JIMEBIS - Scientific Journal of Students Islamic Economics and Business
P-ISSN : 2746-489X E-ISSN : 2774-5864 JIMEBIS: Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam is a Scientific Journal of Islamic Economics and Business dedicated for students’ article co-authored with lecturers. The articles published in this journal is based on scientific research done during the study and discuss Islamic economics and business issues including Islamic banking and finance, fintech, and Islamic philanthropy. JIMEBIS will be published periodically for 6 (six) months on June and December each year. Indexed by : ​​Editorial Office : Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh
Role Stress And Compensation As Determinants Of Job Satisfaction Among Islamic Bank Employees In Banda Aceh City
Companies that assign workloads exceeding normal practices inevitably increase employees work burdens and lead employees to choose overtime in order to complete these tasks. High job demands tend to cause employees to experience stress. This condition should therefore be balanced with appropriate compensation provided by the company so that employees feel satisfied in their work. The purpose of this study is to examine the effect of role stress and compensation variables on employee job satisfaction at an Islamic bank in Banda Aceh City. The methodology employed a quantitative approach with an associative research design. A total of 61 employees of the Islamic bank were selected as the sample using random sampling techniques. Primary data were collected through questionnaires, and multiple linear regression analysis was used to test the research hypotheses. The results of the study indicate that role stress and compensation have a significant effect on employee job satisfaction at the Islamic bank in Banda Aceh City. Keywords: Role stress, compensation, job satisfaction
Copyright (c) 2025 Yulindawati, Akmal Riza, Nina Lufita https://creativecommons.org/licenses/by/4.0
The Influence Of Social Media And Influencer Marketing On Food & Drink Buying Interest At Moon Beach Club, Lhoknga, Aceh Besar
The researcher intends to test the influence of social media and influencer marketing on the interest in buying food & drinks at Moon Beach Club, Lhoknga, Aceh Besar. In theory, both variables influence buying interest. However, the researcher found phenomena and inconsistencies between the results of previous studies so that the researcher intends to re-test the influence of the two variables. The purpose of this study is to test and analyze the influence of social media and influencer marketing on the interest in buying food & drinks at Moon Beach Club partially and simultaneously. The research method used is a quantitative method with an associative type. Meanwhile, the data for this study are primary data obtained through a questionnaire with a total of 96 respondents. The results of the study indicate that social media and influencer marketing influence the interest in buying food & drinks at Moon Beach Club, Lhoknga, Aceh Besar. Keywords: Social Media, influencer marketing, purchase interest
Copyright (c) 2026 Ammar Fuad; Mirza Murni; Hafidz Farizi https://creativecommons.org/licenses/by/4.0
Promotion Strategy To Increase Engagement Through Instagram At Beeje Coffee Lhokseumawe
This research aims to analyze Instagram-based promotional strategies used by Beeje Coffee Lhokseumawe in increasing customer engagement. In the digital era, social media marketing has become essential for small businesses, especially those in the culinary industry. This qualitative descriptive study utilized interviews, observation, and documentation to examine how Beeje Coffee crafts its promotional content, utilizes Instagram features, and addresses limitations in digital engagement. The findings reveal that visual consistency, creative content, and audience interactivity significantly impact engagement metrics. However, the absence of structured planning and limited digital skills remain major obstacles. The study is supported by theories of promotional strategy, digital marketing, social media utilization, Instagram branding, and digital engagement. Keywords: Promotional strategy, instagram, engagement, visual, branding, digital marketing
Copyright (c) 2025 Anwar, Gebrina Raseki, Elvina, Lukman Hakim https://creativecommons.org/licenses/by/4.0
Risk Perception Has An Influence On The Decision To Use Action Mobile Banking At Bank Aceh
The decision of customers to utilize the AcTion Bank Aceh application as an alternative platform for conducting daily and business transactions. This study aims to examine the influence of risk perception on customers’ decisions to use AcTion mobile banking. Using a descriptive quantitative method and accidental sampling of 250 respondents in Aceh, the study tested its hypothesis through simple regression analysis. The study’s results demonstrate that the risk perception variable significantly affects the customer decision to use AcTion Bank Aceh. Keywords: Risk perception, customer decision
Copyright (c) 2025 Ammar Fuad, Akmal Riza https://creativecommons.org/licenses/by/4.0
Analysis Implementation Of Accounting Information Systems In Supporting Internal Control Of Rahn (Pawn) Financing At Darussalam Syariah Pawnship Banda Aceh
Accounting Information Systems (AIS) play a vital role in strengthening the governance of Islamic financial institutions, particularly in ensuring transparency, accountability, and compliance with sharia principles. This study aims to analyze the implementation of AIS in supporting internal control of Rahn (pawn) financing at Pawnship Syariah Darussalam Banda Aceh. The study employs a descriptive qualitative method; with data collected through interviews, observations, and documentation. The results indicate that AIS is integrated into all operational stages of Rahn financing, from customer data recording, collateral appraisal, and financing disbursement to repayment. Features such as audit trails, access authorization, automatic notifications, and real-time reporting were found to enhance internal control. However, challenges remain, including data entry errors and limited human resource competencies. The study concludes that AIS implementation at Pawnship Syariah Darussalam Banda Aceh contributes significantly to internal control effectiveness, though improvements in staff training and system development are still required. Keywords: Accounting information systems, internal control, rahn financing, pawnship syariah
Copyright (c) 2024 Evriyenni, Natasya Ramadhani, Nevi Hasnita, Rahmah Yulianti https://creativecommons.org/licenses/by/4.0
Analysis Of Customer Understanding Of The Murabahah Contract Concept In Mitraguna Financing At Bank Syariah Indonesia, Langsa Branch: A Review Of Practice And Sharia Principles
The development of Islamic banking in Aceh Province, particularly in Langsa City, is becoming increasingly competitive, highlighting the importance of public understanding as part of Islamic financial literacy. The purpose of this study is to analyze the understanding of the people of Langsa City regarding Mitraguna Bank Syariah Indonesia (BSI) financing products and their implications. The research used a descriptive qualitative method with data collection techniques through observation, structured interviews with 10 Mitraguna BSI customers in Langsa City who are payroll employees, and documentation studies. The results of the study reveal that the majority of informants interviewed were in the “Less Understanding” category regarding the sharia principles of BSI Mitraguna products. The factors causing this low level of understanding include a lack of in-depth socialization from the bank and a lack of background knowledge of sharia finance among customers. As a result, customers tend to focus on the ease of access and financial benefits of the product without paying attention to their understanding of the sharia contract and obligations attached to it. The research conclusion shows that there is a gap between product utilization and understanding of the accompanying sharia principles. Therefore, this study recommends the need for more effective education and communication strategies from BSI to improve customers' sharia financial literacy, thereby mitigating risks and ensuring the sustainability of healthy products. Keywords: Customers understanding, murabahah contract, mitraguna financing
Copyright (c) 2025 Muhammad Dayyan, Nurul Afni, Muhammad Yahya https://creativecommons.org/licenses/by/4.0
Analysis of Challenges And Opportunities For The Development Of Syariah Cooperates In The Digital Era (Study of Sharia Cooperative Solution With Lamlhom)
Digitalization also opens up new opportunities for Islamic cooperatives in developing products and services that are in line with Islamic law. Challenges also accompany the digitalization of Islamic cooperatives, such as data security and privacy risks. This study aims to analyze the challenges and opportunities for the development of the Lamlhom Islamic Cooperative in the digital era. The method used is a qualitative approach with field study research. The results of this study found that the main challenges include limited human resources, low digital literacy, infrastructure constraints, and the role of the Sharia Supervisory Board. However, digitalization enhances service efficiency, accelerates transactions, and attracts younger generations. The implementation of the USSI application supports accountable data management. Adaptation efforts are carried out through internal training and a hybrid system. Management support and member enthusiasm are important social capital in the digital transformation of Islamic cooperatives. Keywords: Sharia cooperatives, digitalization, challenges, opportunities.
Copyright (c) 2025 Seri Murni, Afdhalurrajul https://creativecommons.org/licenses/by/4.0
How Motivation, Knowledge, And Technology Shape Investment Interest In The Sharia Capital Market
In the rapid development of information technology and the economy Currently, the capital market is very familiar to students. But the lack of awareness of the importance of investment for the future becomes the problem of a lack of investors (students) in investing in the capital market. The Islamic capital market is simply a place or means of meeting between demand and supply of short-term and long-term financial instruments. This research aims to analyze the influence of investment motivation, investment knowledge and technological progress on investment interest in the capital market sharia with research subjects of FEBI UIN Ar-Raniry Banda Aceh students. Testing the hypothesis using the validity test method, analysis multiple linear regression and classical assumption testing. Retrieval technique sample using stratified random sampling, with a sample that was taken by 100 students. The data used is primary data or direct data sourced from students who are in the location study. The results of the study found that motivated investment and technological progress have a positive and significant effect on the interest of FEBI students in investing in the Capital Market Sharia, while the investment knowledge variable has no significant effect on the interest of FEBI students partially. Next by Simultaneously all independent variables affect interest FEBI students in investing in the Islamic Capital Market. Keywords: Motivation, knowledge, technological progress, investment interest, sharia capital market
Copyright (c) 2026 Azimah Dianah, Cut Dian Fitri, Muhammad Haikal https://creativecommons.org/licenses/by/4.0
THE IMPACT OF SERVICE QUALITY ON CUSTOMER SATISFACTION AT BMT TAMAN INDAH, BAITUSSALAM DISTRICT, ACEH BESAR REGENCY
Service quality is an action and effort undertaken by businesses or companies to provide satisfaction to customers. Customer satisfaction or dissatisfaction is the customer's response to the evaluation of perceived discrepancies between prior expectations and the actual performance of the product perceived after its use. The satisfaction levels among consumers tend to differ from one another, and this occurs due to various factors such as age, occupation, income, education, gender, etc. Based on initial observations, the Islamic Cooperative (BMT) often experiences delays in providing services, such as fund disbursement or other transaction processes. This can make customers feel dissatisfied and unappreciated. The purpose of this research is to determine the extent of the influence of service quality on the level of customer satisfaction at BMT Taman Indah in the Baitussalam District. The research employed a field research approach with a quantitative method, distributing questionnaires to 93 respondents. The sample selection technique used the Slovin formula, and data analysis was performed using simple linear regression analysis. The results of this study indicate that in the t-test (partial), service quality has a positive and significant influence on customer satisfaction at BMT Taman Indah in the Baitussalam District.
Copyright (c) 2025 Nafisul Hibban, Dara Amanatillah, Ayumiati https://creativecommons.org/licenses/by/4.0
Promotion Strategies And Product Innovation As Determinants Of MSME Income: A Sharia Marketing Approach (Case Study In Kopelma Darussalam)
Micro, Small and Medium Enterprises (MSMEs) have an important and strategic role for economic growth in Indonesia. The existence of MSMEs has the potential to increase income for business actors by implementing the latest promotional strategies and innovations that can provide innovation in business. Based on sharia marketing, promotions must be based on sharia compliance, which reflects the truth, justice and honesty of society, while product innovation is very important to carry out in the hope of maintaining the beneficial value of a particular product for consumers. This research aims to determine the influence of promotional strategies and product innovation on the income of MSMEs in Kopelma Darussalam. This research uses a quantitative method with an associative approach through distributing questionnaires using Roscoe, the data analysis method used in this research is the classical assumption test, multiple linear regression test and hypothesis testing using SPSS 22 software. The results of the research show that, partially and simultaneously, promotional strategy and product innovation variables have a significant effect on the income of MSME traders in Kopelma Darussalam. Keywords: Promotion strategy, product innovation, income, and MSMEs.
Copyright (c) 2026 Devi Putriana, Dara Amanatillah, Muhammad Zulhilmi https://creativecommons.org/licenses/by/4.0
The Influence Of Brand And Price On The Purchase Decision Of Sneakers Among Generation Z In Banda Aceh
A purchase decision is an action taken by consumers to purchase a desired product or service. Brand and price are two factors among other factors that can influence purchasing decisions, especially among generation Z. Therefore, it is important to understand the influence of brand and price on purchasing decisions to design effective marketing strategies. Therefore, it is important to understand the effect of brand and price on purchasing decisions to design effective marketing strategies. This study aims to analyze the effect of brand and price on purchasing decisions for sneakers by generation Z in Banda Aceh. This study uses a quantitative approach method with data analysis methods using multiple linear regression. The data collection technique was carried out by distributing questionnaires. The results showed that the brand and price variables had a significant effect on purchasing decisions. Simultaneously, brand and price together have a significant effect on purchasing decisions for sneakers for generation Z in Banda Aceh. Keywords: Brand, price, purchase decision
Copyright (c) 2026 Nanda Juliandi, Hendra Syahputra, Cut Elfida https://creativecommons.org/licenses/by/4.0
Analysis Of Farmers' Perceptions Of The Need For Agricultural Financing Products At Islamic Banks (Study on The Community of Serba Jadi Subdistrict, East Aceh Regency)
Financing agricultural products in Serba Jadi District is a need for pre- and post-harvest farmers in increasing product excellence. The existence of Islamic banks which are far away and difficult to access has not made a significant contribution in increasing financial inclusion. This study aims to identify the level of farmers' perception of agricultural financing needs. Quantitative approach with associative research type and probability sampling technique with cluster random sampling type of 94 farmers in 18 villages in Serba Jadi District, East Aceh Regency. The results of simple linear regression data analysis prove that the level of farmer perception has no effect on agricultural financing needs.
Copyright (c) 2025 Evy Iskandar, Ayumiati, Kasri Effendi; Ivon Jalil https://creativecommons.org/licenses/by/4.0
Exploring The Impact Of E-Commerce And Digital Skills On The Consumptive Behavior Of Muslim Generation Z In Banda Aceh
The advancement of digital technology has significantly influenced consumer behavior, particularly among Generation Z, who are closely connected with e-commerce and digital tools. This study aims to analyze the influence of e-commerce and digital skill on the consumptive behavior of Muslim Generation Z in Banda Aceh. A quantitative approach was used through a survey of 100 purposively selected respondents. Data were collected via online questionnaires and analyzed using multiple linear regression. The results show that both e-commerce and digital skill have a positive and significant influence on consumptive behavior, both partially and simultaneously. E-commerce measured by cost efficiency, platform reputation, and transaction ease contribute to impulsive buying behavior. Digital skill including the ability to assess digital information, use social media, and engage in online transactions also increases consumption tendencies, particularly in the absence of ethical awareness. The coefficient of determination (R²) value of 0.637 indicates that 63.7% of the variance in consumptive behavior can be explained by the two variables. These findings are crucial in the context of Muslim communities, where excessive consumption contradicts Islamic values such as tabzir (wastefullness) and israf (extravagance). The study suggests promoting Islamic-based digital literacy to balance technological competence and consumption control.
Copyright (c) 2026 Teuku Syifa Fadrizha Nanda, Rika Mulia, Sulis Mutiara https://creativecommons.org/licenses/by/4.0
Potential Of Indonesian Millennial Cash Waqf And Innovation
Cash waqf is one of the potential financial instruments in supporting social and economic development in Indonesia. The millennial generation, with its strong connection to digital technology, has great potential to increase participation in cash waqf through digital innovation. This study aims to analyze the potential of cash waqf among the millennial generation in Indonesia and identify innovations that can enhance such participation. Through a descriptive approach and qualitative analysis of relevant literature, this study finds that technological innovations, such as digital platforms and mobile applications, can expand the reach and transparency of cash waqf management. The estimated potential of cash waqf from millennial participation ranges from IDR 684 billion to IDR 2.052 trillion per year, depending on the level of participation. The results of this study indicate that with the right approach, cash waqf can become a significant instrument to support sustainable development in Indonesia. Keywords: Cash waqf, millennial generation, innovation and digital technology
Copyright (c) 2025 Jalaluddin, Muhammad Fitrah Insani, Khair Juzaili https://creativecommons.org/licenses/by/4.0
The Effect Of Promotion, Service Quality And Administration Of Voting Interest Sharia People's Business Credit In PT. Pegadaian Syariah
The Influence of Promotion Factors, Service Quality and Administration on Customer Interest in Choosing Sharia People's Business Credit (KUR) Products at PT. Pegadaian Syariah Banda Aceh City. The purpose of this study is to analyze the influence of these factors on customer interest in using the People's Business Credit (KUR) product. This study employed a quantitative method, utilizing primary data sources and a questionnaire-based data collection technique distributed through simple random sampling, targeting active customers who have chosen the People's Business Credit (Kredit Usaha Rakyat, KUR) products at PT. Pegadaian Syariah, Banda Aceh. The sample consisted of 85 respondents, and multiple linear regression analysis was used to test the hypotheses. The results of the multiple linear regression analysis assisted by SPSS, found that partially the service quality variable has a significant positive effect on customer interest, while the promotion and administration variables do not affect customer interest. However, the three independent variables simultaneously have a positive effect on Customer Interest in Choosing Sharia People's Business Credit (KUR) Products at PT. Pegadaian Syariah Banda Aceh City. Keywords: Promotion, service quality, administration, customer interest, KUR
Copyright (c) 2025 Cut Merah Manyang, Ismuadi Usman, Ismail Rasyid Ridla Tarigan https://creativecommons.org/licenses/by/4.0
Determinants Of Repurchase Intention Of Muslim Fashion Products On The Shopee Marketplace Among Generation Z
This study aims to analyze the effect of product quality, prices, shopping experience, and trust on repurchase interest in Muslim fashion products in the Shopee marketplace. The study utilized primary data, with a quantitative approach, and Generation Z in Banda Aceh City as the population. The sample size consisted of 115 respondents, selected using non-probability and purposive sampling methods. The data were analyzed using multiple linear regression with SPSS. The research finding indicate that the price variable had a notable effect on repurchase interest, while the variables of product quality, shopping experience, and trust did not affect repurchase interest. Meanwhile, the variables of product quality, prices, shopping experience, and trust affect repurchase interest simultaneously. In accordance with those findings, the sellers are supposed to prioritize competitive pricing strategies to increase repurchase interest. The merchants are suggested to improve product quality and build consumer trust to increase customer loyalty. Future researchers can probe into the role of each variable in the context of different products and platforms. Keywords: Muslim clothing, shopee marketplace, generation Z
Copyright (c) 2025 Nurul Wirda, Khairil Umuri, Junia Farma, Muftahuddin, Najla https://creativecommons.org/licenses/by/4.0
The Role Of Sharia Pawnshops In The Increasing MSME Capital And Community Income (Study of The Takengon Branch Service Unit, Central Aceh)
The development of Micro, Small and Medium Enterprises or MSMEs is growing rapidly in Indonesia, including in Takengon. This also makes business actors need capital, one of which is through a pawn system. Because Aceh has made all financial institutions sharia legal, the focus role in this case is Sharia Pawnshops. This research uses a descriptive qualitative method which refers to the product marketing strategy at Sharia Pawnshops which has succeeded in increasing customer interest through socialization, promotions and advertising. This product is an Ar-Rahn product. With the continuity of all this, this also influences the increase in community income.
Copyright (c) 2025 Seri Murni, Ika Wahyusari https://creativecommons.org/licenses/by/4.0
Generation Z And Sharia Finance: UIN Ar-Raniry Students' Perceptions Of Bank Indonesia's Savings Products
In the current digital era, students are increasingly dependent on Islamic bank savings products to meet their daily transaction needs. Although in general students are satisfied with one savings product, dissatisfaction with the product they have encourages them to open an account at another sharia bank. This shows that product and service quality is the main factor in choosing savings products for students. The aim of this research is to determine the perceptions of students at the Islamic Economics and Business Faculty of UIN Ar-Raniry towards Bank Syariah Indonesia savings products. This research method uses qualitative, with interview and documentation techniques. The results of the perception research are based on three aspects: 1) The assessment aspect, some students gave an assessment while using Bank Syariah Indonesia's savings products as very good. 2) In the response aspect, the majority of students agree and are greatly helped by the presence of Bank Syariah Indonesia savings products in the student environment. 3) Opinion aspect, all students stated that Bank Syariah Indonesia's savings products were very relevant to what was needed, both internal and external needs. Keywords: Perception, response, opinio, savings products
Copyright (c) 2025 Isnaliana, Ismail Rasyid Ridla Tarigan, Andri Maulana https://creativecommons.org/licenses/by/4.0
The Influence Of Accountability, Transparency And Supervision On Budget Performance At Higher Education Service Institutions (LLDIKTI) Region XIII Aceh
This study aims to analyse the effect of accountability, transparency and supervision on budget performance at LLDIKTI Region XIII Aceh. This research is a type of causal associative research with a quantitative approach. The research sample was employees at LLDIKTI Region XIII Aceh, totalling 99 employees using the census technique. Accountability, Transparency and Supervision variables on budget performance are measured using a Likert scale, and data obtained by distributing questionnaires to respondents. Data analysis using statistical analysis of correlation and multiple regression models with the help of SPSS 25 software. To test each item on each variable, validity and reliability tests have been carried out as an instrument. The results of the analysis show that simultaneously there is an influence between Accountability, Transparency and Supervision on budget performance. The results of the F test obtained Fcount> Ftabel or (63.924> 2.70) and a significant test that the p value of 0.000 < p set at 0.05 which means significant. Partial test results show that: 1. Accountability affects budget performance with Thitung 4.791> Ttabel 1.660 and p value 0.000 < p 0.05 means significant. 2. Transparency affects budget performance with Thitung 5,263> Ttabel 1,660 with a p value of 0.000 from <0.05 means significant. 3. Supervision affects budget performance with Thitung 2.968> Ttabel 1.660 with a p value of 0.002 from <0.05 means significant.
Budget performance, accountability, transparency, supervision
Copyright (c) 2024 Eliana Ilyas, Farah Ivana, Sisca Mediyanti, Ainul Ridha, Masri
Analysis Of The Islamic Bank Cash Withdrawal Service System For Foreign Tourists (A Case In Aceh Tengah Indonesia)
Aceh Tengah is highland that attracts many tourists from domestic or foreign countries in Aceh. Bank Syariah Indonesia (BSI) of the Islamic banks that plays an important role regarding the cash withdrawal process by foreign tourists in Aceh Tengah District, Aceh Province, Indonesia. The study aims to determine how BSI facilitates cash withdrawal services in Aceh Tengah. This study used a qualitative method with a descriptive field approach from foreign tourists that visiting Aceh Tengah. The results of this study indicate that there are several obstacles experienced by tourists in the cash withdrawal process, such as some of their bank cards are not supported by the available ATM (Automated Teller Machine) even through the Teller counters would have been not accessible for them. It is expected that this study will highlights the needs of upgrading system for Islamic banks that operating in Aceh Tengah for foreign tourists in using cash withdrawal services.
Copyright (c) 2024 Dinda Tiaranita, Inayatillah Djakfar, Rika Mulia
The Role Of Waqf Property Buildings For Beneficiaries
The Tahfidzhul Quran Sulaimaniyah Habibie Center Aceh Besar Islamic Boarding School building is a temporary waqf property resulting from collaboration between the Sulaimaniyah Foundation and the Habibie Center Foundation. There are many permanent waqf building assets whose benefits are less than optimal for mauquf 'alai'ih throughout Indonesia, including in Aceh. This is because the abilities and strategies of waqf managers (nazhir) are still lacking in managing waqf assets professionally. This study aims to determine Nazir's strategy in managing and utilizing waqf land and buildings at the Sulaimaniyah Habibi Center Islamic Boarding School. The research uses a qualitative approach to sources namely Nazirs, Islamic boarding school students, Islamic boarding school alumni, village imams and local communities by collecting data using observation, interviews and documentation techniques. The data analysis method uses data reduction techniques, data presentation, and drawing conclusions. The results of the research show that Nazir's strategy in managing and utilizing waqf property buildings is by managing and utilizing ZIS (Zakat, Infaq and Alms) funds and waqf goods according to their designation as Islamic boarding school operational costs for the continuity of student learning.
Copyright (c) 2024 Jalaluddin, Hafas Furqani, Ilham
Effects Of Brand Image, Rate Of Profit-Sharing Ratio, Contract Application, And Trust On The Customers’ Decision To Save At Islamic Banks
The rapid development of Islamic bank has resulted in business competition. This study analyzes the influences of brand image, rate of profit-sharing ratio, contract application, and trust on customers’ decision to save at Islamic banks. The all Islamic banks in Yogyakarta City are the objects in this study, this study uses a questionnaire to collect as many as 100 respondents as the samples, that is, the customers of Islamic banks. This study uses the quantitative method with multiple linear regression analysis. The study shows that brand image positively and significantly influences the customers’ decision to save at Islamic banks, with a value of 0.00 < 0.05. The Rate of profit-sharing ratio positively and significantly affects the customers’ decision to save at Islamic banks, with a value of 0.02 < 0.05. The contract application positively and significantly influences the customers’ decision to save at Islamic banks, with a value of 0.05. Trust positively and significantly impacts the customers’ decision to save at Islamic banks, with a value of 0.02 < 0.05. Simultaneously, brand image, rate of profit-sharing ratio, contract application, and trust positively and significantly influence the customers’ decision to save at Islamic banks.
Copyright (c) 2024 Erika Rizkina, Mufti Alam Adha, Andy Putra Wijaya
Utilization of Social Media as A Business Tool Among Students in The Perspective of Islamic Business Ethics
The utilization of social media refers to the use of digital platforms that enable interaction and sharing of content in the form of text, images, and videos, for various purposes such as communication, marketing, education, and more, including online businesses. Therefore, it is crucial for students who are frequently engaged with social media to maximize its potential for something more productive, such as running a business in accordance with Islamic business ethics. This research aims to explore the role, challenges, and constraints of social media as a business tool among students of the Faculty of Economics and Islamic Business at UIN Ar-Raniry, Banda Aceh, from the perspective of Islamic business ethics. The study employs a qualitative method with a descriptive approach, conducting in-depth interviews with students actively involved in online business. The informants interviewed for this research include 1 member of PINBIS, 2 academic experts, and 7 students. The results indicate that the utilization of social media as a business tool among students at FEBI UIN Ar-Raniry, Banda Aceh, is well underway but not yet optimal. Not all students can leverage social media as a business tool in line with the perspective of Islamic business ethics, resulting in only a few students starting their online businesses.
Copyright (c) 2024 Azimah Dianah, Cut Dian Fitri, Zakia Hawari
Determinants Of Purchasing Decisions In Tik Tok Shop E-Commerce With Trust As A Mediating Variable
This study aims to examine the effect of security and Sharia compliance on purchasing decisions in the e-commerce TikTok Shop with trust as a mediating variable. The sample in this study were active undergraduate students at USK totaling 85 people who were taken based on the Hair formula and analyzed using the path analysis model. The results of this study found that security and sharia compliance had a positive effect on trust. Security, Sharia compliance, and trust have a positive effect on purchasing decisions. In the Sobel test, the indirect effect shows that security and Sharia compliance have a positive influence on purchasing decisions through trust as a mediating variable. Further research can take other supporting factors that have not been used in this study
Copyright (c) 2024 Milda Munadia, Khairil Umuri, Dewi Suryani Sentosa, Eka Nurlina
Persepsi Dosen dan Karyawan Universitas Islam Negeri Ar-Raniry Terhadap Murabahah Bank Syariah
Murabahah financing is a financing product that dominates the distribution of financing funds in Islamic banks. This study aims to determine the perceptions of lecturers and employees of FEBI UIN Ar-Raniry on murabahah financing at Islamic banks in Aceh. This research belongs to the type of descriptive qualitative research with primary data collection (through the distribution of interview questions) to lecturers and employees of FEBI UIN Ar-Raniry. The results of this study indicate that as many as 59.1% of participants stated that the mechanism and implementation of murabahah financing contracts in Islamic banking in Aceh was in accordance with sharia principles
Persepsi Ulama Dayah Terhadap Konversi Bank Konvensional (Studi Kasus Di Kota Banda Aceh)
After the conversion of conventional banks to sharia banks, people still think that there are no significant differences in the operational system of sharia banks except just changing the name, changing the term interest to profit sharing and several other small things that are not significant. This research aims to analyze the perceptions of ulama regarding the conversion of conventional banks to sharia banks in Banda Aceh. This research uses descriptive qualitative methods. Data was obtained by interviewing related parties such as ulama and community leaders. The research results show that according to the perception of ulama, the conversion of conventional banks to sharia banks is in accordance with the Islamic banking system because there is a Sharia Supervisory Board, although it still requires improvement. According to them, this conversion is the right thing and indeed should be carried out considering the existence of the Qanun on Sharia Financial Institutions in Aceh.
Copyright (c) 2023 Muhammad Arifin, Ismuadi Usman, Alfatan Fadhillah
Students' Interest In Investing In The Sharia Capital Market
The Indonesia Stock Exchange (IDX) stated that youth, including students, have considerable potential to become stock investors. One of the main targets of capital market investors and Islamic capital markets is students. This study aims to determine whether knowledge, Socialization, and education influence the interest in investing in the Islamic capital market students of the Faculty of Islamic Economics and Business Ar-Raniry State Islamic University Banda Aceh. This research is a quantitative study in which samples were taken from as many as 332 respondents using a probability sampling technique. This probability sampling technique includes several techniques, but the researcher chose the simple random sampling technique because the sample members from the population were taken randomly without regard to the strata in the population. The data type used is primary data, which distributes the questionnaire via Google Forms. The research data analysis method used the Structural Equation Modeling (SEM) method with the Partial Least Square (PLS) approach and SmartPLS software's help. The results of this study indicate that the knowledge variable has a positive and significant effect on the interest in investing in the Islamic capital market. The socialization variable also has a positive and significant effect on the interest in investing in the Islamic capital market, and the education variable also has a positive and significant effect on the interest in investing in the Islamic capital market. Based on the R2 test, the influence exerted by the independent variables (knowledge, outreach, and education) on the dependent variable (intention to invest in the Islamic capital market) is 52.4%. In contrast, the rest is influenced by other variables not included in this study.
Copyright (c) 2023 hafidhah hafidhah, Hafas Furqani, Aja Fitria Millati
Peranan Media Sosial Dalam Meningkatkan Minat Berkunjung Wisatawan Di Kota Sabang
One technology that is developing rapidly and is part of communication technology is social media. Among various social media currently available, the three most used social media are Facebook, YouTube and Instagram. Facebook is the first social media that makes people in the world connected to each other and continues to develop its features so that it is difficult for old users to leave it. YouTube is a social media that allows someone to upload videos that they have for a long time. Instagram itself is popular because of its practical and simple way of using it. The aim of this research was to see how big a role social media plays in attracting tourists to visit Sabang City. This research was quantitative descriptive. The research method used was simple linear regression. The independent variable used was social media with the indicator being social media which is often used as promotional media such as Facebook, YouTube and Instagram, while the interest in visiting tourists to Sabang City was used as the dependent variable. The influence of social media in increasing tourist interest in the city of Sabang will be measured using the t test. Data collection was carried out by distributing questionnaires to tourists, both local and foreign. The research results show that the regression equation obtained is Y = 39.832 + 0.716X. The results of the t test show that the t count is 2,883, which means the t count is greater than the t table and shows the influence of social media on tourists' interest in visiting Sabang City. The coefficient of determination produces a figure of 12.7%, which shows that social media has an influence of 12.7% on tourist interest in visiting and the remaining 87.3% is influenced by other factors outside the model.
Copyright (c) 2023 Intan Cahyani Rachman, Yusmika Indah, Anwar, Rahmi Raihan
Pengaruh Harga, Kepercayaan dan E-Wom Terhadap Minat Beli Ulang Permasi Textile Banda Aceh
This study aims to determine the effect of Price, Trust and Electrical Word Of Mouth simultaneously on repurchase interest at the Banda Aceh Textile Permasi Store. The method used is a causal associative method that aims to determine the influence or relationship between two or more variables in a study. Determination of this study sample using accidental sampling technique. The sample used in this study was 96 consumers in textile permasi Banda Aceh who had purchased products more than once and were willing to become respondents. The analysis method applied is multiple linear regression analysis. The results showed that the price partially affected the repurchase interest in Permasi Textile Banda Aceh. Trust partially affects repurchase interest in Permasi Textile Banda Aceh. Electric Word Of Mouth partially affects repurchase interest in Permasi Textile Banda Aceh. Price, Trust and E-WOM simultaneously affect repurchase interest in Banda Aceh textile permasi. The increase in repurchase interest is determined by Price, Trust and E-Wom the more affordable the price, the stronger the trust and the high E-Wom owned by business actors, the greater the opportunity for companies to increase consumer repurchase interest.
Copyright (c) 2023 Syahrul Maulidi, Marlizar, Mahfud Al Rizky
Pengaruh Pengetahuan dan Modal Minimal Terhadap Minat Investasi Mahasiswa UIN Ar-Raniry
Access to the Islamic Capital Market makes it easier for all people, including students, to invest in Islamic stocks. This study aims to analyze the effect of investment knowledge and minimum capital variables toward the intention at student of Economics and Islamic Business Faculty (FEBI) - Ar Raniry State Islamic Univesity in investing on the Islamic Capital Market Islamic. This study uses a quantitative approach by multiple linear regression analysis, and it processed proportionate stratified random sampling with data sourced from questionnaires of 96 students as samples. The results of the study show that: Partially, investment knowledge has no effect on investment intentions, in contrast to minimal capital, which has an effect on student investment intentions. Meanwhile, simultaneously it shows that the two independent variables have effected on students' intention in investing in the Islamic Capital Market.
Copyright (c) 2023 Evy Iskandar, Rizki Dara Vonna