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All Journal AL QUDS : Jurnal Studi Alquran dan Hadis Journal of Economic, Bussines and Accounting (COSTING) Iqtishoduna: Jurnal Ekonomi Islam Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) SEMB-J: Sharia Economic and Management Business Journal KENDURI
Isnaini, Desi
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI KEPERCAYAAN LEMBAGA KEUANGAN SYARI’AH BENGKULU TERHADAP ALUMNI JURUSAN EKONOMI ISLAM IAIN BENGKULU DALAM REKRUITMEN TENAGA KERJA Isnaini, Desi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 2 (2017)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (705.01 KB) | DOI: 10.29300/ba.v2i2.1053

Abstract

This paper is motivated by the problems of the development of sharia financial institutions are growing rapidly in the city of Bengkulu, impact on the needs of human resources are not small, but after the author observe very little of the Department of Islamic Economics or Muamalah Department who work in Islamic financial institutions. The type of research used is the type of qualitative research, aiming to describe the systematic and factual, by examining the phenomenon of emperis in detail. The results of this study found that there is the same recognition for graduates of the Department of Islamic Economics and other Departments, and there are no exceptions for Islamic Economics majors in taking the test in Islamic financial institutions both banks and non-banks, because all of these agencies accept applications from all Majors. There are two factors that influence the level of confidence of sharia financial institutions bengkulu to graduates majoring in Islamic Economics IAIN Bengkulu, that is: a). External Factors, that is: Curriculum, Index of achievement komulatif, Accreditation of study program. b). Internal Factors ,that is: Insights general knowledge, keIslaman, kesyari'ahan, Soul marketing and managerial, professional and confident, advanced and developing mindset, able to utilize Technology, Good Attitude and Performance, Integrity and high spirit. While the competence must be owned by a graduate of the Department of Islamic Economics is Cognitive Competence, ie science and skills, Personality and Attitude Competencies, Social and Communication Competencies, Professional Competencies.Keywords: Rekruitmen Tenaga Kerja
MEKANISME PEMBIAYAAN PADA PRODUKSI GULA KELAPA DI KECAMATAN ILIR TALO KABUPATEN SELUMA (Studi Terhadap Pelaksanaan dan Pengembangan Produsen Gula Kelapa) Isnaini, Desi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 1, No 2 (2016)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (433.622 KB) | DOI: 10.29300/ba.v1i2.869

Abstract

This paper represents a financing mechanism that uses mudaraba and qardh contracts. The writing of this paper is motivated from academic anxiety in looking at the financing mechanism in the existing economic system in Ilir Talo district Seluma district on the aspect of the system of financing the production of palm sugar. In his discussion discusses the meaning of Baitul Maal Wattamwil (BMT) as well as the stages of its establishment, mudaraba and qardh, mudharabah and qardh financing schemes, financing calculation system using mudharabah and qardh contracts and appropriate financing analsis to solve the problems of economic system in sub district Ilir Talo Seluma district. And concluded that the appropriate financing system for the state of the existing economic system in the district Ilir Talo Seluma district with the qardhul hasan contract. And provide recommendations to establish a sharia financial institution in the form of BMT as the savior of the community economy.Keyword: BMT, Mudharabah, Qardh, Ilir Talo District
Pemahaman Mahasiswa Tentang Saham Syariah Sebelum dan Sesudah Berdirinya Galeri Investasi Syariah BEI Isnaini, Desi; Muslih, Cipta Isratul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i1.3117

Abstract

The purpose of this study is (1) to find out how students understand of Islamic Economics majors about Islamic stock investments before the establishment of the IDX Islamic Investment Gallery IAIN Bengkulu at the Faculty of Islamic Economics and Business. (2) to find out how students understand of Islamic Economics in the Islamic about stock investment department after the establishment of the Indonesia Stock Exchange Islamic Investment Gallery IAIN Bengkulu at the Faculty of Islamic data in the form is observation, interviews, and documentation. The results of this study is : (1) before enstabilistment GIS many students knows Islamic stocks is still limited to theory because there is no place of practice and educational tools to better understand about Islamic stock investment. (2) after the formation of GIS, students' understanding of sharia shares has increased compared to before the enstabilistment of GIS. Students have used existing support facilities.
Peran Pembiayaan Perbankan Syariah terhadap Usaha Mikro Kecil dan Menengah di Masa Pandemi Covid-19 (Studi Kasus pada BSI Kota Bengkulu) Fransiska, Linda; Isnaini, Desi; Oktarinah, Amimah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.4361

Abstract

This study aims to determine the role of financing for the indonesian syariah bank in the city of Bengkulu in rescheduling, reconditioning, and restructuring of micro, small and medium business customers during the covid-19 pandemic, the research method used is qualitative methods. This type of research includes field research because it directly gets data from the field to find out the real situation. When the research took place at the beginning of September 2020-March 2021 and located at the Bank Syariah Indonesia branch office of S. Parman 2. This research is descriptive and uses two data, namely primary data and secondary data, where the primary data is obtained from Bank Syariah Indonesia Bengkulu city and secondary data obtained from notes, books, website publications, journals, articles, theses, and others. Data collection using three methods, namely observation so that it is directly aimed at the Bank Syariah Indonesia Bengkulu city, interviews to ask questions and answers, and documentation such as archives, reports, and so on. The results of the study are that in addition to still providing financing to customers during the covid-19 period, in rescheduling, the role of the bank is to provide an extension of the payment period, while in reconditioning. MSME customers affected by covid-19 can submit a restructuring application letter, but with the agreement of the two parties who are equally willing, and so is the restructuring, with is the conversion of a financing contract, where MSME customers are given any installment payment relief they can for 1 year.
Review of Maqasid Syariah on Reto Tuo as A Waqf Member In Bengkulu, Indonesia Isnaini, Desi
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 12 No. 1 (2023): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v12i1.1914

Abstract

This study aims to analyze the implementation of reto tuo as an expert waqf in Bengkulu Province in the maqasid sharia review. This research is a qualitative research that is descriptive analytic because this research describes the application of expert waqf in Bengkulu Province. The data used in this study were obtained directly from interviews conducted with families who carry out ahl waqf, heirs who are managed by expert waqf, as well as community leaders in Bengkulu Province. In this study, the researcher used the maqāṣid asy-syarīah theory of Imam asy-Syȃtibî to see how Islamic law views the practice of Reto tuo as an expert waqf within the framework of maqāṣid asy-syarīah Imam asy-Sytibî, especially on the concept of the objectives of the Shari'a on guarding and protecting against five main elements, namely religion, soul, mind, descent and property. The results showed that the practice of Reto Tuo can be categorized as expert waqf, this is in accordance with the definition of waqf experts that the assets or benefits that are waqf (waqif) to the recipients of waqf (mauquf 'alaih) are waqif descent which is intended for virtue. In this context, it can be seen that the practice of Reto tuo has attempted to maintain the continuity of the assets owned by the family which are managed by their parents, with the hope that the maintenance of these assets can be used by the family when their parents have died. The care of family assets is the key to ensuring the continuity of family life as well as protection of the human soul in the family individually.
Analysis of Differences in Consumer Perceptions of Service Quality from an Islamic Perspective (Study of Panorama Traditional Markets and Hypermart Modern Markets) Aprina, Nana; Isnaini, Desi; Muttaqin, Faisal
SEMB-J : Sharia Economic and Management Business Journal Vol. 5 No. 1 (2024): Februari
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1192

Abstract

The purpose of this research is to determine the differences in consumer perceptions of service quality, namely: the direct evidence dimension (tangibles), the reliability dimension, the responsiveness dimension, the assurance dimension, and the empathy dimension in the traditional market "Panorama ” and the Modern Market “Hypermart”. To test this, researchers used quantitative methods with primary data collection techniques in the form of questionnaires distributed to 200 respondents. The data analysis technique used is an independent sample t-test using the SPSS version 25 program. From the results of the research and discussion, it was found that differences in consumer perceptions of service are found in the dimension of attention (empathy) with a significance value (sig-2-tailed) of 0.003 for the empathy variable. at a significance level of 5% this value is significant because the significance is 0.003 > 0.05 and for the dimensions of tangibles, reliability, responsiveness, and assurance there is no difference in perception because the significance value is greater than 0.05. With this research, it is known that there are differences in perceptions in the empathy dimension and it is hoped that this can become a benchmark for improving service performance.
Syariah Bank Services and Career Opportunities for Non-Muslims in the Perspective of the Quran and the Frame of Religious Moderation Arifin, Rahman; Adisel, Adisel; Asnaini, Asnaini; Isnaini, Desi; Junaidi, Anwar
AL QUDS : Jurnal Studi Alquran dan Hadis Vol 8, No 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alquds.v8i2.9482

Abstract

This qualitative research aims to examine the implementation of Bank Mega Syariah KC Jambi services in facilitating non-Muslims in transacting at Bank Mega Syariah KC Jambi and studying the ease of non-Muslims in a career at the bank. The research will also look at the obstacles faced by non-Muslims when making transactions and careers at Bank Mega Syariah KC Jambi and how Islamic law regulates employment agreements for non-Muslims in the Islamic banking sector.The research method used is a qualitative approach with data collection techniques through in-depth interviews with related parties such as non-Muslim customers, employees, and management of Bank Mega Syariah KC Jambi. In addition, documents related to Islamic law and Islamic banking regulations will also be analysed in this research.The results of this research are expected to provide a better understanding of the implementation of  Bank Mega Syariah KC Jambi services in facilitating non-Muslims to transact at the bank. In addition, this research is also expected to provide information about the ease of non-Muslims in a career at Bank Mega Syariah KC Jambi and the obstacles faced when transacting and working at the bank.The results of this study are expected to provide recommendations to Bank Mega Syariah KC Jambi in improving services to non-Muslim customers and creating an inclusive work environment for all employees, including non-Muslims. In addition, this research can also provide a better understanding of how Islamic law regulates employment agreements for non-Muslims in the Islamic banking sector and whether there are certain restrictions or prohibitions related to non-Muslim customer financing service contracts in Islamic banking.
Pendampingan Literasi Penggunaan Mobile Banking Syariah Pada Masyarakat Desa Air Buluh Kecamatan Ipuh Kabupaten Mukomuko Vindra, Dhef; Isnaini, Desi; Elwardah, Khairiah
KENDURI : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 4 No. 1 (2024): April
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/kenduri.v4i1.1254

Abstract

Kegiatan yang dilaksanakan yaitu Pembukaan Kegiatan, Sosialisasi pengenalan Mobile Banking bersama pihak BSI, Penginstalan dan Pengajaran penggunaan aplikasi Mobile Banking, Wawancara bersama masyarakat yang mengikuti pendampingan untuk mengetahui hasil pendampingan, Penutupan kegiatan. Adanya kegiatan pendampingan pada masyarakat Desa Air Buluh Kecamatan Ipuh dapat meningkatkan pemahaman masyarakat Desa Air Buluh sebanyak 15 dari 20 orang mengenai aplikasi Mobile Banking serta cara penggunaannya. Masalah yang dihadapi oleh peneliti yaitu waktu pendampingan yang kurang tepat dikarenakan masyarakat Desa Air Buluh rata-rata pekerjaannya yaitu petani sawit baik milik pribadi maupun PT yang mengakibatkan masyarakat harus mengurus kerjaan mereka terlebih dahulu, dalam menanggulangi hal ini kegiatan dilaksanakan dari rumah kerumah dan melakukan janjian terlebih dahulu untuk menentukan jam luang bagi masyarakat. Pihak yang telibat yaitu salah satu pegawai BSI KCP Mukomuko bernama Meydina Putri. Pendampingan ini dilaksanakan dari bulan September sampai dengan bulan Desember, biaya yang dikeluarkan dalam kegiatan pendampingan ini sebesar Rp. 565.000
TINJAUAN EKONOMI ISLAM TERHADAP KELAYAKAN BISNIS PERKREDITAN PADA UD. MENTARI QREDIT KOTA BENGKULU Maharani; Isnaini, Desi; Nurhab, Badaruddin
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 6 No. 2 (2023): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v6i2.4338

Abstract

Penelitian ini bertujuan untuk mengetahui kelayakan bisnis perkreditan pada UD. Mentari Qredit Kota Bengkulu ditinjau dari Ekonomi Islam. Jenis penelitian ini, yaitu field research yang bersifat deskriptif-analitik, menggunakan pendekatan kualitatif, dan teknik penentuan sampel dilakukan secara sengaja (purposive). Adapun aspek-aspek kelayakan bisnis yang dianalisis, seperti aspek hukum, aspek teknis/operasi, aspek pasar dan pemasaran, aspek keuangan, serta aspek ekonomi, sosial, dan lingkungan. Hasil penelitian menunjukkan bahwa jika dilihat dari tinjauan ekonomi Islam, maka UD. Mentari Qredit Kota Bengkulu telah sesuai dengan prinsip ekonomi Islam, karena sudah menerapkan kejujuran dalam setiap kegiatan usaha, spesifikasi barang dagang jelas, transparansi perjanjian, kesepakatan berlaku atas suka sama suka (tidak ada paksaan), menetapkan harga dengan transparan dan jelas, menghindari riba, serta berpegang teguh pada prinsip ta’awun (tolong-menolong) dalam kegiatan jual beli.
Keberlangsungan UMKM Saat Ada dan Tidaknya Tiktok Shop Prespektif Persaingan Pasar Syariah (Studi Di Pasar Panorama Kota Bengkulu) Aldo, Aldo; Isnaini, Desi; Putry, Nurrahmah
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.10073

Abstract

Based on the perspective of sharia market competition, the aim of the research is to find out the sustainability of MSMEs in the Panorama market of Bengkulu city when there are and are not TikTok shops based on the perspective of sharia market competition. To find out how efforts are made by MSME players in the Panorama market of Bengkulu city. in facing market competition when there is or is not a TikTok shop based on the perspective of sharia market competition. The type of research used is field research with data collection methods, namely observation, interviews and documentation with a descriptive qualitative approach in analyzing the data. The subjects in this research are MSME traders in the Bengkulu City Panorama Market. The results that emerge from this research are the sustainability of MSMEs in the Bengkulu City Panorama Market when there are no TikTok shops. The Bengkulu City Panorama Market MSMEs do not manage employees and customers, lack of product innovation and sales, some even don't do it at all, lack of creativity and innovation among MSME players, dishonesty and openness regarding purchasing capital and profits taken, related to the efforts made by MSME players, including continuing to sell at the stalls they own. do not try to compete by selling on TikTok shops or other e-commerce, while a small part of the traders only post normally on Whatsapp, Facebook and Instagram. Therefore, if viewed from the perspective of sharia market competition, the things mentioned above are not in accordance with Fatahana's nature, namely professionalism. and tabigh, namely conveying things about the product truthfully.
Co-Authors Adisel, Adisel Afrianty, Nonie Aldo, Aldo Aprina, Nana Arifin, Rahman Asnaini Asnaini, Asnaini Badaruddin Nurhab, Badaruddin Elwardah, Khairiah Fransiska, Linda Junaidi, Anwar Maharani Muslih, Cipta Isratul Muttaqin, Faisal Nurrahmah Putry Oktarinah, Amimah Vindra, Dhef Yuliza, Tri Despi