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All Journal JMM (Jurnal Masyarakat Mandiri) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam JURNAL PENDIDIKAN IPS BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Zulpawati Zulpawati
Jurusan Ekonomi Islam IAIN Mataram
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Impact of The Free Halal Certification Program (Sehati) on The Revenue Growth of Micro, Small, And Medium Enterprises (MSMES) Hidayanti Wildan, Firda; Abdun Natsir, Mohamad; Zulpawati, Zulpawati
IQTISHADUNA Vol. 15 No. 2 (2024): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i2.11335

Abstract

The Indonesian government's role in optimizing the halal economy includes initiatives such as the Free Halal Certification Program (SEHATI) for Micro, Small, and Medium Enterprises (MSMEs), which has demonstrated a substantial impact on income levels. Halal certification has been shown to positively affect revenue growth among MSMEs. In Mataram City, in particular, MSMEs experienced significant increases in income following the acquisition of halal certification. The SEHATI program for MSMEs in Mataram is coordinated by various institutions, including the Halal Center at UIN Mataram, the Ministry of Religious Affairs, the Department of Cooperatives and MSMEs, and the Department of Industry and Trade. The aim of this study is to implement and analyze the impact of the SEHATI Free Halal Certification Program on the income growth of MSMEs in Mataram City. This research employs a qualitative methodology, utilizing field research techniques such as observation, interviews, and data collection through documentation. The findings indicate that the SEHATI program has had a significant impact on the income levels of MSMEs in Mataram City. The implementation of the SEHATI program involves several key elements: first, effective communication; second, human resource development; third, the role and attitude of program implementers; and fourth, the organizational structure, emphasizing the importance of collaboration among implementing bodies. The provision of free halal certification through the SEHATI program has notably increased the income of MSMEs in Mataram City, empowering business owners to market their products with enhanced confidence.
The Influence Of Service Quality On Repurchase Decisions With Customer Satisfaction As An Intervening Variable (Case Study Of Coffee Shop Customers In Mataram City) Rifai, Muhammad; Zulpawati, Zulpawati; Pratiwi, Intan Kusuma
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 16 No. 1 (2025): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v16i1.13656

Abstract

This research aims to determine the influence of service quality on repurchase decisions among coffee shop customers in the city of Mataram which is mediated by customer satisfaction, both direct and indirect influences. This type of research is explanatory research which explains the causal relationship between the variables. The data analysis technique used in this research is a quantitative data analysis technique using statistical methods. The data collection technique uses a questionnaire and the statistical method used is Partial Least Square (PLS) using SmartPLS 4 software. From the results of testing the four hypotheses that have been carried out, it can be concluded that service quality has a significant effect on customer satisfaction among coffee shop customers in the city of Mataram. Customer satisfaction has a significant influence on repurchase decisions for coffee shop customers in the city of Mataram, and service quality has a significant influence on repurchase decisions for coffee shop customers in the city of Mataram. Furthermore, service quality has a significant effect on repurchase decisions for coffee shop customers in the city of Mataram, with customer satisfaction as partial mediation.
Pengelolaan Modal Kerja dalam Menjaga Tingkat Likuiditas dan Profitabilitas Pada BMT- Al Hidayah Lombok Timur Arofah, Ainul; Zaenudinmansyur, Zaenudinmansyur; Zulpawati, Zulpawati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.5012

Abstract

This research aimed to determine the working capital management  in maintaining liquidity and profitability levels and how the impact of the policy which has been implemented. This research was descriptive 0qualitative research using primary and secondary data, with data collection techniques namely observation, interviews and documentation of the financial reports from 2019 to 2021. The analysis used was data reduction, data presentation, drawing conclusions, and financial report analysis used the calculation of liquidity and profitability ratios.The results of the research showed that the working capital management policy used by BMT AI-Hidayah in maintaining the level of liquidity, namely establishing partnerships with sharia banks and non-banks, setting cash budgets, and allocating the funds to branch offices, while the policy used by BMT in maintaining its profitability level was distribution in the funding form. The impact of the policy implemented by BMT in terms of liquidity, namely having sufficient funds in its operations to pay the obligations. It can be seen in the ratio calculation from 2019 to 2021. NWC, current ratio, cash ratio  are in a fairly good category. the impact on the profitability side was that BMT has increased revenue and this can be seen in the ROE calcultion which is in the very good category,  while the ROI calcultion is in the fairly good category.
Pengaruh Label Halal, Harga Dan Citra Merek Terhadap Minat Beli Konsumen Kosmetik Skincare Melalui Aplikasi Tiktok Pada Masyarakat Di Kota Mataram Amaliah, Dina; yusuf, Mohammad; Zulpawati, Zulpawati
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 1 (2024): Article Research Volume 7 Number 1, January 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i1.1430

Abstract

The purpose of the study is to examine the effects of halal labeling, price, and brand image on the purchasing intention of cosmetic or skincare consumers through Tiktok Application among the population of Mataram City. The study utilized a random sampling technique, and the sample size consisted of 100 respondents. It is a quantitative study that employs primary data. The data collection technique used in the study is a questionnaire, and the data analysis tool used is SPSS version 25.0. The quality of the data is tested using validity and reliability tests. The analytical technique used in the study is multiple linear regression, and the study employs partial correlation, simultaneous testing, and determination coefficient testing. Based on the data analysis, the results obtained from the t indicate that the partial effects of halal labeling and brand image significantly influence consumer purchasing intention of cosmetics among the residents of Mataram City. Each independent variable (halal labeling, brand image) has a t-value exceeding the t-table, while the price variable shows insignificant influence as its t-value is less than the t-table. From the F-test, it can be explained that halal labeling, price, and brand image simultaneously have a significant effect on consumer purchasing intention of cosmetics or skincare through TikTok application among the residents of Mataram City. The obtained F-value of 12.642 is greater than the F-table value of 2.72. The coefficient of determination analysis indicates that halal labeling, price, and brand image affect consumer purchasing intention of cosmetics/skincare through TikTok application among the residents of Mataram City by 28.3%, while the remaining 71.7% is influenced by other variables outside of this research model
Dinamika Peran Perempuan Buruh Tani dalam Mempertahankan Stabiitas Ekonomi Rumah Tangga M. Riadul Minan; Baiq Ratna Mulhimmah; Zulpawati, Zulpawati
JURNAL PENDIDIKAN IPS Vol. 15 No. 4 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpi.v15i4.3920

Abstract

Penelitian ini bertujuan untuk mengkaji dinamika peran perempuan buruh tani dalam menjaga stabilitas ekonomi rumah tangga di Desa Kabar, Kecamatan Sakra. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus, yang memungkinkan pengungkapan fenomena secara mendalam dan kontekstual. Data diperoleh melalui observasi, wawancara terstruktur, dan dokumentasi dengan melibatkan perempuan buruh tani sebagai informan utama serta suami, pemberi kerja, dan aparatur desa sebagai informan pendukung. Hasil penelitian menunjukkan bahwa keterlibatan perempuan sebagai buruh tani memiliki kontribusi nyata dalam mempertahankan stabilitas ekonomi keluarga, meskipun pendapatan yang diperoleh bersifat terbatas dan tidak menentu. Pendapatan tersebut berfungsi sebagai penyangga ekonomi rumah tangga dalam memenuhi kebutuhan dasar, seperti pangan, pendidikan anak, dan kesehatan. Selain itu, perempuan buruh tani menjalani peran ganda sebagai pengelola rumah tangga dan pencari nafkah tambahan, serta memiliki peran strategis dalam pengelolaan keuangan keluarga. Keterlibatan perempuan dalam sektor pertanian dipengaruhi oleh keterbatasan pendidikan, jumlah tanggungan keluarga, dan kondisi ekonomi rumah tangga yang rentan. Penelitian ini menegaskan bahwa perempuan buruh tani merupakan aktor penting dalam menjaga ketahanan dan stabilitas ekonomi rumah tangga pedesaan.
PENGUATAN KAPASITAS SUMBER DAYA MANUSIA DALAM PENGELOLAAN KEUANGAN KOPERASI DESA MERAH PUTIH Azkar, Muhammad; Zulpawati, Zulpawati; Hanafi, Syahrul; Mulhimmah, Baiq Ratna; Murtiani, Murtiani; Rohiman, Rohiman
JMM (Jurnal Masyarakat Mandiri) Vol 10, No 2 (2026): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v10i2.37670

Abstract

Abstrak: Koperasi dibentuk untuk meningkatkan perekonomian masyarakat. Namun, seringkali koperasi dikelola secara tidak professional sehingga mengakibatkan kinerja keuangan koperasi menjadi buruk. Pengabdian ini bertujuan untuk meningkatkan soft skill dan hard skill dengan memberikan pelatihan kepada SDM Koperasi Desa Merah Putih yang berada di Kabupaten Lombok Utara (KLU) terkait pengelolaan keuangan koperasi. Kegiatan pengabdian kepada masyarakat dilakukan dengan metode PAR dan dibangun melalui proses (1) Sosialisasi pengelolaan keuangan koperasi yang dimatangkan dengan materi analisis risiko pada pengelolaan keuangan; and (2) Pada hari kedua, materi diperkuat dengan meningkatkan pemahaman para pengelola koperasi melalui Diskusi Kelompok Terfokus (FGD) mengenai manajemen keuangan koperasi. Peserta pelatihan sebanyak 50 peserta yang terdiri dari 40 orang pengurus koperasi desa merah putih Desa Manggala dan 10 orang tokoh masyarakat Desa Manggala. Evaluasi pelaksanaan pengabdian menggunakan angket yang diisi saat pre-test dan post-test. Hasil pengabdian menunjukkan peningkatan pemahaman peserta pada beberapa aspek, yakni (1) perencanaan keuangan meningkat 15%; (2) pengelolaan dana meningkat 11%; (3) pelaporan keuangan meningkat 5%; dan (4) pengawasan dan audit meningkat 7%.Abstract: Cooperatives are formed to improve the community's economy. However, they are often managed unprofessionally, resulting in poor financial performance. This community service program aims to improve soft skills and hard by providing training in financial management for the human resources of the Koperasi Merah Putih in North Lombok. Community service activities were carried out using the PAR method and built through the following process (1) Socialization of cooperative financial management and risk analysis material on financial management; and (2) On the second day, the material was strengthened by increasing the understanding of cooperative managers through Focus Group Discussions (FGD) regarding cooperative financial management. The training participants were 50 participant, consisting of 40 administrators of the koperasi desa merah putih Desa Manggala and 10 community leaders of Desa Manggala. The evaluation of the community service implementation used questionnaires during the pre-test and post-test. The results of the community service showed an increase in participants' understanding in several aspects, namely (1) financial planning increased by 15%; (2) fund management increased by 11%; (3) financial reporting increased by 5%; and (4) supervision and auditing increased by 7%.
Co-Authors Abdun Natsir, Mohamad Amaliah, Dina Aminy, Muhammad Muhajir Arofah, Ainul Azkar, Muhammad Baiq Ratna Mulhimmah Baiq Ratna Mulhimmah Hanafi, Syahrul Hidayanti Wildan, Firda Imronjana Syapriatama Intan Kusuma Pratiwi, Intan Kusuma M. Riadul Minan Mas'ud, Riduan Mohammad Yusuf, Mohammad Muhammad Rifai Murtiani Murtiani Putri, Ardita Herniati Rohiman, Rohiman Rooly, Mohamed Saleem Ahamed Riyad Zaenudinmansyur, Zaenudinmansyur