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Program Studi Perbankan Syariah - Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh Jln. Syaikh Abdur Rauf Banda Aceh 23111, Aceh, Indonesia
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INDONESIA
JIHBIZ :Global Journal of Islamic Banking and Finance.
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : -     EISSN : 26848554     DOI : 10.22373/jihbiz
Core Subject : Economy,
Economics, Econometrics & Finance
Jihbiz : Global Journal of Islamic Banking and Finance publishes research articles of interest to Islamic Banking, Insurance/ Takaful, Islamic Accounting, Business Ethics and Legal Issues, Work Ethics, Islamic Work Ethics, Islamic Corporate Social Responsibility, Islamic Financial management, Islamic Business management, Islamic Consumer behavior, Islamic Marketing management and strategies, Innovation and product development
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 7 Documents
 1 
Search results for , issue "Vol. 6 No. 2 (2024)" : 7 Documents clear
ANALISIS PEMANFAATAN PRODUK PEMBIAYAAN PENSIUN PADA BANK SYARIAH DI INDONESIA Artanoga, Fawwaz; Inayatillah, Inayatillah; Mulia, Rika
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25550

Abstract

This research aims to determine the utilization of pension financing at Bank Syariah Indonesia (BSI) in Aceh Tengah, Aceh Province. This research uses descriptive qualitative research methods. Interviews was conducted to collect facts, data or material objects which are not in the form of a series of numbers, but rather expressions in the form of language or discourse (whatever the form) through appropriate and systematic interpretation. it can be concluded that the BSI financing mechanism for pensions at one of their branch  in Aceh Tengah has demonstrated that activities are carried out in accordance with the established mechanism. There are customers who use pension financing for both productive and consumptive purposes.
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN KEPEMILIKAN RUMAH BERSUBSIDI SYARIAH PADA BANK ACEH SYARIAH CABANG JEURAM Ridla Tarigan, Ismail Rasyid; Zahidi, Mohd; Ahmadsyah, Israk
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25551

Abstract

Risk in Subsidized Home Ownership Financing occurs when customers have difficulty paying financing due to irregular income. Therefore, the longer the financing period, the risk borne by the bank will increase. This study aims to analyze the application of risk management in preventing potential losses due to the large number of customers with irregular income. The method used is qualitative with a descriptive approach. Researchers used two data sources, namely primary data and secondary data. The results showed that the house could be built after going through the mechanism established by Bank Aceh Syariah Jeuram Branch. The application of risk management is carried out by analyzing 5C + 1S (Character, Capacity, Capital, Collateral, Condition of economy, and Sharia Compliance) due to differences in payment mechanisms and income receipts between customers with fixed and irregular income. Obstacles occur when Subsidized PKR customers want to apply for financing without meeting the requirements or do a murabaha contract before the house is ready to be occupied, so the bank needs to explain transparently so that risk management runs smoothly. Thus, overall risk management at Bank Aceh Syariah is in accordance with the DSN-MUI fatwa which is supervised by the Sharia Supervisory Board.
ANALISIS PELAKSANAAN PRINSIP GOOD CORPORATE GOVERNANCE DALAM PERSPEKTIF ISLAM (STUDI KASUS PADA BANK SUMUT SYARIAH KCP KARYA) Pulungan, Rahmat Rizki; Sabila, Sarah; Ardiah, Inayah; Daulay, M. Iqbal
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25552

Abstract

This research is aimed at analyzing the implementation of good corporate governance principles from the perspective of Islamic law. This type of research is field research with a descriptive qualitative approach. This research was conducted at Bank Sumut Syariah KCP Karya. The methods used are interviews and documentation. The results of this research indicate that the implementation of the principles of good corporate governance at Bank Sumut Syariah KCP Karya is in accordance with the perspective of Islamic law. The principle of transparency is in accordance with QS. al-Baqarah verses 188 and 282, the principle of accountability in accordance with QS. al-Baqarah verse 197 and QS. an-Nisa verse 58, the principle of compliance in accordance with QS. al-Mudatsir verse 38, the principle of independence is in accordance with the hadith narrated by Abu Ya'la and authenticated by Albani and the principle of equality is in accordance with the QS. an-Nahl verse 90.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT PENGGUNAAN DOMPET DIGITAL DALAM TINJAUAN EKONOMI ISLAM (STUDI PADA MASYARAKAT KOTA BANDA ACEH) Murni, Seri; Khairi, Khairi; Fitri, Cut Dian
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25554

Abstract

Currently, the use and use of digital wallets is widespread in almost all circles, including the people of Banda Aceh City. The use and utilization of this digital wallet cannot be separated from the factors of security, convenience and sharia compliance. This research aims to determine the influence of security, convenience and sharia compliance factors on the interest of the people of Banda Aceh City in using digital wallets. This research uses quantitative research where samples are taken using a cluster sampling technique from 99 people in the city of Banda Aceh. The data analysis method uses multiple linear regression analysis assisted by SPSS version 24. From the research findings, it can be concluded that (1) the security variable influences people's interest in using digital wallets, (2) the convenience variable influences people's interest in using wallets. digital, (3) the variable of sharia compliance influences people's interest in using digital wallets, and (4) simultaneously the variables of security, convenience and sharia compliance influence people's interest in using digital wallets
MEKANISME DAN PROSEDUR PENDIRIAN KOPERASI SYARIAH PERSPEKTIF ISLAM Latifah, Yunita Shindi; Adjie Pambudi, Vito Pria; Sulistyowati, Sulistyowati
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25556

Abstract

This research aims to analyze the mechanisms and procedures for establishing sharia cooperatives from an Islamic perspective.  The research method used is qualitative with a focus on literature studies as the main source.  The data collection process involves searching and selecting relevant references from various information sources such as journal articles, digital libraries, and scientific publications.  The collected data is then analyzed to identify relevant research findings and evaluate their suitability and relevance to the research objectives.  The results of the discussion show that sharia cooperatives are economic entities that combine the principles of Islamic sharia with cooperative activities, with an emphasis on the prohibition of usury, the principles of justice, and the concept of togetherness.  The procedure for establishing a sharia cooperative includes the formation of a management body, preparation of articles of association, formation of management, and official registration of the cooperative.  From an Islamic perspective, sharia cooperatives play a role in realizing the values of justice, togetherness and social welfare in economic activities, as well as strengthening solidarity and collaboration in society.  This research provides valuable insight into the mechanisms and procedures for establishing sharia cooperatives in accordance with Islamic principles.
DOES SHARIAH FINTECH CARRIES MORE ETHICAL IMPACTS THAN SHARIAH BANKS: GLOBAL INDEX ANALYSIS ON INDONESIAN INDUSTRY Bin-Armia, Muhammad Syauqi
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25565

Abstract

This article provides an analysis of Indonesia’s Shariah Fintech industry’s ethical impacts agaisnt Shariah banks, particularly from a global index point of view. The Shariah fintech industry experienced enormous development, particularly in the post-pandemic era with a holistic impact socially and ethically. Meanwhile, the Sharia banking industry did not have sufficient impacts on society. Does this mean that Shariah fintech has more ethical impacts and received wider acceptance, particularly those are categorised as unbanked and underbanked entrepreneurs?  Hence, the study will be qualitatively analysed using the global index approach in order to find the result. The research adopted the library research approach and used the published and research articles as secondary data alongside the analysis. The study concluded that Shariah fintech successfully contributed ethically to society, particularly for those who were grouped as unbanked categories. Shariah banks should hands-in-hand with the Shariah fintech to create a more impactful business ecosystem and meaningful collaboration with marginalised enterprises.
DAMPAK GENERASI Z SERTA KEPUTUSAN MENGGUNAKAN BSI MOBILE Ulfa, Riski Walidaini; Djakfar, Inayatillah; Riza, Akmal
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i2.25566

Abstract

This research aims to determine the influence of understanding products and service features on decisions Gen-Z to use BSI Mobile. Using quantitative methods with a descriptive approach, and the research sample was obtained 100 respondents using a cluster random sampling technique from Generation Z in Banda Aceh city who used BSI Mobile. Then, based on multiple linear regression analysis, the result were obtained that the variables of product understanding and service features had a positive and significant effect on the decision to use BSI Mobile.

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