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Munawar Rizki Jailani
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JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : 27148793     EISSN : 26158469     DOI : https://doi.org/10.52490/jeskape
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
Journal of Islamic Economics, Accounting and Banking (JESKaPe) is a scientific journal published by the Faculty of Islamic Economics and Business - IAIN Lhokseumawe. This journal serves as a forum for research results both conceptually and technically related to the scope of Islamic Economics, Islamic Finance, Islamic Accounting, Islamic Banking and other fields related to the main scope. JESKaPe was first published in June 2017 and subsequently published twice a year, namely in June and December each year. This journal publishes state-of-art papers in fundamental theory, experiments and simulations, as well as applications, with systematically proposed methods, an adequate review of previous works, extended discussions and concise conclusions. As our commitment to the advancement of science and technology, JESKaPe follows an open access policy which allows published articles to be freely accessed online for free without having to subscribe.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 77 Documents
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Determinants of Customer Sharia Financial Management Behavior in Choosing Multiguna-Asn Financing Through Income Santi Arafah; Yunanda Eka Putra; Iskandar Muda; Andri Soemitra; Yusrizal
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 1 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i1.6331

Abstract

This research aims to determine the determinant factors that influence sharia financial management behavior through income on mutliguna ASN financing at PT Bank Sumut Syariah KCPsy Marelan. The population and sample in this research were 98 customers who were registered in Mutliguna-ASN financing. Data analysis in this study used SEM-PLS analysis techniques. The results of the research conducted with a confidence level of 95% based on sig. 5%, states that sharia financial literacy, financial experience and sharia financial attitudes affect sharia financial management behavior, while income does not affect sharia financial management behavior. Individual income greatly contributes to managing their finances due to the desire and satisfaction factors that want to be fulfilled, especially in Multiguna-ASN financing. This financing is one of the ideal solutions for middle to lower class people who face economic limitations, because it provides easier and faster access to customers to obtain the funds needed, but this financing is only intended for ASN.
Strategic Implementation of Multipurpose Financing in Islamic Banking Khairisma; Muhammad Yoesoef, Yoesrizal; Putri Mellita Sari, Cut; Nailufar, Fanny; Andyna, Cut
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 1 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i1.6431

Abstract

This study explores the strategic implementation of multipurpose financing at Bank Aceh Syariah Bireuen Branch using a qualitative descriptive approach with a SWOT analytical framework. Six informants were involved, consisting of three bank staff and three customers selected purposively based on their relevance to the financing process. Data were collected through interviews, observations, documents, and questionnaires, then analyzed using IFAS–EFAS matrices to identify internal and external strategic factors. The results show that the branch is positioned in SWOT Quadrant II, indicating strong internal capabilities amidst significant external threats. Key strengths include sharia-compliant financing, responsive service, and wide community trust, while the main challenges stem from limited product variety, modest promotion, and rising competition from national Islamic banks with advanced digital platforms. Based on the SWOT positioning, the study recommends prioritizing feasible strategies such as product diversification, digital development, and customer-centered outreach. This study contributes to the discourse on Islamic regional banking by offering a contextualized, branch-level analysis of strategy formulation. Future research is encouraged to involve more branches and diverse stakeholders to expand the applicability of findings.
The Effect of Coworker Support and Incentives on Employee Productivity of PT PLN (PERSERO) Service Implementation Unit Costumer (UP3) Banda Aceh Syarifah, Syarifah Mauli Masyithah; T. Muhammad Jumeil; Nurrahmad; Leni Marlina
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 2 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i2.6792

Abstract

This research aims to analyze the influence of support from colleagues from the same profession and incentives on employee productivity at PT PLN (Persero) UP3 Banda Aceh. The sample size for this research was 81 employees. The results of the partial test research showed that the support variable from co-workers in the same profession had an influence on the productivity of PT PLN (Persero) UP3 Banda Aceh employees. Incentive variables influence employee productivity at PT PLN (Persero) UP3 Banda Aceh. Then the Simultaneous Test between the variables of support from co-workers in the same profession and incentives influences the productivity of PT PLN (Persero) UP3 Banda Aceh employees. Partially, the support of colleagues from the same profession influences the productivity of PT PLN (Persero) UP3 Banda Aceh employees with a value of tcount (3,285) which is greater than ttable (1,6449). Partially, incentives have an effect on the productivity of PT PLN (Persero) UP3 Banda Aceh employees with a value of tcount (2,876) which is greater than ttable (1,6449). Simultaneously, the support of colleagues from the same profession and incentives influence the productivity of PT PLN (Persero) UP3 Banda Aceh employees with a value of Fcount (21,192) greater than Ftable (3,00).
Modernization of Waqf Management: A Waqf Based Eco Tourism Development System on Lombok Island Agus Salihin
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 2 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i2.6815

Abstract

This study examines the Modernization of Waqf Management: A Waqf-Based Eco-Tourism Development System on Lombok Island. This study is a library research study that utilizes library data on state regulations related to waqf management in Indonesia. Data collection was conducted through documentation, observation, and a sufficient number of references. The results of this study explain that the development of waqf-based eco-tourism in Lombok is an innovative solution for integrating sharia principles in preserving the environment, empowering communities, and supporting sustainable development. With the support of modern technology, management transparency, and collaboration between various parties, this system can become a relevant waqf management model in the modern era and provide long-term benefits for the community and the environment.
Comparative Influence of Service Quality on Customer Satisfaction Level Between Bank BSI and Bank ACEH mutia, faliza; Rahmawati, Rahmawati; khairina, khalish
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 2 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i2.6830

Abstract

This study is entitled "Comparative Study of the Influence of Service Quality on Customer Satisfaction Level between BSI Bank and Aceh Bank (Case Study of FEBI IAIN Lhokseumawe Students)" The background of this study is based on the rapid development of Islamic banking in Indonesia, especially Bank Syariah Indonesia (BSI) as a national bank and Bank Aceh Syariah (BAS) as a regional bank. Although both are Sharia-based, there are differences in students' perceptions of service quality and the level of satisfaction provided by each bank. This study aims to determine : (1) The influence of service quality on customer satisfaction of Bank BSI, (2) The influence of service quality on customer satisfaction of Bank Aceh, and (3) Comparison of the influence of service quality on customer satisfaction between Bank BSI and Bank Aceh. The method used is a comparative quantitative approach with data collection techniques through distributing questionnaires to 94 FEBI IAIN Lhokseumawe students who are customers of both Banks . Data analysis techniques include validity test, reliability test , classical assumption test , simple linear regression, and independent sample t- test . The results of the study indicates that service quality at Bank BSI has a contribution to customer satisfaction of 26.1% (R² = 0.261), but is not statistically significant (p = 0.416 > 0.05). Meanwhile , the effect of service quality on customer satisfaction at Bank Aceh is only 8.9% (R² = 0.089).
Promotion Media Moderates Price and Brand Image on Baba Parfume Purchase Decision Matondang, Zulaika; Nasution, Hamni Fadlilah; Dwi Ayunda, Sheilla
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 2 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i2.6872

Abstract

This study aims to determine the influence of brand image and price on the purchasing decision of Baba Parfum, utilizing promotion media as a moderating variable. The population for this research was students of the Faculty of Economics and Islamic Business (FEBI) at UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan, with a sample size of 92 respondents. The research was analyzed using Moderated Regression Analysis (MRA). The results of the study, conducted with a 95 percent confidence level (based on a 5% significance level), indicate that Brand image influences the purchasing decision of Baba Parfum, However, promotion media weakens the influence of brand image on the purchasing decision of Baba Parfum. This occurs because the promotional effect is significantly strong, becoming more dominant compared to the already established brand image. Price influences the purchasing decision of Baba Parfum, Furthermore, promotion media strengthens the influence of price on the purchasing decision of Baba Parfum. This happens because promotion media makes consumers more aware of price information, thereby enhancing their value perception, which leads to price becoming the dominant factor in influencing the purchasing decision.
Islamic Financing Risk Identification and Management in a Frontier Sharia Pawn Financing Context Hidayah, Nurul; Adiaman, Andini; Hidayatina
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 2 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i2.7005

Abstract

This study examines the identification and management of Islamic financing risks at PT Pegadaian Syariah Klademak Branch in Sorong, Southwest Papua, categorized as frontier (3T) region of Indonesia. A qualitative case study with thematic analysis approach was used to collect data through in-depth interviews with manager, officers and customers along with the document observation and analysis. According to the findings, financing risk can be divided into four main categories: financing, operational, reputational, and compliance. One of the most significant findings concerns financing risk, particularly in the Arum Haji financing product. This demonstrates that financing evaluation techniques that assess religious perspectives rather than a customer's ability to repay debt are considered irrelevant. The study also found that Pegadaian Syariah Klademak has implemented flexible risk management based on Islamic principles, as assessed by its flexible payment settlement process, humanistic communication, proactive reminders to customers to make timely payments, and active monitoring. Customers also trust the institution because they are honest and transparent, particularly in the collateral valuation process. Problems with repayment are generally caused by unstable customer behavior and income. These findings demonstrate the importance of financial literacy and behavioral interventions in Islamic financing risk mitigation and offer empirical insights from a frontier area context, it also provides recommendations for enhancing the effectiveness of risk management while maintaining institutional resilience, financial inclusion, and Sharia compliance.

Page 8 of 8 | Total Record : 77

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