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All Journal Jurnal Ulul Albab Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Community Development Journal: Jurnal Pengabdian Masyarakat Equity: Jurnal Ekonomi Jurnal Pengabdian kepada Masyarakat Journal of Economic, Business and Engineering (JEBE) Proceedings of The ICECRS JEBI (Jurnal Ekonomi dan Bisnis Islam) IIJSE Journal of Community Empowerment NuCSJo : Nusantara Community Service Journal Advance Sustainable Science, Engineering and Technology (ASSET) Journal of Sharia Economy and Islamic Tourism JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis
Nur Fitri Hidayanti
Universitas Muhammadiyah Mataram
Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Mechanical Engineering Public Health Social Sciences Other

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SHARIA PEER-TO-PEER LENDING AND ISLAMIC FINANCIAL LITERACY IN ENHANCING MSMES’ ACCESS TO FINANCING: EVIDENCE FROM MATARAM CITY Nur Fitri Hidayanti; Sahman Sahman
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.v7i2.10980

Abstract

This study examines the influence of Sharia Peer-to-Peer (P2P) lending usage and Islamic financial literacy on MSMEs’ access to financing in Mataram City. MSMEs play a strategic role in economic development; however, limited access to formal financing remains a major challenge. The growth of sharia-based fintech services, particularly P2P lending, provides an alternative funding source, which is expected to be strengthened by adequate Islamic financial literacy. This research employed a quantitative approach using an associative survey design. Data were collected through a structured closed-ended questionnaire measured on a five-point Likert scale and distributed online. A total of 133 MSME actors were selected using purposive sampling. The collected data were analyzed using multiple linear regression with IBM SPSS. The results indicate that Sharia P2P lending usage has a positive and significant effect on MSMEs’ access to financing (β = 0.367, p < 0.001), and Islamic financial literacy also shows a positive and significant effect (β = 0.454, p < 0.001). Simultaneously, both variables significantly influence access to financing (F = 59.734, p < 0.001), with an explanatory power of 47.9% (R² = 0.479). These findings highlight the importance of integrating sharia fintech adoption and strengthening Islamic financial literacy to enhance MSMEs’ financing accessibility. In terms of novelty, this study provides empirical evidence on the simultaneous role of sharia fintech and Islamic financial literacy in improving MSMEs’ access to financing within a developing regional context that remains underexplored in prior studies. This study contributes empirically to the development of Islamic financial inclusion and provides practical implications for policymakers and fintech providers in supporting sustainable MSME growth.
Faktor Penentu Adopsi Qris dari Perspektif Literasi Keuangan, Kemudahan Penggunaan, dan Inovasi Teknologi Nur Fitri Hidayanti; Zaenafi Ariani; M. Taufik Akbar
Ulul Albab: Majalah Universitas Muhammadiyah Mataram Vol 29, No 2 (2025): Juli
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jua.v29i2.33462

Abstract

Abstrak: Penelitian ini penting dilakukan karena adopsi QRIS sebagai sistem pembayaran digital yang semakin berkembang memerlukan pemahaman mendalam mengenai peran literasi keuangan, kemudahan penggunaan, dan inovasi teknologi dalam meningkatkan penerimaan serta kepercayaan pengguna di berbagai lapisan masyarakat. Penelitian ini bertujuan untuk menganalisis dan mensintesis temuan-temuan yang telah ada guna memperoleh pemahaman yang lebih mendalam mengenai hubungan antara literasi keuangan, kemudahan penggunaan, dan inovasi teknologi dalam mendorong adopsi QRIS. Metode yang digunakan adalah SLR dengan sumber literatur yang berasal dari Google Scholar, DOAJ, dan Scopus, serta dibatasi pada publikasi yang terbitan 10 tahun terakhir. Hasil penelitian menunjukkan bahwa literasi keuangan berperan penting dalam meningkatkan pemahaman individu terhadap manfaat dan risiko sistem pembayaran digital, sedangkan kemudahan penggunaan menjadi faktor utama yang menarik pengguna dari berbagai latar belakang demografis. Inovasi teknologi, seperti enkripsi data, otentikasi transaksi, dan integrasi dengan kecerdasan buatan, turut berkontribusi dalam meningkatkan kepercayaan pengguna terhadap QRIS. Namun, masih terdapat tantangan dalam bentuk kesenjangan literasi digital, persepsi risiko keamanan, serta kurangnya pemahaman pengguna terhadap mekanisme perlindungan data. Oleh karena itu, diperlukan pendekatan yang lebih holistik yang mengintegrasikan literasi keuangan, digitalisasi, dan inovasi teknologi guna mempercepat adopsi QRIS secara luas dan berkelanjutan.Abstract: This research is important because the growing adoption of QRIS as a digital payment system requires an in-depth understanding of the role of financial literacy, ease of use, and technological innovation in increasing user acceptance and trust at various levels of society. This research aims to analyze and synthesize existing findings to gain a deeper understanding of the relationship between financial literacy, ease of use, and technological innovation in driving QRIS adoption. The method used is SLR with literature sources from Google Scholar, DOAJ, and Scopus, and limited to publications published in the last 10 years. The results show that financial literacy plays an important role in improving individuals' understanding of the benefits and risks of digital payment systems, while ease of use is the main factor that attracts users from various demographic backgrounds. Technological innovations, such as data encryption, transaction authentication, and integration with artificial intelligence, also contribute to increasing user trust in QRIS. However, challenges remain in the form of digital literacy gaps, perceived security risks, and users' lack of understanding of data protection mechanisms. Therefore, a more holistic approach that integrates financial literacy, digitalization, and technological innovation is needed to accelerate the widespread and sustainable adoption of QRIS.
PENGARUH KUALITAS LAYANAN TELLER DAN COSTUMER SERVICE TERHADAP KEPUASAN NASABAH DI BANK NTB SYARIAH Muhammad Danu Pratama; Zaenafi Ariani; Nur Fitri Hidayanti
Jesya 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 E-Money Usage Frequency and Understanding of Sharia Principles on Millennial Consumptive Behavior Merry; Nur Fitri Hidayanti; Zaenafi Ariani; Mukhlishin
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.592

Abstract

The utilization of electronic money (e-money) has significantly increased in the era of digitalization, altering the consumption patterns of Muslim millennials in Mataram. This study aims to investigate the impact of the frequency of e-money usage and the level of understanding of Sharia principles on Sharia-compliant consumption behavior. Employing a quantitative research design, the study surveyed 93 respondents selected through simple random sampling. Data analysis was conducted using multiple linear regression with the assistance of SPSS software. The findings reveal that the frequency of e-money usage exerts a positive and statistically significant influence on consumption behavior aligned with Sharia principles, exhibiting a coefficient of 54.4% and a significance value of 0.00. Furthermore, the understanding of Sharia values demonstrates a positive effect of 28.3%, with a significance value of 0.013. Collectively, these two variables exert a robust influence on Sharia-oriented consumption behavior, as indicated by an F value of 51.99 and an R-squared value of 52.6%. These results suggest that an increased frequency of e-money usage, coupled with a deeper understanding of Sharia principles, corresponds to more ethical and balanced consumption behavior among Muslim millennials. Consequently, it is imperative to enhance digital literacy in conjunction with strengthening Sharia financial literacy, ensuring that the adoption of financial technology aligns with the objectives of Maqashid al-Syariah in fostering economic welfare and accountability in the digital age.
The Impact of Sharia Fintech and People's Business Credit (KUR) on the Sustainability of MSMEs in Mataram City Safina; Nur Fitri Hidayanti; Zaenafi Ariani; Mukhlishin
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.598

Abstract

This study aims to analyse the impact of Sharia Fintech and People's Business Credit (KUR) on the sustainability of MSMEs in Mataram City. This study is important because MSMEs still have limited access to financing, so the use of technology-based financial services and subsidised credit programmes is necessary to support business continuity. The study uses a quantitative approach with a survey method of 100 MSME actors selected through purposive sampling. The research instrument is a questionnaire with a 1–5 Likert scale, which is then analysed using multiple linear regression through SPSS version 22. The results show that Sharia Fintech has a positive and significant effect on the sustainability of MSMEs, as reflected in increased access to financing, operational efficiency, and innovation capabilities. In addition, KUR also has a positive and significant effect on the sustainability of MSMEs through capital strengthening, increased production capacity, and improved business stability. Simultaneously, both variables were proven to contribute significantly to the sustainability of MSMEs in Mataram City. Thus, it can be concluded that the integration of Sharia-based technology financing and government credit programmes can improve the sustainability performance of MSMEs and has the potential to become a strategic instrument in local economic development.
Artificial Intelligence in Personalized Marketing: Strategies for Enhancing Consumer Engagement Syaharuddin; Nur Fitri Hidayanti; Dedy Iswanto; Nurul Hidayati Indra Ningsih
Advance Sustainable Science Engineering and Technology Vol. 7 No. 2 (2025): February-April
Publisher : Science and Technology Research Centre Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/df5dwp69

Abstract

This study examines the use of artificial intelligence (AI) in personalized marketing to boost consumer engagement. Using a systematic literature review from Scopus, DOAJ, and Google Scholar, it finds that AI helps predict consumer behavior, optimize communication, and deliver real-time adaptive content. These capabilities enhance customer satisfaction and loyalty. However, challenges such as data privacy, ethical concerns, and the need for human oversight remain. The study recommends investing in AI-driven analytics, automation, and dynamic content strategies to improve customer experience and interaction. 
Co-Authors Abdul Wahab Abdurrahman Abdurrahman Ahmad Hulaimi Ahmad Hulaimi Aqodiah Aqodiah B. Busaini, B. Baiq Ida Astini Baiq Reinalda Triyunarni Baiq Reinelda Tri Yunarni Dedy Iswanto Devi Sastika Wiramaya ENDANG RAHMAWATI Hairuddin Said Ilham Ilham Khaeruddin Said M Musfiatul Wardi M. Taufik Akbar Magomed Tazhdinov Mardiah Hayati Merry MOH. HUZAINI Mos Indrawati Muhammad Danu Pratama Muhammad Hudri Muhammad Zaki Muhirdan Muhirdan Mukhlishin Ningsih, Nurul Hidayati Indra Nur Aini Nur'aini Nur'aini Rohayu H, Rina Safina Sahman Z Siti Lamusiah Suci Canda Ati Syaharuddin Syaharuddin Syaharuddin Syahrul Ramadhan Veni Edrian Zaenafi Ariani