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EKSYA: Jurnal Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Negeri Mandailing Natal
ISSN : 27468925     EISSN : 27468933     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
EKSYA adalah Jurnal yang diterbitkan oleh Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal dengan scope ekonomi, ekonomi syariah, Hukum Ekonomi Syariah, Perbankan Syariah, keuangan syariah, dan bisnis syariah, Hukum Ekonomi dan Akuntansi Syariah
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 234 Documents
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PERSEPSI NASABAH UNIVERSITAS ISLAM NEGERI SUMATERA UTARA TERHADAP LAYANAN FITUR MOBILE BANKING BSI Askur Hamid Nst
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1179

Abstract

This study aims to determine customer perceptions at the State Islamic University of North Sumatra on the use of feature services in the Bank Syariah Indonesia Mobile Banking application. Previously, making transactions such as transfers, cash withdrawals, and so on, someone had to go to the nearest bank office. With very rapid technology, a bank application is formed where all transactions can be carried out or now called Mobile Banking. provide information on the features contained in BSI mobile banking and customer perceptions of BSI mobile banking users. Of course there is customer satisfaction and dissatisfaction with the services provided by BSI mobile banking but it does not reduce the sense of convenience and logic of mobile banking users.
PERSEPSI MAHASISWA JURUSAN PERBANKAN SYARI'AH UIN SUMATERA UTARA TERHADAP LAYANAN APLIKASI MOBILE BANKING BSI Kiki Andrea Putri Hasibuan; Silvia Anggrie Nst; Dini Lestari; Muhammad Ikhsan Harahap
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1180

Abstract

Customers who are increasingly using digital services are used to and prefer services that are faster, transparent, comprehensive, and can be tailored to user needs. Customer interest is one aspect that can encourage a bank to achieve its goals, so a system is needed that answers the desire to meet the needs of banking services effectively and efficiently. Through the BSI mobile banking application, banks can play a role in meeting customer expectations. Therefore the purpose of this study is to determine the perceptions of Islamic banking students at UIN SU regarding convenience, speed, security, and satisfaction in using the BSI Mobile application. This study uses qualitative methods with data collection techniques through questionnaires and literature studies. The informants in this study were Islamic banking students at UIN SU who used the BSI mobile banking application. The results of this study indicate that students experience ease, speed, security and convenience in using BSI mobile application services.
ANALISIS HUBUNGAN TINGKAT PENDIDIKAN DENGAN PERILAKU KONSUMSI RUMAH TANGGA MASYARAKAT SUMATERA UTARA Devi Fitriya Ningsih; Karmila Tanjung; Dini Lestari
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1182

Abstract

This study aims to examine the analysis of the relationship between educational level and Indonesian household consumption behavior. As in general, the first education of a child passing through the family. And the standard of living is said to be peaceful if the family meets the requirements meet the needs of both physical and spiritual life. Like consumer spending, We also have to pay attention to the costs incurred. Then, the child's education level seen in consumption. The sample of this research is the people of North Sumatra with database in 2021. In this study, the research method used in this study used literature search system.
PERAN DIGITALISASI TEKNOLOGI INFORMASI DALAM PROSES PENGEMBANGAN E-COMMERCE DI ERA 4.0 DAN SOCIETY 5.0 Novitri Ramadhani; Diajeng Regita Nandani; Fachri Arrizki; Nurbaiti
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1183

Abstract

Limited sales activities have prevented a number of industries from developing properly. The size of the mobility and the liberalization of buying and selling, caused several parties to innovate to expand the market. The existence of E-Commerce can be a goal to produce a system that can provide convenience in introducing a product that you want to market. Expanding the reach of market share and ways to increase sales mobility by using ways to build an interactive communication relationship with consumers (customers). The results of the E-Commerce system design are expected to be able to display various information about the products sold by manufacturers. The E-Commerce sales system no longer only focuses on the local community, but can also serve foreign markets because of its unlimited reach through social media. The E-Commerce system makes it easy for visitors, in this case e-Commerce is designed to have a contribution in order to be able to solve problems to provide guaranteed information services that are closer to consumers (customers), display certain messages in providing directions to visitors, prospective buyers can make the order process, payment can be via transfer, cash on delivery and PayPal, and payment confirmation that has been made can be via contact person or via email. This fact can expand the reach of market share and also foster global competitiveness because the sales system is no longer limited to certain regions
ANALISIS TINGKAT LITERASI KEUANGAN SYARIAH PADA RUMAH TANGGA KELUARGA NELAYAN DI KABUPATEN TANJUNG JABUNG BARAT Puja Aprilia; Eja Armaz Hardi; Beid Fitrianova Andriani
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1198

Abstract

So this study aims to determine the level of Islamic financial literacy in fisherman family housewives in Kampung Nelayan Village and to find out what are the obstacles in increasing Islamic financial literacy in Kampung Nelayan Village. This research qualitativemethod. The results of this study indicate that Islamic financial literacy in fisherman family housewives in Kampung Nelayan Village is not literate for aspects of basic Islamic financial knowledge of 22.4%, in terms of aspects of Financial Behavior it is in the less literate category which is equal to 46%, then from the aspect of Attitude Islamic finance is also in the less literate category, namely 28.8%. The obstacles in increasing Islamic financial literacy in Kampung Nelayan Village are the lack of socialization and knowledge education related to Islamic financial literacy and the absence of cooperation between Kampung Nelayan Village and Financial Institutions and the Financial Services Authority or related parties.
PENGARUH PROFITABILITAS, LIKUIDITAS, DAN UKURAN PERUSAHAAN TERHADAP STRUKTUR MODAL DENGAN STRUKTUR AKTIVA SEBAGAI VARIABEL MODERATING Elyanti Rosmanindar; Nurfitri Martaliah; Retno Wulandari
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1208

Abstract

This study aims to determine the effect of profitability, liquidity, and firm size on capital structure with asset structure as a moderating variable. This study uses the independent variable, namely capital structure. The data used in this study is secondary data, namely in the form of financial statements of transportation service companies registered with ISSI of 18 companies during 2016-2021. This research is descriptive with a quantitative approach. The data analysis method used is panel data analysis, model testing, classic assumption test, hypothesis testing, moderating regression analysis. The results of this study indicate that profitability has an effect on capital structure, liquidity has no effect on capital structure, firm size has no effect on capital structure, profitability liquidity and firm size simultaneously have an effect on capital structure, asset structure cannot moderate the relationship between profitability and capital structure, asset structure cannot moderate the relationship between liquidity and capital structure, asset structure cannot moderate the relationship between firm size and capital structure.
PERBANDINGANSISTEM EFISIENSI KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL (Studi kasus Bank Sumut Syariah KCP Stabat dan Bank Sumut KCP. Stabat) Desi Afrida; Diyan Yusri; Anjur Perkasa Alam
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1214

Abstract

The purpose of this research is to find out the Financial Performance of Bank SUMUT Syariah Kcp.stab.To find out the Financial Performance of conventional Banks.To find out the difference between the financial performance of Islamic banks and conventional banks.Field research was used to obtain the data needed in this study, namely by using data collection tools through observation, interviews or structured interviews, and documentation.The data obtained was then processed and analyzed.In this study, qualitative research was used with an analytical description approach, namely by describing the research results obtained through structured interviews on research sources. The results of financial performance research are the results of operational activities which are presented in the form of financial figures. The results of the company's activities for the current period must be compared with financial performance in the past, budget, balance sheet and average profit and loss of the financial performance of similar companies.According to Cashmere, a bank's financial performance is a measure of the success of the bank's directors, so if the bank is bad, it is impossible for the directors to be replaced.The assessment of the company's performance according to management is as follows: To find out the liquidity factor, namely the company's ability to obtain its financial obligations that must be fulfilled immediately or the company's ability to fulfill its finances when billed. To determine the solvency level, namely the company's ability to fulfill its financial obligations if the company isliquidated both short term and long term financial liabilities.To determine the level of profitability and profitability, indicating the company's ability to generate profits for a certain period. To determine the level of business stability, namely the company's ability to conduct business stably, which is measured by considering the company's ability to pay
FAKTOR-FAKTOR YANG MEMPENGARUHI PERILAKU KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN PRODUK ASURANSI JIWA SYARIAH (STUDI KASUS PT. ASURANSI JIWA SYARIAH BUMIPUTERA 1912 CABANG MEDAN) Kahfita Ardana; Fauzi Arif Lubis; Reni Ria Armayani Hasibuan
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1225

Abstract

This study aims to explain the factors that influence consumer behavior towards the decision to purchase sharia life insurance at Bumiputera Sharia Life Insurance. The research method used is a quantitative method. By collecting data using a Likert scale model questionnaire taken from a sample of 95 respondents. In processing research data using the SPSS Release 26.0 For Windows application. Based on the results of the analysis that has been done, the regression equation Y = 0.135 + 0.216+0,294 + 0,309 + 0.197 + e. From the results of statistical analysis it is known that there is a positive and significant effect partially that the four independent variables have a significant effect on the dependent variable. The value of the cultural variable is 2.294, the social variable is 3.058, the personal variable is 2.980, and the psychological variable is 2.339. Then the value >value is 1.98667. Based on the simultaneous F test, the value was 42.994 > 2.47 and a significant 0.000 <0.05. The results of the R correlation test obtained an R value of 0.810, so the R correlation between X and Y variables has a very strong relationship. While the value is 0.656, meaning that 65.6% of purchasing decisions are influenced by cultural factors, social factors, personal factors, and psychological factors, while the remaining 34.4% are influenced by other variables outside this study.
ANALISIS SWOT TERHADAP PROSEDUR KLAIM ASURANSI PRODUK UNIT LINK (STUDI KASUS PADA PT ASURANSI JIWA SYARIAH BUMI PUTERA 1912) Sri Bella Larasaty Yuandra; Nurbaiti; Nurul Jannah
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1226

Abstract

This research is to find out the procedures for filing unit link insurance product claims at PT AJS Bumiputera Medan branch and to find out the SWOT analysis of submitting unit link product insurance claims PT AJS Bumiputera 1912 Medan branch. The formulation of the problem in this study is 1) What is the procedure for submitting unit link product insurance claims at PT AJS Bumiputera? 2) How is the SWOT analysis of the submission of unit link product claims at PT Asuransi Jiwa Syariah Bumiputera Medan Branch. This research uses qualitative methods, and the research approach used is direct research conducted by interviewing companies. In this study the authors used document research by collecting data and information through document archives. And using two data sources, namely primary data and secondary data. This research is that the results of a SWOT analysis of the insurance claim procedure for unit linked products. By using SO, WO, ST, and WT. The procedure provided by the company is very clear and makes it very easy for the insured. Claim procedures can make claims division easier, however, not all participants understand the applicable procedures. Settlement of claims for the company's decision-making process in collaboration with the police to facilitate the claims division with surveys to locations to find facts.
THE ROLE OF PESANTREN IN THE DEVELOPMENT OF SHARIA ECONOMY IN INDONESIA Faisal Affandi; Melda Diana Nasution
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1321

Abstract

Pesantren as one of the oldest educational institutions in Indonesia has an important role in the process of developing Islamic economics in Indonesia. Islamic boarding schools, with their various strategic potentials, deserve to be the locomotive of the Islamic economy. The purpose of this study is to analyse how the role of Islamic boarding schools in the development of Islamic economics in Indonesia. This research is a library research whose data is through library sources and other references related to the role of Islamic boarding schools in efforts to develop Islamic economics in Indonesia. The results showed that, (1) Pesantren is one of the oldest educational institutions that plays an important role as a locomotive of Islamic economics in Indonesia because it was born on the initiative and initiative of Muslim community leaders who are inherent and become an inseparable part of the social system of Indonesian Muslim society, (2) Pesantren can be a pioneer of the people's economy because the commitment of the students in their religion can affect the economic activities carried out by the students and the focus of pesantren activities on Islamic studies can make it a driver of Islamic economics in the community as well as giving birth to young entrepreneurs with Islamic souls, (3) There are three approaches that can be taken to develop pesantren as a centre for the development of Islamic economics and community economics, namely the teaching reform approach, the approach taken by the government and the approach originating from the initiative of private organisations that develop science, (4) Optimisation of all resources owned by pesantren can create a great force in the economy if managed properly.

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