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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
 1 
Search results for , issue "Vol. 6 No. 1 (2023)" : 6 Documents clear
The Driving Factors of Customers' Intentions to Use Micro Waqf Bank Financing: A Behavioral and Religiosity Approach Fauziah, Fauziah; Hanis, Rianda
Journal of Finance and Islamic Banking Vol. 6 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i1.7254

Abstract

Bank Waqaf Mikro (BWM) is a sharia-based microfinance institution whose existence is needed by the community. The basic concept of the BWM is to develop entrepreneurship among productive poor people. The BWM disburses financing which plays a very important role in encouraging the development of productive poor people's businesses. Due to the importance of the existence of the BWM, this research focuses on how to maintain the sustainability of this institution, by studying the contributor to the formation of customer intent to use BWM financing. This research uses the Theory of Planned Behavior (TPB) approach by involving the internal and external environment reflected in attitude/ATT, subjective norms/SN, and perceived behavioral control/PBC. In addition, this research involved the Religiosity variable (RG) as a moderating variable or reinforcement of each TPB variable. The results show that internal factors (attitude/ATT) influence customers to use financing services provided by the BWM. Meanwhile, external factors reflected in the perceived behavioral control or the ease of accessing the BWM financing products are important motivators for customers, supported by instilled religious values that can strengthen customer intent to use BWM financing products. Thus, the ATT and PBC variables have a positive and significant effect on customer intent (INT) with the RG variable proven to moderate (strengthen) the relationship between the ATT and the PBC variables.
Does Financial Inclusion Increase MSME Financing at Islamic Banks During Covid 19? Wibowo, Muhammad Yusuf Perkasa; Sriyana, Jaka
Journal of Finance and Islamic Banking Vol. 6 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i1.7655

Abstract

The impact of Covid-19 on MSME has necessitated solutions through MSME financing at Sharia Banks, involving the role of financial inclusion to address their financial challenges. The purpose of this study is to analyze the role of financial inclusion in stimulating MSME financing during Covid 19 with a focus on the effect of financial inclusion on MSME financing at Islamic banks during covid 19. The method used is Panel Data Analysis with the best model chosen, namely the Fixed Effect Model with GLS weights used Seemingly Uncorrelated Regression to solve autocorrelation problems and a higher adjusted R-Square value. The object of research is Islamic Banks using secondary data from 33 provinces in Indonesia during the Covid-19 period, from March 2020 to December 2022 with total of 1122 observations. The results of this study imply that any increase in financial inclusion will increase Islamic Bank Financing for the MSME sector in each province in Indonesia. Furthermore, during this period, an increase in DPK can enhance the distribution of inclusive financing, while a rise in NPF ratio can reduce it. This research contributes by demonstrating that the increased inclusivity of financial services can enable easier and more affordable access to financial products and services offered by formal institutions, particularly in the context of financing for MSME, with the aim of improving overall well-being and addressing the impact of COVID-19.
Does Religiosity Mediate Gen Z’s Cosmetic Product Purchase Decisions? Yudha, Ana Toni Roby Candra; Haryono, Slamet
Journal of Finance and Islamic Banking Vol. 6 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i1.7768

Abstract

The size of the Gen Z segmentation, which reaches a range of 40 per cent in 2045 and the tendency to consume halal products, and the role of religiosity are interesting studies to be studied. With regard to this, the stimulus-organism-response (SOR) model is needed to see and analyse the credibility of the influncer and the role of religiosity in mediating the decision to purchase cosmetic products. This study was conducted with a quantitative approach of SemPLS method, with 100 respondents, most of whom are gen Z. This study found that the model obtained was valid, but the position of religiosity did not mediate the credibility of endorsers, popularity, and business ethics on purchasing decisions for cosmetic products. This is considered reasonable, considering that consumers use more rationality in deciding their purchases. In addition, the popularity, attractiveness, and credibility of endorsers increase the decision to purchase cosmetic products. Of course, in accordance with the findings, valuable input can be provided, especially in the halal beauty industry to continue to educate with improved marketing strategies and contribute to the theoretical literature of management and marketing science.
The Impact of Electronic Customer Relationship Management and Quality Moderated by Sharia Compliance on Loyalty: Study on Islamic banks in Jakarta Rochmad, Rochmad
Journal of Finance and Islamic Banking Vol. 6 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i1.7774

Abstract

In the rapidly digitizing landscape of Islamic banking, innovation is imperative for competitiveness and delivering top-tier services to customers. Electronic Customer Relationship Management (E-CRM) emerges as a key solution, streamlining interactions between banks and customers in the digital realm. This study delves into how E-CRM and Service Quality affect Customer Loyalty within Islamic banks, with a focus on Shariah Compliance as a moderating factor. The aim is to decipher how the Islamic banking sector can cultivate and enhance customer relationships in the digital age. Employing a quantitative approach, the research collects survey data from 212 Islamic bank customers through random sampling. Structural Equation Modeling (SEM), executed using IBM AMOS V.22 software, scrutinizes the collected data. Findings indicate a significant, positive contribution of E-CRM to Customer Loyalty. Interestingly, Service Quality doesn't wield a significant influence on Customer Loyalty, suggesting the presence of other influential factors in the Islamic banking arena. Notably, Shariah Compliance emerges as an important moderating element, bolstering the connection between Service Quality and Customer Loyalty, though it doesn't moderate the impact of E-CRM on Customer Loyalty.
Mediation and Moderation of Islamic Religiosity and Financial Risk Tolerance Wulandari, Fitri; Andraeny, Dita
Journal of Finance and Islamic Banking Vol. 6 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i1.8641

Abstract

This study investigates the mediation and moderation effects of Islamic religiosity and financial risk tolerance on investment decisions. It addresses a gap in the literature by exploring how these factors influence investment behavior, particularly in the context of Islamic finance. The research sample comprises individuals who have invested in Sharia-compliant assets, such as stocks, Sukuk, or Sharia mutual funds, and fall within the age range of 18 to 39 years. Data analysis is conducted using Structural Equation Modeling (SEM) with AMOS 23. The findings reveal interesting insights. Firstly, the direct impact of financial literacy on investment decisions is found to be insignificant. Secondly, while the moderating role of Islamic religiosity does not strengthen the influence of financial literacy on investment decisions, financial risk tolerance emerges as a significant mediator between financial literacy and investment behavior. Moreover, financial risk tolerance is observed to have a direct impact on investment decisions and can moderate the influence of financial attitudes on these decisions. These results contribute to a better understanding of the dynamics shaping investment behavior in the realm of Islamic finance. It highlights the importance of considering religious beliefs and risk attitudes in investment decision-making processes, particularly among individuals adhering to Islamic principles.
Implementation of New Prudential Banking Principles Through 6c + 1s at BSI KCP Godean Yogyakarta Wibisana, Karin Maria; Febriyanti, Novi
Journal of Finance and Islamic Banking Vol. 6 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i1.6616

Abstract

The purpose of this research is to find out the application of new prudential banking principles through 6c + 1s at BSI KCP Godean Yogyakarta and to find out the obstacles and solutions carried out by BSI KCP Godean Yogyakarta in implementing prudential banking principles through 6c + 1s. This study used a qualitative research method with field research. The results of the study found that Bank BSI KCP Godean in providing musyarakah financing to prospective customers has applied the precautionary principle by using the 6c + 1s principle. It's just that there is one indicator in the capacity principle that has not been implemented, namely an indicator of an assessment through an educational approach or assessing the educational background of prospective customers. The obstacle in implementing new prudential banking through the 6c + 1 principles is that it is influenced by two factors, namely internal factors originating from the bank such as negligence or lack of thoroughness on the part of the bank in charge of surveying customers and external factors originating from the customer side which are caused due to two elements namely due to elements of intentionality and unintentionalness. The solution implemented by BSI KCP Godean Yogyakarta in overcoming these obstacles is by conducting routine training for employees, carrying out mutations, rotating employees, and mentoring and supervising superiors.

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