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PENGARUH LOKASI, KUALITAS PELAYANAN DAN PROSEDUR PEMBIAYAAN TERHADAP KEPUTUSAN NASABAH DALAM MENGAMBIL PEMBIAYAAN KONSUMTIF MULTIGUNA PADA BANK ACEH CAPEM KAMPUNG AIE SIMEULUE Yuyun Nanik Rahayu; Farid Fathony Ashal; Akmal Riza
Journal of Sharia Economics Vol 4 No 1 (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.v4i1.2396

Keputusan nasabah mengambil pembiayaan tentunya diawali dengan kesadaran dalam pemenuhan kebutuhan. Penelitian ini bertujuan untuk mengetahui pengaruh lokasi, kualitas pelayanan, dan prosedur pembiayaan terhadap keputusan nasabah mengambil pembiayaan konsumtif multiguna pada Bank Aceh Capem Kampung Aie. Penelitian menggunakan analisis regresi linier berganda menggunakan program SPSS. Teknik pengambilan sampel probability sampling jenis simple random sampling diperoleh jumlah sampel sebanyak 84 nasabah. Hasil penelitian secara parsial hanya lokasi yang tidak berpengaruh terhadap keputusan nasabah, sedangkan variabel kualitas pelayanan dan prosedur pembiayaan berpengaruh terhadap keputusan nasabah dalam mengambil pembiyaan. Namun secara simultan seluruh variabel bebas berpengaruh terhadap variabel terikat.

Kajian Empiris Kepatuhan Wajib Pajak Pengusaha di Kota Banda Aceh Akmal Riza
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol 4 No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v4i1.312

Empirical studies regarding taxpayer compliance with an obligation and obligation to be carried out for every citizen as fulfillment of citizenship in Indonesia, many business people in Banda Aceh City do not report their tax obligations correctly so that the level of individual taxpayer compliance is low and the tax service office as executor of state duties often conducts socialization so that entrepreneurs have a taxpayer ethic in fulfilling their obligations every year. The aim of the study was to determine the effect of taxpayer ethics on individual taxpayer compliance at KPP Pratama Banda Aceh. The research population is all registered WPOP in the city of Banda Aceh (KPP Pratama) using proportionate strafied random sampling technique on 100 entrepreneurs as respondents. The research findings show that the variable of taxpayer ethics has a positive and significant effect on taxpayer compliance in entrepreneurs in the city of Banda Aceh with the hypothesis that the results of simple regression analysis show that the coefficient value is 0.709 and t-count 9.959> t-table 1.984 and a significant level of p-value 0.000 <0.05.

SHARIAH GOVERNANCE, REPUTASI DAN LOYALITAS NASABAH PADA BANK SYARIAH Riza, Akmal; Anadila, Nurraiyana
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.v6i1.25542

Dalam mempertahankan nasabah agar tetap loyal, bank syariah harus senantiasa memperbaiki sistem tata kelola perusahaan supaya dapat lebih kompetitif dibandingkan dengan bank lain. Bank syariah mempunyai kewajiban untuk patuh terhadap prinsip syariah baik dalam instrumen, produk, operasional, praktik, dan manajemennya. Tujuan penelitian ingin menganalsisis pengaruh sharia governance dan reputasi terhadap loyalitas nasabah pada Bank Aceh KCP Aneuk Galong baik secara parsial maupun simultan. Pendekatan kuantitatif dengan menyebarkan kuesioner 100 nasabah dengan regresi menggunakan IBM-Statistic. Hasil penelitian menunjukkan baik secara individu maupun bersama-sama pada variabel sharia governance dan reputasi berpengaruh positif dan signifikan terhadap loyalitas nasabah.

DAMPAK GENERASI Z SERTA KEPUTUSAN MENGGUNAKAN BSI MOBILE Ulfa, Riski Walidaini; Djakfar, Inayatillah; Riza, Akmal
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.v6i2.25566

This research aims to determine the influence of understanding products and service features on decisions Gen-Z to use BSI Mobile. Using quantitative methods with a descriptive approach, and the research sample was obtained 100 respondents using a cluster random sampling technique from Generation Z in Banda Aceh city who used BSI Mobile. Then, based on multiple linear regression analysis, the result were obtained that the variables of product understanding and service features had a positive and significant effect on the decision to use BSI Mobile.

THIRD PARTY FUNDS AND WORKING CAPITAL FINANCING AT ISLAMIC BANKS IN INDONESIA: ARDL-ECM APPROACH Hakim, Lukman; Riza, Akmal
An-Nisbah: Jurnal Ekonomi Syariah Vol 10 No 2 (2023): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v10i2.8712

Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh dana pihak ketiga dan tingkat margin pembiayaan terhadap realisasi pembiayaan modal kerja yang disalurkan bank syariah pada sektor UMKM di Indonesia. Menggunakan data time series selama periode 2014.6-2018.9, model analisis yang digunakan adalah autoregressive distributed lag (ARDL). Penelitian mengungkapkan adanya hubungan kointegrasi jangka panjang antara realisasi pembiayaan dengan dana pihak ketiga dan tingkat margin pembiayaan. Dalam jangka panjang dan jangka pendek, dana pihak ketiga berpengaruh positif dan signifikan terhadap pembiayaan modal kerja. Selanjutnya, tingkat margin berpengaruh negatif dan signifikan dalam jangka pendek, tetapi tidak berpengaruh dalam jangka panjang. Kata kunci: Pembiayaan Modal Kerja, Dana Pihak Ketiga, tingkat Margin Pembiayaan, ARDL-ECM. Abstract: This research aims to analyze the influence of third-party funds and the yield rate of financing on the realization of working capital financing distributed by Islamic banks to the MSMEs sector in Indonesia. Using time series data for the period 2014M6-2018M9, the analysis model used is autoregressive distributed lag (ARDL). The research pointed out that there is a long-term cointegration relationship between the realization of Islamic financing with third-party funds and the yield rate. In the long term and short term, third-party funds have a positive and significant effect on working capital financing. Furthermore, the yield rate has a negative and significant effect in the short term but has no effect in the long term. Keywords: Working capital financing, Third-party funds, Yield rate of financing, ARDL-ECM.

Pengaruh Tingkat Literasi Keuangan Syariah terhadap Keputusan Menggunakan Lembaga Keuangan Syariah (Studi pada Dosen UIN Ar-Raniry) Dahlia, Muna; Ibrahim, Azharsyah; Riza, Akmal
Share: Jurnal Ekonomi dan Keuangan Islam SHARE DISCUSSION SERIES
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v0i0.27707

The Impact of Islamic Financial Literacy on Lecturers’ Decision-Making in Utilizing Islamic Financial Institutions: Evidence from UIN Ar-Raniry - Islamic financial literacy is an extension of financial literacy, encompassing individuals' knowledge and understanding of financial concepts in accordance with Sharia principles. Low levels of Islamic financial literacy can affect the quality of financial decision-making, including decisions to use Islamic financial institutions. This study aims to analyze the influence of Islamic financial literacy on decisions to use Islamic financial institutions among lecturers at Universitas Islam Negeri (UIN) Ar-Raniry. The research employs a quantitative method with a survey approach. Data were collected through questionnaires distributed to 86 lecturers, selected via accidental sampling from the total population of lecturers at UIN Ar-Raniry. Data analysis was conducted using simple linear regression with the assistance of SPSS software. The results show that Islamic financial literacy has a positive and significant effect on decisions to use Islamic financial institutions. This is evidenced by a regression coefficient of 0.171 and a significance value of 0.000 (p < 0.05). The coefficient of determination (R²) of 0.284 indicates that Islamic financial literacy accounts for 28.4% of the variance in decisions to use Islamic financial institutions, while the remaining 71.6% is influenced by other factors not covered in this study. The study concludes that the higher the level of Islamic financial literacy among lecturers, the better their decisions regarding the use of Islamic financial institutions. The implications of this study highlight the importance of improving Islamic financial literacy among lecturers to encourage the use and development of Islamic financial institutions.

ANALISIS KEMUDAHAN DAN PERSEPSI RISIKO SERTA DAMPAK PADA KEPUASAN PENGGUNAAN MOBILE BANKING Anwar, Anwar; Riza, Akmal
Ekonis: Jurnal Ekonomi dan Bisnis Vol 25, No 2 (2023): JURNAL EKONOMI DAN BISNIS (EKONIS)
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/ekonis.v25i2.4260

This study aims to analyze the effect of ease and perceived risk on the satisfaction of using mobile banking. This type of causal associative research with a quantitative approach, a sample of 36 respondents using the Accidental Sampling technique for entrepreneurs in Aceh who make transactions every day using BSI Mobile. Primary data sources by distributing questionnaires using Googleform and data analysis methods or proving the hypothesis using the OLS model with SPSS version 28.0. The results of the study found that the ease of using BSI Mobile has a significant effect on the satisfaction of entrepreneurs conducting m-banking transactions, while perceived risk has no effect on the satisfaction of entrepreneurs using m-banking.Keywords: Ease and perceived risk, customer satisfaction

Kajian Empiris Kepatuhan Wajib Pajak Pengusaha di Kota Banda Aceh Riza, Akmal
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v4i1.312

Empirical studies regarding taxpayer compliance with an obligation and obligation to be carried out for every citizen as fulfillment of citizenship in Indonesia, many business people in Banda Aceh City do not report their tax obligations correctly so that the level of individual taxpayer compliance is low and the tax service office as executor of state duties often conducts socialization so that entrepreneurs have a taxpayer ethic in fulfilling their obligations every year. The aim of the study was to determine the effect of taxpayer ethics on individual taxpayer compliance at KPP Pratama Banda Aceh. The research population is all registered WPOP in the city of Banda Aceh (KPP Pratama) using proportionate strafied random sampling technique on 100 entrepreneurs as respondents. The research findings show that the variable of taxpayer ethics has a positive and significant effect on taxpayer compliance in entrepreneurs in the city of Banda Aceh with the hypothesis that the results of simple regression analysis show that the coefficient value is 0.709 and t-count 9.959> t-table 1.984 and a significant level of p-value 0.000 <0.05.

Analysis Of QRIS Usage Among Generation Z In Banda aceh Adnan, Muhammad; Akmal Riza; Nisa Andaiyani
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9461

The QRIS product issued by Bank Indonesia is one of the conveniences in digital transactions in society, this study aims to analyze the influence of knowledge and social media on Generation Z's interest in using QRIS in Banda Aceh City. The quantitative research approach methodology is associative, with primary data collection through questionnaires distributed to 100 respondents using simple random sampling techniques. Data analysis was carried out using multiple linear regression to test the influence or relationship between variables. The results of the study show that knowledge and social media have a positive and significant effect on Generation Z's interest in using QRIS. Specifically, knowledge has an influence of 79.10% on the interest in using QRIS, while social media contributes 38.50%. The results of the study provide an important contribution to the development of digital marketing strategies in increasing QRIS adoption, especially among Generation Z. The recommendation of this research is for the government, business actors, and digital payment service providers to increase educational and promotional campaigns through social media to increase awareness and use of QRIS in the community.

PENGARUH LOKASI, KUALITAS PELAYANAN DAN PROSEDUR PEMBIAYAAN TERHADAP KEPUTUSAN NASABAH DALAM MENGAMBIL PEMBIAYAAN KONSUMTIF MULTIGUNA PADA BANK ACEH CAPEM KAMPUNG AIE SIMEULUE Nanik Rahayu, Yuyun; Ashal, Farid Fathony; Riza, Akmal
Journal of Sharia Economics Vol. 4 No. 1 (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.v4i1.2396

Keputusan nasabah mengambil pembiayaan tentunya diawali dengan kesadaran dalam pemenuhan kebutuhan. Penelitian ini bertujuan untuk mengetahui pengaruh lokasi, kualitas pelayanan, dan prosedur pembiayaan terhadap keputusan nasabah mengambil pembiayaan konsumtif multiguna pada Bank Aceh Capem Kampung Aie. Penelitian menggunakan analisis regresi linier berganda menggunakan program SPSS. Teknik pengambilan sampel probability sampling jenis simple random sampling diperoleh jumlah sampel sebanyak 84 nasabah. Hasil penelitian secara parsial hanya lokasi yang tidak berpengaruh terhadap keputusan nasabah, sedangkan variabel kualitas pelayanan dan prosedur pembiayaan berpengaruh terhadap keputusan nasabah dalam mengambil pembiyaan. Namun secara simultan seluruh variabel bebas berpengaruh terhadap variabel terikat.

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