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Sharia Mental Accounting in The Development of Halal MSMEs for Generation Z in Medan City Abdul Hadi Ismail; Riyan Pradesyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3952

Currently, the government has focused on economic recovery, after the spread of the covid 19 virus that hit the country of Indonesia. One of the instruments taken by the government to improve or restore the economy is by developing MSMEs. In this digital era, the government is developing digital-based MSMEs, so for this reason, the government’s target in this case is MSMEs managed by Generation Z, who understand digitalization. Along with the development of digital-based MSMEs, there are several obstacle factors faced, such as a lack of understanding of financial management, overloading raw material purchases, combining business money with daily money, and the high consumptive level of generation Z. These problems have resulted in many MSMEs that are managed by generation Z. This problem has resulted in many MSMEs managed by generation Z experiencing bankruptcy to bankruptcy, for this reason, sharia mental accounting is needed in building halal MSMEs in generation Z. This study aims to obtain a mental accounting model in building halal MSMEs in Medan City. The research approach used is quantitative, with the SmartPLS analysis tool, with Islamic financial literacy as a mediating variable. The results obtained that mental accounting affects the development of halal MSMEs for Generation Z through financial literacy as a mediating variable. Then Mental accounting from the Maqasid Sharia perspective has a significant effect on the development of halal MSMEs in Medan City through Islamic financial literacy as a mediating variable. Future research is expected to use other mediation variables that can influence Generation Z in developing Halal MSMEs.

HALAL MSMEs DEVELOPMENT MODEL THROUGH THE APPLICATION OF BUSINESS COMPETITION FIQH Abdul Hadi Ismail; Khairunnisa Khairunnisa
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7121

One of the main problems that occur in the development of halal MSMEs is the complex and expensive halal certification process. This study aims to obtain a halal MSME development model through business competition fiqh. This research will also later explore related to the fiqh of business competition which is not widely known by Halal MSMEs. The research method used is quantitative description. The result 1) tstatistic 3.932> 1.96, P value of 0.000 <0.05 (Significant) then Marketing, has no effect on the development of Halal MSMEs. 2) t-statistic 0.630 < 1.96, Pvalue 0.592 > 0.05 (Not Significant) then Digital literacy and product innovation have no effect on the development of Halal MSMEs. 3) H3: X3 Against Y = t-statistic 2.902> 1.96, Pvalue 0.004 <0.05 (Significant) then product innovation has an effect on the development of Halal MSMEs. 4) Then Z against Y = t-statistic 1.310 < 1.96, pvalue 0.191 > 0.05 (Not Significant) . MRA (Moderated Regression Analysis): 5) H5 : X1*Z on Y: -0.056 (negative / weakening), pvalue 0.529 > 0.05 (Not Significant) then Fiqh of Business competition does not play a role in moderating the marketing relationship with the development of Halal MSMEs. 6) H6 : X2 * Z to Y: 0.090 (positive, pvalue 0.281> 0.05 (Not Significant) then Fiqh competition does not play a role in moderating the relationship between digital literacy and the development of Halal MSMEs. 7) H7: X3 * Z to Y: -0.087 (positive, pvalue 0.064> 0.05 (Not Significant) then Fiqh competition does not play a role in moderating the relationship between Product Innovation and the development of Halal MSMEs.

The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Riyan Pradesyah; Fahriani Astuti Sitepu; Abdul Hadi Ismail
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values to increase user interest among halal MSMEs.

The Effect of Halal Literacy and the Burden of Management Costs on the Interest of MSMEs in the Halal Certification Process Abdul Hadi Ismail; Sariyanto; Riyan Pradesyah; Munawaroh Munawaroh
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.720

The low level of halal certification ownership among Micro, Small, and Medium Enterprises (MSMEs) remains a significant issue amidst the increasing market demand for halal products. This issue is thought to be influenced by low halal literacy among business actors and their perceptions of the cost burden of halal certification processing. This study aims to analyze the influence of halal literacy and the cost burden of processing on MSMEs' interest in the halal certification process in Medan City. This study uses a quantitative approach with a survey method. Data collection was conducted through the distribution of online questionnaires using Google Forms to MSMEs in Medan City. The data obtained were then tabulated and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The analysis includes testing the measurement model (validity and reliability) and the structural model to examine the relationship between variables. The results show that halal literacy has a positive and significant effect on MSMEs' interest in processing halal certification. This indicates that the higher the level of understanding of MSMEs regarding the halal concept and the benefits of certification, the greater their interest in participating in the halal certification process. On the other hand, the burden of administrative costs does not have a significant effect on the interest of MSMEs, which shows that the cost factor is not a primary consideration in business actors' decision-making.

The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Riyan Pradesyah; Fahriani Astuti Sitepu; Abdul Hadi Ismail
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values to increase user interest among halal MSMEs.

The Effect of Halal Literacy and the Burden of Management Costs on the Interest of MSMEs in the Halal Certification Process Abdul Hadi Ismail; Sariyanto; Riyan Pradesyah; Munawaroh Munawaroh
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.720

The low level of halal certification ownership among Micro, Small, and Medium Enterprises (MSMEs) remains a significant issue amidst the increasing market demand for halal products. This issue is thought to be influenced by low halal literacy among business actors and their perceptions of the cost burden of halal certification processing. This study aims to analyze the influence of halal literacy and the cost burden of processing on MSMEs' interest in the halal certification process in Medan City. This study uses a quantitative approach with a survey method. Data collection was conducted through the distribution of online questionnaires using Google Forms to MSMEs in Medan City. The data obtained were then tabulated and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The analysis includes testing the measurement model (validity and reliability) and the structural model to examine the relationship between variables. The results show that halal literacy has a positive and significant effect on MSMEs' interest in processing halal certification. This indicates that the higher the level of understanding of MSMEs regarding the halal concept and the benefits of certification, the greater their interest in participating in the halal certification process. On the other hand, the burden of administrative costs does not have a significant effect on the interest of MSMEs, which shows that the cost factor is not a primary consideration in business actors' decision-making.

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