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All Journal Jurnal MD Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi Jurnal Perspektif Ekonomi Darussalam Edunomics Journal Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Ilmiah Mahasiswa Ekonomi Islam (JIMEKI) JIMEBIS JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh Journal of Malikussaleh Public Economics Jurnal Ekonomi Regional Unimal EKOBIS SYARIAH Grimsa Journal of Business and Economics Studies JIMEKA
Israk Ahmadsyah
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Library & Information Science Social Sciences Other

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PENGARUH KUALITAS PELAYANAN DAN PEMAHAMAN PRODUK TERHADAP MINAT MENABUNG PADA BANK SYARIAH INDONESIA (STUDI PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UNIVERSITAS ISLAM NEGERI AR-RANIRY) Tarigan, Ismail Rasyid Ridla; Rahmi, Fajri; Ahmadsyah, Israk
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.2670

Abstract

Kualitas pelayanan merupakan salah satu unsur penilaian konsumen/nasabah terhadap perusahaan yang bergerak dalam bidang jasa. Pelayanan yang berkualitas dapat diwujudkan dengan sikap yang jujur, melayani dengan rendah hati dan tidak meremehkan konsumen, dalam pelayanan menggunakan pedoman Islam. Dari segi pemahaman produk mahasiswa FEBI UIN Ar-Raniry dengan latar belakang pendidikan yang sama mempunyai pemahaman yang sama mengenai Bank Syariah, faktanya pemahaman mahasiswa banyak yang mengetahui. Penelitian ini dilakukan pada mahasiswa FEBI UIN Ar-Raniry. Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan dan pemahaman produk terhadap minat menabung. Penelitian ini dilakukan dengan pendekatan kuantitatif, penyebaran kuesioner dilakukan terhadap 100 responden yang sebelumnya ditentukan dengan teknik purposive sampling. Dalam membuktikan dan menganalisis data, maka digunakan Uji validitas, reliabilitas, Uji asumsi klasik, uji regresi linear berganda serta uji F(simultan) dan uji T (Parsial). Hasil penelitian menunjukkan bahwa Variabel kualitas pelayanan dan pemahaman produk secara parsial berpengaruh dan signifikan terhadap minat menabung mahasiswa FEBI UIN Ar-Raniry pada Bank Syariah Indonesia karena memiliki nilai signifikan 0,000< 0,05. Penelitian ini dapat disimpulkan bahwa bahwa nilai R2 (R square) sebesar 0,703 yang berarti 70,3%. Hal ini menunjukkan bahwa minat menabung mahasiswa FEBI pada Bank Syariah Indonesia dapat dijelaskan oleh variabel kualitas pelayanan dan pemahaman produk . Kata Kunci: Kualitas Pelayanan, Pemahaman Produk, Minat Menabung
A Holistic Approach to Enhancing MSME Performance Fadila Khairani; Ana Fitria; Muhammad Syauqi Bin-Armia; Israk Ahmadsyah
Edunomics Journal Vol. 6 No. 2 (2025): Edunomics Journal
Publisher : FKIP, Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37304/ej.v6i2.23184

Abstract

This study investigates the impact of financial literacy, financial inclusion, and digital payment adoption on the performance of Micro, Small, and Medium Enterprises (MSMEs). Using a quantitative approach with primary data collected through structured questionnaires, the analysis reveals that while not all individual variables show significant effects, together they contribute meaningfully to improving MSME performance. The findings suggest that financial literacy alone is not sufficient unless supported by access to finance, appropriate digital tools, and practical implementation strategies. This emphasizes the need for a more integrated approach in empowering MSMEs, involving training, simplified financial processes, and the use of financial technology
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.
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH BERSUBSIDI SYARIAH PADA BANK ACEH SYARIAH CABANG JEURAM Ridla Tarigan, Ismail Rasyid; Zahidi, Mohd; Ahmadsyah, Israk
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25551

Abstract

Risk in Subsidized Home Ownership Financing occurs when customers have difficulty paying financing due to irregular income. Therefore, the longer the financing period, the risk borne by the bank will increase. This study aims to analyze the application of risk management in preventing potential losses due to the large number of customers with irregular income. The method used is qualitative with a descriptive approach. Researchers used two data sources, namely primary data and secondary data. The results showed that the house could be built after going through the mechanism established by Bank Aceh Syariah Jeuram Branch. The application of risk management is carried out by analyzing 5C + 1S (Character, Capacity, Capital, Collateral, Condition of economy, and Sharia Compliance) due to differences in payment mechanisms and income receipts between customers with fixed and irregular income. Obstacles occur when Subsidized PKR customers want to apply for financing without meeting the requirements or do a murabaha contract before the house is ready to be occupied, so the bank needs to explain transparently so that risk management runs smoothly. Thus, overall risk management at Bank Aceh Syariah is in accordance with the DSN-MUI fatwa which is supervised by the Sharia Supervisory Board.
Understanding E-Money Preferences Among Students: A Case Study at FEBI UIN Ar-Raniry, Banda Aceh, Indonesia Muksalmina, Muksalmina; Ahmadsyah, Israk; Dianah, Azimah
Grimsa Journal of Business and Economics Studies Vol. 1 No. 1 (2024): January 2024
Publisher : Graha Primera Saintifika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61975/gjbes.v1i1.11

Abstract

As digital financial transactions continue to gain traction globally, understanding the factors that influence the adoption of electronic money (e-money) is crucial. This research paper delves into the behavioral aspects behind the use of e-money within a specific academic community. In a quantitative study carried out at Ar-Raniry State Islamic University's Faculty of Islamic Economics and Business (FEBI), we investigated the impact of utility, convenience, and security on students' interest in selecting e-money as their preferred payment method. The randomized sample of 97 students represented the faculty's diverse population. Our findings emphasize the critical roles of utility and convenience in shaping students' interest in e-money adoption, with attributes like speed, efficiency, and practicality significantly driving their embrace of electronic payment solutions. The research underscores the importance of designing e-money systems that prioritize utility and convenience to attract users, particularly in educational settings, while also providing insights for policymakers and financial institutions seeking to promote digital financial inclusion.
MODEL INVESTASI DANA INFAK BAITUL MAL ACEH: KONSEP BISNIS PEMBANGUNAN PABRIK PADI Mahdi, Sayed; Ahmadsyah, Israk; Jais, Muhammad
Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi Vol 8, No 2 (2023): Mei 2023
Publisher : Accounting Departement Economics and Business Faculty Syiah Kuala University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jimeka.v8i2.24966

Abstract

The mandate of the Governor of Aceh Regulation No. 8 of 2022 regarding the management of Zakat and Infak emphasizes the management roles of Zakat and Infak along with the distribution mechanism and investment model according to Sharia principles. Baitul Mal Aceh, as the institution managing ZISWAF, must develop important strategic programs to reduce poverty in Aceh province, increase income redistribution, and enhance the welfare of the Acehnese people. The agricultural sector is essential to this study's consideration as an investment model for BMA Infak funds because it is the primary livelihood of the Acehnese people. This study uses a qualitative approach by applying SWOT analysis and the Business Model Canvas. The findings support the notion that combining BMA waqf assets with a partnership structure with the PEMA and the concepts of profit sharing, and ijarah will improve the investment model of BMA infaq funds with the mechanism of building a rice mill.
Co-Authors Aja Aulia marzelin Ana Fitria Ana Fitria Azharsyah Ibrahim Azimah Dianah Cindy Rahayu Cut Dian Fitri Dhea Navisha Evy Iskandar Fadila Khairani Harianto Arbi Hasna Lathifah Hasnita, Nevi Irvan Noptriyani Ismuadi Ismuadi Isnaliana Isnaliana Lianda Lianda Machfirah, Putri Muhammad Jais Muhammad Jais, Muhammad Muhammad Luthfi Muhammad Syauqi Bin-Armia Mukhdasir Mukhdasir Nana Putrawardana Nirlia Okta Wirda Novtari Isda, Milda Rahmati Rahmati Rahmi, Fajri Ridla Tarigan, Ismail Rasyid Riza Aulia Azhary Safarul Aufa Safarul Aufa Sayed Mahdi Sayed Mahdi Sayid Abrar Tarigan, Ismail Rasyid Ridla Ulfa Noviana Vona Dimitha, Dea Wediansyah Wediansyah Zahidi, Mohd Zaida Rizqi Zainul, Zaida Rizqi