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Supriyanto
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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 104 Documents
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Efficiency or Profitability? Strategic Dilemmas of Islamic Banks in the Global Financial Landscape Ian Alfian; Surya Agustina; Saparuddin Siregar; Sugianto
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.14204

Abstract

Purpose: This study aims to systematically analyze the relationship between efficiency and profitability in Islamic banks amid global financial dynamics shaped by crises, the COVID-19 pandemic, accelerated digitalization, and sustainability pressures. The research highlights a strategic dilemma faced by Islamic banks regarding whether to prioritize operational efficiency for long-term sustainability or emphasize short-term profitability, especially within the context of Sharia-based financial intermediation. Method: A Systematic Literature Review (SLR) approach was employed by synthesizing 30 international Scopus-indexed articles published between 2019 and 2025. The selected studies encompass analyses of internal banking determinants, comparative frameworks between Islamic and conventional banks, and contextual assessments involving regulatory, technological, and macroeconomic factors. Results: The synthesis confirms that profitability in Islamic banks is strongly associated with internal factors such as capital strength, liquidity management, asset quality, and governance mechanisms. However, efficiency emerges as a critical determinant of long-term sustainability, particularly under conditions of heightened competition and limited financial instruments within Sharia-compliant frameworks. Comparative analyses reveal a unique trade-off for Islamic banks driven by Sharia compliance constraints, resulting in distinct efficiency-profitability dynamics compared to conventional banking models. Implication: The findings underscore the necessity for Islamic banks to redesign strategic orientations by integrating digitalization, fintech-based innovations, and sustainable finance mechanisms to balance efficiency and profitability in a competitive global environment. From a policy perspective, the study informs regulators and industry stakeholders regarding the structural reforms required to enhance Islamic banks' competitiveness and resilience. Originality: This research contributes to the literature by synthesizing the most recent empirical and conceptual studies on Islamic bank performance and by elucidating the specific trade-offs between efficiency and profitability. The article offers a contemporary perspective on strategic repositioning within the Islamic banking sector and proposes a conceptual foundation for future empirical model development.
Islamic Financial Literacy and Financing Intentions at Islamic Banks by Farmers: Mediation of Perception of Behavioral Control Youla Agustin Hendarni; Mardhiyaturrositaningsih; Arif Afendi
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.14348

Abstract

Purpose: This study analyzes the role of Islamic financial literacy in shaping the intention of Islamic bank financing farmers, both directly and indirectly through behavioral control. Method: Using a quantitative approach with a survey method of 100 farmers in Pati Regency. The analysis technique uses Partial Least Square-Structural Equation Modeling (PLS-SEM) in the form of the SmartPLS 3 application. Results: These findings show that Islamic financial literacy does not directly encourage intentions, but must first build individual ability, confidence, and control as an intermediary to cause farmers' intentions in applying for Islamic bank financing. Implication: Theoretically, this study strengthens the planned behavior theory model by asserting behavior control as an intention builder. Practically, literacy education must be accompanied by ease of access and simplification of procedures in the agricultural sector. Originality: This study contributed by including behavioral control as a mediating variable. Thus, expanding literature that is still limited to the context of Islamic financial behavior in the agricultural sector.
Resilience of the Islamic Economic System in Facing Global Crises: A Review of Macroeconomic Stability Principles and the Experiences of Muslim Countries Yona Fitri; Khaidar Rahmaini Jamila; Yusrizal; M. Ridwan; Anugerah Fathir Alhadid
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.14985

Abstract

Purpose: This study examines the resilience of the Islamic economic system in responding to global financial crises by analyzing its core principles, including the prohibition of riba, profit-and-loss sharing, asset-backed financing, and zakat-based redistribution. Method: This research employs a Systematic Literature Review (SLR) guided by the PRISMA 2020 protocol. Boolean search strings were applied to Scopus, Web of Science, and Google Scholar, yielding 140 records, which were refined through identification, screening, eligibility, and inclusion stages into 25 final sources. The study also applies a structured cross-country comparative analysis of Malaysia, Indonesia, Saudi Arabia, Iran, and Türkiye using macroeconomic and financial stability indicators, including capital adequacy, non-performing financing/loans, credit growth, GDP volatility, and Islamic finance market share. Results: The findings indicate that Islamic financial institutions tend to demonstrate relatively stronger resilience during crisis periods due to risk-sharing mechanisms, asset-backed financing, and restrictions on speculative transactions. However, the effectiveness of this resilience depends on institutional governance, regulatory quality, and Shari’ah supervision. Implications: This study provides insights for regulators and Islamic financial institutions in strengthening governance, harmonizing Shari’ah standards, and developing substantive Islamic financial instruments. Originality: The study integrates a PRISMA-based SLR with indicator-based cross-country comparative analysis to examine Islamic economic resilience.
Does Halal Certification Improve MSME Financial Performance? Evidence from Culinary Businesses in Palu City Nabila Sukmah H; Sitti Aisya; Nursyamsu; Sofyan Bachmid; Fatma; Adib Susilo
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.15232

Abstract

Purpose: This study analyzes the role of Islamic financial literacy in shaping the intention of Islamic bank financing farmers, both directly and indirectly through behavioral control. Method: Using a quantitative approach with a survey method of 100 farmers in Pati Regency. The analysis technique uses Partial Least Square-Structural Equation Modeling (PLS-SEM) in the form of the SmartPLS 3 application. Results: These findings show that Islamic financial literacy does not directly encourage intentions, but must first build individual ability, confidence, and control as an intermediary to cause farmers' intentions in applying for Islamic bank financing. Implication: Theoretically, this study strengthens the planned behavior theory model by asserting behavior control as an intention builder. Practically, literacy education must be accompanied by ease of access and simplification of procedures in the agricultural sector. Originality: This study contributed by including perceived behavioral control as a mediating variable. Thus, expanding literature that is still limited to the context of Islamic financial behavior in the agricultural sector.

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