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All Journal Ahkam: Jurnal Ilmu Syariah Jurnal Akuntansi Muhammadiyah LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Ihtiyath : Jurnal Manajemen Keuangan Syariah AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Indonesian Journal of Global Health research J-ISCAN : Journal of Islamic Accounting Research Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Share: Jurnal Ekonomi dan Keuangan Islam EKOBIS SYARIAH Proceedings of Femfest International Conference on Economics, Management, and Business Advances In Social Humanities Research Jurnal Pengabdian Masyarakat ISEI Al-Mudharabah Proceedings of Femfest International Conference on Economics, Management, and Business Jurnal Ekonomi Manajemen dan Sekretari
Hasnita, Nevi
Univeritas Islam Negeri Ar-Raniry
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences

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ISLAMIC FINANCIAL LITERACY AND INCLUSION LEVEL Muksal, Muksal; Nevi Hasnita; Putri Nazirah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 1 (2023): Vol.7 No.1 Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i1.5765

Abstract

ISLAMIC FINANCIAL LITERACY AND INCLUSION LEVEL Abstract Purpose: This study aims to assess the level of literacy and inclusion of Islamic finance in the city of Banda Aceh following the implementation of Qanun No. 11 of 2018 on Islamic Financial Institutions. The research seeks to contribute insights into the impact of regulatory measures on financial literacy and inclusion in a region with a specific focus on Islamic finance. Design/methodology/approach: A descriptive qualitative method employing a questionnaire was used to gather data for this study. The research analyzed the responses to evaluate the changes in Islamic financial literacy and inclusion among the residents of Banda Aceh. Findings: The results indicate a notable increase in Islamic financial literacy from 71.99% to 89.70%, accompanied by an Islamic financial inclusion rate of 83.4%. Categorizing these results according to Chen and Volpe's criteria, the Islamic financial literacy and inclusion in Banda Aceh City fall into the high category. The findings underscore the positive impact of Qanun No. 11 of 2018, suggesting an enhanced understanding of Islamic financial concepts among the residents. Research limitations/implications: While the study provides valuable insights, it is essential to acknowledge some limitations. The research focuses on a specific geographic location, and the results may not be generalizable to other regions. Additionally, the study relies on self-reported data, which may be subject to respondent bias. Practical implications: The findings of this study emphasize the importance of improving Islamic financial literacy. Residents of Banda Aceh City are encouraged to enhance their knowledge of various financial topics, including budgeting, investing, credit, insurance, and retirement planning. Increased financial literacy can empower individuals to make more informed decisions when utilizing services and products offered by financial institutions. Keywords: Literacy; inclusion, Islamic Finance TINGKAT LITERASI DAN INKLUSI KEUANGAN SYARIAH Abstrak Tujuan: Penelitian ini bertujuan untuk mengkaji tingkat literasi dan inklusi keuangan syariah di Kota Banda Aceh pasca penerapan Qanun No. 11 Tahun 2018 tentang Lembaga Keuangan Syariah. Penelitian ini bertujuan untuk menyumbangkan wawasan tentang dampak langkah-langkah pengaturan terhadap literasi dan inklusi keuangan di suatu wilayah dengan fokus khusus pada keuangan Islam. Desain / metodologi / pendekatan: Metode kualitatif deskriptif menggunakan kuesioner digunakan untuk mengumpulkan data untuk penelitian ini. Penelitian ini menganalisis tanggapan untuk mengevaluasi perubahan literasi dan inklusi keuangan Islam di antara penduduk Banda Aceh. Kesimpulan: Hasilnya menunjukkan peningkatan literasi keuangan syariah yang signifikan dari 71,99% menjadi 89,70%, disertai dengan tingkat inklusi keuangan syariah sebesar 83,4%. Mengkategorikan hasil ini sesuai dengan kriteria Chen dan Volpe, literasi dan inklusi keuangan syariah di Kota Banda Aceh termasuk dalam kategori tinggi. Temuan ini menggarisbawahi dampak positif Qanun No. 11 tahun 2018, menunjukkan peningkatan pemahaman tentang konsep keuangan syariah di kalangan warga. Keterbatasan / implikasi penelitian: Meskipun penelitian ini memberikan wawasan yang berharga, penting untuk mengakui beberapa keterbatasan. Penelitian ini berfokus pada lokasi geografis tertentu, dan hasilnya mungkin tidak dapat digeneralisasikan ke wilayah lain. Selain itu, penelitian ini bergantung pada data yang dilaporkan sendiri, yang mungkin tunduk pada bias responden. Implikasi praktis: Temuan penelitian ini menekankan pentingnya meningkatkan literasi keuangan syariah. Warga Kota Banda Aceh didorong untuk meningkatkan pengetahuan mereka tentang berbagai topik keuangan, termasuk penganggaran, investasi, kredit, asuransi, dan perencanaan pensiun. Peningkatan literasi keuangan dapat memberdayakan individu untuk membuat keputusan yang lebih tepat ketika memanfaatkan layanan dan produk yang ditawarkan oleh lembaga keuangan. Kata kunci: Literasi; inklusi, Keuangan Islam
User Satisfaction on Graduate Competence: Insight form Islamic Banking Alumni, 2019-2024 Fitri, Cut Elda Ram; Hasnita, Nevi; Fitria, Ana
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 17 No. 2 (2025): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v17i2.5798

Abstract

This study aims to analyze user satisfaction and graduate performance of the Islamic Banking Department of Universitas Islam Negeri Ar-Raniry Banda Aceh in the 2019–2024 period as an effort to improve graduate quality and department accreditation. The issues raised include the suitability of graduate competencies to the world of work, waiting time to get a job, and the scope of work areas. The method used is a combination of a descriptive quantitative approach through the distribution of questionnaires to 100 alumni and 50 graduate users, and a qualitative approach through in-depth interviews with users from the Islamic finance sector, government institutions, and multi-finance. The results show that the majority of graduates are absorbed into the world of work in less than six months, with internship experience being a significant factor in accelerating this process. The majority of alumni work at the national and local levels, while a small number have penetrated the national job market. Graduate users assess that alumni have a good work ethic, adequate mastery of technology, and appropriate technical skills, but still need improvement in public communication and foreign language proficiency. The conclusion of this study indicates that graduates of the Islamic Banking department are well-prepared for work, and that practice-based learning, such as internships, and an efficient study period are key to improving graduate quality. These results provide a strategic foundation for curriculum development and improving the department's accreditation toward excellence.
ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM UPAYA PENCEGAHAN PEMBIAYAAN BERMASALAH PADA PT. BPRS HIKMAH WAKILAH BANDA ACEH Nadia , Sarah; Hasnita, Nevi; I, Isnaliana
Scientific Journal of Students Islamic Economics and Business Vol. 1 No. 2 (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.v1i2.133

Abstract

Penelitian ini dilakukan untuk mengetahui faktor-faktor terjadinya pembiayaan bermasalah serta penerapan manajemen risiko dalam upaya pencegahan terjadinya pembiayaan bermasalah pada PT. BPRS Hikmah Wakilah Banda Aceh. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data yang digunakan yaitu wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa faktor terjadinya pembiayaan bermasalah terdiri dari faktor internal dan faktor eksternal. Adapun penerapan manajemen risiko yang digunakan yaitu identifikasi risiko, pengukuran risiko, pemantauan risiko dan pengendalian risiko. Keempat proses manajemen risiko di atas mencakup analisis 5C, kelengkapan dokumen, serta monitoring rutin dengan melakukan kunjungan harian. Dalam penyelesaian pembiayaan bermasalah PT. BPRS Hikmah Wakilah Banda Aceh menggunakan pendekatan persuasive dengan melakukan musyawarah yang kemudian diterapkan penjadwalan kembali (reschedulling), persyaratan kembali (reconditioning), penataan kembali (restructuring), hingga eksekusi jaminan. Penerapan manajemen risiko yang digunakan sudah berjalan dengan efektif dalam meminimalisasi risiko pembiayaan bermasalah. Hal ini di buktikan dengan penurunan tingkat Non Performing Financing (NPF).
Analysis Implementation Of Accounting Information Systems In Supporting Internal Control Of Rahn (Pawn) Financing At Darussalam Syariah Pawnship Banda Aceh Evriyenni, Evriyenni; Ramadhani, Natasya; Hasnita, Nevi; Yulianti, Rahmah
Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 2 (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/dkdjnk09

Abstract

Accounting Information Systems (AIS) play a vital role in strengthening the governance of Islamic financial institutions, particularly in ensuring transparency, accountability, and compliance with sharia principles. This study aims to analyze the implementation of AIS in supporting internal control of Rahn (pawn) financing at Pawnship Syariah Darussalam Banda Aceh. The study employs a descriptive qualitative method; with data collected through interviews, observations, and documentation. The results indicate that AIS is integrated into all operational stages of Rahn financing, from customer data recording, collateral appraisal, and financing disbursement to repayment. Features such as audit trails, access authorization, automatic notifications, and real-time reporting were found to enhance internal control. However, challenges remain, including data entry errors and limited human resource competencies. The study concludes that AIS implementation at Pawnship Syariah Darussalam Banda Aceh contributes significantly to internal control effectiveness, though improvements in staff training and system development are still required. Keywords: Accounting information systems, internal control, rahn financing, pawnship syariah
Co-Authors Abdurrahman, Faisal Bin Abrar Amri Aini, Intan Qurratul Al Harits , Muhammad Amanatillah, Dara Ana Fitria Ana Fitria Analiansyah Ayumiati, Ayumiati Azimah Dianah Azis Sali Husin Azra Masturah Binti Mas Pelin Cahyani, Aulia Dwi Oktavia Cut Rizka Kamila Dara Amanatillah Dian Muzerika Evriyenni Evy Iskandar Fajar Rezky Maulana Febrina Rezky Fitri, Cut Elda Ram Hafas Furqani I, Isnaliana Ichwansyah, Fachmi Inayatillah Djakfar Indina Tazkiya Lubis Irfani, Ahmad Irwanda, Muhammad Luthfi Ismail Rasyid Ridla Tarigan Ismuadi Ismuadi Ismuadi Isnaliana Isnaliana Israk Ahmadsyah Jalaluddin Jalaluddin Jannah, Khufwatul Listanti , Maya M.Khairuzzadi Maidari, Elisa Mardiaton, Mardiaton Meutia Zahara Mira Dira Darmah Mohammad Haikal Muhammad Afrianda Muhammad Al Harits Muhammad Yasir Muhammad Yasir Yusuf Mukhsin Nyak Umar Muksal Muksal Munthasar Munthasar Nadia , Sarah Novtari Isda, Milda Nurhaliza Nurhaliza Nurlaila Nurlaila Ona Suarnidar Palevy, Muhammad Reza Pelin, Binti Mas Putri Nazirah Rahmah Yulianti, Rahmah Ramadhani, Natasya Ridwan Nurdin Riza Aulia Rony, Zahara Tussoleha Sarah Nadia Solly Aryza Tarigan, Ismail Rasyid Ridla Usman, Said Yulindawati Yulindawati Zakiiya, Ghulaman Zyaul Fitra