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Munawar Rizki Jailani
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jeskape@iainlhokseumawe.ac.id
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JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : 27148793     EISSN : 26158469     DOI : https://doi.org/10.52490/jeskape
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
Journal of Islamic Economics, Accounting and Banking (JESKaPe) is a scientific journal published by the Faculty of Islamic Economics and Business - IAIN Lhokseumawe. This journal serves as a forum for research results both conceptually and technically related to the scope of Islamic Economics, Islamic Finance, Islamic Accounting, Islamic Banking and other fields related to the main scope. JESKaPe was first published in June 2017 and subsequently published twice a year, namely in June and December each year. This journal publishes state-of-art papers in fundamental theory, experiments and simulations, as well as applications, with systematically proposed methods, an adequate review of previous works, extended discussions and concise conclusions. As our commitment to the advancement of science and technology, JESKaPe follows an open access policy which allows published articles to be freely accessed online for free without having to subscribe.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 8 Documents
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Search results for , issue "Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)" : 8 Documents clear
THE EFFECT OF ADVERTISING, TRUST, AND RISK PERCEPTION ON PRODUCT PURCHASE DECISIONS Siti Fatimah; Hendri Hermawan Adinugraha
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.447

Abstract

Many businesses and sellers turn to e-commerce platforms to offer their products. The development of this technology online sellers must make creative and innovative marketing strategies to attract consumer interest. Purchase decisions on online buying and selling sites are strongly influenced by advertising, consumer trust in sellers, and perceived risks to minimize dissatisfaction with a product. The purpose of this study was to analyze the influence, namely the influence of advertising, trust, and risk perception on the purchasing decisions of Shopee e-commerce products. The population in this study is iGen or Generation Z as many as 35 respondents. This research method is quantitative by using non-probability sampling technique. Hypothesis testing using multiple linear regression analysis. Based on data analysis, it was found that 91% of advertising, trust, and risk perception variables had a significant effect on purchasing decisions for Shopee e-commerce products among iGen.
IMAGE AND SERVICE ACCESSORIES: THE EFFECT ON CUSTOMER LOYALTY Muhammad Adnan; Ana Fitria; Maulidia Agustina
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.510

Abstract

Traditional use of the word "loyalty" refers to a customer's commitment to certain banking-related goods or brands. This research intends to assess the influence of image and service accessories on customer loyalty at the Singkil Branch of PT. Bank Aceh Syariah. All clients of the Bank Aceh Syariah Singkil Branch are the population for this associative quantitative study, and the sample approach is accidental sampling. A questionnaire with a Likert scale that was evaluated for validity and reliability was used to gather data. The findings of multiple linear regression analysis reveal that image and accessories have a considerable influence on consumer loyalty, either concurrently or separately. These findings emphasize the significance of a favorable image and appealing service accessories in fostering customer loyalty at the PT. Bank Aceh Syariah Singkil Branch. The implication is that businesses must continually monitor the image they convey to their clients and assure the provision of appealing service accessories.
THE IMPRESSION OF HALAL LABEL AND CELEBRITY ENDORSMENT ON PURCHASING DESICION FOR MSGLOW COSMETIC PRODUCTS: MS GLOW CONSUMER STUDY IN LHOKSEUMAWE CITY Nurfajri; Ichsan; Mukhlish M. Nur; T. Saifullah
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.753

Abstract

This study aims to This study aims to determine the effect of halal labels and celebrity endorsements on purchasing decisions for MS Glow Cosmetic Products (MS Glow Consumer Study in Lhokseumawe City). The data used in this study are primary data of 91 respondents. The method used to analyze the relationship between the independent variables and the dependent variable is multiple linear regression analysis. The results showed that partially the halal label had a positive and significant effect on purchasing decisions for MS Glow Brand Cosmetic Products in Lhokseumawe City and signifikan level 0,000, Celebrity endorsements had a positive and significant effect on purchasing decisions for MS Glow Brand Cosmetic Products in Lhokseumawe City and signifikan level 0,041. Simultaneously Halal Label and Celebrity endorsement have a positive and significant effect on purchasing decisions for MS Glow Brand Cosmetic Products in Lhokseumawe City and signifikan level 0,000.
ISLAMIC LAW ANALYSIS ON THE PRACTICE OF ONLINE RETAIL GOLD TRANSACTION Aminudin Ma'ruf; Azhar Alam; Angrinda Anggih Umi Kulsum; Aditya Nurrahman
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.943

Abstract

This research is comprehensively investigating the mechanism of gold trading at the Tokopedia Gold site from an Islamic law perspective. This research further explains the Islamic views on the gold trade in retail through an online site. Two methods were used in completing this research; a qualitative descriptive method on the observation of the trading and library research. Upon supporting the research, three interviews with related customers are approached. Reviewing the terms and conditions of purchasing a product from Tokopedia Gold and literature review methods have also been taken into consideration. The paper found that the practice of purchasing gold through Tokopedia Gold is a full-payment purchase and avoiding the instalment method which might be against Islamic law. The research found that there is an existence of gharar when the purchaser does not possess the gold physically and does not know the existence of the gold. This paper recommends that the specifications of gold must be specified by a seller and spreading the knowledge of gold trading from an Islamic perspective. 
NEW MOVEMENT LOCAL WISDOMNOMIC: STUDY OF MAWAH AS A MODEL OF COMMUNITY ECONOMIC EMPOWERMENT Iskandar; Juliana Putri; Razali
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.1265

Abstract

This research discusses the topic of Acehnese cultural issues, namely mawah which is a concept of local wisdom and an important role in the life of the Acehnese. The two main topics of this research are mawah dialectics in the socio-economy of the Acehnese, and the mawah model as empowering the modern economy of society. The method used in this research is qualitative through a philosophical normative approach. Data collection was carried out through interviews, observation, documentation, and FGD (Focus Group Discussion). The results of this study indicate that the Mawah dialect in the socio-economy of the people of Aceh occurs in several stages. Mawah first stage concentrated on breeding. is termed as “Mawah Aneuk Nang” In mawah which is divided between owners and breeders is about 50:50 distribution or depending on how the mawah was originally carried out. There are several mawah principles in empowering the Acehnese economy, namely the principles of al’adalah, at-t’awun and musawwamah. Mawah can be a model of massive modern agrarian economic empowerment if it is managed properly and involves professional parties. Some of the things that must be done are to establish Mawah Boards (BW) which are backed up by the district and village governments, then create networks and relationships as a gateway for mawah online. At this final stage, mawah becomes a start-up business.
IMPLEMENTATION OF SHARIA COMPLIANCE AND GOOD CORPORATE GOVERNANCE AT BANK SYARIAH INDONESIA TEBING TINGGI SUDIRMAN 2 BRANCH OFFICE Azka Abi Nugraha; Yusrizal; Atika
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.1533

Abstract

Shariah compliance is an integral aspect of the banking sector's sustainability and is closely linked to good corporate governance. This study aims to analyze the implementation of Shariah compliance and good corporate governance, along with the challenges faced in implementing Shariah compliance and GCG principles at Bank Syariah Indonesia KCP Tebing Tinggi Sudirman 2. The research utilizes a qualitative methodology, with data obtained from primary and secondary sources. Primary data includes the Shariah Supervisory Board, Shariah Audit Committee, and Shariah Investment Committee. Secondary data consists of policy and procedural documents from the Islamic bank, as well as previous research and studies on Shariah compliance and GCG implementation in the Islamic banking sector. Data collection techniques employed in this study encompass interviews and documentation. The findings reveal that the principles of Good Corporate Governance (GCG) at Bank Syariah Indonesia KCP Tebing Tinggi Sudirman 2 encompass transparency, accountability, responsibility, independence, and fairness. Bank Syariah Indonesia KCP Tebing Tinggi Sudirman 2 has implemented Shariah compliance in accordance with the rules and principles of Shariah in every transaction, utilizing appropriate contracts such as murabahah, musyarakah, mudarabah, ijarah, rahn, and in fund mobilization, mudarabah and wadi'ah contracts are utilized. The bank's products have received approval from the National Shariah Board-Indonesian Ulama Council (DSN-MUI), the authorized institution for issuing Shariah fatwas. The implementation of Shariah compliance at Bank Syariah Indonesia KCP Tebing Tinggi Sudirman 2 involves transaction procedures based on Shariah principles, internal supervision, collaboration with DSN-MUI, employee training and awareness enhancement, as well as external audits aimed at ensuring the bank's compliance with Shariah principles
QANUN OF SHARIA FINANCIAL INSTITUTIONS: ECONOMIC BENEFITS AND MAQĀSID AL-SYARĪ'AH Danial Danial
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.1613

Abstract

This study focuses on two things, namely; first, explaining the substance of Qanun Aceh Number 11 of 2018 and second, finding and explaining the connection of this Qanun with the economic benefits of the Acehnese community in the perspective of maqāsid al-syarīah. Through the literature study and data document review of the Aceh Statistics Agency, it was found: First, Qanun Aceh Number 11 of 2018 has been in effect in Aceh for 4 (four) years. This law consists of XII chapters and 67 articles. In consideration, the philosophical, historical, sociological, and juridical foundations of this qanun are explained. This study found that all financial institutions operating in Aceh must be based on sharia principles even if they are not labeled sharia. This conclusion is reinforced by the explanation of article 3 of this law in relation to the universal basis that adheres to the principled system of conducting business activities in the financial field that applies in general while still referring to sharia principles. This conclusion shows that this Qanun offers the Islamization of financial institutions in Aceh substantially not formally. Second, in the perspective of maqāsid al-syarī'ah, this Qanun has not shown a significant increase in the economic benefits of the people of Aceh. This conclusion is supported by BPS Aceh data on economic benefits. There are 4 (four) indicators used to measure it, namely; economic growth rate, CPI, poverty profile, and financial access to UMKM. The word has not been used to explain that this Qanun has only been implemented for 4 (four) years and was interrupted by the Covid 19 pandemic. Therefore, it cannot be concluded that the SFI Qanun does not affect the economic benefits of the Acehnese community. Unless it has not given a significant influence for the economic benefits of Aceh practically-factually.
THE ROLE OF WADIAH DEMAND DEPOSITS AND OPERATING INCOME ON THE NET INCOME PERFORMANCE OF SHARIA CENTRAL ASIA BANK (BCA) Khairisma; Mutia Dara Fonna; Yoesrizal Muhammad Yoesoef
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.1637

Abstract

This study looks at how operational revenue and wadiah demand deposits affect Bank Central Asia's (BCA) Syariah's net profit between 2016 and 2021. A total of 72 data points from monthly financial data reports from this time period make up the sample. The analysis uses the data analysis method known as Structural Equation Modeling-Partial Least Squares (SEM-PLS). Examining the connections between wadiah demand deposits, operating income, and net profit at BCA Syariah was the goal of this study. Customers who use wadiah demand deposits entrust their money to the bank for safekeeping as a particular kind of Islamic banking deposit. On the other side, operating income indicates the revenue from BCA Syariah's primary operational activities. The study offers important insights into the relationship between these variables by using SEM-PLS analysis. The findings show that wadiah demand deposits do not considerably affect net profit, proving that changes in these deposits do not significantly affect the profitability of the bank as a whole. But the study shows a statistically significant link between operational income and net profit. This result implies that variations in BCA Syariah's operating income have a direct impact on the company's net profit.

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