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All Journal SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi El-Qish: Journal of Islamic Economics Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Economic Reviews Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Magister Ekonomi Syariah ShariaBiz International Journal of Economics and Business
Yudhi Kurniawan Zahari
Universitas Islam Al-Azhar
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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PENGARUH PENGETAHUAN PRODUK DAN LITERASI KEUANGAN TERHADAP KEPUTUSAN BERTRANSAKSI PADA KSPPS GUMARANG AKBAR SYARIAH Yudhi Kurniawan Zahari
JURNAL KOMPETITIF : MEDIA INFORMASI EKONOMI PEMBANGUNAN, MANAJEMEN DAN AKUNTANSI Vol 7 No 1 (2021): Ekonomi Pembangunan, Manajemen dan Akuntansi
Publisher : Fakultas Ekonomi Universitas Islam Al-Azhar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.467 KB) | DOI: 10.47885/kompetitif.v7i1.356

Abstract

This study raises the title of the effect of product knowledge and financial literacy on transaction decisions at KSPPS gumarang akbar syariah. This study aims to determine the positive and significant effect partially and simultaneously product knowledge and financial literacy on transaction decisions at KSPPS Gumarang Akbar Syariah. The method used in this research is quantitative method with multiple linear regression analysis tools, this research is a field research with primary data and uses respondents as many as 50 people. Product knowledge has a positive and significant effect on transaction decisions at KSPPS Gumarang Akbar Syariah. It can be seen from the t value in the product knowledge variable of 1.805 with sig. amounted to 0.007 (p <0.05). This value is less than the significance level of 0.05. It can be stated that product knowledge has a positive and significant effect on transaction decisions at KSPPS Gumarang Akbar Syariah. Financial literacy has a positive and significant effect on transaction decisions at KSPPS Gumarang Akbar Syariah, it can be seen from the t value in the financial literacy variable of 1.503 with sig. amounted to 0.004 (p <0.05). This value is less than the significance level of 0.05. It can be stated that the financial literacy variable has a positive and significant effect on transaction decisions at KSPPS Gumarang Akbar Syariah. The contribution of product knowledge and financial literacy to transaction decisions at the KSPPS Gumarang Akbar Syariah is 0.695 or 69.05 percent, while the remaining 30.05 percent is influenced by other variants outside the research model.
Peluang dan Tantangan Pengembangan Usaha Mikro Kecil Menengah (UMKM) dari Berbagai Aspek Ekonomi I Putu Septian Adi Prayuda; Abdul Basit; Yudhi Kurniawan Zahari; Reza Arviciena Sakti
Economic Reviews Journal Vol. 3 No. 3 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i3.528

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are productive economic entities owned by individuals or private business entities that meet the criteria for micro, small, or medium enterprises. In practice, MSME actors face various challenges and issues frequently encountered in the development of MSMEs. This study aims to identify the opportunities and challenges in the development of Micro, Small, and Medium Enterprises (MSMEs) from various economic aspects. The study is interested in examining the conditions of MSMEs that manage to survive under pressure, delving deeper into and providing an analysis of the challenges faced by MSMEs as well as the opportunities that can be leveraged to improve their performance, using a systematic literature review method. It is hoped that this study will provide further policy recommendations to enhance MSME strength as an opportunity and empower MSMEs in facing various challenges. The research findings indicate that Digital Marketing, Human Resources (HR), and Financial Literacy play crucial roles in creating markets and integrating into global supply chains. However, to ensure that the digital economy benefits MSME growth in Indonesia optimally, challenges such as limited access and technology infrastructure, as well as deficiencies in financial literacy, digital marketing, and human resources, need to be effectively addressed. MSMEs that can adapt to technological advancements and innovate their products will be able to compete with their rivals in the increasingly advanced digital economy.  
SYSTEMATIC LITERATURE REVIEW: THE ROLE OF MSMES (MICRO, SMALL AND MEDIUM ENTERPRISES) IN IMPROVING COMMUNITY WELFARE Basit, Abdul; Mahsun, Mahsun; Sakti, Reza Arviciena; Zahari, Yudhi Kurniawan; Prayuda, I Putu Septian Adi
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 4 No. 3 (2024): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v4i3.102

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the economic development of Indonesia. They significantly contribute to employment, local economic growth, and poverty reduction. However, MSMEs face challenges such as limited access to capital, technological gaps, and human resource development. This research examines the role of MSMEs in improving community welfare, focusing on their contributions to income generation, job creation, innovation, and local economic diversification. Using a qualitative approach and literature review methodology, this study synthesizes secondary data from various sources, including academic journals, government regulations, and statistical data. The findings show that MSMEs contribute to community welfare by creating job opportunities, increasing local production, and driving innovation. Key indicators of welfare, such as income, housing, education, and health, are influenced by the growth of MSMEs. The study concludes that strengthening MSMEs can enhance the economic well-being of Indonesian society, highlighting the need for government support to address existing challenges and ensure sustainable development
Integration of Shariah Economy in Sustainable Business Development: The Role of CSR in Achieving SDG's Goals Reza Arviciena Sakti; Yudhi Kurniawan Zahari; Septian Adi Prayuda; Abdul Basit
El-Qish: Journal of Islamic Economics Vol. 4 No. 2 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

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

Abstract

This research aims to explore the integration of Islamic economic principles in sustainable business development, highlighting the role of Corporate Social Responsibility (CSR) in supporting the achievement of the Sustainable Development Goals (SDGs). Islamic economics, which is based on the values of justice, social responsibility, and balance, offers a relevant framework for businesses committed to sustainability. This research adopts a qualitative approach with literature study and document analysis methods to identify the contribution of Sharia CSR in strengthening the social, economic, and environmental aspects of the SDGs. The results suggest that the application of sharia principles in CSR can enhance positive impacts on communities and the environment, as well as improve corporate reputation sustainably. This integration not only strengthens the company's position in the market, but also contributes significantly to achieving SDGs targets, such as poverty reduction, education enhancement, and environmental preservation. These findings emphasize the importance of adopting Shariah values in corporate CSR strategies to support sustainable businesses that are more inclusive and equitable.
Pengetahuan Produk Investasi Syariah dan Literasi Keuangan terhadap Keputusan Investasi yang dimoderasi oleh Religiusitas: Studi pada Mahasiswa Perguruan Tinggi Islam dan Perguruan Tinggi Umum Yudhi Kurniawan Zahari; Fachrozi; Kukuh Tondoyekti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5013

Abstract

The decision to invest in sharia among students of Islamic Religious Universities (PTAI) or public universities (PTU) can be influenced by several factors. A comprehensive understanding of Sharia-compliant investments' concepts, types, and characteristics can significantly influence an individual's propensity to invest according to Islamic principles. This study aims to investigate the impact of Sharia investment product knowledge and financial literacy on PTAI and PTU students' investment decisions, with religiosity as a moderator. This study will use a quantitative approach using the survey method. The data collection process will involve administering questionnaires to a purposively selected sample of students through an online survey or direct distribution on campus. The hypotheses were tested using the Smart PLS version 4.1 program. The results showed that Product Knowledge and Financial Literacy variables affect the Investment Decisions of PTAI students. While Religiosity only moderates the effect of Product Knowledge on the Investment Decisions of PTAI Students, Product Knowledge and Financial Literacy do not affect the Investment Decisions of PTU Students. Religiosity cannot moderate Product Knowledge and Financial Literacy on Investment Decisions of PTU Students.
Peningkatan kapasitas UMKM melalui pelatihan pengolahan Virgin Coconut Oil (VCO) dan perizinan operasional pada Desa Wisata Tete Batu Kabupaten Lombok Timur Windiasari, Titin; Rosmiati, Rosmiati; Zahari, Yudhi Kurniawan; Mayasni, Yayuk; Ramadhan, Radhitya Putra
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 4 (2024): December
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i4.27099

Abstract

AbstrakDesa Tete Batu merupakan salah satu desa wisata andalan yang dimiliki oleh Kabupaten Lombok Timur dikarenakan pada saat musim liburan tiba diperkirakan hampir 200 wisatawan per hari yang datang berkunjung baik wisatawan domestic maupun internasioanal. Menilik hal tersebut sudah sewajarnya setiap pelaku usaha mempersiapkan diri untuk memfasilitasi kebutuhan wisatawan dalam penyediaan akomodasi, transportasi, konsumsi dan lainnya sehingga mampu bersaing dengan destinasi wisata lainnya yang ada di NTB. Untuk itu pelaku UMKM dirasa sangat perlu para merancang, mengelola dan mengembangkan produk demi meningkatkan kinerja Usaha Mikro Kecil Menengah guna meningkatkan pendapatan masyarakat yang mandiri serta berkelanjutan. Bentuk konsentrasi UMKM yang terkait dengan pengembangan produk yaitu izin operasional berupa registrasi Nomor Induk  Berusaha (NIB),  Sertifikasi Pangan  Industri Rumah  (PIRT) dan sertifikasi Halal . Tujuan dari kegiatan pengabdian ini adalah untuk memperkuat kesadaran dan keahlian pelaku UMKM dalam hal memenuhi peraturan dan standar kualitas yang telah ditentukan. Pelatihan yang dilakukan antara lain adalah melakukan sosialisasi guna memberikan informasi peluang dan manfaat pendaftaran NIB, PIRT dan sertifikasi Halal. Selain itu pelaku UMKM juga diberikan pelatihan bagiamana pengolahan Virgin Coconut Oil (VCO) yang merupakan salah satu komoditas andalan yang ada di Desa. Hasil dari kegiatan pengabdian ini yaitu bahwa pelaku UMKM memiliki pengetahuan dan pemahaman yang jauh lebih baik mengenai pentingnya kepatuhan terhadap peraturan dan standar kualitas. Penerapan sertifikasi NIB, PIRT dan halal pada produk di desa Tete Batu sehingga memberikan dampak positif   terhadap   tingkat   kepercayaan   konsumen dan menjangkau pasar yang lebih luas. kunci: NIB; PIRT; halal; VCO AbstractTete Batu Village is one of the main tourist villages owned by East Lombok Regency because when the holiday season arrives it is estimated that almost 200 tourists per day come to visit, both domestic and international tourists. Considering this, it is natural for every business actor to prepare themselves to facilitate tourists' needs in providing accommodation, transportation, food and so on so that they are able to compete with other tourist destinations in NTB. For this reason, it is felt that MSME actors really need to design, manage and develop products to improve the performance of Micro, Small and Medium Enterprises in order to increase independent and sustainable community income. Forms of MSME concentration related to product development are operational permits in the form of Business Identification Number (NIB) registration, Home Industry Food Certification (PIRT) and Halal certification. The aim of this service activity is to strengthen the awareness and expertise of MSME players in fulfilling predetermined regulations and quality standards. The training carried out included conducting outreach to provide information on the opportunities and benefits of registering for NIB, PIRT and Halal certification. Apart from that, MSMEs are also given training on how to process Virgin Coconut Oil (VCO), which is one of the mainstay commodities in the village. The result of this service activity is that MSME players have much better knowledge and understanding of the importance of compliance with regulations and quality standards. The implementation of NIB, PIRT and halal certification on products in Tete Batu village has had a positive impact on the level of consumer confidence and reached a wider market. keyword: NIB; PIRT; halal; VCO
Analisis Produk Halal Dalam Ekonomi Syariah Global Sakti, Reza Arviciena; Basit, Abdul; Zahari, Yudhi Kurniawan; Prayuda, I Putu Septian Adi
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 8 No 2 (2025): Artikel Riset Juli 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v8i2.2180

Abstract

Penelitian ini bertujuan untuk menganalisis dinamika, tantangan, dan peluang produk halal dalam mendukung pertumbuhan ekonomi syariah global. Menggunakan metode kualitatif dengan pendekatan studi literatur, penelitian ini mengintegrasikan empat teori utama: Teori Inovasi, Teori Ekonomi Syariah, Teori Diffusion of Innovation, serta Triple Bottom Line dan Nilai Keberlanjutan. Hasil penelitian menunjukkan bahwa inovasi produk halal, penerapan prinsip halal dan thayyib, strategi difusi inovasi yang efektif, serta komitmen pada keberlanjutan sosial dan lingkungan, menjadi faktor kunci dalam meningkatkan daya saing produk halal di pasar internasional. Penelitian ini menegaskan pentingnya sinergi inovasi, etika syariah, dan keberlanjutan untuk menjadikan produk halal sebagai standar kualitas global yang inklusif.
Financial Literacy, Financial Attitudes, and Self-Control Towards Financial Management Practice in MSME In West Nusa Tenggara Zahari, Yudhi Kurniawan; Reza Arviciena Sakti; Abdul Basit; Oliver William Knight
Jurnal Magister Ekonomi Syariah Vol. 4 No. 1 Juni (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2025.041-01

Abstract

This study aims to analyze the influence of financial literacy, financial attitude, and self-control on financial management behaviour among Micro, Small and Medium Enterprises (MSMEs) in West Nusa Tenggara Province. The background of this study stems from the persistent challenges of weak financial management among MSMEs, often caused by low financial literacy and poor financial attitudes. The research employs a quantitative method with a survey approach, using structured questionnaires to collect data from MSME actors across various districts and cities in the region. To test the proposed hypotheses, the data were analysed using multiple linear regression analysis, which allowed for the examination of the simultaneous influence of the independent variables on financial management behaviour. The results indicate that financial literacy, financial attitude, and self-control each have a positive and statistically significant effect on financial management behaviour. Specifically, financial literacy enhances the ability of MSME actors to budget, maintain accurate records, and plan effectively, while a positive financial attitude and strong self-control facilitate better financial decision-making. These findings underscore the importance of enhancing financial education and promoting behavioural competencies to improve financial practices among MSMEs. The study offers valuable implications for policymakers, financial institutions, and MSME stakeholders in designing empowerment strategies that incorporate both financial knowledge and behavioural reinforcement.
Enhancing Human Resources Competency in Indonesia Tourism Villages Novantini Samodra, Vegalyra; Zahari, Yudhi Kurniawan; Arviciena Sakti, Reza
ShariaBiz International Journal of Economics & Business Vol. 1 No. 2 (2024)
Publisher : Fakultas Agama Islam Universitas Islam Al-Azhar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36679/shariabiz.v%1i2.34

Abstract

This study explored enhancing human resources in Indonesian tourism villages by emphasizing competency development for resilience, competitiveness and sustainability. It developed the New Public Governance (NPG) model and analyzed the ideal scenario and gaps in effectively implementing the model for tourism village human resources. The NPG model was designed from critically analyzing global literature on the interaction between governance, sustainable development and tourism. The study was conducted in Senggigi tourism village involving local government, residents, businesses, visitors and communities. Methods used were literature review, observation and interviews. The results proposed the NPG model to address challenges through collaboration, stakeholder engagement, flexibility, risk management and performance measurement. The ideal scenario highlighted the role of government and stakeholder collaboration in sustainable tourism development. Gaps identified included limited resources, engagement and bureaucratic instability. Addressing these requires coordinated efforts to build capacity, improve structures and foster inclusive, sustainable tourism.
Co-Authors Abdul Basit Abdul Basit Abdul Basit FACHROZI. F I Putu Septian Adi Prayuda Mahsun Mahsun Mayasni, Yayuk Novantini Samodra, Vegalyra Oliver William Knight Ramadhan, Radhitya Putra Reza Arviciena Sakti Rosmiati Rosmiati Septian Adi Prayuda Titin Windiasari Tondoyekti, Kukuh