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All Journal JIMEBIS BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Teuku Syifa Fadrizha Nanda
Universitas Islam Negeri Ar-Raniry
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Dampak Adopsi QRIS Pada UMKM Sektor Food and Beverage Di Banda Aceh Teuku Syifa Fadrizha Nanda; Evriyenni; Rahmi
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 4 No. 2 (2023): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v4i2.435

Abstract

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.
Likuiditas, Kecukupan Modal, dan Suku Bunga sebagai Determinan Profitabilitas Bank Syariah: Studi Perbandingan antara BCA Syariah dan BTPN Syariah periode 2015-2025 Zahratun Naura; Ana Fitria; Teuku Syifa Fadrizha Nanda
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10953

Abstract

This study aims to analyze the impact of liquidity, capitas adequacy, and monetary policy rate on profitability at two Islamic banks with different business models and market segments, namely BTPN Sharia and BCA Sharia during the 2015-2025 period. A quantitative comparative research design was employed, utilizing multiple linear regression analysis. The data analyzed consist of is secondary data sourced from official publications of the Financial Service Authority and Central Statistics Agency. The results of this study indicate that BTPN Sharia has significant positive effect of liquidity, the positive insignificant effect of capital adequacy, and negative significanly effect of monetary policy rate on profitability. Whereas at BCA Sharia, liquidity has a significant negative effect on profitability, insignificant negative effect of capital adequacy, and positive insignificant effect of monetary policy on profitability. These results indicate that liquidity, capital adequacy, and monetary policy rate as determinant of profitability varies based on the characteristics of each institution.
Co-Authors Ana Fitria Evriyenni Rahmi Zahratun Naura