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Banco: Jurnal Manajemen dan Perbankan Syariah
Published by Institut Agama Islam Negeri Parepare
ISSN : 26849534     EISSN : 26848643     DOI : -
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Banco: Jurnal Manajemen dan Perbankan Syariah publishes original works that contribute to scientific discussion of Sharia Economic, Management and Bisnis Sharia, Sharia Banking, Economic Development, Sharia Finance and Accounting, Management and Economic any related issues. The works on the issues of world religions and global societies are welcome. Submissions are welcome not only from scholars of religious studies and Islamic studies, but also political scientists, legal scholars, economists, anthropologists. All submissions must not be previously published elsewhere.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 83 Documents
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Syariah-Compliant Fintech in Banking: Bridging Financial Gaps in Indonesia and the Philippines Purnamasari, Rini; Rismala; Ibrahim, Hasmiene Diocolano
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i2.9512

Abstract

Purpose – This study aims to explore the role of Sharia-compliant Fintech in addressing financial and cultural gaps in Indonesia and the Philippines Method – Utilizing a mixed-methods approach, the research integrates qualitative interviews and focus group discussions with quantitative surveys analyzed using Structural Equation Modeling (SEM) Findings – The findings reveal that Indonesia’s advanced regulatory framework and market maturity enable robust adoption of Sharia-compliant Fintech, enhancing financial inclusion for underserved communities. In contrast, the Philippines, particularly the BARMM region, demonstrates untapped potential hindered by limited infrastructure and regulatory gaps. Practical implications – Practical implications include the need for policymakers to develop comprehensive regulations, financial institutions to build trust, and technology innovators to design culturally aligned solutions Originality/value – comparative analysis of Sharia-compliant Fintech adoption in two socio-religiously distinct countries, providing actionable insights for scaling culturally sensitive financial technologies across Southeast Asia
Efficiency and Accessibility of Sharia Home Financing for Millennials: A Study of BSI's Griya Si Muda Program vs BTN iB Property Fatkhurrozi, Tanto; Mugiyati
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i2.9537

Abstract

Purpose – The study aims to explore how sharia-compliant home financing programs bridge affordability, Islamic values, and cultural traditions to meet millennial housing needs in Indonesia Method – Employing a qualitative approach with a literature study method, the research compares financing schemes, requirements, and benefits offered by Bank Syariah Indonesia (BSI) and Bank Tabungan Negara (BTN) Syariah. Findings –. Findings reveal that both programs integrate Islamic principles with modern financial practices, offering innovative solutions for millennials to achieve homeownership. BSI’s "Griya Si Muda" focuses on flexibility and affordability with fixed installments, while BTN’s "Properti iB" combines Murabahah and Musyarakah Mutanaqisah contracts for joint ownership, emphasizing long-term equity. Practical implications highlight the importance of leveraging digital platforms to enhance accessibility and cultural alignment. This study provides original insights into the role of Islamic finance in fostering sustainable housing solutions tailored to millennial preferences and socio-religious contexts. Practical implications – That millennials seeking home financing can choose a program based on their specific needs: BSI Griya Si Muda is suitable for workers with a fixed income who prioritize ease of application, certainty of installments, and a large ceiling, while BTN iB is more suitable for those who require age flexibility, self-employment, or gradual ownership options. Prospective customers should consider their financial profile, long-term plans, and financing scheme preferences before making a decision. Originality/value – a unique comparative analysis that provides guidance for millennials in choosing Islamic home financing according to their needs as well as recommendations for the development of Islamic banking products.
Hashar: Unlocking Traditional Collective Works Practice as Integrated Cultured Islamic Philanthropy Model Khalimovna, Khilola; Omonova, Nilufar
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i2.11671

Abstract

Purpose – This study explores the role of Hashar as a traditional collective work practice in Uzbekistan and its integration with Islamic philanthropic principles.. The findings reveal that Hashar embodies the principles of mutual assistance (Takaful) and voluntary service (Sadaqah), effectively bridging cultural heritage and Islamic values. Method – Using a mixed-methods approach, data were collected through field observations, in-depth interviews with community leaders and religious scholars, and analysis of relevant historical and cultural records. Findings – The results highlight Hashar’s adaptability in addressing contemporary challenges, such as mobilizing community resources in underserved areas and fostering intergenerational engagement. Practical implications –Leveraging digital platforms to modernize Hashar coordination, forming partnerships with NGOs, and integrating Hashar with formal philanthropic mechanisms like Zakat and Waqf. Originality/value – The interplay between tradition and modern Islamic philanthropy, offering actionable strategies for policymakers and community leaders to promote culturally aligned sustainable development
Zakat, Infaq, and Sedekah (ZIS) Management in Economic Recovery in Makassar Indonesia: A Cross-Cultural Perspective from Turkey and Egypt Nur Saidy, Emily; Mahsyar, Nun Maziyah; Ashraf, Amal
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 1 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.9470

Abstract

Purpose – This study examines the distribution and effectiveness of ZIS (Zakat, Infak, and Sedekah) funds in revitalizing the mustahik economy in the post-pandemic period. Method – Employing a qualitative phenomenological approach, this research explores the lived experiences of stakeholders while drawing comparisons with the zakat systems implemented in Egypt and Turkey. Findings – The study reveals that, while ZIS distribution in Makassar has positively impacted many beneficiaries, its effectiveness in fostering sustainable economic growth remains constrained by limited funding and a lack of capacity-building programs. Lessons from Egypt and Turkey—such as adopting digital platforms for enhanced transparency and efficiency and fostering institutional collaboration to increase public trust—offer actionable insights for improving the ZIS system in Makassar. Practical Implications – This study provides a global perspective on optimizing ZIS fund utilization to support economic recovery, with practical recommendations for policymakers and zakat institutions. Originality/Value – By adopting a comparative and cross-cultural approach, this study offers unique insights into the distribution and effectiveness of ZIS funds in a post-pandemic context, contributing to the broader discourse on zakat system improvement.
Public Perception of Security and Reliability: How to Build a Trust in Islamic Banking? febrika, Febrika sari; Sarmigi, Elex; Hj. Saini, Muhd. Zaki
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 1 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.11016

Abstract

Purpose - This study aims to analyze public perceptions of the security and reliability of transactions at Bank Syariah Indonesia, Sungai Penuh Branch. The primary focus is to uncover the mindset, expectations, and uncertainties of the public regarding Islamic financial services, which play a crucial role in addressing the growing expansion of the Islamic banking industry in Indonesia. Method - This research employs a qualitative approach. The study involves 10 respondents from Sungai Penuh City to understand their beliefs, experiences, and trust in Islamic banking. Data collection was conducted through in-depth interviews to obtain comprehensive perspectives. Findings - The analysis is expected to provide a comprehensive overview of how the public perceives the security and reliability of transactions in Islamic financial institutions. The findings will highlight various factors influencing public perception, including personal experiences, knowledge of Islamic financial products, and the level of trust in banks. Practical Implication - The research findings are expected to contribute valuable insights into the factors influencing public perceptions of Islamic financial services. This study also aims to provide recommendations for Bank Syariah Indonesia, not only in the Sungai Penuh Branch but also in other branches, to enhance transaction systems, customer trust, and service quality. These improvements are essential in addressing increasingly complex technological challenges. Originality/value - This study is original as it offers an in-depth understanding of public perceptions of the services provided by Bank Syariah Indonesia, Sungai Penuh Branch. The qualitative approach makes this research a valuable reference for developing Islamic banking strategies in Indonesia and other countries, such as Brunei Darussalam
Islamic Banking Innovation and Customer Satisfaction: A Case Study of Indonesia and Nigeria Yarmanti A., Violla; Wissalam Bustami, Alek; Muhammad Ardo, Adam
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 1 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.11018

Abstract

Purpose - The study examines the impact of digital accessibility, transparency, security, and product innovation on consumer trust and engagement. Method - This study utilizes a qualitative research methodology, incorporating in-depth interviews and thematic analysis to extract insights from Islamic banking clients and industry specialists. The data gathering emphasizes consumer experiences, opinions of service quality, and expectations for digital financial services Findings - The results demonstrate that users of Islamic banking prioritize service quality, security protocols, and digital accessibility. Customers demonstrate a pronounced inclination towards mobile banking services that incorporate sophisticated yet intuitive features, as well as more transparency in financial transactions and investment methodologies. Moreover, proficient risk management and the use of fintech technologies enhance client trust and happiness Practical Implication - enhance consumer behavior theories in Islamic banking, highlighting the relationship between technology adoption, institutional trust, and Sharia compliance. An immediate necessity for Islamic banks to invest in digital security, improve financial transparency, and create innovative Sharia-compliant financial products Originality/value - an innovative comprehensive analysis of the convergence of Islamic banking services, technology progress, and consumer expectations by incorporating numerous variables, including security, transparency, and innovation, into a coherent framework
Fintech Lending Adoption among Muslim Millinials in Southeast Asia Safira, Nabila; Inayatillah; Meutia, Rachmi; Kamri, Nor ‘Azzah; Yusof, Ku Abdulmuhaimin
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 1 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.11358

Abstract

This article discusses how economic, social, and cultural factors simultaneously influence the interest in using online loans among the millennial Muslim generation in Banda Aceh. The purpose of this study is to determine the economic, social, and cultural factors simultaneously influencing the interest in using online loans among the millennial Muslim generation in Banda Aceh. The research method uses a quantitative research method. The data source used in this study is primary data. Data obtained from the first data source at the research location, both individuals and companies, obtained through filling out questionnaires or interviews. In the data collection technique, this study uses a questionnaire method. In this study, filling out the questionnaire in the form of questions that are given a value weight using a likert scale. The results of this study indicate that the economic factor variables (X1) and social factors (X2) have a positive and significant influence on the use of online loans among the millennial Muslim generation in Banda Aceh City, while the cultural factor variable shows that it has a negative and significant influence.
Cultural Dynamics of Islamic Banking in Libya: Overcoming Regulatory Fragmentation and Enhancing Financial Literacy Aljadi, Soliman; Mayhub, Abdul Razak; Ahmoudah, Ali
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 1 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.12158

Abstract

Purpose – This study aims to examine the integration of Islamic banking in Libya, focusing on cultural relevance, regulatory challenges, and economic impact Method – Using a qualitative approach, data was collected through stakeholder interviews, case studies from Malaysia and the UAE, and policy analysis to assess the factors influencing Islamic financial adoption in Libya. Findings – The findings indicate that Islamic banking aligns with Libya’s socio-cultural values, yet regulatory inconsistencies and limited financial literacy hinder widespread adoption. The study confirms that Sharia-compliant microfinance products enhance financial inclusion, particularly for rural and unbanked populations, but digital banking infrastructure remains underdeveloped. Practical implications – Theoretically, the study contributes to Institutional Theory, Maqashid Sharia Framework, and Financial Inclusion Theory, demonstrating the role of regulatory governance and cultural adaptation in financial sustainability. Practically, the findings suggest that Libya should establish a centralized Sharia advisory body, implement targeted financial literacy programs, and invest in Islamic fintech solutions. Originality/value – The originality of this study lies in its comparative analysis of Libya’s Islamic banking sector and its integration of cultural financial practices into modern Islamic finance models
Repositioning Islamic Banking Education in Aceh: Insights from Student Perceptions and Global Best Practices Diana, Sari; Friwarti, Sri Dwi; Maulida, Ulvia; Mellyan
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 1 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.12867

Abstract

Purpose – This research aims to explore the perceptions of prospective students in choosing the Islamic Banking Study Program at STAIN Teungku Dirundeng Meulaboh and to explore the factors influencing their views on the program. Method – The research employs a mixed-method approach, involving 267 students from the West-South Aceh region as respondents. Findings –.The results indicate that 193 prospective students (73.40%) are interested in pursuing higher education, while 71 the students (26,6%) have no intention of continuing their studies. Furthermore, 207 prospective students (77.5%) were unaware of the Islamic Banking Study Program at STAIN Meulaboh, whereas 60 (22.5%) acknowledged knowing about the program. In terms of interest, 167 prospective students (62.5%) were not interested in enrolling in the Islamic Banking Study Program, while 100 (37.5%) expressed their interest. Several factors influencing their perceptions include experience, faculty qualifications, and cost. Practical implications – Understanding the factors affecting prospective students' perceptions can help institutions, particularly STAIN Teungku Dirundeng Meulaboh, develop strategies such as create engaging content for social media platform and build strong alumni networks to improve awareness and attract more interest in the Islamic Banking Study Program. Originality/value – This study provides insights into islamic banking study program, prospective students’ behavior, Islamic finance education, and mixed-method research
Between Strict and Flexibilty: A Comparative Insight of Qawa'id al-Fiqhiyyah in Islamic Banking Practices of Saudi Arabia and Pakistan suparman, Suparman Kholil; Hersi, Mohammed
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i2.12799

Abstract

Purpose – This study aims to analyze how Islamic legal maxims are implemented in the banking sectors of Saudi Arabia and Pakistan, with comparative insights from Indonesia and Malaysia Method – Using a qualitative comparative approach, this research examines fatwas, regulatory frameworks, and governance structures to assess the operationalization of key legal maxims such as al-umuru bi maqasidiha (matters are judged by their objectives) and la darar wa la dirar (there should be neither harming nor reciprocating harm).. Findings – The findings reveal significant differences in the rigidity and flexibility of sharia interpretations across the studied countries. Saudi Arabia adheres to a classical and strict fiqh-based framework, ensuring minimal deviation from traditional rulings. Pakistan, in contrast, integrates modern financial needs within its Islamic banking structure, allowing for greater adaptability. Indonesia and Malaysia offer a middle ground, where sharia compliance is integrated with financial technology and regulatory innovations, ensuring broader financial inclusion. These variations demonstrate the impact of socio-economic and institutional frameworks on the application of Islamic legal principles in banking governance. Practical implications – The study contributes to the discourse on Islamic legal pluralism, showing that sharia compliance in banking is shaped by both legal tradition and economic necessities. Its novelty lies in providing a comparative analysis of different national models. The implications suggest that future regulatory frameworks should balance sharia adherence with financial sustainability, ensuring that Islamic banking remains both ethically grounded and economically competitive in the global market. Originality/value – Its novelty lies in providing a comparative analysis of different national models, illustrating how Islamic legal maxims remain relevant but are applied differently based on institutional and economic priorities

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