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All Journal Economica: Jurnal Ekonomi Islam J-EBIS (Jurnal Ekonomi dan Bisnis Islam) ABDIMASY: Jurnal Pengabdian dan Pemberdayaan Masyarakat JIHBIZ :Global Journal of Islamic Banking and Finance. el-Amwal Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Iltizam : Jurnal Ekonomi dan Keuangan Islam ASNAF Seuraya Jurnal Pengabdian Kepada Masyarakat
Munadiati, Munadiati
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Religion Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Analisis Perilaku Investor Muslim Millennial Di Kota Langsa Terhadap Keputusan Investasi Cryptocurrency Darmawan, M Ari; Munadiati, Munadiati; Chalil, Rifyal Dahlawy
el-Amwal Vol. 7 No. 1 (2024): Maret
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v7i1.15892

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana perilaku investor muslim Millennial dalam mengambil keputusan untuk melakukan investasi pada Cryptocurency yang menggunakan sistem blockchain dan tergolong teknologi baru. Penelitian ini menggunakan metode kualitatif dengan pendekatan fenomenologi. Sumber data diperoleh dari wawancara, observasi dan dokumentasi. Subjek penelitian terdiri dari 10 informan Investor cryptocurrency muslim millennial yang ada di Kota Langsa. Metode pengambilan sampel menggunakan teknik Snowball Sampling. Sumber data penelitian terdiri dari data primer dan sekunder. Data primer diperoleh melalui wawancara langsung dengan Investor cryptocurrency muslim millennial yang ada di Kota Langsa. Data sekunder berasal dari studi pustaka yang mendukung penelitian. Hasil penelitian menunjukan bahwa mekanisme investasi cryptocurrency dilakukan melalui platform perdagangan crypto yang memungkinkan investor untuk membeli dan menjual aset crypto mereka. Pemahaman investor Muslim millennial di Kota Langsa terhadap keharaman investasi cryptocurrency bervariasi, mereka menghormati Fatwa MUI yang melarang penggunaannya tetapi mereka tetap berinvestasi karena melihat potensi keuntungan yang besar dan memiliki pendapat nya sendiri untuk tetap berinvestasi cryptocurrency. Perilaku investor cryptocurrency muslim millennial yang ada di Kota Langsa dalam pengambilan keputusan investasi yang mereka lakukan selalu dilandasi alasan yang jelas, baik karena alasan masa depan, keuntungan yang cepat, pengalaman, maupun lindung nilai meskipun hal ini tidak selalu sejalan dengan hukum investasi cryptocurrency dalam Islam.
PENGARUH PROMOSI, KUALITAS PRODUK DAN PELAYANAN TERHADAP KEPUASAN NASABAH EASY WADHI’AH PADA BANK SYARIAH INDONESIA DI KCP KUTACANE Bangko, Ulan Sundari; Munadiati, Munadiati; Riza, Muhammad; Fahriansah, Fahriansah
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 2 No. 1 (2024): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v2i1.4862

Abstract

Persaingan produk atau jasa dalam satu pasar semakin banyak dan beragam akibat keterbukaan pasar, sehingga perusahaan dituntut bersaing secara kompetitif dalam hal strategi bisnis untuk mencapai tujuan perusahaan serta memahami apa yang terjadi dipasar dan apa yang menjadi keinginan konsumennya. Hasil penelitian menunjukkan bahwa variabel promosi memiliki pengaruh yang positif signifikan terhadap kepuasan nasabah di BSI KCP Kutacane dalam memilih menabung Easy Wadhi’ah. Dimana perhitungan uji secara parsial diperoleh t hitung sebesar 11,489 dengan nilai signifikan 0,000 < 0,005. Berdasarkan hasil perhitungan 77,4% kepuasan nasabah dipengaruhi oleh promosi, kualitas produk dan pelayanan, berarti 22,6% kupuasan nasabah dalam memilih menabung di BSI KCP Kutacane dipengaruhi oleh variabel-variabel lain yang tidak diteliti dalam penelitian ini.
Analisis Faktor Emosional dan Rasional Terhadap Keputusan Nasabah Dalam Memilih Menabung di BSI Kantor Cabang Langsa 2 Munadiati, Munadiati; Pidianti, Nana; Fahriansah, Fahriansah; Miswari, Miswari
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 3 No 1 (2024): Vol 3, No 1 (2024)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v3i1.8626

Abstract

Tujuan – Penelitian ini bertujuan untuk mengidentifikasi faktor emosional dan rasional yang mempengaruhi keputusan nasabah dalam memilih PT. Bank Syariah Indonesia (BSI) Kantor Cabang Langsa 2 sebagai tempat menabung. Metode – Metode penelitian yang digunakan adalah penelitian lapangan (field research) dengan pengumpulan data melalui wawancara, observasi, dan dokumentasi. Responden terdiri dari empat nasabah dan satu karyawan BSI. Hasil Penelitian – Hasil penelitian menunjukkan bahwa faktor emosional terhadap keputusan nasabah dalam memilih menabung di BSI KC Langsa 2 yaitu ikut-ikutan keluarga dan alasan religius. Faktor rasional terhadap keputusan nasabah dalam memilih menabung di BSI KC Langsa 2 yaitu karena kualitas pelayanan yang baik, ramah dan fasilitas yang diberikan. Selanjutnya BSI KC Langsa 2 juga menghadapi beberapa kendala dalam mempengaruhi keputusan nasabah, kendala tersebut meliputi masalah dalam bidang pelayanan, seperti panjangnya antrian, serta berbagai masalah yang berkaitan dengan nasabah itu sendiril Keterbatasan – Keterbatasan penelitian ini terletak pada sampel yang terbatas pada satu kantor cabang BSI, sehingga hasilnya mungkin tidak dapat digeneralisasikan ke seluruh BSI di Indonesia. Implikasi Praktis – Penelitian selanjutnya disarankan untuk memperluas sampel dan mengeksplorasi lebih dalam faktor-faktor lain yang mungkin mempengaruhi keputusan nasabah dalam memilih bank syariah
Green Economy Community-Led Transformation: Economic Potential via Palm Frond Waste Artisanship in The Halal-Tourism of Eastern Aceh Ecosystem Kurlillah, Anis; Nurjanah, Nurjanah; Munadiati, Munadiati; Hamid, Abdul; Afna, Mauloeddin
ABDIMASY: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 5 No. 1 (2024): ABDIMASY: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/ams.v5i1.1357

Abstract

Palm oil plantations in Eastern Aceh face a challenge: an excess of underutilized palm frond waste, creating environmental and economic burdens. To address this, a study explored empowering local communities to transform this waste into valuable handicrafts, promoting a green economic model. Despite the economic benefits of the palm oil industry, high unemployment persists, especially among the youth in palm-producing areas, with little awareness of the potential in palm frond waste. An apprenticeship program was implemented, providing hands-on training in crafting products like plates, handbags, and prayer mats. This training likely increased participants' confidence and curiosity. By equipping participants with skills before explaining the program’s aim of waste-to-wealth transformation, a strong foundation was laid. The study highlighted participants' enthusiasm and success in producing handicrafts post-training. This community-led approach, focused initially on skill development, shows potential for green economic transformation in Eastern Aceh, reducing waste and creating new income streams, potentially aligning with the region's Halal-tourism sector.
Financial Inclusion Through E-Wallets: A Besitang Case Study On Promotions, Brand Image And Purchase Behavior Kurlillah, Anis; Munadiati, Munadiati; Safarida, Nanda; Maulana, Zefri; Hafiza, Aulia
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9897

Abstract

This study explores how e-wallets promote financial inclusion in Besitang, a non-metropolitan Indonesian city. We investigate the influence of features, promotions, and brand image on e-wallet purchasing decisions. A quantitative survey targeting 100 smartphone-owning workers and students was conducted. Analysis revealed that all three factors (features, promotions, and brand image) have a significant positive impact on e-wallet usage (p < 0.05). Together, they explain 80.7% of the variation in purchasing decisions, highlighting their crucial role in e-wallet adoption. These findings emphasize the importance of e-wallet providers implementing innovative features, attractive promotions, and a strong brand image to drive financial inclusion in non-metropolitan areas. The study offers valuable insights for e-wallet companies and opens avenues for further research on e-wallet adoption drivers.
MINIMALISM VS. CONSUMERISM: An Islamic Perspective on Indonesian Gen Z Social Media Influence Kurlillah, Anis; Nurfadillah, Nurfadillah; Fazal Ahmed, Osman Abulkalam; AL Bakri, Mirdat; Munadiati, Munadiati
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 1 (2025)
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i1.8699

Abstract

AbstractThis study investigates the potential of minimalist lifestyle trends, emerging as a counter-narrative on these platforms, to influence the consumerist behavior of this demographic from an Islamic economic perspective. Rapid technological advancements have significantly impacted lifestyles, notably fostering consumerism among Indonesian Generation Z, often fueled by social media platforms like TikTok. Employing a qualitative descriptive analytical approach, this research examines the extent to which the application of minimalist principles can impact consumerism among Indonesian Gen Z. The findings indicate that while a minimalist lifestyle holds considerable potential to curb consumerism, its full implementation is hindered by deeply ingrained consumerist habits driven by social media trends. This study concludes that understanding and applying minimalist principles, informed by Islamic economic teachings emphasizing moderation and the avoidance of extravagance, can offer a viable alternative to the prevailing consumer culture among Indonesian Generation Z. The implications of this research lie in providing insights for educators, policymakers, and Islamic institutions seeking to promote balanced consumption patterns among youth in Indonesia 
Optimizing Performance: A Dynamic Analysis of Credit Quality, Operational Efficiency, and Their Influence on ROA in Indonesian Islamic Banks Munadiati, Munadiati; Muhammad, Alfian; Yahya, M.; Wulandari, Putri
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/cz9qkp11

Abstract

ABSTRACT This study investigates the influence of key financial management strategies on the Return on Assets (ROA) of Islamic Commercial Banks (ICBs) in Indonesia. The analysis explores the direct and indirect effects of Funding Deposit Ratio (FDR) and Non-Performing Financing (NPF) on ROA, with Operational Costs to Operational Income (BOPO) as a mediating variable. The findings reveal a significant influence of FDR on ICB performance. While a higher FDR leads to lower operational costs, it might also be associated with lower profitability due to deposit interest rates. ICBs need to strike a balance between cost-effective deposits and exploring alternative funding sources. While the direct effect of NPF on ROA is unclear, it significantly impacts profitability indirectly through its influence on operational efficiency. Higher NPF levels can lead to increased costs, potentially reducing ROA. Therefore, effective NPF management is crucial for ICBs. The study further emphasizes the importance of managing operational efficiency (BOPO). Lower BOPO, indicating efficient use of operational income, is directly linked to a higher ROA. ICBs should focus on cost-saving measures and optimizing operational processes to improve efficiency and maximize ROA. Overall, the research highlights the critical role of a holistic approach to financial management in ICBs. By effectively managing FDR, NPF, and BOPO, ICBs can achieve a well-balanced funding structure, minimize bad debt risk, and optimize operational efficiency. Keywords: Islamic Banking, Performance, Credit Quality, Operational Efficiency, and Return on Assets.
A Shariah-Compliant Model for Urban Development: Langsa Halal Industry and A Hub-City Munadiati, Munadiati; Kurlillah, Anis; Iskandar, Iskandar; Zulhilmi, Zulhilmi
Economica: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.1.24842

Abstract

This study explores Kota Langsa, Aceh Province, Indonesia's potential as a halal industry hub-city, addressing gaps in Shariah-compliant urban models. Novelty lies in integrating halal principles with the hub-city concept, grounded in Islamic values of justice, fairness, and sustainability, offering a fresh theoretical framework for Islamic urban economics. Adopting a phenomenological design, in-depth interviews, focus groups, and document analysis were conducted to collect data from the stakeholders. As a result, in the purpose of ensuring halal authenticity, there were significant challenges of inadequate infrastructure, lack of skilled workers, and weak regulations. Responding to the challenges, a five-pillar strategy is proposed: Halal Industry Cluster Development, Infrastructure Enhancement, Human Capital Building, Regulatory Strengthening, and Public-Private Partnerships. This model contributes to Islamic economic theory by showing how to embed ethical practices and social responsibility into urban development. It provides actionable recommendations for policymakers, urban planners, and Islamic finance experts, helping Kota Langsa to drive regional growth by bridging urban development with halal ecosystems.
Analisis Faktor Emosional dan Rasional Terhadap Keputusan Nasabah Dalam Memilih Menabung di BSI Kantor Cabang Langsa 2 Munadiati, Munadiati; Pidianti, Nana; Fahriansah, Fahriansah; Miswari, Miswari
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 3 No 1 (2024): Vol 3, No 1 (2024)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v3i1.8626

Abstract

Tujuan – Penelitian ini bertujuan untuk mengidentifikasi faktor emosional dan rasional yang mempengaruhi keputusan nasabah dalam memilih PT. Bank Syariah Indonesia (BSI) Kantor Cabang Langsa 2 sebagai tempat menabung. Metode – Metode penelitian yang digunakan adalah penelitian lapangan (field research) dengan pengumpulan data melalui wawancara, observasi, dan dokumentasi. Responden terdiri dari empat nasabah dan satu karyawan BSI. Hasil Penelitian – Hasil penelitian menunjukkan bahwa faktor emosional terhadap keputusan nasabah dalam memilih menabung di BSI KC Langsa 2 yaitu ikut-ikutan keluarga dan alasan religius. Faktor rasional terhadap keputusan nasabah dalam memilih menabung di BSI KC Langsa 2 yaitu karena kualitas pelayanan yang baik, ramah dan fasilitas yang diberikan. Selanjutnya BSI KC Langsa 2 juga menghadapi beberapa kendala dalam mempengaruhi keputusan nasabah, kendala tersebut meliputi masalah dalam bidang pelayanan, seperti panjangnya antrian, serta berbagai masalah yang berkaitan dengan nasabah itu sendiril Keterbatasan – Keterbatasan penelitian ini terletak pada sampel yang terbatas pada satu kantor cabang BSI, sehingga hasilnya mungkin tidak dapat digeneralisasikan ke seluruh BSI di Indonesia. Implikasi Praktis – Penelitian selanjutnya disarankan untuk memperluas sampel dan mengeksplorasi lebih dalam faktor-faktor lain yang mungkin mempengaruhi keputusan nasabah dalam memilih bank syariah
Financial Inclusion Through E-Wallets: A Besitang Case Study On Promotions, Brand Image And Purchase Behavior Kurlillah, Anis; Munadiati, Munadiati; Safarida, Nanda; Maulana, Zefri; Hafiza, Aulia
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9897

Abstract

This study explores how e-wallets promote financial inclusion in Besitang, a non-metropolitan Indonesian city. We investigate the influence of features, promotions, and brand image on e-wallet purchasing decisions. A quantitative survey targeting 100 smartphone-owning workers and students was conducted. Analysis revealed that all three factors (features, promotions, and brand image) have a significant positive impact on e-wallet usage (p < 0.05). Together, they explain 80.7% of the variation in purchasing decisions, highlighting their crucial role in e-wallet adoption. These findings emphasize the importance of e-wallet providers implementing innovative features, attractive promotions, and a strong brand image to drive financial inclusion in non-metropolitan areas. The study offers valuable insights for e-wallet companies and opens avenues for further research on e-wallet adoption drivers.
Co-Authors Abdul Hamid Al Bakri, Mirdat Amanda, Risa Yuni Anis Kurlillah AYU LESTARI Bangko, Ulan Sundari Chalil, Rifyal Dahlawy Darmawan, M Ari Fahriansah, Fahriansah Fazal Ahmed, Osman Abulkalam Hafiza, Aulia Hafizhah, Zuhrah Iskandar Iskandar M. Yahya Mauloeddin Afna, Mauloeddin Miswari Miswari, Miswari Muhammad Riza Muhammad, Alfian N. Nurjanah Nurfadillah Nurfadillah Pidianti, Nana Pratiwi, Melani Dea PUTRI WULANDARI Rahimah, Dewi Rahmah, Elsa Auliana Rangkuti, Widatul Zanna Riski, Muhammad Anjas Sabila, Amalia Dwi Safarida, Nanda Sakila, Arifa Dara Silvia, Riska Syifa, Hafni Dwi Yulfita, Uti Zefri Maulana, Zefri Zulhilmi, Zulhilmi