J-EBIS (Jurnal Ekonomi dan Bisnis Islam)

Pengaruh Kemudahan, Ketersediaan Fitur Dan Manfaat Terhadap Kepuasan Nasabah Pengguna Bsi Mobile Di Kecamatan Ilir Barat Kota Palembang

2023-12-31T22:00:07+07:00

Technology has an important role in life, and one of them is in the banking world. The technology adopted by banking and useful for providing services to every customer is mobile banking, such as at Bank Syariah Indonesia, namely BSI Mobile. This research aims to determine the effect of convenience, features, and benefits on customer satisfaction with BSI mobile users in Ilir Barat I, Palembang City. The data analysis method used is a quantitative method with data analysis techniques using multiple linear regression equations. Data collection used a questionnaire with a sample size of 75 respondents. The research results showed that the variables of convenience, features, and benefits partially and simultaneously influence customer satisfaction with BSI Mobile users in Ilir Barat District, Palembang City.

Determinants Transact Using Bi Fast Transfer Service On Bsi Mobile

2023-12-31T22:03:54+07:00

The current development of technology 4.0 shows the progress of application transactions in Islamic financial institutions. It does not rule out possibilities like BSI Mobile with its BI Fast service. BI Fast service is a transfer transaction service between Bank Syariah Indonesia and other conventional banks with a fee of Rp. 2,500 per transaction. The research used is quantitative research with primary and secondary data. Data collection is carried out by distributing questionnaires. The sampling technique is a random sampling technique of 30 respondents from UIN students Prof. K. H. Saifuddin Zuhri Purwokerto. The data analysis used is a reliability test, validity test, basic assumption test (normality test, descriptive analysis test, and linearity test). Then for hypothesis tests using (t test, F test, and R2 determination coefficient test) and multiple tests. For data management, it uses the SPSS 25 application in 2023. Use of BI Fast application on BSI Mobile. Based on the data processing, it was concluded that there is an influence of financial literacy on transactions using BI Fast BSI Mobile services, there is no effect of convenience on transactions using BI Fast BSI Mobile services, and there is no influence of trust on transactions using BI Fast BSI Mobile services. And simultaneously the three variables of financial literacy, convenience, and trust do not affect transactions using BI Fast BSI Mobile services

Uncovering Local Cultural Values Behind Income Accounting Practices By Ilabulo Sellers: Islamic Ethnomethodology Study

2023-12-31T22:12:29+07:00

This study aims to reveal the local cultural values behind income accounting practices by ilabulo sellers. This study uses an Islamic paradigm with an Islamic ethnomethodological approach. The results of the study show that ilabulo sellers use their income to finance personal needs, such as making this income as capital to return to selling ilabulo, finance household needs, and in addition to their children's snacks. Furthermore, the ilabulo sellers use their income to share among themselves, such as with scavengers. The income accounting practice is driven by compassion (motoliango). In the culture of the Gorontalo people, there is lumadu (expression) “delo tombowata lo tabo wau labiya" which means like a mixture of fat and sago. This expression contains the meaning of a sakinah household life. "Diila o'onto, bo wolu-woluwo" means invisible, but there. This phrase teaches that in life, do not just chase what is visible but also look for something that is not visible but exists. The following research recommendation is to examine accounting practices by sellers of traditional food in the form of binthe biluhuta. The implication of this research is to present accounting practices by Ilabulo sellers based on local cultural values.

Analisis Willingness To Pay (WTP) Pengunjung Wisata Hutan Mangrove Kuala Langsa

2023-12-31T22:19:13+07:00

This study analyzes the factors that influence visitors' willingness to pay for efforts to preserve the Kuala Langsa Mangrove Forest and analyze the magnitude of the value of visitors' willingness to pay for efforts to preserve Kuala Langsa Mangrove Forest tourism. This research is quantitative research. The type of data used in this research is primary data. There is a relationship between the independent variable and the dependent variable in multiple regression so that a formula is obtained Y = -1.238 + 0,330X1 + 0,219X2 + 0,073X3+ 0.214X4+ e then it is known that the determination value is R2 = 0.900. This means that 90% of willingness to pay can be explained by the independent variables, namely education level, income, frequency of visits and environmental knowledge simultaneously. The findings of this research can support the development of more effective environmental education programs to increase public awareness. In an economic context, this information can be the basis for optimizing income from Mangrove Forest tourism by adjusting facilities and activities to the preferences and financial capabilities of visitors who have a high Willingness to Pay Analysis.

Productive And Consumptive Zakat Among The Mustahik-Owned Super-Micro Businesses During The Covid-19 Pandemic Period: A Qualitative Approach

2023-12-31T22:38:41+07:00

Zakat serves as a crucial instrument for wealth redistribution aimed at reducing social inequality, particularly amidst the impacts of the COVID-19 pandemic. The implementation of zakat is imperative to stimulate significant contributions to both productive and consumptive zakat distributions. This research endeavors to delineate and chart the proportional distribution of productive and consumptive zakat to super-micro business mustahiks during the COVID-19 pandemic. Employing a qualitative approach involving literature review and in-depth interviews, this study aims to achieve a comprehensive understanding and mapping of mustahik. The study revealed that consumptive zakat is earmarked for mustahiks falling within the faqir category among the eight asnaf. Conversely, productive zakat is allocated to mustahiks classified as poor within the eight asnaf, prioritizing those who already possess a business, demonstrate expertise in specific fields, and hold a market share. The implication of this research underscores that by meticulously mapping and allocating zakat according to the needs and categories of mustahik, Islamic Social Finance (ISF) institutions can provide suitable assistance aligned with the economic conditions of the recipients. To ensure equitable and targeted distribution of productive and consumptive zakat, it is imperative to bolster public comprehension of zakat, conduct outreach regarding the distribution process, and develop an efficient mapping system.

The Influence of Knowledge, Perceptions, and Preferences on Customer Behavior Through Religious as An Intervening Variable

2023-12-31T22:26:31+07:00

This study analyzes the impact of knowledge, perceptions, and preferences on customer behavior through religiosity as an intervening variable at Bank Aceh Syariah Aceh Tamiang Regency. This study employs field research with a sample size of 96. The data analysis technique used is PLS-SEM version 3.0, which includes Outer Model, Inner Model, and Hypothesis Test analysis. The findings indicate that knowledge has a direct positive effect on customer behavior, and that knowledge through religiosity also has a positive and significant impact. Perception variables have a positive but insignificant effect on customer behavior, while religiosity has a positive and significant effect on perception. Preferences have a positive but insignificant effect on customer behavior, while religiosity has a negative and insignificant effect on preferences. Additionally, religiosity has a positive and significant effect on customer behavior at Bank Aceh Syariah Aceh Tamiang Regency. The implications of this research can serve as a reference for academic studies by government officials, Islamic banking practitioners, and the wider community to support scientific development, products, and technology in the future development of Islamic banks. Further research should consider additional and intervening variables for maximum results.

Analysis of Financial Planning and The Factors that Influence It: Student Case Study

2023-12-31T22:28:43+07:00

This research aims to determine the effect of financial literacy, financial behavior and self-control on student financial planning. This research is a quantitative study of 213 respondents using simple random sampling technique with the requirement that students have taken financial planning courses. Data analysis using SmartPLS with two model tests. The results obtained are that financial literacy, financial behavior and self-control have a positive and significant effect on financial planning partially. The findings also show that there is an indirect effect through self-control that financial literacy has a positive but not significant effect, but has a positive and significant effect on the relationship between financial behavior to financial planning. These results indicate that financial management knowledge will be much more useful if it is practiced in everyday life to achieve planned financial goals. For this reason, it is important for the world of education not only to teach financial knowledge, but also to help improve individual behavior so that they have good discipline and self-control.

Analysis Of The Coastal Economic Potential With Based On The Blue Economy Concept In Realizing Village SDGs

2023-12-31T22:41:39+07:00

This study aims to analyze the economic potential of coastal marine resources in achieving the Blue Economy concept in Langkat Regency, North Sumatra province. The contribution of the fisheries and marine sectors has increased, followed by the development of mangrove forest-based village tourism. However, the potential in the mangrove area has not been achieved optimally because the economic use of the results of the mangrove ecosystem has not been economically exploited. Therefore the economic level of the community in the coastal area of Langkat Regency is still relatively low and has not been able to develop other sectors based on coastal ecosystems. The development of technology and industrialization in today's economy are two things that are contradictory to the preservation of the natural environment around the world because the drive to improve the economy produces a lot of natural damage associated with unsustainable development. Consequently, the development of the economic sector becomes a strong challenge for the world economy by using a system that tends to be exploitative. The pattern of planning and management of the marine and fisheries sector must be reflected in the RPJMD and the strategic plan for Langkat Regency.

The Influence Attitudes, Subjective Norms And Perceptions Behavioral Control Of Depok Community Interest In Sharia Card Ownership

2023-12-31T22:43:31+07:00

This study aims to examine the influence of attitude factors, subjective norms and perceptions of behavioral control on interest in sharia card ownership by taking a case study in the city of Depok. This research is a quantitative research. Data was obtained by distributing questionnaires online with 110 respondents from Depok City. The sampling technique used in this study is non-probability sampling, Partial Least Square (PLS) is used as a data analysis technique and uses SmartPLS 3.0 software. Based on the results of data analysis, the perceived factor of behavioral control has a significant positive effect on interest in sharia card ownership, while attitudinal factors and subjective norms do not have a significant positive effect on interest in sharia card ownership. So that attitudes and subjective norms are not a strong factor in deciding to have a sharia card. recommendations for further research should be to develop research by adding other factors or variables that have not been studied in this research, such as perceived usefulness, perceived religiosity and perceived convenience so that it can strengthen the concept for further research which discusses the factors that influence interest in using sharia . card and it is also hoped that future researchers will expand the research object.