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All Journal Jurnal Al-Qardh JURIS (Jurnal Ilmiah Syariah) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Community Development Journal: Jurnal Pengabdian Masyarakat Journal Of Sharia Banking Jurnal Iqtisaduna J-ESA (Jurnal Ekonomi Syariah) Journal Of Islamic Social Finance Management JIFTECH: Journal Of Islamic Financial Technology Profetik Jurnal Ekonomi Syariah
Nofinawati Nofinawati, Nofinawati
IAIN Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : JIFTECH: Journal Of Islamic Financial Technology

 1 
The Influence of Digital Banking Transactions and Third-Party Funds on Fee Based Income Sharia Commercial Banks in Indonesia Nofinawati, Nofinawati; Nasution, Adanan Murroh; Panggabean, Apriani
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.15357

Abstract

The instability of profit-sharing income in Islamic banks, driven by rising non-performing loans, strict regulations, and rapid financial technology development, has encouraged banks to explore alternative income sources such as Fee Based Income (FBI). This study aims to examine the influence of Digital Banking transactions and Third Party Funds (DPK) on Fee Based Income in Islamic Commercial Banks during 2019–2023. A quantitative approach was applied using secondary data from 60 monthly financial reports published by the Financial Services Authority (OJK). The analysis involved descriptive statistics, classical assumption tests, hypothesis testing, multiple linear regression, and the coefficient of determination using SPSS 24. The results show that Digital Banking has no significant partial effect on Fee Based Income, while Third Party Funds have a significant and positive effect. However, both variables jointly influence Fee Based Income significantly. These findings suggest that while digital banking adoption alone may not directly increase service-based income, the availability of third-party funds plays a crucial role. This implies that Islamic banks should optimize fund mobilization and enhance fee-based services to strengthen financial stability.
Implementation Of Corporate Social Responsibility Islamic Economic Perspective at PT. Bank Sumut Syariah Branch Padangsidimpuan Nofinawati, Nofinawati; Efendi, Sulaiman; Hayati, Rini
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (694.186 KB) | DOI: 10.24952/jiftech.v1i1.5000

Abstract

This research is based on corporate social responsibility which is a program of activities of a company that must be carried out in accordance with the mandate of Law no. 40 of 2007 concerning PT. the purpose of this study is to determine the implementation of corporate social responsibility in the perspective of Islamic Economics at PT. Bank Sumut Padangsidimpuan Sharia Branch. The study used a descriptive qualitative approach with interview, observation, and documentation study data collection techniques to the employees of Bank Sumut Syariah Branch Padangsidimpuan which was then analyzed using data reduction, data presentation, and verification. The results showed that the implementation of corporate social responsibility at PT. Bank Sumut Padangsidimpuan Sharia Branch by implementing the Community Development Program (PBL), the first; aspects of the development of public infrastructure facilities such as the construction of shelters and monuments, the second; educational aspects such as providing scholarships and purchasing research tools for related universities. Islamic Economics Review on the implementation of corporate social responsibility at PT. Bank Sumut Padangsidimpuan Sharia Branch has complied with the basic principles of Islamic Economics, namely maslahah (public interest)Keywords: Social Responsibility, Islamic Economy
Determinant Of Faculty Of Islamic Economics and Business UIN SYAHADA Padangsimpuan In Transactions Using ZISWAF Sharing Application On Mobile Banking BSI Nofinawati, Nofinawati; Sari, Indah; Siregar, Devi Srikandi
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (263.22 KB) | DOI: 10.24952/jiftech.v1i2.6387

Abstract

This research is a quantitative research using primary data and secondary data. Data collection techniques used are questionnaires and interviews. Sampling in this study used a random sampling technique with a total of 30 respondents. Data analysis used is validity test, reliability test, basic assumption test (descriptive analysis test, normality test, linearity test) classical assumption test (multicollinearity test, heteroscedasticity test) hypothesis test (t test, F test, R2 coefficient of determination test) and multiple regression test. To facilitate the process of analyzing the data of this research, it is assisted by the SPSS 23 program.The results of the t-test indicate that there is no partial effect of convenience on the use of the ZISWAF sharing application on BSI mobile banking, there is an influence of trust in the use of the ZISWAF sharing application on BSI's mobile banking, there is a beneficial effect on the use of the ZISWAF sharing application on BSI's mobile banking. Simultaneously, there is an effect of convenience, trust and benefits on the use of the ZISWAF sharing application on BSI mobile banking.
Co-Authors Aini, Ihdi Ariska, Yulia Atika, Jumi Azwar Hamid Dewi Purnama Sari Hamni Fadlilah Nasution Harahap, Bosaruddin Hasibuan, Fitriani Hasibuan, Randy Endar Muda Hayati, Rini Hutagalung, Muhammad Wandisyah R Hutagalung, Nursakiah Indah Sari Khoiruna, Khoiruna Lestari, Sry Lubis, Delima Sari Lubis, Wenni Sakinah Marliyah, Marliyah Muhammad Isa Napitupulu, Rodame Monitorir Nasution, Adanan Murroh Nasution, Adek Safitri Nasution, Siti Batiah Panggabean, Apriani Romadhin, Novia Java Sarmiana Batubara Siregar, Devi Srikandi sri sudiarti Srikandi, Devi Sulaiman Efendi Siregar Utari, Lin Putri Yarham, M. Zulaika Matondang