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All Journal El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Journal Of Islamic Social Finance Management JIFTECH: Journal Of Islamic Financial Technology Wealth: Journal of Islamic Banking and Finance
Hutagalung, Muhammad Wandisyah R
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences Other

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Journal : JIFTECH: Journal Of Islamic Financial Technology

 1 
Determinants of The Use of The Flip Application on UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan Students Hutagalung, Muhammad Wandisyah R; Elce, Furkan; Lestari, Sry
Journal of Islamic Financial Technology Vol 2, No 1 (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.v2i1.8396

Abstract

Islamic banking study program students who already know the admin fee-free application, but only a few use the admin fee-free application. Even though it is easy and useful, only some students use the flip application, and some students still believe in doing transactions using the flip applicationfeel more comfortable doing transactions directly to the ATM. The formulation of the problem in this study is whether there is a partial and simultaneous effect of ease, benefit, and trust in the decision to use the flip application for students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary State Islamic University Padangsidimpuan.          Objective the research was to determine the effect of convenience, usefulness, trust partially and simultaneously on students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. The theory in this study uses the factors that influence decisions, namely: perceived usefulness, perceived ease of use, attitude, and behavioral intention. This research is a quantitative research, the data source used is primary data and data collection using questionnaires and documentation techniques.The research sample is 89 samples with techniques purposive sampling. The data analysis techniques used in this study are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test (R 2 ), partial test (t test), and simultaneous significant test (F test), multiple linear analysis. The results of the study show that partially the variables of convenience, usefulness and trust influence the decision to use the flip application in students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary Padangsidimpuan State Islamic University. Simultaneously the variables of convenience, usefulness, and trust influence the decision to use the flip application in students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. 
Tokenization of Dinar and Dirham: Potential and Implications in the Islamic Digital Financial System Hutagalung, Muhammad Wandisyah R; Majid, M. Shabri Abd; Harahap, Isnaini
Journal of Islamic Financial Technology Vol 3, No 1 (2024): 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.v3i1.12353

Abstract

In the era of digitalization, the Islamic community faces challenges in integrating modern technology with Shariah principles in financial transactions. This study explores the potential and implications of tokenizing Dinar and Dirham within the Islamic digital financial system. Dinar and Dirham, currencies made of precious metals, can be tokenized using blockchain technology, enabling faster, more secure, and transparent transactions. Tokenization offers benefits such as transparency, security, efficiency, and financial inclusion, which are crucial in Islamic financial principles. However, the main challenges include regulation, Shariah compliance, technological infrastructure, and public awareness and education. Case studies from Dubai and Saudi Arabia demonstrate efforts and successes in asset tokenization. This study concludes that tokenization of Dinar and Dirham has significant potential to address the challenges of digitalization in Islamic finance, but requires collaboration among governments, financial institutions, and communities. Further research is needed to understand the long-term impact and practical application of tokenization in the Islamic financial system. 
From Tradition to Innovation: Tokenizing Dinar and Dirham for the Islamic Digital Economy Hutagalung, Muhammad Wandisyah R; Mairiza, Diany
Journal of Islamic Financial Technology Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i2.14645

Abstract

This research explores the potential and implications of tokenizing Dinar and Dirham in the context of Islamic digital finance, with a focus on the use of blockchain technology to facilitate their integration into the global financial system. The study adopts a qualitative approach, analyzing data derived from scholarly publications, online resources, and case studies from countries like the UAE and Malaysia, which are exploring blockchain-based Islamic currencies. The research examines the fundamental principles of Dinar (gold) and Dirham (silver) as intrinsic-value currencies within Islamic finance, highlighting their alignment with Sharia principles such as transparency, fairness, and the prohibition of riba (interest). Furthermore, the study explores the concept of tokenization, its application in the digital economy, and its potential to offer stable, inflation-free payment solutions.Key findings indicate that tokenized Dinar and Dirham can enhance financial inclusion, promote economic stability, and provide an alternative to volatile fiat currencies. Blockchain technology is identified as an effective platform for supporting these tokenized currencies, ensuring transparency, security, and decentralization in compliance with Sharia law. However, the research also identifies several challenges, including regulatory uncertainties, technological scalability issues, and societal resistance to adopting digital currencies. Drawing on case studies, the research highlights the importance of clear regulatory frameworks, technological advancements, and financial literacy programs to support the widespread adoption of tokenized Islamic currencies.The study concludes with policy recommendations aimed at addressing these challenges, emphasizing the need for a collaborative approach involving regulators, financial institutions, and technology providers. Future research directions include exploring the practical implementation of tokenized Dinar and Dirham and examining consumer behavior and the broader economic impact of these digital currencies. This research contributes to the growing discourse on Islamic digital finance and offers insights into how tokenized Dinar and Dirham can potentially reshape the future of finance in Muslim-majority countries. Keywords: Tokenization, Dinar, Dirham, Blockchain, Islamic Finance, Digital Currency, Sharia Compliance.
Co-Authors Alfadri, Ferri Ana Siregat, Fitria Andri Soemitra Arbanur Rasyid Bella Arisha Bella Arisha, Bella Diany Mairiza Elce, Furkan Ella Zefriani Nasution Fitria Ana Siregat Ismail Pulungan Isnaini Harahap Lestari, Sry Lubis, Fitri Yani Lubis, Wenni Sakinah Majid, M. Shabri Abd Mhd Furqan N, Nofinawati Nasution, Eswin Nofinawati Nofinawati, Nofinawati Nura, Ismail Saparuddin Siregar Zefriani Nasution, Ella