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Ahadiah Agustina
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Jl. KH. Ahmad Dahlan No.1, Pagesangan, Kec. Mataram, Kota Mataram, Nusa Tenggara Bar. 83115, Indonesia.
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INDONESIA
Journal of Sharia Economy and Islamic Tourism
Published by Universitas Muhammadiyah Mataram
ISSN : -     EISSN : 2797913X     DOI : https://doi.org/10.31764/jseit
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Sharia Economy and Islamic Tourism is a journal that publishes scientific articles on the results of studies or researches and literature studies in the scope and focus of Sharia Economy and Islamic Tourism. Editors receive articles that have not been published in other journals/media. The journal was founded in 2020, published twice a year, in March and September. The purpose of this journal is for the publication of scientific articles covering studies within the scope of Sharia Economy and Islamic Tourism, such as: Philosophy of Sharia Economics; Sharia Economic Thought; Sharia and Contemporary Economic Issues; Contemporary issues in Islamic Financial Institutions; Sharia Management; Sharia Accounting; Aspects of Law in Sharia Economy; Halal Tourism Planning; Halal Tourism Management; Halal Destinations; and Traveling.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 66 Documents
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Pengaruh Literasi Keuangan Digital dan Risiko Siber terhadap Keberlanjutan UMKM di Kota X Elif, Nur; Nilasari, Ratna Putri; Ramadhania, Reza
Journal of Sharia Economy and Islamic Tourism Vol 6, No 1 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v6i1.35541

Abstract

Abstract: MSMEs play a strategic role in the local and national economy, but in the digital era they face challenges of digital financial literacy and cyber risks that can threaten business sustainability. This study aims to analyze the effect of digital financial literacy and cyber risks on the sustainability of MSMEs in City X. The research method used is a quantitative approach with a survey technique through questionnaires distributed to 60 MSME actors, and the data was analyzed using multiple linear regression. The results show that both digital financial literacy and cyber risks have a positive and significant effect on the sustainability of MSMEs, with cyber risks making a more dominant contribution. These findings indicate that mastery of financial technology and readiness to face digital threats are key factors in maintaining and developing businesses. The practical implications of this study are the importance of integrated policies and training programs that combine digital financial education and cyber security for MSME players.Abstrak: UMKM memiliki peran strategis dalam perekonomian lokal dan nasional, namun di era digital mereka menghadapi tantangan literasi keuangan digital dan risiko siber yang dapat mengancam keberlanjutan usaha. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan digital dan risiko siber terhadap keberlanjutan UMKM di Kota X. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik survei melalui kuesioner yang disebarkan kepada 60 pelaku UMKM, dan data dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa baik literasi keuangan digital maupun risiko siber berpengaruh positif dan signifikan terhadap keberlanjutan UMKM, dengan risiko siber memberikan kontribusi yang lebih dominan. Temuan ini menunjukkan bahwa penguasaan teknologi finansial dan kesiapan menghadapi ancaman digital merupakan faktor kunci dalam mempertahankan dan mengembangkan usaha. Implikasi praktis dari studi ini adalah pentingnya kebijakan dan program pelatihan terpadu yang menggabungkan edukasi keuangan digital dan keamanan siber bagi pelaku UMKM.
Artificial Intelligence for Economic Growth Prediction Aulia, Hartika; Syaharuddin, Syaharuddin
Journal of Sharia Economy and Islamic Tourism Vol 6, No 1 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v6i1.35542

Abstract

Abstract: This Systematic Literature Review explores the transformative potential of Artificial Intelligence (AI) in economic growth prediction. Drawing on research from Dimension and Scopus databases, published between 2014 and 2024, the review highlights AI's capacity to process complex datasets, uncover non-linear patterns, and provide dynamic responses to real-time economic changes. AI’s integration into economic forecasting and various industries is shown to enhance productivity, reduce costs, and foster inclusivity. However, the review identifies several challenges, including overfitting, data access, biases, and the need for ethical frameworks, which hinder its full potential. It suggests that AI should complement traditional economic forecasting methods, creating more robust and interpretable models. The review also emphasizes the necessity of a balanced approach that incorporates workforce adaptation, policy interventions, and ethical considerations to address risks such as job displacement and data misuse. This paper calls for further research on optimizing AI applications in economic forecasting while ensuring equitable and sustainable growth.Abstrak: Penelitian ini mengeksplorasi potensi transformatif Kecerdasan Buatan (AI) dalam prediksi pertumbuhan ekonomi. Dengan mengacu pada penelitian dari basis data Dimension dan Scopus yang diterbitkan antara tahun 2014 dan 2024, ulasan ini menyoroti kemampuan AI dalam memproses dataset kompleks, mengidentifikasi pola non-linear, dan memberikan respons dinamis terhadap perubahan ekonomi real-time. Integrasi AI ke dalam peramalan ekonomi dan berbagai industri terbukti dapat meningkatkan produktivitas, mengurangi biaya, dan mendorong inklusi. Namun, tinjauan ini mengidentifikasi beberapa tantangan, termasuk overfitting, akses data, bias, dan kebutuhan akan kerangka etika, yang menghambat potensi penuhnya. Disarankan agar AI melengkapi metode peramalan ekonomi tradisional, menciptakan model yang lebih tangguh dan dapat diinterpretasikan. Tinjauan ini juga menekankan pentingnya pendekatan yang seimbang yang menggabungkan adaptasi tenaga kerja, intervensi kebijakan, dan pertimbangan etika untuk mengatasi risiko seperti penggantian tenaga kerja dan penyalahgunaan data. Artikel ini menyerukan penelitian lebih lanjut tentang optimalisasi aplikasi AI dalam peramalan ekonomi sambil memastikan pertumbuhan yang adil dan berkelanjutan.
Pengaruh Visualisasi dan Estetika Konten terhadap Tingkat Kepercayaan Muslim Generasi Z terhadap Destinasi Halal Mei, Nining Yus; Nurhuda, Abid
Journal of Sharia Economy and Islamic Tourism Vol 6, No 1 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v6i1.35543

Abstract

Abstract: This study aims to analyze the effect of content visualization and content aesthetics on the level of trust of Muslim Generation Z in halal tourist destinations. This study uses a quantitative approach with an explanatory associative research type. Data were collected through an online questionnaire distributed to 92 Muslim respondents aged 15–26 who were active on social media and had been exposed to halal tourism promotional content. The data analysis technique used was multiple linear regression with the help of SPSS. The results showed that both content visualization and content aesthetics had a significant effect on the level of trust, with content visualization being the variable that contributed most significantly. The coefficient of determination (R²) value of 0.650 indicates that the two independent variables are able to explain 65% of the variation in the level of trust. These findings emphasize the importance of visual strategies in building trust in halal destinations, especially among Muslim Generation Z in the digital era.Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh visualisasi konten dan estetika konten terhadap tingkat kepercayaan Generasi Z Muslim terhadap destinasi wisata halal. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif yang bersifat eksplanatif. Data dikumpulkan melalui penyebaran kuesioner daring kepada 92 responden Muslim berusia 15–26 tahun yang aktif di media sosial dan pernah terpapar konten promosi wisata halal. Teknik analisis data yang digunakan adalah regresi linear berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa baik visualisasi konten maupun estetika konten berpengaruh signifikan terhadap tingkat kepercayaan, dengan visualisasi konten sebagai variabel yang memberikan kontribusi paling dominan. Nilai koefisien determinasi (R²) sebesar 0,650 menunjukkan bahwa kedua variabel bebas mampu menjelaskan 65% variasi dalam tingkat kepercayaan. Temuan ini menegaskan pentingnya strategi visual dalam membangun kepercayaan terhadap destinasi halal, khususnya di kalangan Generasi Z Muslim di era digital.
the Effectiveness of Zakat Applications in Improving Transparency and Accountability Tazhdinov, Magomed; Hidayanti, Nur Fitri
Journal of Sharia Economy and Islamic Tourism Vol 6, No 1 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v6i1.35461

Abstract

Abstract: The development of digital technology has opened up new opportunities in zakat management, making research on the effectiveness of digital-based zakat applications important to ensure that zakat management is increasingly transparent, accountable, and in accordance with sharia principles. This study aims to analyze the effectiveness of digital-based zakat applications in improving the transparency and accountability of zakat management through a Systematic Literature Review (SLR) approach. Literature sources were obtained from reputable databases, namely Scopus, DOAJ, and Google Scholar, covering publications from 2015 to 2025. A systematic review process was conducted to identify, evaluate, and synthesize relevant findings from previous studies. The results showed that digital zakat applications were effective in strengthening the transparency and accountability of zakat institutions, particularly through increased information disclosure, financial reporting accuracy, zakat distribution monitoring, and increased community participation. These findings confirm that the digitization of zakat plays a strategic role in building the trust of muzaki, strengthening the accountability of zakat management organizations, and encouraging the optimization of zakat governance in accordance with sharia principles. Thus, this study not only contributes conceptually to the development of academic literature on the digitization of zakat, but also offers practical recommendations for zakat institutions and regulators in designing more transparent, accountable, and sustainable digital-based zakat management strategies.Abstrak: Perkembangan teknologi digital telah membuka peluang baru dalam pengelolaan zakat, sehingga penelitian mengenai efektivitas aplikasi zakat berbasis digital penting dilakukan untuk memastikan tata kelola zakat semakin transparan, akuntabel, dan sesuai prinsip syariah. Penelitian ini bertujuan untuk menganalisis efektivitas aplikasi zakat berbasis digital dalam meningkatkan transparansi dan akuntabilitas pengelolaan zakat melalui pendekatan Systematic Literature Review (SLR). Sumber literatur diperoleh dari basis data bereputasi, yaitu Scopus, DOAJ, dan Google Scholar, dengan cakupan publikasi pada rentang tahun 2015–2025. Proses telaah sistematis dilakukan untuk mengidentifikasi, mengevaluasi, dan mensintesis temuan-temuan penelitian terdahulu yang relevan. Hasil penelitian menunjukkan bahwa aplikasi zakat digital terbukti efektif dalam memperkuat transparansi dan akuntabilitas lembaga zakat, terutama melalui peningkatan keterbukaan informasi, akurasi pelaporan keuangan, monitoring distribusi zakat, serta peningkatan partisipasi masyarakat. Temuan ini menegaskan bahwa digitalisasi zakat berperan strategis dalam membangun kepercayaan muzaki, memperkuat akuntabilitas organisasi pengelola zakat, dan mendorong optimalisasi tata kelola zakat sesuai prinsip syariah. Dengan demikian, penelitian ini tidak hanya memberikan kontribusi konseptual bagi pengembangan literatur akademik mengenai digitalisasi zakat, tetapi juga menawarkan rekomendasi praktis bagi lembaga zakat dan regulator dalam merancang strategi pengelolaan zakat berbasis digital yang lebih transparan, akuntabel, dan berkelanjutan.
Analisis SOAR terhadap Pengembangan Wisata Halal di Taman Nasional Gunung Rinjani: Kekuatan Lokal, Peluang Global Ferdaus, Nadia Nuril; Wafik, A Zaenal; Aptasari, Fety Widianti; Budiman, Budiman; Jumaedi, M
Journal of Sharia Economy and Islamic Tourism Vol 6, No 1 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v6i1.35544

Abstract

Abstract: This study aims to analyze the challenges and opportunities for developing halal tourism in Mount Rinjani National Park (TNGR), Lombok, West Nusa Tenggara. Using a SOAR (Strengths, Opportunities, Aspirations, Results) framework combined with a descriptive qualitative approach, data were collected through field observations, in-depth interviews with hikers, porters, local guides, and Muslim tourists, as well as a review of relevant policy documents. The findings reveal that TNGR’s strengths include the strong Islamic culture of the local community, its iconic natural beauty, and international accessibility via Lombok International Airport. Opportunities are reinforced by the global Muslim travel market projected to reach USD 274 billion by 2024, recognition from the World Halal Travel Summit, MUI Fatwa No.108/2016, the potential integration of geopark and halal tourism concepts, and collaboration with MSMEs and digital platforms. However, significant challenges persist, such as poorly maintained ablution facilities despite abundant water sources, pollution in Lake Segara Anak, and the continued sale of alcoholic beverages along trekking routes. These findings highlight the need for improved facility management, public education, stricter regulation enforcement, and multi-stakeholder collaboration to ensure that TNGR’s halal tourism development is sustainable, inclusive, and contributes effectively to both local and national economic growth.Abstrak: Penelitian ini bertujuan untuk menganalisis tantangan dan peluang pengembangan wisata halal di Taman Nasional Gunung Rinjani (TNGR), Lombok, Nusa Tenggara Barat. Metode yang digunakan adalah analisis SOAR (Strengths, Opportunities, Aspirations, Results) dengan pendekatan kualitatif deskriptif melalui observasi lapangan, wawancara mendalam dengan pendaki, porter, pemandu lokal, dan wisatawan Muslim, serta penelaahan dokumen kebijakan terkait. Hasil penelitian menunjukkan bahwa TNGR memiliki kekuatan berupa budaya Islam masyarakat NTB yang kuat, keindahan alam yang ikonik, dan aksesibilitas internasional melalui Bandara Lombok. Peluang pengembangan didukung oleh tren pasar wisata Muslim global yang diproyeksikan mencapai USD 274 miliar pada 2024, penghargaan internasional World Halal Travel Summit, Fatwa MUI No.108/2016, integrasi konsep geopark, serta potensi kolaborasi dengan UMKM dan platform digital. Namun, ditemukan tantangan signifikan seperti fasilitas bersuci yang tidak terawat, pencemaran Danau Segara Anak, dan masih adanya penjualan alkohol di jalur pendakian. Temuan ini menegaskan perlunya peningkatan pengelolaan fasilitas, edukasi publik, penegakan aturan, serta kolaborasi lintas pemangku kepentingan agar wisata halal TNGR dapat berkembang secara berkelanjutan dan inklusif, sekaligus memperkuat kontribusinya terhadap ekonomi lokal dan nasional.
Pengaruh Pendidikan Kewirausahaan dan Pemanfaatan Media Sosial terhadap Peningkatan Pendapatan Mahasiswa Mulyono, Sri; Sari, Ika Purnama
Journal of Sharia Economy and Islamic Tourism Vol 6, No 1 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v6i1.35539

Abstract

Abstract: This study was motivated by the importance of strengthening students' economic independence through education and the use of digital technology. The purpose of this study was to analyze the effect of entrepreneurship education and social media use on increasing student income. This study sused a quantitative approach with a survey method and purposive sampling technique on 51 student respondents. The data were analyzed using multiple linear regression and tested for validity, reliability, and classical assumptions. The results show that both entrepreneurship education and the use of social media have a positive and significant effect on student income, both partially and simultaneously, with an R2 value of 0.564. These findings confirm that the combination of entrepreneurship education and the use of digital technology can create real economic opportunities for students. In practical terms, these results imply that higher education institutions need to strengthen their entrepreneurship and digital literacy curricula in order to prepare students to become independent and adaptive economic actors in the digital era.Abstrak: Penelitian ini dilatarbelakangi oleh pentingnya penguatan kemandirian ekonomi mahasiswa melalui pendidikan dan pemanfaatan teknologi digital. Tujuan penelitian ini adalah untuk menganalisis pengaruh pendidikan kewirausahaan dan pemanfaatan media sosial terhadap peningkatan pendapatan mahasiswa. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei dan teknik purposive sampling terhadap 51 responden mahasiswa. Data dianalisis menggunakan regresi linear berganda, serta diuji validitas, reliabilitas, dan asumsi klasik. Hasil penelitian menunjukkan bahwa baik pendidikan kewirausahaan maupun pemanfaatan media sosial berpengaruh positif dan signifikan terhadap pendapatan mahasiswa, baik secara parsial maupun simultan, dengan nilai R2 sebesar 0,564. Temuan ini menegaskan bahwa kombinasi antara pendidikan kewirausahaan dan pemanfaatan teknologi digital dapat menciptakan peluang ekonomi nyata bagi mahasiswa. Secara praktis, hasil ini memberikan implikasi bahwa institusi pendidikan tinggi perlu memperkuat kurikulum kewirausahaan dan literasi digital guna mempersiapkan mahasiswa menjadi pelaku ekonomi yang mandiri dan adaptif di era digital.

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