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Qanun of Islamic Financial Institutions Implementation and Cooperatives Responses: Experience from Aceh Khairil Umuri; Teuku Muhammad Syahrizal; Hendra Halim; Junia Farma
Al-Buhuts Vol. 19 No. 1 (2023): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i1.3387

Abstract

Implementing Qanun No. 10 of 2018 concerning Islamic Financial Institutions requires that every financial institution in Aceh must operate according to sharia principles. Cooperatives, a financial institution in Aceh, are also required to convert into sharia cooperatives. In the journey of becoming a sharia cooperative, several obstacles are faced. So, this study wants to analyze how the readiness of cooperatives in Aceh to convert into sharia cooperatives. The research uses a qualitative approach with descriptive analysis in the form of a field (filed research). The results found, firstly, several obstacles faced by cooperatives in the conversion process, such as a lack of understanding of cooperative management towards LKS qanuns, lack of support from local governments, burdensome changes to AD/ART, and the lack of cooperative DPS. Conversion process activities can be carried out by changing AD/ART according to sharia legality, changing managerial, IT and contract systems according to sharia, and providing understanding to cooperative management and members about sharia cooperatives. In addition, training and socialization regarding sharia cooperatives are also needed, as well as encouraging religious activities. So to support the conversion process, support from all related parties is needed, such as the Cooperatives and SMEs service, the Aceh Aceh Sharia Council (DSA), and the cooperative.
What Determines the Interest in Investing to Gold Savings at Pegadaian Syariah? Nur Masyithah; Ridwan Nurdin; Khairil Umuri; Hendra Halim
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 9, No 2 (2023): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v9i2.12590

Abstract

Sharia pawnshops are a financial institution that plays an important role in society. One of the products offered is gold investment. This study examines the effect of knowledge and promotions mediated by motivation on interest in investing in gold in sharia pawnshops. The object of the study was carried out in Banda Aceh City with 100 respondents spread across 9 districts. Determination of respondents using purposive sampling technique and analyzed by path analysis model. The results found that there was a positive effect of knowledge and promotion on the motivation to invest in gold. Promotion and investment also have a positive effect on interest in investing in gold. Meanwhile, knowledge does not have a positive effect on interest in gold investment. Other results found that motivation is not able to mediate knowledge of interest in investing in gold. However, knowledge can be mediated by the motivation to invest gold in sharia pawnshops. So, sharia pawnshops must increase promotion and outreach to the community so that the gold investment products offered are increasingly in demand.
The Mediating Role of Destination Image on the Effect of Smart Tourism Applications on Behavioral Intentions of Tourists to Aceh: Moderated by Information Search Ahmad Nizam; Sartiyah Sartiyah; Nurul Ilyana Muhd Adnan; Hendra Halim; Khairil Umuri; Teuku Muhammad Syahrizal
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2102

Abstract

Background: This research examines the influence of Smart Tourism Applications on tourists' Behavioral Intentions in Aceh, with Destination Image as a mediating factor and Information Search Behavior as a moderating variable. Method: Using a quantitative approach, the research surveyed tourists who used smart tourism applications during their visit to Aceh. Results: The results reveal that the Smart Tourism Application significantly influences Destination Image, positively affecting tourists' intention to visit or revisit the destination. Furthermore, the destination image is a key mediator that links the Smart Tourism Application to tourists' behavioral intentions. However, Information Search Behavior did not significantly enhance the connection between the application and tourists' behavioral intentions. This indicates that the quality of information offered by the application plays a more critical role in influencing tourists' perceptions and building their confidence. The practical implication of this study is the need to optimize smart tourism applications to support Aceh's Syariah-based tourism by providing comprehensive information about local culture, halal facilities, and religiously guided tourism. Conclusion: This research contributes to the literature on technology in tourism, particularly in religious and cultural destination contexts, and offers insights for developing more effective destination marketing strategies.
Why Do Entrepreneurially Trained Graduates Choose Employment? A Phenomenological Inquiry in Aceh Higher Education Hendra Halim; Meutia Dwi Novita Sari; Khoirul Amri
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.298

Abstract

This phenomenological study investigates why entrepreneurially trained graduates choose employment rather than founding ventures in the Aceh higher-education context. Using Interpretative Phenomenological Analysis (IPA), we conducted semi-structured interviews with 12 alumni who completed entrepreneurship courses/competitions/incubation yet currently work as employees. Analysis generated five superordinate themes: (1) temporary competitive euphoria—competitions boost confidence, networks, and credentials but fade without aftercare; (2) stability rationality and risk aversion—employment is framed as pragmatic adaptation to income needs, market uncertainty, and family obligations; (3) campus-to-market ecosystem gaps—a “missing middle” between pitch events and real operations (financing, compliance, distribution); (4) hybrid career identity and skill transfer—entrepreneurial skills persist via intrapreneurship and low-risk side projects; and (5) temporal opportunity and momentum loss—post-graduation delays narrow windows and disperse teams. We conclude that employment is not an antithesis to entrepreneurship but a meaningful, risk-managing pathway within constrained ecosystems. Practical implications include building a curriculum-to-venture pipeline, staged evidence-gated funding, 6–12-month transition fellowships, one-door compliance/production clinics, anchor-demand partnerships, and formal intrapreneurship tracks. The study reframes the intention–behavior gap as employment-oriented adaptation and suggests longitudinal, multi-site research to test and refine this pathway.
From Embarrassment to Brand Hate: A Netnography of Negative Emotions, Detachment, and Consumer Arrogance in Foreign F&B in Aceh Sorayanti Utami; M. Ridha Siregar; Hendra Halim
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.301

Abstract

This study examines how brand embarrassment escalates into detachment and hate among Acehnese consumers toward foreign F&B brands perceived to be affiliated with Israel. Using qualitative netnography, we observed public discourse across Instagram, TikTok, X, Facebook, YouTube, Google Maps reviews, and food-delivery apps from July 2024 to August 2025. The corpus comprised 512 discourse units and eight focal incidents; 378 units explicitly invoked geopolitical ties. Event-centered coding shows primary triggers were geopolitical affiliation/solidarity (41.3%) and corporate stance/donation controversies (16.1%), followed by service humiliation (19.6%), status threat/face loss (10.3%), and pricing opacity (7.7%); halal-certification uncertainty appeared mainly as a secondary co-argument (12.2% of the geopolitical subset). Embarrassment—direct (in-store) or vicarious (online)—was typically followed by early detachment (unfollow/avoidance/switching within <48 hours) and, when coupled with moralized framing and slow/defensive corporate replies, escalated into brand hate with boycott calls (71.8% of geopolitical-triggered units). Consumer entitlement cues (16.4%) acted as an escalator, prolonging threads. Fast, empathic responses and clear statements about local franchise autonomy shortened escalation. The study contributes an episode-based process model and offers a practical playbook for risk monitoring and recovery in value-sensitive markets.