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All Journal Jurnal Akuntansi Muhammadiyah JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh J-ISCAN : Journal of Islamic Accounting Research ABDIMU: Jurnal Pengabdian Muhammadiyah Jurnal Ragam Pengabdian Jurnal Kolaborasi Akademika Global Research in Economics and Advanced Theory Sumber Informasi Manajemen Bisnis dan Akuntansi
Hendri Mauliansyah
Fakultas Ekonomi Unviersitas Muhamamdiyah Aceh
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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RELIGIOSITY AND ETHICAL DECISION-MAKING IN ISLAMIC FINANCE: EVIDENCE FROM ACEH Hendri Mauliansyah; Sharihan Bin Shahidan
GLOBAL RESEARCH IN ECONOMICS AND ADVANCE THEORY (GREAT) Vol 2 No 4 (2025): GREAT Journal
Publisher : GREET

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/greatjournal.v2i4.83

Abstract

This study explores how religiosity operates as a behavioral and moral foundation for ethical decision-making in Islamic finance within the distinctive socio-legal context of Aceh, Indonesia. Unlike prior studies that conceptualize ethical conduct primarily as an outcome of formal Shariah compliance, this research adopts an interpretive perspective to examine how religious values are internalized, negotiated, and enacted in everyday financial practices. Drawing on qualitative data from in-depth interviews and focus group discussions with Islamic finance practitioners, Shariah scholars, community leaders, and small business actors, the study employs thematic analysis to uncover the moral logics underlying ethical financial behavior. The findings demonstrate that religiosity functions not merely as an individual attribute but as a socially embedded moral framework shaped by communal norms, institutional trust, and local regulatory arrangements. Participants consistently framed ethical financial decisions as religious obligations rooted in accountability to God, while simultaneously navigating tensions between Shariah ideals and market-based economic pressures. These tensions were particularly salient among small business actors who confronted practical constraints in maintaining Shariah compliance while pursuing financial sustainability. The study further reveals that ethical decision-making is mediated by financial literacy and perceptions of institutional credibility, suggesting that religiosity alone is insufficient without supportive educational and organizational structures. This research contributes to qualitative and critical scholarship in Islamic finance and business ethics by advancing a contextualized understanding of religiosity as a relational and practice-based phenomenon. The findings highlight the importance of integrating ethical education, community engagement, and institutional governance to strengthen ethical integrity and long-term sustainability in Islamic financial systems.
Navigating Modern Retail Competition: Adaptation and Digital Transformation of MSMEs Hendri Mauliansyah; Budi Safatul Anam
SUMBER INFORMASI MANAJEMEN BISNIS DAN AKUNTANSI Vol 1 No 2 (2024): Jurnal SIMBAN
Publisher : Gabungan Riset Edukasi dan Ekplorasi Teori (GREET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/simban.v1i2.22

Abstract

This study examines how micro, small, and medium enterprises (MSMEs) navigate modern retail competition through adaptation strategies and digital transformation. Drawing on a qualitative design complemented with survey-based validation, the research explores the challenges and opportunities faced by MSMEs in adopting technological solutions to enhance competitiveness. Semi-structured interviews with MSME owners, alongside survey data, were analyzed using thematic analysis and descriptive statistics. The findings reveal three critical dimensions: first, the adoption of innovative strategies such as omnichannel integration, product diversification, and customer engagement through digital platforms; second, the role of digital transformation, where e-commerce adoption, digital payment systems, and data-driven decision-making significantly improve operational efficiency and market reach; and third, persistent barriers including financial constraints, limited digital literacy, and cultural resistance that undermine successful adoption. Case studies, such as Warung Pintar in Indonesia and artisan cooperatives in Kenya, illustrate how digital tools can improve resilience, expand customer bases, and foster collaboration among MSMEs. The study highlights that enterprises capable of aligning digital tools with consumer preferences and building collaborative ecosystems are more likely to achieve sustainable competitiveness. The research contributes to the literature by integrating adaptation and digital transformation into a unified framework, while offering managerial and policy implications for promoting inclusive digitalization and strengthening MSME resilience in an increasingly competitive retail landscape.
Exploring Consumer Perceptions Of E-Wallet Usage In Shopping Practices: A Qualitative Study In Indonesia Hendri Mauliansyah; Kiki Putri Amelia
SUMBER INFORMASI MANAJEMEN BISNIS DAN AKUNTANSI Vol 2 No 1 (2025): Jurnal SIMBAN
Publisher : Gabungan Riset Edukasi dan Ekplorasi Teori (GREET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/simban.v2i1.28

Abstract

This study explores consumer perceptions of e-wallet usage in shopping practices within the Indonesian context, where digital financial services are rapidly reshaping payment behavior. Using a qualitative design, data were collected through semi-structured interviews and focus groups with 30 participants representing diverse ages, income levels, and geographic locations. Thematic analysis revealed three key findings. First, convenience, transaction speed, promotional incentives, and integration with other digital services emerged as the primary benefits driving adoption, particularly among younger and tech-savvy consumers. Second, concerns over data security, fraud, hidden fees, and technical glitches remained significant barriers, limiting broader trust and acceptance. Third, demographic factors, especially age and digital literacy, strongly shaped adoption patterns, with younger generations showing higher enthusiasm compared to older users. The study also highlights the influence of social dynamics, as peer recommendations and family norms played a critical role in shaping attitudes toward e-wallets. These findings extend the literature by emphasizing the interplay between convenience, security, social influence, and demographic diversity in consumer adoption of digital payment systems in emerging markets. The research contributes theoretical and practical insights for e-wallet providers and policymakers seeking to foster inclusive digital financial ecosystems and enhance consumer trust in the rapidly expanding digital economy.
Co-Authors Afia Rahman Ammar Fuad Anam, Budi Safatul Awil Fata Budi Budi Budi Safatul Anam Chudri, Intan Rizkia Desi Purnamasari Dinata, Fendi Elviza Elviza Ermad MJ Eva Susanti Fata, Awil Havizatun, Melvi Intan Rizkia Chudri Irmawati Irmawati Kiki Putri Amelia Kiki Putri Amelia Maisura, Najiba Mj, Ermad mulyadi ar Rina Yulistia Riski, Syakila Sharihan Bin Shahidan Surna Lastri syamsidar syamsidar Syifa Gebrina Ridzqy yusliana, yusliana Zulkifli Umar Zulkifli Umar Zulkifli Umar