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JIFTECH: Journal Of Islamic Financial Technology

jiftech
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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 52 Documents

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Financial Performance Analysis at PT. Bank Syariah Mandiri With Method Economic Value Adde (Eva) Hardana, Ali; Royani, Ida; Situmorang, Indah Sari; Ariyanda, Bima
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

PT. Bank Syariah Mandiri in the 2017-2019 period had a continuous increase in profit value, but from this value PT. Bank Syariah Mandiri has not been able to show the added economic value generated, because the profits obtained have not been deducted from the capital owned by PT. Mandiri Syariah Bank. This research is a quantitative research, using secondary data. The data used is time series data for 2017-2019 published by PT. Bank Syariah Mandiri through its official website, namely www.mandirisyariah.co.id . And analyzed using the Economic Value Added (EVA) method. Based on the results of research conducted by researchers, researchers concluded that PT. Bank Syariah Mandiri succeeded in creating economic added value, where overall in 2017-2019 the Economic Value Added (EVA) 0, and that means PT. Bank Syariah Mandiri obtained a positive Economic Value Added (EVA). And it's good that the results obtained with the EVA method are included in the bank's financial statements so that those who need financial reports can see the added value generated by the company.Keywords: Islamic Bank, Economic Value Added (EVA), Financial Performance

Causality Analysis and Cointegration Between Mudharabah Financing and Return On Assets In Sharia Business Units Year 2016-2019 Lubis, Delima Sari; Matondang, Zulaikha; Siregar, Hera Rusliani
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

In increasing profitability, Islamic banks can take advantage of productive assets in the form of financing. One of them is mudharabah financing, the higher the mudharabah financing , the higher the level of profitability of Islamic banks. However, based on data on mudharabah financing with return on assets obtained from the financial services authority, the amount of mudharabah financing always increases every year during the 2016-2019 period. Meanwhile, the percentage of return on assets decreased during that period. The purpose of this research is to find out whether the two variables influence each other or not . The research method is correlation analysis with data analysis techniques used, namely descriptive, normality test, stationary test, lag test, Granger causality test, cointegration test, vector autoregretion (VAR) model test, Impulse Response Function (IRF) test, and Variance Decomposition test. (VD) which is processed using Eviews 10. The results obtained from the causality test are that there is a one-way relationship between Mudharabah Financing and Return On Assets with a probability value of 0.0326 0.05 , but there is no causal relationship between Return On Assets and mudharabah financing.

Phenomenological Study Of Borrower Peer To Peer Lending Students at UIN SYAHADA Padangsidimpuan Hutagalung, Muhammad Wandisyah R.; Siregar, Erpiana; Pohan, Zulhedly
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The emergence of the phenomenon of students becoming peer to peer lending borrowers who think that peer to peer lending is a solution for students who cannot access banking to be able to receive loans both to meet needs and capital assistance to start a business. Thus encouraging this research to be aimed at describing the phenomena that exist in the field so that the reasons, experiences and meanings and contents can be interpreted more deeply for UIN SYAHADA Padangsidimpuan students who become peer to peer lending borrowers. This study uses a qualitative descriptive research method with a phenomenological paradigm. Sources of data used in this study is primary data which in data collection is done by in-depth interviews, observation, and documentation. The results of the study found that the reasons for students to become peer to peer lending borrowers were driven by rational factors and emotional factors, and the student's experience while being a peer to peer lending borrower consisted of pleasant experiences and unpleasant experiences, then meaning that students became peer to peer lending borrowers, namely economic meaning The meaning is constructed based on what has been seen, heard, and felt through his experience as a borrower.

Factors That Influence Community Interest In Using E-Money Qodar, Muhammad Ali; Rahmatiyah, Isna Nor; Hana, Kharis Fadlullah
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

E-money in Indonesia can be said to be the slowest compared to other countries such as Hong Kong and Singapore. In Indonesia, E-Money itself was only known by the public in 2007, while in other countries such as Hogkong and Singapore, E-Money is already familiar with E-Money compared to Indonesia. The purpose of this study is to reveal what factors make people interested in using E-Money. This research uses a descriptive qualitative method. By using the interview method. Collecting data through interviews with the people of Kudus city who use E-Money. The results of this study reveal that people use E-Money seen from factors such as convenience, security, trust, and service features that have a very positive effect on the use of E-Money in the Kudus city community. The conclusions of this study indicate that interest in using E-Money is influenced by the factors of Ease, Trust, Security, and Service Features. The most influential of the four factors is the ease of using E-Money.. Keywords: Interests Using E-Money, E-Money, Ease Factor

Determinants Of Interest To Pay Zakat Through Sharia Mobile Banking Alfadri, Ferri; Yarham, M; Siregar, Ardiansyah
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The bank provides zakat payment services through mobile banking to meet the needs of conducting banking transactions. The people of the new Sitamiang sub-district, Padangsidimpuan City, still do not use the mobile banking application . The purpose of this study was to determine the interest in paying zakat through mobile banking based on perceptions of convenience, perceived usefulness, perceptions of trust in the people of Sitamiang Baru Village, Padangsidimpuan City. This research is a quantitative research. The data source used is primary data. The data collection technique used is a questionnaire with a sample of 98 people. Data processing using SPSS 25 application. The analysis technique used is multiple linear regression analysis. Partial research results states that the convenience variable has no effect on the interest in paying zakat through mobile banking . Usefulness has no effect on interest in paying zakat through mobile banking. Trust has an effect on interest in paying zakat through mobile banking. While the variables of convenience, usability and trust have a simultaneous influence on the interest in paying zakat through mobile banking in the people of Sitamiang Baru Village .Keywords: Interest, Zakat, Mobile Banking, Perception

The Effect Of Inflation Level And Bi-7 Day Repo Rate On Mudhrabah Deposits In Sharia Commercial Banks Period 2017-2019 Siregar, Budi Gautama; Izzah, Nurul; Batubara, Damri; Sari, Novita
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

This research is motivated by the Inflation Rate and Bi-7 Day Repo Rate Against Mudharbah Deposits at Islamic Commercial Banks for the 2017-2019 Period. Total assets of Islamic banking reached 5.18% of total assets nationally, Indonesia was only able to rank 9th out of 10 other Islamic countries. This study aims to determine the effect of inflation rate and bi-7 day repo rate on mudhar bah deposits . Sharia Commercial Banks for the 2017-2019 Period. The method used in this study is quantitative, with the research location at Islamic Commercial Banks. The sampling in this study uses purposive sampling with a sample of 36 samples, the data analysis technique used is multiple regression analysis with t test to see the effect partially and f-test to see the effect simultaneously, assisted by using software SPSS 22.00. The results obtained in this study indicate that based on the partial test (t test) inflation does not have a significant effect on Mudhar bah deposits while the partial test (t test) and simultaneous test (F test) are inflation variables and Bi-7 Day Repo Rate has a significant effect on the Mudhar bah deposit variable at Islamic Commercial Banks 2017-2019.Keywords: Bi-7 Day Repo Rate , Mudharabah Deposits , Inflation

Determinants Of Decisions To Use Islamic Bank Mobile Banking Services Saleh, Idris; Kadariah, Siti; Dewi, Indah Purnama
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The facts in the field, there are a number of customers who do not use Mobile Banking services, the problem is that banks have provided services but customers do not use Mobile Banking services and prefer manual transactions. This study aims to determine the effect of perceived ease of use, knowledge, and trust on the decision to use Islamic bank Mobile Banking services. The research discussion relates to banking services, namely services that discuss ease of use, knowledge, trust and decisions to use Islamic bank Mobile Banking services. This research is a quantitative research with multiple linear regression analysis, the data source used is primary data through questionnaires. The population of this study was the Padangsidimpuan community, the sample in this study used an accidental sampling technique, with 98 respondents. knowledge and trust have an influence on decisions to use Mobile Banking services. And simultaneously (F test) ease of use, trust and knowledge have a significant influence on the decision to use Mobile Banking services.Keywords: Determinant, Decision, Mobile Banking Service

Public Attitude To Online Loans Alfadri, Ferri; Aini, Nur; Siregar, Lismayanti
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

With the ease of Peer to Peer Financial Technology (Fintech), it is easier for the community to obtain loan funding assistance. However, this convenience is inseparable from the various problems that occur, such as the many types of loans that are fraudulent or unlicensed (illegal), the spread of personal data and various other things. Thus, this research was conducted to determine people's attitudes towards online loans.This type of research is field research with a qualitative approach. The source of the research data is the community of the Sidimpuan Baru Complex, Silandit Village, South Padangsidimpuan District as many as 10 people. Data was collected by observation and interviews with research informants. The results showed that the informants (debtors) knew well. Informants actively use online loan services because of the ease of the requirements provided, guarantees for the privacy of the borrower's personal data, and feel helped by online loan services. Keywords: Community Attitude, Online Loans, Peer to Peer Lending

Marketing Strategy Analysis Of Back To Back Financing Products In Attracting Customers' Interest In Bank Muamalat Kcu Padangsidimpuan Saleh, Idris; Zahra, Rizky Amelia; Afifah, Nurul
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

This research is motivated by a lot of competition between banks and other financial institutions in attracting customers so that it can increase the number of customers. And one way is to implement a 7 P marketing strategy, namely Product, Price, Place, Promotion, People, Process , and Physical Evidence . The purpose of this study was to determine the marketing strategy of back to back financing products in an effort to attract customers' interest at Bank Muamalat KCU Padangsidimpuan . This research is a type of field research (Field Research). with a qualitative approach. This study uses triangulation techniques in the process of checking the validity of the data. The results of this study indicate that the marketing strategy of back to back financing products carried out by Bank Muamalat KCU Padangsidimpuan is an effective strategy applied, especially promotion because it can increase public knowledge about the product.Keywords: Customers , Interests , Financing , Strategy

The Effect Of Trust And Risk On Interest Using Mobile Banking Isa, Muhammad; Fadlilah, Hamni; Hamid, Azwar; Lestari, Emmi
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

PT. Bank Sumut Syariah Branch Padangsidimpuan provides mobile banking services, but this service is less attractive to customers. The purpose of the study was to determine the effect of trust and risk partially and simultaneously on the interest in using mobile banking on customers of PT. Bank Sumut Padangsidimpuan Sharia Branch. This research is quantitative research. The sample used in this study were 100 respondents. The sampling technique used was accidental sampling. Data analysis used is validity test, reliability test, normality test, classical assumption test, t test and F test using SPSS 24 tool. The results showed that there was an influence of trust on the interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan, there is a risk effect on interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan and there is the influence of trust and risk simultaneously (together) on the interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan .Keywords: Trust, Interest Using, Risk

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name
Ferri Alfadri

Contact Email
feri@uinsyahada.ac.id

Phone
+6281262408535

Journal Mail Official
feri@uinsyahada.ac.id

Editorial Address
JL. T. Rizal Nurdin Km 4,5 Sihitang Kota Padangsidimpuan 22733

Location
Kota padangsidimpuan,

Sumatera utara

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Ferri Alfadri

Contact Email feri@uinsyahada.ac.id

Phone +6281262408535

Journal Mail Official feri@uinsyahada.ac.id

Editorial Address JL. T. Rizal Nurdin Km 4,5 Sihitang Kota Padangsidimpuan 22733

Location Kota padangsidimpuan, Sumatera utara INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

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Abstract

Abstract

Abstract

Contact Name
Ferri Alfadri

Contact Email
feri@uinsyahada.ac.id

Phone
+6281262408535

Journal Mail Official
feri@uinsyahada.ac.id

Editorial Address
JL. T. Rizal Nurdin Km 4,5 Sihitang Kota Padangsidimpuan 22733

Location
Kota padangsidimpuan,

Sumatera utara

INDONESIA