access to modern agricultural practices. This research aims to analyze the development model of agribusiness in Pakarhumbada based on Islamic economics, specifically integrating the principles of maqāṣid al-syarī‘ah to improve farmer welfare. Method: The study employs a qualitative approach combined with path analysis to explore the impact of production inputs, agricultural practices, market systems, and supporting factors on both the implementation of Islamic economics and the welfare of farmers. Results: The novelty of this research lies in the application of Islamic economic principles, including musyarakah, mudharabah, and wakaf within an agribusiness context, addressing the structural challenges that have hindered optimal agricultural growth. The study's findings indicate that enhancing the agricultural sector's value chain, improving farmer access to finance, and incorporating local Islamic economic practices can significantly improve economic stability for farmers. The future impact of these findings could reshape agribusiness practices in rural Indonesia, creating a more inclusive and sustainable economic environment for smallholder farmers Conclusion: The implications of this research suggest that for the agribusiness sector to thrive in regions like Pakarhumbada, policies must incorporate a more holistic approach that integrates Islamic economic practices, strengthens local institutions, and provides equitable access to resources. This framework could serve as a model for other agrarian regions in Indonesia, enhancing both economic and social welfare

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