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All Journal EQIEN - JURNAL EKONOMI DAN BISNIS Al-Kharaj: Journal of Islamic Economic and Business Community Development Journal: Jurnal Pengabdian Masyarakat Journal Of Islamic Social Finance Management Yurisprudentia: Jurnal Hukum Ekonomi JIFTECH: Journal Of Islamic Financial Technology Innovative: Journal Of Social Science Research Journal of Modern Islamic Studies and Civilization
Aini, Ihdi
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Journal : JIFTECH: Journal Of Islamic Financial Technology

 1 
Online Shop Transaction Analysis View From Sharia Compliance (Case Study Of Faculty Students Economy And Business Islam Iain Padangsidimpuan ) Hutagalung, Muhammad Wandisyah; Aini, Ihdi; Damisah, Arti; Harahap, Nazmi Darmawanti
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (718.895 KB) | DOI: 10.24952/jiftech.v1i1.5023

Abstract

This research is motivated by the many occurrences of incompatibility of goods ordered with those sent in online shop transactions among students of the Islamic Banking Study Program FEBI IAIN Padangsidimpuan. So the purpose of this study is to find out the perceptions of students of the Islamic Banking Study Program FEBI IAIN Padangsidimpuan about online shops , the form of online shop practice for students of the Islamic Banking Study Program FEBI IAIN Padangsidimpuan, and the concept of online shop seen from fiqh . This research uses descriptive qualitative analysis method . Sources of data used are primary data and secondary data, these data were obtained from information researchers by using direct interviews with research subjects. While the data analysis technique uses data reduction, data presentation, and drawing conclusions. From the results of the study, it can be seen that the perceptions of students of the Islamic Banking Study Program FEBI IAIN Padangsidimpuan about online shop transactions has both positive and negative sides. The positive side can make it easier for students to make buying and selling, save time, energy, can be done using a smartphone . While the negative side is shopping online , not being able to try the goods directly, incurring shipping costs, delays in delivery times, and rampant fraud.Keywords: Buying and Selling, Online Shop, As-Salam
Fintech Lending: Threat or Opportunity for Sharia Bank In Indonesia? Aini, Ihdi; Asmadia, Tezi; Agusti, Netta
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.9769

Abstract

Data on the percentage of financing distribution to sharia banks in Indonesia in the last 5 years has experienced quite slow growth compared to the percentage of loan distribution by fintech lending which has experienced very significant growth, reaching 2,390.4% from 2018 to February 2023. The literature shows that there are two opposing views regarding the influence of fintech lending on banking. On the one hand, fintech plays an important role in increasing financial inclusion, while on the other hand fintech also has a major impact on the financial services industry. The aim of this research is to examine the influence of fintech lending on financing at Islamic banks in Indonesia and to analyze the impact of fintech lending on Islamic banks in Indonesia. This study uses a quantitative approach. The type of data used is secondary data taken from the official website of the Financial Services Authority (OJK) in the form of statistical data on sharia banks and fintech lending. The number of samples used was 60 financial report data obtained from sample selection through purposive sampling. The data analysis technique uses descriptive statistical analysis with a linear regression analysis model. The results of this research show that 88.9% of fintech lending has an influence on sharia bank financing in Indonesia. In the sense that fintech lending companies exist as complements or complements to sharia banks in providing financial loans to the public, therefore fintech lending can be an opportunity for collaboration for the sharia banking industry in Indonesia. This collaboration can be carried out using several patterns or models, including cooperation through cross-selling schemes, channeling, references, shadow investors, outsourcing platforms and fintech consortiums.
Co-Authors Agusti, Netta Asmadia, Tezi atika Azhari Akmal Tarigan Damisah, Arti Enghariano, Desri Ari Fauzi, Rama Dika Harahap, Darwis Harahap, Hawanisa Harahap, Nazmi Darmawanti Hasibuan, Reni Ria Armayani Marliyah, Marliyah Muhammad Wandisyah Hutagalung Nia Handayani Nofinawati Nofinawati, Nofinawati Rosnani Siregar, Rosnani Sagita, Noni Sugianto Sugianto