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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan At-Taradhi: Jurnal Studi Ekonomi Laa Maisyir Jurnal Ekonomi Islam JEA17: Jurnal Ekonomi Akuntansi Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL MANAJEMEN BISNIS Al-Kharaj: Journal of Islamic Economic and Business Mahaguru: Jurnal Pendidikan Guru Sekolah Dasar Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences INTELEKTIVA JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen EKSYA: Jurnal Ekonomi Syariah Jurnal Akuntansi dan Keuangan Jurnal Ilmiah Mahasiswa Raushan Fikr Economic Reviews Journal Transformasi: Journal of Economics and Business Management Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi JAKBS Jurnal Riset dan Inovasi Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Liberosis: Jurnal Psikologi dan Bimbingan Konseling El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Ekonomi Bisnis dan Kewirausahaan Journal of Sharia Business Management Journal of Ekonomics, Finance, and Management Studies International Journal of Islamic Business Management
NUR AHMADI BI RAHMANI
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Faith, Trust, and Service: A Socio-Cultural Analysis of Sharia Insurance Quality in Medan Muhammad Fauzan; Nur Ahmadi Bi Rahmani; Nursantri Yanti
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 1 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i1.13481

Abstract

The Islamic insurance industry continues to grow in response to increasing public awareness of finance based on Islamic principles. This study evaluates the service quality of the Sharia insurance provider AJB Bumiputera 1912, Medan Branch, using the Servqual method. Servqual assesses the gap between customer expectations and perceptions across five key dimensions: Tangibles, Reliability, Responsiveness, Assurance, and Empathy. Employing a descriptive quantitative approach, data were collected through questionnaires distributed to 104 respondents. The analysis involved validity and reliability testing, followed by Servqual calculations. The results reveal that the overall service quality of AJB Bumiputera 1912 Medan Branch meets customer expectations, with an average positive gap of 1.6%. The Tangibles dimension yielded the highest satisfaction level, with a gap of 3%, while the remaining dimensions exhibited relatively minor discrepancies. These findings indicate that the branch provides a high standard of service, yet continuous improvement is essential to further narrow the gap between customer expectations and actual service delivery. Ongoing service quality evaluations are recommended to enhance the company’s competitive edge within the Sharia insurance sector
ANALISIS EFEKTIVITAS KEMUDAHAN PENGGUNAAN MOBILE BANKING MUAMALAT DIN (DIGITAL ISLAMIC NETWORK) PADA GENERATION Z (ZOOMER) (STUDI KASUS BANK MUAMALAT KCP SERDANG) Humairah Hajijah; Atika; Nur Ahmadi Bi Rahmani
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 1 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i1.13612

Abstract

This study aims to evaluate the usability and user satisfaction of the Muamalat DIN Mobile Banking application among Generation Z, a cohort widely recognized as digital natives. The primary focus lies in assessing the effectiveness of the application’s features in addressing the demands of digital Islamic banking transactions. Employing a descriptive qualitative approach, data were gathered through in-depth interviews, field observations, and document analysis. The findings indicate that the application demonstrates a high level of user-friendliness, ensures transaction security, and adheres to the principles of Shariah-compliant finance. Nonetheless, to sustain user engagement and strengthen loyalty among younger generations, continuous enhancement of features and service quality emerges as a strategic imperative
Evaluation of the Effectiveness of the Implementation of Sharia Principles in Multi-Purpose Financing Products ( PMG ) for State Civil Apparatus ( ASN ) at Bank Sumut Syariah Zuhrani Gumas Damanik; Tri Inda Fadhila Rahma; Nur Ahmadi Bi Rahmani
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2846

Abstract

This study evaluates the effectiveness of Islamic-principle implementation in the Multi-Purpose Financing (PMG) product at Bank Sumut Syariah’s Marelan Raya sub-branch, focusing on Civil Servant (ASN) customers. Employing a qualitative case-study approach, data were gathered through in-depth interviews with the branch head, analysis of internal policy documents, and a customer-satisfaction survey. Findings reveal that the murabahah contract, strictly supervised by the Sharia Supervisory Board and supported by internal audits and structured risk governance, achieves full compliance with the prohibitions of riba, gharar, and maysir; this is reflected in a low Non-Performing Financing (NPF) rate (≈1.8 %) and high customer satisfaction (75 % satisfied, 20 % moderately satisfied). Nevertheless, limited Islamic-finance literacy, perceptions of administrative bureaucracy, and competition from conventional products remain significant challenges. Intensive education, process digitalization, and competitive feature innovation are recommended to boost market penetration and strengthen customer trust. The findings affirm that Bank Sumut’s sharia PMG not only complies with Islamic principles but also delivers economic benefits and a sense of justice to the ASN segment.
The Influence Of Financial Literacy And Lifestyle On The Ability To Pay Spaylater Among Gen Z Tambunan, Sagdiyah Fitri Andani; Nur Ahmadi Bi Rahmani; Aqwa Naser Daulay
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7664

Abstract

This study aimed to analyze the influence of financial literacy and lifestyle on SPaylater repayment capacity among Generation Z residing in Medan. The research method used was an associative quantitative survey approach, involving 100 participants selected using a purposive sampling technique. The research findings indicate that financial literacy has a significant positive impact on respondents' capacity to fulfill SPaylater payment obligations. Furthermore, lifestyle also makes a significant positive contribution to this payment capacity. These two variables, both individually and collectively, have been shown to significantly contribute to explaining variations in Generation Z's ability to fulfill digital payment obligations. These findings emphasize the importance of improving financial literacy and adopting a better and wiser lifestyle so that the younger generation can better manage their finances in the face of the development of digital financial services such as SPaylater.
The Effect of Inflation and Gold Prices on the Performance of Gold Pawn Products at PT Bank Syariah Indonesia Harahap, Febri Khairani; Sugianto; Nur Ahmadi Bi Rahmani
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2738

Abstract

This study aims to explain the effect of inflation and gold prices on the performance of gold pawn products at Bank Syariah Indonesia. The theory used in the research model is the performance theory. The data used in this study are secondary data obtained from the financial statements of Bank Syariah Indonesia, as well as macroeconomic data related to the inflation rate collected from Bank Indonesia and gold prices inputted from Antam via the official website. The results of the study indicate that inflation does not affect the performance of gold pawn products. Gold prices have a significant positive effect on the performance of gold pawn products at Bank Syariah Indonesia. Inflation and gold price data are collected monthly for the period 2021-2024. Furthermore, gold pawn performance data uses gold pawn distribution data (rahn) which is available in quarterly form and then converted into monthly data using the linear interpolation method.
Pengaruh Pemahaman Muamalah dan Sikap Heuristik Terhadap Pengambilan Keputusan Investasi Syariah pada Mahasiswa Universitas Islam Negeri Sumatera Utara (UINSU) Fudla Azzuhra Rahmawan; Nur Ahmadi Bi Rahmani; Purnama Ramadani Silalahi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i10.5494

Abstract

This study aims to examine the effect of muamalah understanding and heuristic attitude on sharia investment decision making among students of the Faculty of Economics and Islamic Business at the State Islamic University of North Sumatra (UINSU). Muamalah understanding refers to the knowledge of Islamic rules governing economic transactions, including the prohibition of riba, gharar, and maisir. Meanwhile, heuristic attitude involves the use of rules of thumb that help simplify the decision-making process, especially in complex and uncertain situations. This study was conducted using a quantitative approach through a survey of 271 students selected using purposive sampling technique. Data was collected through a Google Form-based questionnaire and analysed using multiple linear regression. The results showed that both muamalah understanding and heuristic attitude have a significant positive influence on Islamic investment decision making. Simultaneously, these two variables explain about 67,0% of the variation in Islamic investment decision-making. A deep understanding of muamalah helps students in choosing investments that are in accordance with sharia principles, while heuristic attitude allows them to make decisions more quickly and efficiently even in conditions of limited information.
PENGARUH PEMBANGUNAN CITRALAND GAMA CITY DALAM MENINGKATKAN PENDAPATAN PEDAGANG DI KENANGAN BARU KECAMATAN PERCUT SEI TUAN Sri Agustina Hasibuan; Sugianto; Nur Ahmadi Bi Rahmani
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.726

Abstract

This studyiaiims to determineithe effect of the development of CitraiLaind Gaimai City in increaising the income of traiders in Kenaingain Bairu Percut Sei Tuain District. This reseairch wais conducted on Jailain BoulevairdiBairait Raiyai No. Kaiv 1, KenaingainiBairu Percut Sei Tuain District, DeliiSerdaing Regency, North Sumaitrai. Thisitype of reseairch is quaintitaitiveireseairch. Theisaimple used in thisistudy were traiders in Kenaingain Bairu, Percut Sei Tuain District. Daitai Cillection is done by distributing questionnaiires to 35 respondents. Thisistudy uses ai simpleilineair regression model test with the help of IBM SPSSiVersion 20. Theiresults of this studyiindicaite thait the development of CitraiLaind Gaimai City haisiai significaint positive effection the income of traiders in Kenaingain Bairu, Percut Sei Tuain District, this is indicaited by the results of the titest, it is knownithait the cailculaited t vailueiis 5,305 thisivailue is greaiterithain t taible 1,69236 with ai t vailueiof 0,000 sig <0.05. So thait the hypothesis testing of this study is thaitiHai is aiccepted, H0 isirejected.
PENGARUH FASILITAS DAN KUALITAS PELAYANAN TERHADAP LOYALITAS PELANGGAN DENGAN KEPUASAN SEBAGAI VARIABEL MODERATING (Studi Kasus di Percetakan MK Digital Printing) Ayu Lestari; Mhd. Irwan Padli Nasution; Nur Ahmadi Bi Rahmani
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.741

Abstract

Facilities and service quality are important things that must be considered by companies engaged in services. The existence of good facilities and service quality in the minds of consumers will create a good image so that consumers become generous with the services provided by the company. This study aims to determine the effect of facilities and service quality on customer loyalty with satisfaction as a moderating variable (a case study in the Constitutional Court Digital Printing). This study uses a quantitative approach. The population of 2969 in this study were customers who had used the services of the Constitutional Court Digital Printing. The sample used was 97 respondents and questionnaires as a means of collecting data for respondents. The analytical method used in this research is validity test, reliability test, classical assumption test and Moderated Regression Analysis (MRA) test. The results of this study indicate that facilities, and service quality have a significant influence on customer loyalty at MK Digital Printing and the effect is from Variable X1, namely facilities and customer satisfaction which have the effect of increasing the influence of facilities on customer loyalty. Thus, that the result of the satisfaction variable is a moderating variable or can be used as an independent variable as well as a moderator variable.
Pengaruh Financing to Deposit Ratio dan Non Performing Financing Terhadap Return on Assets dengan Capital Adequacy Ratio Sebagai Variabel Intervening pada Perbankan Syariah di Indonesia pada Tahun 2017-2021 Ramayani; Nur Ahmadi Bi Rahmani; Nurul Jannah
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.152

Abstract

This study aims to determine the Effect of Financing to Deposit Ratio and Non-Performing Financing on Return on Assets with Capital Adequacy Ratio as Intervening Variables in Islamic Banking in Indonesia in 2017-2021. This study uses a quantitative approach method and uses secondary data, namely quarterly financial ratio reports of banks registered with OJK from 2017-2021. The analysis technique used is a partial test (t test), simultaneous test (F test), Coefficient of Determination test (R2 test) and path analysis test. The results of this study indicate (1) Financing to Deposit Ratio (FDR) has an effect on Return on Assets (ROA), (2) Non Performing Financing (NPF) has an effect on Return on Assets (ROA), (3) Financing to Deposit Ratio (FDR) ) has no effect on Capital Adequacy Ratio (CAR) (4) Non Performing Financing (NPF) has an effect on Capital Adequacy Ratio (CAR), (5) Capital Adequacy Ratio (CAR) can mediate the effect of Financing to Deposit Ratio (FDR) on Return On Assets (ROA), and (6) Capital Adequacy Ratio (CAR) cannot mediate the effect of Non Performing Financing (NPF) on Return On Assets (ROA).
PENGARUH RASIO CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING FINANCING (NPF) , BOPO, FINANCING TO DEPOSIT RATIO (FDR), TERHADAP ROA BANK UMUM SYARIAH DI INDONESIA PERIODE 2018-2022 Zuhra Nahda; Nur Ahmadi Bi Rahmani; Kusmilawaty
INTERNATIONAL, Journal of Sharia Business Management Vol 2 No 3 (2023): September
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini menggunakan pendekatan kuantitatif. Jenis data variabel merupakan data sekunder yaitu data yang diperoleh dari laporan tahunan keuangan (annual report) yang dipublikasikan pada website resmi masing-masing bank periode 2018-2022. Teknik analisis data yang digunakan pada penelitian ini meliputi Analisis Regresi Linier berganda, Uji Asumsi Klasik terdiri dari Uji Normalitas, Uji Multikolinearitas, Uji Heteroskedastisitas, dan Uji Autokorelasi, Uji Hipotesis terdiri dari Uji t, Uji F,Uji Analisis Regresi Linear Berganda serta Uji Koefisien Determinasi dengan bantuan aplikasi SPSS. Hasil pada penelitian ini menunjukkan bahwa secara parsial (uji t) Rasio Capital Adequacy Ratio (CAR) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,598) > 0,05 sedangkan nilai thitung > ttabel (0,533) < ttabel (1,697). Rasio Non Performing Financing (NPF) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,176) > 0,05 sedangkan nilai thitung(-1,387) < ttabel(1,697). Rasio BOPO memberikan pengaruh positif dan signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,000) < 0,05 sedangkan nilai t hitung (-4,927) < t tabel (1,697). Rasio Financing to Deposit Ratio (FDR) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,582) > 0,05 sedangkan t hitung (-0,557) < t tabel (1,697).
Co-Authors Abdul Rahman Ahmad Bayu Nugroho Aisyah Citra Dewi Alfina Rahma Wani Alwi Muarif Sembiring Amelia Azura Ananda Syahrina Aqwa Naser Daulay Ara Yustika Br.Ginting Arifin Fauzi Lubis Arnida Wahyuni atika Aulia Nurrahmah Lubis Ayu Annisa Fikra Ayu Lestari Bunga Anggita Batubara Dea Amanda Putri Deri Arifin Nur Marpaung Dian Irmawani Diana Loemongga Siregar Dinda Putri Hafira Ellyza Cindi Mentari Fachry Abda El Rahman Fairuz Firjatullah Faisal Umardani Hasibuan Farhan Edma Manurung Fudla Azzuhra Rahmawan Gita Ayu Pratama Harahap, Febri Khairani Hendra Harmain Humairah Hajijah Iga Dwi Wardanah Ika Annisa Indah Apriyani Nasution Indradewa, Rhian Inggit Eka Saputri Jannah, Nurul Kusmilawaty Kusmilawaty Kusmilawaty Laylan Syafina Maidalena Marliyah Maryam Batubara Miftahul Husna Hutapea Miftahul Jannah Hasibuan Miranda Muhammad Fauzan Muhammad Latief Ilhamy NST Muhammad Rizky Muhammad Syahbudi Muhammad Yafiz Mutiara Sawitri Pane Nasution, Muhammad Irwan Padli Nina Amanda NUR ASRIZA PASARIBU Nursantri Yanti Nurul Isnaini Putri Purnama Ramadani Silalahi Putri Ayuni Rahmad Sahputra Tanjung Rahul Al Fatah Suripto Ramayani Reni Ria Armayani Hasibuan Rizki Harnita Rizky Ananda Ariza Rizqia Humaira Nasution Salwa Fadhilah Haya Septiandy, Dimas Siti Khadijah Mtd SITI KHODIJAH Sri Agustina Hasibuan sri sudiarti Sugianto Tambunan, Khairina Tambunan, Sagdiyah Fitri Andani Tri Inda Fadhila Rahma Wahyu Syarvina Waizul Qarni Wilda Efrilyati Yenni Samri Juliati Nasution Zuhra Nahda Zuhrani Gumas Damanik Zuhrinal M. Nawawi