cover
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
JIFTECH: Journal Of Islamic Financial Technology
ISSN : -     EISSN : 28291050     DOI : JIFTECH: Journal Of Islamic Financial Technology
Core Subject : Economy,
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
Articles 26 Documents
Analysis Of The Impact Of Financial Technology On Employee Performance at PT. Bsi Tbk Gunung Tua Brand Office Muhammad Arif; Khoirul Amri; Rika Susanti
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (257.125 KB) | DOI: 10.24952/jiftech.v1i2.6681

Abstract

The discussion of this research relates to the field of computer banking and human resource management. The theory used in this study is the theory of Islamic finance, the theory of finance, the theory of technology and the theory of performance. Fintech is a technological innovation developed in the financial sector that is able to replace the role of formal financial institutions such as banks with a payment system that provides a market for business actors.This research is a qualitative research with a descriptive approach. Data collection techniques used are observation techniques, interviews and documentation. Sources of data used are primary data and secondary data. The number of informants is 10 employees at PT. Bank Syariah Indonesia, Tbk Gunung Tua Sub-Branch Office.The results of this study are that the presence of financial technology (fintech) has an impact in increasing the work of each employee at PT. Bank Syariah Indonesia, Tbk Gunung Tua Sub-Branch Office. Financial technology (fintech) has a positive impact on employee performance in completing work. Fintech makes interactions between employees and customers easier and can be done anytime and anywhere without having to take a long time. Keywords: Financial Technology (Fintech), Employees, Performance.
Determinants for the use of A GPN Debit Card (National Payment Gateway) by Students FEBI UIN SYAHADA Padangsidimpuan Azwar Hamid; Lita Arfah; Lulu Walmarjan Rambe
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (378.083 KB) | DOI: 10.24952/jiftech.v1i2.6386

Abstract

The discussion in this study relates to service features, security systems, and student's knowledge of the use of debit cards with GPN. In this regard, the approach taken is theories related to the field. The type of research used is field research (field research) which is quantitative in nature. The samples used in this study were 74 respondents. The sampling technique used was a purposive sample, and the data collection techniques used were interviews, documentation, and questionnaires. Data analysis used was a validity test, reliability test, descriptive statistical analysis, normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test (R2), multiple linear regression analysis test, t test (Partial), F test (Simultaneous) using SPSS tools 23. The results of this study this show that service features, security, and knowledge are factors that influence the use of GPN debit cards by students at the Faculty of Islamic Economics and Business UIN SYAHADA Padangsidimpuan.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (718.895 KB) | DOI: 10.24952/jiftech.v1i1.5023

Abstract

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
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (694.186 KB) | DOI: 10.24952/jiftech.v1i1.5000

Abstract

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
Comparative Analysis Of The Profitability Of PT. Bank Panin Syariah Securities Before And After Going Public Ali Hardana; Mohammad Zahrudin Sahri; Ahmad Ramadhan
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.211 KB) | DOI: 10.24952/jiftech.v1i2.6683

Abstract

The approach taken with the theories put forward is related to the profitability ratios including Return On Assets (ROA), which is used as an indicator to measure a company's ability to carry out company operations. While the profitability ratio Return On Equity (ROE) that can be used as an indicator to measure the ability of the company's equity in obtaining net income available to shareholders of the company. This research is a quantitative research using comparative analysis. the type of data used is secondary data in the form of company financial statements obtained from the company's official website, namely www.anualreport.co.id in 2010-2019. The research sampling method used saturated sampling.The results of this study indicate that there is no significant difference between the profitability ratios before and after going public at PT. Bank Panin Syariah Sekuritas in this case is seen from the indicators of Return On Assets (ROA) and Return On Equity (ROE). Keywords: Profitability Ratio, Performance, go public.
Determinant Of Faculty Of Islamic Economics and Business UIN SYAHADA Padangsimpuan In Transactions Using ZISWAF Sharing Application On Mobile Banking BSI Nofinawati Nofinawati; Indah Sari; Devi Srikandi Siregar
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (263.22 KB) | DOI: 10.24952/jiftech.v1i2.6387

Abstract

This research is a quantitative research using primary data and secondary data. Data collection techniques used are questionnaires and interviews. Sampling in this study used a random sampling technique with a total of 30 respondents. Data analysis used is validity test, reliability test, basic assumption test (descriptive analysis test, normality test, linearity test) classical assumption test (multicollinearity test, heteroscedasticity test) hypothesis test (t test, F test, R2 coefficient of determination test) and multiple regression test. To facilitate the process of analyzing the data of this research, it is assisted by the SPSS 23 program.The results of the t-test indicate that there is no partial effect of convenience on the use of the ZISWAF sharing application on BSI mobile banking, there is an influence of trust in the use of the ZISWAF sharing application on BSI's mobile banking, there is a beneficial effect on the use of the ZISWAF sharing application on BSI's mobile banking. Simultaneously, there is an effect of convenience, trust and benefits on the use of the ZISWAF sharing application on BSI mobile banking.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (429.749 KB) | DOI: 10.24952/jiftech.v1i1.5024

Abstract

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
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (510.86 KB) | DOI: 10.24952/jiftech.v1i1.5002

Abstract

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.
Prudential Banking Principle Implementation In Murabahah Financing On PT. Sumut Sharia Bank Branch Padangsidimpuan sry Lestari; Lilis Renfiana; Fitri Arianti
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (318.811 KB) | DOI: 10.24952/jiftech.v1i2.6688

Abstract

Based on the data on the number of murabahah financing customers of PT. Bank Sumut Padangsidimpuan Sharia Branch As of 31 December 2016-2019. In 2017 it decreased by 5.15 percent, in 2018 it experienced an increase of 5.36 percent, and in 2019 it experienced an increase of 6.01 percent. Therefore researchers are interested in researching the implementation of prudential banking principles in murabaha financing. The purpose of this study was to determine the application of the prudential banking principle in murabahah financing at the Padangsimpuan Branch of Bank Sumut Syariah. The theory used in this study is the theory of applying, the theory of the prudential principle, the theory of murabaha, the theory of murabaha financing. This research is descriptive qualitative with data collection techniques using interviews, observation, and documentation, while the data sources used are primary data and secondary data. From the results of this study it can be concluded that the implementation of prudential banking principle is the 5C principle of character, capacity, capital, economic conditions, collateral. collateral). The implementation of the prudential banking principle for murabahah financing has implemented the 5C principle. It can be seen that in 2018 and 2019 there has been an increase.
UIN SYAHADA Students' Perceptions About Internet Banking Service Security In Sharia Banking Transactions Sulaiman Efendi Siregar; Ian Alfian; Ade Ariani
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (232.868 KB) | DOI: 10.24952/jiftech.v1i2.6671

Abstract

The theories used in this research are the theories put forward by Bimo Walgito which discusses the notion of perception, various perceptions, factors that influence perception, the characteristics of perception, the process of perception, understanding of security, types of security systems. network, security indicators, basic components of a security system, understanding of internet banking, benefits of internet banking, advantages of internet banking, and security of internet banking transactions. This research uses descriptive qualitative method. The subjects of this study were students of the Islamic Economics and Business Faculty of UIN SYAHADA Padangsidimpuan class of 2017 and 2018 as many as 25 informantsThe results of this study regarding the perceptions of UIN SYAHADA Padangsidimpuan students about the security of internet banking services in Islamic banking transactions, the researchers conclude that the perceptions of UIN SYAHADA Padangsidimpuan students about internet banking services are very good where internet banking services are one of the banking services that allow customers to make transactions via the internet network. Because this service will really help students in making transactions such as checking balances, transferring money, paying tuition fees, buying credit vouchers and buying electricity tokens. Keywords: Perception, Security, Internet Banking Service

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