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All Journal Jurnal Widya JIFTECH: Journal Of Islamic Financial Technology Indonesian Research Journal on Education Innovative: Journal Of Social Science Research Jurnal Riset Perbankan Syariah PUBLIDIMAS Community Service Progress
Kadariah, Siti
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Journal : JIFTECH: Journal Of Islamic Financial Technology

 1 
The Impact of Online Loans on The Community Kadariah, Siti
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.v2i1.9718

Abstract

The discussion in this study is related to the impact of online lending. Impact on people who do online-based lenajaman. In connection with that, the approach taken is the study and theories of Islamic banking which discusses the impact, online-based loans. This research is a  field research  (direct research in the field) with a qualitative approach. The data sources used are primary data and secondary data, with data collection techniques through observation, interviews, and documentation.The results showed that the factors that cause people in Sipirok District to make  online-based loans, namely the procedure for borrowing money in online-based applications  are  easier to process and faster disbursement of money. The positive of  online-based loans for  people in Sipirok District is that the procedure for borrowing money in online-based applications is  easier to process and quickly disburse money, and their needs or emergency fund needs can be met quickly. While the negative impact is a deduction of administrative money that reaches 30% of the principal money, and an inhumane way of debt collection to consumers who are in arrears of loan installment payments.
Product Marketing Strategy Muamalat Din (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk Kadariah, Siti; binti Noor Azman, Fathi Khalilah
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.v2i2.10981

Abstract

The purpose of this study is to determine product marketing strategies using Muamalat DIN (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. to find out the obstacles faced by Bank Muamalat Indonesia Tbk KCU Padangsidimpuan in product marketing strategies using Muamalat DIN (Digital Islamic Network). This research is qualitative research with descriptive methods. The subjects of the study were 2 employees and 4 customers. Data collection techniques are obtained from observation, interviews, documentation. While data analysis techniques include data reduction, data presentation, and conclusions. While the technique of checking the validity of data uses triangulation.The results showed that the product marketing strategy uses Muamalat DIN (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan by visiting foundations and the community or prospective customers by conducting direct socialization to introduce products and services available at Bank Muamalat Indonesia Tbk KCU Pangsidimpaun. The obstacle in carrying out marketing strategies from internal factors is the lack of branch offices and crew in marketing strategies while external factors lack customer interest in using it due to age.
Determinants Of Decisions To Use Islamic Bank Mobile Banking Services Saleh, Idris; Kadariah, Siti; Dewi, Indah Purnama
Journal of Islamic Financial Technology Vol 1, No 2 (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 (303.522 KB) | DOI: 10.24952/jiftech.v1i2.6703

Abstract

The facts in the field, there are a number of customers who do not use Mobile Banking services, the problem is that banks have provided services but customers do not use Mobile Banking services and prefer manual transactions. This study aims to determine the effect of perceived ease of use, knowledge, and trust on the decision to use Islamic bank Mobile Banking services. The research discussion relates to banking services, namely services that discuss ease of use, knowledge, trust and decisions to use Islamic bank Mobile Banking services. This research is a quantitative research with multiple linear regression analysis, the data source used is primary data through questionnaires. The population of this study was the Padangsidimpuan community, the sample in this study used an accidental sampling technique, with 98 respondents. knowledge and trust have an influence on decisions to use Mobile Banking services. And simultaneously (F test) ease of use, trust and knowledge have a significant influence on the decision to use Mobile Banking services.Keywords: Determinant, Decision, Mobile Banking Service
Co-Authors Anugrah, Bima Batubara, Rizki Wulanita binti Noor Azman, Fathi Khalilah Camelia, Antis Dewi, Indah Purnama Fadilla, Naila Faransiska, Faransiska Fitrianingsih Fitrianingsih Hidayatul Rezzaini Husniyah, Nisrina Idris Saleh Ketaren, Abednego Lubis, Abdillah Fenorian Muhammad Ridwan Nazli, Putri Nst, M. Kharulipanda Nursaimatussadiya, Nursaimatussadiya Purba, Rakhmawati Riski, Bagus Santoso, Pratiwi Aprilya Saragih, Naumi Salsabillah Sari, Tri Widya Sarwoto Sarwoto, Sarwoto Sepvira, Bulan Siahaan, Rumiris Sinaga, Eka Mayastika Siregar, Satya Pranaja Victor Victor Wahyudi, Dani Agus