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All Journal Jurnal Ilmiah Ekonomi Islam Hikmah : Journal of Islamic Studies Owner : Riset dan Jurnal Akuntansi Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) AT-TASYRI' Jurnal Ilmiah Prodi Muamalah AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Lentera:Indonesian Journal of Multidisciplinary Islamic Studies J-ISCAN : Journal of Islamic Accounting Research Jurnal Ekonomi, Bisnis dan Manajemen Syarah: Jurnal Hukum Islam dan Ekonomi Al-Ahkam: Jurnal Syariah dan Peradilan Islam Journal of Culture Accounting and Auditing JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Al-Iqtishad Iqtishodiah: Jurnal Ekonomi dan Perbankan Syariah Malik Al-Shalih Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Journal of Management, Accounting, and Administration GLOSSARY J-EBI Jurnal Ekonomi dan Bisnis Islam LA RIBA: Jurnal Perbankan Syariah JIBF MADINA : Journal Islamic Banking and Finance Madina
Putri, Juliana
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Transformasi Digital Perbankan Syariah di Indonesia: Peluang dan Tantangan dalam Meningkatkan Inklusi Keuangan Syariah Cahya Afrida Rahmadhani; Juliana Putri
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.416

Abstract

Digital transformation has become an essential step in strengthening the competitiveness and outreach of Islamic banking services in Indonesia. Although the number and total assets of Islamic banks continue to grow, their contribution to the overall national banking industry remains relatively small, while the level of Islamic financial literacy and inclusion among the public is still uneven. This situation raises a key question: to what extent can digital transformation enhance Islamic financial inclusion, and what challenges arise in its implementation? This study aims to analyze how digital transformation contributes to improving Islamic financial inclusion in Indonesia and to identify the opportunities and challenges that accompany it, as well as its role in expanding public access to financial services based on sharia principles. Using a qualitative descriptive approach through literature review and analysis of various policies and industry reports, this study examines the opportunities and obstacles in the digitalization of Islamic banking. The findings show that digital transformation creates significant opportunities through the optimization of mobile banking services, Islamic fintech, and integrated digital ecosystems that can reach various layers of society. However, major challenges remain, including low levels of digital and financial literacy, limited technological infrastructure, and the need for stronger regulations and data security. Overall, this study emphasizes that the success of digital transformation in Islamic banking depends greatly on the synergy between industry, regulators, and society in developing a digital financial system that is inclusive, secure, and compliant with sharia principles.
ISLAMIC BUSINESS ETHICS, MARKETING STRATEGY, AND INSTITUTIONAL INDEPENDENCE IN ISLAMIC BANKING: A CASE STUDY OF BANK SUMUT SYARIAH KISARAN BRANCH Khairiyah Fikri Azzahra; Juliana Putri
Hikmah: Journal of Islamic Studies Vol 22, No 1 (2026): Hikmah Journal of Islamic Studies
Publisher : STAI ALHIKMAH Jakarta

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Abstract

AbstractThis study aims to analyze the implementation of Islamic business ethics in marketing strategies at Bank Sumut Syariah Kisaran Branch and examine its contribution to customer trust, perceived transparency, loyalty tendencies, and potential institutional independence. Using a qualitative case study design, data were collected through observation, semi-structured interviews, and documentation, then analyzed thematically. The findings show that honesty (shiddiq), trustworthiness (amanah), and transparency are reflected in financing service practices, particularly in the accurate delivery of product information, protection of customer data, assistance during the financing process, and openness in explaining contracts, costs, payment schemes, obligations, and risks. These ethical practices contribute to customer trust, perceived transparency, satisfaction, and loyalty tendencies, including the willingness to reuse services and recommend them to others. However, this study does not directly measure financial indicators such as third-party fund stability, financing growth, or asset quality. Institutional independence is therefore understood as a potential long-term implication of ethical service relationships and relational capital. Future research should employ quantitative or mixed-methods approaches to test these relationships more comprehensively across broader Islamic banking contexts and institutional performance indicators. ABSTRAKPenelitian ini bertujuan menganalisis implementasi etika bisnis Islam dalam strategi pemasaran di Bank Sumut Syariah Cabang Kisaran serta mengkaji kontribusinya terhadap kepercayaan nasabah, persepsi transparansi, kecenderungan loyalitas, dan potensi kemandirian institusi. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus. Data dikumpulkan melalui observasi, wawancara semi-terstruktur, dan dokumentasi, kemudian dianalisis secara tematik. Temuan menunjukkan bahwa nilai kejujuran (shiddiq), amanah, dan transparansi tercermin dalam praktik layanan pembiayaan, terutama melalui penyampaian informasi produk secara akurat, perlindungan data nasabah, pendampingan proses pembiayaan, serta keterbukaan dalam menjelaskan akad, biaya, skema pembayaran, kewajiban, dan risiko. Praktik etis tersebut berkontribusi terhadap kepercayaan nasabah, persepsi transparansi, kepuasan, dan kecenderungan loyalitas, termasuk kesediaan menggunakan kembali layanan dan merekomendasikannya kepada pihak lain. Namun, penelitian ini tidak mengukur indikator keuangan seperti stabilitas dana pihak ketiga, pertumbuhan pembiayaan, atau kualitas aset. Kemandirian institusi dipahami sebagai implikasi jangka panjang yang potensial dari hubungan pelayanan etis dan modal relasional. Penelitian selanjutnya disarankan menggunakan pendekatan kuantitatif atau metode campuran agar hubungan antara etika bisnis Islam, loyalitas nasabah, kinerja keuangan, dan kemandirian institusi dapat diuji secara lebih menyeluruh dan generalizable pada konteks perbankan syariah Indonesia.K
Makna Nilai-nilai Syariah dalam Pelayanan Nasabah di Bank Syariah Indonesia )BSI: Studi Fenomenologi Ishma Nurhasanah; Juliana Putri
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 6 No. 2 (2025): JIBF MADINA TAHUN 2025
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract

Penelitian ini bertujuan untuk memahami makna penerapan nilai-nilai syariah dalam pelayanan nasabah di Bank Syariah Indonesia (BSI). Fokus penelitian diarahkan pada bagaimana pegawai menginternalisasi nilai-nilai Islam seperti amanah (kepercayaan), sidq (kejujuran), adl (keadilan), ta’awun (tolong-menolong), dan ihsan (pelayanan terbaik) dalam praktik kerja sehari-hari. Metode yang digunakan adalah pendekatan kualitatif fenomenologi, yang bertujuan menggali pengalaman subjektif pegawai dalam memberikan pelayanan berbasis nilai-nilai syariah. Data dikumpulkan melalui wawancara mendalam, observasi lapangan, serta dokumentasi terhadap kegiatan pelayanan di kantor cabang BSI. Hasil penelitian menunjukkan bahwa penerapan nilai-nilai syariah telah menjadi pedoman moral dan spiritual dalam membentuk etika kerja Islami di lingkungan BSI. Nilai amanah dan sidq menciptakan transparansi serta kepercayaan antara pegawai dan nasabah, sedangkan nilai adl memperkuat prinsip keadilan dalam pelayanan. Selain itu, nilai ta’awun dan ihsan tercermin melalui budaya kerja sama, empati, dan semangat memberikan pelayanan terbaik sebagai bentuk ibadah kepada Allah SWT. Meskipun demikian, ditemukan beberapa tantangan seperti tekanan target bisnis dan kurangnya pembinaan spiritual yang berkesinambungan. Oleh karena itu, diperlukan upaya penguatan nilai-nilai syariah melalui pelatihan, pembinaan moral, serta kepemimpinan yang berorientasi pada spiritualitas kerja. Penerapan nilai-nilai tersebut tidak hanya meningkatkan kualitas pelayanan, tetapi juga memperkuat citra BSI sebagai lembaga keuangan yang berlandaskan prinsip keadilan dan keberkahan dalam Islam.
Dissemination and Assistance on Coretax Activation for Taxpayers at UIN Sultanah Nahrasiyah Lhokseumawe Isra maulina; Juliana Putri; Putri Nabila
Malik Al-Shalih : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2026): Malik Al-Shalih: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/malikal-shalih.v5i1.7833

Abstract

Digital transformation in tax administration through the implementation of the Coretax Administration System (Coretax) has become a strategic initiative by the government to improve service efficiency, transparency, accountability, and taxpayer compliance. This community service activity aims to enhance taxpayers’ understanding, skills, and independence through the socialization and assistance of Coretax activation in UIN Sultanah Nahrasiyah Lhokseumawe. The method used in this activity was Participatory Action Research (PAR), which consisted of preparation, socialization, training, hands-on practice, mentoring, and evaluation stages. The participants were individual taxpayers ASN UIN Sultanah Nahrasiyah Lhokseumawe. The results of the activity indicated an improvement in participants’ understanding of the functions and benefits of Coretax, technical abilities in account activation, as well as digital skills in using electronic tax administration systems. The level of participant involvement was also relatively high, reflecting taxpayers’ enthusiasm for practice-based mentoring programs. These findings reinforce the Technology Acceptance Model (TAM), which emphasizes that perceived ease of use and perceived usefulness influence technology acceptance. In addition, experiential learning and andragogical approaches proved effective in improving participants’ understanding through direct experience. Therefore, the socialization and mentoring of Coretax activation can serve as a strategic model in supporting the success of digital transformation in taxation and the sustainable improvement of taxpayer compliance.
Strategi Persaingan dalam Memasarkan Produk Halal di Era Digital Junida Sari; Juliana Putri
LA RIBA: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): La Riba: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v7i02.2165

Abstract

This study aims to explain and conclude the competitive strategy in marketing halal products in the rapidly developing digital era and has a very wide reach. This study uses a descriptive qualitative method with a literature study approach, where data is collected from various sources such as books, scientific journals, articles, reports, and other relevant documents related to halal product marketing. The results of the study indicate that the halal product market has experienced significant growth, especially with the support of digital technology that allows fast and wide access to information. This condition triggers increasingly tight competition between business actors, so that appropriate and sustainable strategies are needed. The strategies used include the application of the values of monotheism, Islamic business ethics, and guarantees that the products and services offered truly meet halal standards. Other strategies include the use of digital marketing, training and education of business actors, aggressive promotions, cross-sector collaboration, product innovation, halal tourism development, improving quality and service, and ownership of official halal certificates. The use of social media, e-commerce platforms, and other information technologies are important instruments in building a positive image of halal products and reaching wider consumers, both nationally and globally. This integrated strategy is expected to strengthen the competitiveness of halal products in facing the competitive and ever-changing digital era.
Co-Authors Adinda Putri Akmaluddin.MS Andika Bayu Kurnia Andriani, Fitria Auzia Amzar Azzuhra, Dirra Cahya Afrida Rahmadhani Erawati Erawati Fitria Andriani Fitria Andriani Harjoni Harjoni Husni Intan Raudhatul Ma’wa Ishma Nurhasanah Iskandar Iskandar Ismaulina Isra Maulina Junida Sari Khairiyah Fikri Azzahra Maya Manurung Maya Maya, Maya Manurung Mulyani, Rita Nur Sari Dewi Putri Nabila Rahmadhani, Cahya Afrida Rahmawati, Rahmawati Ratna Sari Dewi Rauzatul Amanda Razali rivaldi, Ade rivaldi Salman Alfarisi sari, Junida selian, gadis ananda Siregar, Dewi Primadona_ Sofian Sauri, Sofian Syaiful . Zulfa Zulfa Zulfitri, Imran