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Husni Shabri
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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 153 Documents
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Islamic Financial Literacy and Household Financial Behavior in the Digital Era: A Conceptual Synthesis of Contemporary Literature Erizal Candra Efendi; Robi Harjoni Putra; Ruri Mustika; Wildan Hadi; Hafni Juniyanti Hsb
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16020

Abstract

This study aims to synthesize contemporary literature on Islamic financial literacy and its relationship with household financial behavior in the digital era. Employing a qualitative library research design, this study systematically reviews peer-reviewed journal articles, academic books, and institutional reports published over the last decade. Data were collected through structured searches of major academic databases and analyzed using qualitative content analysis, including thematic coding, categorization, and comparative synthesis. The findings indicate that Islamic financial literacy is a multidimensional construct encompassing cognitive understanding of Sharia-based financial principles, financial management skills, and ethical orientations. Higher literacy levels are associated with more structured household financial practices, such as disciplined budgeting, saving orientation, and cautious engagement with digital Islamic financial services. Furthermore, digital financial environments significantly influence household financial decision-making and access to information. This study proposes an integrative conceptual framework linking Islamic financial literacy dimensions with household financial behavior through cognitive, ethical, and behavioral mechanisms. The findings contribute to clarifying the role of Islamic financial literacy in digital financial contexts and provide theoretical insights for future empirical research. Practically, this study offers policy-relevant implications for designing effective financial literacy initiatives aimed at enhancing financial resilience and sustainable financial practices among Muslim households in the digital era
Implementation of Cash Waqf Linked Deposit in Islamic Banking in Indonesia: Regulations, Opportunities, Challenges, and Digital Era Prospects Farid Ahmad Marlion
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16075

Abstract

This study aims to analyze the implementation of CWLD in Islamic banking within the digital era by examining its regulatory framework, institutional challenges, and prospects in Indonesia. Using a qualitative literature-based research approach, this study reviews academic publications, regulatory documents, and institutional reports related to cash waqf, Islamic banking, and digital financial innovation. The findings indicate that although CWLD has substantial potential to promote financial inclusion and strengthen Muslim community empowerment, its development remains constrained by the absence of comprehensive technical regulations, institutional fragmentation, low public literacy on cash waqf, limited digital infrastructure, and inadequate managerial capacity of nazhir institutions. Nevertheless, the digital era presents significant opportunities for CWLD development through the integration of technological platforms such as blockchain, Islamic crowdfunding, and digital banking systems. This study contributes to the literature on Islamic social finance by providing a structured analysis of CWLD as an innovative instrument and offers practical insights for policymakers, Islamic banks, and waqf institutions to strengthen regulatory support, enhance public literacy, and foster institutional collaboration to position CWLD as a key pillar of an inclusive and sustainable Islamic financial system
The Aftermath of Covid-19 Pandemic on the Operation of SMEs in Yobe State, Nigeria: The Role of Islamic Finance Models Muhammad Duku
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16298

Abstract

This study examines the post-COVID-19 operational challenges faced by Small and Medium Enterprises (SMEs) in Yobe State, Nigeria, and explores Islamic finance models as potential mechanisms for recovery and sustainability. Employing a qualitative descriptive approach, primary data were collected through structured field observations of selected SME operators across key economic sectors. The findings reveal that limited access to capital, shortage of skilled personnel, multiple taxation, inadequate raw materials, and heightened insecurity remain the major constraints hindering SME operations in the post-pandemic period. The study further argues that Islamic finance instruments—such as Musharakah, Mudarabah, Murabahah, Ijarah, Salam, and Istisna‘—offer viable, ethical, and risk-sharing financing alternatives capable of addressing these challenges. The paper contributes to the growing literature on Islamic social and commercial finance by providing contextual evidence from a conflict-affected and economically disadvantaged region. Policy recommendations emphasize the need for increased Islamic finance awareness, regulatory support, and the integration of Islamic banking products into SME development strategies in Nigeria
Innovations in Sharia Insurance Products and Business Models: A Comparative Study of Crowd Takaful, Sharing Tabarru’ and Peer-to-Peer Insurance Desmadi Saharuddin; Rizal Fahlefi; Alimin; Husni Shabri
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16455

Abstract

This study aimed to examining innovations in Sharia-compliant insurance products and business models, specifically crowd takaful, sharing tabarru, and peer-to-peer insurance. The methodology applied follows the PRISMA framework, involving a comprehensive search in the Scopus database, strict selection criteria, and thematic qualitative and quantitative analysis to ensure reliability and relevance of the reviewed literature. Key findings reveal that crowd takaful and peer-to-peer insurance models significantly enhance financial inclusion and uphold ethical insurance principles aligned with Sharia values, with fintech technologies driving operational efficiency and transparency. The discussion highlights how integrating Islamic values into technological innovations deepens understanding and adaptation of these insurance models while identifying regulatory and moral hazard challenges that hinder broader development. The conclusion emphasizes this study’s contribution in linking Islamic economic theory with financial technology advances and its practical implications for regulatory innovation and financial literacy promotion. Future research is recommended to focus on cross-cultural comparative studies, development of hybrid theoretical frameworks combining Islamic economics with innovation diffusion and behavioral finance, and advanced bibliometric analyses to map academic progress and policy collaboration. This study aims to boost academic visibility with SEO-friendly keywords relevant to Sharia insurance and modern financial technology.
Pengaruh Hard Skill dan Soft Skill Terhadap Kesiapan Kerja Alumni Perbankan Syariah Pada Bank Syariah Melalui Motivasi Sebagai Variabel Intervening Ilham Mahdi; Rizal; Nofrivul
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16486

Abstract

This study aims to examine the effects of hard skills and soft skills on the work readiness of Islamic banking alumni, both directly and indirectly through work motivation as an intervening variable. A quantitative research design was employed using a census approach involving 196 alumni of the Islamic Banking Study Program at UIN Mahmud Yunus Batusangkar who had entered the workforce. Data were collected using structured questionnaires and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4.0.The results indicate that hard skills and soft skills significantly influence work motivation and work readiness. Soft skills demonstrate a stronger effect on work motivation, while motivation plays a crucial mediating role in strengthening the relationship between both types of skills and work readiness. Furthermore, work motivation significantly enhances graduates’ preparedness to meet professional demands, particularly in the Islamic banking sector. These findings contribute theoretically by reinforcing the role of motivation as a key mediating variable linking technical and non-technical competencies with work readiness. Practically, this study provides important implications for higher education institutions and the Islamic banking industry in designing curricula and development programs that integrate the enhancement of hard skills, soft skills, and motivational aspects to improve graduate employability and career alignment with the Islamic financial sector
Praktik Green Financing pada Bank Pembiayaan Rakyat Syariah: Pendekatan Sustainability Accounting Standards Board Elfadhli Elfadhli; Gampito Gampito; Revi Candra; Sri Madona Saleh; Lili Ramahdani
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16571

Abstract

This study examines the implementation of Green Financing in Islamic Rural Bank in West Sumatra using the Sustainable Accounting Standards Board (SASB) Index as an analytical framework. A descriptive qualitative approach was employed, utilizing interviews and surveys to evaluate Environmental, Social, and Governance (ESG) dimensions. The findings indicate that environmental initiatives have been initiated; however, their implementation remains informal and lacks systematic documentation. In contrast, the social dimension demonstrates a strong commitment to employee welfare and community empowerment, reflecting the social objectives inherent in Sharia banking principles. Meanwhile, the governance dimension shows that environmental risk considerations have been partially integrated into standard operating procedures (SOP), aligned with Sharia compliance requirements. Overall, the results suggest that while Islamic Rural Bank practices are generally consistent with basic SASB standards, the absence of comprehensive written policies and standardized reporting mechanisms limits the effectiveness and sustainability of green financing implementation. This study highlights the need for formalized governance structures and documented environmental policies to strengthen sustainable finance practices within Islamic rural banking institutions
Behavioral Intention Mahasiswa dalam Menggunakan QRIS Sebagai Alat Pembayaran Digital Dengan Pendekatan UTAUT 2 Rotzami Rotzami; Elfadhli Elfadhli; Izzati Tiara Ramadhani; Fatimah Setia Wardhani; Revi Candra
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.16659

Abstract

The research aims to determine the behavioral intention of students in using QRIS as a digital payment tool with the UTAUT 2 approach. The type of research used is field research with quantitative methods. The data collection technique used is a questionnaire by distributing questionnaires via google form to respondents. Sampling was 82 respondents who used QRIS from 119 students who became the population determined by purposive sampling technique. The results showed that partially, hedonic motivation and habit affect students' behavioral intention in using QRIS, while performance expectancy, effort expectancy, social influence, facilitating conditions, and price value have no effect on students' behavioral intention in using QRIS. Simultaneously, the variables of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit affect the behavioral intention of students in using QRIS as a digital payment tool with an influence level of 78.9%
The Role Of Bank Syariah Indonesia In Enhancing Cash Waqf Literacy Among The Malay Community Of Bengkalis Nur Azlina
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.16905

Abstract

This study investigates the strategic role of Bank Syariah Indonesia (BSI) KCP Bengkalis in enhancing cash waqf literacy within the culturally dense Malay community of Bengkalis Regency. Using a qualitative approach with a descriptive field research design, data were gathered through semi-structured interviews with key stakeholders comprising BSI management, the Ministry of Religious Affairs (Kemenag), BAZNAS, and the Indonesian Waqf Board (BWI) supplemented by questionnaires distributed to local waqf managers (nazhir), and analyzed using the Miles and Huberman interactive model. The findings reveal that BSI KCP Bengkalis exerts a tangible empirical impact through three interconnected dimensions: active financial education by implementing a culturally-adaptive financial literacy model that integrates digital socialization with traditional community gatherings; institutional networking with BWI and BAZNAS to transition public trust toward accountable, institutional nazhir management; and digital-based cash waqf services through the optimization of the e-waqf feature on mobile banking. These integrated strategies successfully mitigate deeply rooted local barriers, specifically the persistent cognitive bias of viewing waqf solely as immovable physical assets, and the community's jurisprudential skepticism regarding digital fiqh and cyber security. Analyzed through Financial Intermediation and Social Capital theories, this study concludes that digital financial inclusion in rural areas cannot rely on top-down infrastructure approaches alone, but must be symmetrically aligned with local socio-cultural capital to achieve digital accountability
Financial Technology and Sharia Economic Empowerment in Indonesia: A Qualitative Study from a Digital Economy Perspective Erizal Candra Efendi; Roni Andespa; Almizan Almizan
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.16928

Abstract

This study examines the contribution of digital Sharia fintech to Islamic economic transformation and community economic empowerment in Indonesia. Although Islamic financial literacy and inclusion have improved, access to Sharia-compliant financial services remains lower than conventional finance. This study employed a descriptive qualitative approach using in-depth interviews with 15 purposively selected participants, including four Sharia fintech stakeholders, five MSME owners, three regulators, and three platform users in Jakarta, Bandung, and Yogyakarta. Interview data were complemented by official reports and relevant academic literature and analysed thematically through data reduction, data display, and conclusion drawing. The findings indicate that participants perceived Sharia P2P lending, profit-sharing crowdfunding, and e-waqf as accessible alternatives because they provide faster application procedures, transparent transactions, and financing mechanisms consistent with Sharia principles. MSME participants reported that fintech financing supported working capital and business expansion, while platform users emphasized transparency and Sharia compliance as key sources of trust. However, limited digital literacy, uneven internet infrastructure, insufficient product socialisation, and inadequate post-financing business mentoring remain barriers, particularly in rural areas. The study concludes that digital Sharia fintech can strengthen financial inclusion and community economic empowerment when supported by digital literacy, adaptive regulation, effective business mentoring, and collaboration among government, financial institutions, fintech providers, and local communities
Integration of AI and Adaptive Microfinance in Islamic Banking for Maqashid Sharia-Based Financial Inclusion: A Conceptual Framework Misi Anggraini; Muchlis Bahar; Duhriah; Yulizain Putra
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.16967

Abstract

Background: Digital transformation and artificial intelligence (AI) are reshaping Islamic banking, creating opportunities to improve financial inclusion while adhering to Maqashid Sharia. Objective: This study develops a conceptual framework integrating AI and adaptive microfinance to promote Maqashid Sharia-based financial inclusion in Islamic banking. Methodology: A qualitative conceptual approach was employed through a comprehensive literature review and policy analysis of studies on AI, adaptive microfinance, Islamic banking, and financial inclusion. Findings: The proposed framework suggests that AI can improve financing assessment, operational efficiency, risk management, and access to financial services for underserved communities. Combined with adaptive microfinance, AI supports the achievement of Maqashid Sharia by enhancing social welfare, protecting wealth, promoting equitable economic opportunities, and reducing poverty. The analysis also identifies key challenges, including regulatory constraints, limited Sharia-compliant digital expertise, algorithmic bias, data privacy, and institutional coordination. Novel Contribution: This study proposes the AI-Based Adaptive Islamic Microfinance Framework, integrating AI, adaptive microfinance, and Maqashid Sharia into a unified conceptual model. Practical Implication: The framework offers strategic guidance for Islamic banks, regulators, and policymakers while providing a foundation for future empirical research

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