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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 91 Documents
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Enhancing Green Banking Practices to Support Sustainable Development Goals: A Case Study of Bank Syariah Indonesia in Purwokerto MEI, Ubaidillah; Akhris Fuadatis Solikha; Putri Khoirunnisa Azahra
Journal of Finance and Islamic Banking Vol. 7 No. 2 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v7i2.10017

Abstract

Green banking policies are crucial in aligning banking practices with environmental sustainability and supporting the global agenda of Sustainable Development Goals (SDGs). However, the implementation of such policies, particularly in Islamic banking institutions in Indonesia, remains underexplored. This study examines the implementation of Green Banking policies at Bank Syariah Indonesia in Purwokerto and assesses customer perceptions of these policies. Using a qualitative approach with field research methods, data were collected from Bank Syariah Indonesia employees, the Financial Services Authority (OJK), the Ngudi Dadi Livestock Group, customers, and MSMEs in Banyumas. Data analysis utilized the Miles and Huberman model with validation through the Triangulation method. The results reveal that Bank Syariah Indonesia has implemented Green Banking through Defensive, Preventive, Offensive, and Sustainable Banking approaches. Additionally, the application of the Green Coin Rating (GCR) framework—including carbon emissions reduction, green rewards, green building initiatives, recycling practices, paperless operations, and green investments—contributes to achieving the SDGs. These findings address research gaps and emphasize the policy's contributions to sustainability and customer engagement.
Islamic Banking and Halal MSME Development: Financial Access and Inclusion Ahyar, Muhammad Khozin; Catur Kurniawan; M Ramli; Dimas Riski Efendi
Journal of Finance and Islamic Banking Vol. 7 No. 2 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v7i2.10049

Abstract

This study examines the accessibility of MSME financing in Islamic banks, focusing on the transformations accelerated by the Covid-19 pandemic. As community activities were restricted, Islamic banks rapidly digitized their services to maintain customer engagement. Despite digital advancements, financing processes, especially for MSMEs, still heavily rely on face-to-face interactions, which pose challenges for MSME clients with limited access to information, capital, and guarantees. Using a quantitative approach with SmartPLS, the research investigates the impact of various financial inclusion indicators on MSME financing. The outer model test confirmed the validity and reliability of all variables (AVE > 0.50, Cronbach’s Alpha > 0.75). The inner model test revealed that office networks and IRDPK significantly influenced MSME financing, while ATM availability showed a moderate effect. Additionally, the IRPBY variable did not exert a positive impact. This study highlights the crucial role of Islamic bank office networks in facilitating MSME access to financing, especially in the halal sector, and suggests that further digital innovations could enhance accessibility.
Investigating the Impact of Technology Acceptance Factors on Digital Payment Interest Indana, Rifaatul
Journal of Finance and Islamic Banking Vol. 7 No. 2 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v7i2.10020

Abstract

This study aims to analyze the factors influencing interest in using digital payment systems by applying the Technology Acceptance Model 2 (TAM 2) approach. The research population consists of students at UIN Sunan Kalijaga Yogyakarta who use digital payment services. Data collection was conducted through an online questionnaire distributed via Google Forms, resulting in a sample of 165 respondents who met the research criteria. The collected data were then analyzed using the SmartPLS 3.0 application to test the proposed hypotheses. The findings reveal that seven out of ten hypotheses were accepted, while three hypotheses were rejected. The study highlights the significant impact of subjective norms, image, job relevance, output quality, and perceived usefulness on students' interest in using digital payments. However, certain variables, such as perceived ease of use, were found to have no significant effect on perceived usefulness. These results provide valuable insights into the factors driving digital payment adoption among students, emphasizing the role of social influence, perceived benefits, and system efficiency. The study contributes to a deeper understanding of digital payment acceptance and offers recommendations for improving adoption strategies.
Research on the Capital Adequacy Ratio, Good Governance and Leverage in Islamic Banking Uckun, Nurullah; Ölçen, Olcay
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11056

Abstract

Purpose: This research mainly proposes to investigate the Islamic Banks considering Capital Adequacy Ratio (CAR) and corporate governance for 13 Muslim countries and the United Kingdom. Method: Econometric panel data analysis is utilized for this research after necessary tests are used. The research data is taken from the World Bank and Islamic Financial Services Board web page. Results: According to research results, a %1 augmentation in political stability causes a 0.0518 increase in Capital Adequacy Ratio (CAR), a %1 rise in regulator quality causes a 0.0416 increase in Capital Adequacy Ratio (CAR), a %1 increase in Capital to Asset Ratio causes to 0.708 increase in CAR (index). According to the research model, ROE, Control of Corruption, Government Effectiveness, and Political stability do not in a significant statistical relationship with Capital Adequacy Ratio. Implication: The findings of this study suggest that there can be interpretation differences between conventional banks and their Islamic counterparts regarding banking financial management. In the regulative dimension, the existence and efforts of Basel regulations and the Islamic Financial Services Board develop in parallel with this context on the subject of CAR and other important dimensions of Islamic Banks. Originality: This paper contributes to Islamic finance literature by integrating governance and leverage variables into a unified model for assessing CAR    
Cutomer Loyalty in the Age of Digital Sharia Finance: Evidence from Bank Digital Aladin Syariah Mahsun; Tia Rahmatika; Nurazizah; M. Zainul Ridho; Zilal Afwa Ajidin; Ratna Dewi Kusumawati; Husnul Muamilah
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11814

Abstract

Purpose: This study aims to examine the influence of e-service quality, halal perception, and trust in online platforms on customer loyalty, with customer satisfaction as a mediating variable, focusing on users of Bank Digital Aladin Syariah among Generation Z students. Method: The research employed a quantitative descriptive approach using purposive sampling. Data were collected via structured questionnaires and analyzed using path analysis with multiple linear regression, including F-test and t-test procedures, processed through SPSS version 30. Results: The results indicated that e-service quality, halal perception, and trust in online platforms had a significant direct effect on both customer satisfaction and customer loyalty. However, customer satisfaction did not serve as a mediating variable in the relationship between the three independent variables and loyalty, suggesting that these factors influenced loyalty independently. Implication: The findings provide managerial insights for Islamic digital banking institutions to focus on improving digital service quality, reinforcing Sharia compliance, and building platform trust to foster customer loyalty. Originality: This paper contributes to the literature on Islamic digital finance by integrating technological, ethical, and religious variables into a unified model for explaining customer loyalty. The study offers a novel perspective by focusing on Generation Z users with specific exposure to Islamic banking education and experience.
Technology Acceptance and the Use of Non-Cash Payment Systems: Empirical Evidence from Generation Y and Z Dijan Novia Saka; Muhamad Wildan Fawaid; Muhammad Ridwan Bakhtiar; Muhammad Alfasa Ilham Haq; Mahammadaree Waeno
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11872

Abstract

Purpose: This study aims to examine the determinants influencing the use of non-cash transaction services among Generation Y and Z, focusing on the application of the Unified Theory of Acceptance and Use of Technology (UTAUT) model. Method: This research adopts a quantitative approach using convenience sampling with a total of 713 respondents. Data analysis techniques include descriptive statistics, Partial Least Square (PLS) regression, and path model analysis using SmartPLS and Microsoft Excel. Results: The results indicate that all latent variables—performance expectancy, facilitating conditions, social influence, risk perception, and trust perception—have a significant influence on the intention to use non-cash transaction services. Although effort expectancy shows a positive relationship, its effect is not statistically significant. Implication: The findings offer valuable insights for digital financial service providers and policymakers to enhance system accessibility, trust, and user convenience to encourage broader adoption among tech-savvy generations. Originality: This study contributes to the digital payment literature by integrating technological, social, and psychological factors within the UTAUT framework, specifically targeting Generation Y and Z as key demographic groups driving the future of cashless economies.
The Influence of Credit Risk and Liquidity with Guarantee Interest Rate as a Moderator on the Financial Performance of Conventional and Islamic Rural Banks (BPR and BPRS) Rachman, Arief; Putra Pamungkas
Journal of Finance and Islamic Banking Vol. 7 No. 2 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v7i2.11014

Abstract

This study aims to evaluate the financial performance (profitability), credit risk, and liquidity of BPR and BPRS before and during the pandemic. The study focuses on analyzing the impact of credit risk and liquidity on profitability and the moderating effect of the guarantee interest rate on liquidity in relation to the financial performance of BPR and BPRS. Design/methodology/approach: A total sample of 1,349 BPR and 153 BPRS across Indonesia was analyzed using Stata software. The research employed quantitative methods to test the proposed hypotheses regarding the relationships between credit risk, liquidity, and profitability, while assessing the moderating role of the guarantee interest rate. Research Findings: The findings show that NPL/NPF significantly affects the financial performance (ROA) of BPR and BPRS, with an increase in NPL/NPF negatively impacting profitability. Additionally, the guarantee interest rate strengthens the positive relationship between LDR/FDR and ROA, indicating that higher interest rates improve fund management and financial performance. Theoretical Contribution/Originality: This study contributes to the literature by highlighting the significant role of credit risk management and the importance of interest rate moderation in enhancing the financial stability and profitability of BPR and BPRS. It also emphasizes the differences in risk management approaches between BPR and BPRS, especially during economic downturns like the pandemic.
The Role of Sharia Fintech in Enhancing Financial Inclusion in the Digital Era Alfian, Ian; Abd Majid, M Shabri; Sugianto
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11798

Abstract

Purpose: This study aims to critically examine the role of Sharia-compliant financial technology (fintech) in enhancing financial inclusion, particularly among underserved Muslim populations in the digital era. Method: Employing a Systematic Literature Review (SLR) guided by the PRISMA protocol, this study analyzes 20 peer-reviewed journal articles published between 2018 and 2025.. Results: The findings are organized into four thematic domains: (1) improved access to finance for MSMEs through Sharia fintech platforms, (2) the critical role of digital and Sharia financial literacy in building trust, (3) regulatory fragmentation and ecosystem limitations, and (4) the ethical imperative of embedding justice in Islamic financial inclusion. Implication: The study provides actionable policy recommendations for regulators, fintech developers, and Islamic financial institutions to foster a sustainable and ethically grounded digital finance ecosystem. Originality: This study contributes to the literature by combining Islamic financial inclusion theory with contemporary digital finance practices.
Strengthening Resilience through Risk Management in Islamic Microfinance Institutions: A Case Study of BPRS in Riau Adiyes Putra; Khaidir, Widya; Nurnasrina; Siti Aisyah
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11799

Abstract

Purpose: This study aims to examine the implementation and effectiveness of risk management in Islamic Rural Banks (BPRS) in Riau Province, particularly in strengthening the resilience of sharia-compliant financing amidst growing financial uncertainties. Method: Using a qualitative case study approach, this research investigates two BPRS—Berkah Dana Fadhlillah and Hasanah—in both rural and urban contexts. Data were collected through interviews, observations, and document analysis involving practitioners, regulators, and academics. Results: The findings reveal that BPRS in Riau have implemented risk management systems in accordance with POJK No. 23/2019. Key strategies include policy formulation, development of risk-aware organizational culture, human resource enhancement, and financing segmentation—shifting from micro to consumer segments (e.g., murābaḥah). This strategic shift significantly reduced the Non-Performing Financing (NPF) rate. Implication: The research underscores the need for periodic updates in risk management strategies and enhanced professional capacity to maintain financing sustainability. Originality: This study contributes to the literature by integrating the concepts of organizational resilience and Islamic value frameworks in analyzing risk management practices at regional Islamic microfinance institutions.
Analyzing The Nexus Between Digital Financial Inclusion, Economic Growth, and Environmental Sustainability Impact in ASEAN Region Taufik, Nukman; Danarsari, Dwi Nastiti
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.11815

Abstract

Purpose: This study aims to examine the impact of digital financial inclusion—proxied by debit card usage and ATM availability—on both economic growth and environmental sustainability across 11 ASEAN member countries during the period from 2010 to 2023. Method: Using panel data regression analysis, the study employs the Feasible Generalized Least Squares (FGLS) estimation method to analyze the relationship between financial inclusion, economic growth, and carbon emissions. Results: The analysis reveals a positive and significant relationship between debit card penetration and economic growth, suggesting that greater digital financial access contributes to economic performance. Conversely, the relationship between ATM availability and economic growth appears inconsistent. Implication: These findings underscore the need for policymakers, financial regulators, and development agencies to design financial systems that not only promote growth but also incorporate environmental safeguards. Originality: This research contributes to the literature by integrating digital financial inclusion metrics within an EKC framework to simultaneously evaluate economic and environmental outcomes in developing economies.

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