Sharia Economic and Management Business Journal (SEMBJ)

Analysis of Sharia Marketing Principles in the Sales of Cap Mikih Rice Products (Case Study of PT. Tunas Nabati Andalan Mukomuko)

Ardi Okta Putra — 2025-07-23

The purpose of this research is to determine the Sharia Marketing Principles in the Sales of Cap Mikih Rice Products. The research carried out was field research using qualitative descriptive methods. The data collection techniques used were observation, interviews and documentation. Then the data obtained is analyzed and discussed to answer the problems of this research. The results of this research show that the Principle of Unity (Tauhid), the company's business activities are moral in order to achieve blessings and is the most basic value in every business activity. This company is included in the marketing function, the Principle of Permissibility (Ibahah), the company prioritizes customer satisfaction with quality. good products, consumers feel satisfied and have confidence in the products being marketed, the company makes this principle the most important, the Principle of Justice (Al"Adl), the Company is based on market prices, from the prices of materials, processing, and several programs carried out. From the location of setting prices.

Analysis of the Effect of Work Ethic and Assistance on Mustahik Welfare in the Productive Zakat Program at Bengkulu Province Baznas

Novaldi Arya Pratama — 2025-07-23

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

The Influence Of Knowledge, Benefits, And Security On The Decision Of Islamic Banking Students Uinfas Bengkulu To Use M-Banking Bank Syariah Indonesia

Eka Sri Wahyuni Eka — 2025-07-23

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.

The introduction of islamic sharia bonds on an investment instruments (Increasing the capacity of devotion to the community)

Evan Stiawan — 2025-07-23

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

Perceptions of Non-Muslim Chinese Ethnic Communities towards Islamic Banking (Study of the Chinese Village Community in Bengkulu City)

Faishal Rifqi Maycelino — 2025-07-23

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