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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): Sharia Economic and Management Business
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.
Karang Taruna Human Resource Competency Development Through Soft Skills and Digital Literacy Training in Pematang Johar Village Lisa Elianti Nasution; Phan Bao Giang; Sipnarong Kanchanawongpaisan; Muhammad Hafiz Abd.Rashid; Hendra Halim; Khoirul Amri; Dedi Irawan
Eastasouth Journal of Effective Community Services Vol 4 No 02 (2025): Eastasouth Journal of Effective Community Services (EJECS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejecs.v4i02.512

Abstract

This community service program was carried out to answer the issue of lack of soft skills and digital literacy competencies among members of the Pematang Johar Village Youth Organization, which has an impact on the suboptimal role of youth in social activities and village development. The focus of this service is to increase communication capacity, leadership, teamwork, and the ability to utilize digital technology. The activity aims to empower youth through strengthening personal and organizational competencies. The methods used are participatory action research (PAR) and practice-based participatory training, which are carried out through soft skills sessions, basic digital literacy, advanced digital literacy, and technical assistance. The results of the activity showed a significant increase in the communication skills, leadership, and digital skills of the participants, the formation of a digital creative team, and the improvement of the organizational culture of Karang Taruna. This program has succeeded in encouraging youth as agents of social change in the village.
HOW CAN SHARIA COOPERATIVES ALLEVIATE POVERTY IN ACEH? Khairil Umuri; Eddy Gunawan; Syahriyal Syahriyal; Hendra Halim
Jurnal Bisnis Dan Kajian Strategi Manajemen Vol 9, No 2 (2025): JURNAL BISNIS DAN KAJIAN STRATEGI MANAJEMEN
Publisher : universitas teuku umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jbkan.v9i2.12851

Abstract

Sharia cooperatives have emerged as an alternative solution in poverty alleviation efforts, especially in Aceh Province, which has officially implemented a Sharia-based financial system. This study aims to explore the role of Sharia cooperatives in empowering impoverished communities through a qualitative descriptive approach informed by a literature review. Based on a review of more than 25 national and international academic sources, this study highlights how sharia cooperatives provide inclusive financial access, create employment opportunities, and promote economic independence, particularly for vulnerable groups, including women and Micro And Small Enterprises (MSMEs). The findings demonstrate that sharia cooperatives not only enhance economic welfare but also foster social solidarity, expand access to decent housing, and integrate Islamic values into community life. In addition, sharia cooperatives also support the achievement of the Sustainable Development Goals (SDGs), especially in the aspects of poverty alleviation (SDG 1) and women's empowerment (SDG 5). Despite facing structural challenges such as low managerial capacity and regulatory support, sharia cooperatives still have great potential as a value-based economic instrument in realizing a just and prosperous society. This study recommends integrating sharia cooperatives into the national digital-based economic ecosystem to strengthen their contribution to inclusive and equitable development.
Understanding the digital ecosystem of MSMEs: An evaluative-descriptive content analysis of readiness, integration, and sustainable transformation Siti Aminah; Khairil Umuri; Khoirul Amri; Hendra Halim
Novera: Journal of Economics and Business Vol. 1 No. 2 (2026): Novera: Journal of Economics and Business
Publisher : PT Bina Perfidia Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67964/dypgz397

Abstract

Digital transformation in micro, small, and medium-sized enterprises (MSMEs) is no longer limited to technology adoption but encompasses organizational readiness, technology integration, business model transformation, and sustainability within digital ecosystems. This study aims to evaluate and synthesize the literature on the development of MSME digital ecosystems, their components and actors, and MSME readiness and strategies for digital transformation. The study employs an evaluative-descriptive design using directed qualitative content analysis of relevant literature. The findings indicate that MSME digital transformation progresses from technology access and adoption toward digital maturity, process integration, capability development, business model innovation, and sustainable transformation, shaped by organizational conditions, ecosystem support, adaptive capabilities, and continuous learning. This study contributes by integrating these dimensions into a more comprehensive understanding of how MSMEs develop and sustain digital transformation within interconnected business environments. Abstrak Transformasi digital UMKM tidak lagi terbatas pada adopsi teknologi, tetapi mencakup kesiapan organisasi, integrasi teknologi, perubahan model bisnis, dan keberlanjutan dalam ekosistem digital. Penelitian ini bertujuan mengevaluasi dan mensintesiskan literatur mengenai perkembangan ekosistem digital UMKM, komponen dan aktornya, serta kesiapan dan strategi UMKM dalam menghadapi transformasi digital. Penelitian menggunakan desain evaluatif-deskriptif dengan pendekatan directed qualitative content analysis terhadap literatur yang relevan. Hasil menunjukkan bahwa transformasi digital UMKM berkembang dari akses dan adopsi teknologi menuju digital maturity, integrasi proses, penguatan kapabilitas, inovasi model bisnis, dan sustainable transformation; proses tersebut dipengaruhi oleh kondisi organisasi, dukungan ekosistem, kemampuan adaptasi, dan pembelajaran berkelanjutan. Penelitian berkontribusi dengan mengintegrasikan berbagai dimensi tersebut dalam pemahaman yang lebih utuh mengenai transformasi digital UMKM.
Religiosity and halal food quality in shaping customer loyalty: The mediating role of perceived value in Banda Aceh Nurmeida Nurmeida; Ridwan Nurdin; Hendra Halim; Meutia Dwi Novita Sari; Syahriyal Syahriyal
Novera: Journal of Economics and Business Vol. 1 No. 2 (2026): Novera: Journal of Economics and Business
Publisher : PT Bina Perfidia Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67964/9p459h90

Abstract

Competition within the halal food industry in Banda Aceh indicates that customer loyalty cannot be explained by halal compliance alone but is also shaped by food quality and consumers’ perceived value. This study aims to examine the effects of religiosity and food quality on customer loyalty and to investigate perceived value as a mediator among Muslim consumers in Banda Aceh. A quantitative cross-sectional design was employed with 100 Muslim consumers selected through purposive non-probability sampling and analyzed using PLS-SEM with SmartPLS 4.0. The results show that religiosity positively affects customer loyalty (β = 0.318) and perceived value (β = 0.449), while food quality positively affects customer loyalty (β = 0.175) and perceived value (β = 0.534). Perceived value also positively affects customer loyalty (β = 0.504). Furthermore, perceived value partially mediates the effects of religiosity (β = 0.226) and food quality (β = 0.269) on customer loyalty. These findings highlight the importance of creating perceived value through consistent food quality and alignment with consumers’ religious expectations to strengthen loyalty toward halal food products. Abstrak Persaingan dalam industri makanan halal di Banda Aceh menunjukkan bahwa loyalitas konsumen tidak cukup dijelaskan oleh pemenuhan standar halal, tetapi juga oleh kualitas makanan dan nilai yang dirasakan konsumen. Penelitian ini bertujuan untuk menganalisis pengaruh religiusitas dan kualitas makanan terhadap customer loyalty serta menguji perceived value sebagai mediator pada konsumen Muslim di Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan desain cross-sectional terhadap 100 konsumen Muslim yang dipilih melalui purposive non-probability sampling dan dianalisis menggunakan PLS-SEM dengan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa religiusitas berpengaruh positif terhadap customer loyalty (β = 0.318) dan perceived value (β = 0.449), sedangkan kualitas makanan berpengaruh positif terhadap customer loyalty (β = 0.175) dan perceived value (β = 0.534). Perceived value juga berpengaruh positif terhadap customer loyalty (β = 0.504). Selain itu, perceived value memediasi secara parsial pengaruh religiusitas (β = 0.226) dan kualitas makanan (β = 0.269) terhadap customer loyalty. Temuan ini menegaskan pentingnya membangun nilai yang dirasakan melalui kualitas makanan yang konsisten dan kesesuaian dengan ekspektasi religius konsumen untuk memperkuat loyalitas terhadap produk makanan halal.
The moderating role of Islamic Apparel Brand Personality in Thai fashion purchase intention through shopping proxy services among Muslim women in Banda Aceh Dara Tazkia Almuna; Novi Indriyani Sitepu; Hendra Halim
Novera: Journal of Economics and Business Vol. 1 No. 2 (2026): Novera: Journal of Economics and Business
Publisher : PT Bina Perfidia Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67964/jhrzpf31

Abstract

Purchasing Thai fashion through shopping proxy services (jastip) provides a cross-border consumption context for examining the roles of consumer attitudes, perceived behavioral control, and Islamic brand personality in Muslim women's purchase intentions. This study aims to examine the effects of attitude and perceived behavioral control (PBC) on purchase intention and test the moderating role of Islamic Apparel Brand Personality (IABP). A quantitative survey was conducted with 150 Muslim women in Banda Aceh selected through purposive sampling, and the data were analyzed using PLS-SEM in SmartPLS 4.0. The results show that attitude (β = 0.471; p < 0.001) and PBC (β = 0.265; p = 0.007) positively and significantly influence purchase intention, whereas IABP does not moderate either relationship. The model explains 75.1% of the variance in purchase intention. These findings extend the application of the Theory of Planned Behavior to cross-border shopping proxy services and indicate that Islamic brand personality does not necessarily strengthen purchase intention. Abstrak Pembelian fesyen Thailand melalui jasa titip (jastip) menghadirkan konteks konsumsi lintas negara yang menarik untuk menguji peran sikap, persepsi kontrol perilaku, dan karakter merek Islami dalam membentuk niat beli perempuan Muslim. Penelitian ini bertujuan menganalisis pengaruh sikap dan perceived behavioral control (PBC) terhadap niat membeli serta menguji peran moderasi Islamic Apparel Brand Personality (IABP). Penelitian menggunakan pendekatan kuantitatif melalui survei terhadap 150 perempuan Muslim di Banda Aceh yang dipilih dengan teknik purposive sampling, dengan analisis PLS-SEM menggunakan SmartPLS 4.0. Hasil menunjukkan bahwa sikap (β = 0,471; p < 0,001) dan PBC (β = 0,265; p = 0,007) berpengaruh positif dan signifikan terhadap niat beli, sedangkan IABP tidak memoderasi kedua hubungan tersebut. Model menjelaskan 75,1% variasi niat beli. Temuan ini memperluas penerapan Theory of Planned Behavior dalam konteks jastip lintas negara dan menunjukkan bahwa karakter merek Islami tidak otomatis memperkuat niat beli.