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Husni Shabri
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husnishabri@iainbatusangkar.ac.id
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albank@iainbatusangkar.ac.id
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Kampus II IAIN Batusangkar Jl. Raya Batusangkar-Padang Panjang KM.7 Nag. Parambahan-Lima Kaum, Batusangkar
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INDONESIA
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 Konsep Uang Menurut Ulama Salaf Dan Khalaf Serta Implikasinya Dalam Perbankan Syariah Rizal Fahlefi; Alimin Alimin; Rivian Anda Sari; Widi Nopiardo
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.v3i2.9758

Abstract

Penelitian ini bertujuan untuk menganalisis tentang konsep uang dalam Islam menurut ulama salaf dan khalaf serta implikasinya dalam dunia perbankan syariah. Penelitian ini menggunakan metode penelitian studi pustaka dimana peneliti berupaya menggali dan menemukan konsep yang diteliti melalui penelusuran berbagai sumber-sumber kepustakaan yang relevan. Hasil penelitian menunjukkan bahwa para ulama, baik dari kalangan Salaf maupun Khalaf, berbeda pendapat mengenai penggunaan emas dan perak sebagai mata uang, pendapat pertama menyatakan mata uang hanya terbatas pada emas dan perak sedangkan pendapat kedua menyatakan sebaliknya bahwa boleh juga dalam bentuk lain. Pencetakan uang kertas secara berlebihan akan mempengaruhi kestabilan nilai mata uang. Sistem penganggaran dalam Islam sebenarnya tidak memerlukan untuk berutang atau mencetak uang lebih banyak guna membiayai defisit, namun jika terdapat kondisi yang mengharuskan mencetak uang baru maka hak prerogatif pemerintah tersebut harus tunduk pada batasan untuk menjaga keseimbangan antara mencetak uang dan menjaga inflasi dalam 'batas yang wajar'. Oleh karena itu, perbankan syariah komersial merupakan perpanjangan tangan dari bank sentral untuk menstabilkan nilai mata uang dengan cara-cara yang Islami pula
Efisiensi Bank Umum Syariah Pada Masa Pemulihan Ekonomi Pasca Covid-19 Lidyana Arifah
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.v3i2.10191

Abstract

This study aims to measure the efficiency level of Islamic Commercial Banks during the economic recovery period after the co-19 storm. The type of research is quantitative descriptive research. The samples in this study were 10 Islamic Commercial Banks. The data collection technique in this study used documentation in the form of Islamic bank financial reports published by OJK. The data analysis technique uses the Data Envelopment Analysis (DEA) method. The results showed that there were differences between the 2 models used, namely CRS and VRS. Based on the CRS model, 5 Islamic commercial banks experienced efficient conditions, while the other 5 banks were inefficient. While using the VRS model only 2 banks did not reach efficient, namely Bank Muamalat Indonesia and Bank Mega Syariah. While the other 8 commercial banks reached the efficient level. Based on these results, some inefficient banks are advised to increase their inputs to help improve bank performance.
Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

Abstract

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion
Financing Process Analysis of Bank Nagari Syariah and BPRS in West Sumatra: Precautionary Principle Implementation Yenti, Fitri; Wahyuni, Elmiliyani; Shabri, Husni
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14458

Abstract

This study aims to analyze the financing implementation process at Bank Nagari Syariah and Sharia Rural Banks (BPRS) in West Sumatra, focusing on the application of the precautionary principle. This research employs a descriptive qualitative method, with data collected through in-depth interviews, document analysis, and direct observation of eight BPRS: PT BPRS Mentari Saiyo, PT BPRS Haji Miskin, PT BPRS Carana Kiat Andalas Bukittinggi, PT BPRS Ampek Angkek Canduang, PT BPRS Almakmur Payakumbuh, PT BPRS Sungai Puar Syariah, PT BPRS Barakah Nawaitul Ikhlas Solok, and PT BPRS Gajah Nan Tongga Sawah Lunto. The data were analyzed thematically, focusing on the implementation of the 6C and 5C assessment methods. The findings reveal that Bank Nagari Syariah and BPRS consistently apply the precautionary principle to mitigate the risk of default. This study implies the need to strengthen risk assessment systems based on sharia principles to improve financing asset quality and enhance customer trust in sharia banking
Risk Mitigation of National Amil Zakat Agency Tanah Datar Regency Sari, Chitra Indah; Rizal, Rizal; Nurhamima, Nurhamima
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.13995

Abstract

This study examines the integration of ISO 31000 into risk management practices at the National Amil Zakat Agency (BAZNAS) in Tanah Datar Regency. A qualitative field research methodology was employed, involving in-depth interviews with key informants. Data triangulation ensured the validity of the findings, while thematic analysis identified core patterns and themes. The theoretical framework utilized ISO 31000's risk management process, including risk identification, analysis, and treatment. The findings revealed ten significant risks categorized into financial, operational, strategic, and hazard risks. High-priority risks include the absence of sanctions for non-compliant zakat payers, while medium-level risks involve the failure to meet zakat targets and inaccuracies in beneficiary selection. Low-priority risks include errors in recommending zakat recipients by local officials. The integration of ISO 31000 provides a systematic approach to identifying and mitigating these risks, ensuring more transparent and accountable zakat management. The study offers actionable recommendations for BAZNAS, including strengthening public education on zakat, implementing stricter verification processes for beneficiaries, and fostering community-based approaches to encourage zakat payments
Perbandingan Konsep Sistem Lembaga Keuangan Sosial Syariah : Bank Wakaf Mikro, Baznas Microfinance Desa, dan Bank Infak Alimin, Alimin; Fahlefi, Rizal; Shabri, Husni; Zulkifli, Zulkifli
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14756

Abstract

This research aims to analyze the comparison of the concept of the operational system of Islamic Social Financial Institutions such as the Micro Waqf Bank, Baznas Microfinance Village, and Infak Bank. The research method uses qualitative Conceptual Comparison Method. Data collection techniques using interviews and documentation. The results showed that the system concepts of three Indonesian Islamic social financial institutions are purely social from the aspects of status as a social institution, funding, financing, and distribution, and have many operational system similarities. However, there are differences in the sources of capital in the form of alms, zakat, waqf, general donations, and CSR which have become the responsibility of the company. In terms of type, the three institutions are classified as ethical banks or non-bank Islamic ethical financial institutions because they emphasize the purpose of their activities on outcomes and impact rather than profit at all. In terms of the cash waqf theory of capital resilience, the three institutions are less efficient from the aspect of business sustainability, because the amount is at risk of decreasing and will always depend on donations, where the funds are channeled to poor businesses that are at risk of inability to repay loans. The researcher recommends a commercial social financial institution model that is commercial in seeking profit, but social in profit distribution
Pengaruh E-Trust dan E-Service Quality Terhadap E-Loyalty Pengguna Layanan Mobile Banking Bank Umum Syariah Nengsih, Novia; Septianna, Syifa
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.13559

Abstract

This research aim to determine the influence of e-trust and e-service quality on the e-loyalty of mobile banking users at Islamic commercial banks. This research employs a quantitative research method. The sampling technique used is purposive sampling. The data analysis techniques employed include testing the research instrument, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the R² test. The results of the study indicate that e-trust has a significant influence on the e-loyalty of mobile banking users at Islamic commercial banks. Furthermore, e-service quality also has a significant influence on the e-loyalty of mobile banking users at Islamic commercial banks. Moreover, e-trust and e-service quality together have a significant effect on e-loyalty.. Based on the results of the coefficient of determination (R Square) test, a value of 0.505 or 50.5% was obtained. This indicates that e-trust  and e-service quality together explain 50.5% of the variability in e-loyalty of mobile banking users at Islamic commercial banks, while the remaining 49.5% is influenced by other variables not included in this study.
Penggunaan E-wallet pada Generasi Milenial dengan Pendekatan UTAUT pada Mahasiswa Perbankan Syariah UIN Mahmud Yunus Batusangkar Gampito, Gampito; Rahma, Faiza Nabila; Candra, Revi; Hasibuan, Abdul Nasser
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.13300

Abstract

The purpose of this study was to analyze the interest in using E-walet among UIN Mahmud Yunus Batusangkar students using the Unified Theory Of Acceptance Use Of Technology (UTAUT) approach. The research method used is descriptive quantitative. The study population was 357 students of the Sharia Banking study program with a sample of 78 people calculated using the slovin formula. Data collection techniques using questionnaires. The data analysis technique uses multiple linear regression. The results showed that performance expectancy, social influence, and facilitating conditions partially influenced the interest in using e-wallets for students of the Islamic Banking Study Program, UIN Mahmud Yunus Batusangkar. While effort expectancy has no effect on interest in using e-wallets.  Simultaneously performance expectancy, effort expectancy, social influence, and facilitating conditions affect the interest in using e-wallets among students. The contribution of performance expectancy, effort expectancy, social influence, and facilitating conditions variables to influence interest is 68.3%.
Teknologi Digital : Pengaruhnya terhadap Efektifitas Manajemen Sumber Daya Insani Bank Syariah di Tanah Datar Wahyuni, Elmiliyani; Asmawanti, Dri
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14819

Abstract

The purpose of this study was to determine the effect of digital technology on Human Resource Management at Islamic Banks in Batusangkar, both aspects of recruitment, performance appraisal, training and employee development. The research method uses mixed method with sequential exploratory model by combining qualitative and quantitative research methods sequentially. The first stage of the research was carried out qualitative methods and in the second stage quantitative. The results of this study indicate that digital technology has a significant influence on Islamic banking SDI management. Digital transformation not only increases efficiency and transparency, but also accelerates decision-making and improves workforce quality through technology-based training. However, for the impact of digitalization to be optimized, Islamic banking needs to adopt a decentralized strategy in SDI management and improve digital literacy for all employees. This will ensure that digital technology is not only a supporting tool, but also an integral part of a more innovative and adaptive SDI management strategy.

Page 5 of 5 | Total Record : 49

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