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Ferri Alfadri
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JIFTECH: Journal Of Islamic Financial Technology
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 26 Documents
 1   2   3 
EFFECT OF E-WOM ON SOCIAL MEDIA AND BRAND IMAGE ON DECISIONS SOCIETY SAVING IN SHARIA BANK CONNECTION Idris Saleh; Julpahmi Ritonga; Amhar Maulana Harahap; Laila Kalsum Hasibuan; Fatimah Sakdiah Lubis
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8271

Abstract

The purpose of this study was to determine the effect of E-WOM and brand image on people's decisions to save in Islamic banks. The type of research used is quantitative research with primary data sources and secondary data. The sampling technique was determined by probability sampling data with a total sample of 88 people. Data processing uses validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression analysis test, t test (partial) and F test (simultaneous) and test the coefficient of determination R2.In this study, E-WOM partially has a significant effect on people's decision to save at Panyabung Sharia Bank with a significant level value of 0.466 0.05 and Brand Image partially has a significant effect on people's decision to save at Panyabung Sharia Bank with a significance level value of 0.432 0 ,05. Whereas simultaneously E-WOM and brand image affect people's saving decisions at Panyabungan Islamic Bank, namely Fcount 110.306 Ftable 3.10, the results of this study indicate that E-WOM and brand image have a distribution of saving decisions of 72.2%. , while 27.8% is influenced by other variables not examined in this study.Keywords: E-WOM (Electronic Word Of Mouth), Brand Image, Saving Decision
THE EFFECT OF INDEPENDENT CASH TIM (ATM) REVENUE ON SHARIA BANKING PERFORMANCE IN INDONESIA (2016-2020) Muhammad Arif; Ahmad Musabiq Habibie
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8189

Abstract

In 2020, around 50.3% of Indonesian people frequently use ATM services for transactions. The impact of ATM on banking performance has been the subject of various studies in the field of electronic banking with mixed results. Therefore, further investigation is needed to obtain empirical evidence regarding the effect of ATM income on bank performance. This study aims to examine the impact of ATM revenue on the performance of Islamic banking in Indonesia for the 2016-2020 period.A descriptive statistical method was used, utilizing secondary data from a time series consisting of 30 samples. The analysis used in this study is multiple regression which includes descriptive analysis test, normality test, linearity test, simple linear regression analysis, determinant coefficient test (R2), correlation coefficient test, and hypothesis testing (t-test).By using SPSS Software Version 25, the results showed a significance value (sig.) of 0.033 for the ATM variable (X). As Sig. 0.033 0.05 indicates profitability, the hypothesis is accepted. This means that there is an influence of ATM (X) on the performance of Islamic banking (Y). The coefficient of determination (R2) yields a value of 0.152 which means the influence of the ATM variable (X) is 15.2% on the performance of Islamic banking (Y). The remaining 84.8% is associated with variables not examined in this study.Keywords: Independent, Shariah Banking, Performance. 
Determinants of The Use of The Flip Application on UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan Students Muhammad Wandisyah R Hutagalung; Furkan Elce; Sry Lestari
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8396

Abstract

Islamic banking study program students who already know the admin fee-free application, but only a few use the admin fee-free application. Even though it is easy and useful, only some students use the flip application, and some students still believe in doing transactions using the flip applicationfeel more comfortable doing transactions directly to the ATM. The formulation of the problem in this study is whether there is a partial and simultaneous effect of ease, benefit, and trust in the decision to use the flip application for students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary State Islamic University Padangsidimpuan.          Objective the research was to determine the effect of convenience, usefulness, trust partially and simultaneously on students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. The theory in this study uses the factors that influence decisions, namely: perceived usefulness, perceived ease of use, attitude, and behavioral intention. This research is a quantitative research, the data source used is primary data and data collection using questionnaires and documentation techniques.The research sample is 89 samples with techniques purposive sampling. The data analysis techniques used in this study are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test (R 2 ), partial test (t test), and simultaneous significant test (F test), multiple linear analysis. The results of the study show that partially the variables of convenience, usefulness and trust influence the decision to use the flip application in students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary Padangsidimpuan State Islamic University. Simultaneously the variables of convenience, usefulness, and trust influence the decision to use the flip application in students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. 
THE INFLUENCE OF KNOWLEDGE AND SECURITY ON THE DECISION TO USE GPN DEBIT CARDS Ian Ian Alfian; Nurul Widad Binti Abu Hasan
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8440

Abstract

The purpose of this study is to determine the influence of knowledge and security on the decision to use GPN debit cards for students of the Sharia Banking Study Program IAIN Padangsidimpuan. The discussion of this research is related to the field of marketing management science so the approach taken is theories related to knowing product safety. The type of research used is quantitative field research. The sample used in this study was 92 respondents. Sampling techniques using purposive samples, and data collection techniques used are interviews, documentation, and questionnaires. The analysis used is a validity test, reliability test, basic assumption test (normality test), classical assumption test (multicollinearity test and heteroskedasticity test), multiple linear regression test, hypothesis test, namely coefficient of determination (R Square), partial test (t test), simultaneous test (F test) and using SPSS software version 26.The results showed that knowledge variables had a positive and insignificant effect on the decision to use GPN debit cards in terms of t calculate t table (1.489 1.66216). Security variables have a positive and significant effect on the decision to use GPN debit cards as seen from the t table (6.807 1.66216). There is a positive influence of knowledge and security on the decision to use GPN debit cards indicated by the value of Fcalculate Ftable (119.064 2.36). The coefficient of determination (R2) shows that knowledge and security variables influence the decision variable to use GPN debit cards by 72% and the remaining 28% is explained by other variables not studied in this study.
DETERMINANTS OF MOBILE BANKING USE AT SUMUT BANK CUSTOMER SHARIA BRANCH Muhammad Ariful Maarif; rahmat kurnia; nando farizal; ayu hidayati
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8273

Abstract

Mobile banking is a bank service that allows customers to transact easily using the available internet network. However, the convenience of this service has not been fully utilized by customers of the Padangsidimpuan Syariah Branch of Bank Sumut. This study aims to determine whether there is an influence of information technology, service features, and convenience on the interest in using Mobile banking partially and simultaneously. The discussion in this study is related to customer interest in using Mobile banking in the field of banking science. The approach taken is theories related to interest in using Mobile banking. This research is a quantitative study using primary data obtained from distributing questionnaires. The population in this study are customers of Bank Sumut Syariah in 2020. Sampling used the Taro Yamane formula so that 99 customers were obtained as respondents.Keywords: Mobile banking, Determine, Shariah Branch.
THE INFLUENCE OF FINANCIAL TECHNOLOGY ON THE FINANCIAL PERFORMANCE OF ISLAMIC BANKING IN INDONESIA asepma hygi prihastuti; Bazyad Abdullah Meteab Mubarak
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8331

Abstract

This study aims to determine the influence of fintech on the financial performance of Islamic banking in Indonesia. This research is quantitative research using secondary data. The data analysis techniques used are descriptive analysis, normality test, panel data model selection through common effect, fixed effect, random effect, panel data model including Chowtest, Hausman test, classical assumption test including multicollinearity, hypothesis autocorrelation test including t-test, coefficient of determination (R2) test, and simple linear regression analysis. The results showed that there is a partial influence of fintech on the financial performance of Islamic banking in Indonesia (ROA). The more the development of fintech services in Islamic banking in Indonesia, the more significant the influence on the performance of Islamic banking in Indonesia (ROA).

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