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All Journal JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS
Azhary, Riza Aulia
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Determinants of Customer Perceptions in Utilizing Mobile Banking in Traditional Society: A Lesson from Aceh Azhary, Riza Aulia; Izar, Shahibul
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.v7i1.28964

Abstract

This study aims to determine the effect of service quality, products and promotions on customer perceptions of using mobile banking ACTION on PT. Bank Aceh Syariah Jantho Branch. A Quantitative research method with multiple linear regression analysis using IBM SPSS software version 25 was employed. The results showed that service quality, products and promotions variables positively and significantly affected customer perceptions of using mobile banking ACTION. Customer perceptions of mobile banking ACTION variable can be explained by service quality, products and promotions variables 69,5%, while other variables outside the study might influence the effect. This research is expected to provide insights into the use of mobile banking, particularly ACTION Mobile at Bank Aceh Syariah, and the main factors that may influence customers to utilize this service feature.ABSTRAKPenelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan, produk, dan promosi terhadap persepsi nasabah dalam memanfaatkan mobile banking ACTION di PT. Bank Aceh Syariah Cabang Jantho. Metode yang diterapkan adalah kuantitatif dengan analisis regresi linier berganda menggunakan perangkat lunak IBM SPSS versi 25. Hasil penelitian menunjukkan bahwa variabel kualitas layanan, produk, dan promosi memiliki pengaruh positif dan signifikan terhadap persepsi nasabah dalam menggunakan mobile banking ACTION. Persepsi nasabah terhadap variabel mobile banking ACTION dapat dijelaskan oleh variabel kualitas layanan, produk, dan promosi sebesar 69,5%, sementara variabel lain di luar penelitian ini diduga dapat memengaruhi pengaruh tersebut. Penelitian ini diharapkan dapat memberikan pandangan terkait penggunaan mobile banking, khususnya ACTION Mobile di Bank Aceh Syariah, dan faktor utama yang dapat mempengaruhi nasabah untuk menggunakan fitur layanan ini.
Halal Image in Product Acceptance: A Comparative Study from Muslim Majority and Minority Countries Azhary, Riza Aulia; Rizkina, Nya’ Soraya
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/pxfrbx46

Abstract

The development of Islamic branding and strategic marketing has skyrocketed over the past decades. Islamic branding companies started to expand their targeted market into the non- Muslim majority countries. This research aims to identify the most significant determinants of brand acceptance and rejection, specifically in Islamic branding, by measuring intention to buy as the determinant of buying behaviour. Utilising the extended theory of Ajzen’s Theory of Planned Behaviour, by measuring the 3 factors constructed by the theory (attitude to behaviour, subjective norm, perceived behavioural control) and the halal image determiner, the research examined the correlation between the four independent variables and the intention to buy. Using quantitative methods and an online questionnaire, the paper found that subjective norm and perceived behavioural control are 2 significant determinants of intention to buy. In addition, based on the sample collected, it is to be noted that there is a significant disparity in the perspective of marketing by being a Muslim and a non-Muslim, as the result showed religion as a significant factor for implementing certain marketing strategies.
From Knowledge To Performance: How Financial Literacy And Fintech Drive MSME Growth In Banda Aceh Azhary, Riza Aulia
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 7 No. 1 (2026): 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/pxbxwp28

Abstract

The expansion of MSMEs in Indonesia is crucial for strengthening the national economy, generating employment opportunities, and reducing poverty. Nevertheless, MSMEs face significant challenges, particularly in financial management, accessing funding, and integrating financial technology. In Aceh, despite a growing number of MSMEs, persistent issues such as low financial literacy, restricted access to financing, and minimal adoption of digital payment systems hinder enhancements in business performance. The rise of fintech, particularly Islamic peer-to-peer (P2P) lending and payment gateways, is expected to provide solutions that enhance the financial performance of MSMEs. The objective of this study is to evaluate the hypothesis and provide evidence concerning the influence of financial knowledge, peer-to-peer (p2p) sharia lending, and payment gateways on the financial performance of micro, small, and medium enterprises in Banda Aceh City. This research employs primary data, specifically through the distribution of questionnaires to MSMEs in Banda Aceh City. The sampling technique utilised in this study is purposive sampling. A total of 96 respondents from MSMEs were sampled for this research. The analytical method employed to test the hypothesis is multiple linear regression analysis. The findings indicate that peer-to-peer (p2p) sharia lending and payment gateways have a positive impact on financial performance, whereas financial knowledge does not demonstrate a positive effect on financial performance.
Co-Authors izar, shahibul Rizkina, Nya’ Soraya