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All Journal Equity: Jurnal Ekonomi Sadar Wisata: Jurnal Pariwisata
Safina
Universitas Muhammadiyah Mataram
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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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.
Analisis Pengaruh Fasilitas Ibadah, Makanan Halal, Dan Citra Destinasi Terhadap Keputusan Wisatawan Muslim Dalam Memilih Destinasi Wisata Halal Di Lombok safira; Novi Yanti Sandra Dewi; Ahadiah Agustina; Safina; Lalu M Zulfami Fatawi
Sadar Wisata: Jurnal Pariwisata Vol. 8 No. 2 (2025): Sadar Wisata: Jurnal Pariwisata
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/sw.v8i2.4496

Abstract

Pariwisata halal merupakan segmen industri pariwisata yang terus berkembang, terutama di wilayah dengan mayoritas penduduk Muslim seperti Lombok, sehingga pemahaman mengenai faktor-faktor yang memengaruhi keputusan wisatawan Muslim menjadi penting. Penelitian ini bertujuan untuk menganalisis pengaruh fasilitas ibadah, makanan halal, dan citra destinasi terhadap keputusan wisatawan Muslim dalam memilih destinasi wisata halal di Lombok. Metode penelitian menggunakan pendekatan kuantitatif dengan pendekatan asosiatif, melibatkan 100 wisatawan Muslim yang dipilih melalui teknik purposive sampling, dan data dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa fasilitas ibadah berpengaruh negatif signifikan, sedangkan makanan halal dan citra destinasi berpengaruh positif signifikan terhadap keputusan wisatawan dan secara simultan ketiga variabel memberikan pengaruh signifikan dengan nilai koefisien determinasi sebesar 75,7%. Temuan tersebut menunjukkan bahwa persepsi terhadap atribut halal menjadi determinan penting dalam pembentukan keputusan berkunjung. Penelitian ini menyimpulkan bahwa penguatan kualitas fasilitas ibadah, penyediaan makanan halal yang terstandarisasi, serta penguatan citra destinasi perlu menjadi prioritas pengelola wisata untuk meningkatkan daya saing dan keberlanjutan pariwisata halal di Lombok
Co-Authors Ahadiah Agustina Lalu M Zulfami Fatawi Mukhlishin Novi Yanti Sandra Dewi Nur Fitri Hidayanti safira Zaenafi Ariani