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All Journal Owner : Riset dan Jurnal Akuntansi Equity: Jurnal Ekonomi
Mukhlishin
Universitas Muhammadiyah Mataram
Economics, Econometrics & Finance Social Sciences

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The Economic Impact of Tourism and Infrastructure Development on Local Community Income: Case Study of Sembalun Tourism Destination Jumatul Aolia; Novi Yanti Sandra Dewi; Ahadiah Agustina; Mukhlishin
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 1 (2026): Article Research January 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i1.3049

Abstract

ABSTRACT This study aims to explore the economic impact of tourism development and infrastructure development on the welfare of local communities in Sembalun Village. The research method used is a quantitative approach with a descriptive design. The variables analyzed include tourism economy and infrastructure development as independent variables, and local community income as the dependent variable. Data were collected through a survey using a questionnaire with random sampling technique, with a sample of 100 respondents. The results showed that the tourism economy sector contributed 61.7% to the increase in community income, while infrastructure development contributed 23.3%. Simultaneously, the two variables contributed 47.9% to community income. The findings are expected to contribute to the development of sustainable and equitable tourism policies, as well as provide useful perspectives for stakeholders in formulating tourism and infrastructure-based regional development strategies. Based on the research results, it is imperative for the government and stakeholders to strengthen investment in the tourism sector as well as mutually supportive infrastructure development. Improved facilities and quality of public services, such as accessibility, transportation infrastructure, as well as the development of tourist attractions, will accelerate local economic growth and improve community welfare. Therefore, collaboration between tourism development and infrastructure development is a crucial factor in realizing sustainable and inclusive regional development. Keywords: Tourism economy, infrastructure development, local community income, Sembalun, economic development
The Influence of E-Money Usage Frequency and Understanding of Sharia Principles on Millennial Consumptive Behavior Merry; Nur Fitri Hidayanti; Zaenafi Ariani; Mukhlishin
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.592

Abstract

The utilization of electronic money (e-money) has significantly increased in the era of digitalization, altering the consumption patterns of Muslim millennials in Mataram. This study aims to investigate the impact of the frequency of e-money usage and the level of understanding of Sharia principles on Sharia-compliant consumption behavior. Employing a quantitative research design, the study surveyed 93 respondents selected through simple random sampling. Data analysis was conducted using multiple linear regression with the assistance of SPSS software. The findings reveal that the frequency of e-money usage exerts a positive and statistically significant influence on consumption behavior aligned with Sharia principles, exhibiting a coefficient of 54.4% and a significance value of 0.00. Furthermore, the understanding of Sharia values demonstrates a positive effect of 28.3%, with a significance value of 0.013. Collectively, these two variables exert a robust influence on Sharia-oriented consumption behavior, as indicated by an F value of 51.99 and an R-squared value of 52.6%. These results suggest that an increased frequency of e-money usage, coupled with a deeper understanding of Sharia principles, corresponds to more ethical and balanced consumption behavior among Muslim millennials. Consequently, it is imperative to enhance digital literacy in conjunction with strengthening Sharia financial literacy, ensuring that the adoption of financial technology aligns with the objectives of Maqashid al-Syariah in fostering economic welfare and accountability in the digital age.
The Impact of Sharia Fintech and People's Business Credit (KUR) on the Sustainability of MSMEs in Mataram City Safina; Nur Fitri Hidayanti; Zaenafi Ariani; Mukhlishin
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.598

Abstract

This study aims to analyse the impact of Sharia Fintech and People's Business Credit (KUR) on the sustainability of MSMEs in Mataram City. This study is important because MSMEs still have limited access to financing, so the use of technology-based financial services and subsidised credit programmes is necessary to support business continuity. The study uses a quantitative approach with a survey method of 100 MSME actors selected through purposive sampling. The research instrument is a questionnaire with a 1–5 Likert scale, which is then analysed using multiple linear regression through SPSS version 22. The results show that Sharia Fintech has a positive and significant effect on the sustainability of MSMEs, as reflected in increased access to financing, operational efficiency, and innovation capabilities. In addition, KUR also has a positive and significant effect on the sustainability of MSMEs through capital strengthening, increased production capacity, and improved business stability. Simultaneously, both variables were proven to contribute significantly to the sustainability of MSMEs in Mataram City. Thus, it can be concluded that the integration of Sharia-based technology financing and government credit programmes can improve the sustainability performance of MSMEs and has the potential to become a strategic instrument in local economic development.
Co-Authors Ahadiah Agustina Jumatul Aolia Merry Novi Yanti Sandra Dewi Nur Fitri Hidayanti Safina Zaenafi Ariani