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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 91 Documents
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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.
Initiating a Sharia Audit Model for Zakat Management Organizations In Indonesia Riani, Deni
Journal of Finance and Islamic Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i2.6661

Abstract

The proliferation of zakat management organizations in Indonesia is part of the zakat problem in Indonesia. The zakat management organization as an intermediary organization between muzaki and mustahiq must have a management basis that is trustworthy, professional, transparent and accountable. The presence of Law Number 23 of 2011 and Government Regulation Number 14 of 2014 provides a legal basis for sharia audits to be carried out as a guarantee of security and comfort for muzakki in paying zakat through BAZNAS and LAZ. The main objective of the shariah audit is to provide certainty of compliance with sharia rules both in terms of collection, distribution and utilization of zakat. This study describes the basic concepts in carrying out sharia audits of zakat management organizations, where there are several main things that must be carried out in carrying out sharia audits of zakat management organizations based on existing laws and general provisions in conducting audits in general as part of the guidelines that must be adhered to. . With the sharia audit carried out, it will increase public confidence in paying zakat through zakat institutions. The sharia audit framework for zakat management organizations includes the planning, implementation and reporting stages and the last is in the form of an opinion on the audit implementation in the form of a statement that is appropriate or not appropriate and then recommendations for improvement on the implementation of the audit.
The Effect of Efficiency and Credit Risk on Islamic Banking Stability in The Gulf Cooperation Council Countries Qurba, Ulul; Juliana Jaya, Tiara
Journal of Finance and Islamic Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i2.6689

Abstract

Previous studies on the effect of efficiency on the stability of Islamic banking have not extensively explored the potential influence of credit risk on stability. Additionally, inconsistencies in previous study results and contradictions with existing theories exist. This study aims to examine the impact of Efficiency and Credit Risk on Islamic banking stability in GCC member countries. Stability is measured using the Z-Score, Efficiency is assessed through the DEA method, and Credit Risk is determined by the NPF ratio. The study employs a purposive sampling method, with data collected from 9 Islamic banks in GCC member countries and analyzed using Panel Data Regression analysis in Eviews 12.0. Results indicate that efficiency has an insignificant effect on Islamic banking stability, while credit risk shows a positive yet insignificant influence on stability. However, both independent variables simultaneously affect Islamic banking stability. This study contributes to understanding the levels of stability, efficiency, and credit risk in Islamic banking within GCC countries, known for hosting some of the world's top Islamic banks, and sheds light on the impact of efficiency and credit risk on bank stability.
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.
Should Sharia Banks Go Public: Analysis Using The RGEC Method Hanafi, Rustam; Sutapa; Ifada, Luluk Muhimatul
Journal of Finance and Islamic Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i2.7333

Abstract

Recently, the OJK has encouraged Shariah banks to go public to obtain new funding sources for business expansion, increasing corporate value and image. In fact, are Sharia Banks that go public better than non-go public. Therefore, this study aims to test whether the health of Sharia Banks that go public is better than non-go public. Observation data used 122 Sharia Banks during the 2014-2022 period. Using an independent sample t-test and RGEC health indicators, we find that Sharia Banks that go public have better health than non-go public but are not significantly different. These results also indicate why Sharia Banks go public are not as many as Conventional Banks. Sharia Banks adhere to the principle of prudence, including going public. If going public does not significantly change the health and performance of a Shariah Bank, the initiative to go public needs to be careful because ownership will transfer to shareholders. It will be a problem if shareholders do not understand Sharia principles.
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.

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