Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam
P-ISSN : 2746-489X E-ISSN : 2774-5864 JIMEBIS: Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam is a Scientific Journal of Islamic Economics and Business dedicated for students’ article co-authored with lecturers. The articles published in this journal is based on scientific research done during the study and discuss Islamic economics and business issues including Islamic banking and finance, fintech, and Islamic philanthropy. JIMEBIS will be published periodically for 6 (six) months on June and December each year. Indexed by : ​​Editorial Office : Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh
The Influence Of Accountability, Transparency And Supervision On Budget Performance At Higher Education Service Institutions (LLDIKTI) Region XIII Aceh
This study aims to analyse the effect of accountability, transparency and supervision on budget performance at LLDIKTI Region XIII Aceh. This research is a type of causal associative research with a quantitative approach. The research sample was employees at LLDIKTI Region XIII Aceh, totalling 99 employees using the census technique. Accountability, Transparency and Supervision variables on budget performance are measured using a Likert scale, and data obtained by distributing questionnaires to respondents. Data analysis using statistical analysis of correlation and multiple regression models with the help of SPSS 25 software. To test each item on each variable, validity and reliability tests have been carried out as an instrument. The results of the analysis show that simultaneously there is an influence between Accountability, Transparency and Supervision on budget performance. The results of the F test obtained Fcount> Ftabel or (63.924> 2.70) and a significant test that the p value of 0.000 < p set at 0.05 which means significant. Partial test results show that: 1. Accountability affects budget performance with Thitung 4.791> Ttabel 1.660 and p value 0.000 < p 0.05 means significant. 2. Transparency affects budget performance with Thitung 5,263> Ttabel 1,660 with a p value of 0.000 from <0.05 means significant. 3. Supervision affects budget performance with Thitung 2.968> Ttabel 1.660 with a p value of 0.002 from <0.05 means significant.
Budget performance, accountability, transparency, supervision
Copyright (c) 2024 Eliana Ilyas, Farah Ivana, Sisca Mediyanti, Ainul Ridha, Masri
Analysis Of The Islamic Bank Cash Withdrawal Service System For Foreign Tourists (A Case In Aceh Tengah Indonesia)
Aceh Tengah is highland that attracts many tourists from domestic or foreign countries in Aceh. Bank Syariah Indonesia (BSI) of the Islamic banks that plays an important role regarding the cash withdrawal process by foreign tourists in Aceh Tengah District, Aceh Province, Indonesia. The study aims to determine how BSI facilitates cash withdrawal services in Aceh Tengah. This study used a qualitative method with a descriptive field approach from foreign tourists that visiting Aceh Tengah. The results of this study indicate that there are several obstacles experienced by tourists in the cash withdrawal process, such as some of their bank cards are not supported by the available ATM (Automated Teller Machine) even through the Teller counters would have been not accessible for them. It is expected that this study will highlights the needs of upgrading system for Islamic banks that operating in Aceh Tengah for foreign tourists in using cash withdrawal services.
Copyright (c) 2024 Dinda Tiaranita, Inayatillah Djakfar, Rika Mulia
The Role Of Waqf Property Buildings For Beneficiaries
The Tahfidzhul Quran Sulaimaniyah Habibie Center Aceh Besar Islamic Boarding School building is a temporary waqf property resulting from collaboration between the Sulaimaniyah Foundation and the Habibie Center Foundation. There are many permanent waqf building assets whose benefits are less than optimal for mauquf 'alai'ih throughout Indonesia, including in Aceh. This is because the abilities and strategies of waqf managers (nazhir) are still lacking in managing waqf assets professionally. This study aims to determine Nazir's strategy in managing and utilizing waqf land and buildings at the Sulaimaniyah Habibi Center Islamic Boarding School. The research uses a qualitative approach to sources namely Nazirs, Islamic boarding school students, Islamic boarding school alumni, village imams and local communities by collecting data using observation, interviews and documentation techniques. The data analysis method uses data reduction techniques, data presentation, and drawing conclusions. The results of the research show that Nazir's strategy in managing and utilizing waqf property buildings is by managing and utilizing ZIS (Zakat, Infaq and Alms) funds and waqf goods according to their designation as Islamic boarding school operational costs for the continuity of student learning.
Copyright (c) 2024 Jalaluddin, Hafas Furqani, Ilham
Effects Of Brand Image, Rate Of Profit-Sharing Ratio, Contract Application, And Trust On The Customers’ Decision To Save At Islamic Banks
The rapid development of Islamic bank has resulted in business competition. This study analyzes the influences of brand image, rate of profit-sharing ratio, contract application, and trust on customers’ decision to save at Islamic banks. The all Islamic banks in Yogyakarta City are the objects in this study, this study uses a questionnaire to collect as many as 100 respondents as the samples, that is, the customers of Islamic banks. This study uses the quantitative method with multiple linear regression analysis. The study shows that brand image positively and significantly influences the customers’ decision to save at Islamic banks, with a value of 0.00 < 0.05. The Rate of profit-sharing ratio positively and significantly affects the customers’ decision to save at Islamic banks, with a value of 0.02 < 0.05. The contract application positively and significantly influences the customers’ decision to save at Islamic banks, with a value of 0.05. Trust positively and significantly impacts the customers’ decision to save at Islamic banks, with a value of 0.02 < 0.05. Simultaneously, brand image, rate of profit-sharing ratio, contract application, and trust positively and significantly influence the customers’ decision to save at Islamic banks.
Copyright (c) 2024 Erika Rizkina, Mufti Alam Adha, Andy Putra Wijaya
Utilization of Social Media as A Business Tool Among Students in The Perspective of Islamic Business Ethics
The utilization of social media refers to the use of digital platforms that enable interaction and sharing of content in the form of text, images, and videos, for various purposes such as communication, marketing, education, and more, including online businesses. Therefore, it is crucial for students who are frequently engaged with social media to maximize its potential for something more productive, such as running a business in accordance with Islamic business ethics. This research aims to explore the role, challenges, and constraints of social media as a business tool among students of the Faculty of Economics and Islamic Business at UIN Ar-Raniry, Banda Aceh, from the perspective of Islamic business ethics. The study employs a qualitative method with a descriptive approach, conducting in-depth interviews with students actively involved in online business. The informants interviewed for this research include 1 member of PINBIS, 2 academic experts, and 7 students. The results indicate that the utilization of social media as a business tool among students at FEBI UIN Ar-Raniry, Banda Aceh, is well underway but not yet optimal. Not all students can leverage social media as a business tool in line with the perspective of Islamic business ethics, resulting in only a few students starting their online businesses.
Copyright (c) 2024 Azimah Dianah, Cut Dian Fitri, Zakia Hawari
Determinants Of Purchasing Decisions In Tik Tok Shop E-Commerce With Trust As A Mediating Variable
This study aims to examine the effect of security and Sharia compliance on purchasing decisions in the e-commerce TikTok Shop with trust as a mediating variable. The sample in this study were active undergraduate students at USK totaling 85 people who were taken based on the Hair formula and analyzed using the path analysis model. The results of this study found that security and sharia compliance had a positive effect on trust. Security, Sharia compliance, and trust have a positive effect on purchasing decisions. In the Sobel test, the indirect effect shows that security and Sharia compliance have a positive influence on purchasing decisions through trust as a mediating variable. Further research can take other supporting factors that have not been used in this study
Copyright (c) 2024 Milda Munadia, Khairil Umuri, Dewi Suryani Sentosa, Eka Nurlina
Persepsi Dosen dan Karyawan Universitas Islam Negeri Ar-Raniry Terhadap Murabahah Bank Syariah
Murabahah financing is a financing product that dominates the distribution of financing funds in Islamic banks. This study aims to determine the perceptions of lecturers and employees of FEBI UIN Ar-Raniry on murabahah financing at Islamic banks in Aceh. This research belongs to the type of descriptive qualitative research with primary data collection (through the distribution of interview questions) to lecturers and employees of FEBI UIN Ar-Raniry. The results of this study indicate that as many as 59.1% of participants stated that the mechanism and implementation of murabahah financing contracts in Islamic banking in Aceh was in accordance with sharia principles
Persepsi Ulama Dayah Terhadap Konversi Bank Konvensional (Studi Kasus Di Kota Banda Aceh)
After the conversion of conventional banks to sharia banks, people still think that there are no significant differences in the operational system of sharia banks except just changing the name, changing the term interest to profit sharing and several other small things that are not significant. This research aims to analyze the perceptions of ulama regarding the conversion of conventional banks to sharia banks in Banda Aceh. This research uses descriptive qualitative methods. Data was obtained by interviewing related parties such as ulama and community leaders. The research results show that according to the perception of ulama, the conversion of conventional banks to sharia banks is in accordance with the Islamic banking system because there is a Sharia Supervisory Board, although it still requires improvement. According to them, this conversion is the right thing and indeed should be carried out considering the existence of the Qanun on Sharia Financial Institutions in Aceh.
Copyright (c) 2023 Muhammad Arifin, Ismuadi Usman, Alfatan Fadhillah
Students' Interest In Investing In The Sharia Capital Market
The Indonesia Stock Exchange (IDX) stated that youth, including students, have considerable potential to become stock investors. One of the main targets of capital market investors and Islamic capital markets is students. This study aims to determine whether knowledge, Socialization, and education influence the interest in investing in the Islamic capital market students of the Faculty of Islamic Economics and Business Ar-Raniry State Islamic University Banda Aceh. This research is a quantitative study in which samples were taken from as many as 332 respondents using a probability sampling technique. This probability sampling technique includes several techniques, but the researcher chose the simple random sampling technique because the sample members from the population were taken randomly without regard to the strata in the population. The data type used is primary data, which distributes the questionnaire via Google Forms. The research data analysis method used the Structural Equation Modeling (SEM) method with the Partial Least Square (PLS) approach and SmartPLS software's help. The results of this study indicate that the knowledge variable has a positive and significant effect on the interest in investing in the Islamic capital market. The socialization variable also has a positive and significant effect on the interest in investing in the Islamic capital market, and the education variable also has a positive and significant effect on the interest in investing in the Islamic capital market. Based on the R2 test, the influence exerted by the independent variables (knowledge, outreach, and education) on the dependent variable (intention to invest in the Islamic capital market) is 52.4%. In contrast, the rest is influenced by other variables not included in this study.
Copyright (c) 2023 hafidhah hafidhah, Hafas Furqani, Aja Fitria Millati
Peranan Media Sosial Dalam Meningkatkan Minat Berkunjung Wisatawan Di Kota Sabang
One technology that is developing rapidly and is part of communication technology is social media. Among various social media currently available, the three most used social media are Facebook, YouTube and Instagram. Facebook is the first social media that makes people in the world connected to each other and continues to develop its features so that it is difficult for old users to leave it. YouTube is a social media that allows someone to upload videos that they have for a long time. Instagram itself is popular because of its practical and simple way of using it. The aim of this research was to see how big a role social media plays in attracting tourists to visit Sabang City. This research was quantitative descriptive. The research method used was simple linear regression. The independent variable used was social media with the indicator being social media which is often used as promotional media such as Facebook, YouTube and Instagram, while the interest in visiting tourists to Sabang City was used as the dependent variable. The influence of social media in increasing tourist interest in the city of Sabang will be measured using the t test. Data collection was carried out by distributing questionnaires to tourists, both local and foreign. The research results show that the regression equation obtained is Y = 39.832 + 0.716X. The results of the t test show that the t count is 2,883, which means the t count is greater than the t table and shows the influence of social media on tourists' interest in visiting Sabang City. The coefficient of determination produces a figure of 12.7%, which shows that social media has an influence of 12.7% on tourist interest in visiting and the remaining 87.3% is influenced by other factors outside the model.
Copyright (c) 2023 Intan Cahyani Rachman, Yusmika Indah, Anwar, Rahmi Raihan
Pengaruh Harga, Kepercayaan dan E-Wom Terhadap Minat Beli Ulang Permasi Textile Banda Aceh
This study aims to determine the effect of Price, Trust and Electrical Word Of Mouth simultaneously on repurchase interest at the Banda Aceh Textile Permasi Store. The method used is a causal associative method that aims to determine the influence or relationship between two or more variables in a study. Determination of this study sample using accidental sampling technique. The sample used in this study was 96 consumers in textile permasi Banda Aceh who had purchased products more than once and were willing to become respondents. The analysis method applied is multiple linear regression analysis. The results showed that the price partially affected the repurchase interest in Permasi Textile Banda Aceh. Trust partially affects repurchase interest in Permasi Textile Banda Aceh. Electric Word Of Mouth partially affects repurchase interest in Permasi Textile Banda Aceh. Price, Trust and E-WOM simultaneously affect repurchase interest in Banda Aceh textile permasi. The increase in repurchase interest is determined by Price, Trust and E-Wom the more affordable the price, the stronger the trust and the high E-Wom owned by business actors, the greater the opportunity for companies to increase consumer repurchase interest.
Copyright (c) 2023 Syahrul Maulidi, Marlizar, Mahfud Al Rizky
Dampak Adopsi QRIS Pada UMKM Sektor Food and Beverage Di Banda Aceh
Advances in information technology have driven transformations in payment systems, and the COVID-19 pandemic serves as a catalyst for the financial services industry worldwide to accelerate shifts in payment systems toward cashless payment systems. Ironically, a preliminary study conducted among MSMEs in the food and beverage (F&B) sector in Banda Aceh indicated that utilization of QRIS is considerably low, with only 20% indicating that the intensity of customer transactions through QRIS is rated medium to high and 80% indicating low intensity. This phenomenon drove this study to investigate the impact and challenges associated with utilizing QRIS as an alternative payment system in the F&B industry in Banda Aceh. We investigated this issue employing a descriptive qualitative approach, and data was collected on MSME owners in the designated industry in Banda Aceh by performing observation, interviews, and documentation. Afterwards, the collected data were analyzed using Nvivo 12. According to the findings of this study, adopting QRIS in the payment system increases the ease of transaction, business operational efficiency, and rapid access to transaction data. However, the adoption of QRIS among MSMEs in (F&B) industry in Banda Aceh is relatively low. Some challenges in adopting QRIS have lagged interconnectivity between payment aggregators, disrupting the transaction process and delaying customer transaction payments. During hectic seasons such as weekends, national holidays, and religious holiday, the intensity of these technical obstacles frequently increases. Aside from that, public awareness and acceptance of electronic payment transactions remain low due to city dwellers’ lack of digital financial literacy.
Copyright (c) 2023 Teuku Syifa Fadrizha Nanda, Evriyenni, Rahmi
Pengaruh Pengetahuan dan Modal Minimal Terhadap Minat Investasi Mahasiswa UIN Ar-Raniry
Access to the Islamic Capital Market makes it easier for all people, including students, to invest in Islamic stocks. This study aims to analyze the effect of investment knowledge and minimum capital variables toward the intention at student of Economics and Islamic Business Faculty (FEBI) - Ar Raniry State Islamic Univesity in investing on the Islamic Capital Market Islamic. This study uses a quantitative approach by multiple linear regression analysis, and it processed proportionate stratified random sampling with data sourced from questionnaires of 96 students as samples. The results of the study show that: Partially, investment knowledge has no effect on investment intentions, in contrast to minimal capital, which has an effect on student investment intentions. Meanwhile, simultaneously it shows that the two independent variables have effected on students' intention in investing in the Islamic Capital Market.
Copyright (c) 2023 Evy Iskandar, Rizki Dara Vonna
Peningkatan Kesejahteraan Ekonomi Keluarga Melalui Industri Kopi Rumahan
This study aims to find the roles, supporting factors and inhibiting factors of the home coffee industry in increasing the economic welfare of working families and the community around the Malem Diwa home industry. The type of research used in this research is qualitative research. In collecting data researcher used direct interview methods. Based on the results of the study, it shows that the role of the Malem Diwa home coffee industry is able to increase family economic welfare, and can open jobs for the community around the home industry, so that people earn income to prosper the family economy in meeting family needs. Factors supporting the Malem Diwa home industry are sources of business capital from owners, labor, goods quality raw materials and technology. While the inhibiting factors are constrained by the lack of business capital and infrastructure facilities in supporting the activities of managing the home coffee industry.
Copyright (c) 2023 Uliya Azra, Saifullah
Aspek Bauran Pemasaran Terhadap Perilaku Konsumen Pengguna Jasa J&T Express Kota Banda Aceh
Changes in consumer lifestyles certainly have a big influence on the growth of online business in Indonesia, this development is the initial sequence for the growth of goods delivery services. One shipping expedition service company that is experiencing development is the J&T Express company. J&T Express helped establish its company in Banda Aceh, to face competition and maintain its credibility the company needs to optimize the implementation of marketing strategies including: brand image, service quality and price. The formulation of the problem and research objectives are to see how brand image, service quality, and price influence consumer decisions in using J&T Express services in Banda Aceh City partially and simultaneously. This research is a quantitative study, using primary data by distributing questionnaires to 153 respondents using a purposive sampling technique. Data analysis used in this research is multiple linear regression analysis. The results of the study show that partially and simultaneously brand image, service quality, and price have a significant effect on the decision to use J&T Express services in Banda Aceh City
Copyright (c) 2023 Marwiyati, Jalilah, Putri Marlinda
Analisis Pengaruh Kemudahan, Kegunaan dan Tingkat Resiko Terhadap Keputusan Masyarakat Sukoharjo Menggunakan Shopeepay
In today's digital era, information progress is spreading fast and getting more advanced. Technology transfer can control various elements of people's habits that impact daily activities. The use of social media by mobile phones is increasing every year. The annual increase causes various innovations, one of which is financial technology or fintech. An example of fintech that is often used today is the Shopeepay e-wallet. The purpose of this analysis is to understand the impact of convenience, usability & risk on the certainty of using Shopeepay in the Sukoharjo Regency area. This form of study uses prime data. How to take samples with cluster random sampling. The total sample is 100 respondents by providing an online questionnaire in the form of a G-Form. Multiple linear regression with SPSS 23 is used for data processing. Simultaneous research on usage decisions. It is known that the results of the research that the researchers conducted were that perceived convenience had no significant impact on the decision to use shopeepay, then perceived usefulness had an effect on using shopeepay, and perceived risk had an effect on decisions on using shopeepay in the community in Sukoharjo. The results of the validity test are declared valid, and the reliability test is declared reliable
Copyright (c) 2023 Mufti Arief Arfiansyah, Defi Vebriani, Afifatul Makarim
Kajian Empiris Kepatuhan Wajib Pajak Pengusaha di Kota Banda Aceh
Empirical studies regarding taxpayer compliance with an obligation and obligation to be carried out for every citizen as fulfillment of citizenship in Indonesia, many business people in Banda Aceh City do not report their tax obligations correctly so that the level of individual taxpayer compliance is low and the tax service office as executor of state duties often conducts socialization so that entrepreneurs have a taxpayer ethic in fulfilling their obligations every year. The aim of the study was to determine the effect of taxpayer ethics on individual taxpayer compliance at KPP Pratama Banda Aceh. The research population is all registered WPOP in the city of Banda Aceh (KPP Pratama) using proportionate strafied random sampling technique on 100 entrepreneurs as respondents. The research findings show that the variable of taxpayer ethics has a positive and significant effect on taxpayer compliance in entrepreneurs in the city of Banda Aceh with the hypothesis that the results of simple regression analysis show that the coefficient value is 0.709 and t-count 9.959> t-table 1.984 and a significant level of p-value 0.000 <0.05.
Teknologi Informasi dan Kualitas Layanan Mempengaruhi Tingkat Kepuasan Nasabah Bank Syariah
This study aims to determine the effect of information technology and service quality on customer satisfaction at BNI Syariah Banda Aceh Branch Office. Quantitative research method with multiple linear regression analysis using IBM SPSS software version 25. The results showed that information technology and service quality variables had a positive and significant effect on customer satisfaction at BNI Syariah Banda Aceh Branch Office. customer satisfaction variable can be explained by information technology and service quality variables 53.6%, while the effect is influenced by other variables outside the study.
Strategi Pembiayaan UMKM Dalam Meningkatkan Usaha Nasabah Pada Masa Covid 19 (Studi Kasus Di PT. Bank Sumut Cabang Syariah Medan Katamaso)
This research is motivated by the development of micro, small and medium enterprises is a way that is considered to have a large role in the development of the national economy. The development of a business will help overcome the unemployment problem, given the large number of MSMEs in this country, so that it can increase job opportunities and opportunities to open businesses, which in turn encourages regional and rural development. In developing MSMEs, PT. Bank Sumut Syariah Medan Katamaso Branch as a financing institution that prioritizes services in supporting the improvement of the community's economy. One of the roles of sharia microfinance in the economic development of the community is by providing financing capital to customers to develop their businesses. This journal discusses the MSME Financing Strategy in Improving Customer Business During the Covid 19 Period (Case Study of PT. Bank Sumut Syariah Branch Medan Katamaso). In this study, the theory of the MSME financing strategy carried out by PT. Bank of North Sumatra Sharia Branch Medan Katamaso. in improving customer business during the Covid 19 period. This type of research is qualitative research, in descriptive form. The data sources used are primary and secondary data sources. Data was collected using interview, documentation, and observation techniques. The results of this study conclude that the MSME financing strategy in increasing customer business during the covid 19 period uses a murabahah contract in the MSME financing strategy, namely banks must manage mitigation appropriately and banks must focus on industries that have prospects to be financed. During the Covid 19 period, business development experienced a rapid decline so that it affected the decline in income for several customer businesses that had done MSME financing at PT. Bank Sumut Sharia Branch Medan Katamaso. In contrast to before the Covid 19 period, which is currently happening, customer business developments are still developing.
Copyright (c) 2022 Azhari Akmal Tarigan, Andre Bagaskara
Pengaruh Kualitas Pelayanan dan Biaya Administrasi Terhadap Kepuasan Nasabah Tabungan Faedah Pada BRI Syariah Cabang Banda Aceh
This study was conducted to determine the effect of the influence of service quality and administrative costs on customer satisfaction. The study at BRI Syariah Kc Banda Aceh. This research method uses quantitative methods with data collection techniques through distributing questionnaires to 100 respondents, namely Tabungan Faedah customers. The results showed that: (1)Service quality had a positive and significant effect on customer satisfaction at Bank BRI Syariah KC Banda Aceh. (2)Administrative costs have a positive and significant effect on customer satisfaction at Bank BRI Syariah KC Banda Aceh. (3)Service Quality and Administration Costs simultaneously have a significant effect on customer satisfaction
Pengaruh Kinerja Lingkungan Terhadap Kinerja Keuangan Dengan Corporate Social Responsibility Sebagai Variabel Intervening
This study aims to examine the effect of environmental performance on financial performance with corporate social responsibility as an intervening variable in textile and garment sub-sector manufacturing companies listed on the Indonesia Stock Exchange. This research is a type of causal associative research with a quantitative approach. The population of this study are manufacturing companies in the textile and garment sub-sector which are listed on the Indonesia Stock Exchange (IDX) for the 2017-2019 period. The sample of this research is 32 companies selected by using purposive sampling method. The data used is secondary data, and the amount of data obtained is 90 data studied. The data analysis method used to test the hypothesis is panel data regression with the help of the Eviews program version 10.0, with the data collection method used is the documentation method obtained through the official website of the Indonesia Stock Exchange (www.idx.co.id) and the respective official websites each company as well as the official website of the Ministry of Environment and Forests (www.menlhk.go.id). the results of the study concluded that (1) Environmental Performance has a significant effect on Financial Performance, (2) Environmental Performance has a significant effect on Corporate Social Responsibility, (3) Corporate Social Responsibility has a significant effect on Financial Performance, (4) Environmental performance has a significant effect on financial performance by Corporate Social Responsibility as an intervening variable. The results of this study indicate that environmental performance with regard to corporate social responsibility is very important to be implemented in companies, because it can improve the company's financial performance.
Kinerja Bank Pasca Konversi Menjadi Bank Syariah: Lebih Baik Atau Lebih Buruk?
This study aims to compare the quality of service and loyalty in Bank before and after to find out the impact of service quality on customer loyalty before and after becoming Bank Syariah. The method used in this research is quantitative. The population in this study up to 60,000 customers. The samples obtained were 100 customers by using Slovin formula with sample technique that is purposive sampling. This research used questionnaire as its instrument. Hypothesis testing in this study consisted of Paired sample t-Test and Structural Equation Model (SEM) Test. Paired sample t-test is to compare service quality and loyalty at Bank before and after conversion. Test SEM used to find out the influence of service quality to loyalty before and after conversion. The result of Paired sample t-test showed that service quality and customer loyalty have better effect than before conversion. And the result of Structural Equation Model (SEM) with maximum likelihood estimation (MLE) method showed that service quality influence loyalty before and after becoming Bank Syariah conversion with significance value of p <0,001.
Copyright (c) 2022 Windi Hasnanti Putri, Nurma Sari, Khairil Umuri
Analisis Strategi Pengembangan Dalam Persaingan Lembaga Keuangan Mikro Syariah Di Aceh
In the operation of Islamic financial institutions, there must be various threats that occur, then every Islamic financial institution must have the right strategy to increase endurance and power competition. This study aims to determine the strength and weaknesses as well as opportunities and threats as well as development strategies PT LKMS Mahirah Muamalah in the midst of competition for Islamic banks in Aceh, using a qualitative descriptive method with a SWOT analysis through Interview. The results showed that there were 9 strengths, 6 weaknesses, 6 opportunities and 5 threats. From these various factors obtained 3 alternative development strategies (1) S-T Strategy, (2) Strategy S-O and (3) Business strategy with strategy implementation diversification.
Copyright (c) 2022 Muhammad Arifin, Riza Aulia, Nurul Azizah
Analisis Pemberhentian Penyaluran Zakat Produktif Bergulir Di Baitul Mal
This study aims to determine the background or consideration of the distribution of revolving productive zakat in the form of machine and boat rickshaws and to analyze the causes of the dismissal of revolving productive zakat transfers in the Baitul Mal City of Banda Aceh. This type of qualitative research, data validity techniques using triangulation method, then using descriptive analysis. As for the background or consideration of the distribution of productive zakat in the form of machine rickshaws, that is first, the machine rickshaw is one of the transportation needed by the community after the tsunami, secondly, mustahik requires a lot of machine rickshaws to run its business and thirdly, the becak driver is easily run by mustahik. Then the distribution of aid in the form of a boat to help mustahik who live in coastal areas and work in the ocean. The cause of the dismissal of productive zakat distribution is first, problematic financing or bad financing. Second, the distribution of productive zakat in the form of a pedicab is stopped to avoid traffic congestion.
Copyright (c) 2022 Seri Murni, Farid Fathony Ashal, Rosmiana
Dimensi Literasi Keuangan Syariah Pada Kinerja Keuangan UMKM
Financial literacy is one of the success factors for the economy and the welfare of the people in Indonesia. The low level of financial literacy has an impact on people's economic growth, including Micro, Small and Medium Enterprises (MSMEs). Aceh is one of the regions in Indonesia that implements Islamic sharia, including the activities of its financial institutions. Therefore, it is important for MSME actors in Aceh to have a good level of Islamic financial literacy. This study aims to examine the effect of the dimensions of Islamic financial literacy which includes financial knowledge, financial attitudes and financial capabilities on the financial performance of MSMEs. The research population includes 927 MSMEs in Syiah Kuala District, Banda Aceh City. While the research sample was 90 SMEs based on the Slovin formula with simple random sampling technique. The data used are questionnaires obtained from MSME actors with documentation techniques. Data were analyzed using linear regression method. The results of the study indicate that both separately and together, the dimensions of Islamic financial literacy, namely financial knowledge, financial attitudes and financial capabilities affect the financial performance of MSMEs in Syiah Kuala District, Banda Aceh City.
Analisis Faktor Yang Mempengaruhi Pendapatan Sektor Pariwisata Di Kota Sabang
The tourism sector is a sector that has the potential to be developed as a source of regional income. This is in line with what is stated in Law No. 10 of 2009 concerning tourism that the implementation of tourism is shown to increase national income in order to improve the welfare and prosperity of the people, expand and equalize business opportunities and employment opportunities, encourage regional development, introduce and utilize tourist objects and attractions. The existence of a fairly large tourism potential is expected to be a force to increase Regional Original Income, especially in the tourism sector. One area that has tourism potential is the City of Sabang which is marked by the declaration of the area as a tourist destination. The purpose of this study was to determine the effect of the number of tourists, the number of attractions, and the hotel occupancy rate on the income of the tourism sector in Sabang City. This study uses a quantitative approach through secondary data from 1999-2016. The results showed that the variables of the number of tourists, the number of attractions and the hotel occupancy rate simultaneously had a significant effect on the income of the tourism sector in Sabang City. Partially, the number of tourists has a negative and significant effect on the income of the tourism sector, the hotel occupancy rate has a positive and significant effect on the income of the tourism sector, while the tourism object variable has no significant effect on the income of the tourism sector in Sabang City.
Efektivitas Bantuan Langsung Tunai Dana Desa Bagi Masyarakat Terkena Dampak Covid-19 Dalam Perspektif Maslahah Dharuriyah (Studi Di Desa Lambhuk Kecamatan Ulee Kareng Kota Banda Aceh)
The COVID-19 pandemic has had a negative social and economic impact, affecting and lowering people's living standards. This is caused by restrictions on economic activity and muamalah so that economic growth weakens, causing many people to lose their jobs which can increase the number of poverty in Indonesia. Thus, the government needs to make policies or programs to overcome these problems. This study aims to determine whether the government program in the form of Village Fund BLT in Lambhuk Village, Ulee Kareng District, Banda Aceh City has been effective and can realize maslahah dharuriyah for the community due to the COVID-19 pandemic. This study uses a qualitative descriptive method with field research data collection through interviews, documentation, and observation. The results showed that the Village Fund BLT program in Lambhuk Village can be said to be effective because it is in accordance with the rules and procedures set by the government, namely the accuracy of making choices, targeting accuracy, timeliness, and program monitoring have been felt by the community because of the goodness of the implementation of the assistance. characterized by a sense of security in terms of feelings, environment, and benefits. This assistance provides maslahah dharuriyah for the community because it can help in meeting their daily needs
Pengaruh Pandemi Covid-19 Terhadap Minat Penggunaan Mobile Banking Pada Nasabah BNI Syariah Cabang Banda Aceh
Mobile banking is a service that provided by banks to make it’s customers easily in transaction at anywhere and anytime. Mobile banking is useful for bank’s customers in carrying out government policies of stay at home and physical distancing to break the chain of virus spread during the COVID-19 pandemic. This study aims to determine the effect of Stay at home and Physical distancing on interest in using mobile banking (Y). during the Covid-19 pandemic. The quantitative method was carried out using multiple linear regression analysis which was processed from 90 respondents from BNI Syariah Banda Aceh customers. The results show that partially and simultaneously stay at home, and physical distancing have a significant positive effect on interest in using mobile banking during the covid-19 pandemic
Copyright (c) 2021 Evy Iskandar, Israk Ahmadsyah, Cindy Rahayu
Pengaruh Tingkat Pendidikan dan Kesehatan terhadap Produktivitas Tenaga Kerja di Provinsi Aceh.
Employment is a fundamental thing in human life because it includes social and economic dimensions. Providing sufficient job opportunities is one of the important goals in economic development in order to catch up with the labor force, because the growth of the labor force is faster than the growth of employment opportunities. The problem of job opportunities is an important thing in the macro economy and labor is one of the factors of production besides technology and capital. Efforts to encourage increased productivity of human labor are through education and health. This study aims to determine how much influence the level of education and health has on labor productivity. This research is a quantitative study using secondary data in the form of panel data, the data obtained from BPS Aceh. The method used is a less square panel with a random effect model. The results of this study indicate that the education level variable has a positive and significant effect on labor productivity in Aceh Province in 2010-2020, while health has a negative and insignificant effect on labor productivity in Aceh Province in 2010-2020. Simultaneously the level of education and health does not have a significant effect on labor productivity.
Panel Modelling to Analyze Financial Performance On Islamic Commercial Banks
This research was conducted to determine the influence of CAR, NOM, OCR, FDR on Islamic Commercial Banks for the 2016-2020 period. The population of this study was all Sharia Commercial Banks in Indonesia registered with the Financial Services Authority (OJK) in 2016-2020 and obtained 12 samples that met the criteria using purposive sampling techniques. The data analysis technique uses multiple linear regression techniques of panel data with the selection of a Fixed Effect Model (FEM). The results showed that: (1) CAR has a positive effect on ROA in Islamic Commercial Banks. (2) NOM has a positive effect on ROA in Islamic Commercial Banks. (3) OCR has a positive effect on ROA. (4) FDR has a positive effect on the ROA of Islamic Commercial Banks.
Copyright (c) 2023 Fuad Hasyim, Andini Dwi Kusuma Ningrum , Jundi Fikri Robbani