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All Journal Value Added: Majalah Ekonomi & Bisnis Journal of Islamic Studies and Humanities Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen al-Afkar, Journal For Islamic Studies KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH Journal of Indonesian Tourism, Hospitality and Recreation JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal Public Policy International Journal of Zakat (IJAZ) Jurnal Al Azhar Indonesia Seri Ilmu Sosial Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Bertuah : Jurnal Syariah dan Ekonomi Islam AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy Jurnal Ekonomi KIAT Journal of Islamic Economic and Business Research Al Dzahab Research in the Mathematical and Natural Sciences Ijtimā`iyya: Journal of Muslim Society Research Unisia Constitution Journal Sanskara Akuntansi dan Keuangan JIPM: Jurnal Indragiri Penelitian Multidisiplin Jurnal Multidisiplin West Science The Es Economics and Entrepreneurship Journal of Central Banking Law and Institutions Jurnal Adijaya Multidisiplin Sanskara Manajemen dan Bisnis Eastasouth Journal of Impactive Community Services Jurnal Pengabdian West Science West Science Journal Economic and Entrepreneurship Journal of Business and Political Economy: Biannual Review of The Indonesian Economy Review Journal Middle East and Islamic Studies Imara: Jurnal Riset Ekonomi Islam INASJIF Neraca Manajemen, Akuntansi, dan Ekonomi Constitution Journal West Science Islamic Studies Jurnal Magister Ekonomi Syariah Maklumat: Journal of Da'wah and Islamic Studies PRIMER: Jurnal Ilmiah Multidisiplin Al-Fadilah: Islamic Economics Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Jurnal Kajian Ekonomi dan Perbankan Syariah IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Ulil Albab International Journal of Islamic Finance (IJIF) Journal of Islamic Economics and Business Ethics
Zulfikar Hasan
Department Of Islamic Banking And Center For Research And Community Service At STAIN Bengkalis Riau
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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Efficiency Evaluation of Islamic Commercial Banks in Indonesia Using Stochastic Frontier Analysis (SFA): A Panel Data Approach Zulfikar Hasan; Mhd Syahrizan; Nor Razinah Binti Mohd. Zain
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 3 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i3.436

Abstract

The efficiency of Islamic commercial banks is a crucial determinant of their competitiveness and long-term sustainability, especially in a dynamic financial environment, such as Indonesia. Despite rapid growth in the Islamic banking sector, questions persist regarding whether these banks are operating at optimal efficiency levels. This study aims to evaluate the technical efficiency of Islamic commercial banks in Indonesia over the period 2015–2024 by employing Stochastic Frontier Analysis (SFA) with a translog production function applied to balanced panel data. The model incorporated key input variables, including total assets, labor expenses, and operational costs, with financing used as a proxy for output performance. Empirical findings revealead that an average technical efficiency score of 0.784, suggesting notable inefficiencies across the sector. Among the sampled institutions, BCA Syariah Bank and Mega Syariah Bank consistently outperform their peers, while Victoria Syariah Bank showed persistently low efficiency due to operational shortcomings. The estimated gamma parameter (0.886) further indicated that inefficiency significantly explains the variation in output among banks, validating the use of the SFA model. The study underscores the urgent need for strategic improvements in operational management, resource allocation, and digital transformation initiatives. In addition, regulatory bodies are encouraged to strengthen institutional frameworks and promote innovation and human capital development.
Modeling the Determinants of Islamic Banking Adoption Among Indonesian Civil Servants: A Multigroup Structural Equation Modeling Approach Hasan, Zulfikar
International Journal of Islamic Finance Vol. 4 No. 1 (2026): May 2026
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/m76jbj76

Abstract

Background: Despite Indonesia being the world’s largest Muslim-majority country, the penetration of Islamic banking remains low, especially among civil servants who represent a strategic and financially literate segment. Limited understanding of behavioral, technological, and trust-related factors constrains the expansion of Islamic banking in this group. Objectives: This study aims to model the determinants influencing Sharia banking adoption among Indonesian civil servants by examining the effects of religiosity, perceived usefulness, service quality, trust, social influence, and financial literacy on behavioral intention and actual usage behavior. Novelty: The study integrates the Theory of Planned Behavior (TPB), the Technology Acceptance Model (TAM), and trust-based frameworks into a unified model specifically tailored for public-sector employees. It contributes to the literature by offering empirical evidence on Islamic banking adoption within an underexplored yet influential demographic segment. Research Methodology / Design: A quantitative approach using Structural Equation Modeling (SEM) and Multigroup Analysis (MGA) was employed. Data were obtained through a nationwide survey of 412 civil servants representing diverse educational and employment backgrounds. Findings: Trust and religiosity emerged as the strongest determinants of adoption intention, followed by perceived usefulness, service quality, financial literacy, and social influence. Behavioral intention significantly affected actual usage. Multigroup analysis revealed gender, education, and institutional differences in adoption behavior. Implications: The study advances theoretical understanding of Islamic banking adoption and offers practical insights for policymakers and Islamic financial institutions to enhance financial literacy, trust, and service quality among civil servants.
Co-Authors Ade Rosita Afriyadi Ahmad Azam Sulaiman Ahmad Syukri Aiza Zulmairoh Amelia Ripal Angga Dasma Hendra Anugrah, Resti Arbaia Arbaia Arbaia, Arbaia Asta, Sephia Septiana Bobby Syuhada Bobby Syuhada Daniel Happy Putra Delia Desvianti Dinda Sri Dewi Lestari Disti Marta Rini Endah Dwi Jayanti Feby Syahira Hamdani Hamdani Hamzah B Uno Hasanah, Riska Ardila Ika Kurnia Sofiani Indira, Nur Irda Listiawati Irlina Dewi Irnaldi Irzan Surohman Julia Sukma Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiludin, Kamiludin Kheqal Fitradinata Khotimatul Anisa Khozinatul Asrori Koni Piranda Linda Astuti, Linda Listiawati, Irda M. Fadil Iqbar Mardiana Safitri Marisna, Diska Sendi Marta Rini, Disti Melisa Melisa Melisa Mercy Gusriyani Mhd Syahrizan Mistari Br Harianja Mohd Helmi Ali Muhamad Abduh, Muhamad Muhammad Fadhli Muhammad Irfan Syah Muhammad Rizky Anes Muhardi, Sona Muslim Muslim Mutia Rosiana Nita Putri Mutia Rosiana Nita Putri Nazri Nor Razinah Binti Mohd. Zain Norpatiha Norpatiha Nur Azlina Nur Azlina Nur Hidayati Nur Indira Nur Indira Nur Indira Nur Umida Nurul Syahira Nurulia Ramadhani Oliv Rezfani Puji Afriyeni Ratiwi, Ratiwi Reni Ayu Anggriani Reno Firdaus Reski Lestari Resti Anugrah Revita Sari Rini, Disti Marta Rino Riyaldi Risma Junita, Risma Riyandi Fatur Nugraha Rosita, Ade Rosman, Romzie Said Rizki Suhendra Saifunnajar Saifunnajar Sarson W DJ Pomalato Seri Wahyuni Serliana Sri Ika Mulia Sri Wahyuningsih Suci Hijriyati Supriyadi Surohman, Irzan Susanto, Erik Suzaini Suzaini Suzaini, Suzaini Syahira, Feby Takwa, Wardina Huma Taufik Taufik Trisna Eka Sari Wardina Huma Takwa Wulan Anis Mawati Yuliana Yuliana Yuni Dhea Utari