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All Journal Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan Hikmah Budimas : Jurnal Pengabdian Masyarakat Al-Fikru: Jurnal Ilmiah JCDD Islamic Circle JIFTECH: Journal Of Islamic Financial Technology BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Siregar, Erpiana
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : JIFTECH: Journal Of Islamic Financial Technology

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Phenomenological Study Of Borrower Peer To Peer Lending Students at UIN SYAHADA Padangsidimpuan Hutagalung, Muhammad Wandisyah R.; Siregar, Erpiana; Pohan, Zulhedly
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 (265.007 KB) | DOI: 10.24952/jiftech.v1i2.6699

Abstract

The emergence of the phenomenon of students becoming peer to peer lending borrowers who think that peer to peer lending is a solution for students who cannot access banking to be able to receive loans both to meet needs and capital assistance to start a business. Thus encouraging this research to be aimed at describing the phenomena that exist in the field so that the reasons, experiences and meanings and contents can be interpreted more deeply for UIN SYAHADA Padangsidimpuan students who become peer to peer lending borrowers. This study uses a qualitative descriptive research method with a phenomenological paradigm. Sources of data used in this study is primary data which in data collection is done by in-depth interviews, observation, and documentation. The results of the study found that the reasons for students to become peer to peer lending borrowers were driven by rational factors and emotional factors, and the student's experience while being a peer to peer lending borrower consisted of pleasant experiences and unpleasant experiences, then meaning that students became peer to peer lending borrowers, namely economic meaning The meaning is constructed based on what has been seen, heard, and felt through his experience as a borrower.
Effectiveness of Digital Sharia Pawnshop Services in Increasing The Number of Customers Pegadaian Syariah Alfian, Ian Ian; Siregar, Erpiana
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.v2i2.11040

Abstract

Technology continues to develop, this is proven by technological advances in the form of applications and online transactions. However, not all technology provides convenience and has a positive impact on its users if not handled properly. Therefore, this thesis aims to reveal the effectiveness of the online services provided by Pegadaian Syariah Siringo-ringo through the Pegadaian Syariah Digital Service (PSDS) Application Service in increasing the number of customers. The background to the problem in this research is that errors often occur in applications and services that do not comply with procedures. The data collection method uses qualitative methods with observation, interviews and documentation.The research results show that this application is largely operating according to its intended use, although it is not yet fully effective in facilitating transactions. This application is not really effective in increasing the number of customers because customers still have minimal knowledge regarding the function of this application. Then the increase in the number of customers did not increase too much, but there continued to be an increase every year, be it gold savings customers, pawnshops, etc.
Co-Authors Alfian, Ian ian ARDIANSYAH ARDIANSYAH Arwin Arwin Harahap, Titi Martini Khalijah, Siti Lina Mayasari Siregar MARTINI, TITI Muhammad Ridwan Muhammad Wandisyah Hutagalung Pohan, Zulhedly Sari Siregar, Resi Atna Siregar, Irma Suryani Siregar, Resi Atna Sari