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All Journal Jurnal Akuntansi Muhammadiyah Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Ismail Rasyid Ridla Tarigan
Universitas Islam Negeri Ar-Raniry
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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PENGARUH MANFAAT, KEMUDAHAN, DAN KEAMANAN TERHADAP MINAT PENGGUNAAN QUICK RESPONSE INDONESIAN STANDARD PADA PELAKU UMKM DI KECAMATAN SAWANG, KABUPATEN ACEH SELATAN. Salja, Salsabilla Alfianti; Fitria, Ana; Tarigan, Ismail Rasyid Ridla
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.23895

Abstract

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.AbstrakPersepsi 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, sedangkan variabel Kemudahan dan Keamanan berpengaruh positif signifikan terhadap minat. Akan tetapi ketiga variabel bebas tersebut secara simultan berpengaruh positif Terhadap Minat Penggunaan Quick Response Indonesian Standard Pada Pelaku UMKM di Kecamatan Sawang, Kabupaten Aceh Selatan. Penelitian ini diharapkan bermanfaat bagi akademisi sebagai referensi, bagi pelaku usaha untuk memahami pentingnya QRIS, dan bagi pemerintah untuk mengevaluasi kebijakan pembayaran digital.
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH BERSUBSIDI SYARIAH PADA BANK ACEH SYARIAH CABANG JEURAM Ridla Tarigan, Ismail Rasyid; Zahidi, Mohd; Ahmadsyah, Israk
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25551

Abstract

Risk in Subsidized Home Ownership Financing occurs when customers have difficulty paying financing due to irregular income. Therefore, the longer the financing period, the risk borne by the bank will increase. This study aims to analyze the application of risk management in preventing potential losses due to the large number of customers with irregular income. The method used is qualitative with a descriptive approach. Researchers used two data sources, namely primary data and secondary data. The results showed that the house could be built after going through the mechanism established by Bank Aceh Syariah Jeuram Branch. The application of risk management is carried out by analyzing 5C + 1S (Character, Capacity, Capital, Collateral, Condition of economy, and Sharia Compliance) due to differences in payment mechanisms and income receipts between customers with fixed and irregular income. Obstacles occur when Subsidized PKR customers want to apply for financing without meeting the requirements or do a murabaha contract before the house is ready to be occupied, so the bank needs to explain transparently so that risk management runs smoothly. Thus, overall risk management at Bank Aceh Syariah is in accordance with the DSN-MUI fatwa which is supervised by the Sharia Supervisory Board.
PENGARUH KUALITAS PELAYANAN DAN PENANGANAN KELUHAN TERHADAP LOYALITAS NASABAH BANK SYARIAH INDONESIA CABANG BANDA ACEH DAUD BEUREUEH 2 Tarigan, Ismail Rasyid Ridla; Hasnita, Nevi; Pelin, Binti Mas
Jurnal Akuntansi Muhammadiyah (JAM) Vol 13, No 1 (2023): Edisi Januari - Juni 2023
Publisher : University Muhammadiyah Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37598/jam.v13i1.1781

Abstract

Loyalitas merupakan sebuah komitmen yang kuat seseorang terhadap produk atau jasa suatu perusahaan yang bertahan dalam jangka panjang. Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan dan penanganan keluhan terhadap loyalitas nasabah Bank Syariah Indonesia Cabang Banda Aceh Daud Beureueh 2. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis Regresi linear berganda untuk membuktikan hipotesis. Hasil penelitian menunjukkan kualitas pelayanan sebesar 1,414 < 1,984 dan penanganan keluhan sebesar 6,328 > 1,984. Artinya secara parsial kualitas pelayanan tidak memiliki pengaruh terhadap loyalitas nasabah, sedangkan variabel penanganan keluhan berpengaruh positif terhadap loyalitas nasabah. Secara simultan kualitas pelayanan dan penanganan keluhan diperoleh sebesar 58, 739 > 1,984, secara bersama-sama berpengaruh terhadap loyalitas nasabah.
ANALISIS PERSEPSI PEGAWAI NEGERI SIPIL TERHADAP PRODUK TABUNGAN BANK SYARIAH (STUDI KASUS PADA KANTOR KEMENTERIAN AGAMA KABUPATEN ACEH SELATAN) Cahyani, Aprilla; A, Ayumiati; Tarigan, Ismail Rasyid Ridla
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 1 No. 1 (2020): 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.v1i1.109

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana persepsi pegawai negeri sipil di kantor Kementerian Agama kabupaten Aceh Selatan terhadap produk tabungan bank syariah. Penelitian ini menggunakan metode kualitatif dan menggunakan model snowball sampling. Teknik Pengumpulan data melalui wawancara, observasi, dan dokumentasi dan teknik analisis data dengan tahap reduksi data. Hasil pada penelitian ini menunjukkan bahwa sebagianbesar PNS hanya sekedar menggunakan produk tabungan bank syariah untuk rekening penerimaan gaji dan belum memahami dan mengetahui produk tabungan syariah yang mereka gunakan. Namun, mereka merasa tentram menabung di bank syariah karena dirasa telah terlepas dari riba.
Pengaruh Kualitas Pelayanan dan Biaya Administrasi Terhadap Kepuasan Nasabah Tabungan Faedah Pada BRI Syariah Cabang Banda Aceh Yulindawati; Ridla Tarigan, Ismail Rasyid; Ferdian, Aan Muhammad
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 3 No. 1 (2022): 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.v3i1.252

Abstract

This study was conducted to determine the effect of the influence of service quality and administrative costs on customer satisfaction. The study at BRI Syariah Kc Banda Aceh. This research method uses quantitative methods with data collection techniques through distributing questionnaires to 100 respondents, namely Tabungan Faedah customers. The results showed that: (1)Service quality had a positive and significant effect on customer satisfaction at Bank BRI Syariah KC Banda Aceh. (2)Administrative costs have a positive and significant effect on customer satisfaction at Bank BRI Syariah KC Banda Aceh. (3)Service Quality and Administration Costs simultaneously have a significant effect on customer satisfaction
The Effect Of Promotion, Service Quality And Administration Of Voting Interest Sharia People's Business Credit In PT. Pegadaian Syariah Manyang, Cut Merah; Usman, Ismuadi; Tarigan, Ismail Rasyid Ridla
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 2 (2024): 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/gx8d2w50

Abstract

The Influence of Promotion Factors, Service Quality and Administration on Customer Interest in Choosing Sharia People's Business Credit (KUR) Products at PT. Pegadaian Syariah Banda Aceh City. The purpose of this study is to analyze the influence of these factors on customer interest in using the People's Business Credit (KUR) product. This study employed a quantitative method, utilizing primary data sources and a questionnaire-based data collection technique distributed through simple random sampling, targeting active customers who have chosen the People's Business Credit (Kredit Usaha Rakyat, KUR) products at PT. Pegadaian Syariah, Banda Aceh. The sample consisted of 85 respondents, and multiple linear regression analysis was used to test the hypotheses. The results of the multiple linear regression analysis assisted by SPSS, found that partially the service quality variable has a significant positive effect on customer interest, while the promotion and administration variables do not affect customer interest. However, the three independent variables simultaneously have a positive effect on Customer Interest in Choosing Sharia People's Business Credit (KUR) Products at PT. Pegadaian Syariah Banda Aceh City.
Generation Z And Sharia Finance: UIN Ar-Raniry Students' Perceptions Of Bank Indonesia's Savings Products Isnaliana, Isnaliana; Tarigan, Ismail Rasyid Ridla; Maulana, Andri
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 6 No. 1 (2025): 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/vzf28h48

Abstract

In the current digital era, students are increasingly dependent on Islamic bank savings products to meet their daily transaction needs. Although in general students are satisfied with one savings product, dissatisfaction with the product they have encourages them to open an account at another sharia bank. This shows that product and service quality is the main factor in choosing savings products for students. The aim of this research is to determine the perceptions of students at the Islamic Economics and Business Faculty of UIN Ar-Raniry towards Bank Syariah Indonesia savings products. This research method uses qualitative, with interview and documentation techniques. The results of the perception research are based on three aspects: 1) The assessment aspect, some students gave an assessment while using Bank Syariah Indonesia's savings products as very good. 2) In the response aspect, the majority of students agree and are greatly helped by the presence of Bank Syariah Indonesia savings products in the student environment. 3) Opinion aspect, all students stated that Bank Syariah Indonesia's savings products were very relevant to what was needed, both internal and external needs.
Pengaruh Kemudahan, Keamanan, dan Fitur Layanan Terhadap Minat Pelaku UMKM Dalam Menggunakan Mobile Banking Bank Syariah Indonesia di Kota Banda Aceh Siti Humairah-DJ; Ismail Rasyid Ridla Tarigan; Ismail Nura
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i8.12535

Abstract

The digital transformation of Islamic banking has encouraged Micro, Small, and Medium Enterprises (MSMEs) in Banda Aceh to shift from conventional transactions to mobile banking services, however, the use of mobile banking remains limited despite the availability of access and facilities. The need for efficient transactions via mobile banking is becoming increasingly urgent as the digital transformation accelerates, yet many MSMEs persist with conventional methods and believe that the applications cannot be used optimally. This study analyzes the extent to which ease of use, security levels, and service feature quality influence MSME operator’s interest in utilizing Bank Syariah Indonesia’s mobile banking services, particularly in Banda Aceh. The study will employ a quantitative approach using purposive sampling, collecting primary data through a questionnaire distributed to 100 respondents, and applying multiple analysis methods with the assistance of IBM SPSS Version 31. The results of the study show that, individually, ease of use and service features have a significant influence on the interest in using Bank Syariah Indonesia’s mobile banking. Conversely, security aspects do not show a significant influence on the interest in using the service. Collectively (simultaneously), these three variables significantly influence the interest in using Bank Syariah Indonesia’s mobile banking in Banda Aceh.
Co-Authors A, Ayumiati Aan Muhammad Ferdian Ana Fitria Aprilla Cahyani Ayumiati, Ayumiati Azharsyah Ibrahim Binti Mas Pelin Cahyani, Aprilla Ferdian, Aan Muhammad Hasnita, Nevi Ismail Nura Isnaliana Isnaliana Israk Ahmadsyah Jihan Adiba Ginting Manyang, Cut Merah Maulana, Andri Mukhtisar Mukhtisar Pelin, Binti Mas Rahmat Aulia Rahmi, Fajri Salja, Salsabilla Alfianti Siti Humairah-DJ Usman, Ismuadi Yulindawati Yulindawati Yulindawati Zahidi, Mohd