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All Journal At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Zuhrinal M Nawawi
State Islamic University of North Sumatera
Economics, Econometrics & Finance

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Analysis of Sharia Hotel Standardization According to the Indonesian Council of Ulama (MUI) Fatwa at Arabia Style Hotel Azura Rizti Saladin; Zuhrinal M Nawawi; Purnama Ramadani Silalahi
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 11, No 2 (2024): October
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v11i2.4890

Abstract

This study aims to analyze the standardization of sharia hotels based on the Indonesian Ulema Council (MUI) Fatwa No. 108/DSN-MUI/X/2016 using the Balanced Scorecard approach, focusing on Hotel Arabia Style in Medan. The Balanced Scorecard was employed to evaluate the hotel’s performance from four perspectives: internal business processes, learning and growth, customer, and financial. Data were collected through questionnaires distributed to 13 employees and 20 guests of the hotel. The findings reveal that: (1) From the internal business process perspective, the hotel has implemented several sharia principles but lacks sufficient sharia supervision and still utilizes conventional banking services; (2) The learning and growth perspective shows that while the hotel has policies ensuring staff adhere to Islamic dress codes, it has yet to establish a Sharia Supervisory Board within its organizational structure, with employee satisfaction reaching 89.6%; (3) The customer perspective indicates a high customer satisfaction rate of 90%, demonstrating that the hotel successfully meets customer expectations, particularly in providing services in line with Islamic values; and (4) The financial perspective shows positive results across various measured aspects. This study recommends enhancing sharia supervision and restructuring the financial operations to better align with sharia principles
E-Wallet Preferences and Impact on Islamic Banking Innovation Among University Students Habibah Ramadhani Nasution; Zuhrinal M Nawawi; Atika Atika
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 12, No 1 (2026): JUNI 2026
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v12i1.19478

Abstract

The rapid development of digital payment technology has increased the use of e-wallets among various groups, including Islamic economics students. This study aims to examine the effects of attitude, subjective norm, and perceived behavioral control on e-wallet payment preferences among students of the Faculty of Islamic Economics and Business (FEBI), UIN Sumatera Utara, using the Theory of Planned Behavior (TPB). A quantitative approach was employed, involving 97 respondents selected through purposive sampling. The data were analyzed using multiple linear regression. The results indicate that attitude has a positive and significant effect on e-wallet preferences, while subjective norm and perceived behavioral control do not have significant effects. The model explains 35.6% of the variance in e-wallet preferences. These findings suggest that students’ digital payment preferences are influenced more by their personal evaluations of e-wallet usage than by social influences or perceived control. This study contributes to the TPB literature in the context of Islamic economics students by highlighting the dominant role of attitude in shaping e-wallet preferences. Practically, the findings provide insights for Islamic banks in developing digital services that are more aligned with users’ needs and expectations.
Co-Authors Atika Atika Azura Rizti Saladin Habibah Ramadhani Nasution Purnama Ramadani Silalahi