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Ferri Alfadri
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JIFTECH: Journal Of Islamic Financial Technology
Published by Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
ISSN : -     EISSN : 28291050     DOI : JIFTECH: Journal Of Islamic Financial Technology
Core Subject : Economy,
Economics, Econometrics & Finance
JIFTECH: Journal Of Islamic Financial Technology is a peer-reviewed journal, a publication on Islamic Financial Technology from research and original writings on Islamic Financial Technology. The journal aims to provide a platform for scientific understanding in the field of Islamic financial technology and has an important role in promoting the process of accumulation of knowledge, Islamic values, skills and the development of science. Scientific manuscript dealing about Islamic financial technology topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries s in Islamic Financial Technology. Specifically, the journal will deal with topics : 1. Islamic Banking Technology 2. Financial Technology 3. Digital Economy Society 4. Inclusive Economy 5. Development Economic Technology
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology" : 7 Documents clear
Factors that Influence MSMEs Using Digital Payments Faizah, Iva; Siregar, Susi Enggana
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.11994

Abstract

study This aim for know factors that influence MSMEs use digital payments ie covers factor barriers and factors supporting Micro, Small and Medium Enterprises in use digital payments. Study This is study qualitative. Data sources used in study This is using primary data and secondary data. Data collection techniques used in study This that is observation, interviews and documentation. Analysis of the data used in study This that is data reduction, data presentation and withdrawal conclusion.Based on results research conducted so can concluded that factors that become MSME supporters use digital payment is a fast and easy digital payment process, the payment process direct recorded in a way comprehensive complete matter This Of course will makes it easier in count activity sales and money direct enter to account trader with safe and also generational young now that's close with gadgets and following exists developments over time with increasingly technology advanced so with easy they understand and use system digital payments now this, and factors barriers that affect MSMEs' use digital payments are lack of knowledge about digital payments so Still choose still use payment cash, often happens disturbance network moment transactions and there are also problems with capital.
SWOT Analysis of The Application of Financial Technology in Mobile Services PT. Bank Syariah Indonesia Alfadri, Ferri; Surya, Eko
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.11996

Abstract

This research is motivated by problems experienced by BSI Mobile service users. BSI Mobile's frequent request time out errors cause transactions to be hampered, causing inconvenience for customers. This research aims to determine the SWOT Analysis of the Application of Financial Technology in Mobile Banking Services at PT Bank Syariah Indonesia KC Padangsidimpuan. This research was analyzed qualitatively descriptively using the SWOT matrix, IFAS (Internal Factor Analysis Summary) matrix and EFAS (External Factor Analysis Summary) matrix.The research results show that the SWOT Analysis of the Application of Financial Technology in Mobile Banking Services at PT. Bank Syariah Indonesia KC. Padangsidimpuan obtained the coordinate point (1.34 : 1.16). So the position of mobile banking services at PT. Bank Syariah Indonesia KC Padangsidimpuan is in Quadrant 1. This is a profitable situation because it can maximize strengths and take advantage of existing opportunities.
Fintech Lending: Threat or Opportunity for Sharia Bank In Indonesia? Aini, Ihdi; Asmadia, Tezi; Agusti, Netta
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.9769

Abstract

Data on the percentage of financing distribution to sharia banks in Indonesia in the last 5 years has experienced quite slow growth compared to the percentage of loan distribution by fintech lending which has experienced very significant growth, reaching 2,390.4% from 2018 to February 2023. The literature shows that there are two opposing views regarding the influence of fintech lending on banking. On the one hand, fintech plays an important role in increasing financial inclusion, while on the other hand fintech also has a major impact on the financial services industry. The aim of this research is to examine the influence of fintech lending on financing at Islamic banks in Indonesia and to analyze the impact of fintech lending on Islamic banks in Indonesia. This study uses a quantitative approach. The type of data used is secondary data taken from the official website of the Financial Services Authority (OJK) in the form of statistical data on sharia banks and fintech lending. The number of samples used was 60 financial report data obtained from sample selection through purposive sampling. The data analysis technique uses descriptive statistical analysis with a linear regression analysis model. The results of this research show that 88.9% of fintech lending has an influence on sharia bank financing in Indonesia. In the sense that fintech lending companies exist as complements or complements to sharia banks in providing financial loans to the public, therefore fintech lending can be an opportunity for collaboration for the sharia banking industry in Indonesia. This collaboration can be carried out using several patterns or models, including cooperation through cross-selling schemes, channeling, references, shadow investors, outsourcing platforms and fintech consortiums.
Perceptions of UIN SYAHADA Padangsidimpuan Students Toward Bank Jago Syariah Mubarok, Arif; Abdul Kader, Fadel Kakkidi; Lubis, Nuraswani
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.12075

Abstract

This research aims to identify and analyze the perceptions of UIN SYAHADA Padangsidimpuan students towards Bank Jago Syariah, a banking institution that operates based on sharia principles. The background to this research focuses on the importance of understanding and accepting sharia banking products and services among the younger generation, especially students who have great potential to become future customers. The discussion of this research is related to perception, with an approach using theories related to Bank Jago Syariah, such as the concept of perception according to Yasir, quoted from Kenneth A. Sereno and Edward M., as a process of receiving and analyzing information related to Bank Jago Syariah. This research method is descriptive qualitative using primary and secondary data. The research subjects were students from the Faculty of Islamic Economics and Business at UIN SYAHADA Padangsidimpuan, with data collection techniques through direct interviews.The research results showed that some students welcomed the presence of Bank Jago Syariah, considering it to have a positive impact, while others did not know about the existence of digital-based Bank Jago Syariah.
The Impact of Online Loans on The Community in Sipirok Sub-District Isa, Muhammad; Siregar, Budi Gautama; Lubis, Aswadi
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.10361

Abstract

The discussion in this study is related to the impact of online lending. Impact on people who do online-based lenajaman. In connection with that, the approach taken is the study and theories of Islamic banking which discusses the impact, online-based loans. This research is a  field research  (direct research in the field) with a qualitative approach. The data sources used are primary data and secondary data, with data collection techniques through observation, interviews, and documentation.The results showed that the factors that cause people in Sipirok District to make  online-based loans, namely the procedure for borrowing money in online-based applications  are  easier to process and faster disbursement of money. The positive of  online-based loans for  people in Sipirok District is that the procedure for borrowing money in online-based applications is  easier to process and quickly disburse money, and their needs or emergency fund needs can be met quickly. While the negative impact is a deduction of administrative money that reaches 30% of the principal money, and an inhumane way of debt collection to consumers who are in arrears of loan installment payments.
Product Marketing Strategy Muamalat Din (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk Kadariah, Siti; binti Noor Azman, Fathi Khalilah
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.10981

Abstract

The purpose of this study is to determine product marketing strategies using Muamalat DIN (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. to find out the obstacles faced by Bank Muamalat Indonesia Tbk KCU Padangsidimpuan in product marketing strategies using Muamalat DIN (Digital Islamic Network). This research is qualitative research with descriptive methods. The subjects of the study were 2 employees and 4 customers. Data collection techniques are obtained from observation, interviews, documentation. While data analysis techniques include data reduction, data presentation, and conclusions. While the technique of checking the validity of data uses triangulation.The results showed that the product marketing strategy uses Muamalat DIN (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan by visiting foundations and the community or prospective customers by conducting direct socialization to introduce products and services available at Bank Muamalat Indonesia Tbk KCU Pangsidimpaun. The obstacle in carrying out marketing strategies from internal factors is the lack of branch offices and crew in marketing strategies while external factors lack customer interest in using it due to age.
Effectiveness of Digital Sharia Pawnshop Services in Increasing The Number of Customers Pegadaian Syariah Alfian, Ian Ian; Siregar, Erpiana
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.11040

Abstract

Technology continues to develop, this is proven by technological advances in the form of applications and online transactions. However, not all technology provides convenience and has a positive impact on its users if not handled properly. Therefore, this thesis aims to reveal the effectiveness of the online services provided by Pegadaian Syariah Siringo-ringo through the Pegadaian Syariah Digital Service (PSDS) Application Service in increasing the number of customers. The background to the problem in this research is that errors often occur in applications and services that do not comply with procedures. The data collection method uses qualitative methods with observation, interviews and documentation.The research results show that this application is largely operating according to its intended use, although it is not yet fully effective in facilitating transactions. This application is not really effective in increasing the number of customers because customers still have minimal knowledge regarding the function of this application. Then the increase in the number of customers did not increase too much, but there continued to be an increase every year, be it gold savings customers, pawnshops, etc.

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