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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 116 Documents
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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.
The Implementation Of Policy In The Restructuring Of Financing In Islamic Banks In The Province Of Aceh, Indonesia Muksal, Muksal; Ayumiati, Ayumiati; Humaira, Annisa
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 6 No. 1 (2024)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v6i1.25567

Abstract

The objective of this study is to investigate the internal policies pertaining to the reconstruction funding of Bank Syariah Indonesia (BSI) in Aceh Province. An examination of qualitative research methodologies through the medium of an interview. The research findings indicate that the bank BSI has effectively executed its policies, which have been deemed favorable. This initiative has significantly alleviated the challenges faced by consumers, particularly Micro, Small, and Medium Enterprises (MSMEs) impacted by the Covid-19 pandemic. It has provided necessary financial support to enable their survival and sustainability beyond the crisis. There are no significant hurdles encountered subsequent to the reconstruction undertaken by the party bank, owing to the implementation of its policies. The implementation of Sharia law has significantly contributed to the improvement of customer financing in the province of Aceh.
ANALYSIS OF CUSTOMER INTEREST AND SERVICE QUALITY IN USE OF MOBILE BANKING ON BANK ACEH SYARIAH KCP KEUTAPANG DUA SERVICE FEATURES Ismuadi, Ismuadi; Shahaqkiki, Shahaqkiki
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.26841

Abstract

Banking services continue to provide updates and improvements. One of the technological advances in business applications is the mobile banking system. This study aims to determine the quality of service in mobile banking at BAS KCP Keutapang Dua, how customer interest in using mobile banking at BAS KCP Keutapang Dua, and how mobile banking is superior compared to other banking products. This study uses a qualitative method. The results of this study explain that the quality of service in the Action Bank Aceh application is very helpful for customers in making transactions, there are many features that meet transaction needs so that customers can quickly navigate the mobile banking application and there is sophisticated security such as two-step verification and data encryption to protect customer information besides that The advantages of mobile banking are fast and efficient transactions. The implications of this study can improve the quality of Bank services, Develop Features that are More Relevant to Customer Needs, More Appropriate Marketing Strategies, Support Digitalization and Inclusion of Sharia Finance and Provide Feedback for Sharia Regulations and Standards.AbstrakLayanan perbankan terus memberikan pembaharuan dan penyempurnaan. Salah satu kemajuan teknologi dalam aplikasi bisnis adalah sistem mobile banking. Penelitian ini bertujuan untuk mengetahui kualitas layanan mobile banking di BAS KCP Keutapang Dua, bagaimana minat nasabah menggunakan mobile banking di BAS KCP Keutapang Dua, dan bagaimana keunggulan mobile banking dibandingkan produk perbankan lainnya. Penelitian ini menggunakan metode kualitatif. Hasil penelitian ini menjelaskan bahwa kualitas layanan pada aplikasi Action Bank Aceh sangat membantu nasabah dalam bertransaksi, terdapat banyak fitur yang memenuhi kebutuhan transaksi sehingga nasabah dapat dengan cepat menavigasi aplikasi mobile banking dan terdapat keamanan yang canggih seperti seperti verifikasi dua langkah dan enkripsi data untuk melindungi informasi nasabah selain itu Keunggulan mobile banking adalah transaksi yang cepat dan efisien. Implikasi dari penelitian ini dapat meningkatkan kualitas layanan Bank, Mengembangkan Fitur yang Lebih Relevan dengan Kebutuhan Nasabah, Strategi Pemasaran yang Lebih Tepat, Mendukung Digitalisasi dan Inklusi Keuangan Syariah serta Memberikan Umpan Balik Terhadap Peraturan dan Standar Syariah.
FACTORS INFLUENCING INTENTION TO DONATE AT THE MOSQUES USING QRIS IN BANDA ACEH Arifin, Muhammad; Meutia, Rachmi; Zakiiya, Ghulaman
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28208

Abstract

Charity is one form of generosity that plays an important role in helping those in need. With the advancement of technology, methods of collecting donations (Sadaqah) have also undergone transformation, one of which is through the use of QRIS (Quick Response Code Indonesian Standard). The use of QRIS in charity offers several advantages, such as convenience, transparency, efficiency, and security. Donors can make contributions quickly and practically by simply scanning a QR code using a digital payment application, without the need to carry cash or perform manual bank transfers. This study aims to examine the influence of financial literacy, perception of benefits and perception of ease on the interest in donating at mosques using QRIS among mosque congregants in Banda Aceh City (Study on Mesjid Raya Baiturrahman, Mesjid Oman Al-Makmur, and Mesjid Jamik Unsyiah). The research method used is quantitative with a multiple linear regression model. The primary data was obtained through questionnaires given to the congregants of these mosques. Partial test results show that these three variables; financial literacy, perception of benefits and perception of ease have positive influence on the interest in donating at the mosque using QRIS in Banda Aceh City. The findings offer insight that although QRIS can enhance mosque donations, it is crucial to address financial literacy and comprehension obstacles to optimize its efficacy for the donors.AbstrakSedekah merupakan salah satu bentuk kedermawanan yang memegang peranan penting dalam membantu mereka yang membutuhkan. Seiring dengan kemajuan teknologi, metode pengumpulan infak (sadaqah) pun mengalami transformasi, salah satunya melalui penggunaan QRIS (Quick Response Code Indonesian Standard). Penggunaan QRIS dalam bersedekah menawarkan beberapa keuntungan, seperti kemudahan, transparansi, efisiensi, dan keamanan. Para donatur dapat memberikan donasi secara cepat dan praktis hanya dengan memproses kode QR menggunakan aplikasi pembayaran digital, tanpa perlu membawa uang tunai atau melakukan transfer bank secara manual. Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, persepsi kemudahan, dan persepsi manfaat terhadap minat berdonasi di masjid menggunakan QRIS pada jamaah masjid di Kota Banda Aceh (Studi di Mesjid Raya Baiturrahman, Mesjid Oman Al-makmur, dan Mesjid Jamik Unyiah). Metode penelitian yang digunakan adalah kuantitatif dengan model regresi linier berganda. Hasil uji parsial menunjukkan bahwa ketiga variabel tersebut; Literasi keuangan, persepsi kemudahan, dan persepsi manfaat berpengaruh terhadap minat berdonasi di masjid menggunakan QRIS di Kota Banda Aceh. Hasil penelitian ini memberikan wawasan bahwa meskipun QRIS dapat meningkatkan donasi masjid, namun kendala literasi dan pemahaman keuangan perlu diatasi agar efektivitasnya dapat optimal bagi para donatur.
Factors That Influence The Performance Of Islamic Bank Employees Muksal, Muksal; Ayumiati, Ayumiati; Maisyura, Annisva
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28243

Abstract

Employee performance is an employee's success in carrying out tasks related to organizational goals both in quantity and quality. This study aims to determine the effect of workload, work environment and work stress on the performance of BSI Banda Aceh employees, either partially or simultaneously. This research method uses a quantitative approach that is correlational. The population is 38 people or all employees of BSI Banda Aceh, while the sample is also 38 employees who are taken by total sampling technique. Data collection techniques using a questionnaire. Based on the results of the study, it is known that the workload and work environment variables have a partial effect on employee performance. While the work stress variable has no partial effect on employee performance.AbstrakKinerja karyawan merupakan keberhasilan karyawan dalam pelaksanaan tugas-tugas yang berhubungan dengan tujuan organisasi baik secara kuantitas maupun kualitas. Penelitian ini bertujuan untuk mengetahui pengaruh beban kerja, lingkungan kerja dan stress kerja terhadap kinerja karyawan PT. Bank Syariah Indonesia Banda Aceh, baik secara parsial maupun simultan. Metode penelitian ini menggunakan pendekatan kuantitatif yang bersifat korelasi. Populasi sebanyak 38 orang atau seluruh karyawan PT. Bank Syariah Indonesia Banda Aceh, sedangkan sampel juga 38 orang karyawan yang diambil dengan teknik total sampling. Teknik pengumpulan data menggunakan kuesioner. Analisa data terdiri dari uji regresi berganda, uji t, uji F dan uji determinasi menggunakan SPSS Versi 26. Berdasarkan hasil penelitian diketahui bahwa variabelbeban kerja dan lingkungan kerja berpengaruh secara parsial terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh. Sedangkan variabel stress kerja tidak berpengaruh secara parsial terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh. Namun secara simultan, variabel beban kerja, lingkungan kerja dan stress kerja berpengaruh terhadap kinerja karyawan Bank Syariah Indonesia Banda Aceh.

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