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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Jurnal Mudarrisuna: Media Kajian Pendidikan Agama Islam Benchmarking: Jurnal Manajemen Pendidikan Islam Jurnal Pengembangan Penyuluhan Pertanian AT-TASYRI' Jurnal Ilmiah Prodi Muamalah An Nuqud: Journal of Islamic Economics Al-Iqtishad
Mukhsinuddin, Mukhsinuddin
STAIN Teungku Dirundeng Meulaboh
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Veterinary

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Journal : An Nuqud: Journal of Islamic Economics

 1 
PERSEPSI PELAKU USAHA TERHADAP RETURN BANK KONVENSIONAL DALAM EKOSISTEM KEUANGAN SYARIAH DI ACEH: PERSEPSI PELAKU USAHA TERHADAP RETURN BANK KONVENSIONAL DALAM EKOSISTEM KEUANGAN SYARIAH DI ACEH Cut Nova Rianda; Mukhsinuddin
An Nuqud Journal of Islamic Economics Vol 4 No 1 (2025): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/annuqud.v4i1.1992

Abstract

The implementation of the Qanun on Sharia Financial Institutions (LKS) in Aceh since 2022 has made Aceh the only province in Indonesia that requires a comprehensive Islamic financial system. However, limited financial services, infrastructure and business needs have led to a push to bring back conventional bank services. This article aims to examine the perceptions of businesses towards the reintroduction of conventional banks in the framework of fulfilling financial services in three districts: Nagan Raya, Aceh Barat Daya, and Aceh Jaya. This research uses a qualitative approach with in-depth interviews with business actors and stakeholders. The results show an ambivalence in perceptions: on the one hand, businesses value sharia principles; on the other hand, they need flexibility, speed, and adequate access to credit as offered by conventional banks. Policy implications indicate the need for harmonisation of financial services that are adaptive to the needs of the local economy without neglecting the spirit of sharia.
Co-Authors Ameilia Zuliyanti Siregar Bargie, Gamal Cut Nova Rianda Firda Maya Devi hamsa, amrizal Khatami, M Lia Murlisa, Lia Muhammad Furqan Nina Eka Putri Rahmad Syah Putra Saputra, Fedry Tarmizi Tarmizi Tullah, Harir Rizky Zendato, Ayu Pransiska