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All Journal Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan IIJSE JPS (Jurnal Perbankan Syariah) Sadar Wisata: Jurnal Pariwisata
Ahadiah Agustina
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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PENGARUH PEMBIAYAAN MODAL KERJA SYARIAH DAN LITERASI KEUANGAN DIGITAL TERHADAP DAYA TAHAN UMKM DI TENGAH GEJOLAK INFLASI: PENDEKATAN PANEL ARDL Veni, Veni Edriani; Nurul Febryana; Idayanti; Nabila Lailita; Ahadiah Agustina
Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Vol. 2 No. 4 (2025): Juni
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jakpt.v2i4.2470

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan modal kerja syariah dan literasi keuangan digital terhadap ketahanan Usaha Mikro, Kecil, dan Menengah (UMKM) dalam menghadapi gejolak inflasi sebagai tantangan makroekonomi. Kajian ini menggunakan pendekatan library research berbasis integrative literature review terhadap literatur empiris dan teoritis yang dipublikasikan antara tahun 2015 hingga 2024, dengan sumber dari database Google Scholar, Scopus, DOAJ, dan Scispace. Hasil sintesis literatur menunjukkan bahwa pembiayaan modal kerja syariah berbasis prinsip mudharabah dan musyarakah berkontribusi terhadap peningkatan likuiditas dan keberlanjutan UMKM. Sementara itu, literasi keuangan digital terbukti memperkuat kapasitas adaptif pelaku usaha dalam mengakses dan mengelola layanan keuangan digital secara efisien. Inflasi, sebagai variabel makroekonomi, memiliki pengaruh yang kompleks terhadap biaya modal dan daya beli, yang secara tidak langsung memengaruhi stabilitas usaha. Integrasi ketiga variabel tersebut melalui pendekatan Panel ARDL menunjukkan hubungan dinamis yang signifikan terhadap ketahanan UMKM. Temuan ini memberikan implikasi penting bagi kebijakan pembiayaan syariah dan edukasi keuangan digital yang berbasis maqashid syariah untuk menciptakan ekosistem UMKM yang tangguh dan inklusif.
PENGARUH PEMBIAYAAN PERBANKAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI MAKRO DI NEGARA BERKEMBANG Sulistiara Putri; Yanti, Yenny April; Suryani, Suryani; Ahadiah Agustina
Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Vol. 3 No. 1 (2025): September
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jakpt.v3i1.2547

Abstract

Penelitian ini bertujuan untuk menguji pengaruh berbagai segmen pembiayaan perbankan syariah terhadap pertumbuhan ekonomi makro di negara berkembang, mengeksplorasi perbedaan dampak antar-segmen, dan menilai peran pangsa pasar syariah sebagai variabel moderasi. Metode penelitian yang digunakan adalah pendekatan Library Research dengan metode Integrative Review, yang merangkum, mengidentifikasi pola, serta menganalisis temuan empiris dan teoretis yang berkaitan dengan topik penelitian. Hasil penelitian menunjukkan bahwa pembiayaan perbankan syariah memiliki pengaruh positif dan signifikan terhadap pertumbuhan ekonomi makro, dengan kontribusi besar pada peningkatan PDB, pengurangan pengangguran, dan peningkatan kesejahteraan masyarakat, terutama di sektor-sektor produktif dan UMKM. Simpulan dari penelitian ini adalah bahwa pembiayaan syariah berkontribusi signifikan terhadap pertumbuhan ekonomi, namun dampaknya bersifat kontekstual dan dipengaruhi oleh faktor-faktor seperti jenis pembiayaan dan struktur ekonomi yang ada di negara berkembang. Kata Kunci:, Pertumbuhan Ekonomi, Negara Berkembang, Sektor Produktif, Pangsa Pasar Syariah
Sharia Digital Marketing as an Effort to Increase the Income of MSMEs in North Lombok Regency Rezky Chikal Pratama; Zaenafi Ariani; Ahadiah Agustina
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.5392

Abstract

Marketing through digital media has become a common step for MSME actors. This makes it easier for them to reach consumers, especially in the modern era when consumers can easily find the products they want. Digital marketing strategy is the key to improving and developing MSME businesses in a better direction in the future. This study uses a descriptive qualitative research method with data collection and analysis techniques involving observation, interviews, and the use of secondary data such as journals, articles, books, and related mass media. The data analysis technique used is Miles and Huberman analysis, which includes data collection, data reduction, data presentation, and drawing conclusions or verification. The results of the study show that digital marketing to MSMEs in Tanjung District has used various applications such as WhatsApp, Instagram, TikTok, and Facebook. The use of these applications is very helpful in increasing product marketing, not only among local people but also reaching consumers from various regions. However, the scope of digital marketing has a positive impact although it may not always be in accordance with expectations.
Analisis Pengaruh Fasilitas Ibadah, Makanan Halal, Dan Citra Destinasi Terhadap Keputusan Wisatawan Muslim Dalam Memilih Destinasi Wisata Halal Di Lombok safira; Novi Yanti Sandra Dewi; Ahadiah Agustina; Safina; M Zulfami Fatawi, Lalu
Sadar Wisata: Jurnal Pariwisata Vol. 8 No. 2 (2025): Sadar Wisata: Jurnal Pariwisata
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/sw.v8i2.4496

Abstract

Pariwisata halal merupakan segmen industri pariwisata yang terus berkembang, terutama di wilayah dengan mayoritas penduduk Muslim seperti Lombok, sehingga pemahaman mengenai faktor-faktor yang memengaruhi keputusan wisatawan Muslim menjadi penting. Penelitian ini bertujuan untuk menganalisis pengaruh fasilitas ibadah, makanan halal, dan citra destinasi terhadap keputusan wisatawan Muslim dalam memilih destinasi wisata halal di Lombok. Metode penelitian menggunakan pendekatan kuantitatif dengan pendekatan asosiatif, melibatkan 100 wisatawan Muslim yang dipilih melalui teknik purposive sampling, dan data dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa fasilitas ibadah berpengaruh negatif signifikan, sedangkan makanan halal dan citra destinasi berpengaruh positif signifikan terhadap keputusan wisatawan dan secara simultan ketiga variabel memberikan pengaruh signifikan dengan nilai koefisien determinasi sebesar 75,7%. Temuan tersebut menunjukkan bahwa persepsi terhadap atribut halal menjadi determinan penting dalam pembentukan keputusan berkunjung. Penelitian ini menyimpulkan bahwa penguatan kualitas fasilitas ibadah, penyediaan makanan halal yang terstandarisasi, serta penguatan citra destinasi perlu menjadi prioritas pengelola wisata untuk meningkatkan daya saing dan keberlanjutan pariwisata halal di Lombok
The Social Construction of Food Security and Wage Practices in the Halal Tourism Ecosystem: An Interpretive Study Based on Maqashid Shariah Novi Yanti Sandra Dewi; Ahadiah Agustina
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v6i1.2892

Abstract

This study examines how food security and wage practices are socially constructed within the halal tourism ecosystem from a maqashid shariah perspective. Despite the rapid growth of halal tourism, existing studies largely emphasize certification, destination competitiveness, and market expansion, while the substantive dimensions of welfare, particularly food security and wage justice, remain underexplored. This research employs a qualitative method with an interpretivist paradigm to capture the lived experiences and meanings constructed by actors within the halal tourism ecosystem in Mataram City, Indonesia. Data were collected through in-depth interviews, direct observation, and documentation involving 20 purposively selected informants, including tourism business actors, workers, local communities, and institutional stakeholders. The findings reveal that food security is not merely determined by the availability of halal products but is socially constructed through access, affordability, and price stability, which are often disrupted by tourism driven market dynamics. Similarly, wage practices are characterized by informality, instability, and dependence on tourist flows, resulting in limited alignment with principles of fairness and adequacy. From a maqashid shariah perspective, these conditions indicate that the realization of hifz al-nafs (protection of life) and hifz al-mal (protection of wealth) remains partial. The study highlights a gap between the symbolic implementation of halal principles and their substantive realization in socio economic practices. This research contributes to the literature by integrating social construction theory and maqashid shariah in analyzing welfare dimensions within halal tourism and suggests the need for more inclusive, justice oriented policy frameworks that address both economic growth and community well being.
The Effect Of System Quality And User Confidence In Sharia E-Wallets On Non-Cash Transaction Decisions Siti Kurniawati; Ahadiah Agustina; Zaenafi Ariani
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2802

Abstract

Purpose- This study aims to examine how the quality of digital services and user confidence levels influence decisions to use sharia-based non-cash payments. The urgency of this study arises from the increasing need for transaction instruments that are not only efficient, but also trusted to be secure and in accordance with sharia principles. Method- In terms of methodology, this study uses a quantitative approach through a survey of 102 active users in the West Nusa Tenggara region. The data collection instrument was a Likert scale questionnaire, which was then processed using multiple linear regression analysis through the JASP application. Findings- The findings show that both independent variables have a positive and significant influence on the decision to transact digitally, with a model contribution of R² = 0.723. The trust factor is recorded as the strongest determinant, as indicated by the largest coefficient value (β = 0.550; p < 0.001). Based on these results, the study concluded that system quality and confidence in security and sharia compliance are important factors in encouraging the use of modern payment services. Implication- The implication is that service providers need to strengthen technological stability, increase transparency, and build credibility so that the adoption of sharia digital transactions can develop more widely.
Co-Authors idayanti M Zulfami Fatawi, Lalu Nabila Lailita Novi Yanti Sandra Dewi Nurul Febryana Rezky Chikal Pratama Safina SAFIRA Siti Kurniawati Sulistiara Putri Suryani Suryani Veni, Veni Edriani Yanti, Yenny April Zaenafi Ariani