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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 128 Documents
 9   10   11   12   13 
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.
The Influence of Halal Literacy on Purchasing Decisions of Wardah Products in Banda Aceh City Murni, Seri; Humaira, Humaira Aprilia Yusra
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: 10.22373/2nkj8y88

Abstract

In this era of globalization, many cosmetic products have emerged whose halal status is unknown. Therefore, it is important to conduct research on halal cosmetic products because halal literacy is still low. This study aims to determine the effect of halal literacy on purchasing decisions for Wardah products in Banda Aceh City. This study uses a quantitative approach with a survey method, where data is collected through questionnaires distributed to consumers who use Wardah products. The sampling method used in this study is probability sampling. Simple random sampling, a probability sampling approach, was applied in this study with a sample size of 100 respondents. The analysis technique used in this study is simple linear regression with the help of SPSS software version 25. The results of this study indicate that halal literacy has a significant influence on purchasing decisions for Wardah products in Banda Aceh City by 0.466 or 46.6%. The higher the consumer's halal literacy, the more likely they are to choose products that meet halal standards.
Kendala Bank Syariah dalam Mendukung Pengembangan UMKM Pasca Lahirnya Qanun LKS 11 Tahun 2018 Isnaliana, Isnaliana; Rifa Ul Khairi Fachruddin
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/peqg7n27

Abstract

The implementation of the Islamic Financial Institutions (LKS) Qanun Number 11 of 2018 in Aceh positions Islamic banks as strategic actors in supporting the development of Micro, Small, and Medium Enterprises (MSMEs). However, the implementation of this regulation has not yet fully and optimally impacted the strengthening of MSMEs, particularly in Banda Aceh City. This study aims to analyze in depth the obstacles faced by Bank Aceh Syariah and Bank Syariah Indonesia in supporting MSME development following the issuance of the LKS Qanun. The methodology used was a descriptive qualitative approach with field research. Data were collected through semi-structured interviews with bank representatives, and documentation studies, then analyzed using data reduction, data presentation, and conclusion drawing techniques. The results of the study indicate that although MSME financing has increased, Islamic banks still face various obstacles, particularly in the aspects of human resource development and marketing. These obstacles include the lack of an integrated MSME Center, weak mapping and clustering of MSMEs, limited business mentoring, minimal cross-institutional collaboration, and limited MSME involvement in promotional events. These findings indicate that the role of Islamic banks is still predominantly in financial intermediation, not fully implementing its MSME empowerment function comprehensively. Therefore, strengthening institutional and collaborative strategies is key to optimizing the implementation of the Qanun LKS and promoting MSMEs as a main pillar of the Acehnese economy.

Page 13 of 13 | Total Record : 128

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