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All Journal AL QUDS : Jurnal Studi Alquran dan Hadis Jurnal Ilmiah Ekonomi Islam Iqra: Jurnal Ilmu Kependidikan dan Keislaman JMM (Jurnal Masyarakat Mandiri) Jurnal Hukum Ekonomi Syariah Al-Kharaj: Journal of Islamic Economic and Business Inspiring: English Education Journal JURNAL MANAJEMEN DAN BISNIS EQUILIBRIUM International Journal of Health, Economics, and Social Sciences (IJHESS) Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi DIKTUM: JURNAL SYARIAH DAN HUKUM Al-Iftah: Journal of Islamic studies and society DELICTUM : Jurnal Hukum Pidana Islam Indo-Fintech Intellectuals: Journal of Economics and Business Economos : Jurnal Ekonomi dan Bisnis Science and Education Journal Jurnal Keuangan dan Perbankan Syariah An-Nisbah: Jurnal Ekonomi Syariah Intelektual: Jurnal Pendidikan dan Studi Keislaman Islamic Financial And Accounting Review AL-MAIYYAH: Media Transformasi Gender dalam Paradigma Sosial Keagamaan Shi’ar: Sharia Tourism Research
Muzdalifah Muhammadun
Institut Agama Islam Negeri Parepare
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Influence of Motivation and Digital Literacy on Entrepreneurial Interest: A Study of IAIN Parepare Alumni Shonia Moons; Islamul Haq; Syahriyah Semaun; Muzdalifah Muhammadun; Andi Ayu Frihatni
Al-Iftah: Journal of Islamic studies and society Vol. 7 No. 1 (2026): Al-Iftah: Journal of Islamic studies and society
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/aliftah.v7i1.17337

Abstract

This study aims to empirically examine the partial and simultaneous effects of motivation and digital literacy on the entrepreneurial interest of alumni from the State Islamic Institute (IAIN) Parepare. Employing a quantitative method with a causal explanatory approach, research data were systematically gathered via structured questionnaires from a purposive sample of 80 alumni. The collected data were analyzed using multiple linear regression, partial t-tests, simultaneous F-tests, Pearson correlation, and a one-sample t-test. The empirical results demonstrate that motivation and digital literacy simultaneously exert a positive and highly significant effect on entrepreneurial interest, explaining 78.1% of the total variance (R Square = 0.781). Partially, motivation which integrates the psychological need for achievement with the theological foundation of the Islamic work ethic significantly drives entrepreneurial intentions (sig. 0.000; coefficient 0.388). Similarly, digital literacy acts as a crucial pre-business catalyst, significantly boosting entrepreneurial interest (sig. 0.001; coefficient 0.397) by enabling alumni to validate market opportunities and lower perceived risks of business failure. However, the one-sample t-test critically reveals that the actual mean scores for both motivation and digital literacy among alumni are statistically and significantly below the expected standard target value of 70 (mean differences of -13.263 and -25.338 respectively; sig. 0.000). This empirical gap directly explains the currently low absorption rate of graduates into the self-employed sector (only 8% according to tracer study data). Based on these findings, it is highly recommended that higher education institutions systematically intervene by integrating practical digital entrepreneurship competencies into the core academic curriculum. Furthermore, establishing dedicated post-campus business incubation programs is essential to proactively elevate the foundational motivation and technical capacities of graduates, effectively transforming their latent entrepreneurial intentions into successful, sustainable actualized business ventures
Model Pengembangan Usaha Anyaman Bambu dalam Perspektif Maqashid Syariah di Desa Letta: Bamboo Weaving Business Development Model from a Maqashid Sharia Perspective in Letta Village Akbar; Muzdalifah Muhammadun; Nurfadhilah; Andi Bahri; Damirah
Jurnal Keuangan dan Perbankan Syariah Vol 5 No 2 (2026): Agustus 2026
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v5i2.6133

Abstract

Tujuan Penelitian: Penelitian ini bertujuan untuk merumuskan model pengembangan usaha anyaman bambu berbasis maqashid syariah dalam meningkatkan kesejahteraan masyarakat Desa Letta. Desain/metodologi/pendekatan: Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data diperoleh melalui wawancara mendalam dengan pengrajin, observasi lapangan, dan dokumentasi, kemudian dianalisis secara deskriptif kualitatif. Temuan Penelitian: Hasil penelitian menunjukkan bahwa usaha anyaman bambu memiliki peran strategis dalam menopang pendapatan rumah tangga dan memperkuat ekonomi lokal. Namun, pengembangannya masih menghadapi kendala berupa keterbatasan akses modal, rendahnya diversifikasi produk, serta lemahnya akses pasar. Dalam perspektif maqashid syariah, usaha ini telah mencerminkan aspek penjagaan harta (hifz al-mal), keberlangsungan hidup (hifz al-nafs), dan pengembangan kapasitas manusia (hifz al-aql). Kontribusi / Orisinalitas / Kebaruan: Penelitian ini menawarkan model pengembangan usaha yang integratif dan berbasis nilai dengan menggabungkan potensi lokal dan prinsip maqashid syariah melalui penguatan akses pembiayaan, inovasi produk, dan perluasan pasar secara berkelanjutan.
THE INFLUENCE OF MOTIVATION AND COST CONSTRAINTS ON STUDENTS’ INTENTION TO PURSUE PROFESSIONAL ACCOUNTING EDUCATION : EVIDENCE FROM SHARIA ACCOUNTING STUDENTS AT IAIN PAREPARE Nur fasli; Rezki Fani; Muzdalifah Muhammadun; indrayani
Islamic Financial And Accounting Review Vol. 4 No. 2 (2026): Islamic Financial And Accounting Review
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v4i2.16983

Abstract

This study aims to examine the influence of motivation and financial constraints on the interest of students in the Sharia Accounting Study Program at IAIN Parepare in pursuing Professional Accounting Education (PPAk). The study focuses on students’ intention to continue professional accounting education as a pathway toard becoming professional accountants. This research employs a quantitative approach using primary data collected through a questionnaire with a Likert scale. The population consists of Sharia Accounting students at IAIN Parepare from the 2022–2024 cohorts. Based on the predetermined criteria and outlier testing, a total of 119 respondents were included in the final sample. The data were analysed using multiple linear regression with SPSS. The findings indicate that motivation and financial constraints simultaneously influence students’ intention to pursue Professional Accounting Education. Interestingly, this study reveals that financial constraints have a positive effect on students’ interest. Rather than being perceived solely as a barrier, higher educational costs are considered by students as an indicator of quality, reputation, and professional value (price–quality association). This finding provides a broader perspective on the Theory of Planned Behavior (TPB) by demonstrating that perceived behavioural control factors, such as cost considerations, may not always negatively affect intention when accompanied by strong career motivation. The findings highlight the importance of strengthening student motivation and improving access to professional accounting education, particularly within the context of Sharia Accounting education.
THE INFLUENCE OF DIGITAL AND FINANCIAL LITERACY BEHAVIOR TOWARDS CONSUMPTIVE SHOPPING BEHAVIOR ONLINE IN GENERATION Z IN PANANRANG VILLAGE Amalia Ramadhani; Muzdalifah Muhammadun; Arwin
Islamic Financial And Accounting Review Vol. 4 No. 1 (2025): Islamic Financial And Accounting Review
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v4i1.15567

Abstract

The purpose of this study is to describe whether digital financial literacy has an effect on consumptive spending behavior Online in Generation Z. describes whether Financial Behavior Affects Shopping Consumptive Behavior Online in generation Z. This type of research uses quantitative methods. Saturated sampling is used to distribute questionnaires to Generation Z to obtain data. The two forms of data analysis used in this study are multiple regression analysis and descriptive analysis approach. The data processing in this study uses IBM SPSS Statistics 26. The results of the study show that: First, the results of the t-test hypothesis test (Partial) show that the significance value for the X1 variable is 0.04 < 0.05 and the t-calculation value is -2.960 < t-table 1.985 so that it is stated that digital financial literacy has a significant effect on spending consumptive behavior Online with the direction of the negative relationship, the second based on the hypothesis test of the t-test (partial) shows a significant value for the variable X2 of 0.00 < 0.05 with a t-calculated value of 12.530 < t-table 1.985, so it can be stated that Financial Behavior Have a significant effect on consumptive shopping behavior Online with the direction of positive relationships. The F value is calculated as 78.929 > F table 3.09 so that it is stated that there is an influence of variable X on variable Y together (simultaneously). Conclude that the hypothesis in this study is accepted, namely that there is an influence of digital financial literacy variables and Financial Behavior on consumer spending behavior Online generation Z in Pananrang Village, Mattiro Bulu District, Pinrang Regency.
Risk-Based Fiscal Policy: Adopting a Shariah-Compliant Model for Indonesia’s Economic Resilience Muhammad Said; Syahriyah Semaun; Muzdalifah Muhammadun; Andi Bahri; Andi Dinul Islam Firdaus
An-Nisbah: Jurnal Ekonomi Syariah Vol. 12 No. 2 (2025): An-Nisbah (Oktober)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v12i2.11052

Abstract

Amid global economic uncertainty and the limitations of debt-reliant conventional fiscal policies, Indonesia requires a robust framework to enhance economic resilience. Existing approaches often fail to address equitable resource distribution and ethical risk management. This study aims to develop a risk-based fiscal policy model integrated with Shariah principles to address this gap. Employing a qualitative library research method with secondary data analysis from 2021 to 2025, the study formulates a tripartite model comprising sovereign sukuk for infrastructure, zakat for social safety nets, and mudharabah-musyarakah partnerships for public investment. The findings indicate that this integrated approach significantly mitigates fiscal risks by replacing interest-based debt with asset-backed and profit-sharing mechanisms. Projections suggest the model can reduce the debt-to-GDP ratio from 40.9% to below 35%, lower the Gini coefficient to under 0.35, and sustain economic growth above 5%. This research contributes a comprehensive framework for policymakers, offering a practical pathway toward a more equitable, inclusive, and stable economic system aligned with Maqasid al-Shariah.
BANGKITNYA STUDI ISLAM DALAM PENGELOLAAN WISATA SYARIAH DI PANTAI UJUNG TAPE PINRANG Arnis Nurfadilla; Arqam Arqam; Muzdalifah Muhammadun
Shi'ar: Sharia Tourism Research Vol. 1 No. 02 (2023): Shi`ar: Sharia Tourism Research
Publisher : Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/shi`ar.v1i02.3509

Abstract

Expressions of the rise of Islam in the era of globalization are still ambiguous and are understood differently by various people. This article aims to reaffirm the rise of Islamic studies in the management of sharia tourism in Ujung Tape Pinrang Beach. Less than optimal management is the cause of quality governance issues, on the other hand inadequate facilities and lack of awareness of managers are urgent matters to achieve sharia criteria. Therefore, planning issues and inhibiting factors are two things that will be investigated. The investigation was carried out using qualitative methods, case studies. Data obtained through observation, interviews, and documentation. The collected data were analyzed by induction with the help of data triangulation and theory. The results of the study show that tourism management at Ujung Tape Beach has not been carried out holistically and collaboratively, while the obstacles are a) inadequate infrastructure; b) budget constraints; c) limited land; d) lack of community participation and awareness. The solution to this problem, this article proposes to be oriented towards the common good, implement the DSN-MUI Fatwa regarding the implementation of sharia tourism and take best practices for implementing halal tourism which are implemented in West Nusa Tenggara.
Model Pengembangan Usaha Anyaman Bambu dalam Perspektif Maqashid Syariah di Desa Letta: Bamboo Weaving Business Development Model from a Maqashid Sharia Perspective in Letta Village Akbar; Muzdalifah Muhammadun; Nurfadhilah; Andi Bahri; Damirah
Jurnal Keuangan dan Perbankan Syariah Vol 5 No 2 (2026): Agustus 2026
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v5i2.6133

Abstract

Tujuan Penelitian: Penelitian ini bertujuan untuk merumuskan model pengembangan usaha anyaman bambu berbasis maqashid syariah dalam meningkatkan kesejahteraan masyarakat Desa Letta. Desain/metodologi/pendekatan: Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data diperoleh melalui wawancara mendalam dengan pengrajin, observasi lapangan, dan dokumentasi, kemudian dianalisis secara deskriptif kualitatif. Temuan Penelitian: Hasil penelitian menunjukkan bahwa usaha anyaman bambu memiliki peran strategis dalam menopang pendapatan rumah tangga dan memperkuat ekonomi lokal. Namun, pengembangannya masih menghadapi kendala berupa keterbatasan akses modal, rendahnya diversifikasi produk, serta lemahnya akses pasar. Dalam perspektif maqashid syariah, usaha ini telah mencerminkan aspek penjagaan harta (hifz al-mal), keberlangsungan hidup (hifz al-nafs), dan pengembangan kapasitas manusia (hifz al-aql). Kontribusi / Orisinalitas / Kebaruan: Penelitian ini menawarkan model pengembangan usaha yang integratif dan berbasis nilai dengan menggabungkan potensi lokal dan prinsip maqashid syariah melalui penguatan akses pembiayaan, inovasi produk, dan perluasan pasar secara berkelanjutan.
ECO-LIFESTYLE ADOPTION AMONG GENERATION Z: PERSPEKTIF KESADARAN LINGKUNGAN, NORMA SUBJEKTIF DAN RELIGIUSITAS DI KOTA PAREPARE: ECO-LIFESTYLE ADOPTION AMONG GENERATION Z: PERSPEKTIF KESADARAN LINGKUNGAN, NORMA SUBJEKTIF DAN RELIGIUSITAS DI KOTA PAREPARE Pitri; Arwin; Muzdalifah Muhammadun; A. Rio Makkulau Wahyu
Jurnal Manajemen dan Bisnis Equilibrium Vol. 12 No. 1 (2026): Jurnal Manajemen dan Bisnis Equilibrium
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Ngurah Rai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47329/jurnalmbe.v12i1.1825

Abstract

Penelitian dilakukan dengan tujuan menganalisis pengaruh kesadaran lingkungan dan norma subjektif terhadap keputusan penerapan eco lifeststyle&nbsp;pada Generasi Z di Kota Parepare dengan religiusitas sebagai variabel moderasi. Adapun model pendekatan yang digunakan adalah pendekatan kuantitatif metode Partial Least Squares-Structural Equation Modelling (PLS-SEM). Data diperoleh melalui penyebaran kuesioner kepada 126 responden Generasi Z di Kota Parepare yang dipilih menggunakan teknik purposive sampling. Hasil penelitian menunjukkan bahwa kesadaran lingkungan, norma subjektif, dan religiusitas berpengaruh positif dan signifikan terhadap keputusan penerapan eco lifestyle. Religiusitas juga terbukti mampu memperkuat pengaruh kesadaran lingkungan terhadap penerapan eco lifestyle.&nbsp;Namun, religiusitas tidak mampu memoderasi pengaruh norma subjektif terhadap keputusan penerapan eco lifestyle. Norma subjektif menjadi faktor yang paling dominan dalam memengaruhi perilaku eco lifestyle&nbsp;Generasi Z. Penelitian ini memberikan kontribusi dalam pengembangan literatur perilaku konsumsi berkelanjutan dengan mengintegrasikan kesadaran lingkungan, norma subjektif, dan religiusitas dalam satu model penelitian. Kebaruan penelitian terletak pada penggunaan religiusitas sebagai variabel moderasi dalam menjelaskan perilaku eco lifestyle&nbsp;Generasi Z pada konteks masyarakat kota religius.
Co-Authors A. Rio Makkulau Wahyu A. Rio Makkulau Wahyu Abdul Halik Achmad Abubakar Ahmad Dzul Ilmi Syarifuddin Akbar Alifia Zahra Syahril Amalia Ramadhani Amzah Selle Andi Ayu Frihatni Andi Bahri Andi Bahri Andi Bahri S Andi Bahri S. Andi Dinul Islam Firdaus Arnis Nurfadilla Arqam, Arqam Arwin Budiman Budiman Buhaerah Damirah Damirah Darmawati Darmawati Dian Resky Pangestu Dwi Ratnasari Fitriani Fitriani Hamdanah Hamdanah Indrayani Indrayani Islamul Haq Kiki Reski Amalia Lukman Lukman Mahsyar Idris Muflihatussholeha K.H Muh Yusuf Munir Muh. Syahrul Hamka Muhammad Said Mukhtar Yunus Muliati Mustika Ayu Safitri Nur fasli Nurfadhilah Nurfadhilah, Nurfadhilah Nurfadilah Sindika Sari Nurhayati Ali Nurul Qisti Al Ihfa Pitri Rahman Rahman Ramli, Kaharuddin Rezki Fani Sahrani Sahrani Shonia Moons Sri Fatimah Rahmatillah St Aminah Suarning Suarning Sumi Syahriah Semaun Syahriyah Semaun Syamsul Ma&#039;arif Umaima Usman Usman Usman Widya Pribadiyanti Areski