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CUSTOMER PREFERENCE TO SYARIAH CARD Ihdi Aini
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3172

The purpose of this study was to aimed at determining factors that influence customer preferences in using Sharia Card/iB Hasanah Card of BNI Syariah of the City of Padang by analyzing seven variables, namely sharia and attitudes toward fatwas, brands, features and facilities, services, contracts, fees, and fines. This study, using a qualitative approach. Data collection was done employing structured interview technique by using research instruments in the form of questionnaires. The number of samples taken was 50 customers who used Syariah Card/iB Hasanah Card. To analyze data, Factor Analysis was performed in which the collected data were processed using IBM SPSS Statistics 21. The results showed that of the seven variables that were analyzed, there were four (4) factors that formed and influenced the customer preferences in using Sharia Card/iB Hasanah Card of BNI Syariah of the City of Padang, namely, First: Religious and Rational Factors; factors that are formed from variables‘Contract’ and ‘Cost’ with five statement items. Second: Social Factors; factors that are formed from variables ‘Service’ and ‘Fines’ with five statement items. Third, Psychological factors; factors formed from variables‘Sharia’,‘attitudes toward fatwas’, and ‘Brand’ with four statement items. Fourth: Product Factors; factors that are formed from variables ‘Feature’ and ‘Facility’ with two statement items.

Determinants Of Millenial Generations Interest In Using Mobile Banking Sarmiana Batubara; Ihdi Aini; Yuli Agustina
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4760

Abstract Mobile banking services issued by the banking world, are aimed at making it easier for customers to make transactions that are supported by mobile phones and internet networks. Even so, there are still many customers who have not used mobile banking, especially Islamic mobile banking, including those from the millennial generation who should be more receptive to change and the millennial generation is more technology literate and easy to master technology. In the economic activities of the millennial generation, many transactions are online, starting from shopping on the marketplace, social media and other electronic media. This study aims to determine the factors that influence the interest of the millennial generation in using mobile banking at Islamic banks. This research is a quantitative research. The data source used is primary data. The data collection techniques used were interviews and questionnaires. Respondents in this study were the millennial generation as many as 93 people. The results of this study are that there are several factors that influence the interest of the millennial generation in using Islamic bank mobile banking, namely the factors of convenience, benefits, trust and risk. Based on the results of data analysis that has been carried out, the factors of convenience, benefits, trust and risk have an effect on the interest of the millennial generation in using mobile banking at Islamic banks both partially and simultaneously.

ANALYSIS OF THE ROLE OF THE MANINDO SIABU COOPERATIVE PARTNERS IN INCREASING THE INCOME OF COOPERATIVE MEMBERS (CASE STUDY IN SIMANINGGIR VILLAGE) anni sofiyah; kamaluddin ritonga; ihdi aini; ali hardana
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Mitra Manindo Siabu Cooperative is the target place for the community's economic movement, where cooperation in it colors the Islamic values of the community's economic life. Community income is the development of Mitra Manindo Cooperative. The beginning of the establishment of the Mitra Mnaindo Cooperative was due to the desire to increase the income of each cooperative member who was actively involved in the operation of the cooperative, but in the last 5 years the members of the Mitra Manindo Cooperative have decreased, even though one of the factors that affect the income of members is the participation of the members of the cooperative itself. . The theory in this study is related to income theory, discussing the meaning of income and income functions. Cooperative theory discusses the meaning of cooperatives, cooperative management, cooperative legal basis, types of cooperatives, sharia cooperative principles, sources of cooperative funds, cooperative income. Role theory discusses the role of cooperatives in Indonesia, the role of sharia cooperatives, and the role of cooperatives in increasing income. This type of research is a qualitative research with descriptive methods that describe how what actually happened in the field with data collection techniques are interviews, observation and documentation directly in Simaninggir Village. The data used in this study are primary and secondary data. The data analysis carried out in this qualitative descriptive study was conducted by direct interviews by giving 8 questions to the informants totaling 20 people. Techniques for checking the validity of the data are: triangulation, using reference materials, and extending observations. The results of this study are the Mitra Manindo Cooperative has fulfilled its role as a financial institution, and has helped the Simaninggir Village community increase the income of members, especially members of the Mitra Manindo Cooperative by providing business capital assistance to cooperative members, and reducing the dependence of members on existing cooperatives in order to improve economic welfare. its members.

Analysis Of Public Interest In Banking Products tukma tukma; darwis harahap; ihdi aini; ida royani
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5042

This research is based on the fact that there are still many people in Environment I Of Muara Manompas Village, Muara Batang Toru District, not yet familiar with Islamic bank products. The rapid development of Islamic banks has not been able to affect the public interest in products offered by Islamic banks. The entire community of Environment I Muara Manompas Village is Muslim, but public interest in Islamic bank products is still low. This is evidenced by the number of people who prefer products offered by conventional banks rather than Islamic banks. Andri Wicaksono's theory of expressing interest is a tendency that still pays attention to some activities. According to Yudrik Jahja in his book, Educational Psychology interest is an impulse that causes the bonding of individual attention to certain objects such as work, lessons, objects, and people. The sampling technique used is random sampling. Data processing uses SPSS application version 23. Data analysis uses instrument validity and reliability tests, descriptive statistical analysis tests, normality tests, classical assumption tests consisting of multicollinearity tests and heteroskedasticity tests, multiple linear regression tests, and hypothesis tests. The results of this study showed partially the variable of knowledge has an influence on public interest with a value of thitung = 1.841, so thitung ttabel, (1,841 1.66792). Location variables have an influence on people's interests with thitung value = 1.917 so that thitung ttabel (1.917 1.66792) and service quality variables have no effect on public interest with thitung value = 1.172 so thitung ttabel (1,172 1.66792). The results of simultaneous research show that the variables of knowledge, location, and quality of service have an influence on people's interests.

EFFECT OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS INFLUENCE OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS rizka yani; azwar hamid; ihdi aini; sulaiman efendi
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Third-party funds are fund collectors in the banking sector. Third party funds include current accounts, savings and deposits collected from the community. Third party funds always experience an increase but are not followed by revenue sharing and inflation that has fluctuated. The formulation of the problem in this study is whether the profit sharing and inflation have a partial and simultaneous effect on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The purpose of this study was to determine how much the effect of profit sharing and inflation on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The discussion in this study relates to Islamic banking and macroeconomics. The approach taken in this study relates to theories relating to revenue sharing, inflation and Third Party Funds. This research is a quantitative study, the source of the data is secondary with a series of times series of 72 samples. Data collection techniques are documentation and literature. Normality Test, Normality Test, Classical Assumption Test which includes Multicollinearity Test, Autocorrelation Test, Heteroscedasticity Test, Hypothesis Test which includes Partial Significant Test (tTest), Simultaneous Regression Coefficient Test (Ftest), Determination Coefficient Test, Multiple Linear Analysis. The results of this study indicate that partially the shares have -ttest ttable (-2.725 -1.667) which means that the results have a significant negative effect on DPK. And inflation has -ttest -ttable (-4,852 -1,667) which means that inflation has a significant negative effect on Third Party Funds. And profit sharing and inflation simultaneously affect the Third Party Fund. This is evidenced by the value of Fcount Ftable (48.966 3.13). R2 shows that the percentage of contribution of the influence of independent variables on the dependent variable is 58.7% and the remaining 41.3% is influenced or or explained by other variables not included in this research model.

PROBLEMATIKA KHITAN BAGI PEREMPUAN PERPEKTIF HADIS Ilham Mustafa dan Ihdi Aini
Al FAWATIH:Jurnal Kajian Al Quran dan Hadis Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This article discusses the problem of circumcision for female. In general, Hadith prescribes circumcision for female. But, in its application, the Islamic law for female circumcision can be sunnah, or permissible. The reason is the arguments that explain about female circumcision are few and it is not explained in detail and firmly.The problem of female circumcision in Indonesia is how to circumcise them, which is not in accordance with Islamic law. Although in principle, circumcision for female both gives benefits and also is not forbidden in Islam.

KONSEP KEWAHYUAN AL-QUR’AN DALAM KACAMATA WILLIAM MONTGOMERY WATT Habibuddin dan Ihdi Aini
Al FAWATIH:Jurnal Kajian Al Quran dan Hadis Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

ABSTRACT William Montgomery Watt was born on March 14, 1909 in Ceres, Fife, Scotland. An expert in Islamic studies from Great Britain, and one of the main orientalists and historians of Islam in the Western world. One of his works that is quite controversial and phenomenal is Islamic Revelation in The Modern World. This book is not purely academic, but also contains personal elements of reflection on his observations about the relationship between Islam and Christianity. Discussing the concept of revelation in Islam and related matters, Christianity and Islam have the same basis, that all have a teaching or mission to the modern world. Therefore, knowledge does not directly compare Christian and Islamic thought, but connects them with the secular and neutral world and combines them with a scientific perspective. Based on his neutral attitude in seeing the two major religions, Watt concluded that what actually happened, namely the conflict between Islam and Christianity, was simply a misperception of each other. Because of his neutrality, Watt can be classified as an orientalist who is honest in seeing Islam. He tried to see the Qur'an from a modern scientific perspective and did not take sides with Christianity. Therefore, the Qur'an which he discussed for centuries must be studied further by following a new path. And this is a big job that both Muslims and non-Muslims must do. Compared to others W. Montgomery Watt is an orientalist who does not discredit Islam, nor does he deny other religions. Watt through his arguments tried to make anti-Islamic orientalists realize that the revelation brought by Muhammad really came from Allah and was not an invention of his own. Watt introduced the theory of the subconscious which was conveyed by Gabriel and then it radiated through the conscious mind.

Fintech Opportunities And Challenges In The Sharia Banking Industry In Pandemic Times Ihdi Aini; Adanan Murroh Nasution; Ferdy Kurniawan; Rahmat Husein Lubis
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6514

Abstrak Penelitian ini bertujuan untuk mengetahui peluang dan tantangan fintech dalam industri Perbankan Syari'ah di tengah Pandemi. Penelitian ini menggunakan metode deskriftif kualitatif yaitu menelaah sumber-sumber tertulis seperti jurnal, buku, literature, ensiklopedia, karya ilmuan serta berbagai sumber lain baik dalam bentuk tulisan maupun dalam format digital yang relevan. Adapun objek kajian dalam penelitian ini adalah berupa teks-teks atau tulisan-tulisan yang menggambarkan dan memaparkan tentang peluang dan tantangan fintech pada industri perbankan syariah di tengah pandemi Covid-19. Hasil penelitian menunjukkan bahwa pandemi covid-19 telah memberikan peluang yang lebih besar bagi fintech perbankan syariah disebabkan pandemi telah mendorong masyarakat melakukan transaksi e-comerce. Dimana volume transaksi digital banking meningkat selama pandemi hingga 20,8% yaitu mencapai 1.493 juta kali transaksi dan secara nominal meningkat 23% yaitu mencapai Rp.8.223 triliun. Adapun tantangannya adalah keamanan data dan transaksi pengguna layanan fintech, mudahnya nasabah berpindah kepada bank lain, serta kurangnya pengetahuan masayarakat pedesaan untuk mengoperasikan Fintech. Abstract The purpose of this research is to find out the opportunities and challenges of fintech in the Islamic banking industry in the midst of a pandemic. This study uses a qualitative descriptive. The object of study in this research is in the form of texts that describe the opportunities and challenges of fintech in the Islamic banking industry. The results of the study show that the Covid-19 pandemic has provided greater opportunities for Islamic banking fintech because the pandemic has encouraged people to carry out e-commerce transactions. The volume of digital banking transactions increased during the pandemic by up to 20.8%, namely reaching 1,493 million transactions and nominally increasing by 23%, reaching IDR 8,223 trillion. The challenges are the security of data and transactions for users of fintech services, the ease with which customers can switch to other banks, and the lack of knowledge of rural communities to operate Fintech.

ANALISIS PELAKSANAAN GADAI TANAH PERTANIAN BERDASARKAN UNDANG-UNDANG NO. 56 PRP TAHUN 1960 TENTANG PENETAPAN LUAS TANAH PERTANIAN ( Studi Kasus di Kenagarian Simpang Tonang, Kecamatan Dua Koto, Pasaman ) Ihdi Aini
Yurisprudentia: Jurnal Hukum Ekonomi Vol 6, No 1 (2020)
Publisher : Institut agama islam negeri Padangsidimpuan

The implementation of the pawn in the Simpang Tonang Regency, Pasaman District is based on traditional law that has been in effect for a long time. This study aims to deteemine the suitability of implementation of the pawn that is applied in the village of Simpang Tonang with the implementation of the pawning regulated under Law No. 56 Prp 1960 concerning Determination of Agricultural Land Area. In Article 7 of the Law it is stated that the use of pawned land may only be for a period of 7 years. If the pawning has been going on for 7 years, the pawned land must be returned to the owner without ransom. The type of research used is field research with data collection techniques through observation and interviews with pawners, pawn recipients, and community leaders of Simpang Tonang Village. The data obtained were analyzed using inductive, deductive, and comparative methods. From the results of the analysis conducted, it is known that the implementation of the pawn is not in accordance with the provisions of Law No. 56/Prp/1960. The implementation of the pawn is more likely to benefit the pawner and it is colored by extortion of the pawner to the point that the desired goal of Law No. 56/Prp/1960, wich provides protection to the people of the economically weak group and to avoid the practise of mortgage lenders.

Pemanfaatan Zakat untuk Meningkatkan Pendapatan Mustahiq pada BAZNAS Kabupaten Dharmasraya Tezi Asmadia; Ihdi Aini; Netta Agusti
ZAWA: Management of Zakat and Waqf Journal Vol 3, No 1 (2023): ZAWA: MANAGEMENT OF ZAKAT AND WAQF JOURNAL
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/zawa.v3i1.9509

The main problem in this study is that the Productive Economy program is one of the Dharmasraya Makmur programs which aims to increase mustahiq's income in the long term and change their economic capabilities for the better. However, in carrying out productive zakat distribution programs, many problems occur in the field, including failures due to their own efforts such as production aspects, low business motivation, indiscipline in the use of zakat funds and indiscipline in the use of funds, causing differences in the income of mustahiq recipients of productive zakat funds. The type of research conducted is field research or field research using a descriptive qualitative approach. Data collection techniques that the authors use are interviews and documentation. The analysis technique used is data reduction, data presentation, and drawing conclusions. The results showed that the distribution of productive zakat funds in the form of business capital provided by BAZNAS Dharmasraya Regency to 30 mustahiq people as a sample of this study can be said to be successful in increasing mustahiq income in terms of the average increase in mustahiq income, which is 80%. However, mustahiq who are not successful in developing their business because these funds are used to meet mustahiq's personal needs and productive zakat funds channeled by BAZNAS Dharmasraya Regency are quite large but not accompanied by coaching because the accompanying HR (Human Resources) is lacking, so mustahiq who receive these funds are trying to develop their own business, but in the middle of running the business, they are confused about how to manage the business that is being occupied so that there is no significant development.

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