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All Journal Jurnal Ilmiah Peuradeun Jurnal EMT KITA J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Ekonis : Jurnal Ekonomi dan Bisnis Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Akuntansi dan Keuangan (JAK) JIMEBIS Share: Jurnal Ekonomi dan Keuangan Islam EKOBIS SYARIAH Indonesian Journal Economic Review (IJER) An-Nisbah: Jurnal Ekonomi Syariah
Akmal Riza
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Humanities Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Strategy For Developing MSME Through Sharia Microfinance Institutions Riza, Akmal; Arifin, Muhammad; Nazar, Nazar
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ssanfc19

Abstract

Providing access to financing to Micro, Small and Medium Enterprises (MSMEs) carried out by banking financial institutions and microfinance institutions can have a positive impact on the development of MSMEs. The development of MSMEs can be carried out by offering financing products based on sharia principles. This research aims to determine the strategies and obstacles of LKMS Mahirah Muamalah in helping the development of MSMEs in the City of Banda Aceh. This research uses a qualitative descriptive method with field research data collection through interviews, observation and documentation. The research results show that LKMS Mahirah Muamalah carries out 3 types of strategies, namely: information provision strategy, provision of financing products, and service strategy. Then the obstacles faced by LKMS Mahirah Muamalah are divided into 2, namely intern (There is still a lack of human resources/employees, distribution of financing is still limited), as for extern obstacles: There is still minimal public literacy regarding LKMS, weak understanding and management skills of MSMEs
THE INFLUENCE OF LIQUIDITY, SOLVENCY AND FINANCING DISTRIBUTION ON THE PROFITABILITY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA (PERIOD 2022-2024) Abdushamad, Abdushamad; Fitria, Ana; Riza, Akmal
Jurnal Akuntansi dan Keuangan (JAK) Vol 30 No 2 (2025): JAK Volume 30 No 2 Tahun 2025
Publisher : Faculty of Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jak.v30i2.4141

Abstract

One of the primary metrics used to evaluate the success of Indonesia's Islamic Commercial Banks (BUS) is profitability. The purpose of this study is to examine how the financing distribution (FDR), solvency (DER), and liquidity (CR) affected BUS's return on assets (ROA) during the period. Multiple linear regression was used to evaluate 39 observations of secondary data from 13 BUS. The findings show that ROA is positively and significantly impacted by CR and FDR, but not significantly by DER. These three factors together account for 62% of the variation in ROA. The findings emphasize the necessity of good liquidity management and funding distribution optimization in increasing the profitability of Islamic banks in Indonesia. This study's practical implications give management insights for boosting liquidity and financing methods in Islamic banking institutions, hence strengthening financial performance.
Positive Impact of Audit Quality on Sharia Banks Arifin, Muhammad; Riza, Akmal; Ksrisya, Vira Clarissa
EKOBIS SYARIAH Vol. 8 No. 1 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i1.23490

Abstract

Sharia banking can thrive by using the company's financial success, which is closely aligned with the audit process. The purpose of the audit task is to acquire evidence and assess it impartially to determine if the audit criteria are satisfied, so ensuring a high-quality audit and preventing fraud. Subsequently, a study was conducted to ascertain the influence of ethical factors and auditor expertise on the level of audit excellence in the financial statements of Islamic banks in Banda Aceh. The research employed a quantitative approach, utilizing the multiple linear regression model for data analysis. The primary data was collected through a questionnaire and processed using IBM Statistics to test statistical hypotheses. The study findings indicate that both ethical factors and audit experience have a favorable influence on the quality of audits conducted by Islamic institutions.
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

Abstract

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

Abstract

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.
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

Abstract

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 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

Abstract

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.
Internal Audit Function and Good Corporate Governance as Determinants of Fraud Prevention in Islamic Banking: A Case Study of Bank Syariah Indonesia Banda Aceh Iskandar, Evy; Ayumiati; Farhan, Muhammad; Riza, Akmal; Jalil, Ivon
Indonesian Journal Economic Review (IJER) Vol. 5 No. 2 (2025): October
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ijer.v5i2.602

Abstract

This study examines the influence of the internal audit function and Good Corporate Governance (GCG) on fraud prevention within an Islamic banking institution. Employing a quantitative research design with multiple linear regression analysis, data were collected from employees of Bank Syariah Indonesia Banda Aceh through structured questionnaires. The findings reveal that both internal audit and GCG have a positive and statistically significant effect on fraud prevention, both partially and simultaneously. Among the two variables, GCG demonstrates a more dominant contribution in strengthening fraud prevention mechanisms. These results indicate that effective governance structures, supported by risk-based internal audit practices, enhance the bank’s fraud risk management system. This study contributes to the growing body of literature on fraud prevention, particularly within the context of Islamic banking institutions.
Role Stress And Compensation As Determinants Of Job Satisfaction Among Islamic Bank Employees In Banda Aceh City Yulindawati, Yulindawati; Riza, Akmal; Lufita, Nina
Scientific Journal of Students Islamic Economics and Business Vol. 6 No. 2 (2025): JIMEBIS
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/cat6rw71

Abstract

Companies that assign workloads exceeding normal practices inevitably increase employees work burdens and lead employees to choose overtime in order to complete these tasks. High job demands tend to cause employees to experience stress. This condition should therefore be balanced with appropriate compensation provided by the company so that employees feel satisfied in their work. The purpose of this study is to examine the effect of role stress and compensation variables on employee job satisfaction at an Islamic bank in Banda Aceh City. The methodology employed a quantitative approach with an associative research design. A total of 61 employees of the Islamic bank were selected as the sample using random sampling techniques. Primary data were collected through questionnaires, and multiple linear regression analysis was used to test the research hypotheses. The results of the study indicate that role stress and compensation have a significant effect on employee job satisfaction at the Islamic bank in Banda Aceh City. Keywords: Role stress, compensation, job satisfaction
Village Development Inequality in Indonesia: Mapping the Influence of Human Capital and Village Funds Hakim, Lukman; Rizaldi, Muhammad; Suman, Agus; Ekawaty, Marlina; Riza, Akmal; Zhahirah, Nasywa
Jurnal Ilmiah Peuradeun Vol. 14 No. 1 (2026): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811/peuradeun.v14i1.1307

Abstract

Village-level development disparities remain a persistent challenge in Indonesia's broader economic progress. This study aimed to map and analyze regional disparities in village development across 33 provinces in Indonesia from 2018 to 2022, using the Village Development Index (VDI) as a proxy. Employing descriptive statistical analysis and spatial mapping, the study examined the roles of two key factors: human capital, measured by the Human Development Index (HDI), and fiscal transfers, proxied by the Village Fund. The findings revealed that provinces in Java generally achieved higher VDI scores compared to those outside Java, with Bali as a notable exception. The disparities were influenced by the quality of human resources, accessibility to basic services, proximity to economic centers, and the effectiveness of Village Fund management. The study underscored the importance of strengthening human capital, improving governance in fund allocation, and addressing structural inequalities to promote more equitable and sustainable village development. These insights offer valuable implications for national policy and contribute to broader discussions on inclusive development strategies in emerging economies.
Co-Authors Abd. Abd. Aziz Abdushamad, Abdushamad Agus Suman Ana Fitria Anadila, Nurraiyana Anwar Anwar Anwar Anwar Ashal, Farid Fathony Astuti, Intan Novia Ayumiati Ayumiati, Ayumiati Azhar, Fauzul Azharsyah Ibrahim Cut Lisa Nun Zikir Dahlia, Muna Eliana Eliana Eliana Eliana Eliana Eliana Evy Iskandar F, Fadhil Fadhil F Farid Fathony Ashal faris aulia Fauzul Azhar Fuad, Ammar Inayatillah Djakfar Intan Novia Astuti Jalil, Ivon Kamal, Zikrul Ksrisya, Vira Clarissa Lufita, Nina Lukman Hakim Lukman Hakim Marlina Ekawaty Muhammad Adnan Muhammad Arifin Muhammad Arifin Muhammad Farhan Nanik Rahayu, Yuyun Nazar Nazar, Nazar Nisa Andaiyani Nurbismi Nurbismi Nurbismi, Nurbismi Putri, Indira Arsy Rizaldi, Muhammad Ulfa, Riski Walidaini Wildan Syakura Yulindawati, Yulindawati Yuyun Nanik Rahayu Zhahirah, Nasywa Zikrul Kamal