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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 JOURNAL OF INFORMATICS AND COMPUTER SCIENCE 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 Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah EKOBIS SYARIAH JURNAL ILMIAH GEMA PERENCANA JURISTA : Jurnal Hukum dan Keadilan J-ISCAN : Journal of Islamic Accounting Research jle
Muhammad Zulhilmi
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education 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).
Penguatan Keuangan Pondok Pesantren: Identifikasi Faktor yang Mempengaruhi Pemberdayaan Ekonomi di Dayah Mini Aceh Zulhilmi, Muhammad; Safitri, Winny Dian; Afriani, Susi; Meutia, Rachmi
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.341

Abstract

Dayah Mini Aceh has excellent potential in boosting the economy. This can be seen in the businesses that have been developed in Dayah Mini, including fish and shrimp ponds, goats, chickens, ducks and water depots managed directly by the students. The purpose of this study is to find out and analyze how much the understanding of entrepreneurship affects the economic empowerment of Pondok Pesantren. This study is quantitative research using the Structural Equation Modeling (SEM) method with a Partial Least Square (PLS) approach with a population of 30 Dayah Mini Aceh students aged 16-19 years. The data used in this study is primary data by distributing questionnaires directly. The results of this study show that entrepreneurial knowledge does not have a significant effect on the empowerment of Pondok Pesantren. This can be influenced by the age factor of the students who are still very young in making a decision; entrepreneurial ability does not have a significant effect on the economic empowerment of pesantren because the role of students as business managers is not administrative or business sustainability; entrepreneurial skills have a significant effect on the economic empowerment of pesantren-based communities; Creative and innovative in entrepreneurship has a significant effect on the economic empowerment of Pondok Pesantren. Economic empowerment in Dayah Mini must be carried out actively by improving the skills, innovation and creativity of students in developing the spirit of entrepreneurship in order to encourage the financial strengthening of Dayah Mini Aceh.
PENGARUH PERILAKU MAHASISWA TERHADAP FAKTOR PENGAMBILAN KEPUTUSAN BELANJA GADGET DALAM PERSPEKTIF KONSUMSI ISLAMI (Studi Terhadap Mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh) F, Firjatullah; Zulhilmi, Muhammad; Desiana, Rina
Scientific Journal of Students Islamic Economics and Business Vol. 1 No. 1 (2020): 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.v1i1.114

Abstract

Keputusan belanja adalah beberapa tahapan yang dilakukan oleh konsumen sebelum melakukan keputusan belanja suatu produk. Penelitian ini bertujuan untuk mengetahui pengaruh gaya hidup, kualitas produk, dan harga terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget dalam perspektif konsumsi Islami. Jenis penelitian ini adalah penelitian kuantitatif, menggunakan desain penelitian cross sectional study. Hasil penelitian menunjukkan bahwa gaya hidup berpengaruh secara signifikan terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget pada sebesar 0,302. Kualitas produk berpengaruh secara signifikan terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget sebesar 0,366. Harga berpengaruh secara signifikan terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget sebesar 0,342. Maka secara simultan gaya hidup, kualitas produk, dan harga berpengaruh signifikan serta positif terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget.
Faktor-Faktor Yang Mempengaruhi Muzakki Dalam Membayar Zakat Perniagaan (Studi Terhadap Pedagang Di Kota Banda Aceh) Yunita, Ratna; Zulhilmi, Muhammad; Desiana, Rina
Scientific Journal of Students Islamic Economics and Business Vol. 2 No. 2 (2021): 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.v2i2.186

Abstract

Commercial zakat is zakat issued on property ownership intended for buying and selling, which of course has reached the nishab or haul. Trading activities are efforts made by humans to obtain halal sustenance aimed at being able to meet the needs of human life. This study was conducted to determine the factors that influence muzakki in paying commercial zakat (study of traders in Banda Aceh City). This research is a field research (Field Research) using quantitative methods. Sampling method using Non-Probability Sampling technique. The sample used in this study was 100 muzakki or traders in Banda Aceh City. The data used in this study is primary data which is data obtained directly from respondents by distributing questionnaires. The results of the multiple regression analysis show that partially trust and self-awareness factors have a positive and significant effect on muzakki in paying commercial zakat (study pf traders in Banda Aceh City). On the other hand partially understanding factors do not have a significant effect on muzakki in paying zakat on brokerage (study of traders in Banda Aceh City)
Promotion Strategies And Product Innovation As Determinants Of MSME Income: A Sharia Marketing Approach (Case Study In Kopelma Darussalam) Putriana, Devi; Amanatillah, Dara; Zulhilmi, Muhammad
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/b7772y67

Abstract

Micro, Small and Medium Enterprises (MSMEs) have an important and strategic role for economic growth in Indonesia. The existence of MSMEs has the potential to increase income for business actors by implementing the latest promotional strategies and innovations that can provide innovation in business. Based on sharia marketing, promotions must be based on sharia compliance, which reflects the truth, justice and honesty of society, while product innovation is very important to carry out in the hope of maintaining the beneficial value of a particular product for consumers. This research aims to determine the influence of promotional strategies and product innovation on the income of MSMEs in Kopelma Darussalam. This research uses a quantitative method with an associative approach through distributing questionnaires using Roscoe, the data analysis method used in this research is the classical assumption test, multiple linear regression test and hypothesis testing using SPSS 22 software. The results of the research show that, partially and simultaneously, promotional strategy and product innovation variables have a significant effect on the income of MSME traders in Kopelma Darussalam. Keywords: Promotion strategy, product innovation, income, and MSMEs.
Co-Authors A. Hamid Sarong Afdiani, Sri Afriani, Susi Ahadi, Mu’thial Amanatillah, Dara Ana Fitria Awalurramadhana Awalurramadhana Azimah Dianah Cut Dian Fitri Cut Elfida F, Firjatullah Firjatullah F Fricia Indriana Hafas Furqani Hafidhah Hafidhah Hafiizh Maulana Hayatul Khusna Husna, Aulia Iskandar, Muhammad Ismuadi Ismuadi Isnaliana Isnaliana Jalaluddin Jalaluddin Jannah SI, Sari Raudhatul Khairul Amri Khairul Amri Khalil, Zaki Fuad Maulidi, Irham Mella Zelfia Meutia, Rachmi Mufti, Muhammad Arif Muhammad Adnan Muhammad Siddiq Armia Muhammad Syauqi Bin-Armia Muksal Muksal Nadlia Ariyati Nasrul, Akmal Nilam Sari Nisa Adila Putriana, Devi Rahmi Rahmi Ratna Yunita Ratna Yunita Rika Mulia Rina Desiana Rismaini, Rismaini Sugito - Teuku Ghufran Wafi Ulfia, Nur Winny Dian Safitri Zahlul Pasha Zaki Fuad