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Husni Shabri
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husnishabri@uinmybatusangkar.ac.id
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albank@uinmybatusangkar.ac.id
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Kampus II UIN Mahmud Yunus Batusangkar Jl. Raya Batusangkar-Padang Panjang KM.7 Nagari. Parambahan-Lima Kaum, Batusangkar
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Al-bank: Journal of Islamic Banking and Finance
Published by Universitas Islam Negeri Mahmud Yunus Batusangkar
ISSN : 27979466     EISSN : 27978265     DOI : http://dx.doi.org/10.31958/ab.v1i1
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 139 Documents
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Islamic Financial Inclusion in Islamic Bank: A Study of Supply and Demand in Central Java Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14580

Abstract

This study examines the constraints and strategies for enhancing Islamic financial inclusion in Central Java from the perspectives of supply and demand. Using a qualitative descriptive approach, data were collected through Focus Group Discussions with five Islamic Rural Banks (BPRS) and surveys involving 66 MSMEs. Findings reveal seven supply-side constraints, including limited public and human resource literacy, absence of ATMs, restricted branch networks, limited capital, difficulties in customer segmentation, and inadequate socialization efforts. Meanwhile, six demand-side barriers were identified, such as limited awareness of BPRS, perceived complexity in financing requirements, and concerns over collateral and loan repayments. To address these issues, two strategies are proposed: 1) targeted socialization and education campaigns and 2) enhanced collaboration with community organizations and stakeholders. The study underscores the need for joint efforts by BPRS, MSMEs, and the government to improve infrastructure and accessibility, thereby fostering broader Islamic financial inclusion
Financing Process Analysis of Bank Nagari Syariah and BPRS in West Sumatra: Precautionary Principle Implementation Yenti, Fitri; Wahyuni, Elmiliyani; Shabri, Husni
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14458

Abstract

This study aims to analyze the financing implementation process at Bank Nagari Syariah and Sharia Rural Banks (BPRS) in West Sumatra, focusing on the application of the precautionary principle. This research employs a descriptive qualitative method, with data collected through in-depth interviews, document analysis, and direct observation of eight BPRS: PT BPRS Mentari Saiyo, PT BPRS Haji Miskin, PT BPRS Carana Kiat Andalas Bukittinggi, PT BPRS Ampek Angkek Canduang, PT BPRS Almakmur Payakumbuh, PT BPRS Sungai Puar Syariah, PT BPRS Barakah Nawaitul Ikhlas Solok, and PT BPRS Gajah Nan Tongga Sawah Lunto. The data were analyzed thematically, focusing on the implementation of the 6C and 5C assessment methods. The findings reveal that Bank Nagari Syariah and BPRS consistently apply the precautionary principle to mitigate the risk of default. This study implies the need to strengthen risk assessment systems based on sharia principles to improve financing asset quality and enhance customer trust in sharia banking
Efisiensi Perbankan Syariah Di Indonesia Dengan Stochasitic Frontier Analysis (SFA) Setiyani, Duwi; Karsono, Lorena Dara Putri
Al-bank: Journal of Islamic Banking and Finance Vol 4 No 2 (2024): July - Desember 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i2.11853

Abstract

This study aims to examine the effect of Total Assets, Third Party Funds and Operating Costs on Total financing and measure the efficiency level of Bank Aladin Syariah in the 2020-2022 period. This research uses a quantitative approach with a causal associative research type. The data used in this study comes from the financial statements of Bank Aladin Syariah. The results showed that partially Total Assets had a significant effect on Total Financing of Bank Aladin Syariah. While Third Party Funds and Operating Costs have no effect on Total Financing. The highest efficiency value of Bank Aladin Syariah according to the Stochastic Frontier Analysis method occurred in the 2022 period. The implication of the research results is that the Bank Aladin Syariah policy improves its operational performance by being able to rationalize its operating costs. The highest efficiency value in 2022, the bank can concentrate policies by maintaining and improving efficiency through sustainable policies, regular evaluation, and adaptation to changes in the business environment. Bank Aladin Syariah can ensure the sustainability and improvement of its operational performance
Perbandingan Konsep Sistem Lembaga Keuangan Sosial Syariah : Bank Wakaf Mikro, Baznas Microfinance Desa, dan Bank Infak Alimin, Alimin; Fahlefi, Rizal; Shabri, Husni; Zulkifli, Zulkifli
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14756

Abstract

This research aims to analyze the comparison of the concept of the operational system of Islamic Social Financial Institutions such as the Micro Waqf Bank, Baznas Microfinance Village, and Infak Bank. The research method uses qualitative Conceptual Comparison Method. Data collection techniques using interviews and documentation. The results showed that the system concepts of three Indonesian Islamic social financial institutions are purely social from the aspects of status as a social institution, funding, financing, and distribution, and have many operational system similarities. However, there are differences in the sources of capital in the form of alms, zakat, waqf, general donations, and CSR which have become the responsibility of the company. In terms of type, the three institutions are classified as ethical banks or non-bank Islamic ethical financial institutions because they emphasize the purpose of their activities on outcomes and impact rather than profit at all. In terms of the cash waqf theory of capital resilience, the three institutions are less efficient from the aspect of business sustainability, because the amount is at risk of decreasing and will always depend on donations, where the funds are channeled to poor businesses that are at risk of inability to repay loans. The researcher recommends a commercial social financial institution model that is commercial in seeking profit, but social in profit distribution
Pengaruh E-Trust dan E-Service Quality Terhadap E-Loyalty Pengguna Layanan Mobile Banking Bank Umum Syariah Nengsih, Novia; Septianna, Syifa
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.13559

Abstract

This research aim to determine the influence of e-trust and e-service quality on the e-loyalty of mobile banking users at Islamic commercial banks. This research employs a quantitative research method. The sampling technique used is purposive sampling. The data analysis techniques employed include testing the research instrument, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the R² test. The results of the study indicate that e-trust has a significant influence on the e-loyalty of mobile banking users at Islamic commercial banks. Furthermore, e-service quality also has a significant influence on the e-loyalty of mobile banking users at Islamic commercial banks. Moreover, e-trust and e-service quality together have a significant effect on e-loyalty.. Based on the results of the coefficient of determination (R Square) test, a value of 0.505 or 50.5% was obtained. This indicates that e-trust  and e-service quality together explain 50.5% of the variability in e-loyalty of mobile banking users at Islamic commercial banks, while the remaining 49.5% is influenced by other variables not included in this study.
Penggunaan E-wallet pada Generasi Milenial dengan Pendekatan UTAUT pada Mahasiswa Perbankan Syariah UIN Mahmud Yunus Batusangkar Gampito, Gampito; Rahma, Faiza Nabila; Candra, Revi; Hasibuan, Abdul Nasser
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.13300

Abstract

The purpose of this study was to analyze the interest in using E-walet among UIN Mahmud Yunus Batusangkar students using the Unified Theory Of Acceptance Use Of Technology (UTAUT) approach. The research method used is descriptive quantitative. The study population was 357 students of the Sharia Banking study program with a sample of 78 people calculated using the slovin formula. Data collection techniques using questionnaires. The data analysis technique uses multiple linear regression. The results showed that performance expectancy, social influence, and facilitating conditions partially influenced the interest in using e-wallets for students of the Islamic Banking Study Program, UIN Mahmud Yunus Batusangkar. While effort expectancy has no effect on interest in using e-wallets.  Simultaneously performance expectancy, effort expectancy, social influence, and facilitating conditions affect the interest in using e-wallets among students. The contribution of performance expectancy, effort expectancy, social influence, and facilitating conditions variables to influence interest is 68.3%.
Teknologi Digital : Pengaruhnya terhadap Efektifitas Manajemen Sumber Daya Insani Bank Syariah di Tanah Datar Wahyuni, Elmiliyani; Asmawanti, Dri
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14819

Abstract

The purpose of this study was to determine the effect of digital technology on Human Resource Management at Islamic Banks in Batusangkar, both aspects of recruitment, performance appraisal, training and employee development. The research method uses mixed method with sequential exploratory model by combining qualitative and quantitative research methods sequentially. The first stage of the research was carried out qualitative methods and in the second stage quantitative. The results of this study indicate that digital technology has a significant influence on Islamic banking SDI management. Digital transformation not only increases efficiency and transparency, but also accelerates decision-making and improves workforce quality through technology-based training. However, for the impact of digitalization to be optimized, Islamic banking needs to adopt a decentralized strategy in SDI management and improve digital literacy for all employees. This will ensure that digital technology is not only a supporting tool, but also an integral part of a more innovative and adaptive SDI management strategy.
The Role Of Islamic Banks In Increasing The Financial Inclusion Of The People Of Panyabungan City, Mandailing Natal District Jureid, Jureid; Iska, Syukri
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15383

Abstract

Islamic banking in Indonesia has grown significantly, but its services remain unevenly distributed, especially in rural areas like Mandailing Natal Regency, where only 30% of residents access formal financial services (BPS, 2023). This study examines the role of Islamic banks in improving financial inclusion in Panyabungan City. Using a quantitative method and 100 respondents, data were collected via structured questionnaires and analyzed with PLS-SEM. Results show that financial literacy (β = 0.422; p = 0.000) and perception of Islamic banks (β = 0.493; p = 0.000) significantly affect financial inclusion, with R² = 0.647. Despite high account ownership, digital service use and financing remain low. Findings underscore the importance of strengthening financial literacy and expanding access to Islamic digital banking. Recommendations include targeted financial education and outreach strategies to enhance service utilization in underserved regions
Falah Profit of Sharia Rural Banks in West Sumatra: Impact of Funding and Financing Kurnia, Rahmat; Maharani, Nur Avivah; Helmalia, Helmalia; Putra, Gusti Dirga Alfakhri; Melzatia, Haura Hazimah
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15261

Abstract

This study aims to examine the influence of funding and financing activities—specifically Mudharabah Savings, Mudharabah Deposits, and buying and selling transactions on the Falah Profit of Sharia Rural Banks (BPRS) in West Sumatra over the period from 2015 to 2023. Employing a descriptive quantitative methodology with panel data regression analysis, secondary data were collected from the official financial reports published on the OJK website, involving a purposive sample of 38 banks. The analysis reveals that both Mudharabah Savings and Mudharabah Deposits have a positive and statistically significant influence on Falah Profit, with regression coefficients indicating that an increase in these funding sources is associated with higher profitability. Conversely, buying and selling activities exhibit a positive but statistically insignificant effect on Falah Profit, suggesting a less direct impact in this context. The combined impact of these variables explains approximately 82.68% of the variation in Falah Profit, illustrating their substantial role in shaping bank performance. These findings imply that strategic enhancement of Mudharabah-based funding mechanisms can effectively boost profitability, contributing to the stability and growth of Sharia banking institutions in the region. The study thus emphasizes the importance of Islamic financial products and funding schemes in driving sustainable bank performance aligned with Sharia principles
Pengaruh Kompetensi dan Persepsi Mahasiswa Terhadap Fresh Graduate Syndrom Untuk Bekerja di Perbankan Syariah Fitria, Nita; Lestari, Widia; Shabri, Husni; Fahlefi, Rizal
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15097

Abstract

This research aims to determine the influence of competence and perception on fresh graduate syndrome working in sharia banking for students of the Sharia Banking Study Program at UIN Mahmud Yunus Batusangkar. The type of research used is quantitative research with data collection techniques using questionnaires. The results of this research show that the competency of sharia banking alumni influences fresh graduate syndrome working in sharia banking. Students need to develop various relevant competencies during the study period to minimize the impact of the syndrome of working in sharia banking. Competencies that new graduates must have include mastery of sharia banking knowledge, technical banking skills, financial analysis skills. Apart from increasing competence, forming a positive perception of the sharia banking industry also plays an important role in preparing students to face the world of work. Simultaneously, the competence and perception of Islamic banking alumni at the State Islamic University Mahmud Yunus Batusangkar influence the fresh graduate syndrome working in sharia banking. By combining competency development and forming positive perceptions, students will be ready to face the challenges of the world of work and can reduce the risk of fresh graduate syndrome and increase opportunities for career success in the sharia banking industry

Page 12 of 14 | Total Record : 139

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