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All Journal JCES (Journal of Character Education Society) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan JISIP: Jurnal Ilmu Sosial dan Pendidikan Jurnal Ilmiah Edunomika (JIE) Islamijah: Journal of Islamic Social Sciences JMK Jurnal Manajemen dan Kewirausahaan Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Journal of Artificial Intelligence and Digital Business IIJSE EKSYDA: Jurnal Studi Ekonomi Syariah Journal of Community Empowerment Ekonomipedia: Jurnal Ekonomi Manajemen dan Bisnis Melayani: Jurnal Pengabdian Kepada Masyarakat
Nuraini Nuraini
FAI, Ekonomi Syariah, Universitas Muhammadiyah Mataram, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Pengaruh Integrasi Fintech dan Pembiayaan Mikro Syariah Terhadap Pertumbuhan UMKM di Ekosistem Pariwisata Halal di Lombok Aolia, Jumatul; Safina, Safina; Nur’aini, Nur’aini
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 3 (2025): Oktober: Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v5i3.1373

Abstract

The integration of financial technology (fintech) and Islamic microfinance represents a strategic innovation in strengthening financial access and supporting the growth of MSMEs, particularly within the halal tourism ecosystem. This study aims to quantitatively analyze and examine the influence of fintech and Islamic microfinance integration on the growth of MSMEs in the context of halal tourism in Lombok. The main focus is to assess the extent to which the collaboration between technology-based financial services and Sharia-compliant financing systems can enhance access to capital, operational efficiency, and business development capacity among MSME actors. This research employs a quantitative approach with an associative research type. Data were collected through Likert-scale questionnaires distributed to UMKM actors in Sembalun Village, East Lombok, a prominent halal tourism destination in Indonesia. Respondents were selected using purposive sampling based on specific criteria. Each research variable was measured using five relevant indicators. Multiple linear regression analysis was applied with the assistance of SPSS version 22 to test the hypotheses. The results indicate that both fintech integration and Islamic microfinance have a significant influence both partially and simultaneously on UMKM growth. These findings offer valuable insights for policy formulation and strategic efforts to empower UMKM in an innovative and sustainable manner, thereby contributing to local economic development based on halal tourism.
Halal Ecotourism Development Strategy for Sunset Land Beach, Sekarbela District, Mataram City Mulyana Putra, Dadang; Yanti Sandra Dewi, Novi; Nur'aini, Nur'aini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4992

Abstract

Sunset Land Beach is one of the tourist attractions in the South Ring Road area, Jempong Baru, Kec. Sekarbela, City. Mataram, West Nusa Tenggara is much sought after by tourists. This research aims to determine the strategy for developing halal ecotourism at Sunset Land Beach. The method used in this research is a descriptive qualitative research method, namely research that seeks to obtain accurate and effective information. With data collection techniques through interviews, observation, and documentation. The main problem of this research is the strategy and implementation in developing sunset land halal ecotourism, as well as the inhibiting factors in implementing the sunset land ecotourism development strategy. The results of this research are that the strategy used in developing sunset land halal ecotourism is a program to increase the development of halal tourism facilities and infrastructure. The weaknesses of Sunset Land Beach include natural phenomena, halal certificates, and places of worship.
Management Concepts in Islamic Banking: KONSEP MANAJEMEN RESIKO PADA BANK SYARIAH Salsadila, Anisa Varas; Arsita, Diah Ayu; Tuzzahroh, Nabila; Jumiati; Nurhidayati, Hilma; Zufari, Ikhlasul Zein; Irdan, Fire; Nur’aini
Ekonomipedia: Jurnal Ekonomi Manajemen dan Bisnis Vol. 3 No. 2 (2025): November 2025
Publisher : Green Engineering Society

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55043/ekonomipedia.v3i2.500

Abstract

Abstract.The progress of the Islamic banking industry has implications for the complexity of risk management that is not only limited to financial aspects, but also demands strict compliance with sharia principles. This study aims to examine in depth the various types of main risks faced by Islamic banks and the mitigation strategies applied within the framework of Islamic economics. The method used is the Systematic Literature Review (SLR), by collecting, reviewing, and synthesizing academic literature sources from trusted databases such as Google Scholar and Scopus. Selection criteria include the relevance of substance, the last five years, and the credibility of the source. Data analysis was carried out qualitatively with a content analysis approach. The findings show that financing risk, market risk, and operational risk are the dominant challenges in Islamic banking practices. Optimal mitigation efforts include a comprehensive business feasibility assessment, portfolio diversification, strengthening the supervisory function by the Sharia Supervisory Board, and utilizing information technology. The results of this study reinforce the importance of implementing integrated risk management in accordance with sharia principles to ensure stability and maintain the integrity of Islamic banking institutions.   Abstrak. Kemajuan industri perbankan syariah membawa implikasi terhadap kompleksitas pengelolaan risiko yang tidak hanya terbatas pada aspek finansial, melainkan juga menuntut kepatuhan ketat terhadap prinsip-prinsip syariah. Penelitian ini bertujuan untuk mengkaji secara mendalam berbagai jenis risiko utama yang dihadapi oleh bank syariah serta strategi mitigasi yang diterapkan dalam kerangka ekonomi Islam. Metode yang digunakan adalah Systematic Literature Review (SLR), dengan menghimpun, menelaah, dan mensintesis sumber-sumber literatur akademik dari basis data terpercaya seperti Google Scholar dan Scopus. Kriteria seleksi meliputi relevansi substansi, kurun waktu lima tahun terakhir, serta kredibilitas sumber. Analisis data dilakukan secara kualitatif dengan pendekatan content analysis. Temuan menunjukkan bahwa risiko pembiayaan, risiko pasar, dan risiko operasional merupakan tantangan dominan dalam praktik perbankan syariah. Upaya mitigasi yang optimal mencakup penilaian kelayakan usaha secara komprehensif, diversifikasi portofolio, penguatan fungsi pengawasan oleh Dewan Pengawas Syariah, serta pemanfaatan teknologi informasi. Hasil studi ini memperkuat pentingnya implementasi manajemen risiko yang terintegrasi dan sesuai prinsip syariah guna menjamin stabilitas serta menjaga integritas institusi perbankan syariah.
Pengaruh Literasi Keuangan, Gaya Hidup Konsumtif, dan FOMO Terhadap Penggunaan Paylater di Kalangan Mahasiswa Muh.Khaerul Hafiz; Novi Yanti Sandra Dewi; Nur Aini
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 6 No. 1 (2026): Article Research Maret 2026
Publisher : Yayasan Cita Cendikiawan Al Khwarizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v6i1.8029

Abstract

Penelitian ini bertujuan untuk menganalisispengaruh literasi keuangan, gaya hidup konsumtif, dan FOMO terhadap minat mahasiswa dalam menggunakan layanan Paylater sertamengidentifikasi faktor yang paling dominan. Menggunakanpendekatan kuantitatif dengan metode survei, penelitian inimelibatkan 102 responden yang dipilih melalui teknik random sampling. Data dikumpulkan menggunakan kuesioner Likert dan dianalisis melalui regresi linear berganda. Hasil deskriptifmenunjukkan rata-rata literasi keuangan sebesar 80,41; gaya hidupkonsumtif 77,58; FOMO 77,90; dan minat penggunaan Paylater76,47. Secara simultan ketiga variabel independen berpengaruhsignifikan terhadap minat penggunaan Paylater (F = 9,553; Sig. 0,000), dengan nilai R Square sebesar 0,226. Secara parsial, literasikeuangan (Sig. 0,045) dan FOMO (Sig. 0,007) berpengaruhsignifikan, sedangkan gaya hidup konsumtif belum signifikan (Sig. 0,054). Temuan ini menegaskan bahwa FOMO merupakan faktoryang paling dominan dalam memengaruhi minat penggunaanPaylater.
AI-Powered Academic Writing: Revolusi Baru dan Strategi Cepat Menulis Artikel Bagi Mahasiswa Syaharuddin Syaharuddin; Mappanyompa Mappanyompa; Nur Fitri Hidayanti; Zaenafi Ariani; Nuraini Nuraini
Melayani: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 2 (2025): Melayani : Jurnal Pengabdian Kepada Masyarakat
Publisher : Penerbit dan Percetakan CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/melayani.v2i2.307

Abstract

Perkembangan teknologi kecerdasan buatan (AI) membuka peluang baru dalam peningkatan kualitas dan efisiensi penulisan akademik di kalangan mahasiswa. Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan pelatihan strategis dalam pemanfaatan teknologi kecerdasan buatan (AI) untuk mendukung penulisan akademik, khususnya melalui pendekatan Systematic Literature Review (SLR). Kegiatan ini dilaksanakan melalui metode ceramah dan praktik (pendampingan langsung) dengan melibatkan 50 mahasiswa. Fokus pelatihan adalah membekali peserta dengan pemahaman konseptual dan keterampilan teknis dalam menyusun artikel ilmiah berbasis kajian pustaka sistematis, serta mengoptimalkan penggunaan alat bantu berbasis AI dalam proses penulisan. Evaluasi kegiatan dilakukan berdasarkan output akhir berupa artikel ilmiah yang ditulis oleh masing-masing peserta. Hasil evaluasi menunjukkan respons yang sangat positif dengan rata-rata nilai sebesar 82,86 yang masuk dalam kategori sangat baik. Pelatihan ini dinilai mampu membangkitkan semangat menulis dan memberikan pengetahuan baru bagi mahasiswa. Namun, ditemukan dua aspek yang masih perlu penguatan yaitu pemahaman teknis langkah-langkah SLR dan kepercayaan diri peserta terhadap kelayakan tulisan mereka untuk dipublikasikan. Temuan ini menjadi dasar penting untuk perencanaan pelatihan lanjutan yang lebih aplikatif dan mendalam di masa mendatang.
Determinants of The Use of Digital Service at Islamic Banks: The Role of Technology and Transaction Costs Agustin, Rohmi Maulina; Hidayanti, Nur Fitri; Aini, Nur
JMK (Jurnal Manajemen dan Kewirausahaan) Vol 11 No 2 (2026): May
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/jmk.v11i2.8641

Abstract

This study aims to analyze the effect of technology application and transaction costs on the decision to use Islamic bank digital services in Mataram City. The research method uses a quantitative approach with an associative survey, involving 100 respondents selected through random sampling with the criteria of active customers using digital services. Data were collected using a closed-ended questionnaire with a five-point Likert scale and analyzed using SPSS through descriptive statistics and multiple linear regression tests, including the F test, t test, and coefficient of determination (R²). Descriptive results showed an average value of technology adoption of 83.51%, transaction costs of 79.82%, and usage decisions of 80.23%. However, regression results indicated that the two independent variables did not have a significant effect on usage decisions, with an F test significance value > 0.05 and R² of only 2.7%. These findings indicate that customer decisions are influenced by factors outside the research model. This study concludes that technological improvements and cost efficiency have not been able to directly encourage the use of digital services. The implication is that Islamic banks need to strengthen security, service quality, application convenience, and user trust to increase the use of digital services.
PENINGKATAN KEMANDIRIAN EKONOMI PEREMPUAN MELALUI PELATIHAN MANAJEMEN KEUANGAN USAHA DIVERSIFIKASI PANGAN LOKAL DI SEKOLAH KEWIRAUSAHAAN AISYIYAH Baiq Reinelda Tri Yunarni; Nur’aini Nur’aini; Abdul Hafiz
Journal of Community Empowerment Vol 5, No 2 (2026): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v5i2.39408

Abstract

ABSTRAKKegiatan pengabdian kepada masyarakat ini dilatarbelakangi oleh rendahnya kemampuan manajemen keuangan usaha dan terbatasnya inovasi produk pada perempuan pelaku usaha di Sekolah Kewirausahaan Aisyiyah,(SWA) meskipun memiliki potensi besar dalam pengembangan pangan  lokal. Tujuan kegiatan ini adalah (1) meningkatkan pemahaman dan keterampilan peserta dalam pencatatan keuangan usaha, perencanaan anggaran, perhitungan biaya dan laba, serta pengelolaan arus kas; (2) meningkatkan kemampuan peserta dalam mengembangkan produk pangan lokal yang beragam, bernilai tambah, dan sesuai dengan kebutuhan pasar; serta (3) membentuk pola pikir wirausaha perempuan yang  mandiri, berdaya saing, dan berlandaskan nilai-nilai Islam. Metode pelaksanaan menggunakan pendekatan partisipatif berbasis kebutuhan  mitra melalui sosialisasi, pelatihan, workshop, simulasi pencatatan keuangan, dan pendampingan usaha. Mitra dalam kegiatan ini adalah 20 orang anggota Sekolah Kewirausahaan Aisyiyah. Evaluasi dilakukan melalui pre-test dan post-test, observasi praktik, serta monitoring perkembangan usaha peserta. Hasil kegiatan menunjukkan peningkatan kemampuan manajemen keuangan sebesar 70%, ditandai dengan kemampuan peserta dalam melakukan pencatatan keuangan sederhana dan memisahkan keuangan  usaha dan rumah tangga. Selain itu, keterampilan diversifikasi produk  halal meningkat sebesar 60% dan nilai ekonomis produk meningkat rata-rata sebesar 30%. Dampak kegiatan ini terlihat pada meningkatnya profesionalisme usaha, kemandirian ekonomi, serta peluang peningkatan pendapatan peserta secara berkelanjutan.Kata kunci: Pemberdayaan Perempuan; Manajemen Keuangan Usaha; Diversifikasi Pangan Lokal; UMKM; Ekonomi IslamABSTRACTThis community service activity is motivated by the low capacity of women entrepreneurs in managing business finances and the limited product innovation among participants of the Aisyiyah Entrepreneurship School, despite their significant potential in developing local food-based products. The objectives of this program are: (1) to improve participants’ understanding and skills in business financial recording, budgeting, cost and profit calculation, and cash flow management; (2) to enhance participants’ ability to develop diverse, value-added local food products that meet market needs; and (3) to foster an entrepreneurial mindset among women that is independent, competitive, and grounded in Islamic values. The implementation method employs a participatory approach based on partners’ needs through socialization, training, workshops, financial recording simulations, and business mentoring. The partners involved in this activity consist of 20 members of the Aisyiyah Entrepreneurship School. Evaluation was conducted through pre-test and post-test methods, practical observations, and monitoring of participants’ business development. The results show a 70% improvement in financial management skills, indicated by participants’ ability to carry out simple financial recording and to separate business and household finances. In addition, participants’ skills in halal product diversification increased by 60%, and the economic value of products improved by an average of 30%. The impact of this activity is reflected in increased business professionalism, strengthened economic independence, and greater opportunities for sustainable income growth.Keywords: Women Empowerment; Business Financial Management; Local Food Diversification; Msmes; Islamic Economics
Co-Authors Abdillah, Muhammad Zaki Abdul Hafiz Adinda, Prameswari Cuzenti Agustin, Rohmi Maulina Ahadiah Agustina AHMAD HULAIMI, AHMAD Andani, Merry Aolia, Jumatul Arsita, Diah Ayu Baiq Reinelda Tri Yunarni Dewi, Novi Yanti Sandra Gina Elfida Hidayanti, Nur Fitri Irdan, Fire Irsyad, Ziqrurrahman Jaiti, Nur Jumiati Lalu Hendra Maniza Mabrur, Imam Mappanyompa Mappanyompa Mardiah Mardiah Muawari, Lalu Jedi Muh.Khaerul Hafiz Mulyana Putra, Dadang Ningsih, Nurul Hidayati Indra Ningtias, Karmelia Sasmita Novi Yanti Sandra Dewi Nur Fitri Hidayanti Nurhidayati, Hilma Reni Anggriani, Reni Safina, Safina Salmin Salmin Salmin Salsadila, Anisa Varas Selva Selva Suci Canda Ati Sudarta Sudarta Sudianti, Riska Syaharuddin Syaharuddin Tuzzahroh, Nabila Veni Edrian Vinuzia, Mala Yanti Sandra Dewi, Novi Zaenafi Ariani Zufari, Ikhlasul Zein