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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 12 Documents
 1   2 
Search results for , issue "vol. 8 no. 1 (2026)" : 12 Documents clear
Efektivitas Pembiayaan Kredit Usaha Rakyat Mikro Syariah pada Bank Syariah Indonesia Terhadap Pengembangan UMKM di Kota Takengon Putra, Ihdina; Hasnita, Nevi; Ridla, Ismail Rasyid
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/xzb0ns60

Abstract

Sharia Micro People's Business Credit (KUR) is an interest-free financing program distributed under Islamic principles with the aim of increasing access to capital, competitiveness, and the growth of micro enterprises. This study aims to determine the effectiveness of Sharia Micro KUR financing at Bank Syariah Indonesia (BSI) in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Takengon City. The research method used is descriptive qualitative with a field study approach through interviews, observations, and documentation. The results show that Sharia Micro KUR financing at BSI is quite effective, in terms of target accuracy, timing, financing amount, credit burden, and procedural ease. This financing has significant impacts on increasing income, customer numbers, product quality, and employment absorption. Thus, Sharia KUR in Takengon City plays an important role in strengthening the MSME sector.
Analisis Pembiayaan Bermasalah Pada Produk Kredit Usaha Rakyat (KUR) Menggunakan Akad Murabahah Pada Bank Syariah Indonesia Kantor Cabang Kota Fajar Kabupaten Aceh Selatan Elfida, Cut; Nasrul, Akmal; Zulhilmi, Muhammad
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/82k1r998

Abstract

Peningkatan jumlah UMKM setiap tahunnya mendorong meningkatnya permintaan Produk Kredit Usaha Rakyat (KUR), namun banyak pelaku UMKM yang mengalami pembiayaan bermasalah. Penelitian ini bertujuan untuk menganalisis pembiayaan bermasalah pada KUR menggunakan akad murabahah pada Bank Syariah Indonesia Cabang Kota Fajar. Metode analisis data menggunakan data kualitatif deskriptif, melalui wawancara langsung dengan informan. Dari hasil penelitian menunjukkan bahwa adanya faktor-faktor penyebab pembiayaan bermasalah yaitu faktor internal dan faktor eksternal. Faktor internal berasal dari BSI KC Kota Fajar antara lain, kurang cermat dalam menganalisis masalah, kurang pengawasan pihak bank, dan sistem operasional yang kurang baik. Sedangkan faktor eksternal berasal dari nasabah baik faktor yang disengaja seperti tidak memiliki itikad baik atau sengaja menunda kewajiban untuk melakukan pembayaran angsuran. Proses penyelesaian pembiayaan bermasalah melalui kunjungan dan musyawarah untuk menanyakan kondisi terlebih dahulu. Apabila nasabah telat bayar perbulannya diperingati SP1 sampai SP3 hingga 3 bulan dan jika nasabah tidak kooperatif maka akan dilakukan cara 3R yaitu, reconditioning, rescheduling, dan restructuring.
Determinan Minat Masyarakat Banda Aceh Untuk Menggunakan Asuransi Syariah Iskandar, Evy; Riza, Akmal; Putri, Indira Arsy
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/zq3f6227

Abstract

Sharia insurance can protect lives, and the insured funds can be utilized for mutual assistance among participants (tabarru’ contract). This study aims to examine the effect of financial literacy, religiosity, and trust on interest in using Sharia insurance among the community in Banda Aceh. The study employs a quantitative method with an empirical approach, and the population and sample consist of residents of Banda Aceh City. The sampling technique used is purposive sampling, with a total of 80 respondents collected through questionnaires distributed via Google Forms. Data were analyzed using multiple linear regression to test the hypotheses with the assistance of IBM Statistics software. The findings indicate that, partially, hypothesis 3 is accepted, showing that the trust variable has a significant effect on interest in Sharia insurance. Meanwhile, hypotheses 1 and 2 are rejected, indicating that financial literacy and religiosity do not have a significant effect on interest in using Sharia insurance.
Analisis Praktik Bisnis Berbasis Digital Melalui Tinjauan Tingkatan Maslahah dalam Ekonomi Islam Mursalmina, Mursalmina
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/c39skb30

Abstract

This research aims to analyze the levels of Maslahah in digital business practices in Indonesia. The research method used is descriptive qualitative with a library research approach. Secondary data sourced from scientific journals and authoritative textbooks were analyzed using content analysis techniques. The results show that the implementation of the Maslahah concept serves as a moral compass to align technological innovation with sharia objectives (Maqashid Sharia). At the Dharuriyyah level, the main focus lies on the protection of the five main foundations (al-kulliyat al-khams). The Hajiyah level is observed through the increase in MSME empowerment, financial inclusion, and flexibility in transactions that eliminates difficulties (masyaqqah) in public economic mobility. Meanwhile, the Tahsiniyyah level relates to the refinement of ethics and aesthetics, such as improving user experience and transparency through blockchain technology.
Halal Image in Product Acceptance: A Comparative Study from Muslim Majority and Minority Countries Azhary, Riza Aulia; Rizkina, Nya’ Soraya
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/pxfrbx46

Abstract

The development of Islamic branding and strategic marketing has skyrocketed over the past decades. Islamic branding companies started to expand their targeted market into the non- Muslim majority countries. This research aims to identify the most significant determinants of brand acceptance and rejection, specifically in Islamic branding, by measuring intention to buy as the determinant of buying behaviour. Utilising the extended theory of Ajzen’s Theory of Planned Behaviour, by measuring the 3 factors constructed by the theory (attitude to behaviour, subjective norm, perceived behavioural control) and the halal image determiner, the research examined the correlation between the four independent variables and the intention to buy. Using quantitative methods and an online questionnaire, the paper found that subjective norm and perceived behavioural control are 2 significant determinants of intention to buy. In addition, based on the sample collected, it is to be noted that there is a significant disparity in the perspective of marketing by being a Muslim and a non-Muslim, as the result showed religion as a significant factor for implementing certain marketing strategies.
Efektivitas Program Bantuan Langsung Tunai (BLT) Kepada Warga Penerima Manfaat di Kelurahan Menteng, Kecamatan Jekan Raya, Kota Palangka Raya Arif; Novianti, Elsa; Pratama, Meycel; Selmai; Yonatan Ari Santoso
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/z9qvjz19

Abstract

This study aims to analyze the effectiveness of the Direct Cash Assistance (BLT) program for beneficiaries in Menteng Village, Jekan Raya District, Palangka Raya City. A descriptive qualitative approach was employed using observation, in-depth interviews, and documentation. The analysis focuses on targeting accuracy, data verification and validation, and the timeliness of aid distribution.The results show that the BLT program has been relatively effective in reducing the economic burden of low-income communities. The use of a decile-based data system and the involvement of neighborhood units (RT) in verification contribute to improved targeting. However, challenges such as data inconsistencies, duplicate beneficiaries, and limited evaluation remain. From a sharia perspective, the program aligns with the principles of justice (‘adl) and public welfare (maslahah). Nevertheless, strengthening transparency, accountability, and data validation is necessary to ensure fair and sustainable distribution in accordance with Islamic economic principles.
Problematika Penerapan Quick Response Code Indonesian Sandard (QRIS) di Aceh (Studi Pada UMKM di Kota Banda Aceh) Israk Ahmadsyah; Jalilah, Jalilah; Renail Rozy
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/5z3vzk85

Abstract

The rapid development of information technology, especially FinTech, has led the dominance of digital finance in Indonesia through digital wallet applications and QR Code. QRIS, the non-cash payment standard of Bank Indonesia, facilitates transactions for consumers and merchants. In Banda Aceh UMKM sector, QRIS is growing rapidly, providing transaction facility but also facing challenges. The study aims to find out how the implementation of the Quick Response Code Indonesian Standard (QRIS) in the Small and Medium Small Enterprises (UMKM) sector in Banda Aceh City is problematic by showcasing the mechanisms of QRIS implementation, its positive impact on UMKM, and the challenges faced. The study uses a qualitative approach with descriptive analysis and the number of informants in the study as many as 17 informants. The research finds that while QRIS has a positive impact, there are barriers such as costs, internet connectivity, application technical problems, as well as a lack of customer improvement and benefits for UMKM. Solutions such as cost subsidies, better internet infrastructure, application updates, efficient time transactions between banks, and educational programmes are needed to address these challenges.
Pengaruh Kepercayaan, Kenyamanan dan Kualitas Layanan terhadap Kepuasan dalam Layanan BYOND by BSI (Studi Pada Pelaku UMKM Kota Banda Aceh) Yulindawati; Eka Octavian Pranata; Raisa Amini , Raisa Amini
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/bf0tqj16

Abstract

The purpose of this study is to test the hypotheses and provide empirical evidence on the influence of Trust, Convenience, and Service Quality on Customer Satisfaction in the BYOND by BSI service. This research utilizes primary data collected through questionnaires distributed to MSME (Micro, Small, and Medium Enterprises) actors who are aware of and use the BYOND by BSI service. The sampling method employed in this study is purposive sampling, with a total of 100 MSME respondents. The analytical method used to test the hypotheses is multiple linear regression analysis using SPSS version 22. The results indicate that Trust and Service Quality have a positive effect on satisfaction with the BYOND by BSI service, whereas Convenience does not have a significant positive effect.
Pengaruh Kemudahan Fasilitas Perbankan, Gaya Hidup dan Kepuasan Terhadap Penggunaan QRIS Sebagai Alat Pembayaran Digital (Studi Kasus Pada Masyarakat Kutacane, Aceh Tenggara) Muhammad, Marwiyati; Latifa, Shafira Melda
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/qv98bn52

Abstract

This study aims to analyze the influence of Banking Facility Convenience, Lifestyle, and Satisfaction on the Use of QRIS as a digital payment method among the community in Kutacane, Southeast Aceh. The research employed a quantitative approach with a survey method. The sample consisted of 100 respondents who used QRIS, and data were collected through questionnaires. The findings indicate that: (1) Banking Facility Convenience has a significant effect on the use of QRIS (B = 0.268; Sig. = 0.002); (2) Lifestyle also significantly affects the use of QRIS (B = 0.214; Sig. = 0.021); and (3) Satisfaction has the most dominant effect on the use of QRIS (B = 0.352; Sig. = 0.000). Simultaneously, the three independent variables significantly influence the use of QRIS, while the remaining variance is explained by other factors not examined in this study. It can be concluded that Banking Facility Convenience, Lifestyle, and Satisfaction have significant effects, both partially and simultaneously, on the use of QRIS.  
Interest in Waqf Among Gen Z: The Role of Technological Literacy and Digital Waqf Innovation Jalaluddin; Insani, Muhammad Fitrah; Khair Juzaili
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/mchcq260

Abstract

The development of digital technology in the modern era has brought significant changes to various aspects of life, including in the field of Islamic philanthropy such as waqf. Generation Z, as the digital generation, has great potential to drive the development of waqf, particularly through the utilization of technology and digital innovation. This study aims to investigate the influence of Technology Literacy and Digital Waqf Innovation on the Interest in Waqf among Generation Z. The study employs a quantitative approach using multiple linear regression analysis and classical assumption tests, conducted on 100 student respondents. Primary data was collected through an online questionnaire. The results indicate that both Technology Literacy and Digital Waqf Innovation have a positive and significant influence on Interest in Waqf, both partially and simultaneously. The coefficient of determination (Adjusted R Square) value of 58.3% indicates that both independent variables contribute strongly to the dependent variable, while the remainder is influenced by other factors not examined in this study. These findings suggest that enhancing understanding of technology and innovation in the management of digital endowments can stimulate interest in endowments among Generation Z.

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