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All Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Bisnis Kompetitif
Yoni Hendrawan
STAIN Teungku Dirundeng Meulaboh
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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THE INFLUENCE OF FINTECH DEVELOPMENT ON INTEREST IN NON-CASH TRANSACTIONS AMONG THE MEULABOH COMMUNITY IN WEST ACEH Widasari; Muliza; Yoni Hendrawan
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 3 (2026): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18919687

Abstract

The people of Meulaboh, West Aceh, continue to follow developments in information technology, as evidenced by the easy access to the internet in Meulaboh, West Aceh. Furthermore, a positive impact of technological developments in the financial sector is the ability to conduct cashless transactions through fintech. This study aims to examine the influence of fintech developments on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions. This study employed a quantitative research method, collecting data using questionnaires and analyzing data using simple regression tests. The results showed a significance value (Sig) of 0.000, lower than 0.05, and a t-value (t-count) of 24.113, greater than the t-table of 1.660. This concludes that fintech developments have a significant positive effect on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions.
THE INFLUENCE OF FINTECH DEVELOPMENT ON INTEREST IN NON-CASH TRANSACTIONS AMONG THE MEULABOH COMMUNITY IN WEST ACEH Widasari; Muliza; Yoni Hendrawan
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 4 (2026): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20039122

Abstract

The people of Meulaboh, West Aceh, continue to follow developments in information technology, as evidenced by the easy access to the internet in Meulaboh, West Aceh. Furthermore, a positive impact of technological developments in the financial sector is the ability to conduct cashless transactions through fintech. This study aims to examine the influence of fintech developments on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions. This study employed a quantitative research method, collecting data using questionnaires and analyzing data using simple regression tests. The results showed a significance value (Sig) of 0.000, lower than 0.05, and a t-value (t-count) of 24.113, greater than the t-table of 1.660. This concludes that fintech developments have a significant positive effect on the interest of the people of Meulaboh, West Aceh, in conducting cashless transactions.
Keterbatasan Inovasi Produk dalam Perbankan Syariah Indonesia: Analisis Struktural atas Hambatan Regulatif, Kelembagaan, dan Teknologi Fadillah Muawana; Mellyan Mellyan; Yoni Hendrawan
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 3 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i3.31973

Abstract

This study aims to critically examine the structural barriers limiting product innovation in Indonesia’s Islamic banking sector. Employing a qualitative method through a literature-based approach, this study analyzes academic publications, regulatory documents, and industry reports related to innovation in Islamic finance. The findings identify four major categories of challenges: regulatory complexity and Shariah compliance, limited human capital capabilities, slow digital transformation, and weak collaboration among academics, regulators, and industry actors. These factors interact and form a systemic structural hindrance to the innovation process. The study recommends regulatory reform grounded in maqashid al-shari’ah, capacity-building of human resources, digital adoption aligned with Islamic values, and the development of a sustainable, collaborative ecosystem. This research contributes to the discourse on strengthening Islamic financial innovation through an integrative and context-responsive framework
PENERAPAN AKAD IJARAH DI PEGADAIAN SYARIAH PADA PRODUK RAHN DALAM PERSPEKTIF EKONOMI MIKRO SYARIAH Agung Putra Andira; Irwansyah Pendi; Yoni Hendrawan
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 2 (2026): Transformasi Manajemen, Keuangan Syariah, dan Pembangunan Ekonomi Berkelanjutan
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i2.3031

Abstract

This study aims to analyze the application of the “ijarah” (lease) contract to “rahn” (collateral-backed loan) products at Pegadaian Syariah (Sharia-compliant pawnshops) from the perspective of Sharia microeconomics. DSN-MUI Fatwa Number 25/DSN-MUI/III/2002 stipulates that “ijarah” fees must not be determined based on the loan amount but rather as compensation for the maintenance and safekeeping of the pledged collateral. The study employs a qualitative method with a descriptive approach based on library research, utilizing secondary data from books, scholarly journals, DSN-MUI fatwas, and other relevant literature. The findings indicate that the application of “rahn” and “ijarah” contracts at Pegadaian Syariah reflects Sharia microeconomic principles: justice (al-'adl), public interest (maslahah), balance (tawazun), transparency, and mutual assistance (ta'awun). From a Sharia microeconomic perspective, the “ijarah” contract benefits the public by providing access to financing that is fast, convenient, and free from “riba” (usury), while Pegadaian Syariah generates revenue from asset safekeeping services rather than from interest on the loan itself. Thus, the application of the “ijarah” contract to “rahn” products represents the implementation of a transaction mechanism that aligns with Sharia principles and supports the creation of an economic system that is just and oriented toward public welfare
Co-Authors Agung Putra Andira Fadillah Muawana Irwansyah Pendi Mellyan Mellyan Muliza Widasari