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All Journal Jurnal SOLMA JMM (Jurnal Masyarakat Mandiri) Jurnal Inovator Adzkiya : Jurnal Hukum dan Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekonomi Dan Bisnis KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH JAKA (Jurnal Akuntansi, Keuangan dan Auditing) JURNAL ECONOMINA Prosiding University Research Colloquium Jurnal Riset Rumpun Ilmu Teknik (JURRITEK) Jurnal Teknik Mesin, Industri, Elektro dan Informatika Jurnal Publikasi Ilmu Manajemen Sosio Akademika JURNAL PENGABDIAN MASYARAKAT AKADEMISI Jurnal Riset Akuntansi Journal Of Industrial Engineering & Technology Innovation Birokrasi: Jurnal Ilmu Hukum dan Tata Negara Indonesian Economic Review Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Magister Ekonomi Syariah Journal of Accounting and Finance IECON: International Economics and Business Conference Jurnal Ragam Pengabdian Pandecta : Jurnal Penelitian Ilmu Hukum (Research Law Journal) Proceedings of International Conference on Islamic Economic Finance and Social Finance Proceeding of The International Conference on Management, Entrepreneurship, and Business Jurnal Abdimas Indonesia Uncang : Journal of sharia Banking and islamic finance Jurnal Ekonomi Syariah dan Akuntasi Proceeding of The International Conference on Economics, Accounting, and Taxation AL-IKTISAB: Journal of Islamic Economic Law BISNIS : Jurnal Bisnis dan Manajemen Islam
Nadhifah, Tuti
Universitas Muhammadiyah Kudus
Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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Understanding AI-Assisted Social Commerce Practices among SMEs in Kudus, Indonesia Fitri Alfiyatus Saadah; Tuti Nadhifah
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.243

Abstract

The rapid growth of digital technologies has transformed the way Small and Medium-sized Enterprises (SMEs) conduct business activities, particularly through the adoption of social commerce and AI-assisted digital tools. This study aims to explore AI-assisted social commerce practices among SMEs in Kudus, Indonesia. A qualitative exploratory approach was employed involving eight SME owners from various sectors, including fashion, culinary, skincare, garment production, and hijab retail. Data were collected through semi-structured interviews and analyzed using thematic analysis. The findings reveal that TikTok has emerged as the dominant social commerce platform, with five out of eight participants utilizing it as their primary channel for promotion and customer engagement. In addition to TikTok, participants also used Shopee, Instagram, WhatsApp, ShopeeFood, GoFood, and GrabFood to support their business activities. The study further identified the use of several AI-assisted features, including chatbots, automatic caption generation, Canva-based content creation, and AI-generated promotional ideas. Interestingly, although participants actively utilized these features, many were unaware that the technologies they used incorporated artificial intelligence. This finding suggests that the level of AI utilization among SMEs is higher than the level of AI awareness. Furthermore, intense digital competition and the need to continuously create engaging content were identified as the primary challenges faced by SMEs in digital business environments. The study contributes to the growing literature on AI-assisted social commerce by providing empirical insights into how SMEs integrate digital technologies into their daily business practices and highlighting the importance of digital literacy, content creation capabilities, and AI awareness in supporting successful digital transformation.
The Impact of Islamic Financial Inclusion and Digital Payment Adoption on the Economic Resilience of Muslim MSMEs Amid Pressure from the Rupiah's Depreciation Indriyani Pamenangan; Verta Destania Kusuma Dewi; Khoirul Anwar; Ahmad Dzunnuroin; Tuti Nadhifah
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.254

Abstract

Muslim Micro, Small, and Medium Enterprises (MSMEs) in Indonesia face serious sustainability challenges due to inflationary pressures and rising production costs following the depreciation of the Rupiah. This study aims to analyze the synergy between Islamic financial inclusion and the adoption of digital payments as a strategic mitigation mechanism for businesses in facing these macroeconomic shocks. Through a systematic literature review of 11 scientific articles (2021–2025), this study synthesizes the synergy between financial digitalization and Islamic financial inclusion as an operational resilience mechanism for Muslim MSMEs. The synthesis results show that the adoption of digital payments significantly improves cash flow efficiency and operational transparency, while Islamic financial inclusion provides a foundation for stability through the principles of fairness, partnership, and ethical risk management. This synthesis confirms that the integration of these two instruments is not merely a transaction tool but a crucial operational instrument for building the resilience of Muslim MSME businesses to fluctuations in production costs due to inflationary pressures. In conclusion, the synergy between Islamic financial inclusion and the adoption of digital payments is an effective mitigation strategy for Muslim MSMEs. Therefore, policies to strengthen the competitiveness of business actors need to focus on optimizing access to and implementing an integrated financial system to ensure business sustainability amidst global economic uncertainty.
Understanding Generation Z's Financial Behavior within the Halal Economy: A Literature Review Nanda Tertia Atha; Tuti Nadhifah
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.257

Abstract

The rapid expansion of the halal economy has increased the importance of understanding the financial behavior of Generation Z as future contributors to the development of Islamic finance. Despite growing awareness of halal products and services, many young individuals demonstrate diverse financial attitudes and practices shaped by educational, economic, social, and religious factors. This study aims to explore and understand the financial behavior of Generation Z within the context of the halal economy through a review of relevant literature related to Islamic finance, financial literacy, religiosity, and financial behavior. A qualitative descriptive approach was employed through literature review and thematic analysis of previous studies related to Generation Z, Islamic finance, and the halal economy. The findings from the reviewed literature indicate that Generation Z's financial behavior is influenced by Islamic financial literacy, income conditions, religiosity, family environment, and exposure to digital financial technology. Furthermore, previous studies generally indicate that Islamic finance is perceived as an important component of the halal economy; however, practical challenges such as limited financial resources and varying levels of financial literacy continue to affect financial decisions among Generation Z. The study concludes that strengthening Islamic financial education and increasing awareness of halal financial practices are essential to encourage responsible financial behavior among Generation Z. These findings contribute to the growing literature on Islamic finance, youth financial behavior, and the development of the halal economy in Indonesia.
The Relationship between the Suitability of Sharia Economics Graduates and the Sustainability of Human Resources Development in the Sharia Financial Industry Fida Amrina Rosyada; Najwa Lis Vanzaveera; Lucy Gita Karmila; Tuti Nadhifah
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.258

Abstract

The development of the Islamic finance industry in Indonesia requires the availability of competent human resources (HR) in accordance with the needs of the industry. However, there are still graduates of the Sharia Economics Study Program who work in fields that are not in accordance with their educational background so that their competencies have not been utilized optimally. This study aims to analyze the relationship between the suitability of the field of work of Sharia Economics graduates and the sustainability of human resource development in the Islamic finance industry. The research uses a qualitative approach with a literature study method through the analysis of various relevant scientific journals, articles, and academic publications. The results of the study show that the suitability of the field of work contributes to optimizing the competence of graduates, improving the quality and productivity of human resources, and supporting the sustainability of the development of the Islamic finance industry. On the other hand, the mismatch in the field of work has the potential to hinder the utilization of graduate competencies and reduce the effectiveness of human resource development. Therefore, synergy is needed between universities and the Islamic finance industry in increasing the relevance of graduate competencies to the needs of the world of work so that they can produce human resources who are professional, competitive, and able to contribute optimally to the development of the Islamic finance industry.
The Impact of E-Commerce Usage on Digital Transfomation of MSMEs in Kudus Ahmad Haidar Giri Mukti; Daffa Farrosa Hamada; Endang Trisnawati; Tuti Nadhifah
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.261

Abstract

Digital transformation is an important strategy for Micro, Small, and Medium Enterprises (MSMEs) in increasing competitiveness in the digital economy era. One form of digital transformation widely im-plemented by MSMEs is the use of e-commerce as a marketing and business transaction medium. This study aims to analyze the effect of e-commerce use on digital transformation in MSMEs in Kudus Regency. The study uses a quantitative approach with an explanatory research type. The research sample consisted of 100 MSMEs selected using a purposive sampling technique. Data collection was carried out through dis-tributing questionnaires and analyzed using simple linear regression with the help of SPSS version 26. The results of the study indicate that the use of e-commerce has a positive and significant effect on digital transformation in MSMEs in Kudus Regency with a regression coefficient value of 0.648 and a significance value of 0.000 (<0.05). The coefficient of determination (R²) value of 0.439 indicates that the use of e-commerce is able to explain the digital transformation of MSMEs by 43.9%, while being influenced by other factors outside the study. These findings indicate that e-commerce utilization not only increases marketing and sales activities but also drives the digitalization of business processes, business innovation, and increased competitiveness of MSMEs. Therefore, efforts to improve digital literacy and mentoring for MSMEs are needed to optimize e-commerce utilization to support sustainable digital transformation.
Pengaruh Strategi Konten Marketing terhadap Minat Beli Konsumen melalui Aplikasi Tiktok pada Cyber Printing Jumiyati Awati; Tuti' Nadhifah; Nur Hayati
Jurnal Publikasi Ilmu Manajemen Vol. 5 No. 2 (2026): Juni: Jurnal Publikasi Ilmu Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v5i2.6773

Abstract

This study aims to analyze the effect of content marketing strategy on consumer purchase intention through the TikTok application at Cyber Printing in Demak Regency. The research was prompted by the suboptimal digital engagement of Cyber Printing’s TikTok account, marked by low interaction rates such as likes, comments, and shares despite high view counts, alongside issues related to visual quality and content appeal. The content marketing strategy was evaluated using four dimensions of the AIDA model: Attention, Interest, Desire, and Action, while purchase intention was measured using transactional, referential, preferential, and explorative indicators. A quantitative approach with an explanatory research design was employed. The population comprised consumers and potential consumers who had viewed or interacted with Cyber Printing's TikTok content. A sample of 96 respondents was selected using purposive sampling based on non-probability sampling formulas for infinite populations. Data collection was conducted through a structured paper questionnaire using a 5-point Likert scale. Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) executed via SmartPLS 4. The findings indicate that the content marketing strategy exerts a positive and statistically significant effect on consumer purchase intention (T-statistic = 39.301 > 1.96; P-value = 0.000 < 0.05). The coefficient of determination (R2) of 0.784 demonstrates that 78.4% of the variance in purchase intention is explained by the content marketing strategy, whereas the remaining 21.6% is driven by external variables. Consequently, optimizing short-form video marketing content on TikTok significantly drives consumer purchase intention for local commercial printing businesses.
Penguatan Kapasitas UMKM Melalui Digital Branding dan Pemanfaatan QRIS Berbasis Fintech Halal di Ranting ‘Aisyiyah Kalilopo Yayuk Mundiyastutik; Tuti Nadhifah; Dian Rosita; Anisa Sholikhati; Heni Risnawati; Rahman Abdillah; Naila Husna
JURNAL PENGABDIAN MASYARAKAT AKADEMISI Vol. 4 No. 2 (2026): April : JURNAL PENGABDIAN MASYARAKAT AKADEMISI
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jpma.v4i2.2321

Abstract

This community service activity aims to enhance the capacity of Micro, Small, and Medium Enterprises (MSMEs) in the ‘Aisyiyah Branch of Kalilopo Village through strengthening digital branding, utilization of Quick Response Code Indonesian Standard (QRIS), and improving halal fintech and data security literacy. The main challenges faced by participants include low digital literacy, limited digital marketing strategies, and minimal use of cashless payment systems. The program was implemented through four stages: preparation, implementation, monitoring and evaluation, and reporting. The core activities consisted of socialization, training, and hands-on assistance in using digital platforms and QRIS. Evaluation was conducted using pre-test and post-test methods involving 25 participants. The results showed a significant improvement with an average increase of 36%, including digital branding understanding (48% to 86%), QRIS usage (42% to 88%), halal fintech literacy (50% to 82%), and data security awareness (55% to 83%). These findings indicate that practice-based educational approaches are effective in improving MSMEs’ digital literacy and skills. This program contributes to fostering adaptive, inclusive, and sustainable digital transformation among MSMEs.
Model Integrated Waste Management Berbasis Ekologi Industri untuk Mendukung Circular Economy di Kabupaten Kudus Sam’ani Intakoris; Kukuh Mukti Wibowo; Anny Rosiana Masithoh; Nunung Agus Firmansyah; Tuti Nadhifah
Jurnal Teknik Mesin, Industri, Elektro dan Informatika Vol. 5 No. 3 (2026): Jurnal Teknik Mesin, Industri, Elektro dan Informatika
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jtmei.v5i3.6338

Abstract

The increase in industrial activity, trade, and population growth in Kudus Regency has driven a significant rise in waste generation, placing increasing pressure on the regional waste management system. This condition is exacerbated by the continued dominance of a linear economic model, resulting in most waste being disposed of at the Tanjungrejo Final Processing Site (TPA), which is currently experiencing overcapacity. This study aims to identify the characteristics of waste flows, analyze the potential application of Industrial Ecology principles, and develop an Integrated Waste Management (IWM) model based on Industrial Ecology to support the implementation of a Circular Economy in Kudus Regency. The research employs a qualitative case study approach using field observations, in-depth interviews, Focus Group Discussions (FGDs), and document analysis from local government and relevant stakeholders. Data were analyzed using Material Flow Analysis (MFA), Stakeholder Analysis, and Industrial Symbiosis Analysis. The results indicate that Kudus Regency generates approximately 400 tons of waste per day, dominated by organic waste, plastics, and paper. The current system heavily depends on the TPA, receiving around 170–200 tons daily, leading to operational overload. Significant resource leakage occurs due to low recovery rates and weak waste utilization across sectors. Opportunities for industrial symbiosis were identified, including compost and biogas from organic waste, biomass energy from tobacco residue, and biochar from wood waste. The proposed IWM model integrates collection, sorting, recovery, recycling, and symbiosis within a Circular Economy framework, reducing landfill dependence and improving sustainability.
Co-Authors Abdul Roni Agustina Eka Harjanti Ahmad Dzunnuroin Ahmad Haidar Giri Mukti Ahmad Haidar Giri Mukty Ahmad Nur syafiq Ahmad Nur Syafiq Ajeng Fitria Ananda Alif Kiky Listiyati Alisah Yudiana Aly Akbar Taftazani Anggita Wahyu Fitriana Anisa Sholikhati Anny Rosiana Masithoh Anny Rosiana Masithoh Ataki Zuama Nailufar Bella Chintya Reira Christata Bunga Ratih Tejoningrum Cikita Berlian Hakim Daffa Farrosa Hamada Daniel Ferdian Desi Wahyuni Devy Aufia Abshor Dewi Nur Wakhidah Dian Rosita Dian Rosita Dian Rosita Dian Rosita Eka Putri Valentin Emma Jayanti Besan Endang Trisnawati Fida Amrina Rosyada Firmansyah, Nunung Agus Fitri Alfiyatus Saadah Hanin Fitria Hari Susanta Nugraha Hasna Mudiarti Helmi Nur Fajri Heni Risnawati Heni Risnawati Herri Wijaya Indriyani Pamenangan Izzuddin Syihab Jati Prihantono Jeki Purnomo Jihad Nurfebrianda Jilma Dewi Ayu Ningtyas Jumiyati Awati KHOIRUL ANWAR Kukuh Mukti Wibowo Kukuh Mukti Wibowo Lilien Ristina Lucy Gita Karmila Lucy Gita Karmila M Adhitya Wardhana M Adhitya Wardhana M. Adhitya Wardhana Marsya Rizqia Marsya Rizqia Charunnisa Maryatin Maryatin Muhammad Dzulhilmi Yazid Muhammad Dzulhilmi Yazid Muhammad Ghafur Wibowo Muhammad Nur Salim Muhammad Nur Salim Muhammad Nurul Fadel Muhammad Thoha Muhammad Thoha Naila Husna Najwa Lis Vanzaveera Nanda Tertia Atha Nelly Rhosyida Nelly Rhosyida Ningrum, Nurani Puspa Ninik Ferawati Nunung Agus Firmansyah Nunung Agus Firmansyah Nur Hayati Nur Hayati Nurani Puspa Ningrum Nurani Puspa Ningrum Nurul Islamiyah Rahman Abdillah Ratri Rahmawati Ria Etikasari Rianto Wibowo. Risnawati, Heni Roni, Abdul Salim, Muhammad Nur Samani Intakoris Sherly Nur Ekawati Sigit Arrohman Sri Suryoko Sukamto, Ika Sumiyarsi Sunardi Supardi Supardi Sutris Sutris Verta Destania Kusuma Dewi Yayuk Mundiyastutik Yayuk Murdriyastutik Yunus Mustaqim Yunus Mustaqim Yunus Mustaqim, Yunus