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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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PENGARUH CAPITAL ADEQUACY RATIO, FINANCING TO DEPOSIT RATIO DAN OPERATIONAL EFFICIENCY RATIO TERHADAP KINERJA KEUANGAN (BUKTI EMPIRIS DARI BNI SYARIAH PERIODE 2010-2019) F, Fadhil; Riza, Akmal
Scientific Journal of Students Islamic Economics and Business Vol. 1 No. 1 (2020): 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/jimebis.v1i1.107

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh CAR, OER dan FDR terhadap ROA pada BNI Syariah periode 2010-2019, baik secara simultan maupun parsial. Penelitian ini menggunakan metode regresi linier berganda dengan populasi sasaran laporan triwulan pada PT. Bank BNI Syariah selama 10 tahun. Hasil penelitian dapat dijelaskan bahwa, secara simultan semua variabel independen yang terdiri dari CAR, FDR dan OER berpengaruh terhadap variabel dependen yaitu ROA. Sedangkan secara parsial variabel CAR berpengaruh negatif terhadap ROA, FDR berpengaruh negatif terhadap ROA dan OER berpengaruh negatif terhadap ROA.
Efektivitas Pembiayaan Murabahah Dalam Pengentasan Kemiskinan Di Aceh Riza, Akmal; Kamal, Zikrul
Scientific Journal of Students Islamic Economics and Business Vol. 2 No. 2 (2021): 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/jimebis.v2i2.183

Abstract

The problem of poverty in Aceh, with various factors, has made Aceh the poorest region in Sumatra in 2021. One of the efforts to overcome it is by developing the MSME sector. Therefore, the existence of financing at Bank Aceh Syariah is expected to be able to effectively overcome these problems. This study aims to determine the effectiveness of murabahah financing for Micro, Small, and Medium Enterprises in Aceh in poverty alleviation efforts, specifically for the City of Banda Aceh. The method used in this research is qualitative with a descriptive approach. The data sources used were primary and secondary with the techniques of observation, interviews, and documentation studies The results showed that the murabahah financing at PT. Bank Aceh Syariah Operational Headquarters for MSMEs is effective in poverty alleviation efforts, it can be seen that after receiving financing, MSMEs are able to increase income, develop businesses, and create jobs.
Teknologi Informasi dan Kualitas Layanan Mempengaruhi Tingkat Kepuasan Nasabah Bank Syariah Riza, Akmal; Ibrahim, Azharsyah; Azhar, Fauzul
Scientific Journal of Students Islamic Economics and Business Vol. 3 No. 1 (2022): 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/jimebis.v3i1.247

Abstract

This study aims to determine the effect of information technology and service quality on customer satisfaction at BNI Syariah Banda Aceh Branch Office. Quantitative research method with multiple linear regression analysis using IBM SPSS software version 25. The results showed that information technology and service quality variables had a positive and significant effect on customer satisfaction at BNI Syariah Banda Aceh Branch Office. customer satisfaction variable can be explained by information technology and service quality variables 53.6%, while the effect is influenced by other variables outside the study.
Risk Perception Has An Influence On The Decision To Use Action Mobile Banking At Bank Aceh Fuad, Ammar; Riza, Akmal
Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 2 (2024): 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/gknbd672

Abstract

The decision of customers to utilize the AcTion Bank Aceh application as an alternative platform for conducting daily and business transactions. This study aims to examine the influence of risk perception on customers’ decisions to use AcTion mobile banking. Using a descriptive quantitative method and accidental sampling of 250 respondents in Aceh, the study tested its hypothesis through simple regression analysis. The study’s results demonstrate that the risk perception variable significantly affects the customer decision to use AcTion Bank Aceh. Keywords: Risk perception, customer decision
Determinan Minat Masyarakat Banda Aceh Untuk Menggunakan Asuransi Syariah Iskandar, Evy; Riza, Akmal; Putri, Indira Arsy
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/zq3f6227

Abstract

Sharia insurance can protect lives, and the insured funds can be utilized for mutual assistance among participants (tabarru’ contract). This study aims to examine the effect of financial literacy, religiosity, and trust on interest in using Sharia insurance among the community in Banda Aceh. The study employs a quantitative method with an empirical approach, and the population and sample consist of residents of Banda Aceh City. The sampling technique used is purposive sampling, with a total of 80 respondents collected through questionnaires distributed via Google Forms. Data were analyzed using multiple linear regression to test the hypotheses with the assistance of IBM Statistics software. The findings indicate that, partially, hypothesis 3 is accepted, showing that the trust variable has a significant effect on interest in Sharia insurance. Meanwhile, hypotheses 1 and 2 are rejected, indicating that financial literacy and religiosity do not have a significant effect on interest in using Sharia insurance.
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