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All Journal Jurnal Ilmiah Edunomika (JIE) Ihtiyath : Jurnal Manajemen Keuangan Syariah AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Al-Mudharabah
Zainuri, Hamzah
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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ANALYSIS OF THE USE OF E-BANKING AT PT. BANK SYARIAH INDONESIA (BSI) AFTER THE ENACTMENT OF QANUN NO 11 OF 2018 CONCERNING LKS Fajri, Ikhsan; Zainuri, Hamzah
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2023): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i1.3289

Abstract

Electronic banking or E-Banking service is the latest innovation presented by Bank Syariah Indonesia (BSI) as a form of commitment to digital technology-based services that aim to facilitate customers in the banking sector. E-Banking services have enabled BSI customers to obtain information, communicate, and conduct banking transactions through electronic media including ATMs, phone banking, electronic fund transfers, internet banking and mobile, This instrument certainly has a very positive impact on users of BSI services in Aceh after the enactment of Qanun No. 11 of 2018 concerning LKS. This study aims to determine how customer perceptions of the ease of use of E Banking and determine customer perceptions of the risks faced in using E-Banking at PT. BSI after the implementation of Qanun No. 11 of 2018 concerning LKS in Aceh. This research method uses a qualitative design with case study research techniques. The types of data collected are primary and secondary data. The results of this study are very useful and can be input for the government and Sharia Financial Institutions to mitigate more quickly related to potential risks that arise both at the internal and external levels of the bank, this is considering that the people of Aceh are currently very sensitive to the form of digital-based services that are often problematic provided by banks to customers.
How Should the Paradigm of Islamic Economic Research Be Understood? Sjafruddin, Sjafruddin; Zainuri, Hamzah
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 17 No. 1 (2025): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v17i1.4498

Abstract

Islamic economics is still a relatively new field within academic discourse, especially when compared to other more established branches of Islamic sciences. The practice of Islamic economics in the market has spurred further investigation and research to address the emerging challenges and issues. A key problem that arises is the dominance of quantitative-positivistic approaches, which have come to be regarded as "mainstream," while alternative approaches are often considered "non-mainstream." The positivist paradigm, with its emphasis on value-neutrality, tends to distance research from the human values that define economic actors as spiritual beings. In response, the integration-interconnection paradigm seeks to position Islamic economics within a framework that incorporates the objectification of religious ethics, thus aligning economic practice with spiritual and ethical considerations.
PENGARUH SINERGI KUALITAS LAYANAN, LOYALITAS MEREK DAN INOVASI PRODUK DALAM MENINGKATKAN KEPUASAN KONSUMEN Zuliani, Zuliani; Mutia, Ratna; Ikhbar, Samsul; Fajri, Ikhsan; Zainuri, Hamzah
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14044

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh secara simultan kualitas layanan, loyalitas merek dan inovasi produk terhadap kepuasan pelanggan pada PT. Darussalam Berlian Motor Banda Aceh, untuk mengetahui pengaruh secara parsial kualitas layanan, loyalitas merek, dan inovasi produk terhadap kepuasan pelanggan pengguna pada PT. Darussalam Berlian Motor Banda Aceh. Penelitian ini dilakukan pada PT. Darussalam Berlian Motor Banda Aceh, sedangkan objek penelitian ini adalah mengenai kualitas layanan, loyalitas merek, inovasi produk dan kepuasan pelanggan dengan jumlah sampel terpilih sebanyak 85 orang. Peralatan analisis data dalam penelitian ini menggunakan skala likert dan analisis data regresi linier berganda. Hasil penelitian menunjukkan bahwa kualitas layanan, loyalitas merek dan inovasi produk secara bersama-sama berpengaruh secara signifikan terhadap kepuasan pelanggan pada PT. Darussalam Berlian Motor Banda Aceh dengan diperoleh Fhitung > Ftabel (67,780 > 2,701) pada tingkat signifikansi 0.000, kemudian hasil penelitian juga membuktikan bahwa kualitas layanan secara individu berpengaruh secara signifikan terhadap kepuasan pelanggan pada PT. Darussalam Berlian Motor Banda Aceh dengan nilai koefisien regresi sebesar 0.160 dengan tingkat signifikan sebesar 0,000. Hasil penelitian juga membuktikan bahwa loyalitas merek, secara individu berpengaruh secara signifikan terhadap kepuasan pelanggan pada PT. Darussalam Berlian Motor Banda Aceh dengan nilai koefisien regresi sebesar 0.112, dengan tingkat signifikan sebesar 0,004 dan inovasi produk secara individu berpengaruh secara signifikan terhadap kepuasan pelanggan dengan nilai koefisien regresi sebesar 0,157 dengan nilai signifinaksi sebesar 0,000 pada  = 5%. Hasil penelitian ini diharapkan dapat bermanfaat bagi PT. Darussalam Berlian Motor Banda Aceh untuk dapat lebih meningkatkan kepuasan pelanggan dimasa yang akan datang.
The Principle of Justice and the Practice of Riba-Free Finance in Islamic Financial Management Muliadi; Maulana, Muhammad; Yunizar, Muhammad; Havna; Fitri, Rati Saktia; Zainuri, Hamzah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.12957

Abstract

A Critical Review of Murabahah Practices in Indonesia Islamic Banks: A Sharia Perspective Muliadi; Zainuri, Hamzah
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 17 No. 2 (2025): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/evhxnd69

Abstract

Murabahah is the most favored financing product among customers, contributing significantly to the growth of Islamic banking. With a straightforward scheme resembling typical sales transactions, murabahah focuses on fulfilling consumptive needs, similar to credit offered by conventional banks. As a result, banks do not need to worry about customers’ profits or losses, as the profit margin is predetermined from the outset. However, the adoption and adaptation of murabahah financing by Islamic banks have not been free from scrutiny and debate. Along with the development of the Islamic financial industry, questions have arisen about the extent to which murabahah truly reflects the spirit of authentic Islamic economic law. This research employs a qualitative methodology and is a library-based study emphasizing a scientific approach without involving statistical procedures. The study critiques various points of contention and debates surrounding murabahah products within the context of Islamic banking.
Co-Authors Fitri, Rati Saktia Havna Ikhbar, Samsul Ikhsan Fajri, Ikhsan Muhammad Maulana Muliadi Mutia, Ratna Sjafruddin Sjafruddin Yunizar, Muhammad Zuliani -