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Halal Tourism Development Strategy in Indonesia Husni Pasarela; Andri Soemitra; Zuhrinal M Nawawi
Konfrontasi: Jurnal Kultural, Ekonomi dan Perubahan Sosial Vol 9 No 1 (2022): Konfrontasi: March
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/konfrontasi2.v9i1.188

The tourism industry has several goals, including to meet the physical, spiritual and intellectual needs of every tourist with recreation and travel and can improve the community's economy in order to realize the welfare of the community. Development StrategyHalal tourism is an alternative for the tourism industry in Indonesia along with the development of halal tourism which is part of the global Islamic economy industry. The rapid development of tourism has given rise to a new trend of developing halal tourism. However, its development still faces several obstacles and becomes a challenge in various parts of Indonesia. This study aims to describe the obstacles and challenges in the development of halal tourism in Indonesia and propose strategies that can be used to overcome these obstacles and challenges. This study uses a qualitative descriptive approach for data collection and uses content analysis techniques. The results of the study show that the obstacles to the development of halal tourism are the unprepared human resources and the lack of in-depth understanding of stakeholders and the community regarding the concept of developing halal tourism, community participation, which lacks innovation in promotional programs and inadequate facilities. Meanwhile, the challenges are the absence of regulations regarding the development of halal tourism in Indonesia and the lack of halal certification from the Indonesian Ulema Council.

Pengaruh Kualitas Pelayanan Frontliner Terhadap Kepuasan Nasabah Iqbal Sitompul; Andri Soemitra
Cakrawala Repositori IMWI Vol. 5 No. 2 (2022): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v5i2.107

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kualitas pelayanan frontliner terhadap kepuasan nasabah pada PT. Pegadaian (Persero) UPC Pancing-Medan. Data yang digunakan adalah data primer dan pendekatan kuantitatif. Ada 100 orang karyawan UPC Pancing yang berpartisipasi dalam penelitian ini Penelitian ini menggunakan analisis regresi linear berganda sebagai teknik analisisnya. Kualitas pelayanan (X) sebagai variable independent mencakup bukti langsung, keandalan, daya tanggap, jaminan dan empati dan kepuasan nasabah sebagai variable terikat. Menurut penelitian ini secara simultan kualitas pelayanan (X) yang terdiri dari bukti langsung, keandalan, daya tanggap, jaminan dan empati mempunyai pengaruh terhadap kepuasan secara positif dan signifikan. Hasil penelitian secara parsial menunjukkan bahwa keandalan berpengaruh signifikan terhadap kepuasan, jaminan berpengaruh signifikan terhadap kepuasan, dan empati berpengaruh signifikan kepuasan.

FAKTOR - FAKTOR YANG MEMPENGARUHI PENGHIMPUNAN DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA Mutiara Shifa; Andri Soemitra; Sugiyanto Sugiyanto
Jurnal Indonesia Sosial Sains Vol. 3 No. 02 (2022): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

The purpose of this study is to identify and analyze the factors that influence the accumulation of deposits in Mudharabah, an Islamic bank in Indonesia. The independent variables in this study are interest rate (X1), inflation (X2) and savings (X3), and the dependent variable is Mudarabah deposits. This study adopts quantitative research method. Quantitative research is research that uses data in numerical form. The results of the study show that interest rates have no significant effect on the mudharabah deposit component of Islamic commercial banks in Indonesia. This means that there is no influence between the interest rate variable (X1) on Mudharabah Deposits, Inflation has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the Inflation variable (X2) has a significant effect on Mudharabah Deposits, Financing To Deposit Ratio (FDR) has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the effect of the FDR variable (X3) on Mudharabah Deposits, Interest Rates, Inflation, and FDR simultaneously (simultaneously) has a significant effect on Mudharabah Deposits at Islamic Commercial Banks in Indonesia

Pengaruh Kualitas Pelayanan Frontliner Terhadap Kepuasan Nasabah Iqbal Sitompul; Andri Soemitra
Cakrawala Repositori IMWI Vol. 5 No. 2 (2022): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v5i2.107

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kualitas pelayanan frontliner terhadap kepuasan nasabah pada PT. Pegadaian (Persero) UPC Pancing-Medan. Data yang digunakan adalah data primer dan pendekatan kuantitatif. Ada 100 orang karyawan UPC Pancing yang berpartisipasi dalam penelitian ini Penelitian ini menggunakan analisis regresi linear berganda sebagai teknik analisisnya. Kualitas pelayanan (X) sebagai variable independent mencakup bukti langsung, keandalan, daya tanggap, jaminan dan empati dan kepuasan nasabah sebagai variable terikat. Menurut penelitian ini secara simultan kualitas pelayanan (X) yang terdiri dari bukti langsung, keandalan, daya tanggap, jaminan dan empati mempunyai pengaruh terhadap kepuasan secara positif dan signifikan. Hasil penelitian secara parsial menunjukkan bahwa keandalan berpengaruh signifikan terhadap kepuasan, jaminan berpengaruh signifikan terhadap kepuasan, dan empati berpengaruh signifikan kepuasan.

The Embracing Digital Banking: An Innovation Acceptance Model Perspective in Indonesian Islamic Banks M. Fauzan; Andri Soemitra; Marliyah
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2006

Background: This study investigates the determinants of users’ behavioral intention to adopt Islamic digital banking in Indonesia through the lens of the Innovation Acceptance Model (IAM). The purpose of this research is to identify which factors business support, perceived trust, perceived ease of use, perceived usefulness, attitude, perceived behavioral control, and perceived economic considerations significantly influence adoption intention Method: A mixed-methods design was employed, combining Structural Equation Modeling Partial Least Squares (SEM-PLS) to assess demand-side perceptions with Analytic Network Process (ANP) to prioritize supply-side strategies for Islamic banks Results: The findings reveal that business support, trust, ease of use, usefulness, attitude, and behavioral control positively and significantly shape behavioral intention, while the economic factor does not exert a significant effect. This suggests that in the context of Islamic finance, trust, Sharia compliance, security, and convenience outweigh financial considerations in driving adoption. The results also highlight the pivotal role of institutional support and digital literacy in shaping favorable perceptions, especially among student and young adult users who formed the majority of the sample. Conclusion: The novelty of this research lies in applying IAM to Islamic digital banking, demonstrating that not all theoretical constructs universally apply, thereby offering opportunities for contextual refinement of the model. Practically, the study emphasizes the need for Islamic banks to enhance support services, ensure visible Sharia compliance, simplify user experiences, and strengthen trust mechanisms. Overall, this research contributes to both theory and practice by broadening the understanding of digital banking adoption within a faith-based financial system. findings, implications, and the novelty of the study

The Impact of Understanding Microinsurance and Risk Mitigation on the Business Resilience of Microinsurance Participating MSMEs Nova Fitri Yasdiana; Andri Soemitra; Isnaini Harahap
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3272

This study aims to analyze the influence of microinsurance understanding and risk mitigation on the business resilience of microinsurance participating MSMEs in Medan's Central Market Center. This research uses a quantitative method with the SEM-PLS approach through the SmartPLS 4 application, with a sample of 95 respondents selected using a purposive sampling technique. The results of the data analysis indicate that the Microinsurance Understanding variable has a positive and significant influence on MSME business resilience (t = 3.379; p = 0.001). In contrast, the Risk Mitigation variable does not show a significant influence on MSME business resilience (t = 0.367; p = 0.714). This is influenced by the very high conceptual overlap in the eyes of respondents between the two independent variables (HTMT = 0.982), where business actors consider concrete risk mitigation actions to be inherent in the microinsurance instrument itself. Simultaneously, this model is able to explain the variance in MSME business resilience by 37.2% (R^2 = 0.372). These findings indicate that deepening insurance literacy is a crucial key to increasing the financial resilience of business actors in the face of economic uncertainty.

SAFEGUARDING FINANCIAL STABILITY, PROMOTING TRADE: THE ROLE OF THE INDONESIA DEPOSIT INSURANCE CORPORATION IN INDONESIA’S EXPORT–IMPORT PERFORMANCE Syilvana Dwi Novianti; Andri Soemitra; Anggi Pratiwi Sitorus
Journal of Development Economics and Digitalization, Tourism Economics Vol. 3 No. 1 (2026): Januari
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jdedte.v3i1.3409

This study examines the role of the Indonesia Deposit Insurance Corporation in safeguarding financial stability and its implications for Indonesia’s export–import performance. While deposit insurance schemes are primarily designed to maintain confidence in the banking system, their broader macroeconomic effects particularly on international trade remain underexplored. This research addresses this gap by analyzing the transmission mechanism from deposit insurance policy to trade performance through financial stability channels. Using a Structural Vector Autoregression (SVAR) framework, the study employs five key variables: the guaranteed interest rate set by the deposit insurance authority as a proxy for deposit insurance policy, the non-performing loan ratio as an indicator of banking sector stability, the policy interest rate, the exchange rate, and export performance. Quarterly time-series data for Indonesia are utilized to capture dynamic interactions and structural shocks among policy, financial, and real-sector variables.The impulse response analysis reveals that shocks to deposit insurance policy contribute to improvements in banking stability, reflected in lower non-performing loan ratios, which subsequently support export performance over the medium term. These findings suggest that deposit insurance institutions play a broader macroeconomic role beyond financial safety nets, indirectly fostering trade performance by enhancing financial system resilience. The study provides important policy insights by highlighting the strategic contribution of deposit insurance to financial stability and international trade, reinforcing the need for coordinated financial and trade policies in emerging economies.

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