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INDONESIA
J-EBIS (Jurnal Ekonomi dan Bisnis Islam)
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : 25021397     EISSN : 25408100     DOI : -
Core Subject : Economy, Education,
Economics, Econometrics & Finance Other
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.
Arjuna Subject : -
Articles 235 Documents
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Determinants Transact Using Bi Fast Transfer Service On Bsi Mobile Lubis, Rahmat Husein; Hasniati
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.6927

Abstract

The current development of technology 4.0 shows the progress of application transactions in Islamic financial institutions. It does not rule out possibilities like BSI Mobile with its BI Fast service. BI Fast service is a transfer transaction service between Bank Syariah Indonesia and other conventional banks with a fee of Rp. 2,500 per transaction. The research used is quantitative research with primary and secondary data. Data collection is carried out by distributing questionnaires. The sampling technique is a random sampling technique of 30 respondents from UIN students Prof. K. H. Saifuddin Zuhri Purwokerto. The data analysis used is a reliability test, validity test, basic assumption test (normality test, descriptive analysis test, and linearity test). Then for hypothesis tests using (t test, F test, and R2 determination coefficient test) and multiple tests. For data management, it uses the SPSS 25 application in 2023. Use of BI Fast application on BSI Mobile. Based on the data processing, it was concluded that there is an influence of financial literacy on transactions using BI Fast BSI Mobile services, there is no effect of convenience on transactions using BI Fast BSI Mobile services, and there is no influence of trust on transactions using BI Fast BSI Mobile services. And simultaneously the three variables of financial literacy, convenience, and trust do not affect transactions using BI Fast BSI Mobile services
Pengaruh Kemudahan, Ketersediaan Fitur Dan Manfaat Terhadap Kepuasan Nasabah Pengguna Bsi Mobile Di Kecamatan Ilir Barat Kota Palembang Zulkarnain, Muhammad; Aurantia Marina; Nur Jumriatunnisah; Nurul Ilma Hasana Kunio
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.7036

Abstract

Technology has an important role in life, and one of them is in the banking world. The technology adopted by banking and useful for providing services to every customer is mobile banking, such as at Bank Syariah Indonesia, namely BSI Mobile. This research aims to determine the effect of convenience, features, and benefits on customer satisfaction with BSI mobile users in Ilir Barat I, Palembang City. The data analysis method used is a quantitative method with data analysis techniques using multiple linear regression equations. Data collection used a questionnaire with a sample size of 75 respondents. The research results showed that the variables of convenience, features, and benefits partially and simultaneously influence customer satisfaction with BSI Mobile users in Ilir Barat District, Palembang City.
Eksplorasi Zakat Saham Dalam Tinjauan Ekonomi Islam Sitti Muallimah; Agustinar; Asnita, Dessy
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.7048

Abstract

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.
Interaksi Bank Syariah dan Variabel Makroekonomi dalam Mendorong Pertumbuhan Ekonomi di Negara Berkembang Kismawadi, Early Ridho
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i1.7055

Abstract

This study aims to examine the empirical impact of the Islamic banking sector, inflation rate, and currency exchange rate on the economic growth of Saudi Arabia, United Arab Emirates, Kuwait, Malaysia, Qatar, Bahrain, and Bangladesh from 2014 to 2022. For the purpose of further investigation, a total of 717 observations were selected according to certain criteria. The sample consisted of 24 banks from seven countries that have the highest aggregate assets on a global scale. Data is collected quarterly. This research approach is quantitative research using the Vector Error Correction Model as an analysis technique. Long-term analysis is tested using cointegration analysis. Impulse response function (IRF) and variance decomposition (VD) techniques were used in this study to show how each macroeconomic variable shock affects the short-term dynamic path of all system variables. The results of the study found that the shock of the majority of research variables was responded positively by GDP except for inflation which in the initial period of the shock was responded negatively by GDP. The results of the Variance Decomposition GDP analysis can be explained that in the initial period GDP variance was formed sequentially from the exchange rate variance, inflation, Total Assets of Islamic Banks, Total Assets of Islamic Banks, and the contribution of Islamic bank assets continued to increase during the observation period.
The Influence of Knowledge, Perceptions, and Preferences on Customer Behavior Through Religious as An Intervening Variable Alfian; Amiruddin Yahya; Lisa Marzelia
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.7072

Abstract

This study analyzes the impact of knowledge, perceptions, and preferences on customer behavior through religiosity as an intervening variable at Bank Aceh Syariah Aceh Tamiang Regency. This study employs field research with a sample size of 96. The data analysis technique used is PLS-SEM version 3.0, which includes Outer Model, Inner Model, and Hypothesis Test analysis. The findings indicate that knowledge has a direct positive effect on customer behavior, and that knowledge through religiosity also has a positive and significant impact. Perception variables have a positive but insignificant effect on customer behavior, while religiosity has a positive and significant effect on perception. Preferences have a positive but insignificant effect on customer behavior, while religiosity has a negative and insignificant effect on preferences. Additionally, religiosity has a positive and significant effect on customer behavior at Bank Aceh Syariah Aceh Tamiang Regency. The implications of this research can serve as a reference for academic studies by government officials, Islamic banking practitioners, and the wider community to support scientific development, products, and technology in the future development of Islamic banks. Further research should consider additional and intervening variables for maximum results.
Analysis of Financial Planning and The Factors that Influence It: Student Case Study Alamsyah, Akla Rizka; Ulya, Zikriatul; Hisan, Khairatun
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.7103

Abstract

This research aims to determine the effect of financial literacy, financial behavior and self-control on student financial planning. This research is a quantitative study of 213 respondents using simple random sampling technique with the requirement that students have taken financial planning courses. Data analysis using SmartPLS with two model tests. The results obtained are that financial literacy, financial behavior and self-control have a positive and significant effect on financial planning partially. The findings also show that there is an indirect effect through self-control that financial literacy has a positive but not significant effect, but has a positive and significant effect on the relationship between financial behavior to financial planning. These results indicate that financial management knowledge will be much more useful if it is practiced in everyday life to achieve planned financial goals. For this reason, it is important for the world of education not only to teach financial knowledge, but also to help improve individual behavior so that they have good discipline and self-control.
The Application Of Technology Acceptance Model (TAM) In Verifying “Draiv” Usage Intention junita, Junita Safitri
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.7181

Abstract

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
Fintech Dan Keberlanjutan Usaha Mikro : Studi Analisis Pada Peer To Peer Lending Nurjanah; Ar-Royyan Ramly; Zulhilmi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.8257

Abstract

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.
Analisis Pengaruh Pembiayaan Musyarakah, Dana Pihak Ketiga Terhadap Profitabilitas Bank Sumut Syariah Medan ridwan, Muhammad; M.Abrar Kasmin Hutagalung; Bagus Riski; Riswan Rambe
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.8786

Abstract

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.
Valuasi Saham Perusahaan Teknologi: Studi Kasus Di Perusahaan Teknologi Yang Terdaftar Pada Indeks Idxtechno Muhammad, Reza Fahmi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.9168

Abstract

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.

Page 18 of 24 | Total Record : 235

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