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WIYAN MAILINDRA
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AICOS
Published by Institut Agama Islam Negeri Kerinci
ISSN : -     EISSN : 30327156     DOI : https://doi.org/10.32939/aicos.v1i01
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
AICOS: Asian Journal of Islamic Economics Studies ISSN 3032-7156 is a peer-reviewed journal and scientific journal published by Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Kerinci. Authors should submit only papers that have been carefully proofread and polished. Before submission, please make sure that your paper is prepared using the journal paper template. The authors must refer to journal writing format and style Please download and use it as a template for initial manuscript submission. This will ensure fast processing and publication. Any papers not fulfilling the requirements based on the guidelines to authors will not be processed. Online Submission We strongly prefer to receive manuscripts via our online submission system. Using this system, authors can upload manuscript files (text, figures, and supplementary information, including video) directly to our office and check on the status of their manuscripts during the review process. First, kindly register as an author, and then you should log in to submit your papers. Please don´t forget to tick the author when you make a registration.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 28 Documents
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THE INFLUENCE OF PRODUCT EXCELLENCE AND SERVICE QUALITY ON CUSTOMER SATISFACTION AT PT. BANK 9 JAMBI SUNGAI PENUH CITY BRANCH Rahayu Putri, Veni; Yudesman, Yudesman; Ihsan Muarrif, Zul
Asian Journal of Islamic Economic Studies Vol. 1 No. 2 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i2.3599

Abstract

This study aims to determine the effect of product excellence and service quality on customer satisfaction at Bank 9 Jambi Sungai Penuh Branch. This research includes quantitative research, which can be interpreted as a method used to examine specific populations and samples. The number of samples used in this study was 30 people. The data in this study were obtained by distributing questionnaires or research questionnaires to customers at Bank 9 Jambi Sungai Penuh Branch. The results of this study indicate that product excellence and service quality have a positive and significant simultaneous (equally) effect on customer satisfaction at Bank 9 Jambi Branch Sungai Penuh. The findings partially show that product superiority has a positive and significant impact on customer satisfaction at Bank 9 Jambi Penuh Branch, and service quality has a positive and significant effect on customer satisfaction at Bank 9 Jambi Sungai Penuh Branch.
THE INFLUENCE OF LOCATION AND BRAND IMAGE ON STUDENTS' INTEREST IN TRANSACTING AT BANK RAKYAT INDONESIA SUNGAI PENUH BRANCH OFFICE Nursitha, Nita; Busni, Darti; Halim, Halim
Asian Journal of Islamic Economic Studies Vol. 1 No. 2 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i2.3961

Abstract

This study intends to investigate the extent of the influence of location and brand image on students' interest in transacting at BRI Kanca Sungai Penuh. The research found that location positively and significantly influenced students' interest in transacting. This contrasts with the brand image, which has no effect on students' transaction interest. However, location and brand image have a positive and significant impact on student interest in transacting, with location being the most influential variable affecting student interest in transacting at BRI Kanca Sungai Penuh. After considering the study's findings, it's clear that the brand image has a relatively low impact on students' willingness to transact. Before using a company's products, students should acknowledge the company's brand image, especially consumer and service firms. This is attributable to the fact that a company's image reflects the quality of its products.
STUDENTS' PERCEPTION OF SIPINTAR SAVINGS PRODUCTS (STUDENT EDUCATION SAVINGS) AT BANK KERINCI Mi Iswari, Dela; Bustami, Yuserizal; Desiana, Desiana; Melani, Zahaqi
Asian Journal of Islamic Economic Studies Vol. 1 No. 2 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i2.3962

Abstract

SIPINTAR savings product is a savings product issued by Bank Kerinci specifically for students. This study aims to determine the system and procedure of SIPINTAR savings products and students' perceptions of SIPINTAR savings products at Bank Kerinci. The type of research used is descriptive quantitative research with a survey approach. The number of samples in this study was 76 respondents who were students of SMPN 1 Kerinci. The data was analyzed using perceptual analysis with the help of SPSS version 23. The results showed that SIPINTAR savings procedures consist of 3, namely account opening, deposit, and withdrawal; two service systems are coming directly to the office and shuttle services. Students' knowledge of SIPINTAR savings products is adequate; this is shown by students' responses to statements in the questionnaire that predominantly voted strongly agree and agree
THE INFLUENCE OF FINANCIAL LITERACY AND RELIGIOSITY ON THE CONSUMPTIVE BEHAVIOR OF SHARIA ECONOMICS STUDENTS OF KERINCI STATE ISLAMIC INSTITUTE Anggraini, Selia; Syarif, Dafiar; Bustami, Bustami
Asian Journal of Islamic Economic Studies Vol. 1 No. 2 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i2.3964

Abstract

This research aims to determine the influence of literacy and religiosity on the consumptive behavior of sharia economics students. The type of research used is quantitative research. The sample used a random sampling technique with a sample size of 80 people. Testing uses Multiple Linear Regression Analysis. The results show that financial literacy has a significant influence on consumer behavior. Religiosity has a significant influence on consumer behavior. Financial literacy and religiosity have a simultaneous influence on the consumptive behavior variable of sharia economics students at IAIN Kerinci. From the results of the F test, the significance value obtained from the F test for variable Y was 0.000 < 0.05, and the Fcount and Ftable values ​​were 14,180 > 3.12. From the results of the R Square test, the coefficient of determination was obtained, namely 0.269, which means that the independent variables, namely financial literacy and religiosity, were influenced by the dependent variable, namely the consumptive behavior of sharia economics students at IAIN Kerinci, amounting to 0.269 or 26.9%. The remainder was 0.741 or 74.1%. which is influenced by other variables not examined in this research.
CONTRIBUTION OF KNOWLEDGE AND RELIGIOSITY TO INCREASE THE NUMBER OF CUSTOMERS AT ISLAMIC BANK Dwi Wahyuni, Dayang; Sentika, Dina; Salsabila, Aura
Asian Journal of Islamic Economic Studies Vol. 1 No. 2 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i2.4157

Abstract

This research was motivated by the use of conventional banks, which are more dominant than Islamic banks in Tapan. The purpose of this study is to determine the influence of the level of knowledge and religiosity on customer interest in choosing savings products at Bank Nagari Sharia Unit Tapan Branch. This research uses a quantitative research design. The population in this study is all people who use the Bank Nagari Sharia Unit Tapan Branch. Samples were taken using the Hair formula with a total sample of 55 people. The data analysis technique uses multiple linear regression analysis with the help of SPSS version 21. The results showed that partially and simultaneously, the variables of Knowledge and Religiosity had a significant and positive effect on interest in saving. This result can provide an overview to the bank to pay attention to the level of knowledge and religiosity of customers so that the number of customers increases. Some of them are by providing understanding to the public related to aspects of Sharia that must be considered.
THE INFLUENCE OF POCKET MONEY AND LIFESTYLE ON THE INTEREST IN SAVING FOR STUDENTS OF THE FACULTY OF ISLAMIC ECONOMICS AND BUSINESS IAIN KERINCI Yuliandari, Piari; Syukrawati, Syukrawati; Tiara, Tiara
Asian Journal of Islamic Economic Studies Vol. 1 No. 2 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i2.4161

Abstract

This study aims to determine the effect of Pocket Money and Lifestyle both simultaneously and partially on the interest in saving for students of the Faculty of Economics and Islamic Business IAIN Kerinci. This type of research is descriptive quantitative research. The population in this study is Febi IAIN Kerinci students majoring in Sharia Banking. The sample was determined using purposive sampling techniques, so that the respondents of this study amounted to 77 students. Data were collected using questionnaires. As for the data analysis technique using multiple linear regression analysis with the help of the SPSS program version 23. The results showed that both partially and simultaneously pocket money and lifestyle had a significant effect on the interest in saving for students of the Faculty of Economics and Islamic Business IAIN Kerinci. Keywords: Lifestyle; Interest in Saving; Student Pocket Money
ANALYSIS OF THE EFFECT OF RETURN ON ASSET (ROA), OPERATIONAL COSTS AND OPERATING INCOME (BOPO) ON MUDHARABAH PROFIT SHARING IN SHARIA GENERAL TIRES FOR THE 2015-2020 PERIOD Tika Enggal Saputri, Dedek; Mailindra, Wiyan; Sumanti, Eva
Asian Journal of Islamic Economic Studies Vol. 1 No. 2 (2024): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v1i2.4162

Abstract

This study aims to determine the retrun on asset (ROA) and operational costs and operating income (BOPO) on the profit sharing of mudharabah in Islamic commercial banks in Indonesia. The population uset in the study were 30 banks listed on the IDX and the total sample used 7 banks. In determining the sample, it uses random sampling with the criteria of Islamic banks that issue complete financial statement from 2015-2020. The analysis technique in this research is multiple analysis technique in order to get a comprehensiv picture between the relationship between one variable and another variable. In addition, the hypothesis test used is the t-test and f-test. Classical assision test which includes normality test, multicolinearity tets, heteroscedasticity test and autoccorelation tets were also used in this study. The results in this study show that the retrun on asset does not significantly affect the profit sharing of mudharabah, while operating costs and operating income also have no significant effect on the profit sharing of mudharabah. Keywords: Mudharabah Profit Sharing; Operating Costs; Operating Income; Retrun On Asset
MITIGATE THE IMPACT OF SOCIAL MEDIA MISUSE ON JUNIOR SCHOOL TEENAGERS THROUGH SMART, WISE EDUCATION IN SOCIAL MEDIA Alika; Mhd Safarudin Alhakim; Putri Rahmadhani Nasution; Salsabila Zahra Nst; Marlya Fatira; Ermyna Seri; Sri Wahyuni
Asian Journal of Islamic Economic Studies Vol. 2 No. 1 (2025): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v2i1.4651

Abstract

This community service program is carried out to mitigate the negative impacts of excessive social media activity on high school students. The aim is to improve the digital literacy of MTs Amaliyah Sunggal students. This program focuses on preventing the negative impacts of social media, such as cyberbullying and addiction, as well as teaching how to maintain privacy, avoid hoaxes, and maintain mental health. By involving students of the Medan State Polytechnic as facilitators, this activity offers educational seminars and training on digital literacy, provides time for using social media, and the importance of direct social interaction. A supervising lecturer supports the activity and produces scientific publications and educational videos. Through interviews with schools and knowledge transfer in academic seminars, this program provides educational solutions for the wise and safe use of social media. This activity costs IDR 618,000.00 (Six Hundred and Eighteen Thousand Rupiah). The activity results show decreased social media cases among students through interactive learning about internet ethics, risks, and impacts. In addition, students have a better understanding of the positive and negative impacts of social media. This program is expected to be sustainable through collaboration with various campuses in building digital literacy and intelligent and safe social media culture.
MUZAKKI LOYALTY: SYSTEMATIC LITERATUR REVIEW Alda; Aziz, Saipul
Asian Journal of Islamic Economic Studies Vol. 2 No. 1 (2025): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v2i1.4900

Abstract

This study aims to investigate the trend of Muzakki Loyalty in order to identify what research is needed in the future. In addition, it also explores the relationship model between how the current publication trend of Muzakki Loyalty and how the results of a systematic literature review direct future research. The design/methodology/approach in this study uses a systematic literature review and Meta-Analyses (PRISMA) analysis by reviewing articles published from 2014 to 2023. The PRISMA procedure involves several stages, including identification, screening, eligibility, analysis and conclusions based on the findings. The results of the study found that the trend with the keyword Muzakki Loyalty was not widely used or appeared in the article. With the more dominant keyword appearing, namely Zakat, which was used 15 times from 2016-2023. Furthermore, with the keyword Muzakky which was used 11 times from 2016-2023. And Muzakki Loyalty only appeared 1 time from articles starting from 2016-2023. Therefore, it can be concluded that the results of the study with the keyword muzakki loyalty are rarely used in articles. For this reason, further research can be done by adding OR, AND to add keywords so that the research can be broader..
SOCIALIZATION OF QRIS USED TO ACCELERATE FINANCIAL TRANSACTIONS FOR SMALL MICRO ENTERPRISE imami, Annisa; Oktavia Harahap, Annisa; Alifia Zahra, Falira; Rezeki, Mhd; Ritonga, Ritonga; Fatira AK, Marlya; Nuraini, Nuraini; Budi Prihatin, Titis
Asian Journal of Islamic Economic Studies Vol. 2 No. 1 (2025): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v2i1.4924

Abstract

These Community Services do socialize for small micro-enterprises to use QRIS to Facilitate Financial Transactions" with a case study in small micro-enterprises or mention as UMKM in the Medan Selayang Region aims to provide socialization and assistance regarding the cashless payment system through the use of QRIS barcodes. This training aims to increase MSMEs' knowledge of the cashless payment system and UMKM's understanding of using QRIS to develop business targets. This activity involves students of the Politeknik Negeri Medan who provide an understanding of the cashless payment system, the benefits of the cashless payment system, the payment system, and the ease of transacting through the DANA E-Wallet application. Through this program, UMKM partners are assisted starting from the DANA personal application registration stage, upgrading DANA premium and the feature of withdrawing funds via the application, the DANA Business registration stage, and the QRIS barcode issuance stage. It is hoped that this activity can increase the use of the cashless payment system to facilitate financial transactions between partners and consumers in the long term. This activity involves supervising lecturers and students from the Medan State Polytechnic, with the final target being scientific publications and community service videos. The results of the community service show that the low understanding of UMKM partners regarding the development of cashless payment systems and the use of QRIS barcodes has been overcome through socialization by the Implementation Team, which has succeeded in achieving 38% success of UMKM having QRIS for cashless payment facilities in their businesses and the absence of an Assistance Team for UMKM in mentoring related to the use of QRIS has been overcome by the existence of a community service program (PKM) carried out by students of the Islamic Finance & Banking Study Program, Accounting Department, Medan State Polytechnic on Jl. Dr. Mansyur and Jl. Abdul Hakim, Medan City, North Sumatra, increased the interest of business owners in the cashless payment system and its convenience.

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