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AT-TIJARAH: Journal Islamic Banking and Finance Research
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : 27215482     EISSN : 27455696     DOI : https://doi.org/10.52490/attijarah.
Core Subject : Economy,
Economics, Econometrics & Finance
This journal publishes research results conceptually and technically related to the scope of Islamic Economics with a concentration in the field of Islamic Banking and Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 48 Documents
 1   2   3   4   5 
Analysis Of E-Marketing Implementation In Enhancing The Sales Of Mudharabah Savings Products From An E-Commerce Perspective: A Case Study Of BSI Kc Metro A Yani Purnama Sari, Anisa; Novita Sari, Linda; Nur Cahyati, Nur; Tiara Sari, Putri; Alfiansyah, Alfiansyah Imanda Putra
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.3444

Abstract

This study aims to examine the implementation of e-marketing in enhancing the sales of Mudharabah savings products from an e-commerce perspective, using BSI KC Metro A Yani as a case study. The research adopts a qualitative method, using data from BSI KC Metro A Yani’s customers and gathering in-depth information from its employees. Data collection techniques included interviews and document analysis, while data analysis was conducted using the Miles and Huberman approach.. The findings reveal that the implementation of e-marketing at BSI KC Metro A Yani has significantly increased the sales of Mudharabah savings products. Through effective strategies, the bank successfully expanded its market reach, attracted new customers, and boosted transaction volumes. Despite encountering several challenges, the solutions implemented effectively addressed these issues. By continuously innovating and adapting to technological advancements, BSI KC Metro A Yani has been able to sustain and even enhance its success in leveraging e-commerce for marketing Islamic banking products
SWOT Analysis Of The Mobile Banking Promotion Strategy At Bank Aceh Syariah Azra, Feny; Rafiza Zuliani
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.4664

Abstract

This research aims to find out how strategic the promotion of Bank Aceh Syariah's action is for the people of Aceh Tamiang and to find out the obstacles to promoting Bank Aceh Syariah's action for the people of Aceh Tamiang. The method used is a qualitative approach. Data collection techniques use observation, interviews and documentation. The information in this research is employees of Bank Aceh Syariah, customers of Bank Aceh Syariah Aceh Tamiang. The results of the SWOT analysis show that the strategy that can be used by Bank Aceh is the S-O (strength-opportunity) strategy. The research results show that Bank Aceh Syariah's promotional action strategy uses advertising and personal selling media. The obstacles experienced by Bank Aceh Syariah in promoting action among the people of Aceh Tamiang are the lack of personnel in the promotion department, wide area coverage and network difficulties in several areas in Aceh Tamiang. Keywords: SWOT Analysis; Bank Aceh Syariah; Mobile Banking
The Influence Of Religiosity, Income, Zakat Literacy, And Socialization On The Interest In Paying Zakat: A Case Study Of Baitul Mal In Banda Aceh City Dewi, Ratna; Nurlina, Eka; Umuri, Khairil
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6015

Abstract

This research aims to determine the influence of religiousness, income, zakat literacy, and socialization on people's interest in paying zakat at Baitul Mal, Banda Aceh City. The data used is primary data using a questionnaire technique which was distributed to 100 respondents, people who have KTPs in Banda Aceh. The number of variables studied was 5 (five), namely religiosity, income, zakat literacy, and socialization as independent variables and the variable interest in paying zakat as the dependent variable. The approach used in this research is a quantitative approach. The sampling method used is probability sampling with cluster random sampling technique. The method used is multiple linear regression analysis. Based on the results of this study, it was found that religiosity has a positive and significant effect on interest in paying zakat, income has a positive and significant effect on interest in paying zakat, zakat literacy has a positive and significant effect on interest in paying zakat, socialization has a positive and significant effect on interest in paying zakat, religiosity, income, zakat literacy and socialization simultaneously influence the intention to pay zakat.
Exploring Smart Contracts In Islamic Finance: Blockchain-Based Shariah-Compliant Transactions Desky, Harjoni; Hye, A. K. Mahbubul
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6022

Abstract

The rapid advancement of blockchain technology presents new opportunities and challenges for the Islamic financial system, particularly in ensuring compliance with Shariah principles. As Islamic finance continues to grow, there is a pressing need to explore how digital innovations such as smart contracts can be integrated without violating core religious tenets. This study explores the potential application of smart contracts in Islamic finance, focusing on how blockchain technology can support transactions that comply with Shariah principles. Using a qualitative approach with triangulation methods, the research combines systematic literature review, in-depth interviews, and comparative analysis between smart contract frameworks and classical Shariah contracts such as murabaha, mudarabah, and ijarah. The study examines how smart contracts can enhance transparency, reduce operational costs, and minimize human error while ensuring adherence to Islamic legal and ethical standards. The findings indicate that blockchain-based smart contracts can effectively automate Islamic financial transactions when designed with proper attention to the prohibition of riba (interest) and gharar (uncertainty). The research highlights the need for close collaboration between Shariah scholars and technology developers to ensure compliance. This study suggests that smart contracts hold significant promise for increasing efficiency, trust, and transparency in the Islamic financial ecosystem
What Drives BPRS Efficiency? A Study Of Financial Inclusion, Bank Characteristics, And Macroeconomic Factors Akasumbawa, Muhammad Dedat Dingkoroci; Rukmana, Laelani; Razali; Andi Mardika
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6027

Abstract

Islamic Rural Banks (BPRS) in Indonesia face persistent challenges in achieving optimal operational efficiency, which is crucial for their sustainability and ability to serve the unbanked population. However, the factors driving this efficiency remain underexplored, especially in relation to financial inclusion, internal bank characteristics, and macroeconomic dynamics. This study aims to examine whether financial inclusion, bank-specific factors (capital adequacy ratio, profitability, and default risk), and macroeconomic variables (inflation and exchange rate) influence the operational efficiency of BPRS, as measured by the Operating Efficiency Ratio (OER). Utilizing time series data from January 2014 to June 2024 and applying the ARDL approach, the results reveal that only the exchange rate (in the short term) and capital adequacy ratio (in the long term) significantly affect efficiency. In contrast, financial inclusion, profitability, default risk, and inflation do not show a statistically significant impact in either time frame. Practically, these findings indicate that BPRS managers should prioritize strengthening internal capital structures and managing exposure to exchange rate fluctuations, rather than relying solely on expanding financial inclusion or profitability improvements to enhance efficiency. Theoretically, the results highlight the limited role of financial inclusion in directly boosting operational performance without sufficient institutional readiness, and underscore the
Islamic Capital Market a Catalyst For Sharia Investment: Sytematic Literature Review Using The Prisma Method Santi Arafah; M. Shabri Abd. Majid; Sugianto
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6285

Abstract

This research aims to analyze the Islamic capital market as a Catalyst For Sharia Investment. The method used in this research is a systematic literature review with the PRISMA approach with a time span of 2018-2025. The research analyzed 276 articles based on data obtained from google scholar and 46 of these articles were indexed by Scopus Q1, Q2, and Q3. And only 15 articles were eligible in this research. The results show that Islamic capital markets play an important role as a driver of Islamic investment by providing a forum for investors who want to invest according to sharia principles and become a source of financing for companies that operate according to sharia principles. Islamic capital markets also have a significant influence on a country's economy, especially in the field of investment because in the real sector, investment is considered to have a positive impact on the economy, so that if the development of the real sector increases, the country's production will also increase. One way a country can develop its real sector is by developing the financial sector.
The Exploring Students' Career Interests In Islamic Banking: Between Knowledge And Religious Values Mustika, Dama
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6287

Abstract

With the increasing awareness of Sharia-based financial services and the growth of the Sharia banking industry, it is important to understand the determinants of career decisions of the younger generation. This study aims to analyze the factors that influence students' career interest in Sharia banking through Sharia banking knowledge and religiosity. This study uses quantitative data with a questionnaire conducted through Google Forms, distributed to students who have completed the Sharia banking course. The population was 110 respondents at STAI Hubbulwathan, and 63 respondents were research samples who filled out the questionnaire online. The results of the study showed that career interest in Sharia banking was greatly influenced by knowledge of Sharia banking with a p-value of 0.006 and the level of religiosity had a significant effect with a p-value of 0.002 on career interest in Sharia banking. The importance of higher education institutions integrating Islamic banking material more deeply into the curriculum, the need for socialization regarding career prospects in Islamic banking, and Islamic principles in economics are important so that students better understand the opportunities in this sector. Providing training programs, seminars, and short courses can also be an alternative to improve students' practical knowledge.
Determinan Of Muḍārabah Deposits At Sharia Commercial Banks In Indonesia Nofinawati; Nasution, Adanan Murroh; Reski Amanah
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6450

Abstract

As a financial institution, Islamic banking has a function as a collector of funds from the community. A fund-raising product in the form of deposits. Muḍārabah deposits are public investments whose withdrawals can only be made within a certain period of time according to the agreement. The largest fundraiser from deposits is deposit products compared to other products. The background of the problem in this study is based on the data obtained that the number of Muḍārabah deposits fluctuated in 2018-2023 as well as the Profit Sharing and Bi Rate which fluctuated in the Profit Sharing and Bi Rate.The purpose of this study is to determine the Effect of Profit Sharing and Bi Rate on Muḍārabah Deposits in Sharia Commercial Banks in Indonesia partially and simultaneously. The type of research is quantitative research with the data source used in the form of secondary data from the OJK's annual financial statements within the last 5 years. The data analysis method used is panel data with an analysis tool, namely panel data regression using the eviews 12 software application and Microsoft Excel. Using purpossive sampling techniques with a sample of 8 banks, the population in this study amounted to 13 Sharia Commercial Banks. The results of the study show that partially (t-test) the Profit Sharing variable has a significant effect on Muḍārabah Deposits. The Bi Rate variable does not have a significant effect on Muḍārabah Deposits. Meanwhile, simultaneously, the independent variables of Profit Sharing and Bi Rate have an effect on Muḍārabah Deposits in Sharia Commercial Banks in Indonesia.

Page 5 of 5 | Total Record : 48

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