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All Journal Jurnal Samudra Ekonomi dan Bisnis Amwaluna Jurnal Ekonomi dan Keuangan Syariah International Journal of Zakat (IJAZ) AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Edunomics Journal JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Investasi Islam Jurnal Ilmiah Mahasiswa Ekonomi Islam (JIMEKI) Jurnal Akuntansi dan Keuangan (JAK) Jurnal Ar-Ribh Share: Jurnal Ekonomi dan Keuangan Islam Journal of Social Research JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Jurnal Ekonomi Regional Unimal Kunuz: Journal of Islamic Banking and Finance Mutanaqishah: Journal of Islamic Banking Journal of Accounting Research, Organization and Economics (JAROE) Jurnal Ilmiah Basis Ekonomi dan Bisnis EKOBIS SYARIAH Journal of Principles Management and Bussines Proceedings of Femfest International Conference on Economics, Management, and Business JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Proceedings of Femfest International Conference on Economics, Management, and Business The Indonesian Journal of Islamic Economics Research
Ana Fitria
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Library & Information Science Social Sciences Other

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Analisis Dampak Program PNPM Terhadap Pemberdayaan Kelompok Simpan Pinjam Perempuan (SPP) Ditinjau Dari Pendekatan Maslahah Hayatul Khusna; Muhammad Zulhilmi; Ana Fitria
EKOBIS SYARIAH Vol 3, No 2 (2019)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (805.428 KB) | DOI: 10.22373/ekobis.v3i2.10044

Abstract

Penelitian ini mengkaji tentang Analisis Dampak Program PNPM Terhadap Pemberdayaan Kelompok Simpan Pinjam Perempuan (SPP) Ditinjau Dari Pendekatan Maslahah, tujuan dari penelitian ini adalah Untuk mengetahui dampak modal PNPM terhadap anggota SPP dan peningkatan pendapatan,perkembangan usaha, dan kegiatan kerja Di desa Gampong Blang. Penelitian ini menggunakan metode kualitatif berhubungan dengan ide, persepsi, pendapat atau kepercayaan objek yang diteliti dampak program PNPM terhadap anggota SPP di desa Gampong Blang dengan data yang di peroleh dari hasil wawancara. Hasil penelitian ini menunjukan bahwa bantuan modal PNPM-MP terhadap dana SPP sesuai dengan konteks Islam, dengan pemberian modal PNPM anggota SPP mampu mengembangkan usaha dan meningkatkan pendapatannya.
Analisis Kajian Pertama Potensi PT Bank Aceh Syariah Menjadi Emiten di Pasar Modal Syariah Zulfahri Zulfahri; Irham Fahmi; Ana Fitria
EKOBIS SYARIAH Vol 4, No 2 (2020)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (569.972 KB) | DOI: 10.22373/ekobis.v4i2.10054

Abstract

Penelitian ini untuk mengetahui Potensi PT. Bank Aceh Syariah Menjadi Emiten di Pasar Modal Syariah. Data yang digunakan adalah data hasil wawancara dengan pihak Bursa Efek Indonesia (BEI) Cabang Aceh, Broker Phintraco Sekuritas Aceh, Staf Officer Bursa Efek Indonesia (BEI) Aceh, PT. Bank Aceh Syariah dan Tokoh Ekonomi. Metode analisis yang digunakan menggunakan metode koding data hasil wawancara. Hasil penelitian ini menyimpulkan bahwa PT. Bank Aceh Syariah memiliki potensi besar untuk menjadi emiten di Pasar Modal Syariah yang didasarkan atas potensi keuangan, potensi standar pelayanan, potensi kualitas sumber daya manusia dan potensi jaringan kantor.
Customer’s Perception and Service Quality on Mobile Banking Usage Nevi Hasnita; Ana Fitria; Riza Aulia; Mira Dira Darmah
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

Abstract

The evolution of technology necessitates that banking creates an innovative and useful product for customers, such as mobile banking. This study examines the impact of perception and service quality on mobile banking usage through a quantitative methodology with a sample size of 100 respondents and the method of multiple regression analysis. Partial test results indicate that perceived benefits, perceived convenience, and service quality influence customer interest in mobile banking, however, perceived risk has no significant effect. The simultaneous test indicates that all variables have a favorable effect on client interest in mobile banking.
IMAGE AND SERVICE ACCESSORIES: THE EFFECT ON CUSTOMER LOYALTY Muhammad Adnan; Ana Fitria; Maulidia Agustina
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.510

Abstract

Traditional use of the word "loyalty" refers to a customer's commitment to certain banking-related goods or brands. This research intends to assess the influence of image and service accessories on customer loyalty at the Singkil Branch of PT. Bank Aceh Syariah. All clients of the Bank Aceh Syariah Singkil Branch are the population for this associative quantitative study, and the sample approach is accidental sampling. A questionnaire with a Likert scale that was evaluated for validity and reliability was used to gather data. The findings of multiple linear regression analysis reveal that image and accessories have a considerable influence on consumer loyalty, either concurrently or separately. These findings emphasize the significance of a favorable image and appealing service accessories in fostering customer loyalty at the PT. Bank Aceh Syariah Singkil Branch. The implication is that businesses must continually monitor the image they convey to their clients and assure the provision of appealing service accessories.
PENGARUH PENGETAHUAN, KEPERCAYAAN, DAN PELAYANAN TERHADAP MINAT MUZAKKI MEMBAYAR ZAKAT DI BAITUL MAL KOTA BANDA ACEH Irwanda, Muhammad Luthfi; Hasnita, Nevi; Fitria, Ana
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25543

Abstract

Penelitian ini bertujuan untuk menguji pengaruh pengetahuan, kepercayaan, dan pelayanan terhadap minat muzakki membayar zakat di Baitul Mal Kota Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis data regresi linier berganda. Data penelitian ini menggunakan data primer dalam bentuk kuesioner dengan pengolahannya menggunakan SPSS 23. Pengujian hipotesis dilakukan dengan uji parsial (uji-t) dan uji simultan (uji-F) dan tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa secara parsial pengetahuan dan pelayanan tidak berpengaruh terhadap minat muzakki membayar zakat, sedangkan kepercayaan berpengaruh positif dan signifikan terhadap minat muzakki membayar zakat. Secara simultan pengetahuan, kepercayaan, dan pelayanan berpengaruh dan signifikan terhadap minat muzakki membayar zakat pada Baitul Mal Kota Banda Aceh.
PEMANFAATAN TEKNOLOGI DALAM PENGEMBANGAN PRODUK TABUNGAN DAN PENGARUHNYA TERHADAP PENINGKATAN NASABAH PADA PT. BANK SYARIAH INDONESIA KC ACEH Hasnita, Nevi; Fitria, Ana; Maidari, Elisa
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i1.17196

Abstract

Bank Syariah Indonesia’s product development entails the application of technology to the creation of product features for Wadiah and Mudharabah savings products, particularly the online account opening method. The purpose of this study was to establish the form of product feature development implemented by Bank Syariah Indonesia KC Aceh, as well as the impact of product development on client acquisition. This research use descriptive qualitative methodology. According to the findings of the study, Bank Syariah Indonesia’s product development may be categorized as modification and growth of product lines and complementary items. The results also indicate that the creation of this product was successful, as evidenced by the increase in the number of new Bank Syariah Indonesia clients who take advantage of the product's new features. In the first year after the launch of this feature in 2020, the number of customers increased by 15,992 or 96.58% compared to the previous year's total of 8,135 clients. This demonstrates that the usage of technology in Bank Syariah Indonesia’s product development has a favorable influence on customer growth.
Determinan Minat Menabung Masyarakat Banda Aceh Pada Bank Aceh Syariah Machfirah, Putri; Ahmadsyah, Israk; Fitria, Ana
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 2 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i2.25422

Abstract

Adanya dinamika dan fluktuasi dalam perkembangan jumlah nasabah pada PT Bank Aceh Syariah tentu memperlihatkan minat masyarakat untuk memutuskan pilihannya, baik untuk tetap menjadi nasabah atau tidak. Minat masyarakat untuk menjadi bagian dari Bank Aceh Syariah tentu dipengaruhi oleh banyak faktor termasuk faktor motif rasional, pengetahuan, dan religiusitas. Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan simultan variabel motif rasional, pengetahuan, dan religiusitas terhadap minat menabung masyarakat Rukoh Kota Banda Aceh pada Bank Aceh Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiasi. Populasi dalam penelitian ini adalah 3.853 dan sampel 100 orang. Teknik pengumpulan data melalui kuesioner. Analisa data menggunakan SPSS Versi 26. Berdasarkan hasil penelitian diketahui bahwa motif rasional, pengetahuan dan religiusitas berpengaruh secara bersama-sama terhadap minat menabung masyarakat Rukoh. Motif rasional, pengetahuan dan religiusitas berpengaruh terhadap minat menabung masyarakat Rukoh Kota Banda Aceh. Saran peneliti agar pihak bank terus melakukan sosialisasi kepada masyarakat terkait bank dan masyarakat terus meningkatkan pengetahuannya tentang bank.
The Maqashid Sharia Index: An Innovative Tool for Evaluating Corporate Performance in IDX-MES BUMN 17 Fitria, Ana; Desiana, Rina; Azzuhra, Alfia; Iskandar, Evy; Marwa, Inayah Putri
Kunuz: Journal of Islamic Banking and Finance Vol 4 No 2 (2024)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v4i2.1206

Abstract

Company performance is not only focused on internal profits but also considers external benefits, which can be evaluated using the Maqasid Sharia Index (MSI) method. This research focuses on companies listed on the IDX-MES BUMN 17 Sharia Index, launched on April 29, 2021. The study incorporates three key concepts: individual education (tahzib al-fard), the establishment of justice (iqamat al-adl), and the promotion of welfare (jalb al-mashlahah). A descriptive quantitative analysis was conducted by measuring performance through weighting and ranking based on performance indicators derived from the annual reports of 14 companies for the period 2021-2023. The TLKM achieved the highest MSI score with a ratio of 32.13%, while PTPP ranked last with a ratio of 17.38%. Overall, the companies listed on the IDX-MES BUMN 17 index demonstrated low performance based on the MSI, with ratios ranging from 17% to 30%, and an average ratio of 21.52% out of a total weight of 100%
PENGARUH MANFAAT, KEMUDAHAN, DAN KEAMANAN TERHADAP MINAT PENGGUNAAN QUICK RESPONSE INDONESIAN STANDARD PADA PELAKU UMKM DI KECAMATAN SAWANG, KABUPATEN ACEH SELATAN. Salja, Salsabilla Alfianti; Fitria, Ana; Tarigan, Ismail Rasyid Ridla
Jihbiz: Global Journal of Islamic Banking and Finance Vol 7, No 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.23895

Abstract

Interest Perception of Benefits and Ease of Use are important factors in increasing individuals' interest and support for the use of technology. Additionally, there is also the factor of Security, which leads to increased trust among individual customers. This study aims to determine the influence of Benefits, Ease of Use, and Security on the Interest in Using the Quick Response Indonesian Standard among SMEs in the Sawang District, South Aceh Regency. This study uses a quantitative method, and the technique used is simple random sampling. The population used is SMEs in the Sawang District, South Aceh Regency, with a sample size of 100 respondents through questionnaire surveys. The results of multiple linear regression analysis assisted by SPSS showed that partially, the Benefits variable does not affect interest, while the Ease of Use and Security variables have a significant positive effect on interest. However, all three independent variables simultaneously have a positive effect on the Interest in Using the Quick Response Indonesian Standard among SMEs in the Sawang District, South Aceh Regency.AbstrakPersepsi Manfaat dan Kemudahan merupakan faktor penting dalam meningkatkan minat dan dukungan seseorang terhadap penggunaan teknologi. Selain itu terdapat juga faktor Keamanan yang mengarah pada peningkatkan kepercayaan di antara pelanggan individu. Penelitian ini bertujuan untuk mengetahui pengaruh Manfaat, Kemudahan, dan Keamanan Terhadap Minat Penggunaan Quick Response Indonesian Standard Pada Pelaku UMKM di Kecamatan Sawang, Kabupaten Aceh Selatan. Penelitian ini menggunakan metode kuantitatif serta teknik yang digunakan pada penelitian ini adalah simple random sampling. Populasi yang digunakan yaitu pelaku UMKM di Kecamatan Sawang, Kabupaten Aceh Selatan dengan jumlah sampel 100 responden melalui penyebaran kuisioner angket. Hasil olahan regresi linier berganda dibantu SPSS, ditemukan bahwa secara parsial variabel Manfaat tidak berpengaruh terhadap minat, sedangkan variabel Kemudahan dan Keamanan berpengaruh positif signifikan terhadap minat. Akan tetapi ketiga variabel bebas tersebut secara simultan berpengaruh positif Terhadap Minat Penggunaan Quick Response Indonesian Standard Pada Pelaku UMKM di Kecamatan Sawang, Kabupaten Aceh Selatan. Penelitian ini diharapkan bermanfaat bagi akademisi sebagai referensi, bagi pelaku usaha untuk memahami pentingnya QRIS, dan bagi pemerintah untuk mengevaluasi kebijakan pembayaran digital.
What Sparks Student Investment? The Effects of Financial Literacy, Gender, and Income Desiana, Rina; Fitria, Ana; Nada, Qathrin
Journal of Principles Management and Business Vol. 3 No. 01 (2024): June 2024
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v3i01.171

Abstract

This research aims to measure the influence of financial literacy, gender and income variables on investment interest. One of the quantitative methods used in this study is proportionate random sampling. 392 of the population participated in this study after filling in a Google Form questionnaire and were active students at UIN Ar-Raniry Banda Aceh. Multiple linear regression analysis was done. With the use of SPSS, gender was found to have a marginal effect on student’s investment interest in UIN Ar-Raniry Banda Aceh, while financial knowledge and income variables were found to have a very positive effect. The research and trial results show that F count > F table. For instance, if F count value 47.251 > F table 2.672 the level of significance for the p-value is smaller (<) than 0.05 (p=0). So that financial literacy, income, and gender simultaneously have an effect on the investment interest of student’s UIN Ar-Raniry Banda Aceh.
Co-Authors Abdul Jalil Salam Abdushamad, Abdushamad Abrar Amri Ade Risma Aida Yulia Aida Yulia, Aida Akmal Riza Almira Keumala Ulfah Azharsyah Ibrahim Azimah Dianah Azzuhra, Alfia Cut Afrianandra Cut Afrianandra, Cut Dhea Purnama Nurman Evy Iskandar Fadila Khairani Fitri, Cut Elda Ram Hasnita, Nevi Hayatul Khusna Irham Fahmi Irwanda, Muhammad Luthfi Ismail Rasyid Ridla Tarigan Israk Ahmadsyah Jefri Andika Fernas Linda Linda Linda Linda Machfirah, Putri Maidari, Elisa Marwa, Inayah Putri Maulidia Agustina Midesia, Shelly Mira Dira Darmah Muhammad Adnan Muhammad Rizki Muhammad Syauqi Bin-Armia Muhammad Zulhilmi Nada, Qathrin Nadilla, Trie Nanda, Teuku Syifa Fadrizha Raya Puspita Sari Hasibuan Rina Desiana Riza Aulia Safrida, Eli Sagala, Wahyu Putri Salja, Salsabilla Alfianti Selfi Afriani Gultom Suri Purnami - Susilawati Susilawati Syahminan Syahminan Teuku Syifa Fadrizha Nanda Ulfa Noviana Zahra Zulchayra Zulfahri, Zulfahri