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All Journal Jurnal Pencerahan Islam Futura MIQOT: Jurnal Ilmu-ilmu Keislaman HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Jurnal Ilmiah Peuradeun SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Istinbath: Jurnal Hukum dan Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Jurnal Iqtisaduna Share: Jurnal Ekonomi dan Keuangan Islam EKOBIS SYARIAH jle WATHAN: Jurnal Ilmu Sosial dan Humaniora Jurnal Sistem Informasi, Akuntansi dan Manajemen Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah JIMMI: Jurnal Ilmiah Mahasiswa Multidisiplin Jurnal Ekonomi Manajemen dan Sekretari
Azharsyah Ibrahim
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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MANAGING FINANCING RISK OF ISLAMIC BANKING PRODUCTS IN INDONESIA: A VALUE AT RISK APPROACH Sari, Nilam; Ibrahim, Azharsyah; Muzammil, Muzammil; Muksal, Muksal
Islam Futura Vol 24 No 1 (2024): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v24i1.17693

Abstract

This study aims to assess the potential risk and anticipated returns of equity and debt-based financing products in Islamic banking in Indonesia, represented by the three most prevalent contracts: musharakah, mudharabah, and murabahah. Data was collected from banks' monthly financial reports published on the Indonesia Financial Service Authority (OJK) website from 2014 to 2020, resulting in 82 observations. Data analysis was conducted using the Value at Risk (VaR) method with the variance-covariance approach. Among many methods, VaR is one of the most popular techniques that yields the most comprehensive results in measuring risk and return. The findings reveal that, in general, all equity and debt-based financing yielded stable risk and returns. However, equity-based financing produced higher returns, but also generated higher risks due to its uncertain nature. The results also demonstrate that risk management in Islamic banks improved gradually during the observation period, as indicated by the average score of portfolio combinations. These findings suggest that Islamic banks should balance their product offerings between equity-based financing and debt-based financing while simultaneously strengthening risk management, especially for murabahah products in equity-based financing.
Navigating Economic Landscapes: Strategic Insights Amidst the Pandemic and Beyond Ibrahim, Azharsyah
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 12 No. 2 (2023)
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.v12i2.22517

Abstract

The issue summarizes a series of research studies related to Islamic economics and finance. The first study focuses on the impact of the COVID-19 pandemic on economic growth in Muslim and non-Muslim countries, highlighting the differing effects of mobility restrictions and other pandemic-related factors. Other studies examine topics such as factors influencing foreign direct investment in Muslim countries, zakat compliance among Indonesian business owners, the integration of Bitcoin within the Indonesian monetary system, and the impact of fintech on charitable giving practices among millennials in Java. Additionally, research on Islamic banking performance, management accounting information system quality in Islamic banks, and strategic recommendations for the economic sustainability of business units within Dayah in Aceh are discussed. This issue also covers studies on halal service performance, challenges faced by halal-certified MSMEs, impulsive buying behaviors among Generation Z in Aceh, a Falah-based welfare index, cultural values as an anti-fraud strategy in Islamic schools, and the optimization of Hajj finance in Indonesia through the role of Wakalah contracts. The studies employ rigorous methodologies to achieve their objectives and their findings offer valuable insights with significant implications for the field of Islamic economics and finance, including areas like Islamic banking performance, halal service performance, and the optimization of Hajj finance.
Pengaruh Kualitas Pelayanan dan Kepercayaan Nasabah terhadap Kepuasan Nasabah (Studi pada Bank Aceh Syariah Banda Aceh) Mastura, Zainatun; Ibrahim, Azharsyah; Syahriyal, Syahriyal
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.v0i0.23004

Abstract

The Effect of Service Quality and Trust on Customer Satisfaction: Insights from Bank Aceh Syariah in Banda Aceh - Customer satisfaction is a crucial factor in Islamic banking. It is believed that service quality and customer trust can enhance customer satisfaction. This research aims to investigate the influence of service quality and customer trust on customer satisfaction at PT. Bank Aceh Syariah KPO Banda Aceh. This study employs a quantitative approach with a population encompassing all customers of PT. Bank Aceh Syariah KPO Banda Aceh. Accidental sampling was used to select participants. Data was collected through questionnaires utilizing a Likert scale that was validated for reliability and validity. Data analysis involved tests for validity, reliability, classical assumptions, correlation, and both simple and multiple linear regression. The research yielded that service quality and customer trust jointly exert a significant influence on customer satisfaction. Meanwhile, service quality has a significant individual impact on customer satisfaction, and customer trust has a significant individual impact on customer satisfaction. This research underscores the importance of service quality and customer trust in fostering customer satisfaction. PT. Bank Aceh Syariah KPO Banda Aceh should continuously strive to improve service quality and build customer trust to enhance customer satisfaction.==============================================================================================================Kepuasan nasabah merupakan faktor penting dalam perbankan syariah. Kualitas pelayanan dan kepercayaan nasabah diyakini dapat meningkatkan kepuasan nasabah. Penelitian ini bertujuan untuk mengungkapkan pengaruh kualitas pelayanan dan kepercayaan nasabah terhadap kepuasan nasabah di PT. Bank Aceh Syariah KPO Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan populasi seluruh nasabah di PT. Bank Aceh Syariah KPO Banda Aceh. Sampel diambil menggunakan teknik accidental sampling. Data dikumpulkan melalui kuesioner dengan skala Likert yang telah diuji validitas dan reliabilitasnya. Analisis data menggunakan uji validitas, reliabilitas, asumsi klasik, korelasi, regresi linear sederhana dan berganda. Hasil penelitian menunjukkan bahwa kualitas pelayanan dan kepercayaan nasabah secara bersama-sama berpengaruh signifikan terhadap kepuasan nasabah. Secara parsial, kualitas pelayanan berpengaruh signifikan terhadap kepuasan nasabah, dan kepercayaan nasabah berpengaruh signifikan terhadap kepuasan nasabah. Penelitian ini menunjukkan bahwa kualitas pelayanan dan kepercayaan nasabah penting untuk meningkatkan kepuasan nasabah. PT. Bank Aceh Syariah KPO Banda Aceh perlu terus meningkatkan kualitas pelayanan dan membangun kepercayaan nasabah untuk meningkatkan kepuasan nasabah.
Indonesian Horizons in Islamic Finance: Navigating Risk, Innovation, and Social Impact Ibrahim, Azharsyah
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
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.v13i1.24266

Abstract

This edition of "Share: Journal of Islamic Economics and Finance" presents a diverse range of insightful research and findings exploring various aspects of Islamic economics and finance. The studies cover topics such as the innovative Micro Waqf Bank model in Aceh, determinants of risk in Indonesian Islamic banking, Ibn Khaldun's nuanced theory of economic development, the potential of Cash Waqf Linked Deposit (CWLD) in revitalizing Islamic banking, financial performance evaluation of mining companies listed on the Jakarta Islamic Index, redefining Customer Relationship Management (CRM) for the digital age, the influence of Islamic marketing strategies on pre-loved clothing purchases, the nexus between Sharia governance and financial performance in Indonesian Islamic banks, mitigation strategies for Islamic financing risk, the impact of temporary shirkah funds on SME financing, a gravity model analysis of Indonesia's trade role within OIC economies, protection of Hajj and Umrah pilgrims from fraud, the role of fintech lending in expanding Sharia financial inclusion and human development, the mediating role of perceived usefulness in Sharia fintech adoption among Gen Z, the SDG-Islamic banking nexus in major OIC economies, the impact of macroeconomics on Islamic banking and MSME futures during the COVID-19 crisis, and the transition to Sharia-compliant finance in Aceh amidst miscommunication, misperceptions, and resistance. These studies employ various methodologies, including quantitative analysis, qualitative approaches, and mixed methods, to investigate the challenges, opportunities, and innovations within the field of Islamic economics and finance. The findings contribute to a deeper understanding of Islamic economic thought, sustainable development, risk management, financial inclusion, customer relationship management, and the role of Islamic finance in promoting economic growth and social welfare. The studies also offer practical implications and recommendations for policymakers, regulators, Islamic financial institutions, and researchers, paving the way for a more dynamic, inclusive, and sustainable Islamic financial landscape.
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.
A Critical Appraisal of Product Innovation in Islamic Banking: Navigating Market Pressures, Ensuring Shariah Compliance, and Advancing the Objectives of Maqasid al-Shariah Ismaulina; Ibrahim, Azharsyah
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i2.19941

Abstract

This article presents a critical evaluation of product innovation in Islamic banking, focusing on the imbalance between market demands, sharia compliance, and the realization of maqashid al-shariah. The study aims to assess the extent to which Islamic banking innovations can maintain a balanced integration of commercial objectives, legal-formal compliance, and the substantive values of maqashid. Employing a descriptive qualitative approach through case studies of several Islamic banks in Indonesia, the research gathers data from annual reports and strategic publications. Analysis is conducted using the Maqashid-Based Innovation Evaluation Model (MBIEM), which encompasses three core dimensions: market orientation, sharia compliance, and alignment with maqashid. Findings reveal a significant gap between formalistic compliance and the actual implementation of maqashid. Value-based innovations such as qardhul hasan financing and digital zakat platforms are found to better embody maqashid values than products driven solely by legal-formal considerations. The study recommends reinforcing maqashid-oriented regulations, involving the Sharia Supervisory Board (SSB) early in product development, enhancing the multidisciplinary competencies of human resources, and developing a substance-based sharia audit framework. With these strategies, Islamic banking innovations are expected to become more ethical, inclusive, and sustainable, while fulfilling their socio-economic role in accordance with Islamic principles
Pengaruh Budaya Organisasi terhadap Kinerja Karyawan melalui Etika Kerja Islami dan Kepuasan Kerja pada Bank Aceh Syariah Rizqy, Irhas; Ibrahim, Azharsyah; Syahputra, Hendra
WATHAN: Jurnal Ilmu Sosial dan Humaniora Vol 3 No 1 (2026): WATHAN: Jurnal Ilmu Sosial dan Humaniora
Publisher : Fanshur Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71153/wathan.v3i1.433

Abstract

Penelitian ini bertujuan untuk mengetahui secara mendalam pengaruh dari Budaya Organisasi  terhadap Kinerja melalui Etika Kerja Islami dan Kepuasan Kerja Islami sebagai variabel mediasi. Penelitian ini menggunaan metode kuantitatif. Data yang digunakan adalah data primer yang didapatkan dengan membagikan kuesioner dengan menggunakan instrumen angket yang disebarkan kepada karyawan PT Bank Aceh Syariah Kantor Cabang Utama dengan sampel sebanyak 110 orang. Metode analisis yang digunakan adalah analisis SEM-PLS. Hasil penelitian menunjukkan bahwa (1) budaya organisasi berpengaruh positif dan signifikan terhadap kinerja; (2) budaya organisasi berpengaruh positif dan signifikan terhadap etika kerja islami; (3) budaya organisasi berpengaruh positif dan signifikan terhadap kepuasan kerja; (4) etika kerja islami berpengaruh positif dan signifikan terhadap kinerja; (5) kepuasan kerja berpengaruh positif dan signifikan terhadap kinerja (6) budaya organisasi berpengaruh positif dan signifikan terhadap kinerja melalui etika kerja islami; (7) budaya organisasi berpengaruh positif dan signifikan terhadap kinerja melalui kepuasan kerja pada PT Bank Aceh Syariah Kantor Cabang Utama.
Pengaruh Budaya Organisasi Terhadap Kinerja Karyawan Melalui Etika Kerja Islami Rizqy, Irhas; Ibrahim, Azharsyah; Syahputra, Hendra
Jimmi: Jurnal Ilmiah Mahasiswa Multidisiplin Vol. 3 No. 1 (2026): JIMMI: Jurnal Ilmiah Mahasiswa Multidisiplin
Publisher : Fanshur Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71153/jimmi.v3i1.414

Abstract

Pertumbuhan pesat industri perbankan syariah menempatkan peran strategis pada pengelolaan sumber daya insani sebagai pilar utama dalam melayani nasabah. Pentingnya menjaga dan meningkatkan kualitas sumber daya insani tersebut menjadi fokus utama bagi bank syariah yang ingin memenangkan persaingan terutama dalam memberikan layanan terbaik. Setiap karyawan diharapkan mampu menjaga etika, sekaligus meningkatkan kompetensi dan rasa tanggung jawab dalam menjalankan tugas, sehingga reputasi dan kredibilitas bank dapat terjaga dengan baik di tengah persaingan industri perbankan yang semakin ketat. Penelitian ini bertujuan untuk mengetahui secara mendalam pengaruh dari Budaya Organisasi  terhadap Kinerja melalui Etika Kerja Islami sebagai variabel mediasi. Penelitian ini menggunaan metode kuantitatif. Data yang digunakan adalah data primer yang didapatkan dengan membagikan kuesioner dengan menggunakan instrumen angket kepada 110 karyawan PT Bank Aceh Syariah Kantor Cabang Utama. Metode analisis yang digunakan adalah analisis SEM-PLS. Hasil penelitian menunjukkan bahwa (1) budaya organisasi berpengaruh positif dan signifikan terhadap kinerja; (2) budaya organisasi berpengaruh positif dan signifikan terhadap etika kerja islami; (3) budaya organisasi berpengaruh positif dan signifikan terhadap kinerja melalui etika kerja islami.
Muslim Millennials and Food Choices: Unpacking the Halal Awareness Gap in Aceh, Indonesia Rahmati, Arinal; Benazir, Benazir; Ibrahim, Azharsyah
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.v14i1.1497

Abstract

Halal awareness constitutes a fundamental dimension of Islamic consumption, guiding Muslims in making ethical and religiously compliant choices. Despite Aceh’s strong Islamic identity and the formal implementation of Sharia law, empirical evidence indicates a persistent gap between expressed concern for halal compliance and actual consumer practices among Muslim millennials. This study examines the level of halal awareness and the socio-psychological factors influencing food purchasing behavior among millennials who consume food from non-Muslim-owned establishments in Aceh. Employing a qualitative descriptive approach, data were collected through in-depth interviews with 40 participants, complemented by observations and focus group discussions conducted across four districts: Banda Aceh, Pidie, Bireuen, and Lhokseumawe. The findings reveal that practical considerations such as trust, price sensitivity, hygiene, and customer service frequently outweigh religious verification in consumption decisions. Notably, approximately 80% of respondents demonstrated only a superficial understanding of halal certification procedures and Sharia compliance. These findings underscore a significant value–behavior gap in halal consumption within a Sharia-governed context, highlighting the need for integrated educational and regulatory interventions. The study recommends strengthening halal literacy through targeted educational initiatives, enhanced certification transparency, and digitally mediated outreach to reinforce halal integrity in Aceh’s evolving consumer landscape, with implications for other Muslim-majority societies facing similar challenges.
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.
Co-Authors Abdul Jalil Salam Abrar Amri Akhyar Rinaldi Akmal Riza Akmal, Raihanul Al Munawir Ana Fitria Ana Fitria Arinal Rahmati Arinal Rahmati Armiadi Musa Awalurramadhana, Awalurramadhana Ayumiati, Ayumiati Azhar, Fauzul Azimah Dianah Badratun Nisak Benazir, Benazir Bismi Khalidin Dahlia, Muna Elkamiliati Elkamiliati Elkamiliati, Elkamiliati Fauzul Azhar Fitria Fitria Fitria Fitria Hafas Furqani Hafizh Muarif Halim, Hendra Hendra Halim Hendra Syahputra Ismail Rasyid Ridla Tarigan Ismaulina Isnaliana Isnaliana Israk Ahmadsyah Jalilah Jalilah Khairul Amri Mastura, Zainatun Muhammad Adnan Muhammad Arifin Muksal Muksal Muzammil, Muzammil Naharudi, Izul Nilam Sari Nisak, Badratun Nor &#039;Azzah Kamri Nursabna, Shetty Rahmat Aulia Rahmati, Arinal Rahmati, Arinal Rinaldi, Akhyar Riska Mailinda Rizqy, Irhas Sarah Nadia Sartika, Ayu Suryanti Suryanti Syahminan Syahminan Syahriyal, Syahriyal Umuri, Khairil Uswatun Hasanah Uswatun Hasanah Utami, Ade Putri Vona Dimitha, Dea Wardiah Wardiah Wardiah Wardiah Zahra Zulchayra Zaida Rizqi Zainul, Zaida Rizqi