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
139 Documents
<![CDATA[Analisis Konsep Uang Menurut Ulama Salaf Dan Khalaf Serta Implikasinya Dalam Perbankan Syariah ]]>
<![CDATA[Rizal Fahlefi]]>;
<![CDATA[Alimin Alimin]]>;
<![CDATA[Rivian Anda Sari]]>;
<![CDATA[Widi Nopiardo]]>
<![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[Efisiensi Bank Umum Syariah Pada Masa Pemulihan Ekonomi Pasca Covid-19 ]]>
<![CDATA[Lidyana Arifah]]>
<![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[Pengetahuan, Fitur Produk Dan Kebutuhan Produk Terhadap Keinginan Mengunakan Jasa Layanan Bank Syariah di Pondok Pesantren ]]>
<![CDATA[Nasfi Nasfi]]>;
<![CDATA[Okfi Resti]]>;
<![CDATA[Asnah Asnah]]>;
<![CDATA[Eka Febrianti]]>;
<![CDATA[Suhatman Suhatman]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i1.8296
<![CDATA[Sharia banking as a national asset grows 9.22% in 2020 in Muslim-majority countries, the aim of this research is to find out the effect of knowledge, product features and the need for the desire to use sharia banking financing and funding products in the city of Padang Panjang, which is predominantly a Muslim community. This type of descriptive quantitative research using a questionnaire technique, the population of Islamic boarding school teachers is 211 people and the research sample is 138 people, multiple linear analysis techniques. Analysis with validity, reliability and multiple linear regression analysis techniques. Research results individually have no significant effect on making prospective customers use Islamic bank services, but prospective customers want to use Islamic banking services because there is a need for bank products]]>
<![CDATA[Analisis Akuntabilitas dan Pengelolaan Keuangan Masjid Melalui Pendekatan Fenomenologi Studi Komparatif ]]>
<![CDATA[Mardianton Mardianton]]>;
<![CDATA[Hanifa Suwita]]>;
<![CDATA[Ira Sumarni]]>;
<![CDATA[Faisal Efendi]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i1.7976
<![CDATA[This research aims to compare patterns of accountability and financial management of the Mosque through a comparative study phenomenological approach. Type of field research with a qualitative descriptive approach. The analysis technique uses comparative study phenomenology. The results of the study, Al-Mashun Grand Mosque and Medan Great Mosque have not fully implemented the accountability of their financial management, although they do not have a written SOP, but the implementation of management activities follows the laws and traditions of the previous mosque management. The Great Mosque's financial statements are audited by a public accountant every 2 months, while the Al-Mashun Grand Mosque's financial statements have never been audited, but the fairness of the report can be evaluated by Jama'ah exclusively. there is a separation of functions in the Mosque's cash expenditure which is kept in a bank account. The financial management of the Mosque has been transparent with the accessibility of the Mosque report by the Jama'ah.]]>
<![CDATA[Analisis Determinan Loyalitas Nasabah Bank Syariah Indonesia Kantor Cabang Pembantu Kendal Weleri ]]>
<![CDATA[Anggi Nadia Nurohmah]]>;
<![CDATA[Agung Guritno]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i1.7786
<![CDATA[This study aims to analyze the effect of Marketing Communication, Excellent Service and Emotional Branding on Customer Loyalty with Satisfaction as an Intervening Variable. This study uses a quantitative descriptive approach with primary data obtained through distributing questionnaires. The results showed that Marketing Communication had a positive and insignificant effect on Loyalty and Satisfaction while Excellent Service had a negative and insignificant effect on Loyalty but had a positive and insignificant effect on satisfaction. Only Emotional Branding has a direct significant positive effect on Loyalty. Satisfaction has a significant positive effect on Loyalty. Satisfaction is unable to mediate the effect of Marketing Communication and Emotional Branding on Loyalty, and Satisfaction is able to mediate the effect of Excellent Service on Loyalty.]]>
<![CDATA[Analisis Akad Wakalah Pada Transaksi Financial Technology Syariah ]]>
<![CDATA[Citra Kirana Astika Putri]]>;
<![CDATA[Jihan Anggraini]]>;
<![CDATA[Hana Rahmah Kamila]]>;
<![CDATA[Faisal Al Fadli]]>;
<![CDATA[Fadhli Suko]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i1.7963
<![CDATA[This study aims to analyze the application of the wakalah contract in the sharia fintech digital payment system in one of the sharia fintech service products in Indonesia. This type of research is a literature study with a quantitative descriptive approach. The results showed that the wakalah contract in Islamic financial technology transactions is allowed if the issuer and the parties organizing electronic money and digital financial service agents do not use an ijarah contract. This is in accordance with DSN-MUI Fatwa No. 10/DSN-MUI/IV/2000 concerning wakalah which applies rewards to wakalah contracts. Instead of renting services, the issuer represents its duties to the parties organizing electronic money including digital financial service agents. So that the results of this study can be a guideline in making and formulating policies.]]>
<![CDATA[Keputusan Mahasiswa Menggunakan Jasa Perbankan Syariah : Apakah Pengaruh Literasi Keuangan Syariah ? ]]>
<![CDATA[Elvinda Yulianti]]>;
<![CDATA[Elmiliyani Wahyuni S]]>;
<![CDATA[Suwardi Suwardi]]>;
<![CDATA[Revi Candra]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i1.8027
<![CDATA[This study aims to determine the effect of Islamic financial literacy on the decisions of students majoring in Islamic banking at the Faculty of Economics and Islamic Business IAIN Batusangkar in the use of Islamic banking services. This type of research is field research with an associative descriptive quantitative approach. The analysis technique uses simple linear regression. Data collection techniques using questionnaires from sample data as many as 85 people. The results showed that Islamic financial literacy had a positive and significant effect on the decisions of students majoring in Islamic banking in using Islamic banking services with a contribution of 58.9%. The rest is influenced by other variables not examined in this study]]>
<![CDATA[Peran Kepuasan Dalam Memediasi Pengaruh Customer Experience, Word Of Mouth Dan Kualitas Layanan Mobile Banking Terhadap Loyalitas Nasabah ]]>
<![CDATA[Vika Nur Safitri]]>;
<![CDATA[Emy Widyastuti]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i1.8133
<![CDATA[This study aims to analyze the role of satisfaction in mediating the relationship between Customer Experience (CE), Word Of Mouth (WoM) and Mobile Banking Service Quality (SQ) with Customer Loyalty. The research method uses associative descriptive quantitative by analyzing secondary data in the form of questionnaires. The population is Bank Syariah Indonesia sub-branch office Kudus customers and a sample of 100 respondents determined by purposive sampling technique. The results showed that loyalty can be influenced by CE positively but not significantly, influenced by WoM positively significant and influenced by SQ negatively insignificant. Furthermore, the satisfaction variable is influenced by CE positively but insignificantly, influenced by WoM positively significantly and influenced by SQ negatively insignificantly. In testing Z against Y, a significant relationship with a positive direction was found. Furthermore, the role of satisfaction as a mediator is only able to mediate the effect of WoM on loyalty]]>
<![CDATA[Strategi PT. BPR Balerong Bunta dalam Percepatan Konversi ke BPR Syariah ]]>
<![CDATA[Fitri Yenti]]>;
<![CDATA[Yani Rahmadanti]]>;
<![CDATA[Awaluddin Awaluddin]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v3i1.8007
<![CDATA[The research aims to find out the strategies carried out by PT BPR Balerong Bunta in the process of accelerating the conversion from conventional banks to Islamic banks. This type of research is field research with a qualitative descriptive approach. Data analysis techniques are carried out through data collection by interview, data reduction, data display and conclusion drawing. The results showed that the strategy carried out by PT. BPR Balerong Bunta in accelerating the conversion was to form a special team named the conversion team, conduct a comparative study, make a conversion business feasibility study, coordinate directly with prospective Sharia Supervisory Board and the board of commissioners, as well as conduct weekly meetings, complete the conversion requirements regulated by the Financial Services Authority, prepare core banking IT, conduct training and development of directors and employees]]>
<![CDATA[Efisiensi Perbankan Syariah Di Indonesia Dengan Stochasitic Frontier Analysis (SFA) ]]>
<![CDATA[Duwi Setiyani]]>;
<![CDATA[Lorena Dara Putri Karsono]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 4, No 2 (2024): July - Desember 2024 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v4i2.11853
<![CDATA[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]]>
