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All Journal 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 Horizon: Indonesian Journal of Multidisciplinary An-Nisbah: Jurnal Ekonomi Syariah
Akmal Riza
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Agriculture, Biological Sciences & Forestry Humanities Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Kemudahan Penggunaan dan Manfaat Melakukan Transaksi Penarikan Tunai Tanpa Kartu Menggunakan Mobile Banking Riza, Akmal; Iskandar, Evy; Rahayu, Nining Puji
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.33270

Abstract

This study aims to examine cardless cash withdrawal transactions through mobile  banking and their role in increasing transaction intention in Islamic banking. Specifically, the research investigates the effects of perceived ease of use and perceived benefit on users’ intentions to conduct cardless cash withdrawal transactions using BSI Mobile among students at UIN Ar-Raniry in Banda Aceh. A quantitative research approach with an associative design was employed. Primary data were collected through a structured questionnaire distributed to 100 student BSI Mobile users, selected using a non-probability sampling technique with purposive sampling. The data were analyzed using multiple linear regression method to test the proposed hypotheses. The results reveal that perceived usefulness has a positive and significant effect on users’ intention to conduct cardless cash withdrawal transactions via BSI Mobile. In contrast, perceived ease of use has no effect on transaction intention. These results provide valuable insights into the determinants of digital banking service adoption among university students, particularly in the context of Islamic banking.
Kajian Empiris Kepatuhan Wajib Pajak Pengusaha di Kota Banda Aceh Riza, Akmal
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 4 No. 1 (2023): 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.v4i1.312

Abstract

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.
Risk Perception Has An Influence On The Decision To Use Action Mobile Banking At Bank Aceh Fuad, Ammar; Riza, Akmal
JIMEBIS: 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.
Role Stress And Compensation As Determinants Of Job Satisfaction Among Islamic Bank Employees In Banda Aceh City Yulindawati, Yulindawati; Riza, Akmal; Lufita, Nina
JIMEBIS: 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.
Pengaruh Non-Performing Financing (NPF), Financing To-Deposit Ratio (FDR), dan Operating Expense Ratio (Oer), Terhadap Return on Assets (ROA) Pada Bank Umum Syariah di Indonesia Periode 2021-2025 Al'Adyaat, Muhammad; Evriyenni; Riza, Akmal
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 4 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i4.7356

Abstract

Return on Assets (ROA) is a crucial indicator for measuring the profitability of Sharia Commercial Banks (BUS), as it reflects a bank's ability to generate profit from its managed assets. BUS profitability can be influenced by financing quality, the capacity to distribute funds, and operational efficiency—factors respectively reflected by the Non-Performing Financing (NPF) ratio, Financing to Deposit Ratio (FDR), and Operating Expense Ratio (OER). This study aims to analyze the impact of NPF, FDR, and OER on the ROA of Sharia Commercial Banks in Indonesia. It employs a quantitative, associative research approach. The study utilizes secondary data from annual financial reports covering the 2021–2025 period, comprising 59 observations, and applies multiple linear regression analysis. The results indicate that while NPF does not have a significant effect on ROA, both FDR and OER do. Collectively, the three variables explain 26% of the variation in ROA. These findings suggest that BUS profitability is more closely linked to the effectiveness of financing distribution and operational efficiency; consequently, management should prioritize these two aspects to enhance the bank's profitability performance.
Co-Authors Abd. Abd. Aziz Abdushamad, Abdushamad Al'Adyaat, Muhammad Ana Fitria Anadila, Nurraiyana Anwar Anwar Anwar Anwar Ashal, Farid Fathony Astuti, Intan Novia Ayumiati, Ayumiati Azhar, Fauzul Azharsyah Ibrahim Cut Lisa Nun Zikir Dahlia, Muna Eliana Eliana Eliana Eliana Eliana Eliana Evriyenni Evy Iskandar F, Fadhil Fadhil F Farid Fathony Ashal faris aulia Fauzul Azhar Fuad, Ammar Inayatillah Djakfar Intan Novia Astuti Kamal, Zikrul Ksrisya, Vira Clarissa Lufita, Nina Lukman Hakim Lukman Hakim Muhammad Adnan Muhammad Arifin Muhammad Arifin Nanik Rahayu, Yuyun Nazar Nazar, Nazar Nisa Andaiyani Nurbismi Nurbismi Nurbismi, Nurbismi Putri, Indira Arsy Rahayu, Nining Puji Ulfa, Riski Walidaini Wildan Syakura Yulindawati, Yulindawati Yuyun Nanik Rahayu Zikrul Kamal