Sharia Economic and Management Business Journal (SEMBJ)

QRIS Implementation in Muslim MSMEs: Opportunities and Challenges for Digital Financial Inclusion in Pamekasan

2026-09-02T05:55:43+07:00

Background: The implementation of Quick Response Code Indonesian Standard (QRIS) has emerged as a strategic initiative to promote digital financial inclusion among micro, small, and medium enterprises (MSMEs) in Indonesia. However, adoption patterns vary significantly across regions, particularly in areas with strong socio-religious identities such as Pamekasan Regency.

Research Gap: While previous studies have examined QRIS adoption from technological and economic perspectives, limited attention has been given to understanding how Islamic ethical values shape technology acceptance among Muslim MSMEs in culturally religious communities. The integration of technology acceptance models with religious and ethical dimensions remains underexplored.

Novelty: This study offers a novel contribution by integrating the Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), and Islamic business ethics principles (amanah, ṣidq, taysīr, maṣlaḥah) to provide a comprehensive framework for understanding QRIS adoption behavior among Muslim MSMEs.

Method: Using a qualitative case study approach, data were collected through in-depth interviews, participant observation, and documentation involving 21 participants selected through purposive sampling. Thematic analysis was conducted using the Miles and Huberman interactive model.

Results: The findings reveal that QRIS adoption is driven not only by perceived usefulness and ease of use but also by Islamic ethical considerations that strengthen trust in digital payment systems. However, challenges persist, including limited digital literacy, cybersecurity concerns, infrastructure instability, settlement delays, and resistance to cashless transactions.

Conclusion: This study underscores the importance of integrating digital literacy programs, institutional support, and Islamic ethical approaches to promote inclusive and sustainable digital financial ecosystems among Muslim communities.

Analysis of Compliance with DSN-MUI Fatwa in the Murabahah Financing Contract (Case Study at BPRS Amanah Ummah)

2026-09-10T11:02:24+07:00

Background: The murabahah contract represents the dominant financing product in Islamic banking, making compliance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 essential for maintaining the integrity of Islamic financial institutions. However, studies indicate gaps between normative fatwa provisions and operational practices, particularly concerning wakalah mechanisms and financing supervision.

Research Gap: While previous research has examined sharia compliance from administrative and formal perspectives, limited attention has been given to understanding how institutional actors interpret, implement, and negotiate sharia principles in daily financing practices, especially within rural Islamic banks (BPRS).

Novelty: This study offers a novel contribution by exploring sharia compliance as a socially constructed practice shaped by institutional culture, actor understanding, and organizational dynamics, rather than merely as formal adherence to fatwa provisions. It integrates sharia governance theory with empirical evidence from a longstanding BPRS institution.

Method: Using a qualitative case study approach, data were collected through in-depth interviews, observations, and documentation involving 21 participants including leadership, Sharia Supervisory Board (DPS), financing employees, and customers at BPRS Amanah Ummah. Thematic analysis followed the Miles and Huberman interactive model.

Results: The findings reveal that BPRS Amanah Ummah demonstrates high compliance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000, particularly in margin transparency, property ownership, and financing supervision. Sharia compliance is supported by established SOPs, active DPS roles, and routine employee coaching. However, challenges persist including potential side streaming in wakalah contracts, low community sharia financial literacy, and administrative obstacles.

Conclusion: This study underscores that substantive sharia compliance requires strengthening digital literacy programs, optimizing financing supervision, and improving sharia governance to sustain Islamic principles in financial practices.

Analysis of Financial Services Authority (OJK) Regulation No. 12 of 2023 on Sharia Business Units in Mitigating the Impact of Inflation on Sharia Banking in Bengkulu Province

2026-09-10T11:02:22+07:00

Background: Inflationary pressures in Bengkulu Province have affected public purchasing power, real sector stability, and Islamic banking performance through increased Non-Performing Financing (NPF) risk and fluctuations in Third-Party Funds (DPK). In this context, the Financial Services Authority (OJK) issued OJK Regulation (POJK) No. 12 of 2023 on Sharia Business Units (UUS) as a policy to strengthen institutional structure, capital, governance, and Sharia compliance.

Research Gap: While previous studies have examined OJK regulations from national perspectives, limited attention has been given to analyzing the implementation and effectiveness of POJK No. 12/2023 in mitigating inflationary impacts at the regional level, particularly in provinces with unique economic structures such as Bengkulu.

Novelty: This study offers a novel contribution by integrating financial stability theory, Islamic economic principles (amanah, maslahah, adl), and regional economic data to analyze how regulatory frameworks can strengthen Islamic banking resilience against inflation in a predominantly agricultural region.

Method: Using a descriptive qualitative approach with secondary data analysis (library research), data were collected from official reports published by OJK, Bank Indonesia, and BPS. Content analysis and qualitative descriptive analysis were employed through data reduction, narrative presentation, and conclusion drawing.

Results: The findings indicate that POJK 12/2023 strengthens UUS through phased minimum core capital requirements, spin-off obligations, organizational structure strengthening, and stricter governance and compliance audits. Implementation in Bengkulu shows positive trends: DPK increased by 16.97%, NPF decreased by 46.19%, and MSME financing grew by 9.68%. However, challenges persist including low Islamic financial literacy (30-40%), food inflation pressures (4.2%), and capital constraints at parent banks.

Conclusion: POJK 12/2023 contributes positively to Islamic banking resilience in Bengkulu; however, strengthening Islamic financial literacy, developing digital services, and addressing structural constraints remain essential for optimizing regulatory effectiveness.

An Analysis of POAC Management Functions in Local Agro-Industry in Mandailing Natal: An Islamic Managerial Ethics Perspective

2026-09-10T11:02:26+07:00

Background: Agro-industry plays a strategic role in local economic development through value addition, employment creation, and income distribution. However, managerial capacity at the enterprise level remains a critical yet underexplored factor in sustaining these contributions, particularly in rural Muslim-majority regions.

Research Gap: While the POAC (Planning, Organizing, Actuating, Controlling) framework is widely applied in management studies, limited empirical research examines its implementation within rural agro-industrial enterprises. Moreover, existing Islamic business ethics scholarship has largely focused on individual entrepreneurial values rather than how those values shape or substitute for managerial systems at the organizational level.

Novelty: This study offers a novel contribution by integrating the POAC framework with Islamic managerial ethics (amanah, adl, tawazun, hisbah, israf) to examine how managerial functions operate in a rural rice milling enterprise, advancing the concept of "ethically embedded POAC" where Islamic values substitute for formal systems at micro-scale.

Method: Using a single-case qualitative design, data were collected through in-depth interviews with the owner-manager and workers, direct observation, and document review. Analysis proceeded in two coding cycles: thematic coding aligned with POAC functions, followed by interpretive coding against Islamic ethical constructs derived from maqashid al-shariah.

Results: All POAC components are present but operate informally and centrally. Planning is seasonal and intuitive; organizing relies on relational coordination; actuating is participatory; controlling remains reactive. Islamic values are enacted personally: amanah legitimizes authority without contract, adl secures fairness without written entitlement, while hisbah operates only as self-accounting and israf remains unmeasured.

Conclusion: Managerial integration is embedded in the owner's tacit knowledge rather than institutionalized procedures. The study reframes formalization as an ethical requirement for organizational durability, proposing a graduated institutionalization pathway beginning with loss measurement.

The Influence of Buzzer Content Quality and Content Credibility on Purchase Decision: The Mediating Role of Brand Trust among Culinary MSMEs in South Jakarta

2026-09-02T06:04:43+07:00

Background: The rapid expansion of digital communication has encouraged culinary micro, small, and medium enterprises (MSMEs) to increasingly rely on buzzer-generated promotional content to attract consumers and strengthen their market presence. Although previous studies have acknowledged the importance of digital content in shaping consumer behavior, limited attention has been given to how the quality and credibility of buzzer-generated content jointly influence purchase decisions through the development of brand trust, particularly in the culinary MSME sector.

Methods: This study employed a quantitative research approach to examine the relationships among buzzer content quality, content credibility, brand trust, and purchase decisions. Data were collected from 98 consumers of culinary MSMEs in South Jakarta using a structured questionnaire. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 to evaluate both the measurement and structural models.

Results: The findings indicate that both buzzer content quality and content credibility have positive and significant effects on brand trust and consumers' purchase decisions. Brand trust demonstrated the strongest direct effect on purchase decisions and partially mediated the relationships between buzzer content quality, content credibility, and purchase decisions. Furthermore, the structural model exhibited satisfactory explanatory power, confirming that the proposed framework effectively explains consumer purchasing behavior in the culinary MSME context.

Conclusion: This study extends the application of Information Quality Theory to buzzer marketing by demonstrating that content quality and credibility work together to strengthen brand trust and ultimately enhance consumers' purchase decisions. The findings suggest that culinary MSMEs should prioritize the development of trustworthy, informative, and high-quality buzzer-generated content to reinforce consumer confidence and improve the effectiveness of their digital marketing strategies.

When Does Technology Acceptance Translate into Purchase Intention? The Moderating Role of Trust in Indonesian Fashion E-Commerce

2026-09-10T11:02:21+07:00

Background: The rapid growth of fashion e-commerce in Indonesia has increased the importance of understanding the factors that encourage consumers' online purchase intentions. Although the Technology Acceptance Model (TAM) has consistently explained technology adoption, the extent to which technology acceptance translates into purchase intention remains unclear, particularly for high-uncertainty products such as fashion.

Research Gap: While previous studies have examined the influence of perceived usefulness, perceived ease of use, and trust on purchase intention in various e-commerce contexts, limited research has positioned trust as a moderating variable that conditions the relationship between technology acceptance and purchase intention, especially in Indonesian fashion e-commerce. The distinction between web quality and web credibility as separate evaluative pathways remains underexplored.

Novelty: This study offers a novel contribution by proposing a Conditional Technology Acceptance Model that tests trust as a boundary condition moderating the relationships between perceived usefulness, perceived ease of use, and purchase intention. It also distinguishes web quality as a cognitive pathway forming TAM beliefs and web credibility as an assurance pathway building trust, providing conceptual advancement beyond the additive TAM approach.

Method: This study employed a quantitative explanatory approach with a cross-sectional design. Data were collected from 111 Indonesian consumers who had purchased fashion products through e-commerce platforms using purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.

Results: The findings reveal that web quality significantly influences perceived ease of use (β = 0.526) and perceived usefulness (β = 0.437), while web credibility significantly enhances trust (β = 0.450). Perceived ease of use (β = 0.355), perceived usefulness (β = 0.187), and trust (β = 0.257) each have positive and significant effects on purchase intention. However, trust does not significantly moderate the relationships between perceived usefulness, perceived ease of use, and purchase intention.

Conclusion: Purchase intention in Indonesian fashion e-commerce is primarily driven by technology acceptance and trust as direct determinants rather than by the moderating effect of trust. Improving website quality and credibility is essential for strengthening consumers' purchase intentions and enhancing digital shopping experiences.

Transformational Leadership and Organizational Culture in Enhancing Political Party Leaders’ Performance: The Mediating Role of Communication Strategy on Electoral Outcomes

2026-09-16T21:13:03+07:00

Background: Background: In the competitive landscape of modern Indonesian democracy, political parties must optimize leadership effectiveness and organizational culture to achieve electoral success. Transformational leadership and organizational culture are critical determinants of party leaders' performance, yet their mechanisms of influence remain underexplored, particularly within Islamic political contexts.

Research Gap: Despite extensive leadership literature, empirical studies examining the combined effects of transformational leadership, organizational culture, and communication strategy on political party leaders' performance in Indonesian Islamic political parties are limited. Additionally, the mediating role of communication strategy between these organizational factors and electoral outcomes has received insufficient attention.

Novelty: This study introduces an integrated framework combining transformational leadership theory with Islamic leadership principles (ṣiddīq, amānah, tablīgh, faṭānah) within Indonesia's Partai Amanat Nasional (PAN), offering a unique socio-religious perspective on political leadership effectiveness.

Method: A quantitative approach using Structural Equation Modeling (SEM) with SmartPLS was employed. Data were collected through questionnaires distributed to 200 PAN members and administrators selected via purposive sampling.

Results: Transformational leadership significantly influences communication strategy (β=0.45, p<0.001) and leaders' performance (β=0.41, p<0.001). Organizational culture significantly affects communication strategy (β=0.38, p<0.001) and leaders' performance (β=0.35, p<0.001). Communication strategy strongly impacts leaders' performance (β=0.47, p<0.001) and electoral outcomes (β=0.52, p<0.001). Communication strategy partially mediates both relationships.

Conclusion: Integrating transformational leadership, organizational culture, and communication strategy enhances political leaders' performance and electoral outcomes. The findings extend conventional leadership theory by incorporating Islamic governance principles, offering practical implications for developing ethical, professional political organizations in Indonesia's democratic context.

Linking Transformational Leadership and KPI Systems to Employee Performance: The Mediating Role of Expectancy-Based Motivation in Public Transportation

2026-09-16T20:41:15+07:00

Background: This research examines how transformational leadership and key performance indicator (KPI) systems influence employee performance, with expectancy-based motivation as a mediating mechanism in public transportation. The study addresses a gap in prior research that has commonly used general work motivation, organizational commitment, or job satisfaction rather than expectancy-based motivation to explain how leadership and performance-management systems are translated into performance outcomes.

Research Gap: Previous studies have examined transformational leadership and performance through general work motivation, organizational commitment, or job satisfaction. Such mediators are useful, but they do not directly specify the cognitive chain linking effort, performance, and valued outcomes. Furthermore, limited research has examined transformational leadership and KPI systems simultaneously in a public transportation context.

Novelty: This study focuses specifically on expectancy-based motivation as the mediating mechanism and examines transformational leadership and KPI systems simultaneously in a public transportation context. It extends expectancy theory from an individual-level motivational explanation to an integrated organizational model where leadership and KPI architecture function as antecedents of expectancy, instrumentality, and valence.

Method: A quantitative cross-sectional survey was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS. The measurement model was assessed through convergent validity and reliability, while the structural model was evaluated through path coefficients, indirect effects, and R-square.

Results: Transformational leadership positively affects employee performance (β=0.276) and expectancy-based motivation (β=0.489). KPI systems positively affect employee performance (β=0.241) and expectancy-based motivation (β=0.352). Expectancy-based motivation positively affects employee performance (β=0.418). The indirect effects of transformational leadership (β=0.204) and KPI systems (β=0.147) through expectancy-based motivation are significant, indicating partial mediation. The model explains 64.2% of the variance in expectancy-based motivation and 71.1% of employee performance.

Conclusion: Public transportation organizations should combine transformational leadership with transparent, fair, and behaviorally balanced KPI systems, supported by coaching, feedback, recognition, and ethical safeguards. The findings extend expectancy theory by showing that leadership and KPI design operate as organizational antecedents of expectancy, instrumentality, and valence perceptions in a public-service setting.

A Blockchain-Based Cash Waqf Model for Financing Ultra-Micro Enterprises in Indonesia

2026-09-10T11:02:17+07:00

Background: Ultra-micro enterprises in Indonesia continue to face limited access to formal financing because of inadequate collateral, weak financial records, irregular cash flows, and high administrative costs. Cash waqf has the potential to provide sustainable financing, but its implementation is constrained by fragmented institutional records, limited transparency, weak accountability, and low public trust.

Research Gap: The existing literature remains largely disconnected between Islamic microfinance, cash waqf governance, and blockchain applications. Limited discussion exists of a model designed specifically for Indonesia that brings together the protection of the waqf principal, institutional responsibilities, and permissioned blockchain governance for ultra-micro enterprise financing.

Novelty: This study develops a blockchain-based cash-waqf model that integrates institutional actors (waqif, LKS-PWU, registered nazhir, Indonesian Waqf Board, Micro Waqf Banks, Sharia supervisory boards, auditors, mentors, and ultra-micro enterprises) through a permissioned consortium blockchain. It distinguishes blockchain as governance infrastructure from cryptocurrency, separates financial settlement from recordkeeping, and incorporates privacy-by-design through off-chain data protection.

Method: A qualitative descriptive-analytical approach based on library research and document analysis was employed. Data were obtained from peer-reviewed publications, scholarly books, regulations, government documents, and institutional reports concerning cash waqf, Micro Waqf Banks, Islamic microfinance, blockchain, smart contracts, and financial inclusion. Data were analysed through descriptive, qualitative content, and thematic analyses.

Results: The proposed model uses a permissioned consortium blockchain where all financial transactions remain in Indonesian rupiah while blockchain records approvals, fund allocations, disbursements, repayments, mentoring, audits, and impact reports. Smart contracts support operational stages including programme approval, beneficiary screening, gradual disbursement, repayment tracking, and auditing. Sensitive personal information is stored separately in secure off-chain databases. The integration of these mechanisms enhances transparency, institutional coordination, accountability, and efficient fund distribution while preserving the principal value of cash waqf.

Conclusion: Blockchain can strengthen the governance of cash-waqf financing when supported by clear institutional responsibilities, Sharia supervision, data protection, cybersecurity, and regulatory compliance. The proposed model remains conceptual and requires expert validation, prototype development, and pilot implementation.

When Digital Needs Are Not Enough: Social Norms, Digital Consumption, and Well-Being through an Islamic Ethical Lens

2026-10-05T22:23:11+07:00

Background: Digital technology has become increasingly integral to contemporary society, raising questions about whether digital needs function as basic needs that directly contribute to well-being. However, existing studies have not fully explained whether digital need priority influences well-being directly or whether this relationship depends on digital consumption behavior and digital well-being.

Research Gap: Most previous research views the relationship between digital needs and well-being as straightforward, assuming increased digital priorities automatically impact individual well-being. This approach tends to ignore the possibility that digital consumption behavior may play a role in explaining the relationship between need orientation and psychological outcomes. Furthermore, social factors are often overlooked in explaining why digital needs become a priority.

Novelty: This study re-examines the role of digital need priority by integrating social norms, digital motivation, digital consumption behavior, and digital well-being. It conceptualizes digital need priority as a cognitive-evaluative orientation rather than as a proxy for access or use intensity, distinguishing instrumental and hedonic digital consumption behaviors.

Method: A quantitative cross-sectional design was employed. Data were collected through a survey of 156 urban respondents who actively used digital technology. The proposed model was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).

Results: Digital need priority does not significantly influence digital well-being, either directly or indirectly through digital consumption behavior. Instead, both instrumental and hedonic digital consumption behaviors significantly enhance digital well-being. Digital well-being subsequently increases subjective well-being and reduces stress. Subjective norm, rather than digital motivation, significantly shapes digital need priority.

Conclusion: Digital needs may function more as socially influenced priorities than as direct determinants of well-being. Improving well-being in the digital era requires not only access to technology but also balanced, purposeful, and healthy digital consumption practices. From an Islamic ethical perspective, digital well-being requires purposeful and balanced use that advances maslahah while avoiding israf.

Strategic Management Practices in Islamic Boarding Schools: A Systematic Literature Review

2026-10-05T22:24:17+07:00

Background: Pesantren (Islamic boarding schools) have evolved from purely religious educational institutions into complex organisations managing business units, cooperatives, and community empowerment programmes, a shift accelerated by Indonesia's Pesantren Law (2019) and the One Pesantren One Product programme. Despite this growth, research on how pesantren strategically manage this dual educational and socio-economic mandate remains fragmented across isolated themes such as leadership, governance, and quality management.

Research Gap: Prior studies remain largely fragmented, examining leadership, digitalisation, governance, financial management, human resource development, or educational quality in isolation rather than as interconnected components of a coherent strategic management system. Few studies have systematically synthesised how various strategic management practices jointly contribute to institutional performance, resilience, and sustainability across the more than 42,000 pesantren operating in Indonesia today.

Novelty: This study conducts a Systematic Literature Review to map research development on strategic management in pesantren, synthesise empirical evidence across six domains, and construct an integrated conceptual framework positioning religious leadership as the foundational legitimising layer from which strategic planning, managerial operationalisation, and institutional performance reciprocally flow.

Method: This study employed a Systematic Literature Review using the Scopus database. An initial search using the keywords "Islamic Boarding School" OR "Pesantren" yielded 1,430 publications, narrowed to 241 management related articles, and screened by title and abstract following PRISMA guidelines to yield 82 peer reviewed journal articles (2012 to 2026) for thematic content analysis, complemented by keyword co occurrence mapping using VOSviewer.

Results: Publication output has grown sharply since 2019, with over half of the studies published in the last three years. The co occurrence map reveals four interlocking clusters: leadership and human capital, educational quality and strategic formulation, an explicit strategic management vocabulary, and financial accountability. Findings show that strategic planning is predominantly emergent, kiai leadership functions as the legitimising precondition for other strategic instruments, and governance is shifting toward hybrid accountability models.

Conclusion: The review synthesises these findings into an integrated conceptual framework offering a theoretical bridge across previously disconnected research streams and a practical reference for strengthening pesantren strategic management capacity. Future research should develop validated survey instruments, conduct longitudinal studies, and extend analysis to pesantren networks and cross country comparisons.

Community Empowerment Strategy Based on Local Wisdom in Reducing Unemployment Rates in North Sumatra in the Perspective of Religious Moderation

2026-09-10T11:02:12+07:00

Background: North Sumatra possesses diverse forms of local wisdom embedded in Malay, Batak Toba, Karo, Chinese, Indian/Tamil, and other communities. These cultural assets have economic potential through tourism, culinary businesses, crafts, traditional clothing, performances, and community-based creative industries. However, their contribution to employment creation depends on whether cultural assets can be transformed into sustainable value chains supported by capable community institutions, inclusive governance, market access, responsible financing, and protection of cultural and environmental assets.

Research Gap: Previous studies have separately addressed local wisdom and creative industries, community empowerment and local development, tourism-based community participation, and Islamic social finance. However, limited attention has been given to an integrated framework linking local wisdom, community empowerment, employment pathways, religious moderation, Islamic economic values, practical institutional mechanisms, and multidimensional sustainability in North Sumatra.

Novelty: This study offers an integrated analytical framework connecting local wisdom assets, community empowerment, creative economy value chains, employment diversification, religious moderation as governance mechanism, Islamic economic principles (maslahah, 'adl, ta'awun, tawazun), Islamic social finance instruments, and sustainable livelihood principles in a single coherent model for North Sumatra.

Method: This study uses a qualitative descriptive document-analysis approach based on scholarly literature, institutional documentation, and prior studies concerning local wisdom and community-based economic development in North Sumatra. The materials are analyzed through data reduction, thematic classification, cross-case comparison, interpretation, and synthesis.

Results: The findings show that local wisdom can generate employment through interconnected activities such as cultural guiding, performing arts, craft production, culinary microenterprises, festival services, digital marketing, homestays, and agro-cultural tourism. Evidence from Pematang Johar rice-field tourism and Maimun Palace illustrates how locally rooted attractions can create space for farmers, traders, microenterprises, guides, and service providers. Five priority strategies are identified: skills and digital market access; institutional collaboration and business incubation; inclusive multiethnic governance grounded in religious moderation; Islamic social finance and halal-livelihood support; and cultural, environmental, and climate resilience.

Conclusion: Maslahah, 'adl, ta'awun, tawazun, and work as ibadah provide normative principles for broad benefit, fair access, cooperation, balance, and ethical production. Because the study relies on secondary data, it identifies context-specific employment and sustainable-livelihood pathways rather than a causal reduction in unemployment.

The Role of Adaptive Innovation in Sustainable Competitiveness: Evidence from Private Higher Education Institutions' Response to Digital Disruption on Student Retention and Institutional Reputation

2026-10-05T22:25:39+07:00

Background: Private higher education institutions face increasing pressure from digital disruption, competition, and changing stakeholder expectations. However, digital transformation does not automatically lead to innovation outcomes. This study examines the roles of digital disruption, dynamic capabilities, and organizational ambidexterity in developing adaptive innovation and its impact on student retention, institutional reputation, and sustainable competitive advantage.

Research Gap: Previous studies have largely focused on technology adoption, digital learning platforms, and technological readiness, providing limited explanation of how digital disruption is transformed into adaptive innovation and institutional outcomes. The organizational mechanisms underlying adaptive innovation remain insufficiently integrated, with dynamic capabilities and organizational ambidexterity often examined separately rather than as interconnected capability mechanisms.

Novelty: This study develops an integrated framework linking digital disruption, dynamic capabilities, and organizational ambidexterity with adaptive innovation, and examines how adaptive innovation contributes to student retention, institutional reputation, and sustainable competitive advantage in private higher education institutions, extending Dynamic Capabilities Theory into the higher education context.

Method: A quantitative explanatory design using a cross-sectional survey was employed. Data were collected from 316 academic and managerial respondents across 77 private higher education institutions in the LLDIKTI Region II area of Indonesia. The proposed model was analyzed using Partial Least Squares Structural Equation Modeling with SmartPLS 4.0, including measurement model assessment, structural model evaluation, effect size analysis, and predictive assessment.

Results: The findings show that dynamic capabilities strongly influence adaptive innovation (β=0.802, p<0.001), followed by organizational ambidexterity (β=0.241, p<0.001). Adaptive innovation positively affects student retention (β=0.741, p<0.001) and institutional reputation (β=0.916, p<0.001), while institutional reputation enhances sustainable competitive advantage (β=0.744, p<0.001). Digital disruption does not significantly influence adaptive innovation (β=-0.036, p=0.054), indicating that technology pressure alone is insufficient to generate innovation without organizational capabilities. The model explains 93.3% of the variance in adaptive innovation.

Conclusion: Adaptive innovation in private higher education institutions is primarily capability-driven rather than technology-driven. The study extends Dynamic Capabilities Theory by demonstrating that organizational capabilities are essential for transforming digital challenges into innovation outcomes and sustainable competitiveness.

Reconstruction Islamic Banking Fiqh Based on Maqashid al-Shariah: Strengthening Islamic Economic Ecosystem and Authority Religious Courts (PA) in Indonesia

2026-10-05T22:28:11+07:00

ABSTRACT

Background: The rapid evolution of the global Islamic finance industry necessitates a methodological shift from rigid, text-based legal compliance (hilah) toward a purpose-driven framework that prioritizes the substantive objectives of Islamic law (Maqashid al-Shariah). Simultaneously, massive financial digitalization introduces regulatory gaps, while the Religious Courts face capacity challenges in adjudicating complex, tech-driven economic disputes under standard formalistic procedures.

Research Gap: A distinct dichotomy persists between the rapid innovation of digital-based Islamic banking products and the slow adaptation of contemporary fiqh methodologies and judicial doctrines, creating a disparity between formal legal certainty and substantive justice for modern economic actors.

Novelty: This study introduces a comprehensive, multi-layered integrated framework that unifies fiqh reconstruction, maqashid-based banking governance, economic ecosystem orchestration (commercial finance, ZISWAF, MSMEs, and fintech), and religious judicial oversight into a self-correcting structural feedback loop.

Method: Employing a combined juridical-normative and socio-legal approach, this study analyzes conceptual foundations, statutory regulations, court jurisdictions, and contemporary Islamic legal literature, utilizing qualitative descriptive-analytical evaluation of primary and secondary legal materials.

Results: The findings demonstrate that reconstructing fiqh through the five objectives of Maqashid al-Shariah transforms Islamic banks from conventional intermediaries into holistic ecosystem orchestrators aligned with ESG standards and the Sharia Maqashid Index (SMI). Furthermore, expanding the absolute jurisdiction of Religious Courts through maqashid-based judicial interpretation enables judges to resolve complex modern financial disputes and enforce substantive distributive justice.

Conclusion: Synchronizing jurisprudential reform, ethical market orchestration, and adaptive judicial oversight successfully bridges theoretical legal principles with practical execution, establishing a resilient, equitable, and sustainable Islamic economic ecosystem.

Keywords: Islamic Banking Fiqh, Maqashid al-Shariah, Islamic Economic Ecosystem, Religious Courts Authority, Substantive Justice

Gendered Push-Pull-Mooring: Investigating E-Wallet Switching Intention in Indonesia

2026-09-10T11:02:09+07:00

ABSTRACT

Introduction: This study examines e-wallet switching intention in Indonesia through the Push–Pull–Mooring (PPM) framework, integrating Dissatisfaction with System Quality (DS) and Privacy Concerns (PC) as push factors, Perceived Benefits (PB) as pull factor, and Social Influence (SO) and Inertia (IN) as mooring factors. Gender serves as a grouping variable analyzed via Multi-Group Analysis (MGA).

Methods: A quantitative explanatory design was employed with 258 valid responses from active Indonesian e-wallet users. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0, followed by MICOM and permutation-based MGA based on gender (0 = male, n = 102; 1 = female, n = 156).

Results: DS (β = 0.391, p = 0.000) and PB (β = 0.138, p = 0.014) significantly influence switching intention, while SO (β = 0.274, p = 0.000) also exerts a significant positive effect. IN (β = 0.134, p = 0.063) and PC (β = −0.052, p = 0.392) do not significantly influence switching intention. R² = 0.438. MICOM confirms partial measurement invariance. Bootstrap MGA reveals no statistically significant gender differences across all paths.

Conclusion: Dissatisfaction with system quality and social influence are primary drivers of e-wallet switching intention, while perceived benefits act as an additional pull driver. The absence of significant gender differences supports universal, gender-inclusive retention strategies. Providers should prioritize service reliability, privacy transparency, and benefit-enhancement programs to minimize user migration.

The Role of Digital-Based Marketing Management in Expanding the Market Reach of MSMEs in Deli Serdang Regency

2026-10-05T22:29:05+07:00

Micro, Small, and Medium Enterprises (MSMEs) play a significant role in regional economic development; however, many MSMEs face challenges in expanding their market reach due to limited marketing capabilities and intense competition. The rapid development of digital technology has created new opportunities for MSMEs to overcome these limitations through digital-based marketing management. This study aims to examine the role of digital-based marketing management in expanding the market reach of MSMEs in Deli Serdang Regency. This research employs a quantitative explanatory approach using a cross-sectional design. Data were collected from 100 MSMEs in Deli Serdang Regency that actively utilize digital marketing platforms. The data were analyzed using descriptive statistics, validity and reliability tests, and simple linear regression analysis with the assistance of SPSS software. The results indicate that digital-based marketing management has a positive and significant effect on market reach expansion among MSMEs. Effective management of digital marketing activities enables MSMEs to increase customer numbers, expand geographical market coverage, and enhance brand visibility. The findings suggest that digital-based marketing management is a key strategic factor in improving MSME competitiveness and supporting sustainable business growth. This study provides practical implications for MSME owners and policymakers to strengthen digital marketing capabilities through training programs, strategic guidance, and improved digital infrastructure to maximize market expansion opportunities.

Satuwakaf Indonesia App in the Eye of Indonesian Youth: Comparing Millennials and Gen Z Preferences

2026-09-17T18:43:36+07:00

Background: Indonesia's demographic bonus provides an opportunity to expand digital waqf participation among Millennials and Generation Z through the Satuwakaf Indonesia application. Therefore, there are urgencies to analyse the behavior and preferences of Digital Waqf among Indonesian Youth.

Method: This study employed a quantitative approach within a sequential explanatory mixed-method design. Data from 428 respondents were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM), Multi-Group Analysis (PLS-SEM MGA), and robustness testing.

Results: Attitude, subjective norm, perceived behavioral control, perceived ease of use, perceived usefulness, outcome satisfaction, expectation, and altruism significantly influenced digital waqf intention, whereas process satisfaction did not significantly affect expectation. Altruism also strengthened the relationships between TPB constructs and behavioral intention. Multi-group analysis indicated that the structural model was generally consistent across Millennials and Generation Z, with a significant difference only in the relationship between outcome satisfaction and expectation.

Conclusion: Integrating TPB, ETAM, and altruism provides a comprehensive framework for explaining digital waqf adoption and offers practical guidance for improving digital waqf platforms and increasing youth participation.

Spirituality-Based Human Resource Management: Managerial Lessons from PT Waroeng Steak Indonesia

2026-09-21T16:23:24+07:00

Background: Integrating spiritual values into human resource management (HRM) has emerged as a compelling organizational imperative, particularly in contexts where religious observance paradoxically coexists with persistent workplace ethical failures. Despite growing scholarly interest in spirituality-based management, empirical studies examining how Islamic spiritual values are systematically operationalized within a company's HRM architecture remain limited, especially in the Indonesian culinary business sector.

Research Gap: Empirical studies examining how Islamic spiritual values are systematically operationalized within a company's HRM architecture remain limited, especially in the Indonesian culinary business sector. Previous research has largely examined spirituality and religiosity as isolated variables rather than as integrated components of HRM systems, leaving the mechanisms through which spiritual values translate into measurable organizational outcomes insufficiently explained.

Novelty: This study uniquely examines how a company operationalizes spirituality-based HRM through its "work as worship" philosophy, embedding Islamic values including amanah, ihsan, and tawhid directly into its Performance Management System. It identifies six measurable organizational outcomes and demonstrates how the Company Spiritual Program serves as the primary HRM mechanism transforming spiritual intention into institutionally accountable performance.

Method: This research employs a qualitative approach within an interpretive paradigm. Data were collected through participant observation, in-depth interviews with founders, managers, and employees of PT Waroeng Steak Indonesia, and documentation review of internal policies and spiritual governance frameworks. Data analysis followed the Miles and Huberman interactive model, encompassing iterative stages of data reduction, data display, and conclusion drawing, verified through member checking and source triangulation.

Results: PT Waroeng Steak Indonesia operationalizes spirituality-based HRM through its "work as worship" philosophy, embedding Islamic values including amanah, ihsan, and tawhid directly into its Performance Management System. This integration produces six measurable organizational outcomes: fraud prevention, enhanced employee productivity, workplace harmony, strengthened organizational reputation, sustainable growth, and significantly reduced employee turnover. The Company Spiritual Program, active since 2010, serves as the primary HRM mechanism that transforms spiritual intention into institutionally accountable performance.

Conclusion: Spirituality-based HRM constitutes a pragmatically sound and empirically validated management paradigm. Organizations that systematically embed universal spiritual values into their HRM architecture cultivate intrinsically motivated, ethically grounded workforces that generate sustainable competitive advantages inimitable by conventional management approaches.

The Effect of Operational and Service Staff Quality on Customer Loyalty Through Customer Satisfaction: Evidence from SPBG Cililitan

2026-09-28T10:02:43+07:00

Background: SPBG Cililitan merupakan stasiun pengisian bahan bakar gas yang berlokasi di Jakarta Timur, melayani kebutuhan energi kendaraan berbahan bakar gas. Dalam konteks industry layanan bahan bakar yang kompetitif, pemahaman mengenai faktor-faktor yang memengaruhi loyalitas pelanggan sangat krusial untuk keberlanjutan bisnis. Penelitian terdahulu seringkali memperlakukan kualitas layanan sebagai konstruk monolitik, padahal terdapat perbedaan mendasar antara kualitas operasional dan kualitas interaksi staf.

Method: Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei eksplanatif. Sampel berjumlah 106 responden dipilih menggunakan teknik purposive sampling dari pelanggan SPBG Cililitan. Data dikumpulkan melalui kuesioner daring dengan skala Likert 1–5. Analisis data menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui perangkat lunak SmartPLS 3.0.

Results: Hasil analisis menunjukkan bahwa Service Staff Quality memiliki pengaruh positif yang sangat signifikan terhadap Customer Satisfaction (β = 0,805; p = 0,000), sedangkan Operational Quality tidak signifikan (β = 0,017; p = 0,881). Customer Satisfaction terbukti memiliki pengaruh signifikan terhadap Customer Loyalty (β = 0,605; p = 0,003). Customer Satisfaction memediasi secara penuh (full mediation) hubungan antara Service Staff Qualitydan Customer Loyalty (efek tidak langsung = 0,488; p = 0,004).

Conclusion: Peningkatan kualitas interaksi staf layanan merupakan prioritas utama untuk meningkatkan kepuasan pelanggan, yang selanjutnya akan mendorong terwujudnya loyalitas pelanggan di SPBG Cililitan. Aspek operasional meskipun merupakan fondasi layanan, tidak secara langsung memengaruhi kepuasan maupun loyalitas pelanggan.

Analyzing Consumer Behavioral Intention to Utilize Food Delivery Services in Ride-Hailing Apps: A Study of Malang’s Culinary MSME

2026-10-14T02:28:26+07:00

Background: The MSME sector, especially the food and beverage industry, is a critical pillar for national economic stability and employment. However, actual field conditions reveal that technological implementation among small business actors does not always progress smoothly. Moreover, previous empirical findings concerning the effects of UTAUT constructs on technology adoption intentions within small enterprises still yield inconsistent and contradictory results.

Method: This study employed a quantitative approach with explanatory and correlational research design. A sample of 173 Culinary SME respondents was selected using purposive sampling were collected through closed questionnaires with a 1-5 Likert scale. Data analysis utilized Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) using SmartPLS 4.0 software.

Results: The result showed that the structural model reveals a highly synchronized, positive network of behavioral and infrastructural dependencies. The verification of Effort Expectancy confirms that application simplicity is an essential catalyst in reducing initial resistance to technology.

Conclusion: This study validates the UTAUT model within the supply-side ecosystem of culinary MSMEs in Malang City. Empirical findings show that digital transformation in small food businesses is driven by a synchronized mix of cognitive, social, and structural factors. Specifically, performance expectancy, effort expectancy, social influence, and facilitating conditions shape merchants' intentions to adopt online food delivery platforms. Ultimately, behavioral intention and facilitating conditions successfully translate this willingness into sustained, routine technology usage.

Developing an Integrated Maqāṣid al-Sharī'ah-Based Social Entrepreneurship Ecosystem Model for Sustainable Development: Empirical Evidence from HIPMI Indonesia

2026-10-14T02:28:29+07:00

Background: Social entrepreneurship is increasingly seen as a strategic engine for the Sustainable Development Goals (SDGs) in countries with a majority of Muslims. However, there are few empirical studies that treat Maqāṣid al-Sharī'ah as a measurable construct within entrepreneurial ecosystem models, and there is little data on how entrepreneurial associations like the Indonesian Young Entrepreneurs Association (HIPMI) influence this process.

Method: This study used a quantitative, explanatory approach to survey 255 HIPMI members in North Sumatra, Indonesia, using a five-point Likert-scale questionnaire. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to analyze the data.

Results: The measurement model met all validity and reliability criteria (AVE = 0.777–0.902; Cronbach's Alpha and Composite Reliability above 0.90), while the structural model demonstrated strong predictive relevance (Q² = 0.679–0.738), substantial explanatory power (R² = 0.764–0.886), and a good overall fit (SRMR = 0.038). Social Entrepreneurship was one of the twelve hypotheses that received support.Features that have the most beneficial impact on Maqāṣid al-Sharī'ah (β = 0.600). External support had no discernible direct impact on Maqāṣid al-Sharī'ah, while the role of HIPMI had no discernible direct impact on SDG Contribution. However, both relationships gained significance after being mediated by the Social Entrepreneurship Ecosystem.

Conclusion: These results corroborate the Islamic Social Entrepreneurial Ecosystem Model (ISEEM), demonstrating that when entrepreneurial capacity, ecosystem development, institutional support, and the internalization of Maqāṣid al-Sharī'ah work together, sustainable development is strengthened.

The Role of Online Communities in Improving Islamic Financial Literacy: A Systematic Literature Review

2026-10-14T02:28:28+07:00

Background: Islamic Financial Literacy plays a role important in development business and Islamic finance industry . In 2025 the index literacy finance Indonesia's national average was 66.46% (up 1.03% compared to 2024 ) and index inclusion finance national by 80.51% (up by 5.49% compared to 2024 ) however index Islamic finance literacy only by 43.41% and inclusion Islamic finance by 13.41%. In Indonesia, there are 212 million individuals who use the internet with level penetration reached 74.6 percent and globally 77% of internet usage is for social media where many online communities formed there. Needs to be done another approach in effort increase Islamic finance literacy, namely through approach community online research. This research aim for see role online community towards Islamic financal literacy and what only what is necessary be noticed so that you can impact to improvement Islamic financial literacy

Method: This study employed the systematic literature review approach in exploring the link that connects online communities and Islamic financial literacy. The systematic literature review approach was carried out based on the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines. Articles were collected from several academic databases, including Scopus, ScienceDirect, and Google Scholar, using keywords such as online communities, Islamic financial, literacy

Results: Online communities play a role as network dynamic for dialogue, exchange knowledge , and creation meaning collective specifically related finance sharia.In side That online communities also function as social norm formers based on Islamic law and form attitude consumer to finance sharia. In his role to Islamic financial literacy online community can strengthened with social media as factor moderation and participation push adoption use technology financial technology. Approach this online community There is challenges that need to be overcome become attention namely potential occurrence conflict between member online community because difference understanding against issue certain related with Islamic finance . The other challenges is the existence of a skills gap in use technology and disruption technical (such as disturbed signal ) especially in remote areas .

Conclusion: The role of online communities in Islamic financial literacy shows that digital space is not just a means of communication , but rather ecosystem crucial social - cognitive in form behavior finance society , act as factor strengthening moderation connection between literacy finance and inclusion Islamic finance , as predictor strongest for intention individual for adopt product of Islamic finance and its functions as network dynamic for dialogue, exchange source power , and manufacturing meaning collective about sharia principles and also the driving force for consumer for keep going use ( continuance intention ) of the service finance sharia- based .

Digital Transformation in the Halal Industry Ecosystem: A Study of Halal MSMEs in Pekanbaru City

2026-10-14T02:28:24+07:00

Background: Digital transformation is a critical factor in the development of halal micro, small, and medium enterprises (MSMEs) in the digital economy era, as it can improve business efficiency, expand market access, and strengthen the halal industry ecosystem. However, its implementation still faces various obstacles, such as low digital literacy, limited human resources, and suboptimal technology utilization. This study aims to analyze the implementation of digital transformation among halal MSMEs in Pekanbaru City, identify the supporting and inhibiting factors, and examine its contribution to strengthening the halal industry ecosystem.

Method: This study employs a qualitative approach with a case study design involving six halal MSMEs in Pekanbaru City selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, then analyzed using the interactive model of Miles, Huberman, and Saldaña, with data validity tested through source triangulation, method triangulation, and member checking.

Results: The results show that digital transformation has been implemented through the use of social media, marketplaces, digital payment systems (QRIS), and communication applications to support business activities. This implementation has generated positive impacts, including expanded market reach, improved transaction efficiency, easier communication with consumers, and increased transparency of halal product information. Factors driving digital transformation include changes in consumer behavior, the development of digital technology, and training support. Meanwhile, the main obstacles encountered are low digital literacy, limited human resources, and suboptimal utilization of technology in business management.

Conclusion: Digital transformation contributes to strengthening the halal industry ecosystem by expanding market access, improving business efficiency, and reinforcing consumer trust in halal products. Therefore, optimizing digital transformation is an important factor in enhancing the competitiveness of halal MSMEs and supporting the sustainable development of the halal industry.

Beyond the Asnaf Restriction: Tamlīk and Fiscal Justice as Constraints on Zakat Funding of Indonesia’s Free Nutritious Meals Program

2026-10-14T02:28:23+07:00

Background: The Free Nutritious Meals Program (Makan Bergizi Gratis/MBG), a priority Indonesian policy targeting 82.9 million beneficiaries, depends entirely on the state budget. In January 2025, the Chairperson of the Regional Representative Council proposed financing the program partly through zakat. Zakat authorities firmly rejected the proposal, citing the restriction of zakat to eight recipient categories (asnaf).

Research Gap: Existing studies affirming this rejection rest solely on the asnaf restriction and statutory text, leaving deeper questions of disbursement mechanism and fiscal designation unexamined. No study has assessed the proposal through the principles of tamlik (ownership transfer) and fiscal justice.

Novelty: This study introduces a two-axis analytical framework combining tamlik and fiscal justice to evaluate zakat financing proposals, systematically testing counterarguments grounded in maslahah, expansion of fi sabilillah, and darurah. It formulates a conditional rejection rather than an absolute prohibition.

Method: A qualitative normative-doctrinal approach with policy discourse analysis was employed. Primary legal materials (Surah al-Tawbah verse 60, Law No. 23/2011, Presidential Regulation No. 83/2024), policy discourse texts, and secondary literature were examined through usul al-fiqh framework.

Results: A rejection based solely on the asnaf restriction is methodologically fragile, collapsing if MBG is selectively targeted at the poor. More fundamentally, MBG's collective-consumption scheme fails to satisfy tamlik, and financing it through zakat constitutes a transfer of the state's obligation (isqat wajib al-dawlah) onto funds fixed by definitive text. Four counterarguments grounded in maslahah, expansion of fi sabilillah, hifz al-nafs, and darurah all fail under usuli scrutiny.

Conclusion: The study formulates a conditional rejection resting on four unfulfilled conditions of validity (entitlement, tamlik, fiscal separation, and designational conformity), shifting the debate from asnaf membership toward the validity of disbursement, and directing nutritional philanthropy toward infaq, sadaqah, and waqf.

Cultural Identity, Digital Branding, and Tourism Marketing: The Aengtong-Tong Keris Tradition In Sumenep, Indonesia

2026-10-14T02:28:21+07:00

Background: The rapid growth of Muslim-friendly tourism has created significant opportunities for destinations to integrate Islamic values, cultural heritage, and local wisdom into tourism development strategies. Sumenep Regency, known as the "City of Keris," possesses unique tourism assets through the Asta Tinggi Royal Cemetery and Aengtong-Tong Keris Tourism Village, which combine religious tourism, cultural heritage, local traditions, and spiritual experiences. Despite these strengths, the marketing of Muslim-friendly tourism in Sumenep remains fragmented and has not yet been supported by an integrated and sustainable tourism marketing framework. This study aims to explore existing Muslim-friendly tourism marketing practices and formulate a comprehensive marketing model based on phenomenological perspectives.

Method: A qualitative approach with phenomenological methodology was employed to understand the experiences, perceptions, and meanings constructed by stakeholders regarding Muslim-friendly tourism development. Data were collected through in-depth interviews, observations, and documentation involving tourism officials, destination managers, religious leaders, cultural figures, tourism entrepreneurs, academics, media representatives, and tourists. Data analysis was conducted through coding, thematic analysis, interpretation, and synthesis of meanings.

Results: The findings reveal that Muslim-friendly tourism marketing in Sumenep is predominantly value-based rather than system-based. The main strengths of the destination lie in its spiritual values, religious heritage, local wisdom, keris culture, and active community participation. Four major themes emerged from the analysis: Muslim-friendly tourism as an expression of religious and cultural values, destination attractiveness through spirituality and heritage experiences, the strategic role of local wisdom in destination branding, and stakeholder collaboration as a driver of sustainable tourism development. The study proposes a Muslim-friendly tourism marketing model that integrates Islamic values, cultural heritage, destination branding, local wisdom, and the Pentahelix collaboration framework. echnologies with authentic cultural experiences can foster responsible tourist behavior.

Conclusion: The findings suggest that sustainable Muslim-friendly tourism development requires not only halal-oriented services and facilities but also meaningful tourism experiences, cultural authenticity, and collaborative governance. The proposed model contributes theoretically to the development of Muslim-friendly tourism marketing literature and provides practical guidance for policymakers and tourism stakeholders in strengthening destination competitiveness and sustainability

The Interaction Between Personality and Risk Perception in Shaping Actual Investor Behavior in the Indonesian Capital Market

2026-10-14T02:28:18+07:00

The Indonesian capital market is undergoing a significant demographic transformation, marked by the dominance of young investors from Generation Z (born 1997–2012) and Millennials (born 1981–1996), who collectively represent more than 80% of all active investors as of 2024. This study examines, both conceptually and analytically, how the interaction between personality traits (Big Five Personality) and risk perception jointly shapes actual investment behavior among these two generations in the Indonesian capital market. Using a systematic literature review approach of SINTA-indexed sources from 2020 to 2025, this study found that: (1) the personality traits Extraversion and Openness to Experience are positively correlated with risk tolerance and transaction frequency; (2) Neuroticism is negatively correlated with the willingness to make investment decisions; (3) Gen Z exhibits more exploratory behavior and is more prone to FOMO (Fear of Missing Out), whereas Millennials tend to be more conservative and structured; and (4) financial literacy acts as an important moderator in the relationship between personality, risk perception, and actual behavior. These findings have theoretical and practical implications for the development of investor education and capital market policies in Indonesia.

Tourist Interests and Preferences for Snokeling Activities at Manta Point Nusa Penida

2026-10-14T02:27:45+07:00

Background: This study aims to determine tourist interest and preferences for snorkeling at Manta Point, Nusa Penida. Manta Point is a marine tourism destination, primarily attracting manta rays and the beauty of the underwater ecosystem. Snorkeling is a popular tourist activity because it can be enjoyed by a wide range of tourists and provides a firsthand experience of the underwater world.

Method: This study used a descriptive qualitative approach to gain a deeper understanding of tourist interests and preferences for snorkeling at Manta Point, Nusa Penida. Informants were selected using purposive sampling, with three participants: one manager and two tourists. Data collection involved observation, in-depth interviews, and documentation. Data validity was tested using data triangulation.

Results: The research results show that tourist interest in snorkeling is influenced by the desire for new experiences, the attraction of manta rays, the beauty of the underwater panorama, and the influence of social media. Tourist preferences are influenced by factors such as safety, comfort, supporting facilities, service quality, and marine environmental conditions.

Conclusion: This research shows that destination management that pays attention to service quality and environmental sustainability is needed to improve the tourist experience and maintain the tourist attraction of Manta Point

The Mediating Role of Tourist Digital Experience in the Relationship between E-Service Quality, Interaction Quality, and Behavioral Intentions: Evidence from Bongkasa Pertiwi Tourism Village

2026-10-14T02:27:44+07:00

Background: Tourism villages are increasingly shaped by digital service encounters and human interactions. However, limited empirical research has examined how E-Service Quality and Interaction Quality jointly influence Behavioral Intentions through Tourist Digital Experience in community-based tourism villages. This study investigates the mediating role of Tourist Digital Experience in Bongkasa Pertiwi Tourism Village.

Method: This study employed a quantitative approach with an explanatory and correlational design. Data were collected from 151 domestic and international tourists who had visited Bongkasa Pertiwi Tourism Village and accessed digital information or communication related to the destination. Respondents were selected using purposive sampling. Data were obtained through a closed questionnaire using a five-point Likert scale and analyzed using SEM-PLS with Smart PLS 4.

Results: Interaction Quality significantly influenced Tourist Digital Experience (β = 0.316; p < 0.001), and Tourist Digital Experience significantly influenced Behavioral Intentions (β = 0.363; p < 0.001). E-Service Quality and Interaction Quality also had significant direct effects on Behavioral Intentions. However, E-Service Quality did not significantly influence Tourist Digital Experience. The mediation analysis showed that Tourist Digital Experience partially mediated the relationship between Interaction Quality and Behavioral Intentions, but did not mediate the relationship between E-Service Quality and Behavioral Intentions.

Conclusion: The findings indicate that human interaction plays a stronger role than digital service quality in shaping tourists’ digital experiences in community-based tourism villages. Reliable digital services remain important for strengthening behavioral intentions, but meaningful interaction with destination actors is essential for enhancing tourist experience, revisit intention, recommendation intention, and positive word-of-mouth. This study contributes to digital tourism village research by positioning Tourist Digital Experience as a mediating mechanism between service quality and tourist behavioral responses.

Prospects for Sharia Business Development in Achieving Economic Independence in Islamic Boarding Schools

2026-10-14T02:28:16+07:00

The economic potential of Islamic boarding schools is not only local potential but also national potential. The independence of Islamic boarding schools is something that must be considered by all Islamic boarding school residents because, in the reform era, Islamic boarding schools are required to be more creative and independent in their management. Islamic boarding schools in Bangka Belitung are expected to be one of the pioneers of the economic revival of the community, especially in Bangka Belitung. Madinatul Ilmi Islamic boarding school is one of the Islamic boarding schools in Bangka Belitung that is able to develop economic potential through sharia business. This type of research is quantitative, the research sample is specifically for residents of Madinatul Ilmi Islamic boarding school in West Bangka district, Bangka Belitung province, the number of samples in this study is 40 people consisting of students, and Islamic boarding school managers, the method of data collection in the study using questionnaires, data analysis is done with descriptive statistics. The results of the study showed that there were 85% of the students of Madinatul Ilmi Islamic boarding school who agreed that sharia business could build the independence of Islamic boarding schools, and respondents who strongly agreed were 7.5%. In addition, the interest of residents of the Madinatul Ilmi Islamic boarding school in West Bangka in developing sharia business was 75% and respondents who stated that they were very interested were 7.5%, while the rest stated that they were not interested, only 5%.

Unpacking Employee Performance in the New Way of Working Era: The Roles of Work Ethics, Work Motivation, and Job Satisfaction in Indonesia's Banking Sector

2026-10-15T10:32:48+07:00

Background: Organizational transformation through the New Way of Working (NWOW) has reshaped employees’ work patterns, responsibilities, and performance expectations, particularly in the banking industry. While NWOW enhances organizational agility and flexibility, it also creates challenges related to employees’ adaptation to changing work demands. Therefore, understanding the behavioral and psychological factors that influence employee performance is essential. This study examines the effects of work ethics and work motivation on employee performance, with job satisfaction acting as a mediating variable.

Method: This study employed a quantitative approach with an explanatory and correlational research design. The study was conducted at a regional office of an Indonesian state-owned banking company that has implemented NWOW. A census sampling technique was applied, involving 165 employees working in service and sales functions who met the inclusion criteria. Primary data were collected through a structured questionnaire using a five-point Likert scale. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0 software.

Results: The findings reveal that work ethics and work motivation have significant positive effects on both job satisfaction and employee performance. Job satisfaction also significantly influences employee performance and partially mediates the relationships between work ethics and employee performance as well as between work motivation and employee performance.

Conclusion: Employee performance in the NWOW context is influenced not only by organizational transformation but also by behavioral and psychological factors. Strengthening work ethics, maintaining employee motivation, and fostering job satisfaction are essential strategies for sustaining employee performance and supporting successful organizational transformation

Perception MSME Actors Towards Indication Geographical as Drivers of Financial Strategy and Business Sustainability

2026-10-14T02:27:42+07:00

Background: Geographical Indications (GI) serve not only as product identity markers but also as economic instruments that can support business strategy development and sustainability. However, studies examining the influence of MSME actors’ perceptions of Geographical Indications on financial strategies and business sustainability remain limited.

Method: This study aimed to analyze the influence of Micro, Small, and Medium Enterprises (MSMEs) actors’ perceptions of Geographical Indications (GI) on financial strategy and business sustainability. The research focused on cinnamon commodity MSMEs in Loksado District, Hulu Sungai Selatan Regency. A quantitative approach was employed using a survey method, with data collected through paper-based questionnaires distributed to 150 respondents. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS).

Results: The findings indicate that MSME actors’ perceptions of Geographical Indications have a positive and significant effect on financial strategy. Furthermore, perceptions of GI positively and significantly influence business sustainability. Financial strategy also has a significant effect on business sustainability and serves as a mediating variable in the relationship between GI perception and business sustainability. These findings demonstrate that Geographical Indications function not only as product identity markers but also as economic signaling mechanisms that can be utilized in developing effective business strategies.

Conclusion: This study concludes that positive perceptions of Geographical Indications contribute to stronger financial strategies and improved business sustainability among MSMEs. Financial strategy plays a crucial role in translating the benefits of Geographical Indications into sustainable business outcomes. The study contributes to the literature by integrating Signaling Theory and Value-Based Management to explain how identity-based products can generate economic value while supporting the sustainability of MSMEs.

Green Islamic Philanthropy and Socio-Ecological Sustainability: Integrating Fiqh al-Bi'ah and Fiqh al-Iqtishad in Zakat Management

2026-10-14T02:27:41+07:00

Pekalongan Regency has recently experienced an increase in ecological crises, marked by floods, landslides, and extreme weather, including a major disaster in Petungkriyono in 2025 and various floods in other regions. This condition indicates an increase in environmental vulnerability, affecting the community's socio-economic life and reflecting the disruption of the harmonious relationship between humans and nature. In the Islamic perspective, the crisis is not only understood as a natural phenomenon, but also as an indication of the weakening of ecological consciousness and human responsibility as caliphs. This situation demands transforming zakat governance through a green Islamic philanthropy approach that integrates economic and ecological dimensions simultaneously through the synergy of fiqh al-iqtishad and fiqh al-bi'ah.

This study uses a qualitative case study design to examine NU Care-LAZISNU in Pekalongan Regency. Data were collected through in-depth interviews, observations, and documentation, then analyzed using an interactive model that included data reduction, data presentation, and conclusions.

The results of the study show that the management of Zakat, Infaq, and Alms (ZIS-DSKL) is based on a participatory collection system and tiered distribution, which strengthens social trust and the effectiveness of fund distribution. The program's implementation includes empowering the mustahik economy, providing clean water, developing sanitation, reforestation, and strengthening an environment-based productive economy. Fiqh al-iqtishad plays a role in promoting distributive justice and economic empowerment, while fiqh al-bi'ah serves as the basis for ethical principles in maintaining environmental sustainability. The integration of the two forms a green Islamic philanthropy model that is not only oriented towards poverty alleviation but also towards improving environmental quality. Furthermore, this governance contributes to socio-ecological sustainability by fostering a reciprocal relationship between social welfare and environmental quality. This study concludes that green Islamic philanthropy represents a transformation of zakat governance that integrates fiqh al-iqtishad and fiqh al-bi'ah in a complementary manner, so that zakat functions not only as an instrument of economic redistribution but also as a sustainable development mechanism that connects social justice and environmental sustainability.

The Role Of Trust In Mediating Price And Service Quality On Consumer Decisions To Use Gojek Online Transportation Services In Denpasar City

2026-10-14T02:27:38+07:00

Background: The development of digital technology has driven changes in consumer behavior in using online transportation services. This study aims to analyze the influence of price and service quality on consumer decisions, with trust as a mediating variable, among Gojek users in Denpasar City.

Method: The research method used was a quantitative approach with a survey technique on 200 respondents selected using purposive sampling. Data were analyzed using Structural Equation Modeling based on Partial Least Squares with the stages of outer model, inner model, and bootstrapping.

Results: The results of the study indicate that price and service quality have a positive and significant influence on consumer trust and decisions. Trust has also been shown to significantly influence consumer decisions and mediate the relationship between price and service quality on decisions. The discussion shows that trust is a key factor in strengthening the relationship between marketing variables and consumer decisions.

Conclusion: This study confirms that increasing trust through appropriate pricing strategies and service quality can increase the decision to use online transportation services

Burnout Impact on Employee Well-Being: The Moderating Role of Work Environment

2026-10-15T10:31:12+07:00

Background: Employee well-being is essential for sustaining employee performance and organizational effectiveness, particularly in the banking industry, where intensive workloads, demanding targets, and competitive pressures may contribute to burnout. This study examines the effect of burnout on employee well-being and investigates the moderating role of the work environment among BMRI employees.

Method: This study employed a quantitative explanatory design involving 400 BMRI employees. Data were collected through structured questionnaires and analyzed using SPSS and the PROCESS Model by Andrew F. Hayes, complemented by Simple Slope Analysis to examine the moderation effect.

Results: Burnout had no significant direct effect on employee well-being (p = 0.1027), whereas the work environment had a significant positive effect. The interaction between burnout and the work environment was significant and negative (β = −0.0852; p = 0.0397). Simple slope analysis further revealed that the negative effect of burnout on employee well-being became stronger at higher levels of the work environment.

Conclusion: A positive work environment alone does not necessarily buffer the adverse effects of burnout. Therefore, organizations should complement supportive workplace conditions with realistic workloads, effective stress management, and adequate recovery opportunities to sustainably enhance employee well-being

The Integration of Maqashid Sharia and Sustainable Development Goals (SDGs) in the Development of Sustainable Islamic Economics

2026-10-14T23:06:13+07:00

Background: The growing emphasis on sustainable development highlights the importance of integrating Islamic economic principles with the Sustainable Development Goals (SDGs). Maqashid al-Shariah provides an ethical foundation for promoting social justice, economic inclusion, and environmental sustainability.

Research Gap: Previous studies have primarily examined the conceptual compatibility between Maqashid al-Shariah and SDGs, while comprehensive operational frameworks connecting Islamic economic instruments with measurable sustainability indicators remain underdeveloped.

Novelty: This study proposes an Integrated Maqashid–SDG Framework that systematically connects Islamic ethical objectives, economic instruments, and sustainability outcomes, emphasizing context-sensitive implementation and institutional accountability.

Methods: This study employed a qualitative approach through a systematic literature review and conceptual framework analysis. Academic publications from 2021–2026, institutional reports, and relevant policy documents were examined using thematic content analysis to identify conceptual relationships, implementation challenges, and integration mechanisms.

Results: The findings demonstrate substantial alignment between Maqashid al-Shariah dimensions and multiple SDGs, particularly poverty reduction, education, economic inclusion, and environmental protection. Islamic economic instruments, including zakat, waqf, Islamic banking, microfinance, and green sukuk, offer potential mechanisms for achieving sustainability objectives. However, institutional fragmentation, inadequate measurement standards, and limited policy coordination hinder effective implementation. The proposed framework integrates normative principles, operational instruments, and measurable development outcomes while emphasizing governance and stakeholder collaboration.

Conclusion: Integrating Maqashid al-Shariah with SDGs offers a comprehensive foundation for sustainable Islamic economic development. The proposed framework provides practical guidance for policymakers and Islamic financial institutions to strengthen ethical governance, improve sustainability assessment, and promote inclusive, equitable, and environmentally responsible development.

Reformulating the Management of Initial Hajj Deposit Funds in Indonesia: From the Wadiah Scheme to Islamic Capital Market Investments

2026-10-14T23:04:10+07:00

Background: The management of initial Hajj deposit funds in Indonesia presents significant challenges due to prolonged waiting periods and the productive utilization of funds under the wadiah safekeeping scheme. These practices raise concerns regarding contractual suitability, financial accountability, and distributive justice.

Research Gap: Existing Hajj fund management arrangements have not adequately addressed the incompatibility between long-term productive investments and safekeeping contracts, particularly regarding the equitable distribution of investment benefits to prospective pilgrims who cancel their pilgrimage.

Novelty: This study proposes a normative reformulation of initial Hajj deposit management by integrating Islamic capital market investments, distributive justice, and maqashid al-shariah principles into a more equitable contractual framework.

Method: This research employs a normative juridical approach supported by conceptual and Islamic economic analyses. Primary legal materials include Law Number 34 of 2014, relevant regulations, and DSN-MUI fatwas, complemented by scholarly literature concerning wadiah contracts and Islamic investment instruments.

Results: The findings reveal that applying wadiah contracts to long-term productive funds creates contractual inconsistencies and distributive justice concerns. Islamic capital market instruments, particularly State Sharia Securities (SBSN), corporate sukuk, and fixed-income Islamic mutual funds, offer potentially more appropriate alternatives through transparent returns, prudent investment management, and proportional benefit distribution.

Conclusion: Reformulating Hajj deposit management through Sharia-compliant investment mechanisms could strengthen legal certainty, protect prospective pilgrims' economic rights, promote distributive justice, and support sustainable Hajj financing while advancing the objectives of maqashid al-shariah.

From Sea to Land: Socioeconomic Adaptation and Transformation of Fishing Communities Following Seawall Development in Coastal Cilincing, North Jakarta

2026-10-15T00:44:29+07:00

Background: Coastal infrastructure development has substantially reshaped the socioeconomic conditions of fishing communities in rapidly urbanizing coastal areas. In Cilincing, North Jakarta, seawall construction has altered coastal ecosystems, restricted access to fishing grounds, and increased economic pressure, compelling fishing households to adopt new livelihood strategies.

Methods: This study investigates how seawall ecological impact, economic pressure, fishers ' adaptation strategies, and government support interact to influence fishers ' livelihood resilience within the “From Sea to Land” transition framework. A quantitative cross-sectional methodology was utilized, drawing on data gathered from small-scale fishers in Cilincing and examined through PLS-SEM with SmartPLS 4.

Results: The findings show that Seawall Ecological Impact and Economic Pressure significantly and positively influence fishers ' adaptation strategies, while economic pressure also exerts a significant positive effect on fishers ' livelihood resilience. However, Seawall Ecological Impact does not directly affect livelihood resilience, and fishers ' adaptation strategies neither directly enhance livelihood resilience nor mediate the relationships between seawall ecological impact, economic pressure, and livelihood resilience. Furthermore, Government Support significantly strengthens the relationship between adaptation strategies and livelihood resilience, highlighting its role as an important moderating factor.

Conclusion: This study contributes to the literature on coastal adaptation by demonstrating that fisher resilience cannot be enhanced via livelihood adaptation alone but requires the backing of effective government interventions. To build resilience among fishing populations facing coastal shifts driven by infrastructure development, this study highlights the critical need for robust institutional backing, flexible governance models, and focused economic supports. This study provides empirical evidence to support more inclusive coastal governance and sustainable livelihood policies in rapidly urbanizing coastal regions.