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All Journal Istinbath: Jurnal Hukum dan Ekonomi Islam JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JURNAL ILMIAH GLOBAL EDUCATION JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Jurnal Bisnis Kompetitif Al-Iqtishad ZONA: Jurnal Pengabdian Masyarakat JPS (Jurnal Perbankan Syariah)
Hendrawan, Yoni
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Perceptions of Customers Toward Business Capital Financing Provided by Bank Syariah Indonesia (BSI) in West Aceh Regency Salma, Salma; Hendrawan, Yoni; Rinaldi, Mikhral
Jurnal Ilmiah Global Education Vol. 6 No. 4 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i4.4351

Abstract

This study seeks to examine customer opinions of Bank Syariah Indonesia (BSI) business capital finance in West Aceh Regency. This study employs a qualitative methodology utilising in-depth interviews with seven informants purposefully recruited from diverse business sectors. The results indicate that most customers have a positive perception of BSI’s financing, particularly regarding procedural ease, contract transparency, flexible installment tenors, and positive impacts on business growth. However, varied experiences were found concerning post-disbursement services. The discussion connects these findings with the Theory of Planned Behavior and prior studies, emphasizing that positive perceptions are shaped through the integration of functional, procedural, and relational dimensions. This study concludes that BSI’s financing model represents a participatory and contextual application of Islamic finance and offers strategic implications for strengthening service models based on local values.  
MANAJEMEN ASET DAN HUTANG DALAM BANK SYARIAH Andira, Agung Putra; Sitinjak, Marnala; Pendi, Irwansyah; Hendrawan, Yoni
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 3 (2025): aktor Penentu Minat Pembelian, Kinerja Karyawan, dan Pengelolaan Hubungan Pelangg
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i3.2614

Abstract

This study uses desk research methodology to examine asset and liability management in Islamic banks. The main objective of this study is to understand the principles and mechanisms of asset and liability management, the differences between Islamic banks and conventional banks, the workings and efficiency of asset and liability management, and the risks and difficulties faced by Islamic banks. The research findings show that Islamic banks handle assets and liabilities in accordance with sharia principles such as the prohibition of usury and over- speculation, using sharia channels such as murabahah, mudarabah, and ijarah. The differences with conventional banks are mostly found in the operational and revenue streams. Islamic banking generally aims to achieve optimal efficiency in managing assets and liabilities, despite various risks and challenges such as adverse economic conditions and conflicts with conventional banks. Therefore, the management of assets and liabilities in Islamic banks has unique characteristics that necessitate the development of specialized lending strategies to achieve stability and efficiency. Keywords: Asset Management, Debt Management, Islamic Banks, Conventional Banks, Efficiency, Risks, Challenges, Sharia Principles.
Customer Understanding of Fiat Money in BSI’s Hajj Savings with Mudharabah Contract in West Aceh Fitriana; Muliza; Hendrawan, Yoni
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2905

Abstract

Purpose - This study aims to examine the level of customer understanding of the use of fiat money in BSI Hajj savings with mudharabah contracts. Methods - The method used is quantitative with data analysis using univariate analysis. The results of the study indicate that Hajj savings customers in West Aceh have a good understanding regarding the use of fiat currency in Hajj savings using mudharabah contracts at BSI in West Aceh. Findings - The level of customer understanding of the use of fiat money in Hajj savings using mudharabah contracts at BSI in West Aceh is that those with elementary/secondary education are 3.9 and those with higher education are 4.00, this difference is very small (0.1/2.5%), this is in accordance with the results of the t-test which shows a sig. (2-tail) value of 0.122 > 0.05. The results of the t-test explain that there is no significant difference in the understanding of customers with low/medium education and customers with higher education. Implications - This study provides implications that the knowledge of Hajj savings customers about the legal status of the use of fiat money is very important for the perfection of the Hajj pilgrimage.
Customer Perception of the Use Application Sharia Pawnshops Reviewed from Age Groups: A Study at the Meulaboh Branch of Sharia Pawnshops Irayana, Rizka; Rinaldi, Mikhral; Hendrawan, Yoni
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 5 (2025): Dinasti International Journal of Economics, Finance & Accounting (November - De
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i5.5364

Abstract

This study aims to analyze customer perceptions of the use of the Sharia Pawnshop application, focusing on the differences between the young age group (18-35 years) and the elderly age group (over 50 years) at the Sharia Pawnshop Branch in Meulaboh. The digital transformation in Sharia financial services has changed the way the community accesses services; however, the adoption of this digital application shows significant differences based on age. The research method used is descriptive qualitative, with data collection through semi-structured interviews and direct observation of 23 customers. The results indicate that younger customers tend to be more positive and active in using the application, utilizing features such as online pawn booking and installment payments. In contrast, elderly customers show high resistance, attributed to limited technological knowledge and concerns about data security. Support from staff in the digitalization process has proven to be crucial in bridging the existing digital divide. This study emphasizes the need for an educational and inclusive approach in digital transformation so that all age groups can benefit from Sharia financial services in the digital era. The findings are expected to provide strategic recommendations for the Sharia Pawnshop in designing more adaptive and inclusive services.
Co-Authors & Jalaluddin, Asra Febriani Abadi, Khairul Adila, Monica Alam, Tahjul Ali muhajir, Ali Ananda, M. Aditya Andira, Agung Putra Anggraini, Reska Aji Ansari, Putri Ardiana, Wirda ASRIL ASRIL Ayu, Putri Azhar, Zahroel Bahrizal Bahrizal Erick, Benni Fika Puspita, Dela Fitri, Rozatul Fitriana Harahap, Khairunnisa Heriyanto Heriyanto Irayana, Rizka Julimas, Alovin Leo Kamelya, Vitrah Maidar, Maidar Mainan, Cut Muhammad Iqbal Mukhsinin, Iqbal Muliza Munanda, Faddil Nasrullah Nasrullah Nazaruddin, Saiful Nurita, Cut Nurwijayanti Pendi, Irwansyah Rianda, Cut Nova rinaldi, mikhral Rita Sari Rosa, Virda Rosdiana Rosdiana Salma Salma Sitinjak, Marnala Tanzila, Ridha Taufiq Taufiq Yongna, Icha Zulfarhan, Zulfarhan