Article Per Year (5 Year)
p-Index From 2020 - 2025
4.024
P-Index
This Author published in this journals
All Journal Ahkam: Jurnal Ilmu Syariah ESENSI: JURNAL BISNIS DAN MANAJEMEN BISNIS: Jurnal Bisnis dan Manajemen Islam LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum Dusturiah : Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Studia Economica: Jurnal Ekonomi Islam Jurnal EMT KITA SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Samudra Ekonomi dan Bisnis JABI (Jurnal Akuntansi Berkelanjutan Indonesia) Takammul : Jurnal Studi Gender dan Islam Serta Perlindungan Anak J-ISCAN : Journal of Islamic Accounting Research Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS SI-MEN (AKUNTANSI & MANAJEMEN) STIES Jurnal Perbankan Syariah Darussalam (JPSDa) EKOBIS SYARIAH
Ayumiati, Ayumiati
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

Published : 37 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 37 Documents
Search

 1   2   3   4 
Faktor-Faktor yang Mempengaruhi Minat Nasabah Memilih Asuransi Syariah Muksal, Muksal; Ayumiati, Ayumiati; Yuliadra, Teuku Fariz
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2165

Abstract

The purpose of this research is to examine the joint and many effects of the company's image, premium rates, and promotions on consumers' propensity to select PT. Banda Aceh Family Takaful. A total of 68 participants were selected at random for this quantitative investigation. The findings of the simultaneous and partials tests indicate that PT. Family Takaful Banda Aceh Branch's corporate image, premium rates, and promotions all have a favorable and statistically significant effect on customers' propensity to purchase insurance from the company. The R-Square value for this study is 56.1%, indicating its significance, with the remaining 43.9% attributable to confounding variables.
THE EFFECT OF CREDIT RISK AND OPERATIONAL EFFICIENCY ON THE PROFITABILITY OF ISLAMIC BANKS: A COMPARATIVE STUDY OF INDONESIA AND MALAYSIA 2017–2024 Rahmatillah, Siti Kartika; Nanda, Teuku Syifa Fadrizha; Ayumiati, Ayumiati
Journal of Sharia Economics Vol. 6 No. 2 (2025): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v6i2.8370

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh risiko pembiayaan (Non-Performing Financing/NPF) dan risiko operasional (Biaya Operasional terhadap Pendapatan Operasional/BOPO) terhadap kinerja keuangan perbankan syariah yang diukur dengan Return on Assets (ROA). Objek penelitian mencakup empat bank syariah, yaitu Bank Muamalat Indonesia, Bank Mega Syariah, Maybank Islamic Berhad, dan CIMB Islamic Berhad dengan periode observasi 2017–2024, yang meliputi pra-pandemi, masa pandemi COVID-19, dan pemulihan pasca-pandemi. Metode penelitian menggunakan pendekatan kuantitatif komparatif dengan data sekunder berupa laporan keuangan triwulanan. Analisis dilakukan dengan regresi data panel melalui EViews 12, uji F, uji t, serta uji beda antarbank. Hasil penelitian menunjukkan bahwa secara simultan NPF dan BOPO berpengaruh signifikan terhadap ROA dengan koefisien determinasi sebesar 71,44%. Secara parsial, NPF tidak berpengaruh signifikan terhadap ROA, sementara BOPO berpengaruh negatif signifikan. Uji beda mengungkapkan adanya perbedaan signifikan pada rata-rata NPF, BOPO, dan ROA antara bank syariah di Indonesia dan Malaysia. Bank syariah Indonesia lebih sensitif terhadap risiko pembiayaan, sedangkan bank syariah Malaysia lebih dipengaruhi oleh efisiensi operasional. Temuan ini menegaskan bahwa BOPO merupakan variabel paling dominan dalam menjelaskan variasi ROA, sedangkan pengaruh NPF relatif terbatas. Implikasi penelitian ini menekankan pentingnya peningkatan efisiensi operasional dan manajemen biaya untuk memperkuat profitabilitas bank syariah di kawasan ASEAN.
Assessing the Effectiveness of al-Qarḍ al-Ḥasan Financing  (A Case Study of Baitul Misykat Microfinance Institution in Aceh) Hasnita, Nevi; Ayumiati, Ayumiati; Isnaliana, Isnaliana; Aini, Intan Qurratul; Amanatillah, Dara
AHKAM : Jurnal Ilmu Syariah Vol. 25 No. 1 (2025)
Publisher : Universitas Islam Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ajis.v25i1.45586

Abstract

Al-qarḍ al-ḥasan, a non-profit Islamic financing model, holds great potential in empowering marginalized communities. However, its practical implementation and long-term sustainability within Islamic microfinance institutions (IMFIs) remain limited in research, particularly in terms of integrating non-economic elements, such as spirituality. This study analyzes the effectiveness of al-qarḍ al-ḥasan financing implemented by Baitul Misykat in Aceh, with a focus on spiritual development as a key strategy for economic empowerment. Using a qualitative phenomenological case study approach, data were collected through in-depth interviews, field observations, and document analysis. Findings show that al-qarḍ al-ḥasan's financing significantly contributes to the economic empowerment of small traders. Effectiveness is influenced by four interrelated factors: strict beneficiary selection, continuous business monitoring, innovative non-monetary repayment incentives, and integration of spiritual development programs. These elements foster borrower discipline, ethical conduct, and business sustainability. The involvement of government officials, religious leaders, and economists enhances institutional capacity and community confidence. This study introduces a novel perspective by demonstrating how spiritual mechanisms can be synergized with Islamic finance to shape ethical entrepreneurial behavior. It offers a scalable and replicable model for IMFIs, suggesting that integrating ethical-spiritual education into financial systems may support poverty alleviation and inclusive development strategies in Muslim-majority societies.   Abstrak Al-qarḍ al-ḥasan, sebagai model pembiayaan sosial, memiliki potensi besar dalam memberdayakan komunitas marjinal. Namun, implementasi praktis dan keberlanjutannya pada lembaga keuangan mikro syariah (LKMS) masih minim kajian, terutama terkait integrasi aspek non-ekonomi seperti spiritualitas. Studi ini menganalisis efektivitas pembiayaan al-qarḍ al-ḥasan yang diterapkan oleh Baitul Misykat di Aceh, dengan fokus pada pengembangan spiritual sebagai strategi utama dalam pemberdayaan ekonomi. Menggunakan pendekatan studi kasus fenomenologis kualitatif, data dikumpulkan melalui wawancara mendalam, observasi lapangan, dan analisis dokumen. Hasil penelitian menunjukkan bahwa pembiayaan al-qarḍ al-ḥasan secara signifikan berkontribusi terhadap pemberdayaan ekonomi pedagang kecil. Efektivitasnya dipengaruhi oleh empat faktor yang saling berkaitan: seleksi penerima manfaat yang ketat, pengawasan usaha yang berkelanjutan, insentif pelunasan non-moneter yang inovatif, dan integrasi dengan program pengembangan spiritual. Unsur-unsur ini mendorong kedisiplinan, perilaku etis, dan keberlanjutan usaha. Keterlibatan pemerintah, tokoh agama, dan ekonom turut memperkuat kapasitas lembaga dan kepercayaan masyarakat. Studi ini menghadirkan pendekatan baru dengan menunjukkan bagaimana pembinaan spiritual dapat disinergikan dengan pembiayaan syariah untuk membentuk perilaku kewirausahaan yang etis. Temuan ini menawarkan model kebijakan yang dapat dikembangkan dan direplikasi oleh LKMS, serta menunjukkan bahwa integrasi pembinaan etika-spiritual dalam sistem keuangan dapat mendukung strategi pengentasan kemiskinan dan pembangunan inklusif di masyarakat  Muslim.
PENGARUH PEMBIAYAAN MURABAHAH TERHADAP RETURN ON ASSET (ROA) PADA PT. BANK ACEH SYARIAH Fariza, Cut; Ayumiati, Ayumiati; Muksal, Muksal
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 5 No. 1 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i1.17257

Abstract

This study aims to determine the Effect of Murabahah Financing on the Profitability of PT. Bank Aceh Syariah (2019-2021 Period) and this research is secondary data based on the results of the monthly financial reports of PT. Bank Aceh Syariah for the 2019-2021 period. This type of research is quantitative research with a simple linear regression analysis method. The results of the t test show that tcount > ttable (2.909> 1.68) and a significance of 0.014 is less than 0.05, meaning that murabaha income has a positive and significant effect on profitability (ROA).
The Implementation Of Policy In The Restructuring Of Financing In Islamic Banks In The Province Of Aceh, Indonesia Muksal, Muksal; Ayumiati, Ayumiati; Humaira, Annisa
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25567

Abstract

The objective of this study is to investigate the internal policies pertaining to the reconstruction funding of Bank Syariah Indonesia (BSI) in Aceh Province. An examination of qualitative research methodologies through the medium of an interview. The research findings indicate that the bank BSI has effectively executed its policies, which have been deemed favorable. This initiative has significantly alleviated the challenges faced by consumers, particularly Micro, Small, and Medium Enterprises (MSMEs) impacted by the Covid-19 pandemic. It has provided necessary financial support to enable their survival and sustainability beyond the crisis. There are no significant hurdles encountered subsequent to the reconstruction undertaken by the party bank, owing to the implementation of its policies. The implementation of Sharia law has significantly contributed to the improvement of customer financing in the province of Aceh.
Factors That Influence The Performance Of Islamic Bank Employees Muksal, Muksal; Ayumiati, Ayumiati; Maisyura, Annisva
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28243

Abstract

Employee performance is an employee's success in carrying out tasks related to organizational goals both in quantity and quality. This study aims to determine the effect of workload, work environment and work stress on the performance of BSI Banda Aceh employees, either partially or simultaneously. This research method uses a quantitative approach that is correlational. The population is 38 people or all employees of BSI Banda Aceh, while the sample is also 38 employees who are taken by total sampling technique. Data collection techniques using a questionnaire. Based on the results of the study, it is known that the workload and work environment variables have a partial effect on employee performance. While the work stress variable has no partial effect on employee performance.AbstrakKinerja karyawan merupakan keberhasilan karyawan dalam pelaksanaan tugas-tugas yang berhubungan dengan tujuan organisasi baik secara kuantitas maupun kualitas. Penelitian ini bertujuan untuk mengetahui pengaruh beban kerja, lingkungan kerja dan stress kerja terhadap kinerja karyawan PT. Bank Syariah Indonesia Banda Aceh, baik secara parsial maupun simultan. Metode penelitian ini menggunakan pendekatan kuantitatif yang bersifat korelasi. Populasi sebanyak 38 orang atau seluruh karyawan PT. Bank Syariah Indonesia Banda Aceh, sedangkan sampel juga 38 orang karyawan yang diambil dengan teknik total sampling. Teknik pengumpulan data menggunakan kuesioner. Analisa data terdiri dari uji regresi berganda, uji t, uji F dan uji determinasi menggunakan SPSS Versi 26. Berdasarkan hasil penelitian diketahui bahwa variabelbeban kerja dan lingkungan kerja berpengaruh secara parsial terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh. Sedangkan variabel stress kerja tidak berpengaruh secara parsial terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh. Namun secara simultan, variabel beban kerja, lingkungan kerja dan stress kerja berpengaruh terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh.
Alokasi Dana Corporate Social Responsibility (CSR) pada Bank Aceh Syariah Cabang Kota Lhokseumawe mursalmina, mursalmina; Ayumiati, Ayumiati; Al Hajj, Muhammad Baihaqi
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28658

Abstract

Corporate Social Responsibility (CSR) is a form of contribution aimed at addressing environmental concerns and enhancing community welfare. This study aims to analyze the allocation of CSR funds implemented by PT. Bank Aceh Syariah, Lhokseumawe Branch, in the education sector, economic and entrepreneurial sector, as well as the environmental sector. This research adopts a descriptive qualitative approach, employing data collection techniques such as interviews, observations, and documentation. The findings indicate that PT. Bank Aceh Syariah, Lhokseumawe Branch, has allocated its CSR funds to the education sector, including the development of Dayah infrastructure; the economic and entrepreneurial sector, such as the organization of seminars and Sunday Festivals; and the environmental sector, such as freshwater fish farming.AbstrakCorporate Social Responsibility (CSR) merupakan bentuk dari kontribusi yang mempunyai tujuan untuk memperhatikan lingkungan dan juga kesejahteraan masyarakat. Penelitian ini bertujuan untuk menganalisa pengalokasian dana CSR yang sudah dilaksanakan oleh PT. Bank Aceh Syariah Cabang Kota Lhokseumawe dalam sektor pendidikan, sektor ekonomi dan kewirausahaan, serta sektor lingkungan. Penelitian ini merupakan penelitian kualitatif deskriptif, menggunakan teknik pengumpulan data dengan cara wawancara, observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa PT. Bank Aceh Syariah Cabang Kota Lhokseumawe sudah mengalokasikan dana CSR mereka terhadap Sektor pendidikan seperti pembangunan Infrastruktur Dayah, sektor ekonomi dan kewirausahaan seperti pelaksanaan kegiatan sarasehan dan Ahad Festival,  serta sektor lingkungan seperti budidaya ikan air tawar.
Co-Authors Aini, Intan Qurratul Akmal Riza Al Hajj, Muhammad Baihaqi Amanatillah, Dara Aprilla Cahyani Astuti, Intan Novia Azharsyah Ibrahim Eliana Eliana Eliana Eliana Eliana Eliana Eliana Kedua Evy Iskandar faris aulia Fariza, Cut Hasnita, Nevi Heru Fahlevi, Heru Humaira, Annisa Ismail Rasyid Ridla Tarigan Ismuadi Ismuadi Isnaliana Isnaliana Jalilah , Jalilah Jalilah Jalilah Katrin, Novita Maisyura, Annisva Mauriska Amalia Muhammad Arifin Muhammad Yasir Yusuf Muksal Muksal Mursalmina Mursalmina Nanda, Teuku Syifa Fadrizha Nurhayati Nurhayati Nurhayati Nurhayati Rahmatika, Ulia Rahmatillah, Siti Kartika Rahmaton Wahyu Suryanti Suryanti Syarifah Raudhah Syukriy Abdullah Teuku Syifa Fadrizha Nanda Yuliadra, Teuku Fariz Yunda Zakia Zaida Rizqi Zainul, Zaida Rizqi Zainuddin . Zakia, Yunda Zarman, Nasri Zarman, Nazri