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All Journal Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS JEBI (Jurnal Ekonomi dan Bisnis Islam) Transcendent Journal of Mathematics and Applications International Journal of Kita Kreatif
Mulia, Rika
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Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Mathematics Physics Social Sciences

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Journal : JIMEBIS

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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
Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 1 (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/jimebis.v5i1.572

Abstract

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.
Exploring The Impact Of E-Commerce And Digital Skills On The Consumptive Behavior Of Muslim Generation Z In Banda Aceh Nanda, Teuku Syifa Fadrizha; Mulia, Rika; Mutiara, Sulis
Scientific Journal of Students Islamic Economics and Business Vol. 6 No. 1 (2025): 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/q6exrt12

Abstract

The advancement of digital technology has significantly influenced consumer behavior, particularly among Generation Z, who are closely connected with e-commerce and digital tools. This study aims to analyze the influence of e-commerce and digital skill on the consumptive behavior of Muslim Generation Z in Banda Aceh. A quantitative approach was used through a survey of 100 purposively selected respondents. Data were collected via online questionnaires and analyzed using multiple linear regression. The results show that both e-commerce and digital skill have a positive and significant influence on consumptive behavior, both partially and simultaneously. E-commerce measured by cost efficiency, platform reputation, and transaction ease contribute to impulsive buying behavior. Digital skill including the ability to assess digital information, use social media, and engage in online transactions also increases consumption tendencies, particularly in the absence of ethical awareness. The coefficient of determination (R²) value of 0.637 indicates that 63.7% of the variance in consumptive behavior can be explained by the two variables. These findings are crucial in the context of Muslim communities, where excessive consumption contradicts Islamic values such as tabzir (wastefullness) and israf (extravagance). The study suggests promoting Islamic-based digital literacy to balance technological competence and consumption control.
Co-Authors Artanoga, Fawwaz Fithriady HARMANI, HARMANI Inayatillah Djakfar Inayatillah Inayatillah INDRIANA, FRICIA Ismuadi Ismuadi Meliza Meliza Mutiara, Sulis Nanda, Teuku Syifa Fadrizha Safitri, Nova Said Rafli Ridha Tiaranita, Dinda Winny Dian Safitri Yulindawati, Yulindawati