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Shariah Banking Study Program, Faculty of Islamic Economics and Business, UIN Raden Mas Said Surakarta. Jl. Pandawa No. 1, Pucangan, Kartasura, Central Java, Indonesia, 57168. Phone: 02271 781516, Fax: 02271 782774
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Journal of Finance and Islamic Banking
Published by Universitas Islam Negeri Raden Mas Said Surakarta
ISSN : 26152967     EISSN : 26152975     DOI : prefix 10.22515/jfib
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal of Finance and Islamic Banking is a peer reviewed journal that is published by the Sharia Banking Department of UIN Raden Mas Said Surakarta in collaboration with the scholars association Ikatan Ahli Ekonomi Islam, published biannually in June and December. This journal publishes current, original research on Islamic finance and Islamic banking. The Journal of Finance and Islamic Banking openly welcomes scholars, postgraduate students, and practitioners to submit their best research articles that correspond to the topics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 6 Documents
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Search results for , issue "Vol. 5 No. 2 (2022)" : 6 Documents clear
The Effect of Transparency and Accountability on Muzaki Loyalty through Muzaki Satisfaction as an Intervening Variable at the Amil Zakat Institution (LAZ) in Indonesia: Transparency, accountability, muzaki’s satisfaction, muzaki’s loyalty, amil zakat institutions Salman, Kautsar Riza; Anggraini, Rahimdiawati Mila
Journal of Finance and Islamic Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i2.5131

Abstract

The primary item that needs to be discussed and pursued is the increasing number of people who pay zakat (muzaki). This is meant to maximize the role of zakat in reducing poverty in Indonesia. This study used muzaki satisfaction as an intervening variable to examine the influence of transparency and accountability on muzaki loyalty. Muzaki of the Amil Zakat Institute, Nurul Hayat Tuban, was the focus of this study. In this study, 48 people were gathered through an offline distribution in the Tuban district. SPSS version 25 was used to analyse the questionnaire responses. This study indicates that Muzaki’s satisfaction is significantly influenced by direct (partial) transparency. Accountability does not influence muzaki satisfaction when applied directly. Transparency does not influence muzaki loyalty in the short-term. Direct responsibility does not influence muzakiloyalty. Muzaki’s satisfaction directly influences loyalty. Muzaki satisfaction can improve muzaki loyalty by mediating (intervening) transparency. Furthermore, muzaki satisfaction is incapable of mediating (intervening) accountability in muzakiloyalty.
Switching Behaviour in Using Islamic Digital Banks in Indonesia: Push-Pull Mooring Model Albanna, Hasan; lutpika, Ika
Journal of Finance and Islamic Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i2.5150

Abstract

This study aims to analyse the factors influencing customers’ switching behaviour in the use of digital banking from the perspective of the PPM model. A self-administered questionnaire was used to collect the data. PLS-SEM was used to analyse the data. The results showed that alternative attractiveness, response to a service failure, and push factors positively influence switching intention behaviour. Switching cost as a mooring factor positively influences switching intention behaviour. Meanwhile, switching intention influences switching behaviour. However, alternative attractiveness and involuntary switching as pull factors negatively affect switching intention behaviour. Several studies have been conducted on switching intention behaviour in the use of digital banking products and services. However, studies on the switching intention behaviour of Islamic digital bank products and services are scarce. This study contributes to the literature on switching behaviour in the use of Islamic digital banks.
Influence of Cash Waqf on Economic Growth Evidence from Malaysia Ramli, Mona Fairuz; Shaari, Mai Syaheera M.; Bakhri, Boy Syamsul
Journal of Finance and Islamic Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i2.5404

Abstract

This paper proposes to look into the connection between Malaysian economic growth and cash waqf. This research makes use of time series data from the World Bank’s development indicators covering the years 2013 to 2019. To analyse both the long-term as well as short-term relationships between Malaysia’s cash waqf and the country’s economic growth, this research used the Autoregressive Distributed Lag (ARDL) model for cointegration and the Error Correction Model (ECM). Furthermore, the data indicates that while cash waqf has a short-term negative impact on economic growth, it possesses a favourable long-term impact from 2013 to 2019. Cash waqf is gradually becoming a tool for improving social well-being, lowering poverty rates and assisting in economic growth in the long run. Hence, the results portray a strong government supporting the importance of strengthening the waqf distribution policy to improve economic growth by raising awareness among financial institutions about the importance of philanthropy in cash waqf management and distribution. The ARDL model for cointegration and the ECM are used to assess both short- and long-run relationships in this research to add to the body of knowledge with regard to economic growth and cash waqf in Malaysia.
Efficiency of Islamic Banks in Indonesia: Service Coverage, Business Size, Financing and Profitability During a Pandemic Nurcahyani, Anggita; Syarifudin, Efi; Nani
Journal of Finance and Islamic Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i2.5413

Abstract

Earlier studies on banking efficiency during the COVID-19 period have not considered the issue of service coverage due to work restrictions through PPKM and the trend of digitizing services. This study aims to map the efficiency of Islamic banks during a pandemic from a production perspective by utilizing labor, the number of offices, and equity as input variables. The output variable represents the bank's ability to generate total financing and operating income. The efficiency analysis in this study uses a Variable Return to Scale (VRS) approach by using secondary data in the form of financial reports and annual reports of 14 Islamic commercial banks registered with the Financial Services Authority (OJK) in the 2019-2021 period. The findings in the study are that, in general, most Islamic banks can maintain their productivity and efficiency during the pandemic. There was a decline in efficiency in 2020 but improved again in 2021. Islamic banks with the most service coverage and large business sizes, such as BSI (BNIS, BRIS, BSM) and BTPNS were able to keep their efficiency. Surprisingly, BMI maintained efficiency in 2019-2020 but experienced a significant decline in 2021. The practical implication of this research is that most Islamic banks can keep their performance during pandemics driven by various macroprudential policies and digital adaptation. Furthermore, it is recommended that the direction of efficiency projection is from the input side, such as employee reduction.
Determinant Factors of Digital Financial Literacy: A Study of Women Entrepreneurs Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Muhammad Luqman Hakim
Journal of Finance and Islamic Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i2.5495

Abstract

Micro, Small, and Medium Enterprises contribute to 61% of economic growth in Indonesia. The financial gap in MSMEs financing is based on data from the Ministry of Cooperatives and MSMEs. Women comprised the majority of MSMEs (61.8%). There were 38.03% literacy problems and 76.19% inclusion criteria. This study investigated the digital financial literacy of female entrepreneurs in Central Java. A survey method was used in this study with 100 women entrepreneurs. Digital Financial Literacy is identified in the three OECD components: Digital Financial Knowledge, Digital Financial Behavior, and Digital Financial Attitudes. The results of this study indicate that the average respondent had sufficient knowledge of digital finance. Limited knowledge of insurance services and capital markets. Meanwhile, the digital financial behavior and attitude components show that digital security protection measures are still low. It is hoped that digital financial literacy can support female entrepreneurs in developing their businesses.
Factor Influence Paying Zakat Using Digital Payment Waluyo
Journal of Finance and Islamic Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i2.6511

Abstract

This study aims to see what factors encourage people to pay zakat through a digital (online) platform using Islamic mobile banking. This study uses the population of Sragen people who have made digital payment transactions in paying zakat using Islamic mobile banking. Samples were obtained 100 respondents with random sampling technique. The theoretical approach uses the technology acceptance model (TAM) which is expanded with knowledge and religiosity variables. While the data analysis used multiple linear regression analysis. The results show that perceived usefulness, knowledge and religiosity variables influence people's decisions to pay zakat digitally (online) using Islamic mobile banking. While the perceived ease of use has no significant effect. This is due to infrastructure factors that have not been able to reach the area optimally, so even though the application used is easy but not supported by adequate internet facilities, the accessibility is limited.

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