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Dr. Zainul Hidayah, S.Pi., M.App.Sc.
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INDONESIA
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura
Published by Universitas Trunojoyo Madura
ISSN : 18297935     EISSN : 26547856     DOI : https://doi.org/10.21107/pamator
Core Subject : Economy, Humanities, Social,
Humanities Economics, Econometrics & Finance Social Sciences
PAMATOR JOURNAL is the Journal of Social Sciences, Economics and Humanities, published by the Institute for Research and Community Service Trunojoyo University, 2 times a year (April and October).
Arjuna Subject : Umum - Umum
Articles 472 Documents
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ANALYSIS OF THE DETERMINANTS OF MSME DEVELOPMENT IN BESITANG DISTRICT Barus, Muhammad Arif; Nasution, Muhammad Lathief Ilhamy; Tambunan, Khairina
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32361

Abstract

This study aims to analyze the influence of trust, working capital, market aspects, and sharia compliance on the development of micro, small, and medium enterprises (MSMEs) in Besitang Regency. MSMEs are a sector that has a strategic role in driving economic growth, but often faces various obstacles in its development. Using a quantitative approach, data were collected through questionnaires distributed to MSME actors in the area. The analysis technique used includes multiple linear regression to determine the relationship between independent variables (trust, working capital, market aspects, and sharia compliance) to the dependent variable (MSME development). The data analysis tools used are the classical assumption method, multiple linear regression analysis, and hypothesis testing. The results of this study indicate that: (1) Trust does not have a significant effect on the development of MSMEs in Besitang Regency, indicated by the trust coefficient value (X1) which is positive (0.066) and the p value is smaller than the significance level (0.623 0.05) and the calculated t (0.439) t table (2.368). (2) Working capital does not have a significant effect on the development of MSMEs in Besitang District, indicated by the working capital coefficient value (X2) which is positive (0.011) and the p value is smaller than the significance level (0.909 0.05) and the calculated t (0.115) t table (2.368). (3) Market access has a significant effect on the development of MSMEs in Besitang District, indicated by the Market Access coefficient value (X3) which is positive (0.442) and the p value is smaller than the significance level (0.001 0.05) and the calculated t (3.983) t table (2.368). (4) Sharia compliance does not have a significant effect on the development of MSMEs in Besitang District, indicated by the positive value of the sharia compliance coefficient (X4) (0.107) and the p-value is smaller than the significance level (0.1139 0.05) and the calculated t value (1.139) t table (2.368). (5) Trust, working capital, market access and sharia compliance have a significant effect on the development of MSMEs in Besitang District, indicated by the p-value is smaller than the significance level (0.002 0.05) and the calculated f value (4.587) ft table (2.47). and the determination coefficient (R2) value is 0.132 or 13.2%. This value shows that 13.2% of MSME development is influenced by trust, working capital, market access and sharia compliance. while the remaining 86.8% is influenced by independent variables that were not studied.Keywords: Trust, Working Capital, Market Aspect, Shariah Compliance, MSME Development
ANALYSIS OF THE CULINARY TOURISM DEVELOPMENT STRATEGY IN TAHU VILLAGE, ISLAMIC ECONOMIC REVIEW Fadila, Shintiya; Rahma, Tri Inda Fadhila; Yanti, Nursantri
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32071

Abstract

Kampung Tahu, as a culinary tourism destination, has great potential for optimal development. To ensure its consistency with Islamic economic principles, which emphasize justice, sustainability, and shared prosperity, the implemented development plan must be examined. Therefore, this study aims to determine the strategy for developing Kampung Tahu culinary tourism from an Islamic economic perspective. This study used the Systematic Literature Review (SLR) method with a search strategy in Google Scholar and Sinta published from 2020 to 2024. The results obtained indicate that the strategy is consistent with current theory and the promotional strategy is the most strategic approach. Entrepreneurs have also applied Islamic principles in running their businesses, which include the importance of conducting business fairly, honestly, and trustworthy, as well as paying attention to the quality of raw materials that are guaranteed halal.Keywords: Development Strategy, Tourism, Culinary Tourism, Islamic Economics
THE IMPACT OF SIMPANG LIMUN MARKET REVITALIZATION ON TRADERS INCOME : A REVIEW OF ISLAMIC ECONOMICS Mawaddah, Lely
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.31546

Abstract

AbstractThis research aims to analyze the impact of the revitalization of Simpang Limun Market on traders' income from an Islamic economic perspective. Market revitalization is an effort to improve the quality of infrastructure and governance of traditional markets to make them more competitive and efficient. This research uses a qualitative method with a descriptive approach, where data is obtained through interviews with traders and analysis of related documents. The research results show that market revitalization has had various impacts on traders. Some merchants experienced an increase in income, especially those who were able to utilize digital technology in marketing, while others experienced a decrease in income due to changes in location and increased competition, both in the market and with online merchants. From an Islamic economic perspective, market revitalization should fulfill the principles of justice (Al-'Adl), desire (Al-Mashlahah), honesty and transparency (Ash-Shidq Al-Amanah), as well as striving for freedom (Hurriyyah Tijariyyah). However, in practice, the distribution of revitalization benefits has not been evenly distributed, so some traders have difficulty adapting to the new system.Keywords: Market Revitalization, Income, Local Economic Growth
THE INFLUENCE OF CONSUMER BEHAVIOR AND SHARIA FINANCIAL LITERACY ON INTEREST IN USING FINTECH P2P LENDING AMONG FEBI UINSU STUDENTS Hayati, Nur Fadillah; Anggraini, Tuti; Nasution, Muhammad Latief Ilhamy
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32063

Abstract

This study aims to analyze the effect of consumptive behavior and Islamic financial literacy on the interest in using fintech P2P lending among students of the Faculty of Islamic  Economics and Business (FEBI) at UINSU. This research employs a quantitative approach with a causal associative method. The population consists of active FEBI UINSU students from the 2021 cohort, with a sample of 100 respondents selected using puprosive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with partial (t) tests and simultaneous (F) tests. The results indicate hat consumptive behavior has a positive and significant effect on the interest in using fintech P2P lending. Islamic financial literacy also has a positive and significant effect on this interest. Simultaneously, both independet variables significantly influence students interest in using conventional fintech. This phenomenon shows that although students have a good understanding of Islamic financial principles, factors such as accessibility, service speed, limited availability of Islamic fintech, and consumptive behavior still lead them to use conventional fintch.Keywords: Consumptive Behavior, Islamic Financial Literacy, Interest, Fintech P2P Lending
FISHERI INDUSTRY DEVELOPMENT STRATEGY FROM THE PERSPECTIVE OF MAQASID AL-SYARI’AH IN BELAWAN Syahputra, Ryan; Arif, Muhammad; Ikhsan Harahap, Muhammad
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32197

Abstract

The sharp decline in the volume and value of marine fisheries production at the Belawan Ocean Fishing Port (PPS) over the past three years indicates a structural crisis that requires values-based solutions. This study aims to formulate a strategy for developing the marine fisheries industry through a maqasid al-syariah approach as the foundation for equitable and sustainable economic development. The method used is a qualitative descriptive technique with semi-structured interviews with fisheries business actors, followed by a SWOT analysis to identify internal and external factors in the industry. The results indicate weak business capacity due to limited fishing gear, access to capital, and digital literacy, despite the potential for significant resources and government support. The development strategy formulated includes strengthening sharia institutions, technological modernization, Islamic value-based training, and marine environmental preservation, which are aligned with the six dimensions of maqasid al-syariah: protection of religion, life, mind, descendants, property, and the environment. This approach is considered capable of providing a strategy that is not only economically viable, but also ethical, inclusive, and sustainable..Keywords: Belawan Islamic Economym, Fishing Industry, Maqasid al-Shariah
SHARIA-BASED MSME DEVELOPMENT STRATEGY IN TEBING TINGGI CITY Lubis, Radja Janna; ,., Sugianto2; Rahmani, Nur Ahmadi Bi
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32070

Abstract

The purpose of this study is to develop a development plan for sharia-based MSMEs in Tebing Tinggi City to encourage more equitable and inclusive regional economic development. This study used a qualitative descriptive method. Five MSMEs that have implemented sharia principles in their operations were observed and interviewed to collect data. The collected data were then analyzed thematically to identify trends, obstacles, and development tactics. The study findings demonstrate that sharia-based MSMEs in Tebing Tinggi City have adopted Islamic values such as being free from usury, using halal materials, and contributing to social welfare. However, they still face significant challenges such as limited access to sharia financing, a lack of Islamic economic literacy, and suboptimal utilization of digitalization. Recommended development strategies include improving sharia literacy, partnerships with Islamic financial institutions, training in digitalization and halal marketing, and facilitating halal certification. An integrative approach based on spiritual values, technology, and institutionalization is needed to strengthen the competitiveness of sharia-based MSMEs sustainably. This study contributes to the strategic framework for sharia-based MSME development at the regional level, integrated with Islamic economic principles and local challenges. The uniqueness of this study lies in the focus on the local context of Tebing Tinggi City and the direct interview approach to formulate sustainable strategies.Keywords: Sharia-compliant MSMEs, development strategy, finance, local economy, Tebing Tinggi City
PENTAHELIX-BASED MSME DEVELOPMENT STRATEGY TO REDUCE THE UNEMPLOYMENT RATE IN TEBING TINGGI CITY Anggraini, Bunga; Syahbudi, Muhammad; Yanti, Nursantri
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32062

Abstract

This study aims to formulate a development strategy for Micro, Small, and Medium Enterprises (MSMEs) based on the Pentahelix approach to reduce unemployment in Tebing Tinggi City. The Pentahelix approach involves five main elements: academics, businesses, communities, government, and mentors, who collaborate in the local economic development process. The methodology is a qualitative one, including statistical data, questionnaires, in-depth interviews, document analysis, and observation as data collecting methods. The strategy is analyzed using the SOAR (Strengths, Opportunities, Aspirations, Results) framework and the Triple Bottom Line (TBL) principle, which includes social (people), environmental (planet), and economic (profit) aspects. The analysis results show that the combination strategy of Opportunities + Aspirations (OA) is the most optimal approach, with the highest score in the IFAS and EFAS analyses. The OA strategy is considered capable of utilizing external opportunities such as technological innovation, strategic partnerships, community collaboration, and policy support, to realize the aspirations of sustainable community economic empowerment. These findings demonstrate the importance of cross-sector collaboration in encouraging MSME growth as a strategic solution to reduce unemployment in the region.Keywords: MSMEs, Pentahelix, Unemployment, SOAR
DEVELOPMENT STRATEGY OF MESIKHAT CLOTH UMKM IN KUTA CANE AREA, SOUTHEAST ACEH Sari, Indah Purnama; Qarni, Waizul; Rahma, Tri Inda Fadhila
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.31959

Abstract

This study aims to identify the strengths and weaknesses in the development of Mesikhat cloth MSMEs in Kuta Cane, Southeast Aceh. Mesikhat is a traditional motif typical of the Alas Tribe with five main colors: red, yellow, white, green, and black, which has high cultural value. The study analyzes the internal and external conditions of MSMEs and development strategies that include creating a conducive business climate, integrated information management, developing an effective marketing system, as well as improving technical capabilities and adapting to modern market needs. In addition, this study highlights the importance of synergy between the government, academics, business actors, and the community in supporting the sustainability and increasing the competitiveness of Mesikhat cloth MSMEs. The results of the study are expected to be strategic recommendations for sustainable business development and oriented towards preserving local culture.Keywords: Meshichat Cloth, MSMEs, Marketing System
THE INFLUENCE RELIGIOSITY, LIFESTYLE, PRICE, AND FASHION TRENDS ON MUSLIM FASHION PURCHASE DECISIONS (A CASE STUDY OF GENERATION Z IN MEDAN CITY) Puspita, Ditiya
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.31578

Abstract

This study aims to analyze the influence of religiosity, lifestyle, price, and fashion trends on Muslim fashion purchasing decisions by Generation Z in Medan City. The method used is a quantitative approach with SEM-PLS analysis techniques through SmartPLS 4 software and involving 100 respondents. The results show that religiosity, lifestyle, and fashion trends have a significant influence on purchasing decisions, while price does not show a significant influence. The R² value of 57.3% indicates that the model can explain more than half of the variation in purchasing decisions. This finding reflects that Gen Z prioritizes religious aspects and lifestyle over price considerations, which is in line with the principles of consumption in Islamic economics namely, orientation towards needs, ethical values, and compliance with sharia.Keywords: Muslim fashion, religiosity, lifestyle, price, fashion trends, purchasing decisions
TRAVEL BUSINS STRATEGY USING THE BUSINESS MODEL CANVAS APPROACH ( CASE STUDY : SOFYAN TRAVEL ) Farhan, M. Hafiz; Lubis, Fauzi Arif; B. Syarbaini, Ahmad Muhaisin
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32196

Abstract

Sofyan Travel, a 15-year-old travel transportation business, has faced significant challenges due to the COVID-19 pandemic and increased digital competition. This study uses a qualitative case study approach to analyze Sofyan Travel's business strategy using the Business Model Canvas (BMC). The results show that the BMC approach enables the company to identify strengths, weaknesses, opportunities, and threats through nine key elements, such as customer segmentation, value proposition, distribution channels, and cost structure. The strategy focuses on personalized service, operational efficiency, service digitalization, and strategic partnerships. The implementation of the BMC has proven effective in increasing business competitiveness and sustainability by adapting conventional models to modern market needs. These findings reinforce the relevance of the BMC as an innovative tool for designing and managing travel businesses in an adaptive and customer-value-oriented manner. Keywords: Business Model Canvas, business strategy, travel, competitiveness

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