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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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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.
Analysis Bibliometrics Application of Technology Acceptance Model in Islamic Fintech Pulungan, Ismail; Ritonga, Juliani; Binti Abu Hasan, Nurul Widad
Journal of Islamic Financial Technology Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i2.13960

Abstract

ABSTRACT          The rapid advancement of technology has led to the emergence of Islamic fintech as an innovation in digital financial services with the potential to enhance financial inclusion. However, public understanding of its use remains limited, resulting in cases of misuse and losses for users and companies alike. This study aims to analyze the factors influencing the acceptance of Islamic fintech using bibliometric methods. Employing a qualitative descriptive approach, data was collected through the Publish or Perish software and analyzed using VOSviewer to map the development of research on the Technology Acceptance Model (TAM) in Islamic fintech. The findings reveal significant growth in Islamic fintech journal publications in 2020, with "fintech" being the most frequently used keyword. Furthermore, the author analysis identifies Rabbani as the primary contributor. Research on the application of TAM in Islamic fintech remains scarce, but this model has proven effective in predicting technology acceptance. By understanding the factors influencing technology acceptance, companies can develop better strategies to expand their user base and enhance consumer trust in their services. Keywords: TAM, Islamic Fintech, Bibliometric, VOSviewer
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
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.
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. 
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.
From Tradition to Innovation: Tokenizing Dinar and Dirham for the Islamic Digital Economy Hutagalung, Muhammad Wandisyah R; Mairiza, Diany
Journal of Islamic Financial Technology Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i2.14645

Abstract

This research explores the potential and implications of tokenizing Dinar and Dirham in the context of Islamic digital finance, with a focus on the use of blockchain technology to facilitate their integration into the global financial system. The study adopts a qualitative approach, analyzing data derived from scholarly publications, online resources, and case studies from countries like the UAE and Malaysia, which are exploring blockchain-based Islamic currencies. The research examines the fundamental principles of Dinar (gold) and Dirham (silver) as intrinsic-value currencies within Islamic finance, highlighting their alignment with Sharia principles such as transparency, fairness, and the prohibition of riba (interest). Furthermore, the study explores the concept of tokenization, its application in the digital economy, and its potential to offer stable, inflation-free payment solutions.Key findings indicate that tokenized Dinar and Dirham can enhance financial inclusion, promote economic stability, and provide an alternative to volatile fiat currencies. Blockchain technology is identified as an effective platform for supporting these tokenized currencies, ensuring transparency, security, and decentralization in compliance with Sharia law. However, the research also identifies several challenges, including regulatory uncertainties, technological scalability issues, and societal resistance to adopting digital currencies. Drawing on case studies, the research highlights the importance of clear regulatory frameworks, technological advancements, and financial literacy programs to support the widespread adoption of tokenized Islamic currencies.The study concludes with policy recommendations aimed at addressing these challenges, emphasizing the need for a collaborative approach involving regulators, financial institutions, and technology providers. Future research directions include exploring the practical implementation of tokenized Dinar and Dirham and examining consumer behavior and the broader economic impact of these digital currencies. This research contributes to the growing discourse on Islamic digital finance and offers insights into how tokenized Dinar and Dirham can potentially reshape the future of finance in Muslim-majority countries. Keywords: Tokenization, Dinar, Dirham, Blockchain, Islamic Finance, Digital Currency, Sharia Compliance.
The Impact of GDP, Investment, and Inflation on Poverty in ASEAN-8 Countries: A Panel Data Analysis (2010–2023) Gunawan, Lalu Abu; pulungan, ismail; Malik, Feri Maulana
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17915

Abstract

This study examines the impact of Gross Domestic Product (GDP), investment, and inflation on poverty levels in eight ASEAN countries—Indonesia, Malaysia, the Philippines, Singapore, Thailand, Vietnam, Laos, and Cambodia—from 2010 to 2023. Despite rapid economic expansion in the region, poverty remains a persistent issue. Using panel data regression (Panel Least Squares) with 105 observations, the analysis assesses how these macroeconomic factors contribute to poverty reduction. The results show that the overall regression model is significant (Prob F-statistic = 0.000000), with an R-squared value of 0.3708, indicating that 37% of poverty variation is explained by GDP, investment, and inflation. Investment has the strongest and most significant negative effect on poverty (coefficient = –0.950933; p < 0.01), suggesting that higher investment effectively reduces poverty through job creation and productivity gains. GDP has a negative but insignificant effect (p = 0.0976), implying that economic growth alone does not automatically lower poverty without equitable distribution. Inflation shows a positive effect (coefficient = 0.747921; p = 0.0652), indicating that rising prices tend to worsen poverty by eroding purchasing power. These findings highlight the importance of promoting investment and maintaining price stability in ASEAN poverty-reduction strategies.
Cryptocurrency in the Modern Economic System: Analysis of Functions, Regulations, and Islamic Legal Perspectives Matondang, Zainal Abidin; pulungan, ismail
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17946

Abstract

The rapid advancement of digital technology in the era of the Fourth Industrial Revolution has significantly transformed global financial systems, including the emergence of cryptocurrency as a digital currency and asset powered by blockchain technology. Cryptocurrency introduces a decentralized, transparent, and efficient transaction system without reliance on a central authority. However, its existence raises substantial debate regarding its functions, legality, and compliance with Islamic economic principles. This study aims to analyze the concept of cryptocurrency, its functions and characteristics, regulatory frameworks in Indonesia, and Islamic legal perspectives on its use as both a medium of exchange and a digital commodity. This research employs a library research method with a descriptive-analytical approach, utilizing data sourced from books, academic journals, government regulations, and fatwas issued by the Indonesian Council of Ulama (MUI). The findings indicate that cryptocurrency can function as a medium of exchange and an investment asset, but its high price volatility positions it more as a speculative instrument. In Indonesia, cryptocurrency is not recognized as a legal means of payment but is permitted as a tradable commodity under the supervision of Bappebti. From an Islamic economic perspective, cryptocurrency is considered prohibited (haram) as a currency due to elements of gharar and dharar, but it may be traded as a commodity if it fulfills the principles of clear value, clear benefit, and legitimate ownership. This study concludes that the use of cryptocurrency requires strong regulatory control and careful consideration to align with economic stability and Sharia compliance.

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