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All Journal Jurnal Ulul Albab JCES (Journal of Character Education Society) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL Al-AZHAR INDONESIA SERI SAINS DAN TEKNOLOGI EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Inovasi Pendidikan dan Sains Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Jurnal Agro Dedikasi Masyarakat (JADM) Journal of Economic, Business and Engineering (JEBE) IIJSE Al-Amal: Jurnal Pengabdian Masyarakat Journal of Community Empowerment International Journal of Islamic Business and Economics (IJIBEC) NuCSJo : Nusantara Community Service Journal Journal of Sharia Economy and Islamic Tourism Jurnal Kegiatan Pengabdian Mahasiswa (JKPM)
Ariani, Zaenafi
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Determinants of Islamic E-Wallet Adoption Among University Students: Evidence from Digital Islamic Literacy and Social Influence Ainun; Fitri Hidayanti , Nur; Ariani, Zaenafi; Magomed Tazhdinov
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i2.12964

Abstract

This study aims to analyze the relationship between Islamic digital literacy and social influence on the acceptance of Islamic digital wallets among students, as well as to examine the role of Islamic digital literacy as a factor that strengthens this relationship. The method used is quantitative with a survey approach of 54 Muhammadiyah University Mataram students selected at random. The instrument used was a five-point Likert questionnaire, with data analysis using descriptive tests, normality tests, multiple linear regression, and ANOVA through IBM SPSS. The results of the study indicate that Islamic digital literacy (X1) and social influence (X2) have a positive and significant effect on students' interest in using Islamic digital wallets (Y1), with an R² value of 0.651 and significance p < 0.001, and the largest contribution came from social influence (β = 0.443) compared to Islamic digital literacy (β = 0.434). These findings confirm that Islamic digital literacy and social influence simultaneously increase the acceptance of sharia-based financial services. Practically, the research results provide a basis for strengthening strategies for education and promotion of digital Islamic financial literacy, as well as the integration of a social influence-based approach to expand Islamic financial inclusion among the younger generation.
Character Education Based on Local Wisdom: A Study of the Sasak Tribe Community in Lombok Muhirdan, Muhirdan; Hulaimi, Ahmad; Hidayanti, Nur Fitria; Ariani, Zaenafi; Hamdi, Hamdi; Wahyudi, Zaenul
JURNAL INOVASI PENDIDIKAN DAN SAINS Vol 6 No 3 (2025): December
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Nahdlatul Wathan Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51673/jips.v6i3.2661

Abstract

This study aims to analyze the forms of character education based on the local wisdom of the Sasak community and their role in character formation in everyday life. The research used a qualitative, ethnographic design and was conducted in Sade Village, Rembitan, and Segenter, all of which are Sasak customary communities. The data were collected through participant observation, in-depth interviews, and documentation, and were then analyzed using an interactive model. Data validity was examined through source triangulation, technique triangulation, and member checking. The study's results show that character education in the Sasak community is internalized through four main domains. First, religious values, manifested through Quran recitation activities, village religious gatherings, and the tradition of ngaji menaq, serve as the foundation for character formation derived from the local wisdom of the Sasak community. Second, local wisdom instills values of prudence, honesty, and moral responsibility. Third, the practice of gotong royong (besiru, begawe, mandek bale) strengthens prosocial character, which is perceived as good character in social relations. Fourth, Tuan Guru and traditional leaders play a central role in character education through role modeling, advice, and the transmission of adat-pamali values integrated with Islamic sharia. The research findings affirm that character education in the Sasak community occurs through concrete, continuous cultural processes. Overall, this study shows that Sasak local wisdom makes a strategic contribution to the development of religious, ethical, and prosocial character aligned with its principles on the island of Lombok
PENGARUH KUALITAS LAYANAN TELLER DAN COSTUMER SERVICE TERHADAP KEPUASAN NASABAH DI BANK NTB SYARIAH Danu Pratama, Muhammad; Ariani, Zaenafi; Fitri Hidayanti, Nur
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2571

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan Teller (X₁) dan Customer Service (X₂) terhadap kepuasan nasabah (Y) pada Bank NTB Syariah dengan mengacu pada dimensi SERVQUAL serta nilai-nilai pelayanan berbasis syariah. Metode penelitian menggunakan pendekatan kuantitatif melalui survei asosiatif dengan sampel berjumlah 100 nasabah aktif yang telah menggunakan layanan teller maupun customer service minimal enam bulan. Instrumen penelitian berupa kuesioner skala Likert lima poin, dengan nilai rata-rata deskriptif menunjukkan persepsi sangat baik pada seluruh variabel, yaitu X₁ = 81,53; X₂ = 81,20; dan Y = 80,40. Analisis dilakukan menggunakan regresi linear berganda melalui JASP. Hasil penelitian menunjukkan bahwa secara simultan kualitas layanan teller dan customer service berpengaruh signifikan terhadap kepuasan nasabah (F = 11,99; p < 0,001). Secara parsial, variabel X₂ berpengaruh signifikan (β = 0,416; p < 0,001), sedangkan X₁ tidak signifikan (β = 0,186; p = 0,117). Nilai koefisien determinasi sebesar R² = 0,198 mengindikasikan bahwa 19,8% variasi kepuasan nasabah dapat dijelaskan oleh kedua variabel layanan. Dengan demikian, penelitian menyimpulkan bahwa kualitas layanan customer service merupakan faktor dominan dalam meningkatkan kepuasan nasabah, sementara peran teller perlu diperkuat untuk menciptakan pelayanan yang lebih komprehensif dan sesuai prinsip syariah.
The Influence of Sharia Financial Literacy and Customer Trust on Interest in Using Sharia Fintech in NTB Fadillah, Nur; Ariani, Zaenafi; Hulaimi, Ahmad
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2572

Abstract

This study aims to analyze the effect of Islamic financial literacy and customer trust on the interest in using Islamic fintech in West Nusa Tenggara (NTB). This study was conducted to fill the gap in previous studies, which mostly focused on the interest in using digital services without examining actual financial behavior, such as saving in Islamic banks. The research uses a quantitative approach with a survey method of 122 respondents selected purposively. Data were collected through a Likert scale-based questionnaire and analyzed using multiple linear regression after classical assumption tests were conducted to ensure the model's feasibility. The results show that Islamic financial literacy has a positive and significant effect on interest in using Islamic fintech, while customer trust also strengthens interest in usage, although its contribution is smaller. Simultaneously, both variables are able to explain 73.2% of the variation in respondents' interest in Islamic fintech services. These findings emphasize the importance of improving Islamic financial education and strengthening public trust in Islamic-based digital financial institutions as a strategy to expand financial inclusion in the digital era. This study also provides direction for the development of Islamic fintech products and marketing strategies that are relevant to the characteristics of the younger generation as the dominant users.
PENDIDIKAN SOSIALITA BERBASIS AL-QUR’AN MELALUI METODE QUICK AND SMART QUR’AN DI DESA PERAMPUAN KECAMATAN LABUAPI LOMBOK BARAT Ariani, Zaenafi; Muhirdan, Muhirdan; Hidayanti, Nur Fitri; Rahmawati, Endang; Wiramaya, Devi Sastika; Rohayu, Rina
Journal of Community Empowerment Vol 5, No 1 (2026): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v5i1.38766

Abstract

ABSTRAK                                                                                     Perkembangan teknologi digital dan media sosial telah memengaruhi pola kehidupan sosial ibu rumah tangga, termasuk munculnya fenomena sosialita di kalangan masyarakat menengah ke bawah. Pergeseran makna sosialita dari aktivitas sosial berbasis kepedulian menjadi simbol eksistensi diri di ruang digital berpotensi melemahkan karakter humanis dan spiritual. Kegiatan pengabdian kepada masyarakat ini bertujuan melakukan pendampingan dan penguatan karakter ibu-ibu sosialita melalui pembelajaran Al-Qur’an menggunakan metode Quick and Smart Qur’an (QSQ) di Desa Perampuan, Kecamatan Labuapi, Kabupaten Lombok Barat. Metode pelaksanaan meliputi sosialisasi program, pembentukan kelompok binaan, serta kajian Al-Qur’an intensif dengan pendekatan visual, auditori, kinestetik, cerita, imajinasi, dan diskusi interaktif. Evaluasi dilakukan melalui pre-test dan post-test, observasi partisipatif, serta dokumentasi kegiatan. Melibatkan 30 peserta, dilaksanakan 10 sesi pembelajaran intensif. Tingkat partisipasi aktif peserta mencapai 75% serta terbentuk satu komunitas belajar Al-Qur’an yang aktif dan berkelanjutan. Evaluasi kuantitatif menunjukkan peningkatan pemahaman nilai-nilai Al-Qur’an sebesar 38%. Selain itu, terjadi peningkatan indikator soft skills, yaitu disiplin kehadiran sebesar 30%, empati sosial sebesar 25%, dan komitmen spiritual sebesar 35%. Program ini menunjukkan bahwa metode QSQ efektif sebagai model pendampingan karakter berbasis Al-Qur’an yang adaptif dan transformatif bagi komunitas ibu-ibu sosialita, serta berpotensi direplikasi dalam pembinaan karakter keagamaan perempuan di tingkat lokal.Kata kunci: Ibu-Ibu Sosialita; Pembelajaran Al-Qur’an; Quick and Smart Qur’an; Penguatan Karakter. ABSTRACTThe development of digital technology and social media has influenced the social life patterns of housewives, including the emergence of the socialite phenomenon among lower-middle-class communities. The shift in the meaning of socialite from social activities based on humanitarian concern to a symbol of self-existence in digital spaces has the potential to weaken humanistic and spiritual character. This community service program aims to provide mentoring and strengthen the character of socialite housewives through Qur’anic learning using the Quick and Smart Qur’an (QSQ) method in Perampuan Village, Labuapi District, West Lombok Regency. The implementation method includes program socialization, the formation of participant groups, and intensive Qur’anic study using visual, auditory, kinesthetic, storytelling, imagination, and interactive discussion approaches. Evaluation was conducted through pre-test and post-test, participatory observation, and activity documentation. The program involved 30 participants and was conducted through 10 intensive learning sessions. The results show that the active participation rate of participants reached 75%, and a sustainable Qur’anic learning community was successfully established. Quantitative evaluation indicates an increase in participants’ understanding of Qur’anic values by 38%. Furthermore, there was an improvement in several soft skill indicators, including a 30% increase in attendance discipline, a 25% increase in social empathy, and a 35% increase in spiritual commitment. The program demonstrates that the Quick and Smart Qur’an (QSQ) method is effective as an adaptive and transformative Qur’an-based character mentoring model for socialite housewife communities. Moreover, this model has the potential to be replicated as an approach to strengthening religious character development among women at the local community level.Keywords: Socialite Mothers; Qur’anic Learning; Quick and Smart Qur’an; Character Strengthening.
STRATEGI PEMBERDAYAAN EKONOMI UMAT BERBASIS KULINER SYARIAH DAN LITERASI DIGITAL UNTUK KOMUNITAS MAJELIS TAKLIM BAITURRAHMAN PESONA GRIYA ASRI Zaki, Muhammad; Hidayanti, Nur Fitri; Ariani, Zaenafi; Rahmawati, Endang; Ilham, Ilham; Hulaimi, Ahmad
Journal of Community Empowerment Vol 5, No 1 (2026): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v5i1.35973

Abstract

ABSTRAKPelaku usaha kuliner yang tergabung dalam Komunitas Majelis Taklim Baiturrahman Pesona Griya Asri menghadapi berbagai permasalahan dalam pengelolaan usaha, khususnya pengelolaan keuangan yang masih tradisional, belum melakukan perhitungan Harga Pokok Produksi (HPP) secara sistematis, mencampur keuangan usaha dengan keuangan pribadi, serta memiliki keterbatasan literasi digital untuk mendukung pemasaran produk. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas ekonomi umat melalui pemberdayaan pelaku usaha kuliner berbasis prinsip syariah dan literasi digital sehingga mampu mengelola usaha secara lebih profesional dan berdaya saing. Metode pelaksanaan menggunakan pendekatan partisipatif-terintegrasi melalui Focus Group Discussion (FGD) untuk identifikasi kebutuhan, workshop perhitungan HPP dan pencatatan keuangan digital, pelatihan literasi digital meliputi fotografi produk dan pemanfaatan media sosial serta e-commerce, seminar fikih muamalah, serta pendampingan dan monitoring pascapelatihan. Kegiatan dilaksanakan di Perumahan Pesona Griya Asri, Lombok Barat, dengan mitra sasaran anggota Majelis Taklim Baiturrahman yang memiliki usaha kuliner, melibatkan sebanyak 25 peserta. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai perhitungan HPP, meningkatnya kemampuan dalam menggunakan aplikasi pencatatan keuangan digital, tumbuhnya konsistensi dalam melakukan pencatatan keuangan usaha secara rutin, meningkatnya pemanfaatan platform digital untuk pemasaran produk, serta meningkatnya pemahaman peserta terhadap praktik bisnis yang sesuai dengan prinsip ekonomi syariah sehingga mendukung penguatan kapasitas usaha kuliner masyarakat secara berkelanjutan.Kata kunci: Pemberdayaan Ekonomi; Kuliner Syariah; Literasi Digital; UMKM.ABSTRACTCulinary entrepreneurs who are members of the Majelis Taklim Baiturrahman Pesona Griya Asri community face various challenges in managing their businesses, particularly in financial management which is still traditional in nature. Many of them have not systematically calculated the Cost of Goods Sold (COGS), still mix business finances with personal finances, and have limited digital literacy to support product marketing. This community service activity aims to enhance the economic capacity of the community through the empowerment of culinary entrepreneurs based on sharia principles and digital literacy so that they are able to manage their businesses more professionally and competitively. The implementation method employed a participatory-integrated approach through Focus Group Discussions (FGD) to identify needs, workshops on COGS calculation and digital financial record-keeping, digital literacy training including product photography and the utilization of social media and e-commerce platforms, seminars on fiqh muamalah, as well as post-training mentoring and monitoring. The activity was conducted in the Pesona Griya Asri Housing Area, West Lombok, targeting members of the Majelis Taklim Baiturrahman who run culinary businesses, involving a total of 25 participants. The results of the activity indicate an increase in participants’ understanding of COGS calculation, improved ability to use digital financial recording applications, growing consistency in conducting routine business financial records, increased utilization of digital platforms for product marketing, and enhanced understanding of business practices in accordance with sharia economic principles, thereby supporting the sustainable strengthening of community-based culinary enterprises. Keywords: Economic Empowerment; Sharia Culinary; Digital Literacy; MSMEs.
THE EFFECT OF PUBLIC PERCEPTION OF CARBON TRANSACTIONS IN PROMOTING ECONOMIC PROSPERITY: A SHARIA ECONOMIC APPROACH Ariani, Zaenafi; Garba, Malami Muhammad
Journal of Economic, Business and Engineering (JEBE) Vol. 7 No. 2 (2026): April
Publisher : Universitas Sains Al Qur'an

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jebe.v7i2.11032

Abstract

This study aims to analyse public perception of carbon transactions in relation to improving economic welfare through sharia economic approach, as well as to examine the role of sharia banking and financial technology (fintech) as facilitators of sustainable carbon trading in accordance with sharia principles. The method used is mixed methods with sequential explanatory design. Quantitative data collection through a survey approach using a Likert-scale questionnaire with a total of 20 questions. This instrument is designed to measure the level of understanding, economic impact, and conformity of carbon transaction practices with sharia economic values. Respondents were purposively selected to represent individuals who have knowledge or involvement in related issues totalling 51 respondents. Quantitative data analysis was followed by a qualitative approach through observation and in-depth interviews with academics, industry players and sharia economic figures to gain a contextual understanding of the survey results. The findings show that public understanding of the concept and mechanism of carbon trading from a sharia perspective is still limited. Although some people show concern for environmental issues, in-depth knowledge about carbon trading is still minimal. However, respondents who understand sharia principles argue that carbon transactions can be justified as long as they fulfil the principles of fairness, transparency and are free from uncertainty (gharar).
Co-Authors Abdurahman Abdurrahman Ahadiah Agustina Ahmad Hulaimi AHMAD HULAIMI, AHMAD Ainun Akbar, M. Taufik Aminwara, Rena Aqodiah, Aqodiah Ardiyansah, Roni Ariansyah arti, Juni Asmawati Astriana, Yuli Ayuliana Ayuliana Bahri Yamin Cikal Pratama, Rezky Danu Pratama, Muhammad Dewi, Novi Yanti Sandra Endang Rahmawati, Endang Erwin, Yulias Fachry Abda El Rahman Fahrurrozi Fahrurrozi Fatilla, Cik Nurul Aqidah Fitri Hidayanti , Nur Fitri Hidayanti, Nur Garba, Malami Muhammad Hamdi Hamdi Hery Widijanto Hidayanti, Nur Fitri Hidayanti, Nur Fitria Hudri, Muhammad Ilham Ilham Indri Indri Latifah, Cahya Aini Magomed Tazhdinov Mantika, Aesthetica Fiorini Mappanyompa, Mappanyompa Marianah, Marianah Maulana, Bayu Mos Indrawati Muhammad Zaki Muhirdan Muhirdan Muhirdan, Muhirdan Mukhlisin Mukhlisin Nur Aini Nur Fadillah, Nur Nurjannah S NURUL HIDAYAH Putri, Dina Soes Rohayu H, Rina S, Nurjannah Sinta, Nur Siti Lamusiah, Siti Sulpiati, Sulpiati Supryadi, Ady Surmini Suwati, Suwati Syaharani, Jihan Syaharuddin Triyunarni, Baiq Reinalda Vera Mandailina, Vera Wiramaya, Devi Sastika Yuliani, Tin Z, Sahman Zaenul Wahyudi