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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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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
Rasio Keuangan Dalam Memprediksi Financial Distress Pada Perusahaan Manufaktur Yang Terdaftar Di Jakarta Islamic Index Husna, Husna Hayati; Muslina; Isra Maulina
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.7191

Abstract

As one type of industry included in the Jakarta Islamic Index, the manufacturing industry is one of the companies that has a better level of economic stability compared to other types of companies. In addition, the manufacturing companies in JII increase the attractiveness for Muslim investors in investing. Information regarding the Company's financial condition is of concern to investors before making an investment. One of the important pieces of information that is the center of attention for a company is profit information. A review of the profits of manufacturing companies registered with JII shows a fluctuating trend and some have consistently decreased in the 3 years of observation. This condition will become increasingly severe and result in financial distress if early anticipation of the Company's financial condition is not carried out. To ensure this condition, this research was carried out to look at the financial distress conditions of manufacturing companies in JII. The analytical methods used are the Almant Z Score method and the Zmijewski method. This type of research is quantitative descriptive. The population is manufacturing companies registered with JII consecutively for 3 years and experiencing fluctuating and decreasing profit trends. The research sample consisted of seven companies. The results of the analysis using the Almant Z-Score model found that there were 3 companies in the Gray Area category of financial distress and 4 others in the safe category of financial distress. Meanwhile, the results of the analysis using the Zmijewski model show that the entire sample is in good financial health.
Pengaruh Inflasi, Jumlah Uang Beredar, Kurs Dan Suku Bunga SBI Terhadap Indeks Harga Saham Di Jakarta Islamic Index (JII) Periode 2017–2022 Sari, Nurma; Hanif, Muhammad Hanif Fariswan; Saputra, Mulia
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.v9i1.7822

Abstract

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.
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.
Analysis Of QRIS Usage Among Generation Z In Banda aceh Adnan, Muhammad; Akmal Riza; Nisa Andaiyani
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9461

Abstract

The QRIS product issued by Bank Indonesia is one of the conveniences in digital transactions in society, this study aims to analyze the influence of knowledge and social media on Generation Z's interest in using QRIS in Banda Aceh City. The quantitative research approach methodology is associative, with primary data collection through questionnaires distributed to 100 respondents using simple random sampling techniques. Data analysis was carried out using multiple linear regression to test the influence or relationship between variables. The results of the study show that knowledge and social media have a positive and significant effect on Generation Z's interest in using QRIS. Specifically, knowledge has an influence of 79.10% on the interest in using QRIS, while social media contributes 38.50%. The results of the study provide an important contribution to the development of digital marketing strategies in increasing QRIS adoption, especially among Generation Z. The recommendation of this research is for the government, business actors, and digital payment service providers to increase educational and promotional campaigns through social media to increase awareness and use of QRIS in the community.
The Relationship Between Zakat, Infaq, Sadaqah, Economic Factors With Poverty In Indonesia Pebruary, Silviana Pebruary; Isna Amara
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9463

Abstract

This research intends to examine the relationship of Zakat, Infaq, and Sadaqah (ZIS), economic growth, education, minimum wage, and unemployment to poverty in Indonesia. The data used is secondary data, which is obtained through access to reports from the Central Bureau of Statistics and the National Amil Zakat Agency. The analysis was conducted using Eviews with panel data regression method, combining time series data from 2019 to 2023 and cross-section data from 34 provinces in Indonesia. The results showed that Zakat, Infaq, and Sadaqah (ZIS), economic growth, education, and minimum wage have no effect on poverty, because the probability value is greater than 5%, meanwhile, unemployment is proven to have an influence on poverty with a probability value of 0.0002 and a coefficient of 42.64756. This means that every 1% increase in the unemployment rate can increase the poverty rate by 42.64756. It is expected that the results of this study can be a reference for policymakers, practitioners, and other researchers in formulating strategies and programs to reduce poverty in Indonesia.
Determinants Of ROA In Sharia Banks: The Role Of NPF, FDR, And Net Imbalance On Profitability Zulkarnain, Muhammad; Ridwan Effendi; Marti Utari
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9505

Abstract

Islamic banks as a company still have a goal of profit, where profit is often used as a measure of the company's performance. One of the profit ratios is the return on assets (ROA) ratio. Then the ROA in the previous study was influenced by many factors, while in this study it was seen based on the net performance financing (NPF) ratio, financing to deposit ratio (FDR), and net return (NI). The purpose of the study was to determine the effect of the NPF ratio, FDR ratio, and NI ratio on the ROA ratio. The research population was Islamic banks listed on the Indonesia Stock Exchange (IDX), namely 4 companies with data from the first-fourth quarter of 2021 to the second quarter of 2024. Panel data regression data analysis techniques. The results of the study showed that simultaneously net performance financing (NPF), financing to deposit ratio (FDR), and net return (NI) were significant on the return on assets (ROA) ratio, but partially net performance financing (NPF) did not affect the return on assets (ROA) ratio while financing to deposit ratio (FDR) and net return (NI) were significant on the return on assets (ROA) ratio.

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