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All Journal JBTI : Jurnal Bisnis : Teori dan Implementasi Jurnal Riset Ekonomi dan Bisnis E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS JEBI (Jurnal Ekonomi dan Bisnis Islam) Transcendent Journal of Mathematics and Applications International Journal of Kita Kreatif
Rika Mulia
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Mathematics Physics Social Sciences

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DETERMINING FACTORS OF CARDLESS CASH WITHDRAWALS USAGE AT ISLAMIC BANKS IN ACEH Muharama, Zahara; Sanusi, Soliha; Mulia, Rika
Journal of Sharia Economics Vol. 7 No. 1 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i1.9576

Abstract

Digital transformation in Islamic banking has driven the development of cardless cash withdrawal services as an effort to enhance transaction convenience and flexibility for customers. However, the decision to use this service is influenced by various perceptual factors. This study aims to analyze the effects of efficiency, convenience, risk, and trust on customers’ decisions to use cardless cash withdrawal services at Bank Syariah Indonesia and Bank Aceh Syariah in Aceh. This research employs a quantitative approach using a survey method involving 100 respondents who are active mobile banking users. The data were analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that, partially, convenience and trust have a positive and significant effect on the decision to use cardless cash withdrawal services, while efficiency and risk do not have a significant effect. Simultaneously, all variables have a significant effect on usage decisions. These findings suggest that customers’ decisions are primarily influenced by service convenience and the level of trust in the security and reliability of digital Islamic banking services.
Analysis Of The Islamic Bank Cash Withdrawal Service System For Foreign Tourists (A Case In Aceh Tengah Indonesia) Tiaranita, Dinda; Djakfar, Inayatillah; Mulia, Rika
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 1 (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/jimebis.v5i1.572

Abstract

Aceh Tengah is highland that attracts many tourists from domestic or foreign countries in Aceh. Bank Syariah Indonesia (BSI) of the Islamic banks that plays an important role regarding the cash withdrawal process by foreign tourists in Aceh Tengah District, Aceh Province, Indonesia. The study aims to determine how BSI facilitates cash withdrawal services in Aceh Tengah. This study used a qualitative method with a descriptive field approach from foreign tourists that visiting Aceh Tengah. The results of this study indicate that there are several obstacles experienced by tourists in the cash withdrawal process, such as some of their bank cards are not supported by the available ATM (Automated Teller Machine) even through the Teller counters would have been not accessible for them. It is expected that this study will highlights the needs of upgrading system for Islamic banks that operating in Aceh Tengah for foreign tourists in using cash withdrawal services.
Exploring The Impact Of E-Commerce And Digital Skills On The Consumptive Behavior Of Muslim Generation Z In Banda Aceh Nanda, Teuku Syifa Fadrizha; Mulia, Rika; Mutiara, Sulis
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 6 No. 1 (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/q6exrt12

Abstract

The advancement of digital technology has significantly influenced consumer behavior, particularly among Generation Z, who are closely connected with e-commerce and digital tools. This study aims to analyze the influence of e-commerce and digital skill on the consumptive behavior of Muslim Generation Z in Banda Aceh. A quantitative approach was used through a survey of 100 purposively selected respondents. Data were collected via online questionnaires and analyzed using multiple linear regression. The results show that both e-commerce and digital skill have a positive and significant influence on consumptive behavior, both partially and simultaneously. E-commerce measured by cost efficiency, platform reputation, and transaction ease contribute to impulsive buying behavior. Digital skill including the ability to assess digital information, use social media, and engage in online transactions also increases consumption tendencies, particularly in the absence of ethical awareness. The coefficient of determination (R²) value of 0.637 indicates that 63.7% of the variance in consumptive behavior can be explained by the two variables. These findings are crucial in the context of Muslim communities, where excessive consumption contradicts Islamic values such as tabzir (wastefullness) and israf (extravagance). The study suggests promoting Islamic-based digital literacy to balance technological competence and consumption control.
Beyond the Halal Label: Halalan-Tayyiban Perceptions Among Health-Conscious Muslim Women Rika Mulia; Tasya Nabila; Harmani Harmani
Jurnal Riset Ekonomi dan Bisnis Vol. 19 No. 1 (2026): APRIL
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jreb.v19i1.13942

Abstract

The concept of halalan tayyiban in Islam emphasizes not only the permissibility of food (halal), but also its quality, safety, and wholesomeness (tayyib). In practice, however, Muslim consumers often rely mainly on the halal label when choosing food. The increasing availability of UPF, GMO, and products containing artificial additives raises concerns about the health implications. This situation has encouraged the growth of healthy lifestyle movements, especially among Muslim women as primary decision-makers in household food consumption. This study aims to explore the perceptions of Muslim women who adopt a healthy lifestyle toward halal-labelled foods in relation to the concept of halalan tayyiban. A qualitative descriptive method was used by collecting data through open-ended online questionnaires from 30 Muslim women. The data were analysed thematically. The findings show that the halal label is viewed as a basic requirement but not a guarantee of tayyib. Participants also consider BPOM registration, ingredients, nutritional information, and labels such as organic and non-GMO. They tend to focus more on production processes and ingredient origins in relation to health. These results imply the need for stronger transparency in halal certification and increased ethical consumption awareness.
Co-Authors Alldila Nadhira Ayu Setyaning Artanoga, Fawwaz Fithriady Ilyas Fricia Indriana Harmani Harmani HARMANI, HARMANI Inayatillah Djakfar Inayatillah Inayatillah INDRIANA, FRICIA Ismuadi Ismuadi Labika Yuyun Erdiyana Meliza Meliza Muhammad Zulhilmi Muharama, Zahara Mutiara, Sulis Nanda, Teuku Syifa Fadrizha Safitri, Nova Said Rafli Ridha Sanusi, Soliha Tasya Nabila Tiaranita, Dinda Winny Dian Safitri Yulindawati, Yulindawati