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All Journal JESI (Jurnal Ekonomi Syariah Indonesia) Akademika : Jurnal Keagamaan dan Pendidikan BASKARA: Journal of Business and Entrepreneurship Bertuah : Jurnal Syariah dan Ekonomi Islam Al-bank: Journal of Islamic Banking and Finance AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Tasharruf: Journal of Islamic Economics and Business Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan West Science Journal Economic and Entrepreneurship Al-bank: Journal of Islamic Banking and Finance Ulil Albab
Nur Azlina
Sekolah Tinggi Agama Islam Negeri Bengkalis
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Prospect of Islamic Electronic Money in Indonesia: Case Study on the LinkAja Application Hasan, Zulfikar; Jayanti, Endah Dwi; Azlina, Nur; Lestari, Reski; Muslim, Muslim
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 12, No 1 (2022)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (372.907 KB) | DOI: 10.21927/jesi.2022.12(1).1-13

Abstract

This research conducted to see how the prospects for electronic money in Indonesia, considering the launch of new electronic money launched this year through the LinkAja application. This application has received a fatwa from the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) to be a strong source of law for application in Indonesian society. The emergence of LinkAja electronic money is one of the policies of all stakeholders because the potential of sharia-based electronic money is quite large, apart from Indonesia having the world's largest Muslim population. The method that the author made is a qualitative method besides reading several journals and reading material about Islamic electronic money. The prospect of newly launched electronic money certainly has several challenges and opportunities that can be used as lessons for relevant stakeholders. Apart from the competition with the same applications as conventional-based electronic money, Indonesians are still used to conventional-based electronic money there is when compared to sharia-based systems. Complete support from the government is needed to make this electronic money develop well, apart from being protected by applicable laws and regulations. Promotion and marketing of all LinkAja management are also necessary to expand the reach not only in cities but also in villages.
Pengaruh Word Of Mouth Terhadap Keputusaan Mahasiswa Himpunan Mahasiswa Kecamatan Bantan Memilih Bank Syariah Nur Azlina; Noratika Noratika
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5348

Abstract

This study aims to determine the effect of word of mouth on the decision of Kecamatan Bantan students to choose Islamic banks. The research method uses a quantitative descriptive approach. The population is all students in the Kecamatan Bantan student association with a total of 157 people. The number of samples is 61 people with the sampling technique used is the random sampling method. The data analysis technique used simple linear regression. The marketing level of word of mouth (X) in the Bantan sub-district student association is included in the high category, namely 76.58%. The decision level (Y) is included in the high category, namely 80.20%. The results showed that the word of mouth variable had an effect on students' decisions to choose Islamic banks. The results of the study can be considered by Islamic banks in making policies.
Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat Nur Azlina; Husni Shabri; Ibnu Qizam
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9169

Abstract

This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by banks because they have a very strong influence on bank performance.
iB Dhuha Saving Product Analysis with Wadiah Contract at Bank Riau Kepri Bengkalis Branch Revita Sari; Nur Azlina; Mistari Br Harianja; Norpatiha Norpatiha; Khotimatul Anisa; Zulfikar Hasan
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 2 No. 5: April 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v2i5.1491

Abstract

The goal of this study is to figure out how to make the first deposit of Hajj iB savings. Dhuha with the system for implementing a wadiah contract on iB hajj savings and a wadiah contract. Dhuha at the Bengkalis Branch of Bank Riau Kepri. The qualitative research method was used to examine the Hajj iB savings product. Dhuha at the Bengkalis Branch of Bank Riau Kepri. This kind of research is field research that uses methods like interviews and documentation to collect data; Customers of the iB Dhuha hajj savings product at the Bank Riau Kepri Bengkalis Branch served as the study's subjects. Initial deposit funds for potential iB Dhuha savings customers at the Bank Riau Kepri Bengkalis Branch were the subject of this study. The Bank Riau Kepri Bengkalis Branch is the population, the Bank Riau Kepri Bengkalis Branch's customer service is the sample, and a structured interview guideline is the measurement scale used in this study. Descriptive qualitative analysis was used in data analysis. The study's conclusions were as follows: in the initial deposit made by customers of iB Hajj savings. Dhuha customers make an initial deposit of at least Rp at the Bank Riau Kepri Bengkalis Branch. 50,000,000, and the customer is free to make additional deposits of a minimum of Rp depending on their ability. up to Rp. 20,000, - 25,000,000.
Co-Authors Cholil Nafis Disti Marta Rini Endah Dwi Jayanti HUSNI SHABRI Ibnu Qizam Irda Listiawati Irzan Surohman Khotimatul Anisa Mistari Br Harianja Muhamad Nadratuzzaman Hosen Muslim Muslim Noratika Noratika Norpatiha Norpatiha Nur Indira R. Melda Maesarach Reski Lestari Revita Sari Said, Muhammad Siti Asiam Zulfikar Hasan