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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Ulul Albab JURNAL Al-AZHAR INDONESIA SERI SAINS DAN TEKNOLOGI EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) IIJSE Journal of Community Empowerment Journal of Islamic Economics and Finance Advance Sustainable Science, Engineering and Technology (ASSET) Journal of Sharia Economy and Islamic Tourism Jurnal Kegiatan Pengabdian Mahasiswa (JKPM)
Hidayanti, Nur Fitri
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Religion Humanities Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Etika Bisnis Islam Pedagang Sapi dan Dampaknya Terhadap Kesejahteraan Pedagang di Kecamatan Masbagik Kabupaten Lombok Timur Hulaimi, Ahmad
EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Vol 3 No 2 (2016): Jurnal Ekonomi syari'ah & bisnis islam
Publisher : LIPI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the applied Islamic business ethics and its impact on the welfare of cattle traders in Masbagik sub-district, East Lombok regency. The research method used is descriptive qualitative research method with field research type (field research). The results of this study found that the study of Islamic business ethics applied by cattle traders in Masbagik Subdistrict has not fully applied the principles of Islamic business ethics, While from the study of the impact of Islamic business ethics on welfare, not all cattle traders in Masbagik sub-district, East Lombok regency Get Islamic prosperity because it has not fulfilled the needs of dharuriyat (prayer and haj). Much more has gotten a good life. Because it can meet the needs of dharuriyat. They have said to be happy, for being grateful for the well-being they received.
PENDAMPINGAN UMKM DALAM MENGELOLA POTENSI MASYARAKAT MELALUI LAPAK MENUJU EKONOMI DIGITAL DI DESA SAJANG KEC. SEMBALUN Hidayanti, Nur Fitri; Hulaimi, Ahmad
Journal of Community Empowerment Vol 3, No 2 (2024): Desember
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v3i2.28173

Abstract

ABSTRAK                                                                            Dalam rangka memajukan potensi UMKM di Indonesia, banyak pihak yang berperan aktif dalam memberikan pendampingan kepada pelaku usaha mikro, kecil,dan menengah(UMKM). Desa Sajang, kecamatan Sembalun merupakan salah satu daerah di Indonesia yang memiliki potensi UMKM yang cukup besar. Namun, banyak dari pelaku UMKM di daerah tersebut masih mengalami kendala dalam pengelolaan dan pemasaran produk. Selain itu, mayoritas pelaku UMKM di desa Bawak nao adalah ibu-ibu rumah tangga yang belum memiliki kemampuan dan akses yang cukup untuk mengembangkan bisnis mereka. Adapun tujuan dari pendampingan ini antara lain: 1)Memberikan gambaran mengenai proses pendampingan yang dilakukan kepada pelaku UMKM. 2)Menjelaskan strategi yang digunakan dalam kegiatan pendampingan untuk meningkatkan kemampuan pengelolaan dan pemasaran produk UMKM. 3) Menjelaskan hasil yang telah dicapai dari kegiatan pendampingan tersebut, seperti peningkatan kualitas produk, peningkatan penjualan, dan peningkatan kesejahteraan ekonomi masyarakat setempat. 4) Memberikan rekomendasi dan saran untuk kegiatan pendampingan UMKM di masa yang akan datang, sehingga dapat memberikan manfaat yang lebih besar bagi masyarakat setempat. Metode Yang digunakan dalam kegitan ini adalah Penyuluhan dan Praktik, dimana mitra dalam kegitan ini adalah Karang Taruna di Desa Sajang kec. Sembalun, kegiatan ini diikuti sekitar 23 ibu-ibu rumah tangga dan beberapa diantaranya adlah pelaku UMKM. Hasil yang telah dicapai dalam kegiatan ini adalah ibu-ibu rumah tangga dan pelaku UMKM di desa sajang, kec. Sembalun mampu mengelola potensi yang mereka miliki melalui lapak dan menuju pemasaran produk secara digital sehingga mampu memaksimalkan laba demi tercapainya kesejahteraan masyarakat. Kata kunci: UMKM; Potensi; Lapak; Ekonomi Digital. ABSTRACTIn order to advance the potential of MSMEs in Indonesia, many parties play an active role in providing assistance to micro, small, and medium enterprises (MSMEs). Sajang Village, Sembalun District is one of the areas in Indonesia that has quite large MSME potential. However, many MSMEs in the area still experience obstacles in product management and marketing. In addition, the majority of MSMEs in Bawak Nao Village are housewives who do not yet have sufficient skills and access to develop their businesses. The objectives of this mentoring include: 1) Providing an overview of the mentoring process carried out for MSME actors. 2) Explaining the strategies used in mentoring activities to improve the management and marketing capabilities of MSME products. 3) Explaining the results that have been achieved from the mentoring activities, such as improving product quality, increasing sales, and improving the economic welfare of the local community. 4) Providing recommendations and suggestions for MSME mentoring activities in the future, so that they can provide greater benefits to the local community. The method used in this activity is Counseling and Practice, where the partner in this activity is Karang Taruna in Sajang Village, Sembalun District, this activity was attended by around 23 housewives and some of them are UMKM actors. The results that have been achieved in this activity are that housewives and UMKM actors in Sajang Village, Sembalun District are able to manage their potential through stalls and towards digital product marketing so as to maximize profits in order to achieve community welfare. Keywords: UMKM; Potential; Stall; Digital Economy.
PELATIHAN SUMBER DAYA DALAM MENCIPTAKAN EKONOMI BERKELANJUTAN UNTUK MEMAJUKKAN USAHA KULINER HALAL PADA KAWASAN WISATA SUNSET LAND KEC.SEKARBELA Aini, Nur; Ariani, Zaenafi; Hidayanti, Nur Fitri; Triyunarni, Baiq Reinalda; Abdurrahman, Abdurrahman; Indrawati, Mos
Journal of Community Empowerment Vol 3, No 2 (2024): Desember
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v3i2.28229

Abstract

ABSTRAKKawasan wisata yang terletak di daerah kota Mataram kecamatan sekarbela loang baloq, tepatnya di jalan Lingkar selatan yang berada di pinggir pantai yang di sebut Sunset Land.adalah tempat nongkrong yang asyik dengan berbagai sajian pilihan menu-menu dari berbagai nusantara dan daerah sendiri yang sudah pasti higienis dan halal.Tujuan kegiatan pengabdian kepada masyrakat ini adalah pertama untuk menciptakan ekonomi yang lebih berkelanjutan   dan lebih baik dalam memajukkan usaha kuliner halal di kawasan wisata sunset land kec. Sekarbela kota mataram, agar mitra lebih sadar akan arti kebersihan serta memiliki sertifikat halal dalam pelayanan kuliner pada pengunjung., sehingga pengunjung yang datang merasa tidak ragu untuk menikmati kuliner yang tersedia.metode yang digunakan pada pengabdian ini antara lain Gotong Royong, yang dilakukan bersih bersih sekitar kawasan wisata pesisir pantai, pelatihan diantaranya memberikan ilmu dan edukasi kepada mitra bagaiman sebuah usaha kuliner bisa sukses dengan di terapkan sertifikat halal bagi pelaku usaha kuliner,diskusi dan tanyak jawab terkait kemajuan usaha di sunset land.kegiantan ini dilakukan selama 4 pekan atau 1 bulan hasil dari pengabdian setelah kami tinjau kelapangan para rumah produksi kuliner di kawasan sunset land telah memiliki sertifikat halal, kebersihan pesisir pantai lebih tersanitasi dari sampah limbah air laut maupun sampah organi dan non organic dari olahan makanan. Serta taman dan bunga serta pemohonan mulai tertata dengan lebih bagus.harapan tim pengabdian semoga tempat kawasan wisata yang ada di kota mataram ini akan lebih dilirik para investor agar kota Mataram bisa memberikan peluang kerja lebih luas kepada anak daerah. Kata kunci: Ekonomi; Berkelanjutan; usaha ;kuliner; Halal. ABSTRACTThis tourist area is located in the Mataram city area, Sekarbela Loang Baloq sub-district, precisely on the South Ring Road which is on the edge of the beach which is called Sunset Land. hygienic and halal. The aim of this community service activity is firstly to create a more sustainable and better economy in promoting halal culinary businesses in the Sunset Land tourist area, Kec. Sekarbela city of Mataram, secondly so that partners are more aware of the meaning of cleanliness and have a halal certificate in culinary services to visitors, so that visitors who come feel no hesitation in enjoying the culinary delights available. The methods used in this service include Mutual Cooperation, which is carried out cleanly. clean around coastal tourist areas, training including providing knowledge and education to partners on how a culinary business can be successful by applying a halal certificate for culinary business actors, discussions and questions and answers regarding business progress in Sunset Land. This activity is carried out for 4 weeks or 1 months of dedication after we inspected the facilities of the culinary production houses in the Sunset Land area which had halal certificates, the cleanliness of the coastline was more sanitized from sea water waste and organic and non-organic waste from processed food. As well as gardens and flowers and applications starting to be arranged better. The hope of the service team is that the tourist areas in the city of Mataram will attract more attention from investors so that the city of Mataram can provide wider employment opportunities for local people. Keywords: Sustainable ;Economy; of Halal; culinary; business.
Vehicle Trade of Defaulted Finance Lease Companies in Mataram City Sharia Economic Perspective Hidayanti, Nur Fitri; Hulaimi, Ahmad; Ariani, Zaenafi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5693

Abstract

In Indonesia, auctions were officially entered in 1908 with the Auction Law, Vendu Reglement, in Staatblad 1908 Number 189. Public sales or auctions are any sale of goods in public by oral and/or written bidding efforts to gather interested parties/auction participants. Vehicle auctions for defaulted owners who can no longer make payments will proceed with auctioning the vehicle. Auction sales in fiqh muamalah are called Bai' imuzayyadah or more commonly known as auction sales, which is a form of offering merchandise in a crowd where buyers bid with higher prices until the highest price is reached, and a contract is made, and the buyer takes the goods from the seller. The purpose of this study is to thoroughly explore the auction sale process of defaulted vehicles by finance companies in Mataram City. The method used in this research is qualitative, with key informants being debt collectors, both freelance and permanent employees from PT. Adira Dinamika Multi Finance Syariah Tbk Mataram branch. The study results show that the entire auction sale process has complied with the applicable regulations and follows Islamic Sharia.
PELATIHAN DAN PENDAMPINGAN MANAJEMAN USAHA MELALUI PENGEMBANGAN USAHA IKAN ASAP YANG BERKELANJUTAN DI DESA MAPAK INDAH Hidayanti, Nur Fitri; Ariani, Zaenafi; Lamusiah, Siti; Hayati, Mardiah; Rahmawati, Endang; Ilham, Ilham; Hudri, Muhammad
Journal of Community Empowerment Vol 4, No 1 (2025): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v4i1.31824

Abstract

ABSTRAKSektor perikanan memegang peranan krusial dalam menopang perekonomian masyarakat pesisir di Indonesia, termasuk di Desa Mapak Indah, dengan potensi sumber daya alam yang melimpah, khususnya ikan, membuka peluang besar bagi pengembangan usaha pengolahan seperti ikan asap. Namun, potensi ini seringkali belum tergarap optimal karena keterbatasan pengetahuan dan keterampilan dalam manajemen usaha, terutama terkait keberlanjutan. Program pengabdian masyarakat ini bertujuan untuk memberikan pelatihan dan pendampingan manajemen usaha melalui pengembangan usaha ikan asap yang berkelanjutan di Desa Mapak Indah. Metodologi program ini melibatkan 18 peserta ibu-ibu pelaku UMKM ikan asap dan dilaksanakan pada tanggal 17 Mei 2025 di Desa Mapak Indah, Mataram, Nusa Tenggara Barat. Metode pelaksanaan mencakup identifikasi permasalahan dan kebutuhan mitra, pelatihan manajemen usaha dan keuangan, penerapan teknologi pengasapan yang ramah lingkungan, pelatihan pemasaran dan branding produk, serta pendampingan dan monitoring berkala. Tahapan kegiatan dilakukan oleh Tim dari pelatihan proses pengolahan ikan asap yang baik dan tepat, dan dilanjudkan dengan pendampingan manajeman usaha yang sesuai dengan kondisi masyarakat. Hasil program menunjukkan peningkatan pengetahuan dan keterampilan peserta, dengan rata-rata skor pengetahuan meningkat dari 65 menjadi 80. Selain itu, rata-rata penjualan UMKM meningkat sebesar 30% dalam tiga bulan setelah pelatihan. Sebanyak 80% ibu-ibu pelaku UMKM berhasil membuka lapak fisik, dan rata-rata pendapatan bulanan mereka meningkat dari Rp 400.000 menjadi Rp 700.000 dalam satu minggu setelah pendampingan.Kata kunci: Manajemen Usaha; Ikan Asap; Berkelanjutan. ABSTRACTThe fisheries sector plays a crucial role in supporting the economy of coastal communities in Indonesia, including in Mapak Indah Village. Its abundant natural resources, especially fish, open up significant opportunities for developing processing businesses like smoked fish. However, this potential often remains underutilized due to limited knowledge and skills in business management, particularly regarding sustainability. This community service program aims to provide business management training and mentoring through the development of sustainable smoked fish businesses in Mapak Indah Village. The program's methodology involved 18 women participants who are micro, small, and medium-sized enterprise (MSME) owners in the smoked fish sector. It was carried out on May 17, 2025, in Mapak Indah Village, Mataram, West Nusa Tenggara. The implementation methods included identifying partners' problems and needs, business and financial management training, implementing eco-friendly smoking technology, product marketing and branding training, and regular mentoring and monitoring. The stages of the activity are carried out by the Team from training on the proper and correct process of processing smoked fish, and continued with assistance in business management that is in accordance with community conditions. The program's results showed an increase in participants' knowledge and skills, with the average knowledge score rising from 65 to 80. Additionally, the average MSME sales increased by 30% within three months after the training. A significant 80% of the women MSME owners successfully opened physical stalls, and their average monthly income increased from Rp 400,000 to Rp 700,000 within one week of receiving mentoring.Keywords: Business Management; Smoked Fish; Sustainable. 
Product Price Optimization in Microeconomics: Exploring the Role of Artificial Intelligence Algorithms – A Literature Review Hidayanti, Nur Fitri; Syaharuddin, Syaharuddin; Ariani, Zaenafi
JURNAL Al-AZHAR INDONESIA SERI SAINS DAN TEKNOLOGI Vol 10, No 2 (2025): Mei 2025
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/sst.v10i2.3770

Abstract

In today’s data-driven economy, pricing strategies have become increasingly critical amid rapidly evolving market conditions. The integration of artificial intelligence (AI) offers new opportunities to optimize pricing decisions and strengthen competitive advantage. This study investigates the use of AI algorithms in optimizing product pricing within microeconomic contexts. Using a qualitative method and systematic literature review, it draws on publications from the past decade indexed in Scopus, DOAJ, and Google Scholar. The findings highlight that AI-based price optimization is shaped by several key factors: data availability, algorithm complexity, and the alignment of AI systems with existing business models. However, major challenges such as data bias, limited computational resources, and insufficient organizational readiness often hinder successful implementation. Despite these barriers, AI shows great promise in enhancing pricing accuracy, efficiency, and adaptability to market fluctuations. This research offers a comprehensive overview of the limitations and potential of AI in price optimization, emphasizing the importance of addressing technical and organizational challenges. It contributes to a deeper understanding of how AI can transform traditional pricing strategies and encourages further empirical research to explore its real-world applications within dynamic microeconomic settings.Keywords - Artificial Intelligence, Microeconomics, Pricing Algorithms, Price Optimization.
PERAN KEUANGAN SOSIAL ISLAM DALAM MEWUJUDKAN TUJUAN PEMBANGUNAN BERKELANJUTAN (SDGS): TINJAUAN LITERATUR KOMPREHENSIF Kartina, Kartina; Mega, Baiq Indah; Wibisono, M. Putra; Hidayanti, Nur Fitri
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2025): Mei
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/joieaf.v1i4.2313

Abstract

Keuangan Sosial Islam (Islamic Social Finance/ISF) merupakan instrumen strategis dalam mendukung pencapaian Tujuan Pembangunan Berkelanjutan (SDGs) melalui mekanisme distribusi kekayaan yang adil dan pemberdayaan masyarakat berbasis prinsip maqāṣid al-sharīʿah. Studi ini bertujuan untuk menganalisis peran ISF dalam merealisasikan SDGs melalui pendekatan integrative review terhadap literatur relevan periode 2015–2024 yang diperoleh dari database Google Scholar, DOAJ, Scopus, dan SciSpace. Hasil kajian menunjukkan bahwa ISF, khususnya melalui zakat, wakaf, sadaqah, dan qard al-hasan, berkontribusi nyata terhadap 11 dari 17 tujuan SDGs, terutama pada aspek pengentasan kemiskinan, pendidikan, kesehatan, dan inklusi keuangan. Namun demikian, efektivitas ISF masih terhambat oleh disparitas regulasi, minimnya inovasi teknologi, serta kurangnya integrasi kelembagaan. Kajian ini menyoroti pentingnya digitalisasi dan sinergi multi-stakeholder sebagai strategi akseleratif. Temuan juga mengungkapkan kebutuhan mendesak akan penelitian lanjut pada instrumen non-mainstream serta penguatan tata kelola untuk meningkatkan kontribusi sistemik ISF. Studi ini merekomendasikan perumusan kebijakan kolaboratif dan inovatif untuk memaksimalkan peran ISF dalam pembangunan global yang berkeadilan dan berkelanjutan.
Peran Literasi Keuangan Islam dalam Adopsi Layanan Keuangan Digital: Analisis Bibliometrik dan Tinjauan Literatur Indri, Indri; Agustina, Ahadiah; Hidayanti, Nur Fitri; Ariani, Zaenafi; Hulaimi, Ahmad; Dewi, Novi Yanti Sandra
Journal of Sharia Economy and Islamic Tourism Vol 5, No 2 (2025): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v5i2.30783

Abstract

Abstract: This study aims to examine the role of Islamic financial literacy in encouraging the adoption of digital financial services through a library research approach with an integrative review method. This review synthesizes findings from various scholarly articles published between 2015 and 2024 and obtained from trusted databases such as Google Scholar, Scopus, DOAJ, and Scispace. Strict inclusion and exclusion criteria were applied to ensure the relevance and quality of the sources. The analysis shows that Islamic financial literacy plays an important role in shaping trust and encouraging the use of sharia-based digital financial services. The understanding of sharia principles such as the prohibition of usury, fairness and transparency is a crucial factor in the adoption process. However, the study also found literacy gaps and limited access to education in some regions. This study highlights the importance of strengthening Islamic financial literacy as a foundation for the development of an inclusive and sustainable Islamic digital finance ecosystem. The findings provide practical implications for regulators, service providers and stakeholders in designing educational strategies and policies based on Islamic values.Abstrak: Penelitian ini bertujuan untuk mengkaji peran literasi keuangan Islam dalam mendorong adopsi layanan keuangan digital melalui pendekatan library research dengan metode integrative review. Kajian ini menyintesis temuan dari berbagai artikel ilmiah yang dipublikasikan antara tahun 2015 hingga 2024 dan diperoleh dari basis data terpercaya seperti Google Scholar, Scopus, DOAJ, dan Scispace. Kriteria inklusi dan eksklusi diterapkan secara ketat untuk memastikan relevansi dan kualitas sumber. Hasil analisis menunjukkan bahwa literasi keuangan Islam berperan penting dalam membentuk kepercayaan serta mendorong penggunaan layanan keuangan digital berbasis syariah. Pemahaman terhadap prinsip syariah seperti larangan riba, keadilan, dan transparansi menjadi faktor krusial dalam proses adopsi tersebut. Namun, kajian juga menemukan adanya kesenjangan literasi dan keterbatasan akses edukasi di sejumlah wilayah. Studi ini menyoroti pentingnya penguatan literasi keuangan Islam sebagai fondasi bagi pengembangan ekosistem keuangan digital syariah yang inklusif dan berkelanjutan. Temuan ini memberikan implikasi praktis bagi regulator, penyedia layanan, dan pemangku kepentingan dalam merancang strategi edukatif dan kebijakan berbasis nilai-nilai syariah.
Development of Beautiful Sunset Land (CSL) Beach to Realize a Sustainable Economy of It-Based Halal Culinary Tourism Enterprises Nur'aini, Nur'aini; Hulaimi, Ahmad; Ariani, Zaenafi; Hidayanti, Nur fitri; Reinelda Tri Yunarni, Baiq; Ati, Suci Canda; Edrian, Veni; Ramadhan, Syahrul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5359

Abstract

This study investigates the development of Pantai Cantik Sunset Land (CSL) as a halal culinary destination in Sekarbela District, Mataram City, focusing on the role of information technology (IT). Using SWOT analysis, surveys, and interviews, the research identifies significant potential for the halal culinary industry at CSL Beach. However, challenges include inadequate IT utilization in marketing, insufficient awareness of halal certification, and poor waste management. The findings suggest that enhanced IT use in social media, increased halal certification awareness, and improved waste management can boost the competitiveness and sustainability of halal culinary businesses at CSL Beach.
Gaya Hidup Digital, Literasi Keuangan, dan Persepsi Risiko: Faktor Penentu dalam Penggunaan Qris Sebagai Transaksi Digital Hidayanti, Nur Fitri; Ariani, Zaenafi
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7260

Abstract

Digital transformation in the payment system has encouraged the adoption of Quick Response Code Indonesian Standard (QRIS) based transaction methods. This study aims to identify and analyze the main factors that influence the use of QRIS as a digital payment method with a Systematic Literature Review (SLR) approach. Literature sources were obtained from Scopus, DOAJ, and Google Scholar indexed databases with publication coverage in the last 10 years. The results show that digital lifestyle is the main driving factor in QRIS adoption, especially among Generation Z who have a high level of technological skills and a tendency to use non-cash payments. In addition, financial literacy plays an important role in increasing users' confidence in utilizing QRIS, where individuals with better financial understanding tend to be more open to digital payment systems. However, risk perception remains an obstacle to QRIS adoption, specifically related to data security and potential cybercrime. The study also found that the COVID-19 pandemic has accelerated the transition to digital transactions, making QRIS a safer and more efficient payment alternative. Nonetheless, challenges in improving financial literacy, especially among MSMEs and older age groups, as well as the need for clearer regulations in ensuring system security, are still aspects that need attention. Therefore, further research is needed to explore strategies to increase QRIS adoption through educational approaches, regulatory policies, and strengthening digital infrastructure to expand financial inclusion in Indonesia.
Co-Authors Abdurahman Abdurrahman Ahadiah Agustina Ahmad Hulaimi AHMAD HULAIMI, AHMAD Akbar, M. Taufik Ariani, Zaenafi Ati, Suci Canda Baiq Reinelda Tri Yunarni Dewi, Novi Yanti Sandra Edrian, Veni Endang Rahmawati, Endang Hudri, Muhammad Ilham Ilham Indri Indri Iswanto, Dedy Kartina Kartina Mappanyompa, Mappanyompa Mardiah Hayati, Mardiah Mega, Baiq Indah Mos Indrawati Nabila, Aprilian Ningsih, Nurul Hidayati Indra Nur Aini Nur'aini, Nur'aini Rahmat Rahmat Siti Lamusiah, Siti Syaharuddin Syaharuddin Syaharuddin Syahrul R, Syahrul Tazhdinov, Magomed Triyunarni, Baiq Reinalda Vera Mandailina, Vera Wibisono, M. Putra