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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 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
Umuri, Khairil
Universitas Syiah Kuala, Banda Aceh, Indonesia
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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): June
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.
Truly Sharia Compliant? A Critical Analysis of Hotel Facilities and Management in Banda Aceh Ahmad Kamal Al Ghifary; Muhammad Haris Riyaldi; Eddy Gunawan; Amri Amri; Khairil Umuri
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.v4i1.393

Abstract

The purpose of this study is to analyze the facilities and management at the Kumala Hotel in Banda Aceh related to the implementation of sharia principles based on the DSN-MUI Fatwa No. 108/DSN-MUI/X/2016. The background is the increasing need for Muslim tourists for accommodation that is in line with sharia in the development of hotel concepts in Aceh. The method used is a qualitative approach that uses data collection techniques through interviews, observation and documentation. The results show that the Kumala Hotel has provided halal food, prayer room and prohibit immoral acts and pornography. From the management side, sharia principles are attempted in service, human resources, and finance. However, obstacles that arise are the limited human resources who understand sharia in more depth and less than optimal supervision. It is hoped that the results of this research will be able to contribute and references in the development of sharia hotels in Indonesia.
Business Development Strategies of USK Tour and Travel: A SWOT Analysis from an Islamic Economic Perspective Zaidan Shadiq Ridhwana; Teuku Meldi Kesuma; Khairil Umuri; Radhia Humaira
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.v4i1.394

Abstract

USK Tour and Travel is a business unit under Universitas Syiah Kuala operating in the travel and tourism services sector. This study aims to analyze the business development strategy of USK Tour and Travel using the SWOT analysis approach and examine its alignment with Islamic economic values. A qualitative descriptive method was used, with data gathered through interviews, observations, and documentation. Based on the analysis, USK Tour and Travel is positioned in Quadrant I (S–O Strategy), indicating strong internal capabilities and favorable external opportunities. The recommended strategies include leveraging institutional support and academic networks to optimize growth in the halal and educational tourism sector, enhancing digital marketing, improving human resource capacity, and establishing strategic partnerships. From an Islamic economic perspective, core values such as shiddiq (honesty), amanah (trustworthiness), fathanah (intelligence), tabligh (communication), and istiqamah (consistency) are being implemented but require further integration into daily business practices to achieve both profitability and spiritual value. This research is expected to serve as a reference for businesses aiming to develop within an Islamic ethical framework in the tourism industry.
Determinants Of Purchasing Decisions In Tik Tok Shop E-Commerce With Trust As A Mediating Variable Milda Munadia; Khairil Umuri; Dewi Suryani Sentosa; Eka Nurlina
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 1 (2024): 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.v5i1.534

Abstract

This study aims to examine the effect of security and Sharia compliance on purchasing decisions in the e-commerce TikTok Shop with trust as a mediating variable. The sample in this study were active undergraduate students at USK totaling 85 people who were taken based on the Hair formula and analyzed using the path analysis model. The results of this study found that security and sharia compliance had a positive effect on trust. Security, Sharia compliance, and trust have a positive effect on purchasing decisions. In the Sobel test, the indirect effect shows that security and Sharia compliance have a positive influence on purchasing decisions through trust as a mediating variable. Further research can take other supporting factors that have not been used in this study
Co-Authors A Sakir, A Sakir Abd Jamal, Abd Afandi ZT, Fitrah Ahmad Hamdani Ahmad Kamal Al Ghifary Ahmad Nizam Ahmad Nizam Alifah, Nisrina Nur Amri Amri Amri Amri Amri Amri Amri, Khoirul Annisa Keumala Dewi Anzira, Raudhatul Auliani, Auliani Azharsyah Ibrahim Bin Ahmad, Aiyub Cut Elfida Darwanis Darwanis Dewi Suryani Dewi Suryani Sentosa 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 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 Haris Riyaldi, Muhammad Hasnanti Putri, Windi Hawa, Aqlima Putri Hendra Halim HENDRA HALIM Humaira, Radhia Ihsan, Mhd Ikhsan Ikhsan Ilka Sandela Indah, Cahyani Rahmitha Iskandarsyah Jalaluddin Jalaluddin Junia Farma Kamal, Fakhri Kanchawongpaisan, Sipnarog Kesuma, T. Meldi Klongrua, Silanee Kusuma, Teuku Meldi Lubis, Hana Salsabila M. Ridha Siregar M. Shabri Abd. Majid M. Shabri Abdul Majid Makfirah, Fajar Maulina, Putri Milda Munadia Muftahuddin Muftahuddin Muftahuddin, Muftahuddin 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 Nabawi, Rifky Chalik Nabila, Nisa Nabilah Nabilah 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 Pratama, Agus Putri Mentari, Putri Radhia Humaira Raihana, Rana Ramida, Ramida Ramli, Fahmi Irwan Rani, Dzacky Muharram Rashid, Muhammad Hafiz Abd. Ratna Dewi Ridwan Nurdin Ridwan Nurdin Ridwan Ridwan Rifky Chalik Nabawi Sakir, A Salpina, Parjah Saputra, Irwan Sari, Meutia Dwi Novita Sartiyah Sartiyah Sartiyah Sartiyah Sartiyah, Sartiyah Sharmila Silvia, Vivi Siregar, Fachrul A Siregar, M. Ridha Siregar, Muhammad Rendhie Sitepu, Novi Indriyani 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 Wirdah Irawati Zaidan Shadiq Ridhwana Zikran, Ghrina ZT, Fitrah Afandi Zuhri, Al