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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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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 10 Documents
 1 
Search results for , issue "Vol. 7 No. 2 (2025)" : 10 Documents clear
Promoting Islamic Charitable Donations: Insights from Palembang Pranata, Eka Octavian; Sajjad, M; Azra, Uliya; Nabila Fadhilah
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/mgr8yv73

Abstract

This research investigates the impact of influencer marketing and electronic word-of-mouth (eWOM) on Islamic charitable donations in Palembang, Indonesia. Highlighting the significance of zakat, infaq, waqf, and sadaqah, the study employs qualitative methods, including interviews and social media analysis. Findings reveal that authentic influencers enhance trust and drive donor engagement, while eWOM amplifies campaign reach through shared experiences. However, challenges like commercialization and the need for influencer accountability are identified. This research underscores the potential of digital strategies to align with Islamic charitable principles, offering insights for future research and practical applications in promoting Islamic charity.
Pengaruh Literasi Keuangan Syariah, Kemudahan, dan Perilaku Konsumtif Terhadap Minat Masyarakat Aceh dalam Menggunakan Fintech Peer To Peer Lending Syariah Amalia, Zikra; Isnaliana, Isnaliana; Muksal, Muksal; Gunawan, Eddy
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jtpscs14

Abstract

Tujuan penelitian ini adalah untuk menguji hipotesis dan memberikan bukti mengenai Pengaruh Literasi Keuangan Islam, Kenyamanan, dan Perilaku Konsumtif terhadap Minat Masyarakat Aceh dalam Menggunakan Fintech Peer-to-Peer Lending Syariah. Penelitian ini menggunakan data primer dengan menyebarkan kuesioner kepada individu yang mengetahui dan menggunakan Fintech Peer-to-Peer Lending Syariah. Metode pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling. Total sampel berjumlah 80 responden. Metode analisis yang digunakan untuk menguji hipotesis adalah analisis regresi linier berganda dengan menggunakan software SPSS 22. Hasil penelitian menunjukkan bahwa Kenyamanan dan Perilaku Konsumtif berpengaruh positif terhadap minat masyarakat, sedangkan Literasi Keuangan Islam tidak berpengaruh positif terhadap minat masyarakat.Tujuan dari penelitian ini adalah untuk menguji hipotesis dan menghasilkan bukti mengenai Pengaruh Literasi Keuangan Syariah, Kemudahan dan Perilaku Konsumtif Terhadap Minat Masyarakat Aceh Dalam Menggunakan Fintech Peer To Peer Lending Syariah. Penelitian ini menggunakan data primer yaitu menyebarkan kuesioner kepada masyarakat yang mengetahui dan menggunakan Fintech Peer To Peer Lending Syariah. Pengambilan sampel yang digunakan dalam penelitian ini yaitu dengan metode Purposive Sampling. Jumlah masyarakat yang menjadi sampel pada penelitian ini adalah 80 responden. Metode analisis yang digunakan untuk menguji hipotesis adalah analisis regresi linier berganda dengan program SPSS 22. Hasil penelitian menunjukkan bahwa Kemudahan dan Perilaku Konsumtif berpengaruh positif terhadap minat masyarakat, tetapi Literasi Keuangan Syariah tidak berpengaruh positif terhadap minat masyarakat. 
Pengaruh Content Marketing dan Brand Awareness Terhadap Costumer Engagement Ditinjau dari Perspektif Ekonomi Islam Farma, Junia; Natasyrah, Zafira; Ilyas, Fithriady
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/arp7wt21

Abstract

The development of marketing communication has become easier thanks to content marketing and brand awareness strategies, which are widely used by companies. This study aims to analyze the effect of content marketing and brand awareness on customer loyalty of Kopi Memangan in Banda Aceh City from an Islamic economic perspective. The population in this study included all consumers of Kopi Memangan in Banda Aceh City. This research uses quantitative approach. The sample used amounted to 100 respondents with accidental sampling technique. The data analysis technique used is multiple linear regression and hypothesis testing. The results showed that: (1) content marketing and brand awareness simultaneously have a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City; (2) content marketing partially has a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City; and (3) brand awareness also partially has a positive and significant effect on customer commitment of memorable coffee in Banda Aceh City.
Strategy For Developing MSME Through Sharia Microfinance Institutions Riza, Akmal; Arifin, Muhammad; Nazar, Nazar
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ssanfc19

Abstract

Providing access to financing to Micro, Small and Medium Enterprises (MSMEs) carried out by banking financial institutions and microfinance institutions can have a positive impact on the development of MSMEs. The development of MSMEs can be carried out by offering financing products based on sharia principles. This research aims to determine the strategies and obstacles of LKMS Mahirah Muamalah in helping the development of MSMEs in the City of Banda Aceh. This research uses a qualitative descriptive method with field research data collection through interviews, observation and documentation. The research results show that LKMS Mahirah Muamalah carries out 3 types of strategies, namely: information provision strategy, provision of financing products, and service strategy. Then the obstacles faced by LKMS Mahirah Muamalah are divided into 2, namely intern (There is still a lack of human resources/employees, distribution of financing is still limited), as for extern obstacles: There is still minimal public literacy regarding LKMS, weak understanding and management skills of MSMEs
Optimizing Performance: A Dynamic Analysis of Credit Quality, Operational Efficiency, and Their Influence on ROA in Indonesian Islamic Banks Munadiati, Munadiati; Muhammad, Alfian; Yahya, M.; Wulandari, Putri
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/cz9qkp11

Abstract

ABSTRACT This study investigates the influence of key financial management strategies on the Return on Assets (ROA) of Islamic Commercial Banks (ICBs) in Indonesia. The analysis explores the direct and indirect effects of Funding Deposit Ratio (FDR) and Non-Performing Financing (NPF) on ROA, with Operational Costs to Operational Income (BOPO) as a mediating variable. The findings reveal a significant influence of FDR on ICB performance. While a higher FDR leads to lower operational costs, it might also be associated with lower profitability due to deposit interest rates. ICBs need to strike a balance between cost-effective deposits and exploring alternative funding sources. While the direct effect of NPF on ROA is unclear, it significantly impacts profitability indirectly through its influence on operational efficiency. Higher NPF levels can lead to increased costs, potentially reducing ROA. Therefore, effective NPF management is crucial for ICBs. The study further emphasizes the importance of managing operational efficiency (BOPO). Lower BOPO, indicating efficient use of operational income, is directly linked to a higher ROA. ICBs should focus on cost-saving measures and optimizing operational processes to improve efficiency and maximize ROA. Overall, the research highlights the critical role of a holistic approach to financial management in ICBs. By effectively managing FDR, NPF, and BOPO, ICBs can achieve a well-balanced funding structure, minimize bad debt risk, and optimize operational efficiency. Keywords: Islamic Banking, Performance, Credit Quality, Operational Efficiency, and Return on Assets.
Optimization of MACD Indicator Parameters on the Movement of the Indonesia Sharia Stock Index (ISSI): A Technical Approach Based on Historical Data Nanda, Teuku Syifa Fadrizha; Fitria, Ana
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/5tz46p44

Abstract

The Indonesia Sharia Stock Index (ISSI) has shown steady growth, reflecting rising interest in Sharia-compliant investments. However, technical tools like MACD are still underutilized. This study aims to identify the optimal MACD parameter configuration (i.e., the combination of N1, N2, N3) for ISSI movements in order to generate the highest return with measurable risk. A quantitative-exploratory approach was applied using daily closing data of ISSI from 2013 to 2023. A total of 1,152 MACD parameter combinations were systematically tested using Python simulations and subsequently validated through backtesting with Pine Script on the TradingView platform. The performance of each configuration was evaluated based on cumulative return and Sharpe ratio. The findings show that the MACD configuration of (5, 21, 8) produced a cumulative return of 234% over the ten-year period, significantly outperforming the standard configuration, which yielded only 152%. Moreover, the optimal setup achieved a Sharpe ratio of 1.75, indicating superior investment performance in terms of risk-adjusted returns. Interestingly, most of the top-performing MACD configurations consisted of odd numbers. This may be associated with the five-day weekly trading cycle, in which odd-numbered periods such as 5, 7, or 9 days tend to be more responsive to short-term trend shifts. This pattern appears to align with the psychological rhythm of the relatively stable and orderly Sharia market. The study concludes that adjusting MACD parameters to suit specific market characteristics can significantly enhance the effectiveness of technical analysis and investment strategies.
Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Penerima Gaji Pensiun Pada Bank Aceh Syariah  Cabang Blangpidie Fatin Hamama, Febrina; Ridla, Ismail Rasyid
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/84ddz253

Abstract

Literasi keuangan mengacu pada kemampuan atau tingkat pemahaman/ pengetahuan seseorang atau masyarakat tentang bagaimana uang bekerja. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan syariah terhadap tingkat kepercayaan masyarakat kecamatan Peukan Baro kabupaten Pidie pada produk perbankan syariah. Penelitian ini menggunakan pendekatan kuantitatif melalui penyebaran kuesioner kepada 100 responden. Hasil penelitian ini menunjukkan bahwa literasi keuangan syariah berpengaruh secara parsial terhadap tingkat kepercayaan pada produk perbankan syariah. Kata Kunci: Literasi Keuangan Syariah, Kepercayaan, Produk Perbankan Syariah
Peran CAR, FDR, dan BOPO Terhadap Stabilitas Perbankan dengan NPF Sebagai Pemoderasi pada Bank Umum Syariah 2019-2024 Maolana, Dimas Bagus; Rosia, Rina
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/6wkx9c05

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Efficiency Ratio (BOPO) on banking stability with Non-Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia during the period 2019–2024. This research uses a quantitative approach with panel data regression methods based on the annual financial statements of Islamic Commercial Banks registered with the Financial Services Authority (OJK). From a population of 14 banks, 10 banks were selected as samples using purposive sampling. The analysis was conducted using multiple regression with the Moderated Regression Analysis (MRA) test. The analytical tool used was EViews 12 software. The results of the study show that CAR has a significant positive effect on bank stability. FDR has a significant positive effect on bank stability. BOPO has a significant negative effect on bank stability. NPF does not moderate the effect of CAR on bank stability. NPF moderates the effect of FDR on bank stability. NPF does not moderate the effect of BOPO on bank stability.
Analysis of Sharia Financial Literacy, Self-Control, and Deliberative Thinking on the Financial Behavior of MSMEs in Banda Aceh City Siregar, Muhammad Rendhie; Umuri, Khairil; Najla, Najla; Amri, Khoirul
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dt18gb98

Abstract

This study aims to investigate the impact of Islamic financial literacy, self-control, and deliberative thinking on the financial behavior of MSMEs in Banda Aceh City. This study uses quantitative data consisting of primary and secondary data. The sample of this study consisted of 108 respondents, obtained using the Hair formula. Data analysis used the multiple linear regression test method. The results of this study indicate that the variables of Islamic financial literacy, self-control, and deliberative thinking partially influence financial behavior. Then, simultaneously, the variables of Islamic financial literacy, self-control, and deliberative thinking influence financial behavior among MSMEs in Banda Aceh City. Therefore, to improve financial behavior among MSMEs, greater emphasis should be placed on Islamic financial literacy, self-control, and deliberative thinking to help foster more responsible financial behavior.
Analisis Determinan Minat Menabung Aparatur Sipil Negara (ASN) di Kota Banda Aceh Pasca Qanun No.11 Tahun 2018 Tentang Lembaga Keuangan Syariah Yusuf, Muhammad Yasir; Razaaq, Muhammad Miftahul; Maulana, Hafiizh
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/297fje06

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh gaya hidup halal dan literasi keuangan Islam terhadap minat menabung masyarakat di bank syariah, dengan fokus pada Pegawai Negeri Sipil (ASN) Pemerintah Kota Banda Aceh. Variabel dependen dalam penelitian ini adalah minat menabung, sedangkan variabel independennya adalah gaya hidup halal dan literasi keuangan Islam. Penelitian ini memanfaatkan data primer yang dikumpulkan melalui kuesioner yang disebarkan kepada 100 responden baik secara langsung maupun online. Analisis data dilakukan dengan menggunakan metode regresi linier berganda dengan bantuan IBM SPSS Statistics 25. Hasil penelitian menunjukkan bahwa gaya hidup halal memiliki pengaruh positif dan signifikan terhadap minat menabung masyarakat di bank syariah. Begitu pula dengan literasi keuangan Islam juga memiliki pengaruh positif dan signifikan terhadap minat menabung. Secara simultan kedua variabel independen ini memiliki pengaruh positif terhadap minat menabung masyarakat. Oleh karena itu, semakin besar adopsi gaya hidup halal, maka semakin tinggi minat menabung di bank syariah. Selain itu, individu dengan literasi keuangan Islam yang baik cenderung memiliki minat menabung di bank syariah yang lebih tinggi.

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