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Analisis Pengaruh Layanan Mobile Banking Terhadap Kepuasan Nasabah PT. Bank Syariah Indonesia KCP Pante Bidari Maulina, Isra; Malahayatie; Miftahul Jannah
Jurnal Investasi Islam Vol 9 No 1 (2024): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v9i1.8524

Abstract

Abstract This research aims to find out how mobile banking services, namely security, reliability and access capability, influence PT customer satisfaction. Bank Syariah Indonesia KCP Pante Bidari both partially and simultaneously. The type of research used is quantitative research with a descriptive approach. The sample used in this research was customers of PT. Bank Syariah Indonesia KCP Pante Bidari with 88 customers. Technique for distributing questions through questionnaires. The data analysis techniques used in this research are data quality tests, namely validity and reliability tests, classical assumption tests, namely normality tests, multicollinearity tests and heteroscedasticity tests, multiple linear regression tests and hypothesis tests, namely f tests, t tests and coefficient tests. determinant (R2). The data was processed using SPSS version 25. This research obtained the results that variable 1) Security had a significant negative effect on customer satisfaction at PT. Bank Syariah Indonesia KCP Pante Bidari. 2) Reliability has a significant positive effect on PT customer satisfaction. Indonesian Sharia Bank KCP Pante Bidari. 3) Access capability has a significant positive effect on PT customer satisfaction. Indonesian Sharia Bank KCP Pante Bidari. 4) Simultaneously, it is known that mobile banking service variables which include security, reliability and access capability have a significant effect on customer satisfaction at PT. Indonesian Sharia Bank KCP Pante Bidari. Keywords: Mobile Banking Services, Security, Reliability, accessibility, and Customer Satisfaction. Abstrak Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh layanan mobile banking yaitu keamanan, kehandalan dan kemampuan akses terhadap kepuasan nasabah PT. Bank Syariah Indonesia KCP Pante Bidari baik secara parsial dan simultan. Adapun jenis penelitian yang digunakan adalah jenis penelitian kuantitatif dengan pendekatan deskriptif. Sampel yang digunakan dalam penelitian ini adalah nasabah PT. Bank Syariah Indonesia KCP Pante Bidari yang berjumlah 88 Nasabah. Teknik penyebaran pertanyaan melalui kuesioner. Teknik analisis data yang digunakan dalam penelitian ini adalah uji kualitas data yaitu uji validitas dan uji reliabilitas, uji asumsi klasik yaitu uji normalitas, uji multikolinieritas, dan uji heteroskedastisitas, uji regresi linier berganda dan uji hipotesis yaitu uji f, uji t, dan uji koefisien determinan (R2). Data tersebut diolah menggunakan SPSS versi 25. Penelitian ini memperoleh hasil bahwa variabel 1) Keamanan berpengaruh secara negatif signifikan terhadap kepuasan Nasabah PT. Bank Syariah Indonesia KCP Pante Bidari. 2) Kehandalan berpengaruh secara positif signifikan terhadap kepuasan Nasabah PT. Bank Syariah Indonesia KCP Pante Bidari. 3) Kemampuan akses berpengaruh secara positif signifikan terhadap kepuasan Nasabah PT. Bank Syariah Indonesia KCP Pante Bidari. 4) Secara simultan diketahui bahwa variabel layanan mobile banking yang meliputi keamanan, kehandalan dan kemampuan akses berpengaruh secara signifikan terhadap kepuasan Nasabah PT. Bank Syariah Indonesia KCP Pante Bidari. Kata kunci: Layanan Mobile Banking, Keamanan, Kehandalan, Kemampuan Akses dan Kepuasan Nasabah
THE ROLE OF THE PASAI SAMUDRA KINGDOM COMPLEX TOURISM OBJECT TOWARDS INCREASING TRADERS' INCOME Syaputri, Rahmi; Safrina, Lia; Malahayatie
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 5 No. 2 (2023): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v5i2.2073

Abstract

The tourism sector is currently one of the sectors that has great potential to increase regional income in Indonesia. However, there are still many areas with tourism potential that are not developed and even tend to be neglected. This is certainly not in accordance with one of the regional government's plans for developing tourist villages. and also the Cultural and Tourism Development Policy instructed by the President Number 16 of 2005. The Samudra Pasai royal complex tourist attraction is located in two locations, namely in Gampong Beuringen and in Gampong Kuta Kareng which is one of the mainstay religious tourist attractions in North Aceh district. This research is qualitative research using descriptive analysis to explain the role of tourist attractions in increasing the income of traders in the surrounding area. Data collection was carried out by interviewing informants from the North Aceh Culture Service, the Samudra Pasai Kingdom Tourism Object Manager, Village Heads and traders. This research provides results that the Samudra Pasai Royal Complex tourist attraction has not provided a maximum role in increasing traders' income.
Implementasi Korporasi, Kapasitas Dan Pembiayaan Umkm Berbasis Ekonomi Kreatif Sebagai Penggerak Perekonomian di Aceh Maulana, Nora; Yulyani Fitri; Malahayatie; Zulfahmi
Cendekia Niaga Vol 7 No 2 (2023): Cendekia Niaga Volume 7 Nomor 2 Tahun 2023
Publisher : Pusat Pendidikan dan Pelatihan Aparatur Perdagangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52391/jcn.v7i2.810

Abstract

Aceh memiliki potensi UMKM cukup besar, namun permasalahan yang dihadapi juga tidaklah sedikit hingga sering kali UMKM di Aceh tidak memiliki nilai daya saing nasional maupun internasional. Penelitian ini bertujuan mengkaji secara kompleks problematika yang dihadapi pelaku UMKM di Aceh guna menemukan solusi arternatif yang dapat diimplementasikan dalam memaksimalisasi posisi UMKM di Aceh secara optimal. Penelitian ini tergolong penelitian lapangan dengan metode kualitatif deskriptif. Data penelitian berasal dari data primer dan sekunder, di mana data primer diperoleh melalui observasi, wawancara dengan key informance sebanyak 25 orang dan FGD dilakukan dengan pelaku UMKM sebanyak 20 orang. Adapun data sekunder diperoleh melalui berbagai sumber seperti buku, jurnal, berita online, dan dokumentasi terkait topik bahasan. Temuan penelitian diketahui Aceh memiliki potensi UMKM cukup besar dalam menggerakkan perekonomiannya, namun perlu adanya langkah strategis dengan implementasi konsep K2P yang meliputi korporatisasi antara unit-unit UMKM, kapasitas produk UMKM yang berkualitas sehingga mampu bersaing di pasar regional maupun internasional, dan pembiayaan digital untuk kemudahan akses modal bagi pelaku UMKM. Adapun terobosan penting sebagai penunjang keberhasilan pengaturan konsep K2P berbasis ekonomi kreatif meliputi; membuat roadmap UMKM berbasis ekonomi kreatif 2032, menghubungkan para pemberi modal dengan pelaku UMKM, sertifikasi produk UMKM, integrasi stakeholders, budaya konsumsi produk lokal, aspirasi kaum muda, jaminan keaslian dan promosi produk, membentuk manajemen berbasis ekonomi kreatif, dan terakhir mengadakan pelatihan pengembangan SDM. Temuan penelitian ini bisa menjadi inovasi baru dan kajian evaluasi terhadap kesiapan pelaku UMKM dan kebijakan pemerintah dalam mengembangkan kiprah UMKM di Aceh khususnya dan Indonesia umumnya.
THE INFLUENCE OF FOREIGN DEBT AND FOREIGN INVESTMENT ON INDONESIA’S ECONOMIC GROWTH IN 2011- 2015 Putri, Delima Oktaviani; Razali, Ramadhan; Malahayatie
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 7 No. 2 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i2.1758

Abstract

This article discusses the impact of foreign debt and foreign direct investment (FDI) on Indonesia's economic growth between 2011 and 2015. The paper poses three main questions: (a) what is the impact of foreign debt on Indonesia's economic growth during this period, (b) what is the impact of FDI on the country's economic growth, and (c) what is the impact of both foreign debt and FDI on Indonesia's economic growth simultaneously? The study adopts a quantitative approach and relies on secondary data, specifically time series data obtained from the Indonesian Bureau of Statistics (BPS) and the Ministry of Finance for the period of 2011-2015. The analysis tool used in this research is the Eviews 10 program. The findings of the research indicate that foreign debt (X1) and PMA (X2) did not have a positive and significant impact on Indonesia's economic growth during the period under study. Moreover, the simultaneous impact of foreign debt and PMA on the country's economic growth was also not positive and significant.
Pasar Halal Indonesia dan Global Ramadani, Sari; Malahayatie
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22818

Abstract

Kemajuan industri halal di Indonesia sangat ekspansif, tidak hanya dalam segmen makanan dan minuman, tetapi industri halal telah meluas hingga mencakup divisi moneter syariah, cetakan Muslim, produk perawatan kecantikan, farmasi, perjalanan, penginapan, pariwisata, media, dan pengalihan film. Indonesia memiliki potensi yang luar biasa untuk menciptakan industri halal. Terpisah dari Indonesia sebagai negara dengan populasi Muslim terbesar di dunia, Indonesia juga memiliki nilai pemanfaatan yang sangat besar di divisi halal, adanya arahan yang sah, pengaturan KNEKS, energi koperasi mitra, kehadiran BPJPH dan berbagai kemungkinan lain yang mendukung peningkatan industri halal di Indonesia yang berdaya saing universal. Kemajuan industri halal saat ini menjadi kebutuhan utama di setiap negara berkembang perekonomian dunia, tidak hanya negara-negara muslim bahkan negara-negara non-muslim pun memiliki tingkat kesadaran dan kepedulian yang tinggi untuk menciptakan industri halal di setiap sektor. rantai halal. Kekuatan ini dapat dimanfaatkan oleh negara-negara berkembang non-Muslim seperti Brazil, Argentina, Australia, Selandia Baru, dan Singapura sebagai negara dengan skor Global Islamic Economic Marker (GIEI) tertinggi pada tahun 2017-2018 di sektor makanan halal. Jadi Indonesia sebagai negara dengan penduduk muslim terbesar di dunia berjumlah 237,53 juta jiwa atau 86,9% dari total jumlah 273,32 juta jiwa
Halal Education and Promotion Maliya, Laina; Malahayatie; Muslina
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2024): Dalwa Islamic Economic Studies
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v3i2.1587

Abstract

The purpose of this article is to explain the role of education and promotion of halal business in Indonesia. This research uses qualitative research methods with a literature study approach based on several related articles and other scientific journals. The results of the discussion show that the role of education involving the community and awareness of sustainable behavior increases rapidly when offline and online initiatives are combined. Other education is a systematic process that aims to provide their full potential in intellectual and emotional aspects in improving about halal products, especially in countries with a majority Muslim population. with halal business education, society must integrate knowledge about halal products into the formal education curriculum by providing special training for professionals in the food, cosmetics, pharmaceutical and other services industries related to halal products. Meanwhile, halal business promotion includes various initiative programs aimed at increasing awareness, understanding and use of halal products and services. Namely, it is implemented by the government, non-government organizations and private companies to encourage consumption of halal products and support the halal industry.
PENDAMPINGAN PEMERINTAH GAMPONG DALAM PENGELOLAAN ALOKASI DANA GAMPONG (ADG) DI GAMPONG ASAN KECAMATAN LHOKSUKON KABUPATEN ACEH UTARA Armanda, Dicky; Iskandar; Malahayatie; Jailani, Munawar; Taufiq
Malik Al-Shalih : Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2022): Malik Al-Shalih: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/malikalshalih.v1i1.660

Abstract

This community service aims to determine the ability of the Gampong government in Gampong Asan in managing the Village Fund Allocation (ADG). To see the ability of the Gampong government in the management of ADG, the authors refer to management starting from the planning, implementation, reporting and accountability stages. The method used to realize this community service program is material presentation, mentoring, evaluation. The results of community service show that the actual ability of the Gampong Asan government in terms of administrative capabilities has not improved from year to year, but in terms of determining the work program in the use of ADG it is also still minimal. This problem is influenced by several factors, namely; (1) The people of Gampong Asan do not actively participate in all Gampong government affairs, and (2) Supervision by the supervisory team has not been maximized.
PEMBIAYAAN INDUSTRI HALAL OLEH LEMBAGA KEUANGAN SYARIAH Adzkia, Salsabila; Malahayatie
EKSYA : Jurnal Ekonomi Syariah Vol 5 No 1 (2024): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v5i1.1799

Abstract

Indonesia has the largest Muslim population in the world. This encourages Indonesian people to choose to live in sharia. Sharia is very closely related to the halal industry. Islamic banking can encourage halal industries in Indonesia. The enthusiasm of the community to run a sharia system, it encourages banks to disburse financing to develop a halal industry. Global economic conditions have indicated and caught a signal that the Islamic the economy began to develop. Halal industries should be developed in all sectors, but this Sharia market share is not yet wide. The halal industry should be able to encourage the share of the Islamic banking market to develop broader Sharia-compliant goods and services. The research method used is a descriptive quantitative method and literature review. From the results of the analysis of the role of banks, it is not limited to financing without training, guidance and usury, but also includes halal regulations, halal consumption of products, halal industry intelligence and lawful governance. The government has a role as a regulator between Islamic banking, business actors and MUI so that the economic potential and halal industries according to Sharia can be realized.
KONSEP KELANGKAAN DALAM EKONOMI ISLAM MENURUT PEMIKIRAN MUHAMMAD BAQIR ASH-SHADR Balqis, Yasmina; Malahayatie; Zulfikar; Rahmi, Mutia
Business, Economics dan Entrepreneurship Vol 6 No 2 (2024): Business, Economics and Entrepreneurship
Publisher : Institut Shanti Bhuana, Program Studi Kewirausahaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/bee.v6i2.957

Abstract

Kelangkaan merupakan permasalahan ekonomi, namun menurut Baqir ash shadr  (Islam), permasalahan ekonomi bukan disebabkan oleh kelangkaan sumber daya material atau terbatasnya kekayaan alam, namun memang benar sumber produksi menjadi terbatas ketika kebutuhan masyarakat banyak dan  tidak terbatas. sumber daya bebas dari kesulitan keuangan, tidak ada yang miskin, semua orang dapat memenuhi semua kebutuhannya. Adapun yang menjadi rumusan masalah dalam penelitian ini yaitu: 1) Bagaimanakah konsep kelangkaan menurut Muhammad Baqir ash shadr 2) Bagaimana relevansi pemikiran Muhammad Baqir Ash shadr terhadap era modern ? Adapun jenis penelitian yang penulis gunakan di sini adalah jenis penelitian kualitatif dengan pendekatan studi tokoh, serta teknik pengumpulan data menggunakan metode dokumentasi Dokumentasi dalam penelitian ini yaitu bahan-bahan tertulis yang berkenaan dengan keadaan dan keterangan yang berkaitan dengan Konsep Kelangkaan Dalam Ekonomi Islam Menurut Pemikiran Muhammad Baqir Ash shadr Berdasarkan hasil penelitian, 1. Ada 3 faktor yang menyebabkan masalah ekonomi/kelangkaan itu ada yaitu: Kekejaman manusia dalam membagi harta, ketidaktaatan pada nikmat Allah Distribusi yang tidak merata dan adil. 2. Relevansi pemikiran muhammad Baqir Ash shadr  pada era modern Pada era modern penyebab dari masalah ekonomi ialah kurang nya sumber daya alam atau terbatasnya kekayaan, dan untuk memenuhi kebutuhan masyarakat agar terjauh dari kata Permasalahan umum selama ini adalah ketika menilai produksi yang tidak flexing dan berkeadilan, kelangkaan sumber daya alam bukanlah penyebab permasalahan ekonomi,bukan hanya itu kelangkaan dapar terjadi faktor alam
Distribusi Kekayaan Dalam Pemikiran Muhammad Baqir Al-Sadr: Solusi Untuk Keadilan Sosial di Era Kontemporer Luthfy Arwiya; Malahayatie
Journal Of Islamic Economics And Finance Vol 5 No 1 (2025): Vol. 5 No. 1 (2025)
Publisher : UIN K.H. ABDURRAHMAN WAHID PEKALONGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i1.9879

Abstract

One of the main problems facing many countries, including Indonesia, is the growing income gap. To address this imbalance, Muhammad Baqir al-Sadr's economic thought provides a relevant paradigm of wealth distribution. Al-Sadr, who based his arguments on Islamic principles, highlighted the role of zakat, waqf, and the prohibition of usury in establishing social justice. Examining al-Sadr's thoughts on wealth distribution and its application to the Indonesian economy in the contemporary era is the purpose of this article. Using the literature study research method, According to this study, Islamic economic thought developed by Muhammad Baqir al-Sadr provides an alternative to the traditional economic system, particularly through the idea of Iqtiṣādunā. This idea highlights the principle of balanced ownership between individuals and society, the role of the state in the economy, and the equitable distribution of wealth. Within an economic framework based on social justice and inclusive ownership, this concept can improve social welfare and reduce economic inequality in Indonesia if implemented properly.