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All Journal Shirkah: Journal of Economics and Business Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Mihajat, Muhammad Iman Sastra
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Oman’s Islamic Banking Performance amidst Covid-19 Outbreak: Prospects and Challenges Mihajat, Muhammad Iman Sastra
Shirkah: Journal of Economics and Business Vol 6, No 1 (2021)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (503.05 KB) | DOI: 10.22515/shirkah.v6i1.374

Abstract

Covid-19 pandemic forced Islamic banking in Oman to slow down and to change strategies adapting to the current situation. The Covid-19 outbreak has raised various challenges for Islamic banking. In order to maintain the sustainable growth of the industry, stakeholders of Islamic banking should strive collectively to solve these challenges. Nevertheless, Islamic banking was able to maintain and manage capital and liquidity buffers. The growth for 2021 is expected to remain stable for at least a single-digit growth. However, there would be asset-quality and profitability pressure for Islamic banks within the Sultanate of Oman. This paper highlights the performance of Islamic banking in Oman amid the Covid-19 outbreak. This paper demonstrates that the industry merely recorded a single-digit growth compared to the last seven years at double-digit growth due to the pandemic. The paper further delineates on the prospects and challenges of Islamic Banks Entities (IBEs). It also suggests some practical solutions for survival. This paper contributes to providing an alluded picture of the current conditions and situation of Islamic banks in Oman as well as insights to deal with the challenges to enhancing the banking performances during the Covid-19 outbreak. 
Prospects And Challenges Post the Conversion of Conventional Banks To Islamic: A Case Study of Islamic Rural Bank (BPRS) Rizky Barokah Angraini, Frahmi Laila; Mihajat, Muhammad Iman Sastra
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i2.1413

Abstract

Since the passage of Law No. 21 of 2008 on Islamic banking, the development of Islamic banks in Indonesia has grown significantly. Converting conventional banks to Islamic banks is one of the strategies supported to increase the accessibility of Islamic banking. Therefore, this study explores the opportunities and challenges faced by Islamic Rural Bank (BPRS) Rizky Barokah after its conversion. This study used a qualitative descriptive approach collecting data through observation, interviews, documentation and literature reviews. The results of the research show that BPRS Rizky Barokah’s conversion offers opportunities that support the bank’s developmet, such as an increased customer improved financial stability, enhanced reputation, greater operational efficiency and the creation of unique sharia-compliant products. However, challenges include low Islamic financial literacy, product innovation to meet customer demands, customer retention, limited expertise in Islamic finance that does not meet market expectations and ensuring sharia compliance in all operations. Despite these challenges, BPRS Rizky Barokah has implemented effective strategies to address them and optimize the benefits of conversion.
THE INFLUENCE OF FINANCIAL LITERACY, RELIGIOSITY, AND BRAND IMAGE ON MILLENNIAL INTEREST IN ISLAMIC INSURANCE: AN EMPIRICAL STUDY IN SOUTH JAKARTA Effi Abidah, Erina; Mihajat, Muhammad Iman Sastra
Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Vol. 7 No. 2 (2025): Jurnal Ilmu Akuntansi dan Bisnis Syariah
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/aksy.v7i2.45639

Abstract

This research investigates the impact of financial literacy, religiosity, and brand image on the millennial generation's desire to use Islamic insurance in South Jakarta. This research employs a quantitative methodology via a survey instrument, with 100 participants chosen via purposive selection. Surveys gathered data, which SPSS software analysed using multiple linear regression. The study findings indicate that financial literacy, religiosity, and brand image greatly affect the millennial generation's interest in using Islamic insurance, contributing 53% to this desire. This effect arises when financial literacy improves comprehension of the product, religiosity fosters the alignment of financial choices with spiritual beliefs, and brand image cultivates confidence in service providers. Conversely, the other 47% is shaped by external variables like economic circumstances, cultural influences, individual motivation, and product accessibility, which impact consumer choices. This research suggests that we should enhance digital financial literacy, strengthen brand image, and include Islamic principles in services to increase millennial interest in Islamic insurance.
Cash Waqf Linked Sukuk: Innovative Financing for Educational Infrastructure Mihajat, Muhammad Iman Sastra; Hawariyuni, Weni Hawariyuni
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 2 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i2.5510

Abstract

The aim of this paper is to examine the role of Cash Waqf Linked Sukuk (CWLS) as an innovative financing for building educational infrastructure in Indonesia. The fact that educational infrastructure and facilities are still scarce in educational buildings is the driving force for this research. The research based on a qualitative methodology using the data from scientific journals and paper in the field of Cash Waqf, including CWLS. CWLS shall consists of 3 instruments, namely waqf sukuk, government retail waqf sukuk and Waqf project. Currently the coupons from waqf sukuk have been channeled to finance the construction of the retina center and glaucoma center at the hospital. The country needs to explore the use of cash waqf from CWLS for other programs such as building educational infrastructure by involving Islamic bank to finance the program, that might benefit citizens more in the future. This study demonstrates that it is feasible to use the financing raised by the CWLS to construct infrastructure and educational facilities that will improve student and teacher/lecturer performance.
Co-Authors Angraini, Frahmi Laila Effi Abidah, Erina Hawariyuni, Weni Hawariyuni