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All Journal Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-Kharaj: Journal of Islamic Economic and Business Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Journal Of Sharia Banking Islamic Circle Journal Of Islamic Social Finance Management Jurnal Studi Pemerintahan dan Akuntabilitas JIFTECH: Journal Of Islamic Financial Technology INASJIF Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Proceedings of International Conference on Islamic Economic Finance and Social Finance

lestari, sry lestari

UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Author-ID : 4146485

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences Other

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PENGARUH KEPEMILIKAN APLIKASI MOBILE BANKING DAN GAYA HIDUP TERHADAP PERILAKU KONSUMTIF DI KALANGAN MAHASISWA viola, syarifah viola; hamid, azwar hamid; lestari, sry lestari
Journal of Islamic Financial Technology Vol 3, No 1 (2024): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i1.12302

Perkembangan aplikasi mobile banking dan gaya hidup di Indonesia bisa menjadi faktor penting bagi perkembangan industri perbankan di Indonesia. Peningkatan gaya hidup mahasiswa mampu mendorong pertumbuhan pangsa pasar industri perbankan. Mahasiswa sering dianggap sebagai kelompok yang paling melek teknologi karena mereka tumbuh dan belajar di era digital. Rumusan masalah dalam penelitian ini adalah apakah terdapat pengaruh kepemilikan aplikasi mobile banking dan gaya hidup terhadap perilaku konsumtif di kalangan mahasiswa. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh kepemilikan aplikasi mobile banking dan gaya hidup secara parsial dan secara simultan terhadap perilaku konsumtif di kalangann mahasiswa. Metodologi penelitian yang digunakan adalah pendekatan kuantitatif dengan metode survei. Populasi penelitian ini adalah seluruh mahasiswa aktif di Kota Padangsidimpuan dengan sampel sebanyak 100 mahasiswa. Teknik pengambilan sampel menggunakan sampling insidental. Teknik pengumpulan data menggunakan kuesioner dan kemudian pengolahan data menggunakan software SPSS versi 26.0. Analisis data menggunakan regresi linear berganda. Hasil penelitian menunjukkan tidak terdapat pengaruh signifikan kepemilikan aplikasi mobile banking terhadap perilaku konsumtif di kalangan mahasiswa, hal ini dibuktikan dengan nilai sebesar 0,313 0,05 dan nilai thitung 1.014 ttabel 1.984. Sedangkan gaya hidup berpengaruh signifikan terhadap perilaku konsumtif di kalangan mahasiswa, hal ini dibuktikan dengan nilai signifikansi yaitu sebesar 0,000 0,05 dan nilai thitung 9.560 ttabel 1.984. Kepemilikan aplikasi mobile banking dan gaya hidup berpengaruh signifikan terhadap perilaku konsumtif di kalangan mahasiswa, dibuktikan dengan nilai koefisien determinasi 0,598 atau 59.8%, sedangkan sisanya dipengaruhi oleh variabel lain. Dengan demikian, kepemilikan aplikasi mobile banking dan gaya hidup berpengaruh positif terhadap perilaku konsumtif di kalangan mahasiswa. Kata kunci: Aplikasi Mobile Banking, Gaya Hidup, Perilaku Konsumtif

Determinants of The Use of The Flip Application on UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan Students Hutagalung, Muhammad Wandisyah R; Elce, Furkan; Lestari, Sry
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8396

Islamic banking study program students who already know the admin fee-free application, but only a few use the admin fee-free application. Even though it is easy and useful, only some students use the flip application, and some students still believe in doing transactions using the flip applicationfeel more comfortable doing transactions directly to the ATM. The formulation of the problem in this study is whether there is a partial and simultaneous effect of ease, benefit, and trust in the decision to use the flip application for students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary State Islamic University Padangsidimpuan. Objective the research was to determine the effect of convenience, usefulness, trust partially and simultaneously on students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. The theory in this study uses the factors that influence decisions, namely: perceived usefulness, perceived ease of use, attitude, and behavioral intention. This research is a quantitative research, the data source used is primary data and data collection using questionnaires and documentation techniques.The research sample is 89 samples with techniques purposive sampling. The data analysis techniques used in this study are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test (R 2 ), partial test (t test), and simultaneous significant test (F test), multiple linear analysis. The results of the study show that partially the variables of convenience, usefulness and trust influence the decision to use the flip application in students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary Padangsidimpuan State Islamic University. Simultaneously the variables of convenience, usefulness, and trust influence the decision to use the flip application in students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan.

Msme Financing Strategy In Improving Customer Business In The Time Of Covid 19 (Case Study At PT. Bank Sumut Syariah Sibolga Branch) Lestari, sry; Hasibuan, Abdul Naser; Sihotang, Mislawati
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The development of a business will help overcome the unemployment problem, given the large number of MSMEs in this country, so that it can increase job opportunities and opportunities to open businesses, which in turn encourages regional and rural development. One of the objectives of sharia microfinance for the economic development of the community is by providing financing capital to customers to develop businesses that aim to manage mitigation. This type of research is a qualitative research, in descriptive form. Sources of data used are primary and secondary data sources. Data was collected using interview, documentation, and observation techniques. The results of this study conclude that the MSME financing strategy in increasing customer business during the covid 19 period uses a murabahah contract in the MSME financing strategy, namely banks must manage mitigation appropriately and banks must focus on industries that have prospects to be financed. during the Covid 19 period in developing business, there was a rapid decline so that it affected the decline in income for several customer businesses that had done MSME financing at PT. Bank of North Sumatra Sibolga Sharia Branch. This is different from before the Covid 19 period, which is happening now, the development of the customer's business is still developing.

Prudential Banking Principle Implementation In Murabahah Financing On PT. Sumut Sharia Bank Branch Padangsidimpuan Lestari, sry; Renfiana, Lilis; Arianti, Fitri
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Based on the data on the number of murabahah financing customers of PT. Bank Sumut Padangsidimpuan Sharia Branch As of 31 December 2016-2019. In 2017 it decreased by 5.15 percent, in 2018 it experienced an increase of 5.36 percent, and in 2019 it experienced an increase of 6.01 percent. Therefore researchers are interested in researching the implementation of prudential banking principles in murabaha financing. The purpose of this study was to determine the application of the prudential banking principle in murabahah financing at the Padangsimpuan Branch of Bank Sumut Syariah. The theory used in this study is the theory of applying, the theory of the prudential principle, the theory of murabaha, the theory of murabaha financing. This research is descriptive qualitative with data collection techniques using interviews, observation, and documentation, while the data sources used are primary data and secondary data. From the results of this study it can be concluded that the implementation of prudential banking principle is the 5C principle of character, capacity, capital, economic conditions, collateral. collateral). The implementation of the prudential banking principle for murabahah financing has implemented the 5C principle. It can be seen that in 2018 and 2019 there has been an increase.

Co-Authors afni lestari Alfadri, Ferri Ali Hardana Angraini, Ririn Arianti, Fitri Armayanti, Yuni Arti Damisa Aulia Risky, Winda Batubara, Rizka Yanti Damri Batubara Elce, Furkan fatahuddin siregar Fitrah Fitrah, Fitrah hamid, azwar hamid hanafi hanafi Harahap, Darwis Harahap, Safitri Hasibuan, Abdul Naser hasibuan, salsabilah Hutagalung, Muhammad Wandisyah R Hutagalung, Nursakiah Ismail Pulungan Jafar Nasution Kamaluddin Kamaluddin lismawati lismawati Mirna Sari Muhammad Wandisyah Hutagalung Nasution, Muhammad Arsyad Nofinawati Nofinawati nofriyanti nofriyanti Novianti Hasibuan, Janiah Renfiana, Lilis Sarmiana Batubara Sihotang, Mislawati suci suci syuaib nasution viola, syarifah viola Windari, Windari Zein, Aliman Syahuri

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Journal : JIFTECH: Journal Of Islamic Financial Technology