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All Journal Jurnal Ekonomi dan Pendidikan Efisiensi : Kajian Ilmu Administrasi Jurnal Pendidikan Indonesia Dinamika Pendidikan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Peuradeun Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini Jurnal Pengabdian Masyarakat AbdiMas Jurnal Ekonomi dan Pembangunan Jurnal ABDINUS : Jurnal Pengabdian Nusantara Edunesia : jurnal Ilmiah Pendidikan International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Journal of Islamic Economics Lariba Sinergi International Journal of Management and Business Jurnal Penelitian Pendidikan Indonesia Dedikasi : Jurnal Pengabdian Lentera KIC International Journal of Teaching and Learning (INJOTEL) Stability: Journal of Management and Business
Maimun Sholeh
Universitas Negeri Yogyakarta, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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The Impact of Halal Tourism on Regional Economic Growth in Lombok, West Nusa Tenggara, Indonesia Wijaya, Lalu Hendra; Sholeh, Maimun
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 12 No. 2 (2020)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v12i2.15127

Abstract

This study aims to analyze the economic development of the West Nusa Tenggara Province with the existence of halal tourism. It is expected that the halal tourism is able to support the economic development of the province. This is a quantitative research, u sing secondary data from the Central Statistics Agency (BPS) among others. The analysis tool used is SPSS. The results show that halal tourism has considerable potential as one of the leading sectors that can support the regional economy. The progress of the tourism sector in the West Nusa Tenggara Province is marked by the increase in the number of foreign and domestic tourist visits every year. AbstrakPenelitian ini bertujuan untuk mengetahui perkembangan atau pertumbuhan ekonomi Provinsi Nusa Tenggara Barat dengan adanya pariwisata halal sehingga mampu menopang perekonomian regional provinsi. Penelitian ini menggunakan pendekatan kuantitatif, dengan data sekunder yang di antaraya berasal dari Badan Pusat Statistik (BPS). Alat analisis yang digunakan adalah SPSS. Hasil penelitian menunjukkan bahwa Pariwisata halal memiliki potensi yang cukup besar sebagai salah satu sektor unggulan yang dapat menopang ekonomi daerah. Kemajuan sektor pariwisata di Provinsi NTB ditandai dengan meningkatnya angka kunjungan wisatawan mancanegara dan nusantara setiap tahunnya. 
ZAKAT AS TAX REDUCTION: STUDY OF MUSLIM COMMUNITY PERCEPTION IN INDONESIA AND MALAYSIA Ahmad Hafidh, Aula; Johari, Fuadah; Sholeh, Maimun; Suprayitno, Eko; Ngadiyono, Ngadiyono
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 2 (2021): JULY-DECEMBER 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i2.29016

Abstract

This study aims to examine the model adopted based on Muslim consumer perceptions of taxes through the zakat system. This research uses three stages of comprehensive technical analysis through demographic depiction of respondents based on distribution frequently, then tests the adopted factors using Exploratory Factor Analysis (EFA) to select and determine the number of factors and related items. In the final stage, data analysis is carried out in the form of the modeling technique using Structure Equations Model (SEM) to test the quality of the models and hypotheses produced. 152 respondents were collected who were sampled in this study, the majority of respondents are 77 Malaysian citizens  and 75  Indonesian residents. At the testing stage of the model through the Structural Equation Model (SEM), based on the results of the formation factors in the test, it can be said that only the knowledge about tax, religious, and service variables have an impact on perception toward through zakat system positively and significantly, but through testing the serviceability of a model results in a determinant coefficient of 0.668, which it was relatively strong to explaining independent variable.
Digital Wallets and Student Finances: Analyzing Behavioral Shifts in the Era of Cashless Payments Ahmad Hafidh Saiful Fikri, Aula; Sholeh, Maimun; Susilowati, Nenden; Roestam Afandi, Muhammad; Febrianto, Indra
Sinergi International Journal of Management and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijmb.v3i4.898

Abstract

The development of financial technology (fintech) has brought significant changes to people's transaction patterns, particularly among university students, with the increasing use of digital wallets. This phenomenon is influenced by various factors, including digital literacy, financial attitude, herd behavior, and these factors impact on financial well-being. Therefore, this study aims to construct a structural model of digital wallet usage and how it impacts the financial well-being of students. This research uses a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to examine the relationships between variables. Data was collected through the distribution of questionnaires to students who actively use digital wallets. The results show that digital literacy has the largest total effect on financial well-being through two pathways: a direct influence and an indirect influence through the use of digital wallets. The total effect of digital literacy is high, making it the dominant predictor in the model. The research results show an R² value for the digital wallet usage variable of 0.508, which falls into the moderate category, while for the financial well-being variable it is 0.723, which falls into the high category. Digital literacy (LD) has established itself as the most fundamental determinant in the digital financial ecosystem. It serves not only as the primary driver of digital wallet (PDD) adoption by enhancing perceived usefulness and ease of use, consistent with the extended technology acceptance model, but also contributes directly and significantly to improving financial well-being (FWB) by facilitating access to financial information and products, aligning with the digital divide theory.
Edukasi dan Pendampingan Literasi Keuangan dan Digital pada Mantan Pekerja Migran Indonesia Riani, Lilia Pasca; Mustofa, Mustofa; Fikri, Aula Ahmad Hafid Saiful; Sholeh, Maimun; Supriyanto, Supriyanto
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 8 No 1 (2024): Volume 8 Nomor 1 Tahun 2024
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/ja.v8i1.21201

Abstract

Indonesian Migrant Workers (PMI) are one of the nation's heroes because they are recognized as a source of foreign exchange for the Indonesian nation. The problems faced are getting caught in debt/online loans, fraud under the guise of investment, and consumerist lifestyles. Looking at the explanation of the problems above, the problem solving solution provided in this Community Service activity is to provide education and assistance regarding financial literacy, ethics, psychology and digital literacy. Activities are carried out in the form of workshops and mentoring for 6 months. The results achieved were the implementation of a workshop with a comprehensive evaluation covering aspects of material, resource persons and facilities where the majority of participants responded very well and were willing to take part in further mentoring activities. From the results of the evaluation of the activity, it can be concluded that this activity is very much needed by participants from PMI because, so they get direct benefits and are more able to control themselves to manage finances including being able to apply digital ethics and refrain from doing negative things in the digital world.
Meta-Analysis of Financial Literacy Antecedents Variables : A Case on Millenials Generation Riani, Lilia Pasca; Fikri, Aula Ahmad Hafidh Saiful; Sholeh, Maimun; Supriyanto, Supriyanto
Proceeding Kilisuci International Conference on Economic & Business Vol. 1 (2023): Proceeding Kilisuci International Conference on Economic and Business
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/r7736e69

Abstract

Research aim : This research is a confirmation study using antecedent variables from the construct of financial literacy to be proven to have a significant relationship if applied to the millennial generation as research subjects. Design/Methode/Approach : Systematic Literature Review Research Finding : As many as 30 antecedent variables were obtained that affect the financial literacy of the millennial generation Theoretical contribution/Originality : The research subjects in the form of relevant research articles were taken through the Google Scholar, Elsevier, Emerald, Garuda portal, etc. as many as 214 articles were detected through the keywords of financial literacy, financial knowledge, retirement, financial decisions, financial management, and financial welfare. The articles were then extracted into only 60 research articles. Of these 60 articles, correlational meta-analysis was carried out. The results of the meta-analysis show that there are 30 antecedent variables that affect the financial literacy of the millennial generation. Practitionel/Policy implication : The results of this study will help policy makers to fill the missing gap between financial literacy programs and the confidence to undertake entrepreneurial ventures. Research limitation : The limitation of this research is that the source of published articles has not reached Scopus indexed journals. so that the possibility of bias in the results of research on each article is still relatively large
THE INFLUENCE OF SELF-EFFICACY, ENTREPRENEURIAL KNOWLEDGE, PARENTAL INCOME MODERATED BY PARENTAL OCCUPATION ON ENTREPRENEURIAL INTENTION AMONG STUDENTS OF STATE VOCATIONAL HIGH SCHOOLS IN CENTRAL BANGKA Sartika Siahaan; Maimun Sholeh
International Journal of Teaching and Learning Vol. 3 No. 6 (2025): JUNE
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine (1) the effect of self-efficacy on students' entrepreneurial intentions, (2) the effect of entrepreneurial knowledge on students' entrepreneurial intentions (3) the effect of parental income on students' entrepreneurial intentions. (4) the influence of parents' work on students' entrepreneurial intentions (5) self-efficacy, entrepreneurial knowledge, and parental income moderated by parental work on entrepreneurial intentions. This research is an expost facto research with a quantitative approach. The study was conducted 296 student as respondents of XII SMK with 14 concentration major using the proportional area random sampling technique. The validation technique was observed using Confirmatory Factor Analysiss (CFA), the reliability test used Cronbach's alpha and the feasibility of the questions with Anbuso 6.1. The data was analysed using multiple linear regression techniques and Moderated Regression Analysis (MRA). The results of the study showed that self-efficacy was partially influential significantly and positive on students' entrepreneurial intentions of 26,6%. The entrepreneurial knowledge partially has significantly and positive effect on students' entrepreneurial intentions of 30,9%. The parental income partially has a significant and positive effect on students' entrepreneurial intentions of 1,380, (4) the work of entrepreneurial parents partially has significantly and positive effect on student entrepreneurial intentions of 4,669. (5) self-efficacy, entrepreneurial knowledge, and parental income could not be moderated by parental work on entrepreneurial intentions with a significance result of 0.016 and t count <t table namely 1,877<1,960. The multiple linear regression analysis showed the coefficient of determination (R square) was 0.395. Furthermore, the independent variables was consisting of self-efficacy, entrepreneurial knowledge, parental income, and parental work are 39.5% and the remaining 61.5% are influenced by another variable.
RESEARCH TRENDS IN SMALL AND MEDIUM ENTERPRISES AND ECONOMIC GROWTH: A BIBLIOMETRIC STUDY Valdyan Drifanda; Kiromim Baroroh; Maimun Sholeh
STABILITY : Journal of Management and Business Vol. 8 No. 2 (2025): Vol 8 No 2 (2025)
Publisher : Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/vcvk8v97

Abstract

This study aims to conduct a bibliometric analysis of literature on Micro, Small, and Medium Enterprises (MSMEs) and economic growth. This study analyzes scientific publications indexed in the Scopus database for the period 2020-2025 to map publication trends, identify leading journals and authors, reveal collaboration patterns, analyze citation impact, and identify key research themes. The results show an increase in research activity in this field, with "Sustainability (Switzerland)" as the main source of publications. Authors such as Batara Surya and institutions such as Bosowa University have made significant contributions. A global collaboration network has been revealed, with China, the United Kingdom, Spain, South Africa, Pakistan, and Malaysia playing important connecting roles. An article by Myovella G (2020) had the highest global citation impact. Key research themes included "SMEs," "economic growth," "innovation," and "sustainability," indicating the evolution of research focus over time. This research provides comprehensive insights into research developments in the field of MSMEs and economic growth, as well as identifying opportunities for further research. The results of this study are expected to be useful for researchers, practitioners, and policymakers interested in MSME and economic growth issues.
THE EFFECTS OF WORK COMPETENCE, WORK MOTIVATION AND INTELLECTUAL EMPLOYEE INTELLIGENCE ON EMPLOYEE PERFORMANCE WITH THE WORK ENVIRONMENT AS A MODERATION VARIABLE AT BAPPEDA SLEMAN REGENCY Sugianto; Maimun Sholeh
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 8 (2026): JULY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21282462

Abstract

The Effect of Work Competencies, Work Motivation and Intellectual Intelligence on Employee Performance with Work Environment as a Moderation Variable at BAPPEDA Sleman Regency. This study aims to analyze the influence of motivational competence and intellectual intelligence on employee performance in BAPPEDA Sleman Regency with the work environment as a moderation variable. This research is a quantitative research using SEM-PLS. The results of the study shows that work competence has a positive and significant effect on employee performance, work motivation does not affect employee performance, intellectualintelligence has a positive and significant effect on employee performance, work environment has no effect on employee performance, work environment US a moderation variable cannot moderate the influence of work competence on employee performance, work environment as a moderation variable cannot moderate the Influence on the Influence of Intellectual Intelligence on Employee Performance, the Work Environment as a Moderation Variable cannot moderate the Influence of Work Motivation on Employee Performance
Does Islamic finance enhance innovation capacity among Indonesian MSMEs? Evidence from a Multivariate Probit Approach Sholeh, Maimun; Karunia, Anisah Novi; Pratista, Ardhana Reswari Hasna; Nurseto, Tejo
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art17

Abstract

IntroductionInnovation capacity is essential for strengthening the competitiveness, productivity, and long-term sustainability of micro, small, and medium enterprises in developing economies. However, many Indonesian micro, small, and medium enterprises continue to face financing constraints that limit their ability to develop new products, improve business processes, reorganize internal capabilities, and adopt new marketing practices. Islamic finance offers a potentially relevant financing mechanism because it is based on Sharia-compliant principles, risk-sharing, asset-backed transactions, and real-sector orientation.ObjectivesThis study examines whether Islamic finance enhances innovation capacity among micro, small, and medium enterprises in Indonesia. Specifically, it analyzes the relationship between Islamic finance and four dimensions of innovation: product innovation, process innovation, organizational innovation, and marketing innovation.MethodThis study uses a quantitative approach based on primary survey data collected from micro, small, and medium enterprises in Yogyakarta and Central Java, Indonesia. The sample consists of Islamic finance users and non-users. Innovation capacity is measured through four binary indicators covering product, process, organizational, and marketing innovation. The data are analyzed using a multivariate probit model, which allows the four innovation outcomes to be estimated jointly while accounting for possible correlations among innovation decisions.ResultsThe findings show that Islamic finance is positively and significantly associated with product innovation, process innovation, and organizational innovation. The marginal effects indicate that Islamic finance users have a higher probability of introducing new or improved products, improving operational methods, and adopting organizational changes. However, Islamic finance is not significantly associated with marketing innovation, suggesting that financing alone may be insufficient to stimulate market-oriented changes such as branding, digital promotion, pricing, and distribution strategies.ImplicationsThe results imply that Islamic financial institutions should move beyond capital provision and support micro, small, and medium enterprises through mentoring, product development assistance, operational upgrading, halal ecosystem support, and digital capability building.Originality/NoveltyThis study contributes to the Islamic finance and innovation literature by analyzing multiple innovation dimensions simultaneously in the Indonesian micro, small, and medium enterprise context using a multivariate probit approach.
Co-Authors Ahmad Hafidh Saiful Fikri, Aula Anisah Novi Karunia Arief Nurrahman Aula Ahmad Hafidh Saiful Fikri daniel eka bonokeling Dian Isnawati Eko Suprayitno Febrika Yogie Hermanto Fikri, Aula Ahmad Hafid Saiful Fitri Yanti Fuadah Johari, Fuadah Indra Febrianto Kiromim Baroroh Lalu Hendra Wijaya Lilia Pasca Riani Mia Muktiana Banowati Mispandi Mustofa Mustofa Nenden Susilowati Ngadiyono Ngadiyono, Ngadiyono Nurfatmawati, Lisa Pratista, Ardhana Reswari Hasna Rahmawati Deylla Handida Rizky Bintang Setiawan Roestam Afandi, Muhammad Sartika Siahaan Seto Indarto Sp, Efvinggo Fasya Jaya Sugianto Supriyanto Supriyanto Tejo Nurseto Tony Wijaya Valdyan Drifanda Wijaya, Lalu Hendra