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All Journal Jurnal Ulul Albab JCES (Journal of Character Education Society) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan JURNAL Al-AZHAR INDONESIA SERI SAINS DAN TEKNOLOGI EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Econetica Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Agro Dedikasi Masyarakat (JADM) IIJSE Al-Amal: Jurnal Pengabdian Masyarakat Journal of Community Empowerment NuCSJo : Nusantara Community Service Journal Journal of Sharia Economy and Islamic Tourism Jurnal Kegiatan Pengabdian Mahasiswa (JKPM)
Ariani, Zaenafi
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Development of Beautiful Sunset Land (CSL) Beach to Realize a Sustainable Economy of It-Based Halal Culinary Tourism Enterprises Nur'aini, Nur'aini; Hulaimi, Ahmad; Ariani, Zaenafi; Hidayanti, Nur fitri; Reinelda Tri Yunarni, Baiq; Ati, Suci Canda; Edrian, Veni; Ramadhan, Syahrul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5359

Abstract

This study investigates the development of Pantai Cantik Sunset Land (CSL) as a halal culinary destination in Sekarbela District, Mataram City, focusing on the role of information technology (IT). Using SWOT analysis, surveys, and interviews, the research identifies significant potential for the halal culinary industry at CSL Beach. However, challenges include inadequate IT utilization in marketing, insufficient awareness of halal certification, and poor waste management. The findings suggest that enhanced IT use in social media, increased halal certification awareness, and improved waste management can boost the competitiveness and sustainability of halal culinary businesses at CSL Beach.
Gaya Hidup Digital, Literasi Keuangan, dan Persepsi Risiko: Faktor Penentu dalam Penggunaan Qris Sebagai Transaksi Digital Hidayanti, Nur Fitri; Ariani, Zaenafi
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7260

Abstract

Digital transformation in the payment system has encouraged the adoption of Quick Response Code Indonesian Standard (QRIS) based transaction methods. This study aims to identify and analyze the main factors that influence the use of QRIS as a digital payment method with a Systematic Literature Review (SLR) approach. Literature sources were obtained from Scopus, DOAJ, and Google Scholar indexed databases with publication coverage in the last 10 years. The results show that digital lifestyle is the main driving factor in QRIS adoption, especially among Generation Z who have a high level of technological skills and a tendency to use non-cash payments. In addition, financial literacy plays an important role in increasing users' confidence in utilizing QRIS, where individuals with better financial understanding tend to be more open to digital payment systems. However, risk perception remains an obstacle to QRIS adoption, specifically related to data security and potential cybercrime. The study also found that the COVID-19 pandemic has accelerated the transition to digital transactions, making QRIS a safer and more efficient payment alternative. Nonetheless, challenges in improving financial literacy, especially among MSMEs and older age groups, as well as the need for clearer regulations in ensuring system security, are still aspects that need attention. Therefore, further research is needed to explore strategies to increase QRIS adoption through educational approaches, regulatory policies, and strengthening digital infrastructure to expand financial inclusion in Indonesia.
Faktor Penentu Adopsi Qris dari Perspektif Literasi Keuangan, Kemudahan Penggunaan, dan Inovasi Teknologi Hidayanti, Nur Fitri; Ariani, Zaenafi; Akbar, M. Taufik
Ulul Albab: Majalah Universitas Muhammadiyah Mataram Vol 29, No 2 (2025): Juli
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jua.v29i2.33462

Abstract

Abstrak: Penelitian ini penting dilakukan karena adopsi QRIS sebagai sistem pembayaran digital yang semakin berkembang memerlukan pemahaman mendalam mengenai peran literasi keuangan, kemudahan penggunaan, dan inovasi teknologi dalam meningkatkan penerimaan serta kepercayaan pengguna di berbagai lapisan masyarakat. Penelitian ini bertujuan untuk menganalisis dan mensintesis temuan-temuan yang telah ada guna memperoleh pemahaman yang lebih mendalam mengenai hubungan antara literasi keuangan, kemudahan penggunaan, dan inovasi teknologi dalam mendorong adopsi QRIS. Metode yang digunakan adalah SLR dengan sumber literatur yang berasal dari Google Scholar, DOAJ, dan Scopus, serta dibatasi pada publikasi yang terbitan 10 tahun terakhir. Hasil penelitian menunjukkan bahwa literasi keuangan berperan penting dalam meningkatkan pemahaman individu terhadap manfaat dan risiko sistem pembayaran digital, sedangkan kemudahan penggunaan menjadi faktor utama yang menarik pengguna dari berbagai latar belakang demografis. Inovasi teknologi, seperti enkripsi data, otentikasi transaksi, dan integrasi dengan kecerdasan buatan, turut berkontribusi dalam meningkatkan kepercayaan pengguna terhadap QRIS. Namun, masih terdapat tantangan dalam bentuk kesenjangan literasi digital, persepsi risiko keamanan, serta kurangnya pemahaman pengguna terhadap mekanisme perlindungan data. Oleh karena itu, diperlukan pendekatan yang lebih holistik yang mengintegrasikan literasi keuangan, digitalisasi, dan inovasi teknologi guna mempercepat adopsi QRIS secara luas dan berkelanjutan.Abstract: This research is important because the growing adoption of QRIS as a digital payment system requires an in-depth understanding of the role of financial literacy, ease of use, and technological innovation in increasing user acceptance and trust at various levels of society. This research aims to analyze and synthesize existing findings to gain a deeper understanding of the relationship between financial literacy, ease of use, and technological innovation in driving QRIS adoption. The method used is SLR with literature sources from Google Scholar, DOAJ, and Scopus, and limited to publications published in the last 10 years. The results show that financial literacy plays an important role in improving individuals' understanding of the benefits and risks of digital payment systems, while ease of use is the main factor that attracts users from various demographic backgrounds. Technological innovations, such as data encryption, transaction authentication, and integration with artificial intelligence, also contribute to increasing user trust in QRIS. However, challenges remain in the form of digital literacy gaps, perceived security risks, and users' lack of understanding of data protection mechanisms. Therefore, a more holistic approach that integrates financial literacy, digitalization, and technological innovation is needed to accelerate the widespread and sustainable adoption of QRIS.
Strategi Kebijakan Program Pengembangan Usaha Agribisnis Perdesaan Dalam Pengembangan Ekonomi Mikro Syariah Berbasis Pertanian Di Kabupaten Sumbawa Barat Ariani, Zaenafi
Econetica: Jurnal Sosial, Ekonomi, dan Bisnis Vol 1 No 2 (2019): November 2019
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul UlamaNusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.0602/econetica.v1i2.90

Abstract

ABSTRAK Permasalahan umum bagi petani selama ini adalah tidak mempunyai akses yang baik terhadap lembaga pembiayaan, sehingga sulit untuk mendapatkan kredit atau pembiayaan usaha tani, misalnya kredit usaha rakyat (KUR) dari perbankan. Itu sebabnya, Direktorat Jenderal Prasarana dan Sarana dan Pertanian (PSP) Kementerian Pertanian ( Kementan) menggulirkan Program Pengembangan Usaha Agribisnis Perdesaan (PUAP) hingga saat ini. Dengan adanya Revitalisasi pembiayaan pertanian ini diharapkan menjadi salah satu upaya yang ditujukan untuk mendorong dan menjamin ketersediaan pembiayaan/permodalan bagi petani dalam pengembangan usaha tani Untuk menunjang keberhasilan pembangunan bidang Pertanian, pemerintah melalui Menteri Pertanian Republik Indonesia memberikan Bantuan Langsung Masyarakat Pengembangan Usaha Agribisnis Perdesaan (BLM-PUAP) yang digulirkan kepada Gabungan Kelompok Tani (Gapoktan) di setiap Desa, dengan harapan seluruh desa yang ada di Propinsi NTB khususnya di Kabupaten Sumbawa Barat dapat terakomodir
STRATEGI PEMASARAN PELAKU USAHA KOPI ARABIKA DALAM PENINGKATAN PENDAPATN MASYARAKAT DI KABUPATEN LOMBOK UTARA Ariani, Zaenafi; Ardiyansah, Roni; Cikal Pratama, Rezky; Astriana, Yuli; Ayuliana, Ayuliana
Econetica: Jurnal Sosial, Ekonomi, dan Bisnis Vol 4 No 2 (2022): November 2022
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul UlamaNusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/econetica.v4i2.295

Abstract

Tujuan yang ingin dicapai dari Studi Potensi Komoditi Kopi di Kabupaten Lombok Utara adalah menganalisis potensi bisnis komoditas lokal dalam upaya pengembangan ekonomi di Kabupaten Lombok Utara. Adapun hasil dari penelitian ini adalah: 1) Potensi tanaman Kopi Arabika di Kabupaten Lombok Utara terlihat dari banyaknya tamanan tersebut dibudidayakan oleh masyarakat lombok utara. Hanya saja, pengelolaan tanaman Kopi Arabika di Kabupaten Lombok Utara masih dilakukan secara tradisional, meski telah diberikan pendampingan oleh pemerintah daerah; 2) hasil Berdasarkan data pengolahan ditemukan bahwa produk/komoditi kopi adalah komoditas yang layak diinvestasikan, baik oleh masyarakat maupun pemerintah daerah; dan 3) Secara garis besar terdapat 7 aspek pembangunan yang menjadi arah pengembangan produk/komoditi Kopi yang layak investasi di Kabupaten Lombok Utara menurut skala prioritas pada masing-masing kabupaten yakni: (1) produk lokal, (2) pasar, (3) tata niaga, (4) nilai tambah, (5) kemitraan, (6) dukungan pemerintah daerah, dan (7) penerapan teknologi tepat guna
Analisis Kontribusi Objek Wisata Tanjung Bias dalam Peningkatan Ekonomi Masyarakat di Batulayar Kabupaten Lombok Barat Ariani, Zaenafi; Rizki, Darlin; Fatilla, Cik Nurul Aqidah
Journal of Sharia Economy and Islamic Tourism Vol 4, No 1 (2023): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v4i1.27968

Abstract

Abstract: The research entitled Analysis of the Contribution of Tanjung Bias Tourism Objects in Improving the Community Economy in Batulayar, West Lombok Regency aims to determine the contribution of Tanjung Bias Tourism Objects in Improving the Community Economy in Batulayar, West Lombok Regency. This research uses descriptive qualitative research with data collection techniques using, observation, and interviews, and documentation studies. Data analysis at the time this research was in the field and after returning from the field, data analysis was carried out, then reducing data, presenting data and drawing conclusions from the research results. The results obtained in this study are the existence of Tanjung Bias Beach tourist attraction contributes greatly as one of the places that can absorb labor as well as a provider of employment for the surrounding community in particular. This tourism is able to make people whose backgrounds are fishermen can improve their economy through Tanjung Bias Beach tourism. The community wants to open stalls for trading and the community is also capable of managing their stalls and opening up jobs for unemployed people in Senteluk Village, Batu Layar District.Abstrak: Penelitian yang berjudul tentang Analisis Kontribusi Objek Wisata Tanjung Bias Dalam Peningkatan Ekonomi Masyarakat Di Batulayar Kabupaten Lombok Barat ini bertujuan untuk mengetahui kontribusi Objek Wisata Tanjung Bias Dalam Peningkatan Ekonomi Masyarakat Di Batulayar Kabupaten Lombok Barat. Penelitian ini menggunakan jenis penelitian deskriptif kualitatif dengan Teknik pengumpulan data menggunakan, observasi, dan wawancara, dan studi dokumentasi. Analisis data pada waktu penelitian ini berada dilapangan maupun setelah kembali dari lapangan baru dilakukan analisis data, lalu melakukan reduksi data, penyajian data dan menarik kesimpulan hasil penelitian. Hasil yang diperoleh pada penelitian ini adalah keberadaan objek wisata Pantai Tanjung Bias memberikan kontribusi sangat besar sebagai salah satu tempat yang mampu menyerap tenaga kerja sekaligus sebagai penyedia lapangan kerja bagi masyarakat sekitar khususnya. Pariwisata ini mampu membuat masyarakat yang berlatar belakang bermata pencaharian sebagai nelayan bisa meningkatkan perekonomiannya melalui pariwisata Pantai Tanjung Bias. Masyarakat mau membuka lapak-lapak untuk berniaga dan masyarakat juga mampu dalam mengelola lapaknya dan membuka lapangan pekerjaan bagi masyarakat pengangguran di Desa Senteluk Kecamatan Batu Layar.
THE INFLUENCE OF EXTERNAL FACTORS ON ENTREPRENEURIALLY-ORIENTED E- COMMERCE ADOPTION IN MSMES: A CASE STUDY OF BALE BERDAYA SUMBAWA Meisyaqia, Dira; Ariani, Zaenafi; Nur’aini, Nur’aini; Mukhlishin, Mukhlishin
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 3 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i3.4191

Abstract

This study investigates the influence of external factors on the adoption of entrepreneurially- oriented e-commerce among micro, small, and medium enterprises (MSMEs) of Bale Berdaya Sumbawa. Using a quantitative method with a sample of 100 MSME owners, data were collected through structured questionnaires and analyzed using multiple linear regression. The results show that external factors have a significant positive effect on entrepreneurially-oriented e-commerce adoption (p < 0.05), explaining 52.3% of the variance (R² = 0.523). Among the external factors examined, market demand and technological infrastructure demonstrated the strongest effects, with standardized beta coefficients of 0.421 and 0.367, respectively. These findings contribute theoretically by extending the understanding of e-commerce adoption through the lens of entrepreneurial orientation, highlighting how external stimuli interact with entrepreneurial behavior in digital contexts. Practically, the study offers actionable insights for policymakers, business support organizations, and digital platform providers to design interventions that enhance MSME competitiveness through targeted e-commerce strategies
Peningkatan Kemampuan Literasi Akademik melalui Pelatihan Penulisan Artikel Ilmiah Menggunakan ChatGPT dan VOSviewer Syaharuddin, Syaharuddin; Ariani, Zaenafi; Ilham, Ilham; Hidayanti, Nur Fitri; Mandailina, Vera; Mappanyompa, Mappanyompa
Jurnal Kegiatan Pengabdian Mahasiswa (JKPM) Vol 3 No 1 (2025): Jurnal Kegiatan Pengabdian Mahasiswa (JKPM)
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jkpm.v3i1.612

Abstract

Kemampuan literasi akademik mahasiswa menjadi aspek penting dalam mendukung kualitas penelitian dan publikasi ilmiah di perguruan tinggi. Kegiatan Pengabdian Kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan kemampuan literasi akademik mahasiswa melalui pelatihan penulisan artikel ilmiah dengan mengintegrasikan pemanfaatan aplikasi ChatGPT dan VOSviewer. Pelatihan ini dilaksanakan dalam bentuk penyampaian materi dan praktik secara langsung, dengan melibatkan 40 mitra yang merupakan mahasiswa dari berbagai fakultas di Universitas Muhammadiyah Mataram. Metode evaluasi yang digunakan dalam kegiatan ini adalah observasi, dengan indikator keberhasilan berupa kemampuan mitra dalam menyusun artikel ilmiah sesuai dengan materi yang telah disampaikan. Hasil dari kegiatan menunjukkan bahwa sebanyak 80% mitra berhasil menyusun artikel ilmiah dengan baik, sesuai dengan arahan dan pemanfaatan tools yang telah diperkenalkan. Temuan ini menunjukkan bahwa integrasi teknologi dalam pelatihan penulisan artikel ilmiah memberikan dampak positif dalam meningkatkan literasi akademik mahasiswa, serta membuka peluang pengembangan kegiatan serupa di masa mendatang.
MEMBANGUN KESADARAN HUKUM ANAK DI PANTI ASUHAN ASY-SYIFA’ TERHADAP BULLYING DI LINGKUNGAN SEKOLAH DAN MASYARAKAT: Building Legal Awareness Of Children In Asy-Syifa Orphanage' Against Bullying In The School And Community Environment Harun, Rina Rohayu; Septyanun, Nurjannah; Erwin, Yulias; Supryadi, Ady; Yamin, Bahri; Yuliani, Tin; Fahrurrozi, Fahrurrozi; Aminwara, Rena; Mantika, Aesthetica Fiorini; Ariani, Zaenafi
Al-Amal: Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2024): Juni 2024
Publisher : Yayasan Al-Amin Qalbu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59896/amal.v2i1.94

Abstract

Cases of violations of child protection. Of the reports received, 837 cases occurred within the education unit, including: Children who were victims of bullying or harassment: 87 cases, Children victims of educational policies: 27 cases, Children victims of physical and/or psychological violence: 236 cases and Children victims of sexual violence: 487 cases. From data collected by the Indonesian Child Protection Commission (KPAI) and the Federation of Indonesian Teachers' Unions (FSGI), bullying cases are still a terror for children in the school environment. Meanwhile, the types of bullying that victims often experience are physical bullying (55.5%), verbal bullying (29.3%), and psychological bullying (15.2%). Meanwhile, regarding educational level, elementary school students were the most victims of bullying (26%), followed by middle school students (25%), and high school students (18.75%). The aim of this service is to provide education to participants in community service activities so that bullying does not occur at school. The method used is a socialization method carried out face to face. The results are 50%. Orphaned children do not understand the limits of bullying itself, and their rights as children and citizens, despite the social and economic disparities they have. Some of the orphanage children are still insecure about their condition of not having parents, or having incomplete parents. So they tend to tolerate what happens to them, because they are not aware of these rights and also their own condition.
Implementasi Akad Murabahah pada Perbankan Syariah Ariani, Zaenafi; Sulpiati, Sulpiati
Journal of Sharia Economy and Islamic Tourism Vol 3, No 2 (2023): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v3i2.28280

Abstract

Abstract: The murabahah contract is a sale and purchase agreement in sharia banking which is often used for financing. The basic principle of murabahah is that the seller (bank) informs the buyer (customer) of the cost of goods along with the profits they wish to obtain. This research aims to analyze the implementation of murabahah contracts in sharia banking. The research results show that murabahah contracts are widely applied in various sharia banking products, such as financing for vehicles, property and working capital. The advantage of murabahah is that it provides certainty for customers regarding prices and profits obtained by the bank. However, there are several challenges in its implementation, such as customers' lack of understanding of murabahah contracts and the complexity in determining the cost of goods. This research suggests that there is a need to increase sharia financial literacy for customers, as well as develop a more integrated information system to simplify the process of determining the cost of goods. Thus, murabahah contracts can be a more effective instrument in supporting the growth of sharia banking.Abstrak: Akad murabahah merupakan salah satu akad jual beli dalam perbankan syariah yang sering digunakan untuk pembiayaan. Prinsip dasar murabahah adalah penjual (bank) menginformasikan harga pokok barang kepada pembeli (nasabah) beserta keuntungan yang ingin diperoleh. Penelitian ini bertujuan untuk menganalisis implementasi akad murabahah pada perbankan syariah. Hasil penelitian menunjukkan bahwa akad murabahah banyak diaplikasikan dalam berbagai produk perbankan syariah, seperti pembiayaan kendaraan, properti, dan modal kerja. Keunggulan murabahah adalah memberikan kepastian bagi nasabah terkait harga dan keuntungan yang diperoleh bank. Namun, terdapat beberapa tantangan dalam penerapannya, seperti kurangnya pemahaman nasabah terhadap akad murabahah dan kompleksitas dalam menentukan harga pokok barang. Penelitian ini menyarankan perlu adanya peningkatan literasi keuangan syariah bagi nasabah, serta pengembangan sistem informasi yang lebih terintegrasi untuk mempermudah proses penentuan harga pokok barang. Dengan demikian, akad murabahah dapat menjadi instrumen yang lebih efektif dalam mendukung pertumbuhan perbankan syariah.
Co-Authors Abdurahman Abdurrahman Ahadiah Agustina Ahmad Hulaimi AHMAD HULAIMI, AHMAD Akbar, M. Taufik Aminwara, Rena Aqodiah, Aqodiah Ardiyansah, Roni Ariansyah arti, Juni Asmawati Astriana, Yuli Ati, Suci Canda Ayuliana Ayuliana Bahri Yamin Baiq Reinelda Tri Yunarni Cikal Pratama, Rezky Dewi, Novi Yanti Sandra Edrian, Veni Endang Rahmawati, Endang Erwin, Yulias Fachry Abda El Rahman Fahrurrozi Fahrurrozi Fatilla, Cik Nurul Aqidah Hery Widijanto Hidayanti, Nur Fitri Hudri, Muhammad Ilham Ilham IMAWANTO, IMAWANTO Indri Indri Latifah, Cahya Aini Mantika, Aesthetica Fiorini Mappanyompa, Mappanyompa Marianah, Marianah Maulana, Bayu Meisyaqia, Dira Mos Indrawati Mukhlishin, Mukhlishin Mukhlisin Mukhlisin Nur Aini Nur Oktaviani Nur'aini, Nur'aini Nurjannah S NURUL HIDAYAH Nur’aini, Nur’aini Pratama, Rezky Chikal Putri, Dina Soes Rohayu H, Rina S, Nurjannah Sinta, Nur Siti Lamusiah, Siti Sulpiati, Sulpiati Supryadi, Ady Surmini Suwati, Suwati Syaharani, Jihan Syaharuddin Syahrul R, Syahrul Triyunarni, Baiq Reinalda Vera Mandailina, Vera Yuliani, Tin Z, Sahman