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JIFTECH: Journal Of Islamic Financial Technology

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Published by Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

ISSN : - EISSN : 28291050 DOI : JIFTECH: Journal Of Islamic Financial Technology

Core Subject : Economy,

Economics, Econometrics & Finance

JIFTECH: Journal Of Islamic Financial Technology is a peer-reviewed journal, a publication on Islamic Financial Technology from research and original writings on Islamic Financial Technology. The journal aims to provide a platform for scientific understanding in the field of Islamic financial technology and has an important role in promoting the process of accumulation of knowledge, Islamic values, skills and the development of science. Scientific manuscript dealing about Islamic financial technology topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries s in Islamic Financial Technology. Specifically, the journal will deal with topics : 1. Islamic Banking Technology 2. Financial Technology 3. Digital Economy Society 4. Inclusive Economy 5. Development Economic Technology

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 20 Documents

1 2

Implementation Of Corporate Social Responsibility Islamic Economic Perspective at PT. Bank Sumut Syariah Branch Padangsidimpuan Nofinawati Nofinawati; Sulaiman Efendi; Rini Hayati
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

This research is based on corporate social responsibility which is a program of activities of a company that must be carried out in accordance with the mandate of Law no. 40 of 2007 concerning PT. the purpose of this study is to determine the implementation of corporate social responsibility in the perspective of Islamic Economics at PT. Bank Sumut Padangsidimpuan Sharia Branch. The study used a descriptive qualitative approach with interview, observation, and documentation study data collection techniques to the employees of Bank Sumut Syariah Branch Padangsidimpuan which was then analyzed using data reduction, data presentation, and verification. The results showed that the implementation of corporate social responsibility at PT. Bank Sumut Padangsidimpuan Sharia Branch by implementing the Community Development Program (PBL), the first; aspects of the development of public infrastructure facilities such as the construction of shelters and monuments, the second; educational aspects such as providing scholarships and purchasing research tools for related universities. Islamic Economics Review on the implementation of corporate social responsibility at PT. Bank Sumut Padangsidimpuan Sharia Branch has complied with the basic principles of Islamic Economics, namely maslahah (public interest)Keywords: Social Responsibility, Islamic Economy

Msme Financing Strategy In Improving Customer Business In The Time Of Covid 19 (Case Study At PT. Bank Sumut Syariah Sibolga Branch) sry Lestari; Abdul Naser Hasibuan; Mislawati Sihotang
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The development of a business will help overcome the unemployment problem, given the large number of MSMEs in this country, so that it can increase job opportunities and opportunities to open businesses, which in turn encourages regional and rural development. One of the objectives of sharia microfinance for the economic development of the community is by providing financing capital to customers to develop businesses that aim to manage mitigation. This type of research is a qualitative research, in descriptive form. Sources of data used are primary and secondary data sources. Data was collected using interview, documentation, and observation techniques. The results of this study conclude that the MSME financing strategy in increasing customer business during the covid 19 period uses a murabahah contract in the MSME financing strategy, namely banks must manage mitigation appropriately and banks must focus on industries that have prospects to be financed. during the Covid 19 period in developing business, there was a rapid decline so that it affected the decline in income for several customer businesses that had done MSME financing at PT. Bank of North Sumatra Sibolga Sharia Branch. This is different from before the Covid 19 period, which is happening now, the development of the customer's business is still developing.

Causality Analysis and Cointegration Between Mudharabah Financing and Return On Assets In Sharia Business Units Year 2016-2019 Delima Sari Lubis; Zulaikha Matondang; Hera Rusliani Siregar
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

In increasing profitability, Islamic banks can take advantage of productive assets in the form of financing. One of them is mudharabah financing, the higher the mudharabah financing , the higher the level of profitability of Islamic banks. However, based on data on mudharabah financing with return on assets obtained from the financial services authority, the amount of mudharabah financing always increases every year during the 2016-2019 period. Meanwhile, the percentage of return on assets decreased during that period. The purpose of this research is to find out whether the two variables influence each other or not . The research method is correlation analysis with data analysis techniques used, namely descriptive, normality test, stationary test, lag test, Granger causality test, cointegration test, vector autoregretion (VAR) model test, Impulse Response Function (IRF) test, and Variance Decomposition test. (VD) which is processed using Eviews 10. The results obtained from the causality test are that there is a one-way relationship between Mudharabah Financing and Return On Assets with a probability value of 0.0326 0.05 , but there is no causal relationship between Return On Assets and mudharabah financing.

The Effect Of Inflation Level And Bi-7 Day Repo Rate On Mudhrabah Deposits In Sharia Commercial Banks Period 2017-2019 Budi Gautama Siregar; Nurul Izzah; Damri Batubara; Novita Sari
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

This research is motivated by the Inflation Rate and Bi-7 Day Repo Rate Against Mudharbah Deposits at Islamic Commercial Banks for the 2017-2019 Period. Total assets of Islamic banking reached 5.18% of total assets nationally, Indonesia was only able to rank 9th out of 10 other Islamic countries. This study aims to determine the effect of inflation rate and bi-7 day repo rate on mudhar bah deposits . Sharia Commercial Banks for the 2017-2019 Period. The method used in this study is quantitative, with the research location at Islamic Commercial Banks. The sampling in this study uses purposive sampling with a sample of 36 samples, the data analysis technique used is multiple regression analysis with t test to see the effect partially and f-test to see the effect simultaneously, assisted by using software SPSS 22.00. The results obtained in this study indicate that based on the partial test (t test) inflation does not have a significant effect on Mudhar bah deposits while the partial test (t test) and simultaneous test (F test) are inflation variables and Bi-7 Day Repo Rate has a significant effect on the Mudhar bah deposit variable at Islamic Commercial Banks 2017-2019.Keywords: Bi-7 Day Repo Rate , Mudharabah Deposits , Inflation

The Effect Of Trust And Risk On Interest Using Mobile Banking Muhammad Isa; Hamni Fadlilah; Azwar Hamid; Emmi Lestari
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

PT. Bank Sumut Syariah Branch Padangsidimpuan provides mobile banking services, but this service is less attractive to customers. The purpose of the study was to determine the effect of trust and risk partially and simultaneously on the interest in using mobile banking on customers of PT. Bank Sumut Padangsidimpuan Sharia Branch. This research is quantitative research. The sample used in this study were 100 respondents. The sampling technique used was accidental sampling. Data analysis used is validity test, reliability test, normality test, classical assumption test, t test and F test using SPSS 24 tool. The results showed that there was an influence of trust on the interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan, there is a risk effect on interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan and there is the influence of trust and risk simultaneously (together) on the interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan .Keywords: Trust, Interest Using, Risk

Online Shop Transaction Analysis View From Sharia Compliance (Case Study Of Faculty Students Economy And Business Islam Iain Padangsidimpuan ) Muhammad Wandisyah Hutagalung; Ihdi Aini; Arti Damisah; Nazmi Darmawanti Harahap
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

This research is motivated by the many occurrences of incompatibility of goods ordered with those sent in online shop transactions among students of the Islamic Banking Study Program FEBI IAIN Padangsidimpuan. So the purpose of this study is to find out the perceptions of students of the Islamic Banking Study Program FEBI IAIN Padangsidimpuan about online shops , the form of online shop practice for students of the Islamic Banking Study Program FEBI IAIN Padangsidimpuan, and the concept of online shop seen from fiqh . This research uses descriptive qualitative analysis method . Sources of data used are primary data and secondary data, these data were obtained from information researchers by using direct interviews with research subjects. While the data analysis technique uses data reduction, data presentation, and drawing conclusions. From the results of the study, it can be seen that the perceptions of students of the Islamic Banking Study Program FEBI IAIN Padangsidimpuan about online shop transactions has both positive and negative sides. The positive side can make it easier for students to make buying and selling, save time, energy, can be done using a smartphone . While the negative side is shopping online , not being able to try the goods directly, incurring shipping costs, delays in delivery times, and rampant fraud.Keywords: Buying and Selling, Online Shop, As-Salam

Strategy PT. Bank Sumut Syariah Panyabungan Branch Office In Improving The Quality Of Mobile Banking Services Windari Windari; Sarmiana Batubara; Heny Purnama Sari
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The role of technology in the development and provision of new products is very important in this competition, therefore Bank SUMUT Syariah launched Mobile Banking or SUMUT Mobile service products. In response to this, Bank SUMUT Syariah strives to improve and maintain the quality of services provided to attract customers. The problem in this research is how the strategy of SUMUT Syariah bank in improving the Quality of Mobile Banking Services. The purpose of this study was to determine how the strategy of Bank SUMUT Syariah in improving the quality of mobile banking services. This research is a type of descriptive qualitative research with interview techniques , documentation and literature study, data processing techniques data examination, data reconstruction and data systematization.The results of the research carried out are Strategies in improving the Quality of Mobile Banking Services. The Bank presents various offers such as a gift program to the public who become customers at PT. Bank SUMUT Syariah Panyabungan branch office. The challenge for Bank SUMUT Syariah is the assumptions/thoughts of ordinary people who are afraid of losing their balance when using the Mobile Banking application and the solution provided by the Bank is by providing education to customers who come to Bank SUMUT Syariah.Keywords: Strategy, Service Quality, and Mobile BankingThe role of technology in the development and provision of new products is very important in this competition, therefore Bank SUMUT Syariah launched Mobile Banking or SUMUT Mobile service products. In response to this, Bank SUMUT Syariah strives to improve and maintain the quality of services provided to attract customers. The problem in this research is how the strategy of SUMUT Syariah bank in improving the Quality of Mobile Banking Services. The purpose of this study was to determine how the strategy of Bank SUMUT Syariah in improving the quality of mobile banking services. This research is a type of descriptive qualitative research with interview techniques , documentation and literature study, data processing techniques data examination, data reconstruction and data systematization.The results of the research carried out are Strategies in improving the Quality of Mobile Banking Services. The Bank presents various offers such as a gift program to the public who become customers at PT. Bank SUMUT Syariah Panyabungan branch office. The challenge for Bank SUMUT Syariah is the assumptions/thoughts of ordinary people who are afraid of losing their balance when using the Mobile Banking application and the solution provided by the Bank is by providing education to customers who come to Bank SUMUT Syariah.Keywords: Strategy, Service Quality, and Mobile Banking

Financial Performance Analysis at PT. Bank Syariah Mandiri With Method Economic Value Adde (Eva) Ali Hardana; Ida Royani; Indah Sari Situmorang; Bima Ariyanda
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

PT. Bank Syariah Mandiri in the 2017-2019 period had a continuous increase in profit value, but from this value PT. Bank Syariah Mandiri has not been able to show the added economic value generated, because the profits obtained have not been deducted from the capital owned by PT. Mandiri Syariah Bank. This research is a quantitative research, using secondary data. The data used is time series data for 2017-2019 published by PT. Bank Syariah Mandiri through its official website, namely www.mandirisyariah.co.id . And analyzed using the Economic Value Added (EVA) method. Based on the results of research conducted by researchers, researchers concluded that PT. Bank Syariah Mandiri succeeded in creating economic added value, where overall in 2017-2019 the Economic Value Added (EVA) 0, and that means PT. Bank Syariah Mandiri obtained a positive Economic Value Added (EVA). And it's good that the results obtained with the EVA method are included in the bank's financial statements so that those who need financial reports can see the added value generated by the company.Keywords: Islamic Bank, Economic Value Added (EVA), Financial Performance

Determinants Of Interest To Pay Zakat Through Sharia Mobile Banking Ferri Alfadri; M Yarham; Ardiansyah Siregar
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The bank provides zakat payment services through mobile banking to meet the needs of conducting banking transactions. The people of the new Sitamiang sub-district, Padangsidimpuan City, still do not use the mobile banking application . The purpose of this study was to determine the interest in paying zakat through mobile banking based on perceptions of convenience, perceived usefulness, perceptions of trust in the people of Sitamiang Baru Village, Padangsidimpuan City. This research is a quantitative research. The data source used is primary data. The data collection technique used is a questionnaire with a sample of 98 people. Data processing using SPSS 25 application. The analysis technique used is multiple linear regression analysis. Partial research results states that the convenience variable has no effect on the interest in paying zakat through mobile banking . Usefulness has no effect on interest in paying zakat through mobile banking. Trust has an effect on interest in paying zakat through mobile banking. While the variables of convenience, usability and trust have a simultaneous influence on the interest in paying zakat through mobile banking in the people of Sitamiang Baru Village .Keywords: Interest, Zakat, Mobile Banking, Perception

Marketing Strategy Analysis Of Back To Back Financing Products In Attracting Customers' Interest In Bank Muamalat Kcu Padangsidimpuan Idris Saleh; Rizky Amelia Zahra; Nurul Afifah
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

This research is motivated by a lot of competition between banks and other financial institutions in attracting customers so that it can increase the number of customers. And one way is to implement a 7 P marketing strategy, namely Product, Price, Place, Promotion, People, Process , and Physical Evidence . The purpose of this study was to determine the marketing strategy of back to back financing products in an effort to attract customers' interest at Bank Muamalat KCU Padangsidimpuan . This research is a type of field research (Field Research). with a qualitative approach. This study uses triangulation techniques in the process of checking the validity of the data. The results of this study indicate that the marketing strategy of back to back financing products carried out by Bank Muamalat KCU Padangsidimpuan is an effective strategy applied, especially promotion because it can increase public knowledge about the product.Keywords: Customers , Interests , Financing , Strategy

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Ferri Alfadri

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Ferri Alfadri

Contact Email feri@uinsyahada.ac.id

Phone +6281262408535

Journal Mail Official feri@uinsyahada.ac.id

Editorial Address JL. T. Rizal Nurdin Km 4,5 Sihitang Kota Padangsidimpuan 22733

Location Kota padangsidimpuan, Sumatera utara INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

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Abstract

Abstract

Abstract

Contact Name
Ferri Alfadri

Contact Email
feri@uinsyahada.ac.id

Phone
+6281262408535

Journal Mail Official
feri@uinsyahada.ac.id

Editorial Address
JL. T. Rizal Nurdin Km 4,5 Sihitang Kota Padangsidimpuan 22733

Location
Kota padangsidimpuan,

Sumatera utara

INDONESIA