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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Owner : Riset dan Jurnal Akuntansi Kajian Akuntansi Journal of Social Responsibility Projects by Higher Education Forum Jurnal Ekonomi International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) ASNAF Studi Multidisipliner: Jurnal Kajian Keislaman International Journal of Islamic Business and Economics (IJIBEC)
Ananda Anugrah Nasution
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
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Factors causing sharia banking students have not transformed from conventional bank to sharia bank (case study of sharia banking students 2018 UIN Syahada Padangsidimpuan) Latifa Ayunda Sari Panggabean; Nofinawati; Ananda Anugrah Nasution
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 2, No 1 (2023)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v2i1.5728

Abstract

Abstract Purpose – This study aims to identify and describe the factors behind Islamic Banking students Batch 2018 not using Islamic banks in their transaction activities in daily life. Method -This type of research uses field research (Field Research) which is descriptive qualitative in nature. The study uses two data sources, namely primary data and secondary data, as well as data collection techniques through observation, interviews and documentation. Then according to the data analyzed inductively. Research Results - Based on the results of the study, it can be concluded that the causative factor for Islamic Banking students class of 2018 has not transformed from conventional banks to Islamic banks, namely because people generally carry out transactions at conventional banks because they know more about the existence of conventional banks than Islamic banks and the existence of conventional branches that are close to them. with homes, family and closest relatives still using conventional banks in conducting transactions and not feeling the need for a sharia bank yet, the location of Islamic banks is still very minimal, ATM facilities and branches are still few, and there is trauma to their own experiences or those closest to them due to lack of service from Islamic banks. Limitations – This study has limitations in terms of the relatively small number of research subjects. Practical Implications - As a practical implication, the results of this study can be used as a reference by Islamic banking as a strategy to increase the number of users.
The merger of three state owned shariah bank in Padangsidimpuan Ferdy Kurniawan; Abdul Nasser Hasibuan; Ananda Anugrah Nasution
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 2, No 2 (2023)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v2i2.5745

Abstract

Abstract Purpose - The objective of this study is to identify the positive and negative impacts of the merger of Islamic banks on the community or customers and employees of Islamic banks in Kota Padangsidimpuan. Method - To address this issue, this study employed a qualitative descriptive method. Data collection for this study used the interview technique. This study involved 15 informants from the local community and 5 informants of bank employees. Results - The merger of Islamic banks in Kota Padangsidimpuan brought both advantages and challenges for the community and bank employees. On the bright side, the merger expanded the reach of Islamic banking services, which projected there are more people could now access essential financial products and services like savings accounts, loans, and investments. This potentially boosted financial inclusion and economic activity in the city. The merger also enhanced job security for employees, by becoming part of a larger, state-owned enterprise like Bank Syariah Indonesia (BSI), the employees gained stability and potential career advancement opportunities. However, there were also some shortcomings, the merger led to the limited access to physical banking infrastructure: The lack of new ATMs and branch offices following the merger might have inconvenienced some customers, especially those in remote areas. In addition, it adjusted the period for employees, which adapting to new systems and regulations after the merger could have been challenging for some employees, requiring additional training and support. Overall, the merger's impact was mixed. While it provided broader access to Islamic banking and job security for employees, it also highlighted the need for further expansion of physical banking infrastructure and support for employees during transitions. Addressing these challenges could help maximize the positive outcomes of the merger for the community and bank employees in Kota Padangsidimpuan. Limitation – The generalizability of the findings may be limited due to the study's focus on a single merged Islamic bank in one city. Practical Implicative - The consolidation of three Islamic banks marks a significant step in enhancing Sharia-compliant financial services. This merger has the potential to benefit both the community and the national economy. By uniting resources and expertise, the new entity offer a wider range of Sharia-approved products and services, catering to the specific needs of the community while also contributing to broader societal well-being and economic development.
Factors causing sharia banking students have not transformed from conventional bank to sharia bank (case study of sharia banking students 2018 UIN Syahada Padangsidimpuan) Latifa Ayunda Sari Panggabean; Nofinawati; Ananda Anugrah Nasution
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 2, No 1 (2023)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v2i1.5728

Abstract

Abstract Purpose – This study aims to identify and describe the factors behind Islamic Banking students Batch 2018 not using Islamic banks in their transaction activities in daily life. Method -This type of research uses field research (Field Research) which is descriptive qualitative in nature. The study uses two data sources, namely primary data and secondary data, as well as data collection techniques through observation, interviews and documentation. Then according to the data analyzed inductively. Research Results - Based on the results of the study, it can be concluded that the causative factor for Islamic Banking students class of 2018 has not transformed from conventional banks to Islamic banks, namely because people generally carry out transactions at conventional banks because they know more about the existence of conventional banks than Islamic banks and the existence of conventional branches that are close to them. with homes, family and closest relatives still using conventional banks in conducting transactions and not feeling the need for a sharia bank yet, the location of Islamic banks is still very minimal, ATM facilities and branches are still few, and there is trauma to their own experiences or those closest to them due to lack of service from Islamic banks. Limitations – This study has limitations in terms of the relatively small number of research subjects. Practical Implications - As a practical implication, the results of this study can be used as a reference by Islamic banking as a strategy to increase the number of users.
Co-Authors Abdul Nasser Hasibuan Ali Djamhuri Ali Hardana Anggia Sari Lubis, Anggia Sari Dedi Riandi Pasaribu Ferdy Kurniawan Harahap, Darwis Latifa Ayunda Sari Panggabean Latifa Ayunda Sari Panggabean M. Fauzan M. Fauzan M. Fauzan M. Fauzan Mahmud Pasaribu Mahmud Pasaribu Nofinawati Nofinawati Ovami, Debbi Chyntia Raja Zainal Abidin Harahap Rendy Syaid Abdullah Ricka Putri Rukiah Lubis Rukiah lubis Rukiah Rukiah Rukiah Rukiah Semangat Juang Lahagu Tasiu Tijjani Sabiu Tasiu Tijjani Sabiu Wanda Khairun Nasirin Wanda Khoirun Nasirin