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Moh. Nurul Qomar
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INDONESIA
MALIA: Journal of Islamic Banking and Finance
Published by Institut Agama Islam Negeri Kudus
ISSN : 26548577     EISSN : 26548569     DOI : https://dx.doi.org/10.21043/malia.
Core Subject : Economy,
Economics, Econometrics & Finance
MALIA: Journal of Islamic Islamic and Finance publishes articles with two related to themes; Islamic banking and finance. The first major theme is the Islamic Banking. The study of Islamic banking include all submissions related to Islamic banking, be it management, marketing, accounting, product, systems, and others. Specifically theme Islamic banking translated into various examples such as the role of Islamic bank in macroeconomics, funding of Islamic banks, Islamic banks products, IT systems, e-money, and so on. The second major theme is the finance. finance includes all submissions related to Islamic finance and general finance
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 116 Documents
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Digitalization, Banking Performance, and Sharia Supervisory Board Efficiency: Evidence from Indonesian Islamic Commercial Banks Meliana, Rini; Puspita, Meliana Dwi; Diana, Azka Nur; Qur'an, Amanah Aida; Mawardi, Mawardi
MALIA: Journal of Islamic Banking and Finance Vol 10, No 2 (2026): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v10i2.38005

Abstract

The massive digital transformation in the Islamic banking industry has fundamentally changed the operational and supervisory landscape of Islamic banking. Furthermore, Islamic banking performance, measured through financial indicators and Islamic compliance, is a crucial factor in determining the complexity of supervision required by the SSB. The efficiency of SSB is crucial given its role as the guardian of the enforcement of Islamic principles in every bank product and operation. This study aims to examine and analyze the influence of digitalization and Islamic banking performance (bank size, leverage, bank age, and profitability) on the efficiency of SSB. Digitalization is operationalized using a text-mining approach applied to bank annual reports, while SSB efficiency is measured through a disclosure score derived from the content of SSB reports. Using a quantitative approach, this research investigates how digitalization and banking performance influence SSB efficiency. Panel data regression via EViews 25 was employed to analyze 40 sampled Islamic commercial banks registered with the OJK during 2019–2024. The results indicate that digitalization, bank size, leverage, and profitability do not significantly on the efficiency of the SSB. However, bank age significantly influences the efficiency of the SSB. Simultaneously, digitalization, bank size, leverage, bank age, and profitability significantly on the efficiency of SSB. Practically, these findings suggest that Islamic banks should prioritize the accumulation of institutional experience and the strengthening of SSB member competence over reliance on digital infrastructure alone when designing sharia supervision mechanisms.
Determinants of Customer Satisfaction in the Digital Banking Ecosystem: An Empirical Study on BYOND by BSI Users Aliefah, Aniesatun Nurul
MALIA: Journal of Islamic Banking and Finance Vol 10, No 1 (2026): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v10i1.36049

Abstract

This study aims to investigate the factors influencing customer satisfaction in the digital banking ecosystem by examining the effects of online transaction experience, trust, and service quality among BYOND by BSI users. This research employed a quantitative approach using non-probability sampling techniques. Data were collected through questionnaires distributed via Google Forms to BYOND by BSI users at Bank Syariah Indonesia KCP Gombong Kebumen and got 92 respondents. The data were analyzed using multiple linear regression with IBM SPSS Statistics 27. The findings reveal that online transaction experience and service quality have a positive and significant effect on customer satisfaction, while trust does not significantly influence customer satisfaction among BYOND by BSI users. These results indicate that customers place greater emphasis on practical digital banking experiences and service performance than on trust factors in evaluating their satisfaction. Therefore, Bank Syariah Indonesia is recommended to continuously enhance the quality of digital services, improve user experience, and develop innovative features that meet customer needs to strengthen customer satisfaction in the digital banking environment.
Sharia Fintech as an Instrument for Accelerating Financial Inclusion of Muslim Communities in the Perspective of Maqashid Sharia Darwiyanti, Yulinda; Rahmati, Arinal
MALIA: Journal of Islamic Banking and Finance Vol 10, No 1 (2026): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v10i1.36503

Abstract

Financial inclusion among Muslim communities remains relatively low, particularly among unbanked and underbanked populations, posing a challenge to the development of Islamic economic systems. Although Islamic fintech has been widely recognized as a tool to enhance access to financial services, existing studies predominantly emphasize technological and operational aspects, with limited integration of maqāṣid al-sharī‘ah as an evaluative framework. This study aims to fill this gap by examining the role of Islamic fintech in accelerating financial inclusion from a maqāṣid perspective. This research employs a qualitative descriptive approach using a systematic literature review of recent scholarly publications (2023–2025) related to Islamic fintech, financial inclusion, and maqāṣid al-sharī‘ah. The findings indicate that Islamic fintech significantly improves financial accessibility through cost-efficient and user-friendly digital platforms, particularly benefiting MSMEs and younger populations. Moreover, fintech-based services such as peer-to-peer lending, digital payments, and zakat–waqf platforms enhance participation in formal financial systems. From the maqāṣid perspective, Islamic fintech aligns with the objectives of preserving wealth, religion, and intellect through ethical and transparent financial practices. This study contributes by offering an integrative maqāṣid-based framework for evaluating Islamic fintech and highlights the need for regulatory strengthening, financial literacy improvement, and institutional collaboration to ensure sustainable financial inclusion.
Risk Management in Agricultural Financing: Evidence from BMT Assalam Demak, Indonesia Kusrini, Eni; Kirom, Cihwanul
MALIA: Journal of Islamic Banking and Finance Vol 10, No 1 (2026): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v10i1.36789

Abstract

Demak Regency is predominantly an agricultural region, yet farmers often face significant capital constraints in cultivating their rice fields, which can delay harvests or even cause crop failure. Baitul Maal wa Tamwil (BMT) Assalam Demak addresses this need by offering agricultural financing repayable at harvest time. However, limited funds mean some farmers struggle to meet the monthly installments required by BMT Assalam Demak, creating a research gap this study seeks to address. This research aims to analyze the risk management practices implemented by BMT Assalam Demak in its agricultural financing scheme, with the broader goal of helping farmers gain more systematic knowledge of agricultural financing to improve productivity and income. A qualitative method was employed, using primary data obtained from informants at BMT Assalam and secondary data from related literature, supported by data collection, validity testing, and analysis techniques. The findings show that BMT Assalam Demak effectively manages financial risks affecting both the institution and its farmer-customers, including through systematic hazard identification, competent staff, and bookkeeping software that streamlines operations. With ten branch offices across Demak Regency, BMT Assalam Demak provides farmers convenient access to financing and to tracking their financing history. The harvest-based installment scheme allows farmers to obtain loans more easily and repay them once their harvest is sold, while BMT Assalam Demak benefits through profit-sharing. This mutually beneficial relationship underscores the importance of sound risk management in sustaining both farmer welfare and institutional trustworthiness.
Do Islamic Banking Indicators Affect Indonesia’s Economic Growth? Evidence from the VECM Model Ariyani, Diyah; Sholihah, Erlinda; Utami, Cahyaning Budi; Dewi, Ivana Rosediana
MALIA: Journal of Islamic Banking and Finance Vol 10, No 1 (2026): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v10i1.36603

Abstract

Indonesia has experienced rapid growth in the Islamic banking sector, which is expected to contribute to national economic growth. This study examines the short-run and long-run relationships between Islamic banking performance and Indonesia’s economic growth proxied by Gross Domestic Product (GDP). Using quarterly data from Islamic Commercial Banks (BUS) and Islamic Business Units (UUS) during 2012–2021, this study analyzes the effects of BOPO, ROA, ROE, financing, and Non-Performing Financing (NPF) on GDP through the Vector Error Correction Model (VECM). The results show that, in the long run, BOPO, ROE, and financing have a positive and significant effect on GDP, while NPF negatively affects economic growth. Meanwhile, ROA does not significantly influence GDP. The Granger causality test indicates a one-way causal relationship from GDP to financing and ROA. These findings confirm the important role of Islamic banking intermediation and financial performance in supporting economic growth in Indonesia. This study contributes to the literature by providing empirical evidence on the dynamic relationship between Islamic banking performance and economic growth in Indonesia using the VECM approach, covering both long-run equilibrium and short-run adjustment mechanisms. The findings also provide policy implications for strengthening Islamic banking performance and financing effectiveness to support sustainable economic development.
The Effect of Green Banking Disclosure, Leverage, and Corporate Governance on Islamic Banks’ Financial Performance Maharani, Reza Putri; Yuningrum, Heny; W, Eka Harisma
MALIA: Journal of Islamic Banking and Finance Vol 10, No 2 (2026): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v10i2.34692

Abstract

In recent years, Islamic Commercial Banks in Indonesia have faced increasing pressure to enhance financial performance while complying with sustainability principles and sound corporate governance. The implementation of green banking practices, effective leverage management, and good corporate governance (GCG) are considered crucial factors in maintaining competitiveness and long-term stability in the Islamic banking industry. This study aims to analyze the effect of Green Banking Disclosure, Leverage, and Good Corporate Governance (GCG) on the financial performance of Islamic Commercial Banks (ICBs) in Indonesia during the 2020–2023 period. This study employs a quantitative research design with an explanatory approach. Data were collected using the documentation method, consisting of financial statements and annual reports of Islamic Commercial Banks registered with the Financial Services Authority (OJK) for the 2020–2023 period. Data analysis was conducted using panel data regression techniques with statistical software. The results show that Green Banking Disclosure does not have a significant effect on the financial performance of Islamic Commercial Banks, as indicated by a significance value above 0.05. In contrast, Leverage and Good Corporate Governance (GCG) have a negative and significant effect on financial performance. Simultaneously, Green Banking Disclosure, Leverage, and GCG significantly affect financial performance. These findings indicate the importance of effective leverage management and strong corporate governance in improving the financial performance of Islamic Commercial Banks.

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