JIHBIZ :Global Journal of Islamic Banking and 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
Articles
116 Documents
<![CDATA[FAKTOR YANG MEMPENGARUHI MINAT MILENIAL DALAM MENGGUNAKAN JASA PEGADAIAN SYARIAH ]]>
<![CDATA[Desiana, Rina]]>;
<![CDATA[Ihsan, Faryal Musnadi]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v5i1.17216
<![CDATA[The presence of sharia pawnshops can also have a positive impact because the main purpose of pawnshops is to help people who are in need of funds so they are free from bondage to bondage practices. The purpose of this research is to find out the Factors Influencing Millennial Interest in Using Sharia Pawnshop Services. This research method uses a quantitative method with data collection techniques by distributing questionnaires to 100 respondents, namely the people of Southwest Aceh Regency who belong to the millennial generation and also sharia pawnshop customers. The partial test results show that the location variable (X1) has no significant effect on millennial interest in using sharia pawnshop services, while the Promotion Variable (X2) and Service Quality (X3) has a significant effect on millennial interest in using sharia pawnshop services. Furthermore, the results of the simultaneous test show that the variables of location, promotion, and service quality jointly affect millennial interest in using sharia pawnshop services]]>
<![CDATA[PENGARUH PEMBIAYAAN MURABAHAH TERHADAP RETURN ON ASSET (ROA) PADA PT. BANK ACEH SYARIAH ]]>
<![CDATA[Fariza, Cut]]>;
<![CDATA[Ayumiati, Ayumiati]]>;
<![CDATA[Muksal, Muksal]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v5i1.17257
<![CDATA[This study aims to determine the Effect of Murabahah Financing on the Profitability of PT. Bank Aceh Syariah (2019-2021 Period) and this research is secondary data based on the results of the monthly financial reports of PT. Bank Aceh Syariah for the 2019-2021 period. This type of research is quantitative research with a simple linear regression analysis method. The results of the t test show that tcount > ttable (2.909> 1.68) and a significance of 0.014 is less than 0.05, meaning that murabaha income has a positive and significant effect on profitability (ROA).]]>
<![CDATA[PENGARUH KEDEKATAN EMOSIONAL DAN KOMITMEN TERHADAP LOYALITAS NASABAH PADA BSI KCP 1 ULEE KARENG BANDA ACEH ]]>
<![CDATA[Khairunnisa, Khairunnisa]]>;
<![CDATA[Inayatillah, Inayatillah]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v5i1.17246
<![CDATA[The Efforts of Islamic Banks to survive in a very competitive market position is to maintain customer loyalty. The study aims to analize the effect of emotional closeness and commitment on customer loyalty with a quantitative approach. The population were all customers of BSI KCP 1 Ulee Kareng Banda Aceh, from which 99 respondens were drawn using purposive sampling technique. Data was analize using multiple linear regression that showed emotional closeness and commitment have no significant effect on customer loyalty either simultaneously or partially. It is hoped that BSI can improve good recriprocal relationships with customers.]]>
<![CDATA[PENERAPAN GREEN BANKING DI LINGKUNGAN BANK MUAMALAT INDONESIA ]]>
<![CDATA[Ria, Desma]]>;
<![CDATA[Fasa, Muhammad Iqbal]]>;
<![CDATA[Suharto, Suharto]]>;
<![CDATA[Fachri, Adib]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v5i1.17195
<![CDATA[The increasing competition of business or industry makes the behavior of businessmen ignore the natural environment. This causes the emergence of seriousness from the corporate world to increasingly involve themselves in activities that can create a positive impact on social and natural environment. In addition to carry out its function as an intermediary institution, the banking industry is also currently required to be involved in suppressing environmental damage because it is considered necessary to adapt interdepedensially to the environment called Green Banking. This research aims to find out how to implement green banking in Bank Muamalat Indonesia environment. This research used qualitative method by impelementing descriptive analysis using secondary data. The results showed that there are two main green banking programs implemented by Bank Muamalat Indonesia, the distribution of environment friendly financing and environment friendly operational activities, respectively.]]>
<![CDATA[ANALISIS SWOT TRANSFORMASI DIGITAL PADA LANSIA DALAM PENGGUNAAN JASA PERBANKAN DI INDONESIA ERA SOCIETY 5.0 ]]>
<![CDATA[Muhammad, Alfian]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v5i1.17303
<![CDATA[The purpose of this study is to answer the problems that occur in the elderly in the use of banking services in Indonesia in the era of society 5.0 by using a SWOT Analysis. This research is a type of library research using a qualitative descriptive approach. After conducting a SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis regarding digital transformation in the elderly in using banking services in Indonesia in the era of society 5.0, it can be concluded that the development of technology in financial institutions has a high level of effectiveness to provide quality banking services to the elderly, but the level of use is still low, because many elderly people do not understand how to use digital services Banking. Preferably, banking companies provide chatbots services for the elderly who want to do digital banking transactions. If an elderly person wants to make transactions using digital banking services, then it can start a conversation with chatbots and all their complaints will be resolved and replied to automatically, although it is unlikely that chatbots will do so to replace banking employees.]]>
<![CDATA[PEMANFAATAN TEKNOLOGI DALAM PENGEMBANGAN PRODUK TABUNGAN DAN PENGARUHNYA TERHADAP PENINGKATAN NASABAH PADA PT. BANK SYARIAH INDONESIA KC ACEH ]]>
<![CDATA[Hasnita, Nevi]]>;
<![CDATA[Fitria, Ana]]>;
<![CDATA[Maidari, Elisa]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v5i1.17196
<![CDATA[Bank Syariah Indonesia’s product development entails the application of technology to the creation of product features for Wadiah and Mudharabah savings products, particularly the online account opening method. The purpose of this study was to establish the form of product feature development implemented by Bank Syariah Indonesia KC Aceh, as well as the impact of product development on client acquisition. This research use descriptive qualitative methodology. According to the findings of the study, Bank Syariah Indonesia’s product development may be categorized as modification and growth of product lines and complementary items. The results also indicate that the creation of this product was successful, as evidenced by the increase in the number of new Bank Syariah Indonesia clients who take advantage of the product's new features. In the first year after the launch of this feature in 2020, the number of customers increased by 15,992 or 96.58% compared to the previous year's total of 8,135 clients. This demonstrates that the usage of technology in Bank Syariah Indonesia’s product development has a favorable influence on customer growth.]]>
<![CDATA[The Implementation Of Policy In The Restructuring Of Financing In Islamic Banks In The Province Of Aceh, Indonesia ]]>
<![CDATA[Muksal, Muksal]]>;
<![CDATA[Ayumiati, Ayumiati]]>;
<![CDATA[Humaira, Annisa]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 1 (2024) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v6i1.25567
<![CDATA[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.]]>
<![CDATA[Implementasi Pelayanan Customer Service Pada Produk Tabungan Di Bank Syariah ]]>
<![CDATA[Safitri, Nova]]>;
<![CDATA[Yulindawati, Yulindawati]]>;
<![CDATA[Mulia, Rika]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 1 (2024) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v6i1.25547
<![CDATA[Customer Service Bank Syariah Indonesia KCP Takengon Sengeda 1 Aceh Tengah selalu berusaha menjalankan perannya dalam membantu nasabah memilih produk tabungan serta memberikan informasi tentang produk-produk tabungan yang ada pada bank. Dan dalam mengatasi komplain nasabah Customer Service menjalankan dengan standar pelayanan yang sudah diterapkan. Tujuan penelitian ini untuk mengetahui peran Customer Service dalam melayani nasabah yang akan menggunakan produk tabungan dan strategi Customer Service mengatasi komplain nasabah. Penelitian ini merupakan pendekatan deskriptif kualitatif, melalui observasi, dokumentasi, dan wawancara dengan Supervisor Customer Service dan Customer Service. Hasil penelitian ini menunjukkan bahwa Bank Syariah Indonesia KCP Takengon Sengeda 1 Aceh Tengah telah mampu memberikan perannya sebagai Customer Service yang baik Customer Service juga membantu nasabah dalam memilih produk tabungan yang akan digunakan dan mengatasi komplain nasabah sesuai dengan standar pelayanan.]]>
<![CDATA[ANALISIS PENGARUH DANA PIHAK KETIGA DAN CAPITAL ADEQUACY RATIO TERHADAP PROFITABILITAS PADA BANK SYARIAH INDONESIA PERIODE 2017 – 2021 ]]>
<![CDATA[Jannah, Khufwatul]]>;
<![CDATA[Hasnita, Nevi]]>;
<![CDATA[Iskandar, Evy]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 2 (2023) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v5i2.25428
<![CDATA[Penelitian ini bertujuan untuk menguji pengaruh Dana Pihak Ketiga dan Capital Adequacy Ratio terhadap profitabilitas pada Bank Syariah Indonesia (BSI) Periode 2017- 2021. Penelitian ini menggunakan pendekatan kuantitatif dari data laporan keuangan di BSI periode 2017-2021. Data diolah dengan SPSS dan dianalisis regresi linear berganda untuk menguji hipotesis penelitian. Berdasarkan hasil pengujian hipotesis dengan tingkat signifikansi 5%, maka secara parsial tidak terdapat pengaruh Dana Pihak Ketiga (DPK) terhadap profitabilitas, sedangkan Capital Adequacy Ratio (CAR) berpengaruh secara parsial dan signifikan terhadap profitabilitas pada BSI periode 2017-2021. Hasil secara simultan kedua variabel DPK dan CAR berpengaruh dan signifikan terhadap profitabilitas pada BSI periode 2017-2021.]]>
<![CDATA[FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT PENGGUNAAN DOMPET DIGITAL DALAM TINJAUAN EKONOMI ISLAM (STUDI PADA MASYARAKAT KOTA BANDA ACEH) ]]>
<![CDATA[Murni, Seri]]>;
<![CDATA[Khairi, Khairi]]>;
<![CDATA[Fitri, Cut Dian]]>
<![CDATA[ Jihbiz: Global Journal of Islamic Banking and Finance Vol 6, No 2 (2024) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah FEBI UIN Ar-Raniry ]]>
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DOI: 10.22373/jihbiz.v6i2.25554
<![CDATA[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]]>
