J-EBIS (Jurnal Ekonomi dan Bisnis Islam)
The Journal that published by Faculty of Economic and Islamic Busines, State Institut for Islamic Studies (IAIN) Zawiyah Cot Kala Langsa, This journal focused on Islamic Economics and Finance studies. The Journal is published twice a year on April and October. The aim of the journal is to disseminate the Islamic economics and finance.
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<![CDATA[Determinan Kepuasan Nasabah Dalam Menggunakan Mobile-Banking Pada Bank Syariah Indonesia Di Kota Banda Aceh ]]>
<![CDATA[Ilyas, TM. Syahrizal]]>;
<![CDATA[Wardah]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i1.4119
<![CDATA[The purpose of this study is to measure and analyze the impact of trust, religiosity, efficiency, and service quality on the satisfaction in using mobile-banking among the customers of Bank Syariah Indonesia (BSI)in Banda Aceh City, Indonesia. Togather the data, the study distributed questionnaires to a 100 selected the BSI customers in the city using a purposive sampling technique. Used a linear regression analysis, the study found that trust, efficiency, and service quality have a significant positive impact on the customer satisfaction in using BSI’ mobile-banking BSI. Meanwhile, the religiosity has in significant effect on the customer satisfaction in using mobile-banking of the BSI These findings show the importance of enhancing trust, efficiency, and service quality to promote satisfaction of the BSI’s customers in using mobile-banking.]]>
<![CDATA[Peran Kepuasan Nasabah Dalam Memediasi Pengaruh Kualitas Pelayanan Dan Literasi Produk Keuangan Terhadap Loyalitas Nasabah Bank Aceh Syariah ]]>
<![CDATA[Kharisma, Siti Rahma Keumala]]>;
<![CDATA[Nurdin, Ridwan]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i1.5830
<![CDATA[The purpose of this research is to examine the mediating influence of customer satisfaction on service quality and financial product literacy on customer loyalty at Bank Aceh Syariah. The sample in this study was 80 customers who were obtained using the Hair et al. formula. Data collection was carried out by distributing questionnaires to respondents which were then analyzed using structural model equations or SEM-PLS. This research found that service quality and product literacy have a positive and significant effect on customer satisfaction. Customer satisfaction and product literacy also have a positive and significant effect on customer loyalty. However, this result is inversely proportional to the influence of customer satisfaction on customer loyalty. Research also finds that service quality through customer satisfaction has a positive and significant influence on customer loyalty. However, in contrast to service quality, the financial product literacy variable found a positive but not significant influence on customer loyalty. To gain customer loyalty, Bank Aceh Syariah is advised to improve service quality. What can be done is to provide a polite and friendly welcome, make the waiting room comfortable and provide fast and efficient service.]]>
<![CDATA[Eksplorasi Zakat Saham Dalam Tinjauan Ekonomi Islam ]]>
<![CDATA[Sitti Muallimah]]>;
<![CDATA[Agustinar]]>;
<![CDATA[Asnita, Dessy]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i1.7048
<![CDATA[This research aims to find out how Zakat on Shares is from an Islamic Economic Perspective? And what is the potential for Zakat on shares as a source of income for the community? The method used is a qualitative descriptive approach. The results obtained are that in a review of Islamic economics, share zakat is one mechanism for implementing the principle of a more equitable distribution of wealth in society, while supporting sustainable economic development. Exploration of share zakat in Islamic economics is a relevant and important concept in the development of an economic system based on Islamic principles. The potential for share zakat in Indonesia has increased, but this increase is not commensurate with the number of investors and the population of Indonesia. One of the causes is the low level of understanding of share zakat among investors, so this education is a necessity. Share Zakat has great potential for the people. The more people who invest in sharia shares, the greater the potential for collecting zakat on shares, which includes providing a wider selection of sharia shares, supporting companies that comply with sharia principles, and holding educational programs for Muslims about investing in accordance with sharia.]]>
<![CDATA[The Application Of Technology Acceptance Model (TAM) In Verifying “Draiv” Usage Intention ]]>
<![CDATA[junita, Junita Safitri]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i1.7181
<![CDATA[This research is aim to verify the affecting Factor of Attitude Platform Usage , contemporary investigating the dominant factor that determines The Platform Usage Intention. Hypothesis testing were conducted using Quantitative method. The Research was conducted using an online survey approach. The Sample comprised 218 customers. The data collected were analyzed using PLS (Partial Least Square) Structural Equation Model. This Paper attempted to examine the customer response about the Kind of Courier Service Business that provide an organized system which operate in Indonesia by using TAM. The Findings indicated that technology usage was predicted by Behavioral Intention, while Behavioral Intention influenced by Attitude and Perceived Usefulness, when attitude and perceived usefulness were predicted by Perceived ease of use. Perceived Ease of Use Equals to Perceived Usefulness. While Perceived usefulness failed to affect attitude toward technology usage]]>
<![CDATA[Fintech Dan Keberlanjutan Usaha Mikro : Studi Analisis Pada Peer To Peer Lending ]]>
<![CDATA[Nurjanah]]>;
<![CDATA[Ar-Royyan Ramly]]>;
<![CDATA[Zulhilmi]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i1.8257
<![CDATA[The development of MSMEs is needed for Indonesia's economic growth. However, the problem of Micro that often occurs is in the source of capital. The difficulty of MSMEs with micro categories to obtain financing facilities at financial institutions has resulted in the development of innovation and production being hampered. The presence of fintech is one alternative in accessing finance such as loans on peer to peer lending flatforms. The purpose of this study is to see the role of peer to peer lending for the sustainability of Micro in Langsa City. The method used was qualitative descriptive. The results showed that the presence of peer to peer lending is very helpful for Micro in Langsa city that experience a lack of capital or funds to continue their business activities, although the loan period given is only a short time, which is a month. Then, the existence of Peer to peer lending plays a role in continuing the Micro business in the city of Langsa, even playing a role in developing the business for the better.]]>
<![CDATA[Analisis Pengaruh Pembiayaan Musyarakah, Dana Pihak Ketiga Terhadap Profitabilitas Bank Sumut Syariah Medan ]]>
<![CDATA[ridwan, Muhammad]]>;
<![CDATA[M.Abrar Kasmin Hutagalung]]>;
<![CDATA[Bagus Riski]]>;
<![CDATA[Riswan Rambe]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i1.8786
<![CDATA[This research aims to examine the impact of musharaka funding and funding from third parties on profitability. The data used includes the Financial Report of PT Bank Sumut Syariah KC Medan for a four year period (2015-2018), which consists of 48 monthly reports. The data analysis method used is multiple linear regression analysis. The results show that both musharaka funds and Third Party Funds (DPK) have a substantial and beneficial impact on profitability when analyzed together. (F-test). This is supported by an adjusted R-squared value of 10%. The T-test reveals that the T-calculated value for musyarakah finance as an independent variable is 2.329, which exceeds the T-table value of 2.012 (2.329 > 2.012). This shows a positive and statistically significant impact on profitability. On the other hand, the T-calculated value for the independent variable of third-party funds is -0.524, which is less than the T table value of 2.329 (-0.524 < 2.329). Additionally, the p-value of 0.603 exceeds the critical value of 0.05, resulting in acceptance of the null hypothesis. (H0). This means that third-party funds do not have a statistically significant effect on profitability. These findings show the importance of improving musyarakah financing services to increase the profitability of Bank Sumut Syariah.]]>
<![CDATA[Valuasi Saham Perusahaan Teknologi: Studi Kasus Di Perusahaan Teknologi Yang Terdaftar Pada Indeks Idxtechno ]]>
<![CDATA[Muhammad, Reza Fahmi]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i1.9168
<![CDATA[This research aims to discuss the research of stocks in the technology sector (IDXTECHNO) with an emphasis on in the Indonesia Stock Exchange (IDX), the stock fundamental analysis of which listed in IDXTechno. This research covers economic factor, industrial factor, and company factors, finalized with valuation of stock using the relative valuation method and discounted cash flow. This research is done as a response to the phenomenon of technology company stock’s surge of price in the IDX which are potentially caused by asset overvaluation and herding behavior. The irrational investor decision might cause the price of an asset incredibly high and potentially caused an economic bubble. This research is a study case model which use one of the companies listed in the IDX techno as a valuation sample. This research aims to find out whether the market price of the companies listed in the IDX techno is overvalued or undervalued. Furthermore, the research also aims to detect a potential herding behavior from the price surge in the IDXTECHNO between 2021 to the 2024.]]>
<![CDATA[Pengaruh Inflasi, Jumlah Uang Beredar, Kurs Dan Suku Bunga SBI Terhadap Indeks Harga Saham Di Jakarta Islamic Index (JII) Periode 2017–2022 ]]>
<![CDATA[Sari, Nurma]]>;
<![CDATA[Hanif, Muhammad Hanif Fariswan]]>;
<![CDATA[Saputra, Mulia]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v9i1.7822
<![CDATA[This study aims to analyze the influence of inflation, money supply, exchange rate and SBI interest rates on the stock price index in the Jakarta Islamic Index for the period 2017 – 2022. The data used in this study is secondary data that is quantitative in nature consisting of monthly inflation data, money supply, changes in exchange rates, SBI interest rates and the Jakarta Islamic Index. The analysis used is Multiple Linear Regression. The results of the study show that partially the inflation and interest rate variables have a significant positive effect on the stock price index in the Jakarta Islamic Index, while the exchange rate variable partially has a significant negative effect on the stock price index in the Jakarta Islamic Index and the variable of the money supply does not partially affect the stock price index in the Jakarta Islamic Index. Then simultaneously, inflation variables, money supply, exchange rate and SBI interest rate have a significant effect on the stock price index in the Jakarta Islamic index. The results of the study explain the importance of maintaining the stability of foreign exchange rates so that they are not too high, which has an impact on the weakening of stocks.]]>
<![CDATA[Determinan Kepuasan Nasabah Dalam Menggunakan Mobile-Banking Pada Bank Syariah Indonesia Di Kota Banda Aceh ]]>
<![CDATA[Ilyas, TM. Syahrizal]]>;
<![CDATA[Wardah]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
Show Abstract
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DOI: 10.32505/j-ebis.v9i1.4119
<![CDATA[The purpose of this study is to measure and analyze the impact of trust, religiosity, efficiency, and service quality on the satisfaction in using mobile-banking among the customers of Bank Syariah Indonesia (BSI)in Banda Aceh City, Indonesia. Togather the data, the study distributed questionnaires to a 100 selected the BSI customers in the city using a purposive sampling technique. Used a linear regression analysis, the study found that trust, efficiency, and service quality have a significant positive impact on the customer satisfaction in using BSI' mobile-banking BSI. Meanwhile, the religiosity has in significant effect on the customer satisfaction in using mobile-banking of the BSI These findings show the importance of enhancing trust, efficiency, and service quality to promote satisfaction of the BSI's customers in using mobile-banking.]]>
<![CDATA[Peran Kepuasan Nasabah Dalam Memediasi Pengaruh Kualitas Pelayanan Dan Literasi Produk Keuangan Terhadap Loyalitas Nasabah Bank Aceh Syariah ]]>
<![CDATA[Kharisma, Siti Rahma Keumala]]>;
<![CDATA[Nurdin, Ridwan]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
Show Abstract
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DOI: 10.32505/j-ebis.v9i1.5830
<![CDATA[The purpose of this research is to examine the mediating influence of customer satisfaction on service quality and financial product literacy on customer loyalty at Bank Aceh Syariah. The sample in this study was 80 customers who were obtained using the Hair et al. formula. Data collection was carried out by distributing questionnaires to respondents which were then analyzed using structural model equations or SEM-PLS. This research found that service quality and product literacy have a positive and significant effect on customer satisfaction. Customer satisfaction and product literacy also have a positive and significant effect on customer loyalty. However, this result is inversely proportional to the influence of customer satisfaction on customer loyalty. Research also finds that service quality through customer satisfaction has a positive and significant influence on customer loyalty. However, in contrast to service quality, the financial product literacy variable found a positive but not significant influence on customer loyalty. To gain customer loyalty, Bank Aceh Syariah is advised to improve service quality. What can be done is to provide a polite and friendly welcome, make the waiting room comfortable and provide fast and efficient service.]]>
