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Analysis Of The Islamic Bank Cash Withdrawal Service System For Foreign Tourists (A Case In Aceh Tengah Indonesia) Tiaranita, Dinda; Djakfar, Inayatillah; Mulia, Rika
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol. 5 No. 1 (2024)
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.v5i1.572

Aceh Tengah is highland that attracts many tourists from domestic or foreign countries in Aceh. Bank Syariah Indonesia (BSI) of the Islamic banks that plays an important role regarding the cash withdrawal process by foreign tourists in Aceh Tengah District, Aceh Province, Indonesia. The study aims to determine how BSI facilitates cash withdrawal services in Aceh Tengah. This study used a qualitative method with a descriptive field approach from foreign tourists that visiting Aceh Tengah. The results of this study indicate that there are several obstacles experienced by tourists in the cash withdrawal process, such as some of their bank cards are not supported by the available ATM (Automated Teller Machine) even through the Teller counters would have been not accessible for them. It is expected that this study will highlights the needs of upgrading system for Islamic banks that operating in Aceh Tengah for foreign tourists in using cash withdrawal services.

Implementasi Pelayanan Customer Service Pada Produk Tabungan Di Bank Syariah Safitri, Nova; Yulindawati, Yulindawati; Mulia, Rika
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.v6i1.25547

Customer Service Bank Syariah Indonesia KCP Takengon Sengeda 1 Aceh Tengah selalu berusaha menjalankan perannya dalam membantu nasabah memilih produk tabungan serta memberikan informasi tentang produk-produk tabungan yang ada pada bank. Dan dalam mengatasi komplain nasabah Customer Service menjalankan dengan standar pelayanan yang sudah diterapkan. Tujuan penelitian ini untuk mengetahui peran Customer Service dalam melayani nasabah yang akan menggunakan produk tabungan dan strategi Customer Service mengatasi komplain nasabah. Penelitian ini merupakan pendekatan deskriptif kualitatif, melalui observasi, dokumentasi, dan wawancara dengan Supervisor Customer Service dan Customer Service. Hasil penelitian ini menunjukkan bahwa Bank Syariah Indonesia KCP Takengon Sengeda 1 Aceh Tengah telah mampu memberikan perannya sebagai Customer Service yang baik Customer Service juga membantu nasabah dalam memilih produk tabungan yang akan digunakan dan mengatasi komplain nasabah sesuai dengan standar pelayanan.

ANALISIS PEMANFAATAN PRODUK PEMBIAYAAN PENSIUN PADA BANK SYARIAH DI INDONESIA Artanoga, Fawwaz; Inayatillah, Inayatillah; Mulia, Rika
Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25550

This research aims to determine the utilization of pension financing at Bank Syariah Indonesia (BSI) in Aceh Tengah, Aceh Province. This research uses descriptive qualitative research methods. Interviews was conducted to collect facts, data or material objects which are not in the form of a series of numbers, but rather expressions in the form of language or discourse (whatever the form) through appropriate and systematic interpretation. it can be concluded that the BSI financing mechanism for pensions at one of their branch in Aceh Tengah has demonstrated that activities are carried out in accordance with the established mechanism. There are customers who use pension financing for both productive and consumptive purposes.

APAKAH MENGGUNAKAN PRODUK YANG TIDAK “CRUELTY-FREE” DIANGGAP “CRUEL”? MULIA, RIKA; SAFITRI, WINNY DIAN; INDRIANA, FRICIA; HARMANI, HARMANI
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 9, No 2 (2024): Juli - Desember 2024
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v9i2.1491

Application of Path Analysis in Aceh Poverty Modeling Mulia, Rika; Dian Safitri, Winny
Transcendent Journal of Mathematics and Applications Vol 1, No 1 (2022)
Publisher : Syiah Kuala University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/tjoma.v1i1.28828

The Human Development Index (HDI) is an important indicator of the success of efforts to improve the quality of human life. As a measure of quality of life, HDI is based on three basic aspects including aspects of health, education and a decent standard of living. There are several factors that can affect poverty, such as Zakat, Infaq and Sadaqah (ZIS), and the Family Hope Program (PKH). This study aims to determine the effect of the amount of ZIS funds and the number of recipients of PKH on poverty and HDI in Aceh in 2015-2020. This study uses a quantitative approach. The data analysis method in this study uses path analysis and Sobel test. The results showed that the amount of ZIS funds had a negative and insignificant effect on poverty in Aceh. The number of PKH recipients has a positive and insignificant effect on poverty in Aceh. The amount of ZIS funds has a positive and significant effect on HDI. The number of PKH recipients has a negative and insignificant effect on HDI in Aceh. Poverty has a negative and significant effect on HDI in Aceh. Poverty is able to mediate the effect of the amount of ZIS funds on HDI in Aceh. Poverty is unable to mediate the effect of the number of PKH recipients on the HDI in Aceh.

EVALUATING NPF OF MURABAHA SETTLEMENT STRATEGY: PERSPECTIVE OF RISK MANAGEMENT AND DSN MUI'S FATWA Mulia, Rika; Said Rafli Ridha; Fithriady
Journal of Sharia Economics Vol. 4 No. 2 (2023): 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.v4i2.3311

Non-Performing Financing (NPF) is one of the indicators in evaluating bank performance. Financing products with murabaha contracts are one of the products that dominate the Islamic banking industry where the percentage of its NPF will also affect profits. This study examines the strategy implemented by one of the Bank Syariah Indonesia (BSI) Area Office in Aceh Province towards Murabaha NPF from two perspectives, risk management and Fatwa DSN-MUI using a descriptive approach. The results conclude that in handling NPF, banks begin with negotiation/mediation approach, then gradually rescheduling, restructuring, reconditioning, execution of collateral/auctions and litigation. Those steps are in accordance with risk management concept in terms of preventing NPF and consistent with Fatwa DSN-MUI in terms of NPF settlement. However, among the obstacles are bad character debtors so that the settlement process will take a long period of time and keep being suspended. This is certainly a significant viewpoint for banks that educating and socializing the management of financing must be explained from the beginning and ensure that debtors understand all related applicable bank regulations. Keywords: Murabaha Financing, Non-Performing Financing, Risk Management, Fatwa DSN-MUI, Islamic Banks

THE INFLUENCE OF KNOWLEDGE, BENEFITS AND CONVENIENCE ON USERS OF QUICK RESPONSE CODE INDONESIA STANDARD (QRIS) AT BANK SYARIAH INDONESIA (BSI) MOBILE Meliza, Meliza; Ismuadi, Ismuadi; Mulia, Rika
International Journal of Kita Kreatif Vol 1, No 3 (2024): International Journals Kita Kreatif Vol.1 No. 3 Agustus 2024
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v1i3.40523

The use of physical money is currently being replaced by electronic money. Indonesia is one of the countries that has started using electronic money for transactions. One of the electronic payment methods used by the Indonesian public is QRIS BSI mobile. QRIS is a facility that allows cashless transactions. This quantitative research aims to determine the influence of Knowledge, Benefits, and Ease of Use on the Decision to Use QRIS on BSI mobile among students. This study uses primary data obtained through the distribution of questionnaires via Google Forms. The population of this research consists of students from the 2023 cohort at UIN Ar-Raniry Banda Aceh. The sampling technique used is Purposive Sampling and Proportionate Stratified Random Sampling. The analysis tool used is SPSS Version 26. The results of this study indicate that Knowledge, Benefits, and Ease of Use have a positive and significant effect on the Decision to Use QRIS on BSI mobile among students. The Ease of Use variable has the most dominant influence on the Decision to Use.

Implementasi Pelayanan Customer Service Pada Produk Tabungan Di Bank Syariah Safitri, Nova; Yulindawati, Yulindawati; Mulia, Rika
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.v6i1.25547

Customer Service Bank Syariah Indonesia KCP Takengon Sengeda 1 Aceh Tengah selalu berusaha menjalankan perannya dalam membantu nasabah memilih produk tabungan serta memberikan informasi tentang produk-produk tabungan yang ada pada bank. Dan dalam mengatasi komplain nasabah Customer Service menjalankan dengan standar pelayanan yang sudah diterapkan. Tujuan penelitian ini untuk mengetahui peran Customer Service dalam melayani nasabah yang akan menggunakan produk tabungan dan strategi Customer Service mengatasi komplain nasabah. Penelitian ini merupakan pendekatan deskriptif kualitatif, melalui observasi, dokumentasi, dan wawancara dengan Supervisor Customer Service dan Customer Service. Hasil penelitian ini menunjukkan bahwa Bank Syariah Indonesia KCP Takengon Sengeda 1 Aceh Tengah telah mampu memberikan perannya sebagai Customer Service yang baik Customer Service juga membantu nasabah dalam memilih produk tabungan yang akan digunakan dan mengatasi komplain nasabah sesuai dengan standar pelayanan.

ANALISIS PEMANFAATAN PRODUK PEMBIAYAAN PENSIUN PADA BANK SYARIAH DI INDONESIA Artanoga, Fawwaz; Inayatillah, Inayatillah; Mulia, Rika
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25550

This research aims to determine the utilization of pension financing at Bank Syariah Indonesia (BSI) in Aceh Tengah, Aceh Province. This research uses descriptive qualitative research methods. Interviews was conducted to collect facts, data or material objects which are not in the form of a series of numbers, but rather expressions in the form of language or discourse (whatever the form) through appropriate and systematic interpretation. it can be concluded that the BSI financing mechanism for pensions at one of their branch in Aceh Tengah has demonstrated that activities are carried out in accordance with the established mechanism. There are customers who use pension financing for both productive and consumptive purposes.

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