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All Journal Journal of Village Development Innovation Journal of Global Tourism
Prabowo, Oxy Hendro
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Decision Sciences, Operations Research & Management Environmental Science

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Perceptions and Practices of Sharia-Based Finance in Post-Pandemic MSMEs: A Qualitative Study in Urban-Rural Areas Ela, Nur; Prabowo, Oxy Hendro; Himawan, Muhammad Fadil; Karsa, Aldo Hermaya Aditya Nur
Journal of Village Development Innovation Vol. 2 No. 1 (2025): Journal of Village Development Innovation
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jvdi.v2i1.8

Abstract

The COVID-19 pandemic has affected the financial stability of MSMEs in Indonesia, especially in terms of financial management and access to financing. In the context of post-pandemic economic recovery, sharia-based financial systems are gaining traction as a more ethical and sustainable alternative. This study aims to explore the perceptions and practices of MSMEs towards Islamic finance, by comparing the dynamics in urban and rural areas. This research uses a qualitative approach with a phenomenological method. Informants were purposively selected from MSME players who have used or been exposed to Islamic financial services. Data collection techniques were conducted through in-depth interviews and field observations, and analyzed using the Miles and Huberman thematic model. The results showed that urban MSME players have a higher understanding of sharia principles and are more active in utilizing Islamic financial products, such as murabaha financing and Islamic savings. In contrast, rural MSME players rely more on informal systems based on community trust, and face more access barriers. Differences in motivation, literacy and social context are key factors that influence financial behavior in both regions. In conclusion, Islamic financial inclusion among MSMEs requires a participatory and contextual approach, taking into account local characteristics and structural challenges faced by businesses.
Tourists' Perceptions of Religious Tourism Experience at the Tomb of Sunan Ampel Surabaya Prabowo, Oxy Hendro
Journal of Global Tourism Vol. 2 No. 1 (2025): Journal of Global Tourism
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jht.v2i1.12

Abstract

This study aims to examine tourists' perceptions of the religious tourism experience at the tomb of Sunan Ampel, Surabaya, which is one of the most important religious tourism destinations in Indonesia. This research uses a qualitative approach with a descriptive method to describe in depth the experiences of tourists visiting the tomb. Data were collected through in-depth interviews with tomb managers, questionnaires distributed to licensed employees, and direct observation at the site. The results showed that the majority of tourists were satisfied with the spiritual aspects they experienced, but many complained about the limited facilities, such as inadequate seating and narrow worship space. In addition, the lack of clear historical information is also one of the factors that reduce the quality of the tourist experience. The implication of this study is the need to improve facilities, develop training programs for staff, and provide more educative information for visitors. This research is expected to provide input for the manager of Sunan Ampel tomb in improving the quality of service and management of religious tourism in Indonesia.
Co-Authors Ela, Nur Himawan, Muhammad Fadil Karsa, Aldo Hermaya Aditya Nur Komara, Siti Merthayasa, Alit Saebah, Nur