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All Journal JEJAK JAM : Jurnal Aplikasi Manajemen Jurnal Ekonomi & Studi Pembangunan An-Nisbah: Jurnal Ekonomi Syariah Asia-Pacific Management and Business Application SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS Buletin Ilmiah Litbang Perdagangan Shirkah: Journal of Economics and Business Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Ilmiah Mandala Education (JIME) Jurnal Equity Journal of Indonesian Tourism, Hospitality and Recreation STI Policy and Management Journal JASF (Journal of Accounting and Strategic Finance) Journal of Enterprise and Development (JED) jurnal ilmiah hospitality Journal of Environmental Science and Sustainable Development AS-SABIQUN: Jurnal Pendidikan Islam Anak Usia Dini Journal of Economics Research and Social Sciences Asian Management and Business Review Journal of Marketing Innovation International Business and Accounting Research Journal Journal of Applied Sciences in Travel and Hospitality Jurnal Pariwisata Nusantara The South East Asian Journal of Management ASEAN Marketing Journal Journal Of Responsible Tourism Advances in Tourism Studies An-Nisbah: Jurnal Ekonomi Syariah Equity Advances in Tourism Studies Mabasan Khazanah Hukum JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis Share
Azizurrohman, Muhammad
Sekolah Tinggi Pariwisata Mataram
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Perspective of Small Medium Enterprises in West Nusa Tenggara on export plans Riduan Mas'ud; Muhammad Azizurrohman; Khairul Hamim; Baiq Elbadriati; Supiandi Supiandi
Journal of Enterprise and Development (JED) Vol. 4 No. 1 (2022): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i1.5157

Abstract

Purpose — The purpose of this study is to investigate how Small Medium Enterprises (SMEs) react to their plans to engage in export activities, particularly in the province of West Nusa Tenggara (NTB).Research method — The method used in this research is descriptive quantitative by distributing questionnaires to respondents containing multiple choice and open-ended questions.Result — This study found that the majority of SMEs have been export-oriented. They want to export for a variety of reasons, including expansion of their business network, international market demand, increased company revenues, and availability of suitable raw materials. Lack of extensive overseas markets/networks, lack of understanding of export procedures, and lack of adequate Human Resources seem to be one of the reasons given by SMEs who say NO or do not want to carry out export activities (HR).Significance/contribution/recommendation — In terms of the issues covered, this study differs from others. The majority of research focuses solely on the impact of SMEs and their export prospects. Meanwhile, the focus of this research is on SMEs' responses when it comes to organizing their product export efforts.
Long- and short-term analysis on the Human Development Index in West Nusa Tenggara Risky Angga Pramuja; Novi Primita Sari; Zainal Arifin; Muhammad Azizurrohman; Supiandi Supiandi
Journal of Enterprise and Development (JED) Vol. 5 No. 1 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v5i1.6764

Abstract

Purpose — With the low human development index in West Nusa Tenggara, this study is intended to analyze important factors in increasing the Human Development Index in an area.Method — This research combined cross-sectional data consisting of 10 regencies and cities in West Nusa Tenggara and time-series data from 2016 to 2020. In addition, a series of model tests were carried out. This research employed the Arellano-bond estimator for the dynamic panel estimation, which used first-difference (FDGMM) with robust standard error.Result — We found that the previous year's Human Development Index, poverty rate, and GDRB significantly increased the human development index in West Nusa Tenggara, especially in the short term. Meanwhile, in the long run, all variables do not affect the human development index in West Nusa Tenggara. In addition, this study revealed that the previous year's HDI, poverty rate, and GRDP only affected the short term. Moreover, long-term policies are needed to increase the HDI in West Nusa Tenggara, such as increasing community capacity, health assistance, price stabilization, and creating new jobs.Contribution — This study clarifies in practice the need for differentiating poverty reduction strategies according to their duration. This is because short-term interventions have little long-term impact on reducing poverty.
New trends of Community-Based Tourism management in People's Republic of China Alip Suroto; Donny Juliandri Prihadi; Eka Kadharpa; Muhammad Azizurrohman; Deasy Silvya Sari
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-2 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v5iSpecial-Issue-2.8157

Abstract

Purpose — This research investigates emerging trends in community-based tourism (CBT) management in the People's Republic of China (PRC), aiming to foster sustainable tourism development. It comprehensively examines evolving strategies, challenges, and opportunities, considering community engagement, empowerment, and sustainable practices in China's distinct socio-cultural and economic context.Method — Employing a qualitative approach, this research draws on case studies and expert insights to provide a holistic view of current community-based tourism management in China. The analysis involves literature review, stakeholder interviews, and examination of successful CBT projects across diverse regions.Result — The paper reveals significant trends in PRC's community-based tourism management, including tech integration, personalized experiences, sustainable resource practices, and cultural preservation. These trends are explored via practical examples, showcasing their impact on communities and tourists.Contribution — This research enriches the understanding of evolving CBT management in China by spotlighting recent trends and their consequences. It offers insights into innovative strategies fostering tourism, cultural heritage preservation, and sustainability. The paper is a valuable resource for policymakers, practitioners, and researchers interested in sustainable tourism and community engagement in the PRC and beyond.
Economic Impact of Halal Tourism in non-Muslim Majority Countries: A Comparative Analysis of Singapore, Thailand, and the UK Muhammad Azizurrohman; Sri Budi Cantika Yuli; Supiandi
Journal of Enterprise and Development (JED) Vol. 6 No. 3 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i3.11020

Abstract

Purpose: This study examines the economic contribution of halal tourism to the Gross Domestic Product (GDP) of Singapore, Thailand, and the United Kingdom, highlighting the significance of this market segment in non-Muslim majority countries.Method: Employing a quantitative research approach, the study utilizes multiple regression analysis to investigate the relationship between halal tourism variables (tourist expenditure, tourist arrivals, and policy implementation) and GDP. Data were collected from national tourism boards, government statistics, and relevant reports, with separate analyses conducted for each country to ensure a nuanced understanding.Result: The findings reveal a significant positive impact of halal tourism on GDP in all three countries. In Singapore, tourist expenditure and arrivals, supported by robust halal-friendly policies, substantially contribute to economic growth. Thailand shows similar positive effects, with significant contributions from tourist expenditure and policy implementation. The United Kingdom also benefits economically from halal tourism, particularly through increased tourist expenditure and the implementation of Muslim-friendly policies.Practical Implications for Economic Growth and Development: The study indicates that non-Muslim majority countries like Singapore, Thailand, and the United Kingdom can enhance their GDP by actively promoting and supporting halal tourism through targeted policies and infrastructure that cater to Muslim travelers.
Behavioral Drivers of Buy Now Pay Later Over-Indebtedness in Indonesia Marhaendro Purno; Muhammad Azizurrohman
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026): IN PROGRESS
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0057

Abstract

The rapid growth of Buy Now Pay Later (BNPL) services in Indonesia have transformed consumer access to digital credit while simultaneously raising concerns regarding impulsive borrowing and financial vulnerability. This study examines the psychological, perceptual, and cultural determinants of BNPL borrowing behavior, focusing on the roles of dark pattern exposure, impulsive buying tendency, perceived usefulness, perceived risk, and Islamic financial literacy. A quantitative cross-sectional survey was conducted among 587 Indonesian BNPL users between April and June 2025. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that exposure to dark patterns significantly increases impulsive buying tendency and perceived usefulness while reducing perceived risk, leading consumers to develop more favorable attitudes toward BNPL. Impulsive buying tendency, perceived usefulness, and attitudes toward BNPL were found to positively influence over-indebtedness intention, which subsequently increases repayment distress. Mediation analysis confirms that attitudes and borrowing intentions function as important psychological mechanisms linking cognitive perceptions and behavioral outcomes. In addition, Islamic financial literacy weakens the effects of impulsiveness and favorable attitudes on over-indebtedness intention, suggesting its role as a moral and cognitive safeguard within the Indonesian context. The study extends behavioral finance and financial technology literature by integrating manipulative interface design and religiously grounded financial literacy into consumer borrowing models. The findings also highlight the importance of ethical fintech design, transparent digital credit regulation, and culturally embedded financial education to support sustainable financial inclusion and reduce consumer financial vulnerability. ABSTRAK - Faktor Perilaku dalam Over-Indebtedness Buy Now Pay Later di Indonesia. Perkembangan pesat layanan Buy Now Pay Later (BNPL) di Indonesia telah mengubah pola akses masyarakat terhadap kredit digital, sekaligus menimbulkan kekhawatiran terkait perilaku berutang impulsif dan meningkatnya kerentanan keuangan. Penelitian ini mengkaji faktor-faktor psikologis, perseptual, dan kultural yang memengaruhi perilaku penggunaan BNPL, dengan fokus pada paparan dark patterns, kecenderungan pembelian impulsif, persepsi kegunaan, persepsi risiko, serta literasi keuangan syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei potong lintang terhadap 587 pengguna BNPL di Indonesia selama periode April–Juni 2025. Analisis data dilakukan menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa paparan dark patterns secara signifikan meningkatkan kecenderungan pembelian impulsif dan persepsi kegunaan, serta menurunkan persepsi risiko, sehingga membentuk sikap yang lebih positif terhadap BNPL. Kecenderungan pembelian impulsif, persepsi kegunaan, dan sikap positif terhadap BNPL terbukti meningkatkan niat berutang berlebihan (over-indebtedness intention), yang selanjutnya memperbesar tekanan pembayaran (repayment distress). Analisis mediasi mengonfirmasi bahwa sikap dan niat berutang berperan sebagai mekanisme psikologis penting yang menghubungkan persepsi kognitif dengan dampak keuangan yang merugikan. Selain itu, literasi keuangan syariah terbukti memperlemah pengaruh impulsivitas dan sikap positif terhadap niat berutang berlebihan, sehingga berfungsi sebagai pelindung moral dan kognitif dalam konteks masyarakat Indonesia. Penelitian ini memperluas kajian behavioral finance dan teknologi keuangan dengan mengintegrasikan desain antarmuka manipulatif dan literasi keuangan berbasis nilai keagamaan ke dalam model perilaku utang konsumen. Temuan ini menegaskan pentingnya desain fintech yang etis, regulasi kredit digital yang transparan, serta edukasi keuangan yang berakar pada nilai budaya untuk mendukung inklusi keuangan yang berkelanjutan dan mengurangi kerentanan keuangan konsumen.
Co-Authors Abdul Haris Agusman Aini, Yulis Nurul Alip Suroto Aliza Hari Tanthowy Aminy, Muhammad Muhajir Ander Sriwi, Ander Andi Irwan Andi Tenry Sose Asrianto, Asrianto Baiq Elbadriati Bawazir, Fatmah Cholid Budi, Rosdinaman Calvin Faza Deasy Silvya Sari Denny Bernardus Dessy Adelin Dewi Mustikasari Immanuel Donny Juliandri Prihadi Dova Novita Eka Kadharpa Eka Kadharpa Utama Dewayani Eka Kadharpa, Eka El-badriati, Baiq Eric Harianto Erri Supriyadi Faiza Husnayeni Nahar Faiza Husnayeni Nahar Faiza Husnayeni Nahar Fatmasari Fatmasari Faza, Calvin Gapari, Muhamad Zaril Gatot Suhirman Gatot Suhirman Ginting, Yanti Mayasari Gladys Greselda Gosal Gunawan Bata Ilyas Habibi, Putrawan Hariono Hariono Hasanuddin Remmang, Hasanuddin Hatidja, St. Herminawati Abubakar, Herminawati Hernita, Hernita Hulfa, Ihyana Husna Karimah I Wayan Bratayasa Ida Nyoman Tri Darma Putra Ilmi, Sayyidah Hafidhatul Isrososiawan, Safroni Iwan Perwira Jamaliah Said Jamaluddin Jamaluddin Jamaluddin Jintan, Andam Rani Johari, Muhamad Jonnardi, Jonnardi Jumriani, Jumriani Junko Alessandro Effendy Kapriani Kapriani, Kapriani Khairul Hamim Ladung, Fajar Lalu R. Ibnu Lia Rosida Lin, Yih-Ming Mahsar Marhaendro Purno Marniatun Marniatun Mas'ud, Riduan Mashar Mashun, Mashun Masud, Riduan Mas’ud, Riduan Menny, Alviano Herbert Mohamad Najmudin Mufti Alam Adha Muhamad Ali Muhamad Yusup Muhammad Iskandar Muhammad Johari Muhammad Syafari Muhammad Syamsurrijal Mujahida, Sitti Ni Luh Sueni Ni Luh Sueni Widyanti Ni Putu Hendri Widiartini Novi Primita Sari Putra, Ida Nyoman Tri Darma Putrawan Habibi Riduan Mas'ud Riduan Mas'ud Riduan Masud Riduan Mas’ud Riqfi, Husni Muhammad Risky Angga Pramuja Rizal Pratama, Rizal Rizal Rizal Pratama Rizky Angga Pramuja Romi Bhakti Hartarto Sabar Sabar Septriani Septriani Sitti Mujahida Baharuddin Sri Ayu Lestari Sri Budi Cantika Yuli St. Hatidja suardi suardi Sudiyanti Sudiyanti Supiandi Supiandi Supiandi Supiandi Supiandi, Supiandi Suroto, Alip Sutanto, Verrell Syafari, Muhammad Syahribulan Syahribulan, Syahribulan Syahruddin Syahruddin Tawakkal Baharuddin Teofilus Teofilus, Teofilus Thaha, Salmiyah Thomas Stefanus Kaihatu Tiong, Piter Toreh, Fabio Ricardo Ulfi, Izzani Umi Farida Uwi Martayadi Uwi Murtayadi Wahyu Khalik Wang, Tz-Li Wibisono, Leonard Junio Wiwik Handayani Yadi Arodhiskara, Yadi Yasri Tarawiru Yoseva Maria Pujirahayu Sumaji Yulendra, Lalu Yulia Nur Hasanah Yusuf Setiawan Al-Qusyairi Zainal Arifin Zainal Arifin Zaitun, Cakra