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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 52 Documents
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Effect of E-Wom on Social Media and Brand Image on Decisions Society Saving in Sharia Bank Connection Saleh, Idris; Ritonga, Julpahmi; Harahap, Amhar Maulana; Hasibuan, Laila Kalsum; Lubis, Fatimah Sakdiah
Journal of Islamic Financial Technology Vol 2, No 1 (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

Abstract

The purpose of this study was to determine the effect of E-WOM and brand image on people's decisions to save in Islamic banks. The type of research used is quantitative research with primary data sources and secondary data. The sampling technique was determined by probability sampling data with a total sample of 88 people. Data processing uses validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression analysis test, t test (partial) and F test (simultaneous) and test the coefficient of determination R2.In this study, E-WOM partially has a significant effect on people's decision to save at Panyabung Sharia Bank with a significant level value of 0.466 0.05 and Brand Image partially has a significant effect on people's decision to save at Panyabung Sharia Bank with a significance level value of 0.432 0 ,05. Whereas simultaneously E-WOM and brand image affect people's saving decisions at Panyabungan Islamic Bank, namely Fcount 110.306 Ftable 3.10, the results of this study indicate that E-WOM and brand image have a distribution of saving decisions of 72.2%. , while 27.8% is influenced by other variables not examined in this study.Keywords: E-WOM (Electronic Word Of Mouth), Brand Image, Saving Decision
The Effect of Independent Cash Tim (ATM) Revenue On Sharia Banking Performance in Indonesia (2016-2020) Arif, Muhammad; Habibie, Ahmad Musabiq
Journal of Islamic Financial Technology Vol 2, No 1 (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.v2i1.8189

Abstract

In 2020, around 50.3% of Indonesian people frequently use ATM services for transactions. The impact of ATM on banking performance has been the subject of various studies in the field of electronic banking with mixed results. Therefore, further investigation is needed to obtain empirical evidence regarding the effect of ATM income on bank performance. This study aims to examine the impact of ATM revenue on the performance of Islamic banking in Indonesia for the 2016-2020 period.A descriptive statistical method was used, utilizing secondary data from a time series consisting of 30 samples. The analysis used in this study is multiple regression which includes descriptive analysis test, normality test, linearity test, simple linear regression analysis, determinant coefficient test (R2), correlation coefficient test, and hypothesis testing (t-test).By using SPSS Software Version 25, the results showed a significance value (sig.) of 0.033 for the ATM variable (X). As Sig. 0.033 0.05 indicates profitability, the hypothesis is accepted. This means that there is an influence of ATM (X) on the performance of Islamic banking (Y). The coefficient of determination (R2) yields a value of 0.152 which means the influence of the ATM variable (X) is 15.2% on the performance of Islamic banking (Y). The remaining 84.8% is associated with variables not examined in this study.Keywords: Independent, Shariah Banking, Performance. 
Determinants of The Use of The Flip Application on UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan Students Hutagalung, Muhammad Wandisyah R; Elce, Furkan; Lestari, Sry
Journal of Islamic Financial Technology Vol 2, No 1 (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.v2i1.8396

Abstract

Islamic banking study program students who already know the admin fee-free application, but only a few use the admin fee-free application. Even though it is easy and useful, only some students use the flip application, and some students still believe in doing transactions using the flip applicationfeel more comfortable doing transactions directly to the ATM. The formulation of the problem in this study is whether there is a partial and simultaneous effect of ease, benefit, and trust in the decision to use the flip application for students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary State Islamic University Padangsidimpuan.          Objective the research was to determine the effect of convenience, usefulness, trust partially and simultaneously on students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. The theory in this study uses the factors that influence decisions, namely: perceived usefulness, perceived ease of use, attitude, and behavioral intention. This research is a quantitative research, the data source used is primary data and data collection using questionnaires and documentation techniques.The research sample is 89 samples with techniques purposive sampling. The data analysis techniques used in this study are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test (R 2 ), partial test (t test), and simultaneous significant test (F test), multiple linear analysis. The results of the study show that partially the variables of convenience, usefulness and trust influence the decision to use the flip application in students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary Padangsidimpuan State Islamic University. Simultaneously the variables of convenience, usefulness, and trust influence the decision to use the flip application in students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. 
The Influence of Knowledge and Security on The Decision To Use GPN Debit Cards Alfian, Ian Ian; Binti Abu Hasan, Nurul Widad
Journal of Islamic Financial Technology Vol 2, No 1 (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.v2i1.8440

Abstract

The purpose of this study is to determine the influence of knowledge and security on the decision to use GPN debit cards for students of the Sharia Banking Study Program IAIN Padangsidimpuan. The discussion of this research is related to the field of marketing management science so the approach taken is theories related to knowing product safety. The type of research used is quantitative field research. The sample used in this study was 92 respondents. Sampling techniques using purposive samples, and data collection techniques used are interviews, documentation, and questionnaires. The analysis used is a validity test, reliability test, basic assumption test (normality test), classical assumption test (multicollinearity test and heteroskedasticity test), multiple linear regression test, hypothesis test, namely coefficient of determination (R Square), partial test (t test), simultaneous test (F test) and using SPSS software version 26.The results showed that knowledge variables had a positive and insignificant effect on the decision to use GPN debit cards in terms of t calculate t table (1.489 1.66216). Security variables have a positive and significant effect on the decision to use GPN debit cards as seen from the t table (6.807 1.66216). There is a positive influence of knowledge and security on the decision to use GPN debit cards indicated by the value of Fcalculate Ftable (119.064 2.36). The coefficient of determination (R2) shows that knowledge and security variables influence the decision variable to use GPN debit cards by 72% and the remaining 28% is explained by other variables not studied in this study.
Determinants of Mobile Banking Use at SUMUT Bank Customer Sharia Branch Maarif, Muhammad Ariful; kurnia, rahmat; farizal, nando; hidayati, ayu
Journal of Islamic Financial Technology Vol 2, No 1 (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.v2i1.8273

Abstract

Mobile banking is a bank service that allows customers to transact easily using the available internet network. However, the convenience of this service has not been fully utilized by customers of the Padangsidimpuan Syariah Branch of Bank Sumut. This study aims to determine whether there is an influence of information technology, service features, and convenience on the interest in using Mobile banking partially and simultaneously. The discussion in this study is related to customer interest in using Mobile banking in the field of banking science. The approach taken is theories related to interest in using Mobile banking. This research is a quantitative study using primary data obtained from distributing questionnaires. The population in this study are customers of Bank Sumut Syariah in 2020. Sampling used the Taro Yamane formula so that 99 customers were obtained as respondents.Keywords: Mobile banking, Determine, Shariah Branch.
The Influence of Financial Technology on The Financial Performance of Islamic Banking in Indonesia prihastuti, asepma hygi; Meteab Mubarak, Bazyad Abdullah
Journal of Islamic Financial Technology Vol 2, No 1 (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.v2i1.8331

Abstract

This study aims to determine the influence of fintech on the financial performance of Islamic banking in Indonesia. This research is quantitative research using secondary data. The data analysis techniques used are descriptive analysis, normality test, panel data model selection through common effect, fixed effect, random effect, panel data model including Chowtest, Hausman test, classical assumption test including multicollinearity, hypothesis autocorrelation test including t-test, coefficient of determination (R2) test, and simple linear regression analysis. The results showed that there is a partial influence of fintech on the financial performance of Islamic banking in Indonesia (ROA). The more the development of fintech services in Islamic banking in Indonesia, the more significant the influence on the performance of Islamic banking in Indonesia (ROA).
Determinants Of Intentions To Use Mobile Banking With The Technology Acceptance Model (Tam) Approach Siregar, Tima Sari; Nasution, Hamni Fadlilah; Fauzan, M; Matondang, Zulaika
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.16369

Abstract

AbstractMany students have difficulty using mobile banking. The existence of mobile banking should make it easier for students to transact and give students freedom of time, quick response, and cost savings.  The purpose of this study is to determine the influence perceived usefulness and perceived ease of use on the intention to use Mobile banking. The concept in this study uses the Technology Acceptance Model (TAM). This model is a theoretical tool to test the extent to which a technology is accepted and benefited by a user. This type of research is quantitative research. The data collection technique uses questionnaires, documentation with a sample of 68 respondents. The data analysis technique used is using SmartPLS software version 4. Measurement models are used for validity and reliability tests, while structural models are used for causality tests (hypothesis testing with predictive models). The results of the study showed that there was an influence of usability perception on the intention to use mobile banking. And there is an influence of the perception of ease of use on the Intention to Use Mobile banking. In addition, the perception of usability and perceived ease of use explained the intention to use mobile banking by 0.902 or 90.2% and the rest was explained by other variables that were not studied by the researchers.
The Influence of Digital Banking Transactions and Third-Party Funds on Fee Based Income Sharia Commercial Banks in Indonesia Nofinawati, Nofinawati; Nasution, Adanan Murroh; Panggabean, Apriani
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.15357

Abstract

The instability of profit-sharing income in Islamic banks, driven by rising non-performing loans, strict regulations, and rapid financial technology development, has encouraged banks to explore alternative income sources such as Fee Based Income (FBI). This study aims to examine the influence of Digital Banking transactions and Third Party Funds (DPK) on Fee Based Income in Islamic Commercial Banks during 2019–2023. A quantitative approach was applied using secondary data from 60 monthly financial reports published by the Financial Services Authority (OJK). The analysis involved descriptive statistics, classical assumption tests, hypothesis testing, multiple linear regression, and the coefficient of determination using SPSS 24. The results show that Digital Banking has no significant partial effect on Fee Based Income, while Third Party Funds have a significant and positive effect. However, both variables jointly influence Fee Based Income significantly. These findings suggest that while digital banking adoption alone may not directly increase service-based income, the availability of third-party funds plays a crucial role. This implies that Islamic banks should optimize fund mobilization and enhance fee-based services to strengthen financial stability.
Digital Sharia Economic Empowerment at Al-Mukhlisin Islamic Boarding School Hasibuan, Siti Masitoh; Tolentino, Tolentino
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.16746

Abstract

This research aims to examine the initiation of a community economic management empowerment model based on sharia at the Al-Mukhlisin Islamic Boarding School with a focus on the economic perspective of the students. Islamic boarding schools, as Islamic educational institutions, have great potential in strengthening the economy of the ummah, particularly through a community-based approach that aligns with sharia principles. This study uses a qualitative method with a case study approach. Data is collected through participatory observation, in-depth interviews, and documentation.The results of the study show that the Islamic boarding school has initiated several sharia-based economic programs such as a cooperative Islamic boarding school, agribusiness units, and entrepreneurship training based on Islamic values. The empowerment model applied leads to the integration of religious education and productive economy, which impacts the enhancement of the economic independence of the Islamic boarding school community. This research recommends strengthening the managerial capacity of the Islamic boarding school and developing more structured sharia economic institutions as a strategic step forward.
Gender, Income, And Religiosity In E-Commerce Payment Preferences Arif, Muhammad; Rangkuti, Selvi Harisma
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.16499

Abstract

This study examines the influence of gender, income, and religiosity on payment method preferences in e-commerce transactions. Payment methods affect consumer convenience and purchasing decisions, but individual factors such as gender, income, and religiosity also play an important role. This research uses a quantitative approach with the SEM-PLS (Structural Equation Model-Partial Least Square) method. The research sample consisted of 54 respondents of the State Civil Apparatus (ASN) in Padangsidimpuan City, which was selected using the Cluster Sampling technique. Data were collected through questionnaires and documentation. The results showed that gender had a significant effect on payment method preferences (coefficient 0.517, p-value 0.041), while income had no significant effect (coefficient -0.217, p-value 0.170). Religiosity has a significant effect with coefficient -0.289 and p-value 0.028, indicating that a high level of religiosity tends to reduce preferences for payment methods that are not in accordance with sharia principles. Keywords: Gender, Income, Religiosity, Payment Method

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