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All Journal Amalee: Indonesian Journal of Community Research & Engagement JIB : Journal Islamic Banking Journal of Islamic Economic Scholar Jurnal Ekonomi dan Bisnis International Journal of Economics, Science, and Education (IJESE)
Jamila, Khaidar Rahmaini
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Humanities Economics, Econometrics & Finance Public Health Social Sciences Other

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Analysis of Factors Influencing Customers' Decision to Choose Saving Jamila, Khaidar Rahmaini
Journal of Islamic Economic Scholar Vol. 1 No. 2 (2020)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2020.1.2.175-185

Abstract

The purpose of this study is to find out what factors influence the customer's decision in choosing BNI Syariah Tunas Hasanah iB savings account in Medan also to see which variable is dominant in the customer's decision to save. This research method uses quantitative methods, with data collection techniques that are distributing questionnaires to customers of BNI Syariah Medan. The data collected was processed using SPSS application version 16. The results showed that the dependent variable with various factors affecting it was 83.5% able to be explained by (variable X) product quality, promotion and service, while the remaining 16.5% customer decisions were explained by other causes outside of research. Each of the X variables has a significant effect on the customer's decision to choose iB Tunas Hasanah savings.Keywords : Product Quality, Service, Promotion, Sharia Bank
Smart Village Desa Perlis: Improving Prima Village Services Based on Digital Applications Qarni, Waizul; Jamila, Khaidar Rahmaini; Silalahi, Purnama Ramadani; Imsar, Imsar
Amalee: Indonesian Journal of Community Research and Engagement Vol. 6 No. 1 (2025): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v6i1.6440

Abstract

This community service aims to realize a smart village in Perlis Village through a digital application. This study uses a participatory and collaborative approach. The activeness of participants and all stakeholders is needed from the planning stage to the evaluation. This community service is in Perlis Village, Berandan Barat District, Langkat Regency. The techniques for collecting and analyzing community service data are: 1) Smart Village Application and 2) Training using Smart Village Application software. The result of this service is an increase in the effectiveness of village services by 66% after using the smart village application. This shows the effectiveness of the training used significantly in providing knowledge to the community regarding administrative services for correspondence at the Perlis village office, which can be carried out online. Through the Perlis Village office, the village government is an agent of change for the self-reform process in empowering agents for the community to realize Smart Governance.
Peran Perbankan Syariah Internasional dalam Mendukung Perkembangan Ekonomi Global Jamila, Khaidar Rahmaini; Ramzy, Al; Rosuli, Fitra Amar; Rahma, Maulida
Surplus: Jurnal Ekonomi dan Bisnis Vol. 4 No. 1 (2025): Juli-Desember 2025
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v4i1.1580

Abstract

Perbankan syariah internasional memperlihatkan kemajuan yang makin signifikan seiring bertambahnya permintaan global pada layanan keuangan menyesuaikan prinsip syariah dan etika bisnis. Hal ini memperlihatkan kebutuhan dunia pada sistem keuangan alternatif yang berkelanjutan, adil, serta bisa mendorong sejumlah sektor ekonomi, khususnya di negara dengan populasi Muslim besar. Penelitian ini ditujukan agar mengeksplorasi bagaimana perbankan syariah internasional berkontribusi pada kemajuan ekonomi, menguatkan stabilitas sistem keuangan global, juga menambah inklusi keuangan lewat tahapan pembiayaan, investasi, dan pengelolaan risiko menyesuaikan prinsip syariah. Metode yang dimanfaatkan ialah deskriptif kualitatif dari studi pustaka termasuk jurnal, beberapa buku, dan dokumen berkaitan dengan perbankan syariah internasional. Hasil penelitian memperlihatkan yakni bank syariah bisa mendukung kemajuan ekonomi, memperbanyak akses keuangan, menguatkan ketahanan finansial, serta mendorong pembangunan berkelanjutan. Kesimpulannya, implementasi prinsip syariah dengan global menghadirkan perolehan ekonomi nyata termasuk menguatkan keadilan sosial serta keberlanjutan finansial di tingkat internasional.
Analisis Perkembangan Produk dan Layanan Bank Syariah Di Pakistan Wina Sabrina, Tri; Yunanda, Mey; Sagala, Ahyarul Juanda; Jamila, Khaidar Rahmaini
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1336

Abstract

Islamic banking in Pakistan has unique characteristics compared to other Muslim countries, as from its early development it was directed toward the Islamization of the entire national banking system. This study aims to analyze the development of Islamic banking products and services in Pakistan as well as the dynamics accompanying it. The research method employed is a descriptive qualitative approach through a literature review, utilizing secondary data obtained from books, scholarly articles, and relevant reports. The results indicate that Islamic banking in Pakistan has experienced significant growth, as reflected in the diversification of financing products such as murabahah, mudarabah, musharakah, and ijarah, as well as savings and investment services and Islamic financial instruments such as sukuk. In addition to functioning as commercial financial institutions, Islamic banks in Pakistan also perform a social role through the management of zakat, waqf, and Islamic social funds. Regulatory support from the State Bank of Pakistan has further contributed to the growth of this sector. Nevertheless, this development continues to face challenges, including limited Islamic financial literacy, the need for product innovation, and competition with conventional banks. This study is expected to contribute to the enrichment of academic literature on Islamic banking and to serve as a reference for the sustainable development of the Islamic banking industry in Pakistan.
Decision Ethics and Risk Mitigation: Asset Protection in the Moses–Khidr Narrative Jamila, Khaidar rahmaini; Rokan, Mustafa Khamal; Tarigan, Azhari Akmal
International Journal of Economics, Science, and Education Vol. 2 No. 5 (2025): International Journal of Economics, Science, and Education (IJESE)
Publisher : CV Pena Jaya Pers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65254/ijese.v2i5.55

Abstract

Purpose: This study aims to examine the ethics of decision-making and risk mitigation in the Qur’an through the narrative of Prophet Moses and Khidr (peace be upon them) in Surah Al-Kahf verse 71, and to explore its relevance to asset protection and contemporary Islamic insurance. Design/methodology/approach: The study employs a qualitative descriptive approach with library research. The main reference is Tafsir Al-Iqtishodiy by Rafiq Yunus Al-Mishri, analyzing the dialogue between Moses and Khidr to extract ethical and economic lessons on risk identification and mitigation. Findings: Khidr’s actions exemplify wisdom-based decision-making and long-term risk mitigation aligned with maqāṣid al-sharī‘ah, particularly hifẓ al-māl. Asset protection is presented as a moral and social responsibility, while takaful, ta‘āwun, and prudence in Islamic insurance reflect Qur’anic ethics of risk management. Research limitations/implications: The study is limited to textual analysis of one Qur’anic narrative and one tafsir perspective, which may constrain generalization. Practical implications: Findings provide an ethical foundation for sustainable risk management and development of Sharia-compliant insurance policies. Originality/value: The study bridges Qur’anic ethics, Islamic decision-making, and modern risk management, offering a novel conceptual framework for ethical asset protection. Paper type: Research paper Keywords: Asset Protection, Decision Ethics, Islamic Insurance, Quranic Interpretation, Risk Mitigation
Countering Hoarding: A Sharia Microeconomic Literature Review on National Food Distribution Disparities amid Inflation Jamila, Khaidar rahmaini; Ridwan, Muhammad; Soemitra, Andri; Yusrizal
International Journal of Economics, Science, and Education Vol. 2 No. 5 (2025): International Journal of Economics, Science, and Education (IJESE)
Publisher : CV Pena Jaya Pers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65254/ijese.v2i5.60

Abstract

ABSTRACT Purpose: This study examines the role of hoarding (iḥtikār) and food distribution inequality in driving food inflation in Indonesia from the perspective of Islamic microeconomics. Design/methodology/approach: A qualitative approach is employed through a systematic literature review of classical fiqh sources, contemporary Islamic economic theory, national macroeconomic data, and policy-related reports. Findings: The study finds that hoarding contributes directly to food inflation, social welfare deterioration, and distributive injustice. Islamic economic principles prohibit such practices due to their inconsistency with distributive justice (‘adl), public welfare (maṣlaḥah), and the objectives of Sharīʿah (maqāṣid al-sharīʿah). Research limitations/implications: The study is limited to secondary data and conceptual analysis without empirical field investigation. Practical implications: State intervention, price controls, and Sharīʿah-based redistributive instruments such as zakat and infaq are justified to correct market failures. Originality/value: This paper integrates Islamic microeconomic principles into contemporary food inflation discourse. Paper type: Literature review Keywords: distributive justice, food distribution, hoarding, inflation, iḥtikār, Islamic microeconomics
Co-Authors Andri Soemitra Azhari Akmal Tarigan Imsar, Imsar Muhammad Ridwan Qarni, Waizul Rahma, Maulida Ramzy, Al Rokan, Mustafa Khamal Rosuli, Fitra Amar Sagala, Ahyarul Juanda Silalahi, Purnama Ramadani Wina Sabrina, Tri yunanda, Mey Yusrizal