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Ferri Alfadri
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feri@uinsyahada.ac.id
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+6281262408535
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feri@uinsyahada.ac.id
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JL. T. Rizal Nurdin Km 4,5 Sihitang Kota Padangsidimpuan 22733
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INDONESIA
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 6 Documents
 1 
Search results for , issue "Vol 3, No 1 (2024): JIFTECH : Journal Of Islamic Financial Technology" : 6 Documents clear
Implementation of Financial Technology In a QRIS Based Payment System Alfadri, Ferri; Dalimunthe, Ayu Rahmadani; Maarif, muhammad Ariful
Journal of Islamic Financial Technology Vol 3, No 1 (2024): 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.v3i1.12642

Abstract

Study This aim For know Implementation financial technology in system payment based Qris at Bank Muamalat KCU Padangsidimpuan. Study This is Study qualitative in nature descriptive. With technique data collection uses method interviews, observation and documentation with primary data. Data analysis carried out in research This qualitative descriptive work is done with interview direct with give question to informants (Customers and Employees of Bank Muamalat KCU Padangsidimpuan).Research result This can concluded that How Implementation financial technology in system payment based Qris at Bank Muamalat KCU Padangsidimpuan its implementation has in accordance with what has been determined by Bank Indonesia. Until so far This For system payment Qris Already someone joins Become a Merchant at Bank Muamalat. But for individual merchants Not yet someone uses it payment the while the Merchant has a body law Already There is. And Merchants who have join with Bank Muamalat KCU Padangsidimpuan Already fulfil suitability object  based on Islamic law.
The Mismatch Between Macroeconomic Stability and Declining Stock Performance of Digital Banks in Indonesia: An Empirical Study of 2022-2023 Arif, Muhammad; Sovia, Annida Karima
Journal of Islamic Financial Technology Vol 3, No 1 (2024): 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.v3i1.12602

Abstract

This study examines the mismatch between macroeconomic stability and the stock performance of digital banks in Indonesia over the period 2022-2023. The results of the analysis show that the USD/IDR exchange rate and Bank Indonesia interest rate have a significant negative effect on stock prices, while inflation shows no significant effect. These findings suggest that despite stable macroeconomic conditions, the share prices of digital banks experienced a significant decline, indicating market inefficiencies. This study makes a theoretical contribution by revealing the role of exchange rate and interest rate fluctuations in influencing the stock performance of digital banks in emerging markets. In conclusion, factors such as investor sentiment, market behavior, and the influence of digital financial technology need to be taken into account in developing strategies to support the stability and growth of the digital banking sector in Indonesia. The results of this study are important for policymakers, regulators, and market participants in dealing with the challenges faced by the digital banking sector in Indonesia. Keywords Digital banking, macroeconomic stability, stock performance, market inefficiency.
PENGARUH KEPEMILIKAN APLIKASI MOBILE BANKING DAN GAYA HIDUP TERHADAP PERILAKU KONSUMTIF DI KALANGAN MAHASISWA viola, syarifah viola; hamid, azwar hamid; lestari, sry lestari
Journal of Islamic Financial Technology Vol 3, No 1 (2024): 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.v3i1.12302

Abstract

Perkembangan aplikasi mobile banking dan gaya hidup di Indonesia bisa menjadi faktor penting bagi perkembangan industri perbankan di Indonesia. Peningkatan gaya hidup mahasiswa mampu mendorong pertumbuhan pangsa pasar industri perbankan. Mahasiswa sering dianggap sebagai kelompok yang paling melek teknologi karena mereka tumbuh dan belajar di era digital. Rumusan masalah dalam penelitian ini adalah apakah terdapat pengaruh kepemilikan aplikasi mobile banking dan gaya hidup terhadap perilaku konsumtif di kalangan mahasiswa. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh kepemilikan aplikasi mobile banking dan gaya hidup secara parsial dan secara simultan terhadap perilaku konsumtif di kalangann mahasiswa. Metodologi penelitian yang digunakan adalah pendekatan kuantitatif dengan metode survei. Populasi penelitian ini adalah seluruh mahasiswa aktif di Kota Padangsidimpuan dengan sampel sebanyak 100 mahasiswa. Teknik pengambilan sampel menggunakan sampling insidental. Teknik pengumpulan data menggunakan kuesioner dan kemudian pengolahan data menggunakan software SPSS versi 26.0. Analisis data menggunakan regresi linear berganda. Hasil penelitian menunjukkan tidak terdapat pengaruh signifikan kepemilikan aplikasi mobile banking terhadap perilaku konsumtif di kalangan mahasiswa, hal ini dibuktikan dengan nilai sebesar 0,313 0,05 dan nilai thitung 1.014 ttabel 1.984. Sedangkan gaya hidup berpengaruh signifikan terhadap perilaku konsumtif di kalangan mahasiswa, hal ini dibuktikan dengan nilai signifikansi yaitu sebesar 0,000 0,05 dan nilai thitung 9.560 ttabel 1.984. Kepemilikan aplikasi mobile banking dan gaya hidup berpengaruh signifikan terhadap perilaku konsumtif di kalangan mahasiswa, dibuktikan dengan nilai koefisien determinasi 0,598 atau 59.8%, sedangkan sisanya dipengaruhi oleh variabel lain. Dengan demikian, kepemilikan aplikasi mobile banking dan gaya hidup berpengaruh positif terhadap perilaku konsumtif di kalangan mahasiswa. Kata kunci: Aplikasi Mobile Banking, Gaya Hidup, Perilaku Konsumtif
Analysis of the Influence of Mobile Banking on the Profitability Level of Sharia Banks in Indonesia in 2019-2023 Sari, Indah; Siregar, Fitri Ana
Journal of Islamic Financial Technology Vol 3, No 1 (2024): 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.v3i1.11687

Abstract

The aim of this research is to determine the effect of mobile banking on the level of Return On Assets (ROA) of Islamic banks in Indonesia in 2019-2023. The rise and fall of ROA is caused by unstable profits and total assets. This research uses quantitative research, and the data source uses secondary data in the form of a time series of 20 samples. Data analysis techniques use descriptive statistical test techniques, normality test, hypothesis test (t test), coefficient of determination test (R Square), and simple linear regression analysis. Data processing uses the SPSS Version 23 program. The research results show that the mobile banking variable has a partial effect on the profitability of Islamic banks in Indonesia in 2019-2023. This can be proven by the results of the t test analysis showing that the e-banking variable has t count gt; t table, thus e-banking has an effect on the profitability of Islamic banks in Indonesia in 2019-2023.Keywords: Mobile Banking, Profitability
THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL INCLUSION AND FINANCIAL TECHNOLOGY ON THE FINANCIAL PERFORMANCE OF UMKM IN PADANGSIDIMPUAN CITY Pulungan, Ismail
Journal of Islamic Financial Technology Vol 3, No 1 (2024): 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.v3i1.14445

Abstract

Financial performance problems in Micro, Small and Medium Enterprises (MSMEs) are generally related to the lack of management capabilities in managing working capital, which causes difficulties in measuring financial performance. Several factors that affect the financial performance of MSMEs include the quality of financial reports, financial literacy, financial inclusion and financial technology . The discussion of this study is related to the field of MSME financial performance science in relation to the theory that financial literacy affects the financial performance of MSMEs, financial inclusion affects the financial performance of MSMEs as well as Financial technology affects the financial performance of MSMEs. This research is a quantitative study. The data collection instrument uses a questionnaire with a sample size of 100 MSMEs. The analysis tools used are validity tests, reliability tests, classical assumption test analysis, multiple linear regression and hypothesis tests. The results of the study show that financial literacy (X1) affects the financial performance of MSMEs (Y). The financial inclusion variable (X2) does not affect the financial performance of MSMEs (Y). The financial technology variable (X3) affects the financial performance of MSMEs (Y). Meanwhile, simultaneously, the variables of financial literacy (X1), financial inclusion (X2) and financial technology (X3) have an effect on the financial performance of MSMEs (Y).
Tokenization of Dinar and Dirham: Potential and Implications in the Islamic Digital Financial System Hutagalung, Muhammad Wandisyah R; Majid, M. Shabri Abd; Harahap, Isnaini
Journal of Islamic Financial Technology Vol 3, No 1 (2024): 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.v3i1.12353

Abstract

In the era of digitalization, the Islamic community faces challenges in integrating modern technology with Shariah principles in financial transactions. This study explores the potential and implications of tokenizing Dinar and Dirham within the Islamic digital financial system. Dinar and Dirham, currencies made of precious metals, can be tokenized using blockchain technology, enabling faster, more secure, and transparent transactions. Tokenization offers benefits such as transparency, security, efficiency, and financial inclusion, which are crucial in Islamic financial principles. However, the main challenges include regulation, Shariah compliance, technological infrastructure, and public awareness and education. Case studies from Dubai and Saudi Arabia demonstrate efforts and successes in asset tokenization. This study concludes that tokenization of Dinar and Dirham has significant potential to address the challenges of digitalization in Islamic finance, but requires collaboration among governments, financial institutions, and communities. Further research is needed to understand the long-term impact and practical application of tokenization in the Islamic financial system. 

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