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All Journal Jurnal MD J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Samudra Ekonomi dan Bisnis Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Bisnis Dan Kajian Strategi Manajemen Tasharruf: Journal Economics and Business of Islam Jurnal Pengabdian Masyarakat Bumi Raflesia Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Bidayah: Studi Ilmu-Ilmu Keislaman Ihtiyath : Jurnal Manajemen Keuangan Syariah AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Humanism : Jurnal Pengabdian Masyarakat Al Mashaadir : Jurnal Ilmu Syariah Jurnal Pengabdian dan Peningkatan Mutu Masyarakat (JANAYU) JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Jurnal Iqtisaduna Share: Jurnal Ekonomi dan Keuangan Islam Al-Buhuts (e-journal) Jurnal Ekonomi dan Bisnis Islam (JEBI) Jurnal Ekonomika dan Bisnis Islam JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Cakrawala: Jurnal Studi Islam QULUBANA: Jurnal Manajemen Dakwah Asian Journal of Community Services (AJCS) International Journal of Community Service (IJCS) EKOBIS SYARIAH Eastasouth Journal of Effective Community Services el hisbah: Journal of Islamic Economic Law AT-TIJARAH: Journal Islamic Banking and Finance Research Sharia Economic and Management Business Journal (SEMBJ) PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) International Journal of Kita Kreatif Jurnal Pengabdian Bakti Akademisi Risalah Iqtisadiyah: Journal of Sharia Economics Jurnal Simki Economic International Journal of Kita Kreatif
Umuri, Khairil
Universitas Syiah Kuala, Banda Aceh, Indonesia
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Strategi Badan Wakaf Indonesia (BWI) dalam Penyelesaian Sengketa Wakaf di Aceh Indonesia Fatiya, Ina; Umuri, Khairil; Riyaldi, Muhammad Haris; Nurlina, Eka; Muftahuddin, Muftahuddin
el hisbah Journal of Islamic Economic Law Vol 5 No 2 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v5i2.12256

Abstract

This study aims to analyze the dispute resolution strategies implemented by the Indonesian Waqf Board (Badan Wakaf Indonesia-BWI)Representative Office in Aceh and to assess their compliance with Islamic legal principles. The urgency of this study stems from the high potential for waqf disputes in Aceh, primarily due to incomplete administrative documentation and inadequate records of waqf assets. These conditions often trigger disputes between nazhir, wakif, and heirs, thereby requiring an effective, structured, and sharia-compliant dispute resolution mechanism. This research employs a descriptive qualitative approach using document analysis and in-depth interviews with informants from BWI Aceh and academic experts. The data were analyzed thematically to identify patterns of dispute resolution and their relevance to the concepts of shulh and tahkim in Islamic law. The findings indicate that BWI Aceh prioritizes non-litigation mechanisms through mediation and arbitration. Mediation serves as the primary instrument, conducted through problem identification, facilitated dialogue, and negotiation until a mutually acceptable settlement is reached. Arbitration is applied when mediation does not produce an agreement. This approach aligns with Islamic values that emphasize deliberation, justice, and peace. These strategies have proven effective in resolving various types of disputes, including conflicts involving overlapping claims and differing interpretations of management rights. The study concludes that BWI Aceh’s strategy is consistent with Islamic legal principles and contributes to enhancing legal certainty and protecting waqf assets. Nevertheless, strengthening data management, disseminating regulations, and improving nazhir capacity remain necessary to ensure more optimal waqf dispute resolution.
The Influence of Islamic Business Ethics, Strategic Location, and Perceived Ease of Use on Consumer Satisfaction with the McDonalds Banda Aceh Drive-Thru Service Alifah, Nisrina Nur; Nizam, Ahmad; Umuri, khairil Umuri; Amri, Amri; Elfida, Cut
International Journal of Kita Kreatif Vol 2, No 4 (2025): International Journals Kita Kreatif Vol.2 No. 4 November 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i4.51151

Abstract

The rapid growth of the fast-food industry in the era of globalization has intensified competition, compelling companies to deliver services that meet consumer needs and foster customer satisfaction. In Aceh, the establishment of McDonalds Banda Aceh is not only a business milestone but also a social phenomenon due to heightened public sensitivity toward business ethics and Islamic values amid global boycott movements. This study investigates the influence of Islamic Business Ethics, Strategic Location, and Perceived Ease of Use of drive-thru services on Consumer Satisfaction at McDonalds Banda Aceh. Using a quantitative causal approach, a Likert-scale questionnaire was distributed to 105 drive-thru consumers, and the data were analyzed through multiple linear regression after passing validity, reliability, and classical assumption tests. The findings show that the three independent variables simultaneously have a significant effect on consumer satisfaction, with an Adjusted R Square value of 0.536. Partially, Strategic Location has a positive and significant effect on consumer satisfaction, whereas Islamic Business Ethics and Perceived Ease of Use do not exhibit significant effects. These results indicate that easy accessibility, adequate parking space, and a safe and comfortable drive-thru environment are dominant factors shaping customer satisfaction. Overall, the study concludes that Strategic Location is the primary determinant of consumer satisfaction in the McDonalds Banda Aceh drive-thru service, while Islamic Business Ethics and Perceived Ease of Use have not yet emerged as decisive variables. The study implies that management should prioritize accessibility and drive-thru traffic management while continuously enhancing the service experience to maintain long-term customer satisfaction.
Exploring Tourists Interpretations of Destination Innovativeness, Warmth, and Competence in Encouraging Revisit Intention in Aceh Province: A Phenomenological Approach Kesuma, Teuku Meldi; Siregar, M. Ridha; Halim, Hendra; Umuri, Khairil; Zikran, Ghrina; Humaira, Radhia; Raihana, Rana
International Journal of Kita Kreatif Vol 2, No 4 (2025): International Journals Kita Kreatif Vol.2 No. 4 November 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i4.50386

Abstract

This study explores how domestic tourists interpret destination innovativeness, warmth, and competence as key factors influencing their intention to revisit tourist destinations in Aceh Province, Indonesia. Using a qualitative phenomenological approach, the research focuses on tourists lived experiences and subjective meanings derived from their interactions with innovative and culturally rich destinations. Data were collected through in-depth interviews and participatory observations at four major destinations: Banda Aceh, Sabang, Takengon, and Lhokseumawe. The findings reveal that destination innovativeness is perceived not only through technological and infrastructural improvements but also through efforts to preserve cultural authenticity and enhance comfort. Warmth is associated with the friendliness and sincerity of local communities, while competence reflects professional management, reliable information, and environmental care. Collectively, these elements form emotional and cognitive meanings that foster tourists intention to revisit. Theoretically, this study extends the Tourist Perceived Destination Innovativeness and Stereotype Content Model frameworks, while practically highlighting the importance of experience-based, socially warm, and competence-driven destination management in sustaining tourist loyalty.
Kinerja Bank Pasca Konversi Menjadi Bank Syariah: Lebih Baik Atau Lebih Buruk? Sari, Nurma; Hasnanti Putri, Windi; Umuri, Khairil
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 3 No. 2 (2022): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v3i2.273

Abstract

This study aims to compare the quality of service and loyalty in Bank before and after to find out the impact of service quality on customer loyalty before and after becoming Bank Syariah. The method used in this research is quantitative. The population in this study up to 60,000 customers. The samples obtained were 100 customers by using Slovin formula with sample technique that is purposive sampling. This research used questionnaire as its instrument. Hypothesis testing in this study consisted of Paired sample t-Test and Structural Equation Model (SEM) Test. Paired sample t-test is to compare service quality and loyalty at Bank before and after conversion. Test SEM used to find out the influence of service quality to loyalty before and after conversion. The result of Paired sample t-test showed that service quality and customer loyalty have better effect than before conversion. And the result of Structural Equation Model (SEM) with maximum likelihood estimation (MLE) method showed that service quality influence loyalty before and after becoming Bank Syariah conversion with significance value of p <0,001.
Determinan Keputusan Pembelian Produk Makanan Impor Rifky Chalik Nabawi; Khairil Umuri; Syahriyal Syahriyal; Eka Nurlina
Jurnal Simki Economic Vol 7 No 1 (2024): Volume 7 Nomor 1 Tahun 2024
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v7i1.601

Abstract

The decision to purchase a product is basically influenced by many factors. This research aims to analyze the factors that influence the purchasing decisions of imported food products among students in Banda Aceh City. This type of research is quantitative through an associative approach. Samples were collected using nonprobability sampling techniques with a purposive sampling approach. The collected data was analyzed through multiple linear regression. The results of the research show that the halal label has no effect on students' purchasing decisions about imported food products in the city of Banda Aceh. Meanwhile, promotion, price and religiosity each influence the purchasing decisions of imported food products among students in Banda Aceh City. The implications of the research are that providers of imported food products must pay attention to halal labels, so that the food products sold do not harm consumers, especially students in the city of Banda Aceh.
Pengaruh Literasi Keuangan Syariah, Kemampuan Keuangan Syariah dan Inklusi Keuangan Syariah terhadap Kinerja UMKM di Kota Banda Aceh Muhammad Hafizh Al Adil; Muhammad Haris Riyaldi; Khairil Umuri
Jurnal Ekonomi dan Bisnis Islam (JEBI) Vol. 6 No. 1 (2026): Maret
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAMMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jebi.v6i1.5482

Abstract

Studi ini dimaksudkan untuk menyelidiki dampak dari literasi keuangan syariah, kemampuan keuangan syariah, serta inklusi keuangan syariah pada kinerja Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Banda Aceh. Pendekatan yang diterapkan dalam penelitian ini merupakan studi kuantitatif, pendekatan survei sebagai prosedur pengambilan data utama, yang didapatkan memakai distribusi hasil survei 100 usaha UMKM aktif di Kota Banda Aceh. Data yang diperoleh dilakukan analisis menggunakan spesifik SPSS. Hasil studi mengungkapkan bahwa literasi keuangan syariah serta inklusi keuangan syariah mmemberikan dampak positif yang cukup kuat pada performa UMKM, sementara kemampuan keuangan syariah berpengaruh negatif namun signifikan. Di sisi lain, ketika dilihat secara keseluruhan, literasi keuangan syariah, kemampuan keuangan syariah, dan menunjukkan bahwa inklusi keuangan syariah memiliki dampak signifikan terhadap kinerja UMKM di Banda Aceh. Temuan ini menunjukkan betapa pentingnya meningkatkan pengetahuan, keterampilan, dan akses terhadap keuangan syariah agar bias membantu UMKM naikkan performanya.
Peran Sikap Keuangan Syariah dalam Memediasi Pengaruh Pengalaman Keuangan dan Social Influences terhadap Persepsi Inklusi Keuangan Mikro Syariah Umuri, Khairil; Nurlina, Eka; Muftahuddin, Muftahuddin
Jurnal Samudra Ekonomi dan Bisnis Vol 17 No 2 (2026): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v17i2.13650

Abstract

Despite Aceh’s strong sharia financial regulations, a gap persists between regulatory strength and public adoption of sharia microfinance institutions. This study examines the effects of financial experience and social influences on sharia microfinance inclusion, with attitude towards sharia finance as a mediating variable among the Acehnese population. Data were collected from 400 respondents using purposive sampling and analyzed through SEM-PLS. The results indicate that financial experience does not have a significant direct effect on sharia microfinance inclusion, whereas social influences exert a significant positive effect on sharia microfinance inclusion. Attitude towards sharia finance shows a strong effect on inclusion and mediates the effects of financial experience and social influences on sharia microfinance inclusion. These findings highlight attitudes towards sharia finance as a key mechanism in bridging the regulatory-adoption gap and advancing sharia microfinance inclusion in Aceh.
The Mediating Role of Destination Image on the Effect of Smart Tourism Applications on Behavioral Intentions of Tourists to Aceh: Moderated by Information Search Ahmad Nizam; Sartiyah Sartiyah; Nurul Ilyana Muhd Adnan; Hendra Halim; Khairil Umuri; Teuku Muhammad Syahrizal
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2102

Abstract

Background: This research examines the influence of Smart Tourism Applications on tourists' Behavioral Intentions in Aceh, with Destination Image as a mediating factor and Information Search Behavior as a moderating variable. Method: Using a quantitative approach, the research surveyed tourists who used smart tourism applications during their visit to Aceh. Results: The results reveal that the Smart Tourism Application significantly influences Destination Image, positively affecting tourists' intention to visit or revisit the destination. Furthermore, the destination image is a key mediator that links the Smart Tourism Application to tourists' behavioral intentions. However, Information Search Behavior did not significantly enhance the connection between the application and tourists' behavioral intentions. This indicates that the quality of information offered by the application plays a more critical role in influencing tourists' perceptions and building their confidence. The practical implication of this study is the need to optimize smart tourism applications to support Aceh's Syariah-based tourism by providing comprehensive information about local culture, halal facilities, and religiously guided tourism. Conclusion: This research contributes to the literature on technology in tourism, particularly in religious and cultural destination contexts, and offers insights for developing more effective destination marketing strategies.
Opportunities and Challenges for Islamic Microfinance Institutions in Aceh Khairil Umuri; Muftahuddin Muftahuddin; Eka Nurlina; Nurma Sari; Junia Farma
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.384

Abstract

This article examines the challenges and opportunities for Islamic Microfinance Institutions (LKMS) in supporting the strengthening of the Islamic financial system in Aceh following the implementation of Qanun No. 11 of 2018 concerning Islamic Financial Institutions. This study employs a qualitative approach, incorporating in-depth interviews, observations, and secondary data analysis of LKMS financial reports and institutional documents. The research findings indicate that regulatory support and the socio-religious context in Aceh create strategic opportunities for LKMS through a captive market, community preference for halal transactions, and the need for financing in the real sector, especially agriculture, fisheries, and MSMEs. However, the research also reveals significant challenges, including limited human resource capacity, weak capital, low Islamic financial literacy, and the continued dominance of loan shark practices at the community level. Furthermore, government programs that have not been integrated with the LKMS ecosystem add to the complexity of improving the competitiveness of these institutions. This study concludes that the success of LKMS in Aceh cannot rely solely on the existence of regulations, but requires strategies for institutional strengthening, product diversification, digitalisation of services, and increased Islamic financial literacy. The implications of this research emphasise the need for regional government policy support and collaboration with Baitul Mal and socio-religious institutions to create an inclusive and sustainable Islamic financial ecosystem.
Determinants of Generation Z's Muslim Fashion Behavior Intention in Banda Aceh City: Attitude Variables as Mediation Dhiauddin Al Amiri; Novi Indriyani Sitepu; Khairil Umuri; Wirdah Irawati
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.392

Abstract

This study aims to analyze the effect of Utilitarian Value and Hedonic Value on Behavior Intention, with Attitude as a mediating variable. Data collection was done through distributing questionnaires. The sample in this study was the Generation Z community in Banda Aceh City as many as 130 respondents, who were selected using the sampling technique according to Hair. The data analysis technique used in this research is Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach. The results showed that Utilitarian Value and Hedonic Value had a significant effect on Attitude partially. However, Utilitarian Value and Hedonic Value have no partial effect on Behavioral Intention, then Attitude has a significant effect on Behavioral Intention, while the mediating role of the Attitude variable mediates the effect of Utilitarian Value on Behavioral Intention and also Attitude mediates the effect of Hedonic Value on Behavioral Intention. The results showed that Gen Z's Behavioral Intention in Banda Aceh City in choosing Muslim fashion is more dominantly influenced by their Attitude, compared to the direct influence of Utilitarian Value and Hedonic Value.
Co-Authors A Sakir, A Sakir Abd Jamal, Abd Afandi ZT, Fitrah Agus Pratama Ahmad Hamdani Ahmad Kamal Al Ghifary Ahmad Nizam Ahmad Nizam Aiyub Bin Ahmad Al Zuhri Alifah, Nisrina Nur Amri Amri Amri Amri Amri Amri Amri, Khoirul Annisa Keumala Dewi Anzira, Raudhatul Auliani, Auliani Azharsyah Ibrahim Cut Elfida Darwanis Darwanis Desi Maulida Dewi Suryani Dewi Suryani Sentosa Dhiauddin Al Amiri Dinaroe Dinaroe Dinda Meisuri DM, Burhanis Sulthan Dzacky Muharram Rani Eddy Gunawan Eddy Gunawan Eddy Gunawan, Eddy Edy Miswar, Edy Eka Nurlina Eka Nurlina Eka Nurlina Fadhil, Rahmat Faisal Faisal Fajri, Muhammad Iqbal Fakhrurrazi Farid Farid Farid, Farid Farma, Junia Fatiya, Ina Fauzah, Nurmela Fitrah Afandi ZT Fitrah Khairi Fonna, Rizki Putri Nurita Fuad, Zaki Ginting, Ledy Mahara Halim, Hendra Hamdani, Ahmad Hamdi Harmen Hana Salsabila Lubis Haris Riyaldi, Muhammad Hasnanti Putri, Windi Hawa, Aqlima Putri Haya Thaharah Zulza HENDRA HALIM Hendra Halim Humaira, Radhia Ikhsan Ikhsan Ilka Sandela Indah, Cahyani Rahmitha Iskandarsyah Jalaluddin Junia Farma Kamal, Fakhri Kesuma, T. Meldi Klongrua, Silanee Kusuma, Teuku Meldi M. Ridha Siregar M. Shabri Abd. Majid M. Shabri Abdul Majid Makfirah, Fajar Meylin Alfionita Mhd Ihsan Muftahuddin Muftahuddin Muftahuddin Muftahuddin Muftahuddin Muftahuddin, Muftahuddin Muhammad Hafiz Abd. Rashid Muhammad Hafizh Al Adil Muhammad Haris Riyaldi Muhammad Haris Riyaldi Muhammad Haris Riyaldi Muhammad Haris Riyaldi, Muhammad Haris Muhammad Syahrizal, Teuku Muharman Lubis Mukhlis Mukhlis Mukhlis Yunus Muliadi, Muhammad Yani Mulyadi Adam, Mulyadi Munadia, Milda Nabawi, Rifky Chalik Nabila, Nisa Nabilah Nabilah Najla Najla, Najla Nirlina, Eka Nisva, Raisa Ullya Nizam, Ahmad Nur Masyithah Nurlina, Eka Nurma Sari Nurma Sari Nurma Sari Nurma Sari, Nurma Nurul Ilyana Muhd Adnan Othman, Razali Bin Putri Maulina Putri Mentari Radhia Humaira Raihana, Rana Ramida, Ramida Ramli, Fahmi Irwan Rani, Dzacky Muharram Ratna Dewi Ridwan Nurdin Ridwan Nurdin Ridwan Ridwan Rifky Chalik Nabawi Sakinatul Raadiyah Abdullah Sakir, A Salpina, Parjah Saputra, Irwan Sari, Meutia Dwi Novita Sartiyah Sartiyah Sartiyah Sartiyah Sartiyah, Sartiyah Sentosa, Dewi Suryani Sharmila Silvia, Vivi Sipnarog Kanchawongpaisan Siregar, Fachrul A Siregar, M. Ridha Siregar, Muhammad Rendhie Sitepu, Novi Indriyani Siti Alfia Nur Auliana Srinita, Srinita Stephanus TW Suriani Susanna Syahriyal Syahriyal Syahriyal Syahriyal Syahriyal, Syahriyal Syahrizal, Teuku Muhammad Syakila, Nadia Talbani Farlian Taufiq Carnegie Dawood Teuku Meldi Kesuma Teuku Meldi Kesuma Teuku Meldi Kesuma, Teuku Meldi Teuku Muhammad Syahrizal Teuku Muhammad Syahrizal Teuku Muhammad Syahrizal Windi Hasnanti Putri Wirda, Nurul Wirdah Irawati Zaidan Shadiq Ridhwana Zikran, Ghrina ZT, Fitrah Afandi