Jihbiz: Global Journal of Islamic Banking and Finance
type: channel
description: Accreditation : SINTA 5 Journal Title : Jihbiz: Global Journal of Islamic Banking and Finance ISSN : 2684-8554 (online) DOI Prefix : Prefix 10.22373 by Crossref Editor in Chief : Prof. Dr. Azharsyah Ibrahim, S.E.Ak., M.S.O.M Managing Editor : Muksal, S.E.I., M.E.I Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh Frequency : 2 issues per year (January and July) Citation Analysis : Google Scholar JIHBIZ : Global Journal of Islamic Banking and Finance welcomes students, academicians, and practitioners to publish research articles of interest to Islamic Financial Institutions and Islamic Finance. Those includes but not limited to the following topics : Islamic Banks and non-Banks, Islamic Insurance/Takaful, and Islamic Institutional Management that including Islamic Accounting, Islamic Capital Market, Islamic Work Ethics, Islamic Corporate Social Responsibility, Islamic Financial Management, Islamic Business Management, Islamic Marketing Management, Islamic Consumer Behaviour, Product Innovation and Development Strategies. JIHBIZ has been indexed by numerous reputable indexing services, including WorldCat, Google Scholar, Dimensions, BASE, ROAD, Crossref, Moraref, and many others. JIHBIZ is listed among the top journals in Indonesia by the Indonesian journal accreditation body (Tier 5), as authorized by the Decree of Director General of Higher Education, Research, and Technology, Ministry of Education, Culture, Research, and Technology, No. 177/E/KPT/2024. Currently, JIHBIZ is under consideration for inclusion in SCOPUS and WoS.
publisher: Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry
language: en
publication name: Jihbiz: Global Journal of Islamic Banking and Finance
issn: 2684-8554
copyright: Jihbiz : Global Journal of Islamic Banking and Finance Education uses license CC-BY-SA or an equivalent license as the optimal license for the publication, distribution, use, and reuse of scholarly works. This license permits anyone to compose, repair, and make derivative creation even for commercial purposes, as long as appropriate credit and proper acknowledgement to the original publication from Jihbiz : Global Journal of Islamic Banking and Finance is made to allow users to trace back to the original manuscript and author. Readers are also granted full access to read and download the published manuscripts, reprint and distribute the manuscript in any medium or format.
items: Efektivitas Program Bantuan Langsung Tunai (BLT) Kepada Warga Penerima Manfaat di Kelurahan Menteng, Kecamatan Jekan Raya, Kota Palangka Raya
items: Halal Image in Product Acceptance: A Comparative Study from Muslim Majority and Minority Countries
items: Analisis Praktik Bisnis Berbasis Digital Melalui Tinjauan Tingkatan Maslahah dalam Ekonomi Islam
items: Determinan Minat Masyarakat Banda Aceh Untuk Menggunakan Asuransi Syariah
items: Analisis Pembiayaan Bermasalah Pada Produk Kredit Usaha Rakyat (KUR) Menggunakan Akad Murabahah Pada Bank Syariah Indonesia Kantor Cabang Kota Fajar Kabupaten Aceh Selatan
items: Kendala Bank Syariah dalam Mendukung Pengembangan UMKM Pasca Lahirnya Qanun LKS 11 Tahun 2018
items: Efektivitas Pembiayaan Kredit Usaha Rakyat Mikro Syariah pada Bank Syariah Indonesia Terhadap Pengembangan UMKM di Kota Takengon
items: The Influence of Halal Literacy on Purchasing Decisions of Wardah Products in Banda Aceh City
items: Interest in Waqf Among Gen Z: The Role of Technological Literacy and Digital Waqf Innovation
items: Pengaruh Kemudahan Fasilitas Perbankan, Gaya Hidup dan Kepuasan Terhadap Penggunaan QRIS Sebagai Alat Pembayaran Digital (Studi Kasus Pada Masyarakat Kutacane, Aceh Tenggara)
items: Pengaruh Kepercayaan, Kenyamanan dan Kualitas Layanan terhadap Kepuasan dalam Layanan BYOND by BSI (Studi Pada Pelaku UMKM Kota Banda Aceh)
items: Problematika Penerapan Quick Response Code Indonesian Sandard (QRIS) di Aceh (Studi Pada UMKM di Kota Banda Aceh)
items: Analysis of Sharia Financial Literacy, Self-Control, and Deliberative Thinking on the Financial Behavior of MSMEs in Banda Aceh City
items: Peran CAR, FDR, dan BOPO Terhadap Stabilitas Perbankan dengan NPF Sebagai Pemoderasi pada Bank Umum Syariah 2019-2024
items: Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Penerima Gaji Pensiun Pada Bank Aceh Syariah Cabang Blangpidie
items: Promoting Islamic Charitable Donations: Insights from Palembang
items: Optimization of MACD Indicator Parameters on the Movement of the Indonesia Sharia Stock Index (ISSI): A Technical Approach Based on Historical Data
items: Optimizing Performance: A Dynamic Analysis of Credit Quality, Operational Efficiency, and Their Influence on ROA in Indonesian Islamic Banks
items: Strategy For Developing MSME Through Sharia Microfinance Institutions
items: Pengaruh Content Marketing dan Brand Awareness Terhadap Costumer Engagement Ditinjau dari Perspektif Ekonomi Islam
items: Pengaruh Literasi Keuangan Syariah, Kemudahan, dan Perilaku Konsumtif Terhadap Minat Masyarakat Aceh dalam Menggunakan Fintech Peer To Peer Lending Syariah
items: Analisis Determinan Minat Menabung Aparatur Sipil Negara (ASN) di Kota Banda Aceh Pasca Qanun No.11 Tahun 2018 Tentang Lembaga Keuangan Syariah
items: Determinants of Customer Perceptions in Utilizing Mobile Banking in Traditional Society: A Lesson from Aceh
items: PENGARUH MANFAAT, KEMUDAHAN, DAN KEAMANAN TERHADAP MINAT PENGGUNAAN QUICK RESPONSE INDONESIAN STANDARD PADA PELAKU UMKM DI KECAMATAN SAWANG, KABUPATEN ACEH SELATAN.
items: Analisis Dana Wadiah Terhadap Kinerja Bank Aceh Syariah
items: Kontribusi Pembiayaan Bank Syariah Dalam Pengembangan Usaha Mikro (Studi pada Bank Aceh Syariah KCP Lam Ateuk, Kecamatan Kuta Baro, Aceh Besar)
items: Alokasi Dana Corporate Social Responsibility (CSR) pada Bank Aceh Syariah Cabang Kota Lhokseumawe
items: Transformation of Bank Aceh's Financial Performance: A Comparative Analysis Before and After Sharia Conversion
items: ANALYSIS OF CUSTOMER INTEREST AND SERVICE QUALITY IN USE OF MOBILE BANKING ON BANK ACEH SYARIAH KCP KEUTAPANG DUA SERVICE FEATURES
items: FACTORS INFLUENCING INTENTION TO DONATE AT THE MOSQUES USING QRIS IN BANDA ACEH

Efektivitas Program Bantuan Langsung Tunai (BLT) Kepada Warga Penerima Manfaat di Kelurahan Menteng, Kecamatan Jekan Raya, Kota Palangka Raya
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description: This study aims to analyze the effectiveness of the Direct Cash Assistance (BLT) program for beneficiaries in Menteng Village, Jekan Raya District, Palangka Raya City. A descriptive qualitative approach was employed using observation, in-depth interviews, and documentation. The analysis focuses on targeting accuracy, data verification and validation, and the timeliness of aid distribution.The results show that the BLT program has been relatively effective in reducing the economic burden of low-income communities. The use of a decile-based data system and the involvement of neighborhood units (RT) in verification contribute to improved targeting. However, challenges such as data inconsistencies, duplicate beneficiaries, and limited evaluation remain. From a sharia perspective, the program aligns with the principles of justice (‘adl) and public welfare (maslahah). Nevertheless, strengthening transparency, accountability, and data validation is necessary to ensure fair and sustainable distribution in accordance with Islamic economic principles.
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creator: Arif
creator: Elsa Novianti
creator: Meycel Pratama
creator: Selmai
creator: Yonatan Ari Santoso
rights: Copyright (c) 2026 Arif, Elsa Novianti, Meycel Pratama, Selmai, Yonatan Ari Santoso http://creativecommons.org/licenses/by-sa/4.0
date: 2026-03-31
publication date: 2026-03-31
starting page: 184
ending page: 200
doi: 10.22373/z9qvjz19

Halal Image in Product Acceptance: A Comparative Study from Muslim Majority and Minority Countries
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description: The development of Islamic branding and strategic marketing has skyrocketed over the past decades. Islamic branding companies started to expand their targeted market into the non- Muslim majority countries. This research aims to identify the most significant determinants of brand acceptance and rejection, specifically in Islamic branding, by measuring intention to buy as the determinant of buying behaviour. Utilising the extended theory of Ajzen’s Theory of Planned Behaviour, by measuring the 3 factors constructed by the theory (attitude to behaviour, subjective norm, perceived behavioural control) and the halal image determiner, the research examined the correlation between the four independent variables and the intention to buy. Using quantitative methods and an online questionnaire, the paper found that subjective norm and perceived behavioural control are 2 significant determinants of intention to buy. In addition, based on the sample collected, it is to be noted that there is a significant disparity in the perspective of marketing by being a Muslim and a non-Muslim, as the result showed religion as a significant factor for implementing certain marketing strategies.
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creator: Riza Aulia Azhary
creator: Nya’ Soraya Rizkina
rights: Copyright (c) 2026 Riza Aulia Azhary, Nya’ Soraya Rizkina http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-26
publication date: 2026-02-26
starting page: 166
ending page: 183
doi: 10.22373/pxfrbx46

Analisis Praktik Bisnis Berbasis Digital Melalui Tinjauan Tingkatan Maslahah dalam Ekonomi Islam
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description: This research aims to analyze the levels of Maslahah in digital business practices in Indonesia. The research method used is descriptive qualitative with a library research approach. Secondary data sourced from scientific journals and authoritative textbooks were analyzed using content analysis techniques. The results show that the implementation of the Maslahah concept serves as a moral compass to align technological innovation with sharia objectives (Maqashid Sharia). At the Dharuriyyah level, the main focus lies on the protection of the five main foundations (al-kulliyat al-khams). The Hajiyah level is observed through the increase in MSME empowerment, financial inclusion, and flexibility in transactions that eliminates difficulties (masyaqqah) in public economic mobility. Meanwhile, the Tahsiniyyah level relates to the refinement of ethics and aesthetics, such as improving user experience and transparency through blockchain technology.
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creator: Mursalmina Mursalmina
rights: Copyright (c) 2026 mursalmina http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-26
publication date: 2026-02-26
starting page: 152
ending page: 165
doi: 10.22373/c39skb30

Determinan Minat Masyarakat Banda Aceh Untuk Menggunakan Asuransi Syariah
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description: Sharia insurance can protect lives, and the insured funds can be utilized for mutual assistance among participants (tabarru’ contract). This study aims to examine the effect of financial literacy, religiosity, and trust on interest in using Sharia insurance among the community in Banda Aceh. The study employs a quantitative method with an empirical approach, and the population and sample consist of residents of Banda Aceh City. The sampling technique used is purposive sampling, with a total of 80 respondents collected through questionnaires distributed via Google Forms. Data were analyzed using multiple linear regression to test the hypotheses with the assistance of IBM Statistics software. The findings indicate that, partially, hypothesis 3 is accepted, showing that the trust variable has a significant effect on interest in Sharia insurance. Meanwhile, hypotheses 1 and 2 are rejected, indicating that financial literacy and religiosity do not have a significant effect on interest in using Sharia insurance.
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creator: Evy Iskandar
creator: Akmal Riza
creator: Indira Arsy Putri
rights: Copyright (c) 2026 Evy Iskandar, Akmal Riza, Indira Arsy Putri http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-20
publication date: 2026-02-20
starting page: 123
ending page: 135
doi: 10.22373/zq3f6227

Analisis Pembiayaan Bermasalah Pada Produk Kredit Usaha Rakyat (KUR) Menggunakan Akad Murabahah Pada Bank Syariah Indonesia Kantor Cabang Kota Fajar Kabupaten Aceh Selatan
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description: Peningkatan jumlah UMKM setiap tahunnya mendorong meningkatnya permintaan Produk Kredit Usaha Rakyat (KUR), namun banyak pelaku UMKM yang mengalami pembiayaan bermasalah. Penelitian ini bertujuan untuk menganalisis pembiayaan bermasalah pada KUR menggunakan akad murabahah pada Bank Syariah Indonesia Cabang Kota Fajar. Metode analisis data menggunakan data kualitatif deskriptif, melalui wawancara langsung dengan informan. Dari hasil penelitian menunjukkan bahwa adanya faktor-faktor penyebab pembiayaan bermasalah yaitu faktor internal dan faktor eksternal. Faktor internal berasal dari BSI KC Kota Fajar antara lain, kurang cermat dalam menganalisis masalah, kurang pengawasan pihak bank, dan sistem operasional yang kurang baik. Sedangkan faktor eksternal berasal dari nasabah baik faktor yang disengaja seperti tidak memiliki itikad baik atau sengaja menunda kewajiban untuk melakukan pembayaran angsuran. Proses penyelesaian pembiayaan bermasalah melalui kunjungan dan musyawarah untuk menanyakan kondisi terlebih dahulu. Apabila nasabah telat bayar perbulannya diperingati SP1 sampai SP3 hingga 3 bulan dan jika nasabah tidak kooperatif maka akan dilakukan cara 3R yaitu, reconditioning, rescheduling, dan restructuring.
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creator: Cut Elfida
creator: Akmal Nasrul
creator: Muhammad Zulhilmi
rights: Copyright (c) 2026 Cut Elfida, Nasrul Akmal, Muhammad Zulhilmi http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-20
publication date: 2026-02-20
starting page: 109
ending page: 122
doi: 10.22373/82k1r998

Kendala Bank Syariah dalam Mendukung Pengembangan UMKM Pasca Lahirnya Qanun LKS 11 Tahun 2018
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description: The implementation of the Islamic Financial Institutions (LKS) Qanun Number 11 of 2018 in Aceh positions Islamic banks as strategic actors in supporting the development of Micro, Small, and Medium Enterprises (MSMEs). However, the implementation of this regulation has not yet fully and optimally impacted the strengthening of MSMEs, particularly in Banda Aceh City. This study aims to analyze in depth the obstacles faced by Bank Aceh Syariah and Bank Syariah Indonesia in supporting MSME development following the issuance of the LKS Qanun. The methodology used was a descriptive qualitative approach with field research. Data were collected through semi-structured interviews with bank representatives, and documentation studies, then analyzed using data reduction, data presentation, and conclusion drawing techniques. The results of the study indicate that although MSME financing has increased, Islamic banks still face various obstacles, particularly in the aspects of human resource development and marketing. These obstacles include the lack of an integrated MSME Center, weak mapping and clustering of MSMEs, limited business mentoring, minimal cross-institutional collaboration, and limited MSME involvement in promotional events. These findings indicate that the role of Islamic banks is still predominantly in financial intermediation, not fully implementing its MSME empowerment function comprehensively. Therefore, strengthening institutional and collaborative strategies is key to optimizing the implementation of the Qanun LKS and promoting MSMEs as a main pillar of the Acehnese economy.
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creator: Isnaliana Isnaliana
creator: Rifa Ul Khairi Fachruddin
rights: Copyright (c) 2026 Isnaliana Isnaliana, Rifa Ul Khairi Fachruddin http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-20
publication date: 2026-02-20
starting page: 76
ending page: 93
doi: 10.22373/peqg7n27

Efektivitas Pembiayaan Kredit Usaha Rakyat Mikro Syariah pada Bank Syariah Indonesia Terhadap Pengembangan UMKM di Kota Takengon
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description: Sharia Micro People's Business Credit (KUR) is an interest-free financing program distributed under Islamic principles with the aim of increasing access to capital, competitiveness, and the growth of micro enterprises. This study aims to determine the effectiveness of Sharia Micro KUR financing at Bank Syariah Indonesia (BSI) in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Takengon City. The research method used is descriptive qualitative with a field study approach through interviews, observations, and documentation. The results show that Sharia Micro KUR financing at BSI is quite effective, in terms of target accuracy, timing, financing amount, credit burden, and procedural ease. This financing has significant impacts on increasing income, customer numbers, product quality, and employment absorption. Thus, Sharia KUR in Takengon City plays an important role in strengthening the MSME sector.
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creator: Ihdina Putra
creator: Nevi Hasnita
creator: Ismail Rasyid Ridla
rights: Copyright (c) 2026 Ihdina Putra, Nevi Hasnita, Ismail Rasyid Ridla http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-21
publication date: 2026-02-21
starting page: 136
ending page: 151
doi: 10.22373/xzb0ns60

The Influence of Halal Literacy on Purchasing Decisions of Wardah Products in Banda Aceh City
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description: In this era of globalization, many cosmetic products have emerged whose halal status is unknown. Therefore, it is important to conduct research on halal cosmetic products because halal literacy is still low. This study aims to determine the effect of halal literacy on purchasing decisions for Wardah products in Banda Aceh City. This study uses a quantitative approach with a survey method, where data is collected through questionnaires distributed to consumers who use Wardah products. The sampling method used in this study is probability sampling. Simple random sampling, a probability sampling approach, was applied in this study with a sample size of 100 respondents. The analysis technique used in this study is simple linear regression with the help of SPSS software version 25. The results of this study indicate that halal literacy has a significant influence on purchasing decisions for Wardah products in Banda Aceh City by 0.466 or 46.6%. The higher the consumer's halal literacy, the more likely they are to choose products that meet halal standards.
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creator: Seri Murni
creator: Humaira Aprilia Yusra Humaira
rights: Copyright (c) 2026 Seri Murni, Humaira Aprilia Yusra Humaira http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-20
publication date: 2026-02-20
starting page: 94
ending page: 108
doi: 10.22373/2nkj8y88

Interest in Waqf Among Gen Z: The Role of Technological Literacy and Digital Waqf Innovation
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description: The development of digital technology in the modern era has brought significant changes to various aspects of life, including in the field of Islamic philanthropy such as waqf. Generation Z, as the digital generation, has great potential to drive the development of waqf, particularly through the utilization of technology and digital innovation. This study aims to investigate the influence of Technology Literacy and Digital Waqf Innovation on the Interest in Waqf among Generation Z. The study employs a quantitative approach using multiple linear regression analysis and classical assumption tests, conducted on 100 student respondents. Primary data was collected through an online questionnaire. The results indicate that both Technology Literacy and Digital Waqf Innovation have a positive and significant influence on Interest in Waqf, both partially and simultaneously. The coefficient of determination (Adjusted R Square) value of 58.3% indicates that both independent variables contribute strongly to the dependent variable, while the remainder is influenced by other factors not examined in this study. These findings suggest that enhancing understanding of technology and innovation in the management of digital endowments can stimulate interest in endowments among Generation Z.
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creator: Jalaluddin
creator: Muhammad Fitrah Insani
creator: Khair Juzaili
rights: Copyright (c) 2026 Jalaluddin, Muhammad Fitrah Insani, Khair Juzaili http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-20
publication date: 2026-02-20
starting page: 63
ending page: 75
doi: 10.22373/mchcq260

Pengaruh Kemudahan Fasilitas Perbankan, Gaya Hidup dan Kepuasan Terhadap Penggunaan QRIS Sebagai Alat Pembayaran Digital (Studi Kasus Pada Masyarakat Kutacane, Aceh Tenggara)
type: item
description: This study aims to analyze the influence of Banking Facility Convenience, Lifestyle, and Satisfaction on the Use of QRIS as a digital payment method among the community in Kutacane, Southeast Aceh. The research employed a quantitative approach with a survey method. The sample consisted of 100 respondents who used QRIS, and data were collected through questionnaires. The findings indicate that: (1) Banking Facility Convenience has a significant effect on the use of QRIS (B = 0.268; Sig. = 0.002); (2) Lifestyle also significantly affects the use of QRIS (B = 0.214; Sig. = 0.021); and (3) Satisfaction has the most dominant effect on the use of QRIS (B = 0.352; Sig. = 0.000). Simultaneously, the three independent variables significantly influence the use of QRIS, while the remaining variance is explained by other factors not examined in this study. It can be concluded that Banking Facility Convenience, Lifestyle, and Satisfaction have significant effects, both partially and simultaneously, on the use of QRIS.
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creator: Marwiyati Muhammad
creator: Shafira Melda Latifa
rights: Copyright (c) 2026 Marwiyati Muhammad, Shafira Melda Latifa http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-19
publication date: 2026-02-19
starting page: 45
ending page: 62
doi: 10.22373/qv98bn52

Pengaruh Kepercayaan, Kenyamanan dan Kualitas Layanan terhadap Kepuasan dalam Layanan BYOND by BSI (Studi Pada Pelaku UMKM Kota Banda Aceh)
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description: The purpose of this study is to test the hypotheses and provide empirical evidence on the influence of Trust, Convenience, and Service Quality on Customer Satisfaction in the BYOND by BSI service. This research utilizes primary data collected through questionnaires distributed to MSME (Micro, Small, and Medium Enterprises) actors who are aware of and use the BYOND by BSI service. The sampling method employed in this study is purposive sampling, with a total of 100 MSME respondents. The analytical method used to test the hypotheses is multiple linear regression analysis using SPSS version 22. The results indicate that Trust and Service Quality have a positive effect on satisfaction with the BYOND by BSI service, whereas Convenience does not have a significant positive effect.
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creator: Yulindawati
creator: Eka Octavian Pranata
creator: Raisa Amini Raisa Amini
rights: Copyright (c) 2026 Yulindawati, Eka Octavian Pranata, Raisa Amini http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-19
publication date: 2026-02-19
starting page: 24
ending page: 44
doi: 10.22373/bf0tqj16

Problematika Penerapan Quick Response Code Indonesian Sandard (QRIS) di Aceh (Studi Pada UMKM di Kota Banda Aceh)
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description: The rapid development of information technology, especially FinTech, has led the dominance of digital finance in Indonesia through digital wallet applications and QR Code. QRIS, the non-cash payment standard of Bank Indonesia, facilitates transactions for consumers and merchants. In Banda Aceh UMKM sector, QRIS is growing rapidly, providing transaction facility but also facing challenges. The study aims to find out how the implementation of the Quick Response Code Indonesian Standard (QRIS) in the Small and Medium Small Enterprises (UMKM) sector in Banda Aceh City is problematic by showcasing the mechanisms of QRIS implementation, its positive impact on UMKM, and the challenges faced. The study uses a qualitative approach with descriptive analysis and the number of informants in the study as many as 17 informants. The research finds that while QRIS has a positive impact, there are barriers such as costs, internet connectivity, application technical problems, as well as a lack of customer improvement and benefits for UMKM. Solutions such as cost subsidies, better internet infrastructure, application updates, efficient time transactions between banks, and educational programmes are needed to address these challenges.
subject: Articles
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creator: Israk Ahmadsyah
creator: Jalilah Jalilah
creator: Renail Rozy
rights: Copyright (c) 2026 Israk Ahmadsyah, Jalilah Jalilah, Renail Rozy http://creativecommons.org/licenses/by-sa/4.0
date: 2026-02-19
publication date: 2026-02-19
starting page: 1
ending page: 23
doi: 10.22373/5z3vzk85

Analysis of Sharia Financial Literacy, Self-Control, and Deliberative Thinking on the Financial Behavior of MSMEs in Banda Aceh City
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description: This study aims to investigate the impact of Islamic financial literacy, self-control, and deliberative thinking on the financial behavior of MSMEs in Banda Aceh City. This study uses quantitative data consisting of primary and secondary data. The sample of this study consisted of 108 respondents, obtained using the Hair formula. Data analysis used the multiple linear regression test method. The results of this study indicate that the variables of Islamic financial literacy, self-control, and deliberative thinking partially influence financial behavior. Then, simultaneously, the variables of Islamic financial literacy, self-control, and deliberative thinking influence financial behavior among MSMEs in Banda Aceh City. Therefore, to improve financial behavior among MSMEs, greater emphasis should be placed on Islamic financial literacy, self-control, and deliberative thinking to help foster more responsible financial behavior.
subject: Articles
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creator: Muhammad Rendhie Siregar
creator: Khairil Umuri
creator: Najla Najla
creator: Khoirul Amri
rights: Copyright (c) 2025 Muhammad Rendhie Siregar, Khairil Umuri, Najla Najla, Khoirul Amri http://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-18
publication date: 2025-08-18
starting page: 215
ending page: 230
doi: 10.22373/dt18gb98

Peran CAR, FDR, dan BOPO Terhadap Stabilitas Perbankan dengan NPF Sebagai Pemoderasi pada Bank Umum Syariah 2019-2024
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description: This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Efficiency Ratio (BOPO) on banking stability with Non-Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia during the period 2019–2024. This research uses a quantitative approach with panel data regression methods based on the annual financial statements of Islamic Commercial Banks registered with the Financial Services Authority (OJK). From a population of 14 banks, 10 banks were selected as samples using purposive sampling. The analysis was conducted using multiple regression with the Moderated Regression Analysis (MRA) test. The analytical tool used was EViews 12 software. The results of the study show that CAR has a significant positive effect on bank stability. FDR has a significant positive effect on bank stability. BOPO has a significant negative effect on bank stability. NPF does not moderate the effect of CAR on bank stability. NPF moderates the effect of FDR on bank stability. NPF does not moderate the effect of BOPO on bank stability.
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creator: Dimas Bagus Maolana
creator: Rina Rosia
rights: Copyright (c) 2025 rinarosia rinarosia http://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-19
publication date: 2025-08-19
starting page: 300
ending page: 317
doi: 10.22373/6wkx9c05

Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Penerima Gaji Pensiun Pada Bank Aceh Syariah Cabang Blangpidie
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description: Literasi keuangan mengacu pada kemampuan atau tingkat pemahaman/ pengetahuan seseorang atau masyarakat tentang bagaimana uang bekerja. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan syariah terhadap tingkat kepercayaan masyarakat kecamatan Peukan Baro kabupaten Pidie pada produk perbankan syariah. Penelitian ini menggunakan pendekatan kuantitatif melalui penyebaran kuesioner kepada 100 responden. Hasil penelitian ini menunjukkan bahwa literasi keuangan syariah berpengaruh secara parsial terhadap tingkat kepercayaan pada produk perbankan syariah. Kata Kunci: Literasi Keuangan Syariah, Kepercayaan, Produk Perbankan Syariah
subject: Articles
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creator: Febrina Fatin Hamama
creator: Ismail Rasyid Ridla
rights: Copyright (c) 2025 Ismail Rasyid Ridla http://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-19
publication date: 2025-08-19
starting page: 231
ending page: 251
doi: 10.22373/84ddz253

Promoting Islamic Charitable Donations: Insights from Palembang
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description: This research investigates the impact of influencer marketing and electronic word-of-mouth (eWOM) on Islamic charitable donations in Palembang, Indonesia. Highlighting the significance of zakat, infaq, waqf, and sadaqah, the study employs qualitative methods, including interviews and social media analysis. Findings reveal that authentic influencers enhance trust and drive donor engagement, while eWOM amplifies campaign reach through shared experiences. However, challenges like commercialization and the need for influencer accountability are identified. This research underscores the potential of digital strategies to align with Islamic charitable principles, offering insights for future research and practical applications in promoting Islamic charity.
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creator: Eka Octavian Pranata
creator: M Sajjad
creator: Uliya Azra
creator: Nabila Fadhilah
rights: Copyright (c) 2025 Eka Octavian Pranata, M Sajjad, Uliya Azra http://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-17
publication date: 2025-08-17
starting page: 162
ending page: 174
doi: 10.22373/mgr8yv73

Optimization of MACD Indicator Parameters on the Movement of the Indonesia Sharia Stock Index (ISSI): A Technical Approach Based on Historical Data
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description: The Indonesia Sharia Stock Index (ISSI) has shown steady growth, reflecting rising interest in Sharia-compliant investments. However, technical tools like MACD are still underutilized. This study aims to identify the optimal MACD parameter configuration (i.e., the combination of N1, N2, N3) for ISSI movements in order to generate the highest return with measurable risk. A quantitative-exploratory approach was applied using daily closing data of ISSI from 2013 to 2023. A total of 1,152 MACD parameter combinations were systematically tested using Python simulations and subsequently validated through backtesting with Pine Script on the TradingView platform. The performance of each configuration was evaluated based on cumulative return and Sharpe ratio. The findings show that the MACD configuration of (5, 21, 8) produced a cumulative return of 234% over the ten-year period, significantly outperforming the standard configuration, which yielded only 152%. Moreover, the optimal setup achieved a Sharpe ratio of 1.75, indicating superior investment performance in terms of risk-adjusted returns. Interestingly, most of the top-performing MACD configurations consisted of odd numbers. This may be associated with the five-day weekly trading cycle, in which odd-numbered periods such as 5, 7, or 9 days tend to be more responsive to short-term trend shifts. This pattern appears to align with the psychological rhythm of the relatively stable and orderly Sharia market. The study concludes that adjusting MACD parameters to suit specific market characteristics can significantly enhance the effectiveness of technical analysis and investment strategies.
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creator: Teuku Syifa Fadrizha Nanda
creator: Ana Fitria
rights: Copyright (c) 2025 Teuku Syifa Fadrizha Nanda, Ana Fitria http://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-18
publication date: 2025-08-18
starting page: 175
ending page: 188
doi: 10.22373/5tz46p44

Optimizing Performance: A Dynamic Analysis of Credit Quality, Operational Efficiency, and Their Influence on ROA in Indonesian Islamic Banks
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description: ABSTRACT This study investigates the influence of key financial management strategies on the Return on Assets (ROA) of Islamic Commercial Banks (ICBs) in Indonesia. The analysis explores the direct and indirect effects of Funding Deposit Ratio (FDR) and Non-Performing Financing (NPF) on ROA, with Operational Costs to Operational Income (BOPO) as a mediating variable. The findings reveal a significant influence of FDR on ICB performance. While a higher FDR leads to lower operational costs, it might also be associated with lower profitability due to deposit interest rates. ICBs need to strike a balance between cost-effective deposits and exploring alternative funding sources. While the direct effect of NPF on ROA is unclear, it significantly impacts profitability indirectly through its influence on operational efficiency. Higher NPF levels can lead to increased costs, potentially reducing ROA. Therefore, effective NPF management is crucial for ICBs. The study further emphasizes the importance of managing operational efficiency (BOPO). Lower BOPO, indicating efficient use of operational income, is directly linked to a higher ROA. ICBs should focus on cost-saving measures and optimizing operational processes to improve efficiency and maximize ROA. Overall, the research highlights the critical role of a holistic approach to financial management in ICBs. By effectively managing FDR, NPF, and BOPO, ICBs can achieve a well-balanced funding structure, minimize bad debt risk, and optimize operational efficiency. Keywords: Islamic Banking, Performance, Credit Quality, Operational Efficiency, and Return on Assets.
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creator: Munadiati Munadiati
creator: Alfian Muhammad
creator: M. Yahya
creator: Putri Wulandari
rights: Copyright (c) 2025 Munadiati Munadiati, Alfian Alfian, M. Yahya Yahya, Putri Wulandari http://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-19
publication date: 2025-08-19
starting page: 273
ending page: 299
doi: 10.22373/cz9qkp11

Strategy For Developing MSME Through Sharia Microfinance Institutions
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description: Providing access to financing to Micro, Small and Medium Enterprises (MSMEs) carried out by banking financial institutions and microfinance institutions can have a positive impact on the development of MSMEs. The development of MSMEs can be carried out by offering financing products based on sharia principles. This research aims to determine the strategies and obstacles of LKMS Mahirah Muamalah in helping the development of MSMEs in the City of Banda Aceh. This research uses a qualitative descriptive method with field research data collection through interviews, observation and documentation. The research results show that LKMS Mahirah Muamalah carries out 3 types of strategies, namely: information provision strategy, provision of financing products, and service strategy. Then the obstacles faced by LKMS Mahirah Muamalah are divided into 2, namely intern (There is still a lack of human resources/employees, distribution of financing is still limited), as for extern obstacles: There is still minimal public literacy regarding LKMS, weak understanding and management skills of MSMEs
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creator: Akmal Riza
creator: Muhammad Arifin
creator: Nazar Nazar
rights: Copyright (c) 2025 Akmal Riza, Muhammad Arifin, Nazar Nazar http://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-18
publication date: 2025-08-18
starting page: 206
ending page: 214
doi: 10.22373/ssanfc19

Pengaruh Content Marketing dan Brand Awareness Terhadap Costumer Engagement Ditinjau dari Perspektif Ekonomi Islam
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description: The development of marketing communication has become easier thanks to content marketing and brand awareness strategies, which are widely used by companies. This study aims to analyze the effect of content marketing and brand awareness on customer loyalty of Kopi Memangan in Banda Aceh City from an Islamic economic perspective. The population in this study included all consumers of Kopi Memangan in Banda Aceh City. This research uses quantitative approach. The sample used amounted to 100 respondents with accidental sampling technique. The data analysis technique used is multiple linear regression and hypothesis testing. The results showed that: (1) content marketing and brand awareness simultaneously have a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City; (2) content marketing partially has a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City; and (3) brand awareness also partially has a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City.
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creator: Junia Farma
creator: Zafira Natasyrah
creator: Fithriady Ilyas
rights: Copyright (c) 2025 Junia Farma, Zafira Natasyrah, Zafira Natasyrah, Fithriady Fithriady, Fithriady Fithriady http://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-18
publication date: 2025-08-18
starting page: 189
ending page: 205
doi: 10.22373/arp7wt21

Pengaruh Literasi Keuangan Syariah, Kemudahan, dan Perilaku Konsumtif Terhadap Minat Masyarakat Aceh dalam Menggunakan Fintech Peer To Peer Lending Syariah
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description: Tujuan penelitian ini adalah untuk menguji hipotesis dan memberikan bukti mengenai Pengaruh Literasi Keuangan Islam, Kenyamanan, dan Perilaku Konsumtif terhadap Minat Masyarakat Aceh dalam Menggunakan Fintech Peer-to-Peer Lending Syariah. Penelitian ini menggunakan data primer dengan menyebarkan kuesioner kepada individu yang mengetahui dan menggunakan Fintech Peer-to-Peer Lending Syariah. Metode pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling. Total sampel berjumlah 80 responden. Metode analisis yang digunakan untuk menguji hipotesis adalah analisis regresi linier berganda dengan menggunakan software SPSS 22. Hasil penelitian menunjukkan bahwa Kenyamanan dan Perilaku Konsumtif berpengaruh positif terhadap minat masyarakat, sedangkan Literasi Keuangan Islam tidak berpengaruh positif terhadap minat masyarakat. Tujuan dari penelitian ini adalah untuk menguji hipotesis dan menghasilkan bukti mengenai Pengaruh Literasi Keuangan Syariah, Kemudahan dan Perilaku Konsumtif Terhadap Minat Masyarakat Aceh Dalam Menggunakan Fintech Peer To Peer Lending Syariah. Penelitian ini menggunakan data primer yaitu menyebarkan kuesioner kepada masyarakat yang mengetahui dan menggunakan Fintech Peer To Peer Lending Syariah. Pengambilan sampel yang digunakan dalam penelitian ini yaitu dengan metode Purposive Sampling. Jumlah masyarakat yang menjadi sampel pada penelitian ini adalah 80 responden. Metode analisis yang digunakan untuk menguji hipotesis adalah analisis regresi linier berganda dengan program SPSS 22. Hasil penelitian menunjukkan bahwa Kemudahan dan Perilaku Konsumtif berpengaruh positif terhadap minat masyarakat, tetapi Literasi Keuangan Syariah tidak berpengaruh positif terhadap minat masyarakat.
subject: Articles
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creator: Zikra Amalia
creator: Isnaliana Isnaliana
creator: Muksal Muksal
creator: Eddy Gunawan
rights: Copyright (c) 2025 Zikra Amalia, Isnaliana Isnaliana, Muksal Muksal http://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-19
publication date: 2025-06-19
starting page: 252
ending page: 272
doi: 10.22373/jtpscs14

Analisis Determinan Minat Menabung Aparatur Sipil Negara (ASN) di Kota Banda Aceh Pasca Qanun No.11 Tahun 2018 Tentang Lembaga Keuangan Syariah
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description: Penelitian ini bertujuan untuk menganalisis pengaruh gaya hidup halal dan literasi keuangan Islam terhadap minat menabung masyarakat di bank syariah, dengan fokus pada Pegawai Negeri Sipil (ASN) Pemerintah Kota Banda Aceh. Variabel dependen dalam penelitian ini adalah minat menabung, sedangkan variabel independennya adalah gaya hidup halal dan literasi keuangan Islam. Penelitian ini memanfaatkan data primer yang dikumpulkan melalui kuesioner yang disebarkan kepada 100 responden baik secara langsung maupun online. Analisis data dilakukan dengan menggunakan metode regresi linier berganda dengan bantuan IBM SPSS Statistics 25. Hasil penelitian menunjukkan bahwa gaya hidup halal memiliki pengaruh positif dan signifikan terhadap minat menabung masyarakat di bank syariah. Begitu pula dengan literasi keuangan Islam juga memiliki pengaruh positif dan signifikan terhadap minat menabung. Secara simultan kedua variabel independen ini memiliki pengaruh positif terhadap minat menabung masyarakat. Oleh karena itu, semakin besar adopsi gaya hidup halal, maka semakin tinggi minat menabung di bank syariah. Selain itu, individu dengan literasi keuangan Islam yang baik cenderung memiliki minat menabung di bank syariah yang lebih tinggi.
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creator: Muhammad Yasir Yusuf
creator: Muhammad Miftahul Razaaq
creator: Hafiizh Maulana
rights: Copyright (c) 2025 Muhammad Miftahul Razaaq, Muhammad Yasir Yusuf, Muhammad Yasir Yusuf, Hafiizh Maulana, Hafiizh Maulana http://creativecommons.org/licenses/by-sa/4.0
date: 2025-09-12
publication date: 2025-09-12
starting page: 318
ending page: 342
doi: 10.22373/297fje06

Determinants of Customer Perceptions in Utilizing Mobile Banking in Traditional Society: A Lesson from Aceh
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description: This study aims to determine the effect of service quality, products and promotions on customer perceptions of using mobile banking ACTION on PT. Bank Aceh Syariah Jantho Branch. A Quantitative research method with multiple linear regression analysis using IBM SPSS software version 25 was employed. The results showed that service quality, products and promotions variables positively and significantly affected customer perceptions of using mobile banking ACTION. Customer perceptions of mobile banking ACTION variable can be explained by service quality, products and promotions variables 69,5%, while other variables outside the study might influence the effect. This research is expected to provide insights into the use of mobile banking, particularly ACTION Mobile at Bank Aceh Syariah, and the main factors that may influence customers to utilize this service feature. ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan, produk, dan promosi terhadap persepsi nasabah dalam memanfaatkan mobile banking ACTION di PT. Bank Aceh Syariah Cabang Jantho. Metode yang diterapkan adalah kuantitatif dengan analisis regresi linier berganda menggunakan perangkat lunak IBM SPSS versi 25. Hasil penelitian menunjukkan bahwa variabel kualitas layanan, produk, dan promosi memiliki pengaruh positif dan signifikan terhadap persepsi nasabah dalam menggunakan mobile banking ACTION. Persepsi nasabah terhadap variabel mobile banking ACTION dapat dijelaskan oleh variabel kualitas layanan, produk, dan promosi sebesar 69,5%, sementara variabel lain di luar penelitian ini diduga dapat memengaruhi pengaruh tersebut. Penelitian ini diharapkan dapat memberikan pandangan terkait penggunaan mobile banking, khususnya ACTION Mobile di Bank Aceh Syariah, dan faktor utama yang dapat mempengaruhi nasabah untuk menggunakan fitur layanan ini.
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creator: Riza Aulia Azhary
creator: Shahibul Izar
rights: Copyright (c) 2025 Riza Aulia Azhary, Shahibul Izar
date: 2025-01-31
publication date: 2025-01-31
starting page: 150
ending page: 161
doi: 10.22373/jihbiz.v7i1.28964

PENGARUH MANFAAT, KEMUDAHAN, DAN KEAMANAN TERHADAP MINAT PENGGUNAAN QUICK RESPONSE INDONESIAN STANDARD PADA PELAKU UMKM DI KECAMATAN SAWANG, KABUPATEN ACEH SELATAN.
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description: Interest Perception of Benefits and Ease of Use are important factors in increasing individuals' interest and support for the use of technology. Additionally, there is also the factor of Security, which leads to increased trust among individual customers. This study aims to determine the influence of Benefits, Ease of Use, and Security on the Interest in Using the Quick Response Indonesian Standard among SMEs in the Sawang District, South Aceh Regency. This study uses a quantitative method, and the technique used is simple random sampling. The population used is SMEs in the Sawang District, South Aceh Regency, with a sample size of 100 respondents through questionnaire surveys. The results of multiple linear regression analysis assisted by SPSS showed that partially, the Benefits variable does not affect interest, while the Ease of Use and Security variables have a significant positive effect on interest. However, all three independent variables simultaneously have a positive effect on the Interest in Using the Quick Response Indonesian Standard among SMEs in the Sawang District, South Aceh Regency. Abstrak Persepsi Manfaat dan Kemudahan merupakan faktor penting dalam meningkatkan minat dan dukungan seseorang terhadap penggunaan teknologi. Selain itu terdapat juga faktor Keamanan yang mengarah pada peningkatkan kepercayaan di antara pelanggan individu. Penelitian ini bertujuan untuk mengetahui pengaruh Manfaat, Kemudahan, dan Keamanan Terhadap Minat Penggunaan Quick Response Indonesian Standard Pada Pelaku UMKM di Kecamatan Sawang, Kabupaten Aceh Selatan. Penelitian ini menggunakan metode kuantitatif serta teknik yang digunakan pada penelitian ini adalah simple random sampling. Populasi yang digunakan yaitu pelaku UMKM di Kecamatan Sawang, Kabupaten Aceh Selatan dengan jumlah sampel 100 responden melalui penyebaran kuisioner angket. Hasil olahan regresi linier berganda dibantu SPSS, ditemukan bahwa secara parsial variabel Manfaat tidak berpengaruh terhadap minat, se…
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creator: Salsabilla Alfianti Salja
creator: Ana Fitria
creator: Ismail Rasyid Ridla Tarigan
rights: Copyright (c) 2025 Salsabilla Alfianti Salja, Ana Fitria, Ana Fitria, Ismail Rasyid Ridla Tarigan, Ismail Rasyid Ridla Tarigan
date: 2025-01-14
publication date: 2025-01-14
starting page: 45
ending page: 68
doi: 10.22373/jihbiz.v7i1.23895

Analisis Dana Wadiah Terhadap Kinerja Bank Aceh Syariah
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description: Profitability data analysis is important for stakeholders in assessing company performance as a consideration in making decisions. This research aims to analyze the influence of wadi'ah savings and wadiah current accounts on the profitability of PT Bank Aceh Syariah. The data in this research comes from quarterly financial reports for 2016-2023 and was analyzed using multiple linear regression-OLS. The research results show that wadiah savings and wadiah current accounts partially and simultaneously have a good influence on the performance of Bank Aceh Syariah. These findings have implications for improving sharia financial governance and better bank services. Abstrak Analisis data profitabilitas penting bagi pemangku kepentingan untuk menilai kinerja perusahaan sebagai pertimbangan dalam mengambil keputusan. Penelitian ini bertujuan untuk menganalisis pengaruh tabungan wadi'ah dan giro wadiah terhadap profitabilitas PT Bank Aceh Syariah. Data dalam penelitian ini bersumber dari laporan keuangan triwulan tahun 2016-2023 dan dianalisis menggunakan regresi linier berganda-OLS. Hasil penelitian menunjukkan bahwa tabungan wadiah dan giro wadiah secara parsial dan simultan memberikan pengaruh yang baik terhadap kinerja Bank Aceh Syariah. Temuan ini berimplikasi pada peningkatan tata kelola keuangan syariah dan layanan bank yang lebih baik.
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creator: Evy Iskandar
creator: Isnaliana Isnaliana
creator: Birrul Walidain
rights: Copyright (c) 2025 Evy Iskandar, Isnaliana Isnaliana, Birrul Walidain
date: 2025-01-14
publication date: 2025-01-14
starting page: 100
ending page: 115
doi: 10.22373/jihbiz.v7i1.28622

Kontribusi Pembiayaan Bank Syariah Dalam Pengembangan Usaha Mikro (Studi pada Bank Aceh Syariah KCP Lam Ateuk, Kecamatan Kuta Baro, Aceh Besar)
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description: Micro, Small, and Medium Enterprises (MSMEs) constitute a strategic sector that plays a pivotal role in fostering economic growth. Despite their significance, this sector encounters numerous challenges, particularly in accessing adequate capital. Financing through the banking sector has therefore emerged as a viable solution to address these challenges. This study aims to analyze the contribution of microfinancing provided by Bank Aceh Syariah KCP Lam Ateuk in fostering the development of its clients' businesses. The research employs a qualitative descriptive methodology, drawing on data collected through interviews and documentation. The findings reveal that financing from Bank Aceh Syariah exerts a positive influence on the growth of micro-enterprises. This influence is evident through the provision of business capital, capacity-building initiatives such as education and training, as well as ongoing supervision. These efforts collectively contribute to increased income levels and business advancements among micro-entrepreneurs supported by Bank Aceh Syariah within the region.The insights from this study are intended to serve as a valuable reference for Islamic financial institutions, particularly Islamic banks, in their endeavor to optimize financing distribution and foster the development of the MSME sector. The study emphasizes the importance of comprehensive business mentoring to ensure that financing is allocated efficiently, thereby enhancing the productivity and sustainability of MSMEs." Abstrak Usaha Mikro Kecil dan Menengah merupakan sektor strategis yang berperan penting dalam mendukung perekonomian. Namun, dalam perkembangannya, sektor ini menghadapi berbagai kendala, salah satunya adalah terkait permodalan. Oleh karena itu, adanya akses pembiayaan melalui sektor perbankan merupakan salah satu solusi yang dapat diandalkan untuk membantu permasalahan UMKM. Tujuan penelitian ini adalah untuk mengkaji konstribusi pembiayaan Mikro Bank Aceh Syariah KCP Lam A…
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creator: Jalilah Jalilah
creator: Muhammad Arifin
rights: Copyright (c) 2025 Jalilah Jalilah
date: 2025-01-14
publication date: 2025-01-14
starting page: 81
ending page: 99
doi: 10.22373/jihbiz.v7i1.28314

Alokasi Dana Corporate Social Responsibility (CSR) pada Bank Aceh Syariah Cabang Kota Lhokseumawe
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description: Corporate Social Responsibility (CSR) is a form of contribution aimed at addressing environmental concerns and enhancing community welfare. This study aims to analyze the allocation of CSR funds implemented by PT. Bank Aceh Syariah, Lhokseumawe Branch, in the education sector, economic and entrepreneurial sector, as well as the environmental sector. This research adopts a descriptive qualitative approach, employing data collection techniques such as interviews, observations, and documentation. The findings indicate that PT. Bank Aceh Syariah, Lhokseumawe Branch, has allocated its CSR funds to the education sector, including the development of Dayah infrastructure; the economic and entrepreneurial sector, such as the organization of seminars and Sunday Festivals; and the environmental sector, such as freshwater fish farming. Abstrak Corporate Social Responsibility (CSR) merupakan bentuk dari kontribusi yang mempunyai tujuan untuk memperhatikan lingkungan dan juga kesejahteraan masyarakat. Penelitian ini bertujuan untuk menganalisa pengalokasian dana CSR yang sudah dilaksanakan oleh PT. Bank Aceh Syariah Cabang Kota Lhokseumawe dalam sektor pendidikan, sektor ekonomi dan kewirausahaan, serta sektor lingkungan. Penelitian ini merupakan penelitian kualitatif deskriptif, menggunakan teknik pengumpulan data dengan cara wawancara, observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa PT. Bank Aceh Syariah Cabang Kota Lhokseumawe sudah mengalokasikan dana CSR mereka terhadap Sektor pendidikan seperti pembangunan Infrastruktur Dayah, sektor ekonomi dan kewirausahaan seperti pelaksanaan kegiatan sarasehan dan Ahad Festival, serta sektor lingkungan seperti budidaya ikan air tawar.
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creator: mursalmina mursalmina
creator: Ayumiati Ayumiati
creator: Muhammad Baihaqi Al Hajj
rights: Copyright (c) 2025 mursalmina mursalmina, Ayumiati Ayumiati, Muhammad Baihaqi Al Hajj
date: 2025-01-31
publication date: 2025-01-31
starting page: 116
ending page: 134
doi: 10.22373/jihbiz.v7i1.28658

Transformation of Bank Aceh's Financial Performance: A Comparative Analysis Before and After Sharia Conversion
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description: This study aims to analyze and compare the financial performance of PT Bank Aceh Syariah before and after conversion in 2016, with a research time span from 2009 to 2023. The research method uses a quantitative descriptive approach with financial ratio analysis, namely LDR / FDR, NPL / NPF, ROA, ROE, NIM / NOM, and BOPO. Data were taken from Bank Aceh's quarterly financial statements and analyzed using the Paired Sample t-Test test with the help of Minitab 19 software. The results showed that the conversion had a mixed impact on financial performance. LDR/FDR and NPL/NPF ratios increased, while ROA, ROE, NIM/NOM, and BOPO ratios decreased. These findings indicate that changes in the banking system can have both positive and negative effects, depending on the implementation strategy and external economic conditions. Based on these findings, Bank Aceh Syariah should implement periodic evaluations of the conversion results, strengthen flexible risk management, and improve operational efficiency. This policy is expected to improve long-term financial performance by taking into account market dynamics and changing economic conditions. ABSTRAK Penelitian ini bertujuan menganalisis dan membandingkan kinerja keuangan PT. Bank Aceh Syariah sebelum dan sesudah konversi pada tahun 2016, dengan rentang waktu penelitian dari tahun 2009 hingga 2023. Metode penelitian menggunakan pendekatan deskriptif kuantitatif dengan analisis rasio keuangan, yaitu LDR/FDR, NPL/NPF, ROA, ROE, NIM/NOM, dan BOPO. Data diambil dari laporan keuangan triwulanan Bank Aceh dan dianalisis menggunakan uji Paired Sample t-Test dengan bantuan perangkat lunak Minitab 19. Hasil penelitian menunjukkan bahwa konversi memberikan dampak beragam terhadap kinerja keuangan. Rasio LDR/FDR dan NPL/NPF mengalami peningkatan, sementara rasio ROA, ROE, NIM/NOM, dan BOPO menunjukkan penurunan. Temuan ini mengindikasikan bahwa perubahan sistem perbankan dapat memberikan pengaruh positif maupun negatif, bergantung pada str…
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creator: Alfian Muhammad
creator: Mastura Mastura
creator: Syarfina Hafizah
rights: Copyright (c) 2025 Alfian Muhammad, Mastura Mastura, Syarfina Hafizah
date: 2025-01-31
publication date: 2025-01-31
starting page: 135
ending page: 149
doi: 10.22373/jihbiz.v7i1.28901

ANALYSIS OF CUSTOMER INTEREST AND SERVICE QUALITY IN USE OF MOBILE BANKING ON BANK ACEH SYARIAH KCP KEUTAPANG DUA SERVICE FEATURES
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description: Banking services continue to provide updates and improvements. One of the technological advances in business applications is the mobile banking system. This study aims to determine the quality of service in mobile banking at BAS KCP Keutapang Dua, how customer interest in using mobile banking at BAS KCP Keutapang Dua, and how mobile banking is superior compared to other banking products. This study uses a qualitative method. The results of this study explain that the quality of service in the Action Bank Aceh application is very helpful for customers in making transactions, there are many features that meet transaction needs so that customers can quickly navigate the mobile banking application and there is sophisticated security such as two-step verification and data encryption to protect customer information besides that The advantages of mobile banking are fast and efficient transactions. The implications of this study can improve the quality of Bank services, Develop Features that are More Relevant to Customer Needs, More Appropriate Marketing Strategies, Support Digitalization and Inclusion of Sharia Finance and Provide Feedback for Sharia Regulations and Standards. Abstrak Layanan perbankan terus memberikan pembaharuan dan penyempurnaan. Salah satu kemajuan teknologi dalam aplikasi bisnis adalah sistem mobile banking. Penelitian ini bertujuan untuk mengetahui kualitas layanan mobile banking di BAS KCP Keutapang Dua, bagaimana minat nasabah menggunakan mobile banking di BAS KCP Keutapang Dua, dan bagaimana keunggulan mobile banking dibandingkan produk perbankan lainnya. Penelitian ini menggunakan metode kualitatif. Hasil penelitian ini menjelaskan bahwa kualitas layanan pada aplikasi Action Bank Aceh sangat membantu nasabah dalam bertransaksi, terdapat banyak fitur yang memenuhi kebutuhan transaksi sehingga nasabah dapat dengan cepat menavigasi aplikasi mobile banking dan terdapat keamanan yang canggih seperti seperti verifikasi dua langkah dan enkripsi data unt…
subject: Articles
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creator: Ismuadi Ismuadi
creator: Shahaqkiki Shahaqkiki
rights: Copyright (c) 2025 Shahaqkiki Shahaqkiki
date: 2025-01-14
publication date: 2025-01-14
starting page: 69
ending page: 80
doi: 10.22373/jihbiz.v7i1.26841

FACTORS INFLUENCING INTENTION TO DONATE AT THE MOSQUES USING QRIS IN BANDA ACEH
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description: Charity is one form of generosity that plays an important role in helping those in need. With the advancement of technology, methods of collecting donations (Sadaqah) have also undergone transformation, one of which is through the use of QRIS (Quick Response Code Indonesian Standard). The use of QRIS in charity offers several advantages, such as convenience, transparency, efficiency, and security. Donors can make contributions quickly and practically by simply scanning a QR code using a digital payment application, without the need to carry cash or perform manual bank transfers. This study aims to examine the influence of financial literacy, perception of benefits and perception of ease on the interest in donating at mosques using QRIS among mosque congregants in Banda Aceh City (Study on Mesjid Raya Baiturrahman, Mesjid Oman Al-Makmur, and Mesjid Jamik Unsyiah). The research method used is quantitative with a multiple linear regression model. The primary data was obtained through questionnaires given to the congregants of these mosques. Partial test results show that these three variables; financial literacy, perception of benefits and perception of ease have positive influence on the interest in donating at the mosque using QRIS in Banda Aceh City. The findings offer insight that although QRIS can enhance mosque donations, it is crucial to address financial literacy and comprehension obstacles to optimize its efficacy for the donors. Abstrak Sedekah merupakan salah satu bentuk kedermawanan yang memegang peranan penting dalam membantu mereka yang membutuhkan. Seiring dengan kemajuan teknologi, metode pengumpulan infak (sadaqah) pun mengalami transformasi, salah satunya melalui penggunaan QRIS (Quick Response Code Indonesian Standard). Penggunaan QRIS dalam bersedekah menawarkan beberapa keuntungan, seperti kemudahan, transparansi, efisiensi, dan keamanan. Para donatur dapat memberikan donasi secara cepat dan praktis hanya dengan memproses kode QR menggunakan aplika…
subject: Articles
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creator: Muhammad Arifin
creator: Rachmi Meutia
creator: Ghulaman Zakiiya
rights: Copyright (c) 2025 Muhammad Arifin
date: 2025-01-14
publication date: 2025-01-14
starting page: 30
ending page: 44
doi: 10.22373/jihbiz.v7i1.28208