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.
Articles
69 Documents
<![CDATA[On Digital Rupiah And Islamic Economy: A Comparative Analysis And Ethics ]]>
<![CDATA[Qusthan Firdaus]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 4, No 1 (2024): January - June 2024 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v4i1.10775
<![CDATA[This study aims to explore the meaning of and to conduct an ethical assessment towards Digital Rupiah to Islamic economy by exploring the thoughts of Baqir Sadr and Henry Sidgwick. This research is about an ethics of Digital Rupiah, and it would like to investigate two problems. First, do these retail and wholesale versions of Central Bank Digital Currency (CBDC) or the so called Digital Rupiah cause any harm to some principles in Islamic economy especially the one in Sadr’s thought? Second, is utilitarianism, in the sense of Henry Sidgwick’s thought in ethics, of any help to justify the development and innovation concerning Digital Rupiah in Islamic economy and Islamic economics? This method of this research is a comparative analysis for which case seeking similarities and differences among some CBDC. The result is any potential harm of Digital Rupiah to Islamic economy by which case it relies on the way we understand interest, usury and underlying assets. Sidgwick’s account of rational benevolence and universal happiness could be a good framework for justifying Digital Rupiah in Islamic economy ]]>
<![CDATA[Pengaruh Literasi Keuangan, Risk Tolerance, Dan Experienced Regret Terhadap Pemilihan Jenis Investasi Keuangan Syariah Pada Generasi Millenial ]]>
<![CDATA[Elmiliyani Wahyuni]]>;
<![CDATA[Fitri Yenti]]>;
<![CDATA[Rizal rizal]]>;
<![CDATA[Asrul Gustomi]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 4, No 1 (2024): January - June 2024 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v4i1.10911
<![CDATA[The purpose of this study was to examine the effect of financial literacy, risk tolerance and experienced regret on the selection of types of Islamic financial investments in the millennial generation in Indonesia. This study used purposive sampling and convenience sampling there were 8,483,213 respondents and sampling using the Slovin formula with an error rate of 10% which obtained a sample of 100 respondents. The analysis technique uses multiple lieniar regression. The results showed that financial literacy affects the selection of Islamic financial investment types, while Risk Tolerance has no effect on the selection of Islamic financial investment types, and experienced regret has a positive and significant effect on the selection of Islamic investment types, and simultaneously the influence of financial literacy, Risk Tolerance and experienced regret affects the selection of Islamic investment types.. ]]>
<![CDATA[Indonesian Bank Profitability: Sharia VS Conventional Bank ]]>
<![CDATA[Rosita Hidayati Sucipto]]>;
<![CDATA[Rosana Eri Puspita]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 4, No 1 (2024): January - June 2024 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v4i1.10602
<![CDATA[This study aims to analyze the differences in profitability of Islamic and conventional banks for the 2018-2022. The data collection method is by documentation on the annual financial statements of Islamic and conventional through the official website of each bank and taking the financial ratios. The sampling technique is purposive, so samples of 10 Islamic banks and 10 conventional banks. The finding that capital adequacy positively and significantly affects profitability in conventional banks, while it does not affect Islamic banks. The level of bank efficiency has a positive and significant effect on conventional and Islamic banks. Liquidity has a positive and significant effect on the profitability of conventional banks and does not have a significant effect on Islamic banks. Based on the results of the comparison of the mean of conventional banks and Islamic banks, it shows that the level of efficiency and liquidity of conventional banks is better than Islamic banks. Meanwhile, capital adequacy in Islamic banks is better than in conventional banks]]>
<![CDATA[Pengaruh Kondisi Keuangan Size Company Dan Opini Audit Tahun Sebelumnya Terhadap Penerimaan Opini Audit Going Concern ]]>
<![CDATA[Windy Sabrina]]>;
<![CDATA[Nur Huri Mustofa]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 4, No 1 (2024): January - June 2024 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v4i1.10196
<![CDATA[This study aims to examine the effect of financial condition, company size, and audit opinion of the previous year on the acceptance of going concern opinions. The sample used in this study is companies registered in JII for the 2018-2022 period. Sampling using purposive sampling techniques and obtained 29 companies with an observation period of 5 years so that the total sample is 145 data. The results showed that the financial condition, company size, and audit opinion of the previous year simultaneously affect the acceptance of the going concern audit opinion. The financial condition and audit opinion of the previous year have a partial effect on the receipt of the going concern audit opinion. While the size of the company does not have a significant effect on the acceptance of going concern audit opinions]]>
<![CDATA[Faktor Yang Mempengaruhi Loyalitas Nasabah Pada BTN Syariah KC Solo Dengan Kepuasan Sebagai Variabel Intervening ]]>
<![CDATA[Fahrur Rozi]]>;
<![CDATA[Ahmad Samingan]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 4, No 1 (2024): January - June 2024 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v4i1.10177
<![CDATA[The study aims to analyze the factors that influence customer loyalty with satisfaction as a mediating variable. This research method uses quantitative methods with a sample size of 100 respondents. The data used in this research is primary data obtained from filling out questionnaires by respondents. The results of this study indicate that communication has no effect on customer loyalty, complain handling has no effect on customer loyalty, service quality has no effect on customer loyalty, customer satisfaction has a positive and significant effect on customer loyalty, communication has a positive and significant effect on customer satisfaction, complain handling has a positive and significant effect on customer satisfaction, service quality has a positive and significant effect on customer satisfaction, satisfaction can mediate communication to customer loyalty, satisfaction can mediate complain handling to customer loyalty, satisfaction can mediate service quality to customer loyalty, satisfaction can mediate service quality to customer loyalty ]]>
<![CDATA[Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat ]]>
<![CDATA[Nur Azlina]]>;
<![CDATA[Husni Shabri]]>;
<![CDATA[Ibnu Qizam]]>
<![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.]]>
<![CDATA[Determinant Factors Of Profitability Of Islamic Banks In 2017-2021 With Capital Adequacy Ratio As a Variable Intervening ]]>
<![CDATA[Eka Wita Sari]]>;
<![CDATA[Ahmad Irvani]]>;
<![CDATA[Reka Meilani]]>;
<![CDATA[Hendra Cipta]]>
<![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 Keputusan Nasabah Menabung di BTN Syariah KC Solo dengan Minat Sebagai Variabel Intervening ]]>
<![CDATA[Ajeng Regita Cahyani]]>;
<![CDATA[Agung Guritno]]>
<![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[Peran BMT Al Makmur Dalam Mewujudkan Ketahanan Ekonomi Keluarga Miskin ]]>
<![CDATA[Suhatri Mariko]]>
<![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[Analisis Pengaruh Customer Intimacy, Ambient Conditional Dan Interactional Justice Terhadap Kepuasan Serta Dampaknya Pada Loyalitas Nasabah ]]>
<![CDATA[Ika Setiansye]]>;
<![CDATA[Agung Guritno]]>
<![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.]]>
