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Marabona Munthe
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jibef@el-emir.com
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munthemarabona@gmail.com
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Journal of Islamic Banking, Economics and finances (JIBEF)
Published by EL-EMIR INSTITUTE
ISSN : 30642523     EISSN : 30641322     DOI : https://doi.org/10.63477/jibef
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal of Islamic Banking, Economics and Finance (JIBEF) is published by the El-Emir Institute helping academics, researchers, and practitioners to disseminate their research results. JIBEF is a blind peer-reviewed journal dedicated to publishing quality research results in the fields of Islamic Banking, Economics and Finance (JIBEF). All publications in the JIBEF Journal are open access which allows articles to be available online for free without any subscription. Journal of Islamic Banking, Economics and Finance (JIBEF)) is a national journal with e-ISSN: 3064-1322, and is free of charge in the submission process and review process. Journal of Islamic Banking, Economics and Finance (JIBEF) publishes articles periodically four times a year, in January, April, July, October. JIBEF uses Turnitin plagiarism checks, Mendeley for reference management and supported by Crossref (DOI) for identification of scientific paper.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 25 Documents
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THE INFLUENCE OF WORK ENVIRONMENT ON EMPLOYEE PERFORMANCE AT PT. MESITECHMITRA PURNABANGUN DURI-RIAU desriani; Adriani, Muhammad
Journal of Islamic Banking, Economics and Finance Vol. 1 No. 4 (2025): Juli 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v1i4.278

Abstract

This study aims to analyze how the work environment influences employee performance at PT. Mesitechmitra Purnabangun. How to improve employee performance by considering the work environment within the company. The method used in this study is a survey, this type of research is quantitative. The number of samples in this study was 46 people, using a saturated sampling technique where all populations were sampled. The results of this study indicate that the work environment has a significant positive effect on employee performance at PT. Mesitechmitra Purnabangun Duri-Riau branch, seen from the T Statistic value of 11,698> 1,684 which illustrates that the work environment influences employee performance. And also strengthened by the results of the Determination Coefficient (R2) of 0.778 which contains the understanding that the influence of the work environment on employee performance at PT. Mesitechmitra Purnabangun is 77.8%.
Analisis Tingkat Kepuasan Nasabah Pengguna Byond by BSI Abdul Munir; Marabona Munthe
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.287

Abstract

This study aims to see how big the level of customer satisfaction in using the Byond by BSI application in Riau province and to find out how big the influence of service quality, product quality, convenience and security on customer satisfaction who use Byond by BSI, and to find out how satisfied customers are in using Byond by BSI. The research method of data analysis uses quantitative using the Multiple Linear Regression approach. The results of the study indicate that customer satisfaction of Byond by BSI users in Riau Province is relatively very satisfied. This can be seen based on the results of the study that the number of high satisfaction responses from respondents' answers, in terms of service quality with a significant value of 0.001 with a positive regression value of 0.183%, product quality with a significant value of 0.001 with a regression value of -0.244% ease of use with a significant value of 0.001 with the highest regression value of 0.458%, and security with a significant value of 0.002 with a regression value of 0.206%.
pengaruh cybersecurity terhadap layanan mobile banking bank syariah dikota pekanbaru Abdul Gani, Indah nursifa; M. Syahrullah; Marabona Munthe
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of digital technology has encouraged the banking sector, including Islamic banking in Indonesia, to introduce mobile banking-based services in an effort to improve service quality and meet customer needs quickly, easily, and efficiently. However, the growth of this digital service is also accompanied by an increase in the potential for cyber threats that can compromise data security, customer trust, and convenience in transactions. This study aims to analyze the impact of cybersecurity on Islamic mobile banking services in Indonesia, specifically on aspects of security, system reliability, and customer satisfaction. The research method used a quantitative approach by distributing questionnaires to customers using Islamic mobile banking services. Data were analyzed through validity and reliability tests and linear regression analysis to determine the relationship between cybersecurity variables and the quality of digital banking services. The results show that good cybersecurity implementation has a significant influence on customer trust and satisfaction, as well as improving perceptions of the quality of Islamic mobile banking services. These findings confirm that digital security aspects are a critical factor that Islamic banks need to consider in developing mobile banking services, to support sustainability, competitiveness, and public trust in the Islamic banking system in the digital era.
Pengaruh Pinjaman Online Terhadap Perilaku Konsumtif Mahasiswa Perbankan Syariah Kota Pekanbaru Damayanti, Niken; Fitri; M. Syahrullah
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of financial technology (fintech) has introduced online loan services that facilitate access to cash, including among students. While offering convenience and speed of disbursement, online loans have the potential to encourage student consumer behavior, leading to serious financial risks. This study aims to examine the influence of online loan use on the consumer behavior of students in the Islamic Banking Study Program in Pekanbaru City. The method used was quantitative, with a simple random sampling technique involving 81 respondents from a population of 442 students using online loans. Data were collected through a Likert-scale questionnaire and analyzed using simple linear regression analysis and classical assumption tests. The results showed a positive and significant influence of online loan use on student consumer behavior. These findings suggest that the ease of access and short process of online loans encourage students to engage in irrational and wasteful consumer behavior. Therefore, financial literacy education and strict regulations are urgently needed to reduce the risk of problem debt and foster healthy consumption patterns among students.
pdf PENGARUH PEMBIAYAAN KUR TERHADAP PERKEMBANGAN USAHA MIKRO DAN KECIL (UMK) NASABAH PT. BANK RIAU KEPRI SYARIAH KEDAI AIRTIRIS habib, m. habib alfarishi; M. Syahrullah; Lisman, Muhammad
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the influence of Kredit Usaha Rakyat (KUR) financing on the development of micro and small enterprises (MSEs) among the customers of PT. Bank Riau Kepri Syariah Kedai Air Tiris. The research employs a quantitative method with an associative approach. The population consists of all KUR financing recipients at PT. Bank Riau Kepri Syariah Kedai Air Tiris, with a sample of 100 respondents selected using probability sampling through a random sampling method. Data were collected using questionnaires and analyzed through simple linear regression with the assistance of IBM SPSS 27 software. The findings reveal that KUR financing has a positive and significant effect on the development of micro and small enterprises. This is evidenced by a significance value of 0.000 < 0.05. The coefficient of determination (R²) value of 0.412 indicates that 41.2% of the variation in micro and small enterprise development can be explained by KUR financing, while the remaining 58.8% is influenced by other factors beyond this study. These results confirm that KUR financing plays an important role in supporting the growth of micro and small enterprises, particularly in enhancing access to capital, production capacity, and market expansion. Therefore, optimizing the distribution of KUR financing is expected to strengthen the MSE sector as a key pillar of regional economic development.

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