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All Journal Al-Ihkam: Jurnal Hukum dan Pranata Sosial PETITA: Jurnal Kajian Ilmu Hukum dan Syariah (PJKIHdS) Al-Muzara'ah Jurnal Samudra Ekonomi dan Bisnis E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Ekombis: Jurnal Fakultas Ekonomi Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Jurnal Cahaya Mandalika Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS SI-MEN (AKUNTANSI & MANAJEMEN) STIES Business and Entrepreneurial Review Golden Ratio of Data in Summary Maqrizi : Journal of Economics and Islamic Economics EKOBIS SYARIAH JURISTA : Jurnal Hukum dan Keadilan J-ISCAN : Journal of Islamic Accounting Research jle
Muhammad Zulhilmi
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Faktor Penentu Keputusan Pembelian Online pada E-Commerce Shopee di Era Pasca Pandemi COVID-19: Studi Empiris di Kota Banda Aceh Mufti, Muhammad Arif; Sari, Nilam; Zulhilmi, Muhammad
Journal of Law and Economics Vol. 3 No. 2 (2024): NOVEMBER 2024
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/jle.v3i2.220

Abstract

This study employs a quantitative approach, utilizing both primary and secondary data sources. The objective is to examine the influence of price, trust, and security on online purchasing decisions on Shopee e-commerce in the post-COVID-19 pandemic era. The population consists of residents of Banda Aceh City, with a sample of 100 respondents selected using the purposive sampling technique. Data analysis is conducted using multiple linear regression with the assistance of SPSS software. The findings indicate that the variables of price, trust, and security collectively have a positive and significant effect on purchasing decisions. Individually, each variable—price, trust, and security—also exerts a positive and significant influence on purchasing decisions.
The Urgency of Standardization of Transaction Policies in The Islamic Financial System in The Digital Era Zulhilmi, Muhammad; Husna, Aulia
Golden Ratio of Data in Summary Vol. 5 No. 4 (2025): August - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i4.1648

Abstract

The development of information technology has revolutionized the financial industry, including the Islamic financial system. This study uses a descriptive-qualitative method with a literature review approach to explore the urgency of standardizing transaction policies in digital Islamic finance. The results show that the lack of comprehensive regulations and differing interpretations of Sharia contracts between institutions create legal uncertainty and potential doubts. Standardizing transaction policies is crucial to ensure compliance with Sharia principles and prevent practices that harm consumers. Furthermore, collaboration between regulators, fatwa authorities, and industry players is needed to develop specific regulations governing digital Sharia transactions. In conclusion, developing operational standards and improving public literacy are also crucial for creating an inclusive and sustainable Islamic financial ecosystem.
Faktor Penentu Keputusan Pembelian Online pada E-Commerce Shopee di Era Pasca Pandemi COVID-19: Studi Empiris di Kota Banda Aceh Mufti, Muhammad Arif; Sari, Nilam; Zulhilmi, Muhammad
Journal of Law and Economics Vol. 3 No. 2 (2024): NOVEMBER 2024
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/jle.v3i2.220

Abstract

This study employs a quantitative approach, utilizing both primary and secondary data sources. The objective is to examine the influence of price, trust, and security on online purchasing decisions on Shopee e-commerce in the post-COVID-19 pandemic era. The population consists of residents of Banda Aceh City, with a sample of 100 respondents selected using the purposive sampling technique. Data analysis is conducted using multiple linear regression with the assistance of SPSS software. The findings indicate that the variables of price, trust, and security collectively have a positive and significant effect on purchasing decisions. Individually, each variable—price, trust, and security—also exerts a positive and significant influence on purchasing decisions.
ANALISIS PENETAPAN MARGIN KEUNTUNGAN MURABAHAH PADA BANK SYARIAH DI INDONESIA Ahadi, Mu’thial; Zulhilmi, Muhammad; Isnaliana, Isnaliana
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 5 No. 2 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i2.25423

Abstract

Murabahah financing is a form of buying and selling financing with certain benefits added on top of the acquisition cost, where repayment can be made in cash or in installments. This study aims to look at the factors determining murabahah profit margins. The researcher uses a qualitative descriptive approach using primary data, library research, literature studies, and is also supported by related topics obtained from the web and information sources on Islamic banking. The results showed that the factors with the greatest potential in determining margins were internal factors (overhead costs, financing volume, profit targets, third party funds and acquiring costs) and external factors (BI rate and market competition).
Determinan Perekonomian Aceh Pasca Dana Otonomi Khusus Zulhilmi, Muhammad
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 3 No. 3 (2022)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jcm.v3i3.3453

Abstract

Pertumbuhan ekonomi merupakan suatu proses yang mencerminkan aspek dinamis dari suatu perekonomian yang menggambarkan pergerakan ekonomi dari waktu ke waktu Pertumbuhan ekonomi menjadi salah satu indikator keberhasilan pelaksanaan pembangunan yang dapat menjadikan tolak ukur secara makro dan dapat dicerminkan dari perubahan Produk Domestik Regional Bruto (PDRB) dalam suatu daerah. Penelitian ini dilakukan untuk mengetahui pengaruh dari Dana Bagi Hasil (DBH) dan Tambahan Dana Bagi Hasil (TDBH) minyak dan gas bumi terhadap perekonomian Aceh pasca dana otonomi khusus berakhir ditinjau dari perspektif ekonomi Islam. Jenis penelitian yang digunakan dalam penelitian ini adalah bersifat kuantitatif. Metode yang digunakan dalam penelitian ini adalah menggunakan model Autoregressive Distributed Lag (ARDL). Data yang digunakan dalam penelitian ini adalah data sekunder yang bersumber dari instansi-instansi terkait. Hasil penelitian ini yang menggunakan model ARDL menunjukkan bahwa secara parsial DBH migas berpengaruh negatif dan signifikan sedangkan TDBH migas memberikan pengaruh positif dan signifikan terhadap perekonomian Aceh pasca Dana otonomi khusus berakhir. Pengalokasian DBH dan TDBH migas dialokasikan dengan konsep kepemilikan dalam Islam yang dibagikan secara merata kepada yang memiliki hak untuk memanfaatkan dana tersebut.
Determinasi Minat Mahasiswa Perbankan Syariah Universitas Islam Negeri Ar-Raniry dalam Penggunaan Aplikasi Dana Muksal, Muksal; Zulhilmi, Muhammad; Afdiani, Sri
Maqrizi: Journal of Economics and Islamic Economics Vol 4 No 1 (2024): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v4i1.812

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh faktor fitur, kemudahan, keamanan, dan kemanfaatan terhadap minat mahasiswa perbakan syariah dalam menggunakan dompet digital (aplikasi DANA). Penelitian ini menggunakan penelitian kuantitatif dimana pengambilan sampelnya dengan teknik purposive sampling terhadap 87 mahasiswa perbankan syariah Universitas Islam Negeri Ar-Raniry Banda Aceh. Metode analisis data dengan menggunakan analisis regresi linear berganda yang dibantu dengan SPSS versi 20. Hasil penelitian ini menunjukan bahwa secara parsial Fitur, kemudahan dan keamanan berpengaruh signifikan dan positif terhadap minat mahasiswa perbankan syariah dalam menggunakan dompet digital (Aplikasi DANA), Sedangkan kemanfaatan tidak berpengaruh signifikan terhadap minat mahasiswa perbankan syariah dalam menggunakan dompet digital (Aplikasi DANA). Secara simultan variabel fitur, kemudahan, keamanan, dan kemanfaatan berpengaruh secara simultan dan signifikan terhadap minat mahasiswa perbankan syariah dalam menggunakan dompet digital (Aplikasi DANA).
Co-Authors A. Hamid Sarong Afdiani, Sri Ahadi, Mu’thial Ana Fitria Awalurramadhana Awalurramadhana Azimah Dianah Cut Dian Fitri Firjatullah F Fricia Indriana Hafiizh Maulana Hayatul Khusna Husna, Aulia Iskandar, Muhammad Ismuadi Ismuadi Isnaliana Isnaliana Khairul Amri Khalil, Zaki Fuad Mella Zelfia Mufti, Muhammad Arif Muhammad Adnan Muhammad Siddiq Armia Muhammad Syauqi Bin-Armia Muksal Muksal Nadlia Ariyati Nilam Sari Nisa Adila Rahmi Rahmi Ratna Yunita Rika Mulia Rina Desiana Sugito - Teuku Ghufran Wafi Winny Dian Safitri Zahlul Pasha Zaki Fuad