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​Editorial Office : Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia
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JIMEBIS
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : 2746489X     EISSN : 27745864     DOI : -
Core Subject : Religion, Economy, Science, Social,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
JIMEBIS: Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam is a Scientific Journal of Islamic Economics and Business dedicated for students’ article co-authored with lecturers. The articles published in this journal is based on scientific research done during the study and discuss Islamic economics and business issues including Islamic banking and finance, fintech, and Islamic philanthropy. JIMEBIS will be published periodically for 6 (six) months on May and September each year.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 117 Documents
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Risk Perception Has An Influence On The Decision To Use Action Mobile Banking At Bank Aceh Ammar Fuad; Akmal Riza
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 2 (2024): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/gknbd672

Abstract

The decision of customers to utilize the AcTion Bank Aceh application as an alternative platform for conducting daily and business transactions. This study aims to examine the influence of risk perception on customers’ decisions to use AcTion mobile banking. Using a descriptive quantitative method and accidental sampling of 250 respondents in Aceh, the study tested its hypothesis through simple regression analysis. The study’s results demonstrate that the risk perception variable significantly affects the customer decision to use AcTion Bank Aceh.
The Influence Of Social Media, Lifestyle, And Environment On Student Consumptive Behavior Marwiyati Marwiyati; Cut Elfida; Muhammad Daniel Al Mizan; Mohd Jaisar Raju
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 7 No. 1 (2026): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/t6f8cy67

Abstract

Students often follow trends to gain recognition in their social environment, development of technology and social media has made access to consumption trends easier. This can encourage consumptive behavior, which becomes problematic if done excessively without considering needs and financial capability. This study analyzes the influence of social media, lifestyle, and environment on the consumptive behavior of students in Syiah Kuala District using a quantitative approach with 100 respondents. The results show that social media has no significant effect, while lifestyle and environment do have an effect. Simultaneously, the three variables influence consumptive behavior with a contribution of 55.3%, while the remaining 44.7% is influenced by other factors not examined in this study.
From Knowledge To Performance: How Financial Literacy And Fintech Drive MSME Growth In Banda Aceh Riza Aulia Azhary
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 7 No. 1 (2026): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/pxbxwp28

Abstract

The expansion of MSMEs in Indonesia is crucial for strengthening the national economy, generating employment opportunities, and reducing poverty. Nevertheless, MSMEs face significant challenges, particularly in financial management, accessing funding, and integrating financial technology. In Aceh, despite a growing number of MSMEs, persistent issues such as low financial literacy, restricted access to financing, and minimal adoption of digital payment systems hinder enhancements in business performance. The rise of fintech, particularly Islamic peer-to-peer (P2P) lending and payment gateways, is expected to provide solutions that enhance the financial performance of MSMEs. The objective of this study is to evaluate the hypothesis and provide evidence concerning the influence of financial knowledge, peer-to-peer (p2p) sharia lending, and payment gateways on the financial performance of micro, small, and medium enterprises in Banda Aceh City. This research employs primary data, specifically through the distribution of questionnaires to MSMEs in Banda Aceh City. The sampling technique utilised in this study is purposive sampling. A total of 96 respondents from MSMEs were sampled for this research. The analytical method employed to test the hypothesis is multiple linear regression analysis. The findings indicate that peer-to-peer (p2p) sharia lending and payment gateways have a positive impact on financial performance, whereas financial knowledge does not demonstrate a positive effect on financial performance.
Implemention Of Rahn Tasjily For The Benefit Of The Community Peureulak Pawnshop, East Aceh Jalaluddin Hoessien
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 7 No. 1 (2026): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/1qvmm547

Abstract

The requirements of society will dictate how economic practices develop. Efforts to create the Islamic economy revolve on the idea of maslahah. The central focus of this study is to analyze the current Islamic pawn system and its application of the notion of Rahn within the framework of Islamic law. Rahn, whose root meaning is "to hold," refers to the Islamic tradition of pledging a valued asset as security for a loan. This paper seeks to provide a thorough explanation of Rahn and examine its several applications in modern Islamic pawn institutions. In pawning, an object is pledged as security for a loan, with the understanding that if repayment becomes problematic, the collateral might be sold to cover the amount. One aspect of pawning is rahn tasjili, which is a moveable item that serves as collateral for debt. The rahin retains control over the collateral, which is used to pay off the loan, while the murtahin receives evidence of ownership. Staying safe, putting one's own needs first, and not engaging in acts that go against Islamic law, including usury, are the cornerstones of rahn tasjili. Research in the area was used in this effort. The methods used to gather data were documentation, interviews, and observation. Data reduction, presentation, verification, and collecting were all accomplished via the application of qualitative analytic methodologies
The Influence Of Customer Intimacy, Perceived Usefulness, And Perceived Ease Of Use On Customer Satisfaction In Using Bank Aceh Mobile Banking Maya Azura; Amri; Teuku Muhammad Syahrizal
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 7 No. 1 (2026): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/hhnrz760

Abstract

The purpose of this study is to examine how customer satisfaction with the Mobile Banking Action Bank Aceh application is influenced by customer intimacy, perceived usefulness, and perceived ease of use. 114 respondents who use the Mobile Banking Action Bank Aceh were given questionnaires as part of this study's quantitative survey method. Purposive sampling is the sampling strategy employed, and SPSS version 25 is used to analyze the data using multiple linear regression. The findings demonstrate that customer satisfaction is not significantly impacted by perceived usefulness or customer intimacy. Customer satisfaction, on the other hand, is positively and significantly impacted by perceived ease of use, meaning that the more user-friendly an application is, the more satisfied customers are. Customer intimacy, perceived usefulness, and perceived ease of use all have a substantial simultaneous impact on customer satisfaction. These results show that the most important factor influencing user satisfaction when using the Mobile Banking Action Bank Aceh service is ease of use. Therefore, the bank should continue to prioritize increasing accessibility and user experience in order to raise and sustain customer satisfaction levels.
Emerging Technologies And The Islamic Creative Economy: How Can Ethics And Innovation Work Together? Muhammad Abrar; Cut Meuthia Sari
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 7 No. 1 (2026): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/4y95w547

Abstract

The rapid development of the digital economy and emerging technologies such as Artificial intelligence (AI), blockchain, fintech, and the metaverse has created new opportunities for the growth of the Islamic creative economy. This study examines how these evolving technologies can synergize with Islamic ethical values to support the development of the Islamic creative economy through a bibliometric approach and a review of recent literature. The findings reveal that academic trends show significant growth in the study of the Islamic digital economy, with a particular focus on ethics, inclusion, and sustainability. The integration of maqāṣid al-sharīʿah (ḥifẓ al-dīn, ḥifẓ al-nafs, ḥifẓ al-‘aql, ḥifẓ al-nasl, and ḥifẓ al-māl) has proven to be an essential normative framework in ensuring that digital innovations such as AI, blockchain, fintech, and IoT remain aligned with Islamic values. Emerging technologies play a strategic role in enhancing consumer trust, transparency, and market legitimacy; however, their implementation continues to face challenges related to infrastructure readiness, digital literacy, and adoption costs, particularly for micro, small, and medium enterprises (MSMEs). This study proposes an ethical innovation framework based on maqāṣid al-sharīʿah that emphasizes the balance between commercial and ethical values. The findings highlight that the development of the Islamic creative economy is not solely driven by efficiency and profit but also by social and moral sustainability, thereby contributing to the strengthening of an inclusive and globally competitive Islamic digital ecosystem.
Internalization Of Islamic Educational Values In Sharia Business Ethics Among MSMEs Muhammad Ichsan
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 7 No. 1 (2026): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/st1sv467

Abstract

This study examines the internalization of Islamic educational values in shaping Sharia business ethics among Micro, Small, and Medium Enterprises (MSMEs) from the perspective of Islamic economics. The main issue addressed in this research is the persistent gap between the normative understanding of Islamic values and their practical implementation in MSME business activities, resulting in Sharia business ethics that are not yet fully institutionalized as a sustainable business culture. The objective of this study is to analyze how the internalization process of Islamic educational values contributes to the formation of sustainable Sharia business ethics within MSMEs. This research adopts a qualitative research design utilizing a library research (literature based) methodology with a descriptive analytical approach. The study systematically collects secondary data from a wide range of scholarly sources, including peer-reviewed journal articles, academic books, and authoritative publications related to Islamic education, Sharia business ethics, and Islamic economics. The data analysis is conducted through a content analysis technique, involving systematic reading, coding, categorization, and interpretation of key concepts and theoretical constructs found within the selected literature. This process enables the synthesis of relevant ideas and the identification of conceptual patterns, relationships, and scholarly perspectives. The findings reveal that the internalization of Islamic educational values-such as tawhid (monotheism), amanah (trustworthiness), adl (justice), and ihsan (excellence) serves as the fundamental foundation in shaping ethical, honest, and responsible business behavior. The internalization process occurs through three stages, namely value transformation, value transaction, and value transinternalization, which determine the extent to which these values become embedded in the character of MSME actors. However, in practice, the dominance of profit-oriented behavior often hinders the full implementation of these values consistently in business activities. The study concludes that value internalization is a key determinant in the development of Sharia business ethics among MSMEs. Therefore, strengthening value based Islamic education is strategically essential in building MSMEs that are ethical, sustainable, and oriented toward barakah (divine blessing) and social welfare

Page 12 of 12 | Total Record : 117

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