Article Per Year (5 Year)
p-Index From 2021 - 2026
1.151
P-Index
This Author published in this journals
All Journal Ilomata International Journal of Management Jurnal Investasi Islam Jurnal Ekonomi e-Jurnal Apresiasi Ekonomi Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Tuti Anggraini
State Islamic University of North Sumatra
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Published : 5 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 5 Documents
Search

 1 
ANALYSIS OF SHARIA BANK ANTI-MONEY LAUNDERING PREVENTION STRATEGIES OR COMBATING THE FINANCING OF TERRORISM (AML/CFT) IN MAINTAINING CUSTOMER DATA PRIVACY AND SECURITY IN THE 5G TECHNOLOGY ERA (Case Study On Indonesian Sharia Bank Kc Medan Adam Malik) Rizky Aditya Ananda; Tuti Anggraini
Jurnal Ekonomi Vol. 11 No. 03 (2022): Jurnal Ekonomi, 2022 Periode Desember
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to find out and see whether there is money laundering, whether the strategy implemented is effective or a data security system strategy. This study used descriptive qualitative method. Data collection techniques using observation and interviews. Based on the results of the study it can be concluded that (1) One of the efforts of PT Bank Syariah Indonesia KC. Medan Adam Malik prevents money laundering by applying the know your customer principle with early detection, namely when a customer opens an account and is equipped with various ways to find out what the customer is doing, how much income per month, from there we can detect earlier if a crime of laundering occurs money. (2) Obstacles in applying the principle of knowing your customer are internal barriers, including the lack of identification and formation of customers. There are external constraints, customers themselves are not honest in providing complete information to the bank, there are employees who look for customer information that is not detailed, and customers who are dishonest when asked about the actual situation, and (3) Maintaining the privacy of customer data anti-money laundering, implementing KYCP (Know Your Customer Principles) based on Bank Indonesia Regulation No. 3/10/PBI/2001 concerning Know Your Customer Principles, c is an effective way to get to know customers who want to save or invest their capital.
The Influence of Knowledge, Perceptions, and E-Banking Facilities on Customer Interest in Using Bank Muamalat Products: Case Study at Bank Muamalat KCP Stabat Safrina Safitri; Atika Atika; Tuti Anggraini
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 8, No 1 (2021): April
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v8i1.4847

Abstract

This research aims to determine the influence of knowledge, perceptions, and e-banking facilities on customer interest in using Bank Muamalat products, focusing on Bank Muamalat KCP Stabat. The research method used was a survey by distributing questionnaires to Bank Muamalat KCP Stabat e-banking service customers. Customer knowledge about e-banking is measured through their understanding of the e-banking features offered by Bank Muamalat. Customer perceptions of e-banking are assessed from their views on security, comfort, and service reliability. E-banking facilities are checked based on availability and ease of customer access to services. It is hoped that the results of this research will provide a better understanding of the factors influencing customer interest in using Bank Muamalat products via e-banking. The implications of these findings can help Bank Muamalat KCP Stabat improve its e-banking services to attract more customer interest and increase their satisfaction with the bank's products.
THE EFFECT OF PRICE DISCOUNT, BONUS PACK AND INSTORE DISPLAY ON IMPLUSE BUYING (CASE STUDY AT SUZUYA MALL MARELAN) Cindy Kumala Dewi; Tuti Anggraini; Tri Inda Fadhila Rahma
Jurnal Apresiasi Ekonomi Vol 13, No 1 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i1.914

Abstract

Modern retail stores are currently competing to provide the best service to attract more customers. One example is Suzuya Mall. Promotions are carried out for all products offered with various methods, such as price discounts, bonus packs and instore displays. The purpose of this study was to analyze the effect of price discounts, bonus packs, instore displays on impulse buying. On consumers at Suzuya Mall Marelan. Using a sample of 100 respondents and obtained using the Slovin Technique. With the data collection used in this study is a questionnaire. The results of the study showed that the price discount variable (X1) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.014 (a=0.05). The bonus pack variable (X2) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.000 (a=0.05). The in-store display variable (X3) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.025 (a=0.05). price discount, bonus pack and in-store display have a simultaneous effect on impulse buying decisions at Suzuya Mall with a p-value of 0.000 (a=0.05).Keywords: price discount, in-store bonus pack and display on impulse buying
Banking Digitalization and Operational Efficiency: A Qualitative Study on the Implementation of Paperless Systems in Sustainable Islamic Banking Karin Aribi Ivanka; Nurlaila; Tuti Anggraini
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15822

Abstract

This study aims to analyze the implementation of paperless systems in improving operational efficiency within sustainable Islamic banking in Indonesia through a Systematic Literature Review (SLR). The study is motivated by the increasing digital transformation of Islamic banking, while many institutions continue to rely on hybrid administrative systems that combine digital and paper-based documents, resulting in duplicated processes, higher operational costs, and reduced efficiency. Previous studies have primarily focused on customer-oriented digital services, whereas comprehensive discussions on paperless implementation in internal operations remain limited. The novelty of this study lies in integrating paperless systems, operational efficiency, green banking, sustainability, and Sharia governance into a unified analytical framework. The research employed a qualitative SLR approach by reviewing 30 journal articles published between 2022 and 2026 from multiple databases, including Scopus, Web of Science, ScienceDirect, Emerald, SpringerLink, Dimensions, Crossref, Google Scholar, Garuda, and SINTA. The findings indicate that paperless implementation improves administrative efficiency, reduces operational costs, enhances productivity, strengthens transparency and data security, and supports green banking practices. However, successful implementation depends on organizational capability, digital competence, technological readiness, cybersecurity, regulatory support, and management commitment. This study contributes theoretically by extending digital transformation literature in Islamic banking and provides practical recommendations for strengthening sustainable and Sharia-compliant digital governance.
Impact of Social Environment, Financial Education, and M-Banking Features on Impulsive Buying Behavior Among Indonesian University Students Gina Fadhilah; Laylan Syafina; Tuti Anggraini
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1321

Abstract

This study aims to determine the effect of social environment, financial education, and e-commerce supporting features on m-banking on impulsive buying behavior. This quantitative research uses a population of students from the Faculty of Islamic Economics and Business at UIN Sumatera Utara, employing multiple linear regression analysis with SPSS v.26. The sampling method used was purposive sampling technique using the slovin formula. The results of this study can highlight the importance of more integrated and practical financial education programs in universities. If it is proven that lack of financial literacy increases impulse buying behavior, educational institutions can develop curricula that focus more on money management and the impact of impulse spending. If m-banking features are proven to contribute to impulse buying behavior, then app developers can introduce features that encourage users to be more conscious about their spending. If peer influence is shown to have a significant impact on impulse buying behavior, then there needs to be a social intervention that educates students about social influences on their spending. Thus, collaboration between universities and m-banking service providers can strengthen financial education and impulse spending control efforts.
Co-Authors Atika Atika Cindy Kumala Dewi Gina Fadhilah Karin Aribi IVANKA Laylan Syafina Nurlaila Rizky Aditya Ananda Safrina Safitri Tri Inda Fadhila Rahma