cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Ardiansyah
Contact Email
garuda@apji.org
Phone
+6285885852706
Journal Mail Official
danang@apji.org
Editorial Address
Jl. Wa Ode Wau, Kel. Tanganapada, Kec. Murhum, Bau Bau, Provinsi Sulawesi Tenggara, 93720
Location
Kota bau bau,
Sulawesi tenggara
INDONESIA
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Published by Sekolah Tinggi Agama Islam (STAI) Yayasan Pendidikan Islam Qaimuddin (YPIQ) Bauabau
ISSN : 2988148X     EISSN : 2988134X     DOI : 10.59059
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Manajemen dan Ekonomi Syariah. Jurnal ini berkaitan dengan aspek apapun dari manajemen, tidak terbatas pada topik berikut : berbagai perspektif ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam, dan tema lain yang relevan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 220 Documents
 18   19   20   21   22 
Pengaruh Gaya Hidup, Pendapatan, Religiusitas, dan Kepercayaan terhadap Keputusan Berasuransi Syariah pada Generasi Milenial di Kota Medan Anita Cerahma Siregar; Tri Inda Fadhila Rahma; Isnaini Harahap
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3295

Abstract

This study aims to investigate how lifestyle, income, religiosity, and trust influence the decision of millennials in Medan City to choose Islamic insurance. A quantitative approach was adopted using an explanatory research design. The study focused on millennials aged 30 to 45 years, with a sample of 100 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach through SmartPLS 4. The results indicate that lifestyle and income have a positive and significant influence on the decision to choose Islamic insurance. In contrast, religiosity and trust do not have a significant influence on the decision. The R-Square value of 0.570 indicates that the independent variables explain 57% of the variation in the decision to use Islamic insurance, while the remaining 43% is explained by other factors outside the research model. These findings indicate that financial factors have a more prominent role than non-financial factors in influencing millennials’ decisions to choose Islamic insurance.
Pengaruh Digitalisasi Layanan dan Perilaku Petugas Pelayanan terhadap Kualitas Pelayanan Penerbitan SKCK Melalui Responsiveness pada Polres Tapanuli Selatan Oloan Lubis; Nur Aisyah; Wan Suryani
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3296

Abstract

This study aims to analyze the effect of service procedure convenience and service officer behavior on the quality of Police Clearance Certificate (Surat Keterangan Catatan Kepolisian/SKCK) issuance services through the responsiveness dimension at the South Tapanuli Resort Police. Improving responsive public services is an important effort to strengthen public trust in police institutions. This research employed a quantitative approach, with data collected through questionnaires distributed to SKCK service applicants. The data were analyzed using regression analysis to examine the partial and simultaneous effects of the variables. The results show that service procedure convenience has a positive and significant effect on SKCK service quality through responsiveness. Likewise, service officer behavior has a positive and significant effect on service quality through the responsiveness dimension. Simultaneously, both variables contribute significantly to improving the quality of SKCK issuance services. These findings indicate that effective service procedures, combined with professional, friendly, and responsive officers, play an important role in enhancing public service performance. The study concludes that improving SKCK service quality at the South Tapanuli Resort Police requires an integrated strategy focusing on simplifying procedures, strengthening officer competencies, and developing professional service ethics. The findings are expected to serve as a reference for policymakers in improving the quality of public services within police institutions.
Pengaruh Lingkungan Kerja dan Gaya Kepemimpinan terhadap Disiplin Kerja Pegawai dengan Motivasi Kerja sebagai Variabel Pemoderasi pada Dinas Perhubungan Kabupaten Langkat Alfi Khairani; Sari Bulan Tambunan; Nur Aisyah
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3297

Abstract

This study aims to analyze the effects of the Work Environment and Leadership Style on Employee Work Discipline, with Work Motivation as a mediating variable, at the Langkat Regency Transportation Office. This study is motivated by the importance of a supportive work environment and effective leadership style in fostering employee work discipline, as well as the role of work motivation in strengthening these relationships to improve overall organizational performance. This study employed a quantitative approach involving 105 respondents who were employees of the Langkat Regency Transportation Office. Data were analyzed using SmartPLS version 4.1.1.4. The results indicate that the Work Environment and Leadership Style have positive and significant effects on Employee Work Discipline, with T-statistics of 4.210 > 1.96 and 5.831 > 1.96, respectively, and P-values of 0.000 < 0.05 for both relationships. Furthermore, Work Motivation significantly mediates the effects of the Work Environment and Leadership Style on Employee Work Discipline, with T-statistics of 3.470 > 1.96 and 3.609 > 1.96, and P-values of 0.002 < 0.05 and 0.008 < 0.05, respectively. These findings demonstrate that improvements in employee work discipline are influenced not only directly by the Work Environment and Leadership Style but also indirectly through increased Work Motivation as a mediating factor. Therefore, to achieve optimal employee discipline and performance, the organization should strengthen a positive work culture, implement inspirational leadership practices, and enhance employee work motivation through reward systems and competency development.
Pengaruh Kualitas Pelayanan dan Promosi Digital terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah pada Generasi Milenial PT. Pegadaian Cabang Kampung Lalang Kota Medan Anggi Randy Syahputra; Adelina Lubis; Minda Muliana Br Sebayang
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3298

Abstract

This study aims to analyze the effects of Service Quality and Digital Promotion on Customer Loyalty through Customer Satisfaction as an intervening variable among millennial customers using the services of PT Pegadaian, Kampung Lalang Branch, Medan City. This study employed a quantitative approach involving 93 respondents. The data were analyzed using Partial Least Squares (PLS) with SmartPLS 4.0. The results indicate that Service Quality has a positive and significant effect on Customer Satisfaction (T-Statistics = 3.732 > 1.96; P-Values = 0.000) and Customer Loyalty (T-Statistics = 3.559 > 1.96; P-Values = 0.006). Digital Promotion also has a positive and significant effect on Customer Satisfaction (T-Statistics = 4.941 > 1.96; P-Values = 0.000) and Customer Loyalty (T-Statistics = 3.247 > 1.96; P-Values = 0.001). Furthermore, Customer Satisfaction has a positive and significant effect on Customer Loyalty (T-Statistics = 1.972 > 1.96; P-Values = 0.049). The mediation analysis demonstrates that Customer Satisfaction significantly mediates the effects of Service Quality and Digital Promotion on Customer Loyalty. These findings confirm that improving service quality and implementing effective digital promotion strategies can enhance customer satisfaction and loyalty, particularly among millennials. Therefore, PT Pegadaian is advised to continuously improve its digital-based services and strengthen its digital marketing communication strategies to maintain customer loyalty in the era of digital transformation.
Dilema Independensi Auditor Internal Kementerian Lingkungan Hidup: Antara Kepatuhan Regulasi dan Tekanan Institusional Dewi Puspito Sari; I Putu Sudana; Ni Ketut Rasmini; Naniek Noviari
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3299

Abstract

Internal auditor independence is a fundamental aspect of maintaining the objectivity and credibility of the internal oversight function, particularly when auditors operate within organizational environments characterized by various institutional pressures. This study aims to understand the dilemmas surrounding internal auditor independence and identify adaptive strategies employed to maintain independence within the Main Inspectorate of the Ministry of Environment. A qualitative approach with a case study design was employed. Data were collected through in-depth interviews with five internal auditors and document analysis and were analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings indicate that independence dilemmas primarily arise during the discussion, communication, and finalization of audit results, when auditors encounter responses, clarifications, and additional evidence from auditees. Institutional pressures include coercive pressures arising from regulations and organizational dynamics, normative pressures stemming from auditing standards, professional codes of ethics, and professional values, and mimetic pressures associated with learning from audit practices adopted by other institutions. Auditors maintain their independence through professional communication, the use of audit evidence, professional judgment, hierarchical supervision, and compliance with the Indonesian Government Internal Audit Standards (SAIPI) and professional codes of ethics. This study concludes that internal auditor independence does not imply complete freedom from pressure but rather the ability to maintain objectivity and integrity through professional mechanisms when confronting institutional dynamics.
Analisis Tingkat Literasi Karyawan PT Aica Mugi Medan terhadap Layanan Asuransi Mandiri Inhealth dan Pemanfaatan Pelayanan Kesehatan pada RSU Bunda Thamrin Medan Widya Ayu Utami Lubis; Yenni Samri Juliati Nasution; Nurul Inayah
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3324

Abstract

This study aims to determine the influence of employee literacy on Inhealth Independent Insurance services and the influence of employee literacy on the use of health services at Bunda Thamrin Hospital Medan. This research approach uses a quantitative approach, the population is all permanent employees at PT. Aica Mugi Medan has a total of 41 employees, The sample technique uses saturated sampling where the entire population is used as a research sample. The data analysis used was PLS-SEM (Partial Least Square Structural Equation Model) with the help of the SmartPLS 4 application. The results of the hypothesis test showed that employee literacy had a significant effect on Mandiri Inhealth's insurance services and Employee literacy has a significant effect on the utilization of health services at Bunda Thamrin Hospital Medan. Employees are advised to increase their literacy regarding Mandiri Inhealth insurance so they can better understand its benefits and make optimal use of health services at RSU Bunda Thamrin Medan.
Tax Administration Services, Tax Understanding, SP2DK, and Taxpayer Compliance: Evidence from Individual Taxpayers at the Madiun Primary Tax Office Carolina Anggraini; Kurnia
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3330

Abstract

This study aims to analyze the effects of Tax Administration Services, Tax Understanding, and the Request for Explanation of Data and/or Information Letter (SP2DK) on Individual Taxpayer Compliance among taxpayers registered at the Madiun Primary Tax Office. This study employed a quantitative approach using a survey method through questionnaires administered to 100 individual entrepreneur taxpayers selected using purposive sampling from a population of 1,687 taxpayers who received SP2DK during the 2022-2024 period. The data were analyzed using multiple linear regression with validity, reliability, classical assumption, F-test, t-test, and coefficient of determination analyses. The results show that Tax Administration Services have a positive and significant effect on Taxpayer Compliance (B = 0.436; β = 0.382; p < 0.001), Tax Understanding has a positive and significant effect (B = 0.457; β = 0.358; p < 0.001), and SP2DK also has a positive and significant effect (B = 0.235; β = 0.236; p = 0.007). Simultaneously, the three variables have a significant effect on Taxpayer Compliance (F = 13.603; p < 0.001) and explain 29.8% of the variation in taxpayer compliance (R² = 0.298), while the remaining 70.2% is explained by other factors outside the research model. These findings show that improving the quality of tax administration services, strengthening tax understanding, and optimizing the supervisory function through SP2DK are important factors in improving taxpayer compliance within the self-assessment system.
Peningkatan Customer Retention melalui Quality Product dan Excellence Service yang Dimoderasi oleh Relation-Driven Network pada Bisnis Jasa Sewa Kendaraan : Studi Kasus di TRAC Astra Rent a Car Area Jakarta Fitriadi, Arya; Ratnawati, Alifah
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i3.3365

Abstract

This study aims to examine the impact of product quality and service excellence on customer retention, with the relation-driven network serving as a moderating variable at TRAC Astra Rent a Car Jakarta. This quantitative study utilized a sample of 269 customer respondents and was analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method via SmartPLS 4.0. The analysis results yielded an original sample value of 0.249, a t-statistic of 2.158, and a p-value of 0.031; consequently, the second hypothesis (H2) was accepted. These findings indicate that improvements in service quality provided by TRAC Astra Rent a Car Jakarta contribute significantly to enhancing the company's ability to retain customers. In practical terms, companies are advised to prioritize enhancing service consistency, the speed of complaint resolution, and communication personalization, as well as the continuous development of customer relationship programs. This research contributes to the development of customer retention strategies within the vehicle rental industry, particularly through the integration of service quality and customer relationship approaches.
Analisis Strategi Manajemen Klaim dalam Menekan Resiko Fraud di PT. Asuransi Panin Dai-Ichi Life Elyana Syakira; Aqwa Naser Daulay; Budi Harianto
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3372

Abstract

Insurance fraud is a latent threat that can disrupt the financial stability of life insurance companies. PT Panin Dai-Ichi Life Medan Branch faces significant challenges in safeguarding against illegitimate claims driven by criminal intent. This study aims to analyze the effectiveness of claim management strategies in mitigating fraud risks in Medan. This study employs a qualitative descriptive case study method. Data gathered through in-depth interviews and documentation were analyzed using a SWOT matrix (IFAS/EFAS) based on Fraud Risk Assessment. The analysis revealed a net IFAS score of +0.48 and an EFAS score of +0.71, positioning the company in Quadrant I (Aggressive Strategy). The primary strength lies in the multi-layered clinical verification by the internal Casemix medical team and strict adherence to prompt payment SOPs. However, challenges persist regarding digital document manipulation and dispute risks due to agent mis-selling. The S-O (Strengths-Opportunities) Strategy is highly recommended, focusing on integrating the claim system with partner hospitals' e-medical records, utilizing AI for anomaly detection, and reinforcing anti-fraud compliance under OJK regulations and Law No. 4 of 2023 on PPSK.
Manajemen Pelayanan Jemaah Lansia oleh Tour Leader di Multazam Haji Umroh Aisyah Ramadhani; Muhammad Fachran Haikal
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3384

Abstract

This study discusses the management of elderly pilgrim services by Tour Leaders at Multazam Haji Umrah through the application of planning, organizing, implementing, and supervising functions. The research approach uses phenomenological qualitative methods with data collection techniques in the form of online interviews, indirect observations, and documentation. The results of the study show that planning is carried out from pre-departure by identifying the conditions and needs of pilgrims, including the provision of wheelchairs, special companions, and priority facilities. Organizing is carried out through coordination between Tour Leaders, mutawwif, airports, airlines, and health workers. The implementation of services is adjusted to the condition of pilgrims through mentoring, mobility assistance, and health support. Supervision is carried out through quality assurance and mechanisms for handling problems and complaints. Overall, the service management of elderly pilgrims has been carried out in a structured and systematic manner, so as to support the implementation of safe, comfortable, orderly, and in accordance with the needs of pilgrims. These findings affirm the importance of the role of Tour Leaders in integrating service management functions, as well as providing recommendations for improving the quality of Hajj and Umrah services oriented to the special needs of elderly pilgrims.

Page 21 of 22 | Total Record : 220

 18   19   20   21   22 

Filter by Year

2023 2026


Reset
Filter By Issues
All Issue Vol. 4 No. 3 (2026): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 3 (2025): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2025): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2025): Februari: Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 2 No. 4 (2024): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 2 No. 3 (2024): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2024): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 2 No. 1 (2024): Februari : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah More Issue