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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
Optimalisasi Pengumpulan ZIS Melalui Digitalisasi: Studi Aplikasi Mobile Action Bank Aceh Syariah Ismaulina, Ismaulina
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Di era digital saat ini, pemanfaatan teknologi informasi dalam keuangan syariah, khususnya zakat, infak, dan sedekah (ZIS), berpotensi besar meningkatkan efisiensi dan jangkauan penggalangan dana. Penelitian ini mengevaluasi efektivitas aplikasi Mobile Action Bank Aceh Syariah dalam mengoptimalkan pengumpulan ZIS dan mengidentifikasi faktor-faktor yang mempengaruhi keberhasilan implementasinya. Dengan metode kuantitatif dan survei online terhadap nasabah Bank Aceh Syariah, hasil penelitian menunjukkan peningkatan signifikan efisiensi pengumpulan ZIS dan tingkat kepuasan pengguna yang tinggi atas fitur serta keamanan aplikasi. Hasil ini menegaskan bahwa integrasi teknologi digital tidak hanya meningkatkan efisiensi dan transparansi dalam pengumpulan ZIS, tapi juga memperkuat kepercayaan publik dan meningkatkan partisipasi masyarakat dalam berzakat.
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

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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).