Al-bank: Journal of Islamic Banking and Finance
Al-Bank: Journal of Islamic Banking and Finance is a journal that publishes research results related to the themes of Islamic Banking and Finance. It also provides an important role in promoting the process of knowledge, values and skills. Scientific texts that discuss the topics of Islamic Banking and Finance are highly expected to be presented. This journal warmly welcomes the contributions of scientists and experts in the fields of Islamic Banking and Finance to submit research articles that had never been published in other media or journals. Al-Bank is published twice a year, in January and July . The editorial team received the research article, typed 1.15 cm in space on A4 paper, double column, 12-20 pages long or 4000 to 7000 words. Every article published has gone through a peer-review process to maintain the quality of the publication. The scope of the albank journal accepts articles in the field of Islamic banking and finance which include: Funding dan Financing Islamic Banking, Sharia Financial Technology, Asset and Liability Management Islamic Banking, Islamic Bank Treasury Management, Islamic Bank Liquidity Management, Islamic Bank Capital Structure, Islamic Bank Fund Management, Islamic Bank Risk Management, Islamic Bank Marketing Management, Sharia Bank Operational Management, Foreign Exchange Management, Measuring the Health of Islamic Banks, Sharia Banking Regulation, Central Bank, Financial Stability, Sharia Bank Performance, Sharia Monetary and Fiscal Policy.
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<![CDATA[Efisiensi Bank Umum Syariah Pada Masa Pemulihan Ekonomi Pasca Covid-19 ]]>
<![CDATA[Arifah, Lidyana]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i2.10191
<![CDATA[This study aims to measure the efficiency level of Islamic Commercial Banks during the economic recovery period after the co-19 storm. The type of research is quantitative descriptive research. The samples in this study were 10 Islamic Commercial Banks. The data collection technique in this study used documentation in the form of Islamic bank financial reports published by OJK. The data analysis technique uses the Data Envelopment Analysis (DEA) method. The results showed that there were differences between the 2 models used, namely CRS and VRS. Based on the CRS model, 5 Islamic commercial banks experienced efficient conditions, while the other 5 banks were inefficient. While using the VRS model only 2 banks did not reach efficient, namely Bank Muamalat Indonesia and Bank Mega Syariah. While the other 8 commercial banks reached the efficient level. Based on these results, some inefficient banks are advised to increase their inputs to help improve bank performance.]]>
<![CDATA[Analisis Konsep Uang Menurut Ulama Salaf Dan Khalaf Serta Implikasinya Dalam Perbankan Syariah ]]>
<![CDATA[Fahlefi, Rizal]]>;
<![CDATA[Alimin, Alimin]]>;
<![CDATA[Sari, Rivian Anda]]>;
<![CDATA[Nopiardo, Widi]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i2.9758
<![CDATA[Penelitian ini bertujuan untuk menganalisis tentang konsep uang dalam Islam menurut ulama salaf dan khalaf serta implikasinya dalam dunia perbankan syariah. Penelitian ini menggunakan metode penelitian studi pustaka dimana peneliti berupaya menggali dan menemukan konsep yang diteliti melalui penelusuran berbagai sumber-sumber kepustakaan yang relevan. Hasil penelitian menunjukkan bahwa para ulama, baik dari kalangan Salaf maupun Khalaf, berbeda pendapat mengenai penggunaan emas dan perak sebagai mata uang, pendapat pertama menyatakan mata uang hanya terbatas pada emas dan perak sedangkan pendapat kedua menyatakan sebaliknya bahwa boleh juga dalam bentuk lain. Pencetakan uang kertas secara berlebihan akan mempengaruhi kestabilan nilai mata uang. Sistem penganggaran dalam Islam sebenarnya tidak memerlukan untuk berutang atau mencetak uang lebih banyak guna membiayai defisit, namun jika terdapat kondisi yang mengharuskan mencetak uang baru maka hak prerogatif pemerintah tersebut harus tunduk pada batasan untuk menjaga keseimbangan antara mencetak uang dan menjaga inflasi dalam 'batas yang wajar'. Oleh karena itu, perbankan syariah komersial merupakan perpanjangan tangan dari bank sentral untuk menstabilkan nilai mata uang dengan cara-cara yang Islami pula]]>
<![CDATA[Analisis Pengaruh Customer Intimacy, Ambient Conditional Dan Interactional Justice Terhadap Kepuasan Serta Dampaknya Pada Loyalitas Nasabah ]]>
<![CDATA[Setiansye, Ika]]>;
<![CDATA[Guritno, Agung]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i2.8477
<![CDATA[The purpose of this study was to determine the effect of Customer Intimacy, Ambient Conditional and Interactional Justice on Customer Satisfaction and its impact on Customer Loyalty of Bank Syariah Indonesia KCP Kebumen. The research method uses a quantitative approach. The population in this study were customers of Bank Syariah Indonesia KCP Kebumen with a sample size of 100 customers. The analysis technique uses path analysis. The results showed that partially Customer Intimacy, Ambient Conditions and Interactional Justice had an effect on customer satisfaction. Customer Intimacy and interactional justice have a direct effect on loyalty through the satisfaction variable. Ambient Condition only has a direct effect on customer loyalty.]]>
<![CDATA[Peran BMT Al Makmur Dalam Mewujudkan Ketahanan Ekonomi Keluarga Miskin ]]>
<![CDATA[Mariko, Suhatri]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i2.9264
<![CDATA[This study aims to analyze the role of the Sharia Microfinance Institution BMT Al Makmur in efforts to realize the economic resilience of poor families. This type of research is field research with a qualitative descriptive approach. The data sources are BMT Al Makmur Leaders and Murabahah Financing Customers. Data collection techniques are interviews and documentation. Data analysis techniques are carried out through data reduction, data display and conclusion drawing. The results showed that the presence of BMT Al Makmur as a Sharia Microfinance Institution has had a positive impact on realizing economically resilient families by managing family economic risks for the future. Through murabahah financing channeled for the purpose of purchasing gold which is used as a medium for saving money by customers, because it is believed that investment through gold is a safe and profitable investment category. The gold is used as a reserve to anticipate and fulfill needs for the future, such as the need for children's education costs, and to make their own homes.]]>
<![CDATA[Determinan Keputusan Nasabah Menabung di BTN Syariah KC Solo dengan Minat Sebagai Variabel Intervening ]]>
<![CDATA[Cahyani, Ajeng Regita]]>;
<![CDATA[Guritno, Agung]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i2.8544
<![CDATA[The purpose of this study was to determine the factors that influence customer decisions to save at Islamic banks with customers interest as an intervening variable. The research method uses an associative descriptive quantitative approach. The number of samples was 100 respondents of Islamic bank customers. data collection techniques using questionnaires. The results showed that profit sharing rate, bank reputation, religiosity and interest directly had a positive effect on customer saving decisions at BTN Syariah. Then the profit sharing rate, reputation and religiosity have a positive effect on customer interest in saving at BTN Syariah. Interest variables are also unable to mediate the effect of profit sharing rate, reputation and religiosity on customer decisions indirectly]]>
<![CDATA[Determinant Factors Of Profitability Of Islamic Banks In 2017-2021 With Capital Adequacy Ratio As a Variable Intervening ]]>
<![CDATA[Wita Sari, Eka]]>;
<![CDATA[Irvani, Ahmad]]>;
<![CDATA[Meilani, Reka]]>;
<![CDATA[Cipta, Hendra]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i2.9088
<![CDATA[This study aims to analyze the effect of Non Performing Financing (NPF) and Finance to Deposit Ratio (FDR) on Islamic bank profitability mediated by Capital Adequacy Ratio (CAR). This study uses secondary data in the form of panel data (pooled data), which is a combination of cross section data and time series data. The analysis technique uses path analysis. The results showed that FDR has no influence on CAR while NPF affects the CAR of Islamic banks. FDR and NPF directly have no influence on the ROA of Islamic banks. CAR variable is only able to be intervening between NPF and ROA while FDR variable indirectly through CAR variable has no significant effect on ROA of Islamic banks.]]>
<![CDATA[Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat ]]>
<![CDATA[Azlina, Nur]]>;
<![CDATA[Shabri, Husni]]>;
<![CDATA[Qizam, Ibnu]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i2.9169
<![CDATA[This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by banks because they have a very strong influence on bank performance.]]>
