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All Journal Owner : Riset dan Jurnal Akuntansi Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Jurnal Perbankan Syariah Darussalam (JPSDa) Sadar Wisata: Jurnal Pariwisata
Aolia, Jumatul
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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The Effect Of Product Innovation And Service Quality On Customer Satisfaction: A Study On Indonesian Sharia Banks Aolia, Jumatul; Aulia, Putri; Rosmiati; Ananta, Herdi Gilang; Agustina, Ahadiah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.4138

Abstract

This study aims to analyze the effect of product innovation and service quality on customer satisfaction at Islamic banks in Indonesia. The main issue in this study relates to the importance of developing relevant service and product strategies in increasing customer satisfaction and loyalty in the increasingly competitive Islamic banking sector. The approach used is quantitative with descriptive design. Primary data were collected through the distribution of Likert scale questionnaires to 100 randomly selected respondents. The independent variables consist of product innovation (X?) and service quality (X?), while the dependent variable is customer satisfaction (Y). The analysis technique used is multiple linear regression with the help of SPSS software version 22. The results showed that both product innovation and service quality have a significant influence on customer satisfaction, both partially and simultaneously. Simultaneously, the two variables explain 74.7% of the variation in customer satisfaction. The findings confirm the importance of product renewal and service quality improvement as key strategies in strengthening the position of Islamic banks in Indonesia.
Pengaruh Integrasi Fintech dan Pembiayaan Mikro Syariah Terhadap Pertumbuhan UMKM di Ekosistem Pariwisata Halal di Lombok Aolia, Jumatul; Safina, Safina; Nur’aini, Nur’aini
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 3 (2025): Oktober: Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v5i3.1373

Abstract

The integration of financial technology (fintech) and Islamic microfinance represents a strategic innovation in strengthening financial access and supporting the growth of MSMEs, particularly within the halal tourism ecosystem. This study aims to quantitatively analyze and examine the influence of fintech and Islamic microfinance integration on the growth of MSMEs in the context of halal tourism in Lombok. The main focus is to assess the extent to which the collaboration between technology-based financial services and Sharia-compliant financing systems can enhance access to capital, operational efficiency, and business development capacity among MSME actors. This research employs a quantitative approach with an associative research type. Data were collected through Likert-scale questionnaires distributed to UMKM actors in Sembalun Village, East Lombok, a prominent halal tourism destination in Indonesia. Respondents were selected using purposive sampling based on specific criteria. Each research variable was measured using five relevant indicators. Multiple linear regression analysis was applied with the assistance of SPSS version 22 to test the hypotheses. The results indicate that both fintech integration and Islamic microfinance have a significant influence both partially and simultaneously on UMKM growth. These findings offer valuable insights for policy formulation and strategic efforts to empower UMKM in an innovative and sustainable manner, thereby contributing to local economic development based on halal tourism.
The Economic Impact of Tourism and Infrastructure Development on Local Community Income: Case Study of Sembalun Tourism Destination Aolia, Jumatul; Dewi, Novi Yanti Sandra; Agustina, Ahadiah; Mukhlishin
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 1 (2026): Article Research January 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i1.3049

Abstract

ABSTRACT This study aims to explore the economic impact of tourism development and infrastructure development on the welfare of local communities in Sembalun Village. The research method used is a quantitative approach with a descriptive design. The variables analyzed include tourism economy and infrastructure development as independent variables, and local community income as the dependent variable. Data were collected through a survey using a questionnaire with random sampling technique, with a sample of 100 respondents. The results showed that the tourism economy sector contributed 61.7% to the increase in community income, while infrastructure development contributed 23.3%. Simultaneously, the two variables contributed 47.9% to community income. The findings are expected to contribute to the development of sustainable and equitable tourism policies, as well as provide useful perspectives for stakeholders in formulating tourism and infrastructure-based regional development strategies. Based on the research results, it is imperative for the government and stakeholders to strengthen investment in the tourism sector as well as mutually supportive infrastructure development. Improved facilities and quality of public services, such as accessibility, transportation infrastructure, as well as the development of tourist attractions, will accelerate local economic growth and improve community welfare. Therefore, collaboration between tourism development and infrastructure development is a crucial factor in realizing sustainable and inclusive regional development. Keywords: Tourism economy, infrastructure development, local community income, Sembalun, economic development
Persepsi Dan Ekspektasi Wisatawan Muslim Terhadap Fasilitas Halal Di Destinasi Wisata Lombok Aolia, Jumatul; Meisyaqia Andriani, Dira; Aulia, Putri; Yanti Sandra Dewi, Novi; Agustina, Ahadiah
Sadar Wisata: Jurnal Pariwisata Vol. 8 No. 2 (2025): Sadar Wisata: Jurnal Pariwisata
Publisher : Universitas Muhammadiyah Jember

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Abstract

Abstrak Pengembangan destinasi wisata halal sebagai respons terhadap meningkatnya jumlah wisatawan Muslim, khususnya di Lombok yang dikenal sebagai destinasi wisata halal unggulan. Tujuan utama penelitian ini adalah untuk mengkaji persepsi dan ekspektasi wisatawan Muslim terhadap fasilitas halal yang mencakup makanan halal, tempat ibadah, dan akomodasi ramah Muslim, serta menganalisis pengaruh keduanya terhadap kepuasan wisatawan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif asosiatif. Sampel dipilih menggunakan teknik purposive sampling dengan jumlah responden sebanyak 100 wisatawan Muslim yang memiliki pengalaman langsung terhadap fasilitas halal di Lombok. Data dianalisis menggunakan regresi linier berganda dengan bantuan SPSS versi 22. Hasil penelitian menunjukkan bahwa persepsi dan ekspektasi wisatawan Muslim secara simultan berpengaruh signifikan terhadap kepuasan terhadap fasilitas halal di Lombok, dengan kontribusi sebesar 63,1%. Secara parsial, persepsi memberikan pengaruh sebesar 65,4% dan ekspektasi sebesar 23,5%. Temuan ini menegaskan pentingnya peningkatan kualitas dan kesesuaian layanan halal dengan harapan wisatawan. Kesimpulannya, keberhasilan pengembangan wisata halal di Lombok sangat bergantung pada sejauh mana destinasi mampu memenuhi persepsi positif dan ekspektasi tinggi wisatawan Muslim secara berkesinambungan.
Co-Authors Ahadiah Agustina Ananta, Herdi Gilang Aulia, Putri Dewi, Novi Yanti Sandra Meisyaqia Andriani, Dira Mukhlishin Nur’aini, Nur’aini Rosmiati Safina, Safina Yanti Sandra Dewi, Novi