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All Journal INFERENSI Tawazun: Journal of Sharia Economic Law MBIA SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Ihtiyath : Jurnal Manajemen Keuangan Syariah ZAWA:Management of Zakat and Waqf Journal
Rahmawati Rahmawati
Iain Lhokseumawe
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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MOBILE BANKING: ANALISA PENGGUNAAN PADA NASABAH PT. BANK ACEH SYARIAH CABANG LHOKSEUMAWE: PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM) Rahmawati, Rahmawati
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 1 (2019): Vol 3 No 1 September 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i1.1296

Abstract

Mobile banking offers convenience in conducting banking transactions. Customers who use mobile banking will get customer information in conducting banking transactions. PT Bank Aceh Syariah Lhokseumawe Branch Lhokseumawe Branch, as one of the banking institutions, is well aware that service to customers must be adjusted to advance technological outlook. This study limits only using three factors and needs to be considered by researchers, because the Technology Acceptance Model (TAM) as a model of user acceptance in an information system. Based on this analysis it is known that or a constant of 92.343% means the three variables namely Perception of Ease, Comfort, and Trust has an influence on the preference variable of 21.453%, the regression coefficient of perceived convenience variable (X1) of 55.7%, the regression coefficient of comfort variable (X2) of 27.9%, and the regression coefficient of the trust variable (X3) of 93.8%. Based on the results of the F-Test and T-test, it can be seen that the most dominant factor influencing customer interest in using mobile banking is the trust factor because the value of the trust variable is greater than that of other variables.
Tantangan Konversi Bank Konvensional Menjadi Bank Syariah di Aceh Berdasarkan Qanun Lembaga Keuangan Syariah No 11 Tahun 2018 Rahmawati Rahmawati; Khairul Putriana
TAWAZUN : Journal of Sharia Economic Law Vol 3, No 2 (2020): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v3i2.7725

Abstract

The presence of the Islamic Financial Institution Qanun No 11 in 2018 is a special right for Aceh and has brought a breath of fresh air to the development of the Islamic banking industry in Aceh, a number of conventional banks in Aceh are required to convert to Islamic banks, The purpose of this study is to explain the procedure for accelerating the conversion of unconventional banks to Islamic banks in Aceh and to explain the challenges of banking institutions with the obligation to convert financial institutions in Aceh. The obligation to convert a conventional bank into a sharia bank is clearly as stipulated in article 6 points e and d, although the process of converting a conventional bank to a sharia bank is not found directly in the qanun, but every bank that does the conversion must refer to BI regulations namely PBI No. 11 / 15 / PBI-2009, this is as explained in article 12 "before carrying out business activities, LKS must have a business license in accordance with the provisions of the legislation". 
Peran Academic, Social dan Environment Support pada Intensi Berwirausaha Mahasiswa Fauzani Fauzani; Suryani Suryani; Rahmawati Rahmawati
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 1 No 3 (2019)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (150.427 KB) | DOI: 10.36407/serambi.v1i3.133

Abstract

Purpose- This study aims to analyze the factors that influence the level of student interest in entrepreneurship in terms of contextual namely academic, social and environmental support. Methods- Data was collected through the distribution of questionnaires to 100 students consisting of Islamic Economics and Business Faculty students, and the hypothesis was tested by multiple linear regression. Findings- The students' entrepreneurial intentions to create a business are largely determined primarily from the environment, social and academic support. Implications- This study offers alternative recommendations to universities and policymakers about the entrepreneurial intentions of business students.
ETIKA BISNIS ISLAM PADA PEDAGANG MAKANAN Rahmawati Rahmawati
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 1 No 1 (2017): JESKaPe Vol. 1 No. 1 January-June 2017
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (198.091 KB)

Abstract

Ethics is the science or knowledge of what is good or what is not good to do, whereas business is defined as an activity that is done by man to earn income or income which is usually called trading. The study aims: to find out how the application of Islamic business ethics to food traders in Keude Blang Jruen. The method that researchers use in this research is qualitative method, while data processing and data analysis begins by reducing the data found in the field, presents the data and draw conclusions. While the sample, the traders in Keude Blang Jruem as many as 30 people. The results show that: The results show that, traders in Keude Blang Jruen, business ethics before everything in accordance with the concept of business ethics as a whole. Every trader sells halal food, whether it is used for making food, or for sale again. As well as not selling goods that kadarluasa, because traders understand the act is prohibited in Islamic business ethics. Merchants sell food by keeping it clean, although there are some less-than-hygienic merchant salespeople, such as not providing trash cans, and there are sellers who rarely clean out their sales. But it is food that is sold clean. Traders sell healthy foods consumed for health. And every trader sells quality food and qualifies MUI even though the merchant has not taken care of halal certification made in MUI. Merchants also have not entirely made legality on trademarks or groceries. The Average traders ini Keude Blang Jreum understand good ethics in trading. Keywords: Food Trade Ethics
ANALISIS PENGARUH INFLASI, BI RATE, CURRENCY EXCHANGE (SEBAGAI VARIABEL INTERVENING) TERHADAP PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI TAHUN 2013-2018 Rahmawati Rahmawati; Eko Budianto; Putri Sri Anita
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (300.894 KB) | DOI: 10.52490/jeskape.v3i1.437

Abstract

The title of this research is: "Analysis of the Influence of Inflation, Currency Exchange Rates and BI Rate on Murabahah Financing at Bank Syariah Mandiri (BSM) in 2013-2018." The formulation of the problems in this study are: 1) What is the effect of inflation on murabaha financing in Bank Mandiri Syariah (BSM) in 2013-2018? ?, 3) What is the effect of the BI Rate on murabaha financing at Bank Mandiri Syariah (BSM) in 2013-2018 ?. 4) Does inflation, currency rates and bi rates have a simultaneous effect on murabaha financing at Bank Mandiri Syariah (BSM) in 2013-2018?. While the research method used is descriptive quantitative research methods in the form of time series that is research on financial statements, and testing data using the SPPS program. The results obtained are: First, t arithmetic (1,731)> t table (1,724), so that Ha is accepted and Ho is rejected, it can be concluded that inflation has a significant and significant influence on murabaha financing at PT. Bank Syariah Mandiri for the period March 2013 to December 2018. Second, t arithmetic (0.212) <t table (1.724), so that Ha is rejected and Ho is accepted, it can be concluded that the currency exchange rate has no significant and significant effect on murabahah financing. third, t arithmetic (0.303) <t table (1.724), so that Ha is rejected and accepts Ho, it can be concluded that the persial bi rate has no effect and is not significant to murabaha financing. And F count> F table (3.168> 2.87) with a significant value of 0.000 <α = 5% (0.05). And Fourth: This means that there is a significant influence jointly between all independent variables (inflation, currency rates and bi rates) on the dependent variable (murabahah financing) at PT. Bank Syariah Mandiri for the period March 2013 to September 2018.
ANALISA SOLUSI PENEKANAN TINGKAT NON PERFORMING FINANCING (NPF) PADA PEMBIAYAAN MURABAHAH (STUDI KASUS PADA BPRS RAHMANIA DANA SEJAHTERA BIREUEN) Iskandar Iskandar; Rahmawati Rahmawati; Nurul Fahmi
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 4 No 2 (2020): JESKaPe Vol. 4 No. 2 July-December 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v4i2.801

Abstract

Abstract The research objectives are: 1) To find out the factors that cause Non Performing Financing in murabaha financing at BPRS Rahmania Dana Sejahtera in Bireuen City. 2) To find out the Solution for Emphasis on Non-Performing Financing (NPF) Level on Murabaha Financing at BPRS Rahmania Dana Sejahtera in Bireuen City. The type of research the author uses here is a type of qualitative research with a descriptive approach, as well as data collection techniques using observation and interviews. Based on the results of the study, it can be concluded that: 1) Factors That Cause Non-Performing Financing are internal factors that arise from the bank with limited employee owned and new employees, while the internal factors of the customer, namely bankruptcy, incompetent in business, the filing of a business or collateral is not his, customers who use open funds in planning, as well as customers who are not responsible because of personal family factors. While external factors result from natural disasters, government regulations and conditions that are not in accordance with the plan. 2) Emphasis Solutions is carried out by applying a financing analysis consisting of a guarantee approach, character, repayment capability, feasibility study, and an approach to bank functions. Coupled with the application of the financing analysis principle of 5C (carater, capacity, capital, collateral, and condition of economy. Keywords: Non-Performing Financing, Murabahah Financing, Emphasis Solutions Abstrak Tujuan penelitian ini adalah: 1) Untuk mengetahui faktor-faktor penyebab Non Performing Financing pembiayaan murabahah pada BPRS Rahmania Dana Sejahtera Kota Bireuen. 2) Untuk mengetahui Solusi Tingkat Penekanan pada Non Performing Financing (NPF) pada Pembiayaan Murabahah pada BPRS Rahmania Dana Sejahtera Kota Bireuen. Jenis penelitian yang penulis gunakan disini adalah jenis penelitian kualitatif dengan pendekatan deskriptif, serta teknik pengumpulan datanya menggunakan observasi dan wawancara. Berdasarkan hasil penelitian dapat disimpulkan bahwa: 1) Faktor Penyebab Non Performing Financing adalah faktor internal yang muncul dari bank dengan terbatasnya pegawai yang dimiliki dan pegawai baru, sedangkan faktor internal nasabah yaitu kebangkrutan, tidak cakap dalam berbisnis, pengajuan usaha atau agunan bukan miliknya, nasabah yang menggunakan dana terbuka dalam perencanaan, maupun nasabah yang tidak bertanggung jawab karena faktor pribadi keluarga. Sedangkan faktor eksternal disebabkan oleh bencana alam, regulasi dan kondisi pemerintah yang tidak sesuai dengan rencana. 2) Solusi penekanan dilakukan dengan menerapkan analisis pembiayaan yang terdiri dari pendekatan penjaminan, karakter, kemampuan pembayaran kembali, studi kelayakan, dan pendekatan fungsi bank. Ditambah dengan penerapan prinsip analisa pembiayaan 5C (carater, capacity, capital, collateral, dan kondisi perekonomian. Kata kunci: Non Performing Financing, Pembiayaan Murabahah, Solusi Penekanan.
The Role of Islamic Ethic Investment in Aceh Malahayatie Malahayatie; Rahmawati Rahmawati
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 16, No 1 (2022)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v16i1.137-150

Abstract

Investment has important role in economic development of Aceh.However, many investors tend to violate the work ethics while workingwith the enterpreneurs and local goverment. This study aimed to observe TheRole of Islamic Ethic for Synergy Form and Domestic Investment Contributionamong the Enterpreneurs and Goverment of Aceh. This is a qualitative descriptive study using survey method. The respondents were enterpreneurs andlocal Government of Aceh. The results of this study show that the Islamic ethic has important role in forming work synergy between the enterpreneurs and Aceh Government contributing to the invesments in Aceh.
Analisis Strategi Komunikasi Pengelolaan Zakat, Infak dan Sedekah ( ZIS ) melalui Media Sosial (Studi Kasus Rumah Zakat Banda Aceh) Rahmawati Rahmawati
ZAWA: Management of Zakat and Waqf Journal Vol 2, No 1 (2022): ZAWA: MANAGEMENT OF ZAKAT AND WAQF JOURNAL
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/zawa.v2i1.6044

Abstract

This study aims to determine the communication strategy for the management of Zakat, Infaq and Alms (ZIS) through social media at Rumah Zakat Banda Aceh. social media at Rumah Zakat Banda Aceh.
Pengaruh Kualitas Layanan terhadap Loyalitas Pelanggan Bamboo Coffee dan Resto di Lhokseumawe Amanda Rizkillah; Suryani Suryani; Rahmawati Rahmawati
MBIA Vol 19 No 1 (2020): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (471.246 KB) | DOI: 10.33557/mbia.v19i1.866

Abstract

Bamboo Coffee and Resto become a restaurant that is great demand because it serves a variety of menu choices that continue to improve the quality of service to stay afloat and compete. This study discusses analyzing how to affect service quality on customer loyalty in Bamboo Coffee and Resto in Lhokseumawe. The sampling technique used was accidental sampling with a total sample of 94 consumers and multiple regression analysis as a data analysis technique. SERVQUAL Theory is a theory used to measure the quality of services, namely the dimensions of reliability (X1), responsiveness (X2), guarantee (X3), empathy (X4) and tangible (X5). The results of this study indicate the facts both simultaneously and simultaneously, this dimension has a very significant influence on customer loyalty.
Co-Authors Amanda Rizkillah Eko Budianto Fauzani Fauzani Iskandar Iskandar Khairul Putriana Malahayatie Malahayatie Nurul Fahmi Putri Sri Anita Suryani Suryani Suryani Suryani