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All Journal SEGMEN Jurnal Manajemen dan Bisnis Jurnal Ilmu Manajemen (JIM) Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan I-Finance Journal MIQOT: Jurnal Ilmu-ilmu Keislaman Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Jurnal Ilmiah Ekonomi Islam Widya Cipta : Jurnal Sekretari dan Manajemen Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT MANAJERIAL Jurnal Pengabdian Pada Masyarakat JURNAL PengaMAS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURIS (Jurnal Ilmiah Syariah) E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Dimasejati: Jurnal Pengabdian Kepada Masyarakat AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah J-ISCAN : Journal of Islamic Accounting Research Rambideun : Jurnal Pengabdian Kepada Masyarakat Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah JURIS (Jurnal Ilmiah Syariah) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Media Bina Ilmiah Indo-Fintech Intellectuals: Journal of Economics and Business Imara: Jurnal Riset Ekonomi Islam J-ISCAN : Journal of Islamic Accounting Research ABANNA: Journal Of Contemporary Islamic Education Malik Al-Shalih Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Amwaluna: Jurnal Ekonomi dan Keuangan Syariah IJIEF: Indonesian Journal of Islamic Economics and Finance Share BISNIS : Jurnal Bisnis dan Manajemen Islam
Ismaulina
Universitas Islam Negeri Sultanah Nahrasiyah
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Atribut Produk Tabungan Bank Syariah Dan Pengaruhnya Pada Minat Nasabah Menabung Ismaulina Ismaulina; Agus Ana Tasya
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3360

Abstract

Abstrak Minat nasabah menabung sangat ditentukan oleh atribut produk perbankan yang tersedia.Tujuan penelitian ini untuk mengetahui bagaimana atribut produk tabungan perbankan syariah Bank Aceh Syariah KCP Sampoiniet mempengaruhi minat nasabah menabung. Metode yang digunakan dengan pendekatan kuantitatif dan objek penelitiannya  adalah atribut produk tabungan dan minat nasabah menabung. Sampel terdiri dari 43 orang nasabah yang di ambil secara random.Data diperoleh melalui penyebaran kuesioner (angket) serta dokumentasi.Teknis analisis data melalui uji validiitas, reliabilitas, dan normalitas. Hasil penelitian menunjukkan bahwa atribut produk tabungan  Bank Aceh Syariah KCP Sampoiniet telah dilakukan dengan baik terlihat dari uji statistiknya yang signifikan. Hal ini di tunjukan dengan besarnya nilai thitung dengan ttabel (2.6391.68288).    Abstract Customers' interest in saving is largely determined by the attributes of available banking products. The purpose of this research is to find out how the attributes of Islamic banking savings products at Bank Aceh Syariah KCP Sampoiniet affect customers' interest in saving. The method used is a quantitative approach and the object of research is the attributes of savings products and customer interest in saving. The sample consisted of 43 customers who were taken randomly. Data obtained through distributing questionnaires (questionnaires) and documentation. The technique of analyzing the data was through the validity, reliability and normality tests. The results showed that the attributes of the Bank Aceh Syariah KCP Sampoiniet savings product have been performed well as seen from the significant statistical test. This is indicated by the value of tcount with t-table (2.639 1.68288). 
CONSIDERING MURABAHAH GOLD FINANCING PRACTICE IN ACEH WITH REFERENCE TO ISLAMIC BANKING AND SHARIA PAWNSHOP Khalil, Munawar; Ismaulina, Ismaulina
MIQOT: Jurnal Ilmu-ilmu Keislaman Vol 46, No 2 (2022)
Publisher : State Islamic University North Sumatra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/miqot.v46i2.915

Abstract

Abstract: The purpose of the study was to determine the implementation of gold murabahah financing for Islamic banking and Sharia pawnshops, the reasons for the differences in implementation, and their suitability in the Islamic economic perspective. In principle, the implementation of financing gold murabahah of sharia banking and sharia pawnshops is similar in form. But what distinguishes it lies in the technique of contracting and the transaction of delivery of goods. For example, customers buying gold in murabahah can take the purchase gold directly without waiting for the installment to be paid off and if the gold is available, and provide collateral with other goods, but in some other Islamic banks, the goods purchased must be used as collateral so that in this Islamic banking using a double contract, namely the murabahah contract at the time of purchase of goods,  Then the rahn contract (pawn) when the goods are used as collateral. This is the same as the practice carried out by sharia pawnshops in Aceh province. As such, it can be concluded that the implementation of gold murabahah financing in Islamic financial institutions according to the Islamic economy is in accordance with Islamic economic principles.Keywords: Islamic economics, financing, murabahah, shariah banking, and sharia pownshop
Meningkatkan Mutu Pendidikan Melalui Sinergi: Bahan Ajar Mata Kuliah Akuntansi Perbankan Syariah Ismaulina
ABANNA: Journal Of Contemporary Islamic Education Vol. 2 No. 1 (2024): JURNAL ABANNA: Journal Of Contemporary Islamic Education
Publisher : Enlightenment Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71036/ajcie.v2i1.276

Abstract

Meningkatkan mutu pendidikan dalam bidang akuntansi perbankan syariah adalah langkah strategis untuk memastikan bahwa lulusan siap menghadapi tantangan di dunia kerja yang semakin kompleks. Penelitian ini bertujuan untuk mengembangkan dan menguji efektivitas bahan ajar interaktif yang lebih relevan dengan kebutuhan industri bagi mahasiswa Jurusan Akuntansi Syariah FEBI IAIN Lhokseumawe. Metode penelitian yang digunakan meliputi analisis tematik dari wawancara dengan praktisi industri dan akademisi, serta uji korelasi dan regresi untuk mengukur hubungan antara penggunaan bahan ajar interaktif dan kepuasan mahasiswa. Hasil penelitian menunjukkan bahwa bahan ajar interaktif secara signifikan meningkatkan pemahaman dan kepuasan mahasiswa, dengan 75% responden mendukung penggunaan teknologi interaktif dan 70% menginginkan lebih banyak kolaborasi dengan praktisi industri. Implikasi dari penelitian ini adalah bahwa pengembangan bahan ajar yang sinergis dengan kebutuhan industri dan penggunaan teknologi dalam pengajaran dapat meningkatkan kualitas pendidikan secara keseluruhan, mempersiapkan mahasiswa dengan keterampilan yang relevan, dan memperkuat daya saing lulusan di pasar kerja global. Dengan demikian, langkah-langkah ini diharapkan dapat memberikan kontribusi signifikan terhadap peningkatan mutu pendidikan akuntansi perbankan syariah di Indonesia
THE DECLINE IN BUMDes PERFORMANCE DURING THE COVID-19 PANDEMI (EVALUATION OF ENVIRONMENTAL TURBULENCE IN THE FUTURE) Linda, Linda; Ismaulina, Ismaulina; Febriyanty Lautania, Maya
J-ISCAN: Journal of Islamic Accounting Research Vol. 5 No. 2 (2023): J-ISCAN : Journal of Islamic Accounting Research
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jiscan.v5i2.1348

Abstract

This study aims to analyze the causes of the decline in the performance of BUMDes in the city of Banda Aceh during the Covid-19 pandemi. Environmental turbulence or external conditions that lead to opportunities or threats to business continuity. The results of previous studies showed that the financial performance of BUMDes during the Covid 19 pandemi experienced a very drastic decline and many BUMDes went bankrupt because they were unable to compete in the market. The exogenous variables in this study are environmental turbulence and working capital. The endogenous variables are transparency and falling BUMDes financial performance, where the transparency variable is an intervening variable. Analysis of the influence of exogenous variables on endogenous variables using SEM-PLS with the study population being BUMDes administrators in the city of Banda Aceh. Respondents in the study were chairmen, secretaries and treasurers of BUMDes who were active in the city of Banda Aceh The results showed that the environmental turbulence and working capital variables through the transparency variable had a significant negative effect on the fall in BUMDes financial performance during the Covid 19 pandemi. Which means that environmental turbulence caused a fall in BUMDes financial performance. These findings show the importance of BUMDes to carry out various product innovations when environmental turmoil occurs so that their business can be sustainable.
Dinamika Pengetahuan Akuntansi, Pengalaman Usaha, dan Motivasi Kerja: Analisis Penggunaan Laporan Informasi Akuntansi oleh Pelaku UMKM di Kota Lhoksukon Ismaulina, Ismaulina
Jurnal Ilmu Manajemen Vol. 12 No. 1 (2024)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v12n1.p184-197

Abstract

Understanding the influence of accounting knowledge, business experience and work motivation on the use of accounting information reports by Lhoksukon City MSMEs is essential to promote business effectiveness and continuity. This study is directed at examining the interaction between accounting knowledge, business experience, and work motivation in the context of the use of accounting information reports, with the aim of providing a new perspective regarding these elements interacting to support business decisions. Using quantitative methods, questionnaires were distributed to 74 MSMEs from a total of 291 MSMEs in Lhoksukon, and analyzed using multivariate statistics to identify relationships and influences between variables. The research results show: Adequate accounting knowledge, extensive business experience and high work motivation contribute significantly to the intensity of use of accounting information reports in making business decisions. The importance of work motivation as a mediator that strengthens the effect of accounting knowledge and business experience on the use of accounting information is also identified. These findings underline the need for training and education programs that focus on increasing accounting knowledge for MSMEs and building work motivation as a basis for the effective use of accounting information in business activities. This research makes a significant contribution to the MSME accounting and management literature, as well as providing practical guidance for policy makers, educational institutions and MSME actors in designing capacity development strategies and work motivation to maximize the benefits of accounting information for business success.
ANALISIS DAMPAK BAURAN PEMASARAN TERHADAP KEPUASAN KONSUMEN DI GALERI MADU BENER MERIAH Ismaulina, Ismaulina; Annisa, Annisa
Media Bina Ilmiah Vol. 19 No. 10: Mei 2025
Publisher : LPSDI Bina Patria

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

Abstract

Kepuasan konsumen merupakan faktor kunci dalam keberhasilan bisnis, terutama dalam industri produk alami seperti madu. Penelitian ini bertujuan untuk menganalisis pengaruh bauran pemasaran (produk, harga, lokasi, dan promosi) terhadap kepuasan konsumen di Galeri Madu Bener Meriah. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik survei menggunakan kuesioner yang disebarkan kepada konsumen Galeri Madu. Data dianalisis menggunakan regresi linear berganda untuk menguji hubungan antara variabel independen dan kepuasan konsumen. Hasil penelitian menunjukkan bahwa kualitas produk dan strategi promosi memiliki pengaruh positif dan signifikan terhadap kepuasan konsumen, sedangkan harga dan lokasi tidak berpengaruh secara signifikan. Implikasi penelitian ini menegaskan bahwa peningkatan kualitas produk dan strategi promosi yang efektif menjadi faktor utama dalam meningkatkan kepuasan pelanggan, yang pada akhirnya dapat memperkuat loyalitas pelanggan dan keberlanjutan bisnis
Profession Zakat in Qanun Perspective/District Code (Perda) of Aceh Suryani Suryani; Muhammad Anwar Fathoni; Ismaulina Ismaulina
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 2 No. 2 (2019): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v2i2.591

Abstract

Poverty has been a greatest problem in Indonesia. It emerges consideration for community, especially government as regulator because its characteristics multi-dimensionally and complexly have influenced every aspect of human civilization, mainly Indonesian people. Poverty level in Indonesia decreases every year, but the hard attempts to cope with it must be central priority for government to reach national development target: creating welfare for all of Indonesian people. Zakat as a religious instrument that has a mission to empower the poor has been running for so long in this country. However, in the beginning of the New Order era zakat started being driven into state legislation. Zakat has potential to help the government tackle the issue of social justice and welfare. This is consistent with the constitutional mandate. However, due to the unfavorable political situation zakat issues were suspended. In 1999 Law No. 38/1999 was issued. It became a milestone for Indonesian that Islamic Sharia zakat officially became positive legal which meant being legalized by the state. This code was later replaced by Law 23/2011. Unlike the previous law, Law No. 23/2011 provided reinforcement against BAZNAS role as a leading sector in the management of national charity (zakat).
A Critical Appraisal of Product Innovation in Islamic Banking: Navigating Market Pressures, Ensuring Shariah Compliance, and Advancing the Objectives of Maqasid al-Shariah Ismaulina; Ibrahim, Azharsyah
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i2.19941

Abstract

This article presents a critical evaluation of product innovation in Islamic banking, focusing on the imbalance between market demands, sharia compliance, and the realization of maqashid al-shariah. The study aims to assess the extent to which Islamic banking innovations can maintain a balanced integration of commercial objectives, legal-formal compliance, and the substantive values of maqashid. Employing a descriptive qualitative approach through case studies of several Islamic banks in Indonesia, the research gathers data from annual reports and strategic publications. Analysis is conducted using the Maqashid-Based Innovation Evaluation Model (MBIEM), which encompasses three core dimensions: market orientation, sharia compliance, and alignment with maqashid. Findings reveal a significant gap between formalistic compliance and the actual implementation of maqashid. Value-based innovations such as qardhul hasan financing and digital zakat platforms are found to better embody maqashid values than products driven solely by legal-formal considerations. The study recommends reinforcing maqashid-oriented regulations, involving the Sharia Supervisory Board (SSB) early in product development, enhancing the multidisciplinary competencies of human resources, and developing a substance-based sharia audit framework. With these strategies, Islamic banking innovations are expected to become more ethical, inclusive, and sustainable, while fulfilling their socio-economic role in accordance with Islamic principles
MINAT MAHASISWA FEBI IAIN LHOKSEUMAWE BERPROFESI DI PERBANKAN SYARIAH Ismaulina Ismaulina Ismaulina
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7717

Abstract

The need for human resources (HR) in various Islamic financial institutions in the Aceh province has increased since the enactment of Qanun no. 11 of 2018. In order to realize the Islamic economy of Aceh. Meanwhile, human resources who have the ability and knowledge of Islamic financial transactions are not adequate and adequate. This study aims to determine how the influence of attitudes, subjective norms, behavioral control, financial rewards, either partially or simultaneously on student interest in the Islamic banking profession. The population in this study amounted to 255 students of IAIN Lhokseumawe majoring in Islamic economics class 2015-2017. Sampling using purposive sampling and obtained 72 students. Data collection methods are through questionnaires, literature studies, and internet research. The results showed that attitude and behavior control had no effect on student work interest in Islamic banking as indicated by the value of Sig. 0.402 > 0.05 and the value of Sig. 0.652 > 0.05.While the subjective norm variables and financial rewards affect student interest in working in Islamic banking with the value of Sig. 0.000 < 0.05. Meanwhile, the simultaneous test shows that all independent variables have an effect on student work interest in Islamic banking.
Determinan Mustahiq Zakat Fitrah Perspektif Keadilan Dan Budaya Ismaulina Ismaulina; Kherlina Kherlina
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8742

Abstract

This study discusses the culture and concept of justice in the determination and distribution of zakat fitrah to Mustahik which is carried out evenly in the people of Gampong Blang Crum, Lhokseumawe City. This field research was conducted using data collection techniques by means of observation, interviews, documentation and literature related to zakat fitrah. The subjects of this study consisted of Gampong Imum, Amil, Tuha Phet and Mustahiq which are in Gampong Blang Crum. The findings show that the determination of mustahiq zakat fitrah in Gampong Blang Crum, Lhokseumawe City, is contrary to the Koran. This is evidenced by the distribution of zakat fitrah evenly to all people. According to the concept of justice in Islam, it is not appropriate because the distribution of zakat fitrah evenly reduces the rights of mustahik, especially the poor. Meanwhile, according to Gampong Blang Crum culture, the distribution of zakat fitrah must be given evenly because it has become a longstanding habit. this has happened from generation to generation, no one even knows when the distribution of zakat fitrah evenly began. This is done to avoid social jealousy among residents. The distribution of zakat fitrah to the entire community is carried out after the distribution of zakat fitrah to the 4 asnaf that has been determined by the village. this is considered very fair and feasible, but this is not in accordance with an Islamic economic perspective because the purpose of zakat fitrah is to meet the needs of the poor.
Co-Authors Agus Ana Tasya Ali Muhayatsyah Anita, Putri Sri Annisa Annisa Asma Savitri Asma Savitri Ayu Wulansari Azharsyah Ibrahim Daeng Ayub Dahliana Dahliana Devi Maudiani Diccy Jainur Zukrina Fachry Abda El Rahman Fakhrurreza Fakhrurreza Febriyanty Lautania, Maya Heny Rofizar Iskandar Iskandar Isra Maulina Juliana Juliana Khairiati, Khairiati Khalil, Munawar Khalish Khairina Kherlina Kherlina Linda Linda Linda Linda Liza, Fathul Mahdalena, Maulida Maulida Mahdalena Maulina, Marliah Mira Safira Muhammad Anwar Fathoni Muhammad Syahrial Razali Ibrahim Muhayatsyah, Ali Nanda Arva Nasution, Syafriil Nova Haryani Nuraida Nuraida Nurhikmah Nurhikmah Nurlisa Nurlisa Nurul A'la Nurul Affriza Nurul Haqiqi Oumar Tidiane Doumbouya Putri Sri Anita Putri, Juliana Rahmiana Rahmiana Ratna Auliana Rauzatul Amanda Razali Razali Resa, Desi Misra Salsazila, Melur Sofyan Arianto Suryani Suryani Suryani Suryani Suryani Suryani Suryani Suryani Syafriil Nasution Syahputra, Angga Ulfa, Nora Utari Rahayu Lubis Widiastuti Widiastuti Yuliana Zulfadhli Zulfadhli Zulfadhli Zulfadhli Zulfikar Zulfikar