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Husni Shabri
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albank@iainbatusangkar.ac.id
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Al-bank: Journal of Islamic Banking and Finance
Published by Institut Agama Islam Negeri Batusangkar
ISSN : 27979466     EISSN : 27978265     DOI : DOI: http://dx.doi.org/10.31958/ab.v1i1
Core Subject : Economy,
Economics, Econometrics & Finance
The scope of the albank journal accepts articles in the field of Islamic banking and finance which include: Funding dan Financing Islamic Banking, Sharia Financial Technology, Asset and Liability Management Islamic Banking, Islamic Bank Treasury Management, Islamic Bank Liquidity Management, Islamic Bank Capital Structure, Islamic Bank Fund Management, Islamic Bank Risk Management, Islamic Bank Marketing Management, Sharia Bank Operational Management, Foreign Exchange Management, Measuring the Health of Islamic Banks, Sharia Banking Regulation, Central Bank, Financial Stability, Sharia Bank Performance, Sharia Monetary and Fiscal Policy.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 49 Documents
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Analisis Determinan Loyalitas Nasabah Bank Syariah Indonesia Kantor Cabang Pembantu Kendal Weleri Anggi Nadia Nurohmah; Agung Guritno
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.7786

Abstract

This study aims to analyze the effect of Marketing Communication, Excellent Service and Emotional Branding on Customer Loyalty with Satisfaction as an Intervening Variable. This study uses a quantitative descriptive approach with primary data obtained through distributing questionnaires. The results showed that Marketing Communication had a positive and insignificant effect on Loyalty and Satisfaction while Excellent Service had a negative and insignificant effect on Loyalty but had a positive and insignificant effect on satisfaction. Only Emotional Branding has a direct significant positive effect on Loyalty. Satisfaction has a significant positive effect on Loyalty. Satisfaction is unable to mediate the effect of Marketing Communication and Emotional Branding on Loyalty, and Satisfaction is able to mediate the effect of Excellent Service on Loyalty.
Analisis Akad Wakalah Pada Transaksi Financial Technology Syariah Citra Kirana Astika Putri; Jihan Anggraini; Hana Rahmah Kamila; Faisal Al Fadli; Fadhli Suko
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.7963

Abstract

This study aims to analyze the application of the wakalah contract in the sharia fintech digital payment system in one of the sharia fintech service products in Indonesia. This type of research is a literature study with a quantitative descriptive approach. The results showed that the wakalah contract in Islamic financial technology transactions is allowed if the issuer and the parties organizing electronic money and digital financial service agents do not use an ijarah contract. This is in accordance with DSN-MUI Fatwa No. 10/DSN-MUI/IV/2000 concerning wakalah which applies rewards to wakalah contracts. Instead of renting services, the issuer represents its duties to the parties organizing electronic money including digital financial service agents. So that the results of this study can be a guideline in making and formulating policies.
Keputusan Mahasiswa Menggunakan Jasa Perbankan Syariah : Apakah Pengaruh Literasi Keuangan Syariah ? Elvinda Yulianti; Elmiliyani Wahyuni S; Suwardi Suwardi; Revi Candra
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.8027

Abstract

This study aims to determine the effect of Islamic financial literacy on the decisions of students majoring in Islamic banking at the Faculty of Economics and Islamic Business IAIN Batusangkar in the use of Islamic banking services. This type of research is field research with an associative descriptive quantitative approach. The analysis technique uses simple linear regression. Data collection techniques using questionnaires from sample data as many as 85 people. The results showed that Islamic financial literacy had a positive and significant effect on the decisions of students majoring in Islamic banking in using Islamic banking services with a contribution of 58.9%. The rest is influenced by other variables not examined in this study
Peran Kepuasan Dalam Memediasi Pengaruh Customer Experience, Word Of Mouth Dan Kualitas Layanan Mobile Banking Terhadap Loyalitas Nasabah Vika Nur Safitri; Emy Widyastuti
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.8133

Abstract

This study aims to analyze the role of satisfaction in mediating the relationship between Customer Experience (CE), Word Of Mouth (WoM) and Mobile Banking Service Quality (SQ) with Customer Loyalty. The research method uses associative descriptive quantitative by analyzing secondary data in the form of questionnaires. The population is Bank Syariah Indonesia sub-branch office Kudus customers and a sample of 100 respondents determined by purposive sampling technique. The results showed that loyalty can be influenced by CE positively but not significantly, influenced by WoM positively significant and influenced by SQ negatively insignificant. Furthermore, the satisfaction variable is influenced by CE positively but insignificantly, influenced by WoM positively significantly and influenced by SQ negatively insignificantly. In testing Z against Y, a significant relationship with a positive direction was found. Furthermore, the role of satisfaction as a mediator is only able to mediate the effect of WoM on loyalty
Strategi PT. BPR Balerong Bunta dalam Percepatan Konversi ke BPR Syariah Fitri Yenti; Yani Rahmadanti; Awaluddin Awaluddin
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.8007

Abstract

The research aims to find out the strategies carried out by PT BPR Balerong Bunta in the process of accelerating the conversion from conventional banks to Islamic banks. This type of research is field research with a qualitative descriptive approach. Data analysis techniques are carried out through data collection by interview, data reduction, data display and conclusion drawing. The results showed that the strategy carried out by PT. BPR Balerong Bunta in accelerating the conversion was to form a special team named the conversion team, conduct a comparative study, make a conversion business feasibility study, coordinate directly with prospective Sharia Supervisory Board and the board of commissioners, as well as conduct weekly meetings, complete the conversion requirements regulated by the Financial Services Authority, prepare core banking IT, conduct training and development of directors and employees
Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat Nur Azlina; Husni Shabri; Ibnu Qizam
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9169

Abstract

This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by banks because they have a very strong influence on bank performance.
Determinant Factors Of Profitability Of Islamic Banks In 2017-2021 With Capital Adequacy Ratio As a Variable Intervening Eka Wita Sari; Ahmad Irvani; Reka Meilani; Hendra Cipta
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9088

Abstract

This study aims to analyze the effect of Non Performing Financing (NPF) and Finance to Deposit Ratio (FDR) on Islamic bank profitability mediated by Capital Adequacy Ratio (CAR). This study uses secondary data in the form of panel data (pooled data), which is a combination of cross section data and time series data. The analysis technique uses path analysis. The results showed that FDR has no influence on CAR while NPF affects the CAR of Islamic banks. FDR and NPF directly have no influence on the ROA of Islamic banks. CAR variable is only able to be intervening between NPF and ROA while FDR variable indirectly through CAR variable has no significant effect on ROA of Islamic banks.
Determinan Keputusan Nasabah Menabung di BTN Syariah KC Solo dengan Minat Sebagai Variabel Intervening Ajeng Regita Cahyani; Agung Guritno
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.8544

Abstract

The purpose of this study was to determine the factors that influence customer decisions to save at Islamic banks with customers interest as an intervening variable. The research method uses an associative descriptive quantitative approach. The number of samples was 100 respondents of Islamic bank customers. data collection techniques using questionnaires. The results showed that profit sharing rate, bank reputation, religiosity and interest directly had a positive effect on customer saving decisions at BTN Syariah. Then the profit sharing rate, reputation and religiosity have a positive effect on customer interest in saving at BTN Syariah. Interest variables are also unable to mediate the effect of profit sharing rate, reputation and religiosity on customer decisions indirectly
Peran BMT Al Makmur Dalam Mewujudkan Ketahanan Ekonomi Keluarga Miskin Suhatri Mariko
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9264

Abstract

This study aims to analyze the role of the Sharia Microfinance Institution BMT Al Makmur in efforts to realize the economic resilience of poor families. This type of research is field research with a qualitative descriptive approach. The data sources are BMT Al Makmur Leaders and Murabahah Financing Customers. Data collection techniques are interviews and documentation. Data analysis techniques are carried out through data reduction, data display and conclusion drawing. The results showed that the presence of BMT Al Makmur as a Sharia Microfinance Institution has had a positive impact on realizing economically resilient families by managing family economic risks for the future. Through murabahah financing channeled for the purpose of purchasing gold which is used as a medium for saving money by customers, because it is believed that investment through gold is a safe and profitable investment category. The gold is used as a reserve to anticipate and fulfill needs for the future, such as the need for children's education costs, and to make their own homes.
Analisis Pengaruh Customer Intimacy, Ambient Conditional Dan Interactional Justice Terhadap Kepuasan Serta Dampaknya Pada Loyalitas Nasabah Ika Setiansye; Agung Guritno
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.8477

Abstract

The purpose of this study was to determine the effect of Customer Intimacy, Ambient Conditional and Interactional Justice on Customer Satisfaction and its impact on Customer Loyalty of Bank Syariah Indonesia KCP Kebumen. The research method uses a quantitative approach. The population in this study were customers of Bank Syariah Indonesia KCP Kebumen with a sample size of 100 customers. The analysis technique uses path analysis. The results showed that partially Customer Intimacy, Ambient Conditions and Interactional Justice had an effect on customer satisfaction. Customer Intimacy and interactional justice have a direct effect on loyalty through the satisfaction variable. Ambient Condition only has a direct effect on customer loyalty.

Page 4 of 5 | Total Record : 49

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