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All Journal MODELING: Jurnal Program Studi PGMI Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Penelitian Tarbawi: Pendidikan Islam dan Isu-Isu Sosial Ta'dib: Jurnal Pendidikan Islam dan Isu- isu Sosial Jurnal Ilmiah Edunomika (JIE) Bada'a: Jurnal Ilmiah Pendidikan Dasar JIEB : Jurnal Ilmiah Ekonomi Bisnis Jurnal Inovasi Pendidikan dan Sains Jurnal of Applied Business and Banking (JABB) Jurnal Pengabdian Pada Masyarakat IIJSE Journal of Community Empowerment REFORM : JURNAL PENDIDIKAN, SOSIAL DAN BUDAYA Ecoducation Journal of Sharia Economy and Islamic Tourism Jurnal Kajian Hukum dan Sosial
AHMAD HULAIMI, AHMAD
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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PENGARUH LITERASI KEUANGAN SYARIAH DAN KEPERCAYAAN DIGITAL TERHADAP MINAT MENGGUNAKAN QRIS SYARIAH PADA GENERASI Z DI NTB Indri, Indri; Agustina, Ahadiah; Hulaimi, Ahmad
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) 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.v9i1.2568

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan kepercayaan digital terhadap minat menggunakan QRIS Syariah pada Generasi Z di Nusa Tenggara Barat (NTB). Latar belakang penelitian didasarkan pada pesatnya perkembangan sistem pembayaran digital berbasis syariah, khususnya QRIS Syariah, yang menuntut kesiapan generasi muda dari aspek pemahaman keuangan syariah serta tingkat kepercayaan terhadap teknologi digital. Penelitian ini menggunakan pendekatan kuantitatif dengan desain kausal dan melibatkan 100 responden dari kalangan Generasi Z Muslim di NTB. Pengumpulan data dilakukan melalui kuesioner skala Likert dan dianalisis menggunakan statistik deskriptif, uji normalitas, serta regresi linear berganda. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap minat menggunakan QRIS Syariah (β = 0,194; p = 0,023 < 0,05). Kepercayaan digital juga berpengaruh positif dan signifikan (β = 0,358; p < 0,001). Secara simultan, kedua variabel memberikan kontribusi sebesar 22,3% terhadap variasi minat penggunaan QRIS Syariah. Temuan ini menegaskan bahwa peningkatan pemahaman prinsip keuangan syariah serta penguatan kepercayaan terhadap keamanan dan keandalan sistem digital berperan penting dalam meningkatkan minat Generasi Z menggunakan QRIS Syariah.
The Influence of Sharia Financial Literacy and Customer Trust on Interest in Using Sharia Fintech in NTB Fadillah, Nur; Ariani, Zaenafi; Hulaimi, Ahmad
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) 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.v9i1.2572

Abstract

This study aims to analyze the effect of Islamic financial literacy and customer trust on the interest in using Islamic fintech in West Nusa Tenggara (NTB). This study was conducted to fill the gap in previous studies, which mostly focused on the interest in using digital services without examining actual financial behavior, such as saving in Islamic banks. The research uses a quantitative approach with a survey method of 122 respondents selected purposively. Data were collected through a Likert scale-based questionnaire and analyzed using multiple linear regression after classical assumption tests were conducted to ensure the model's feasibility. The results show that Islamic financial literacy has a positive and significant effect on interest in using Islamic fintech, while customer trust also strengthens interest in usage, although its contribution is smaller. Simultaneously, both variables are able to explain 73.2% of the variation in respondents' interest in Islamic fintech services. These findings emphasize the importance of improving Islamic financial education and strengthening public trust in Islamic-based digital financial institutions as a strategy to expand financial inclusion in the digital era. This study also provides direction for the development of Islamic fintech products and marketing strategies that are relevant to the characteristics of the younger generation as the dominant users.
Retraction: (Etika Bisnis Islam Pedagang Sapi dan Dampaknya terhadap Kesejahteraan Pedagang di Kecamatan Masbagik Kabupaten Lombok Timur) Ahmad Hulaimi
Justicia Islamica Vol 14 No 1 (2017)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/justicia.v14i1.1218

Abstract

This study aims to analyze the application of Islamic business ethics among cattle traders and its impact on their welfare in Masbagik District, East Lombok Regency. The research method used a qualitative approach with data collection techniques through in-depth interviews, observations, and document studies. The results showed that the implementation of Islamic business ethics principles, such as honesty, justice and social responsibility, had a significant effect on improving the economic and social welfare of the traders. However, there are also some obstacles in its implementation, such as the lack of in-depth understanding of sharia and market pressure. This study provides recommendations for businesses and policy makers to strengthen Islamic financial literacy and encourage ethical business practices to improve people's welfare.
STRATEGI PEMBERDAYAAN EKONOMI UMAT BERBASIS KULINER SYARIAH DAN LITERASI DIGITAL UNTUK KOMUNITAS MAJELIS TAKLIM BAITURRAHMAN PESONA GRIYA ASRI Zaki, Muhammad; Hidayanti, Nur Fitri; Ariani, Zaenafi; Rahmawati, Endang; Ilham, Ilham; Hulaimi, Ahmad
Journal of Community Empowerment Vol 5, No 1 (2026): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v5i1.35973

Abstract

ABSTRAKPelaku usaha kuliner yang tergabung dalam Komunitas Majelis Taklim Baiturrahman Pesona Griya Asri menghadapi berbagai permasalahan dalam pengelolaan usaha, khususnya pengelolaan keuangan yang masih tradisional, belum melakukan perhitungan Harga Pokok Produksi (HPP) secara sistematis, mencampur keuangan usaha dengan keuangan pribadi, serta memiliki keterbatasan literasi digital untuk mendukung pemasaran produk. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas ekonomi umat melalui pemberdayaan pelaku usaha kuliner berbasis prinsip syariah dan literasi digital sehingga mampu mengelola usaha secara lebih profesional dan berdaya saing. Metode pelaksanaan menggunakan pendekatan partisipatif-terintegrasi melalui Focus Group Discussion (FGD) untuk identifikasi kebutuhan, workshop perhitungan HPP dan pencatatan keuangan digital, pelatihan literasi digital meliputi fotografi produk dan pemanfaatan media sosial serta e-commerce, seminar fikih muamalah, serta pendampingan dan monitoring pascapelatihan. Kegiatan dilaksanakan di Perumahan Pesona Griya Asri, Lombok Barat, dengan mitra sasaran anggota Majelis Taklim Baiturrahman yang memiliki usaha kuliner, melibatkan sebanyak 25 peserta. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai perhitungan HPP, meningkatnya kemampuan dalam menggunakan aplikasi pencatatan keuangan digital, tumbuhnya konsistensi dalam melakukan pencatatan keuangan usaha secara rutin, meningkatnya pemanfaatan platform digital untuk pemasaran produk, serta meningkatnya pemahaman peserta terhadap praktik bisnis yang sesuai dengan prinsip ekonomi syariah sehingga mendukung penguatan kapasitas usaha kuliner masyarakat secara berkelanjutan.Kata kunci: Pemberdayaan Ekonomi; Kuliner Syariah; Literasi Digital; UMKM.ABSTRACTCulinary entrepreneurs who are members of the Majelis Taklim Baiturrahman Pesona Griya Asri community face various challenges in managing their businesses, particularly in financial management which is still traditional in nature. Many of them have not systematically calculated the Cost of Goods Sold (COGS), still mix business finances with personal finances, and have limited digital literacy to support product marketing. This community service activity aims to enhance the economic capacity of the community through the empowerment of culinary entrepreneurs based on sharia principles and digital literacy so that they are able to manage their businesses more professionally and competitively. The implementation method employed a participatory-integrated approach through Focus Group Discussions (FGD) to identify needs, workshops on COGS calculation and digital financial record-keeping, digital literacy training including product photography and the utilization of social media and e-commerce platforms, seminars on fiqh muamalah, as well as post-training mentoring and monitoring. The activity was conducted in the Pesona Griya Asri Housing Area, West Lombok, targeting members of the Majelis Taklim Baiturrahman who run culinary businesses, involving a total of 25 participants. The results of the activity indicate an increase in participants’ understanding of COGS calculation, improved ability to use digital financial recording applications, growing consistency in conducting routine business financial records, increased utilization of digital platforms for product marketing, and enhanced understanding of business practices in accordance with sharia economic principles, thereby supporting the sustainable strengthening of community-based culinary enterprises. Keywords: Economic Empowerment; Sharia Culinary; Digital Literacy; MSMEs.
PENGEMBANGAN KERAJINAN GERABAH MELALUI PENYULUHAN SISTEM PEMBAYARAN CASH ON DELIVERY DALAM PERSPEKTIF MUAMALAH ISLAM Hulaimi, Ahmad; Dewi, Novi Yanti Sandra
Journal of Community Empowerment Vol 5, No 1 (2026): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v5i1.38828

Abstract

ABSTRAK                                                                                     Kerajinan gerabah merupakan salah satu bentuk usaha mikro berbasis kearifan lokal yang tidak hanya memiliki nilai ekonomi, tetapi juga merepresentasikan identitas budaya masyarakat setempat. Dalam praktiknya, pengrajin gerabah masih menghadapi keterbatasan dalam aspek pemasaran dan sistem transaksi yang mampu menjamin kepercayaan konsumen sekaligus selaras dengan prinsip syariah. Salah satu permasalahan utama yang dihadapi mitra adalah rendahnya pemahaman mengenai sistem pembayaran Cash on Delivery (COD) dalam perspektif muamalah Islam, sehingga penerapannya belum optimal dan belum sepenuhnya dimanfaatkan sebagai strategi penguatan kepercayaan pasar. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan kapasitas pengrajin gerabah dalam menerapkan sistem pembayaran COD yang sesuai dengan prinsip-prinsip muamalah Islam. Metode pelaksanaan kegiatan meliputi penyuluhan berbasis edukasi syariah, diskusi partisipatif, serta pendampingan praktik transaksi yang menekankan kejelasan akad dan keadilan para pihak. Mitra kegiatan adalah kelompok pengrajin gerabah yang berjumlah 20 orang. Evaluasi dilakukan melalui pre-test dan post-test untuk mengukur peningkatan pemahaman, serta observasi terhadap simulasi transaksi. Hasil kegiatan menunjukkan adanya peningkatan pemahaman mitra sebesar 35% terkait konsep COD dalam Islam, disertai dengan meningkatnya kesiapan mitra dalam mengimplementasikan sistem transaksi yang transparan, adil, dan berorientasi pada kepercayaan konsumen. Penerapan sistem COD berbasis syariah berkontribusi terhadap penguatan relasi produsen dan konsumen serta membuka peluang perluasan pemasaran produk gerabah.Kata kunci: Kerajinan Gerabah; System Pembayaran; Cash On Delivery; Muamalah Islam. ABSTRACTPottery craftsmanship is a form of micro-enterprise rooted in local wisdom that carries both economic potential and cultural significance. In practice, pottery craftsmen continue to face limitations in marketing and transaction systems that are able to ensure consumer trust while remaining compliant with Islamic principles. One of the main challenges encountered by the partners is the limited understanding of the Cash on Delivery (COD) payment system from the perspective of Islamic transactions (muamalah), resulting in suboptimal implementation. This community service program aims to enhance the understanding and capacity of pottery craftsmen in applying a sharia-compliant COD payment system. The methods employed include sharia-based counseling, participatory discussions, and mentoring on transaction practices that emphasize clarity of contract and fairness between parties. The partners involved were 20 pottery craftsmen. Evaluation was conducted through pre-test and post-test assessments to measure knowledge improvement, as well as observation of transaction simulations. The results indicate a 35% increase in participants’ understanding of COD transactions in Islamic law, accompanied by improved readiness to implement transparent and fair transaction systems. The application of a sharia-based COD system contributes to strengthening producer–consumer trust and expanding market opportunities for pottery products. Keywords: Pottery Craftsmanship; Payment Systems; Cash On Delivery; Islamic Commercial Transactions.
Co-Authors Abd. Hafiz Abdillah, Muhammad Zaki Abdul Hayyi Akrom Ahadiah Agustina Anwar, Muh. Samsul Aqodiah Ariani, Zaenafi Baiq Halimatuz Zuhrotul Aini Dewi, Novi Yanti Sandra Endang Rahmawati, Endang Fitriani, Siti Nurul Gina Elfida H. Hudatullah H. Imanuddin Hamdi Hamdi Heri Hadi Saputra Hidayanti, Nur Fitri Hidayanti, Nur Fitria Ilham Ilham Indri Indri Ismail Thoib Juma, Asmawati Khairuddin Khairuddin Khairuddin Khairuddin Lisa Anggraini Lubna Maimun MOH. HUZAINI, MOH. Muhammad Wildan Muhammad Zaki Muhibuddin Abdul Aziz, H. Hudatullah Muhirdan Muhirdan Nur Aini NUR AINI Nur Fadillah, Nur Nurul Laila, Nurul Nur’aini Nur’aini Sahri Sahri Said, Khaeruddin Sanwani Suci Canda Ati SUPRAPTO TGH Hudatullah MZ Veni Edrian Winengan Zaenul Wahyudi