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All Journal Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS
Nanda, Teuku Syifa Fadrizha
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Dampak Adopsi QRIS Pada UMKM Sektor Food and Beverage Di Banda Aceh Nanda, Teuku Syifa Fadrizha; Evriyenni; Rahmi
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol. 4 No. 2 (2023)
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.
Optimization of MACD Indicator Parameters on the Movement of the Indonesia Sharia Stock Index (ISSI): A Technical Approach Based on Historical Data Nanda, Teuku Syifa Fadrizha; Fitria, Ana
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/5tz46p44

Abstract

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.
THE EFFECT OF CREDIT RISK AND OPERATIONAL EFFICIENCY ON THE PROFITABILITY OF ISLAMIC BANKS: A COMPARATIVE STUDY OF INDONESIA AND MALAYSIA 2017–2024 Rahmatillah, Siti Kartika; Nanda, Teuku Syifa Fadrizha; Ayumiati, Ayumiati
Journal of Sharia Economics Vol. 6 No. 2 (2025): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v6i2.8370

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh risiko pembiayaan (Non-Performing Financing/NPF) dan risiko operasional (Biaya Operasional terhadap Pendapatan Operasional/BOPO) terhadap kinerja keuangan perbankan syariah yang diukur dengan Return on Assets (ROA). Objek penelitian mencakup empat bank syariah, yaitu Bank Muamalat Indonesia, Bank Mega Syariah, Maybank Islamic Berhad, dan CIMB Islamic Berhad dengan periode observasi 2017–2024, yang meliputi pra-pandemi, masa pandemi COVID-19, dan pemulihan pasca-pandemi. Metode penelitian menggunakan pendekatan kuantitatif komparatif dengan data sekunder berupa laporan keuangan triwulanan. Analisis dilakukan dengan regresi data panel melalui EViews 12, uji F, uji t, serta uji beda antarbank. Hasil penelitian menunjukkan bahwa secara simultan NPF dan BOPO berpengaruh signifikan terhadap ROA dengan koefisien determinasi sebesar 71,44%. Secara parsial, NPF tidak berpengaruh signifikan terhadap ROA, sementara BOPO berpengaruh negatif signifikan. Uji beda mengungkapkan adanya perbedaan signifikan pada rata-rata NPF, BOPO, dan ROA antara bank syariah di Indonesia dan Malaysia. Bank syariah Indonesia lebih sensitif terhadap risiko pembiayaan, sedangkan bank syariah Malaysia lebih dipengaruhi oleh efisiensi operasional. Temuan ini menegaskan bahwa BOPO merupakan variabel paling dominan dalam menjelaskan variasi ROA, sedangkan pengaruh NPF relatif terbatas. Implikasi penelitian ini menekankan pentingnya peningkatan efisiensi operasional dan manajemen biaya untuk memperkuat profitabilitas bank syariah di kawasan ASEAN.
Co-Authors Ana Fitria Ayumiati, Ayumiati Evriyenni Rahmatillah, Siti Kartika Rahmi