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Contact Name
Ajeng Pipit Fitriani
Contact Email
falahiya@iainponorogo.ac.id
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085730471755
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falahiya@iainponorogo.ac.id
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Faculty of Economics and Islamic Business IAIN Ponorogo Campus II, Jenangan, Ponorogo, East Java, Indonesia 63492
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Kab. ponorogo,
Jawa timur
INDONESIA
Falahiya
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 29649811     EISSN : 29648130     DOI : https://doi.org/10.21154/falahiya
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Falahiya: Research Journal of Islamic Banking and Finance is a journal published by the Islamic Banking Department of the Faculty of Islamic Economics and Business, IAIN Ponorogo. The scope of the journal is scientific papers by students or collaborations between students and lecturers in the field of Islamic finance and banking. It is published twice a year in the months of June and December. The publication process is carried out through a peer-review process in accordance with scientific publication standards. Incoming manuscripts are selected by the editorial board and evaluated by expert partners.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 12 Documents
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Search results for , issue "vol. 5 no. 1 (2026)" : 12 Documents clear
The Impact of Mudharabah, Musyarakah, and Istishna Financing on the Profitability of Bank Muamalat Indonesia: An Empirical Analysis of Quarterly Data (2016–2023) Puput Ratna Sari; Khoirun Nisak
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/fbcma124

Abstract

Introduction: This study examined the effects of mudharabah, musyarakah, and istishna financing on the profitability of Bank Muamalat Indonesia during the 2016–2023 period. The study was motivated by fluctuations in the bank's profitability and the need to better understand how different Islamic financing contracts contribute to financial performance. Research Methods: A quantitative approach with a causal associative research design was employed. Secondary data were collected from the quarterly financial statements of Bank Muamalat Indonesia, covering 32 observations from 2016 to 2023. The data were analyzed using multiple linear regression with EViews 12 after satisfying the classical assumption tests. Profitability was measured using Return on Assets (ROA), while mudharabah, musyarakah, and istishna financing served as the independent variables. Results: The results indicate that mudharabah financing had no significant effect on profitability. In contrast, musyarakah financing exerted a positive and statistically significant effect on profitability, whereas istishna financing had a significant negative effect. Simultaneously, the three financing contracts significantly influenced profitability, suggesting that the composition of Islamic financing portfolios plays an important role in determining the financial performance of Islamic banks. Conclusion: Unlike most previous studies that investigated multiple Islamic banks or focused on a limited number of financing contracts, this study simultaneously examined the effects of mudharabah, musyarakah, and istishna financing within a single pioneer Islamic bank in Indonesia over an observation period that captured the pre-pandemic, pandemic, and post-pandemic economic conditions. The findings provide empirical evidence to support more effective financing portfolio management for improving the profitability and sustainability of Islamic banks.
Green and Islamic Human Resource Management and Their Impact on Sustainability Performance: Evidence from Islamic Financial Institutions in Indonesia Anis Nur Laili; Irma Yuliani; Izra Berakon
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v5i1.5799

Abstract

Introduction: This study aims to test and analyze the Integration of Green Human Resource Management (GHRM) and Islamic Human Resource Management (IHRM) in Supporting Sustainable Company Performance at Islamic Financial Institutions in Ponorogo, Indonesia. Research Methods: Data were collected by distributing questionnaires to a sample of 75 employees of Islamic Financial Institutions in Ponorogo, Indonesia. This study used Structural Equation Modeling – Partial Least Squares (SEM PLS) techniques to test and analyze data using SmartPLS 3. Results: The results indicate that there is a positive and significant influence between Green Human Resource Management (GHRM), Islamic Human Resource Management (IHRM), Top Management Support, and Green Motivation on Sustainability Performance in Islamic Financial Institutions in Ponorogo, Indonesia. Conclusion: This study provides practical insights for regulators and Islamic financial institutions to develop policies and strategies that integrate green and Islamic human resource management (HRM) practices. Recommendations include strengthening regulations on green finance, implementing sustainability reporting, and integrating Islamic and environmental values into HRM processes such as recruitment, training, and development.
Digital Culture and Value Internalization in Islamic Banking: Understanding Customer Behavior in the Digital Era Suad Fikriawan
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/fgffxn89

Abstract

Introduction: The rapid development of digital technology has transformed the way customers interact with banking services, including within the Islamic banking sector. While previous studies have predominantly focused on technological determinants of digital banking adoption, limited attention has been given to the integration of Islamic value internalization and digital culture in explaining customer behavior. This study aims to examine the relationship between digital culture and the internalization of Islamic values in shaping Islamic banking customer behavior in the digital era. Research Methods: This research employs a qualitative approach based on a literature review of relevant scientific articles. The analysis integrates the Unified Theory of Acceptance and Use of Technology (UTAUT2) framework with key Islamic value dimensions, including trust, Sharia compliance, transparency, and fairness. Through thematic analysis, the study develops an integrative conceptual framework that explains the interaction between technological and value-based factors in influencing customer behavior. Conclusion: The findings indicate that the adoption of digital banking services is influenced not only by technological factors such as perceived usefulness, ease of use, and service quality, but also by the internalization of Islamic values that shape customer trust, satisfaction, and loyalty. Digital culture serves as a contextual force that accelerates behavioral change and reinforce value based decision making. The study proposes the concept of digital value hybrid behavior, reflecting the integration of technological rationality and normative rationality.
Implementation of Green Banking at BSI in Realizing Sustainable Development Goals (SDGs) Nabila Achmad; Muhtadin Amri
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/t1m0hw85

Abstract

Introduction: This study aims to analyze the extent to which BSI has implemented green banking indicators in its operational activities, and what are the challenges and opportunities faced by BSI during the implementation of green banking. Research Methods: The research method used is a qualitative approach with a document study research type. The data used are sourced from BSI's sustainability report and other sources such as books, journals, scientific articles, modules, and websites. Results: BSI has implemented green banking in accordance with the green banking indicators, namely carbon emissions, green building, green reward, reuse/recycle/refurbish, paperless, and green investment. In addition, BSI also implements green banking in accordance with the Sustainable Development Goals (SDGs), and maqashid sharia. Conclusion: BSI not only implements green banking technically, but also implements the values of maqashid sharia in maintaining environmental sustainability as part of the mission of sharia banking.
Digital Innovation Through Sharialearn to Enhance Students’s Literacy in Islamic Banking Arthur Vogal Pramudya; Verbena Ayuningsih Purbasari
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/89j2jd29

Abstract

Introduction: This study aims to develop the ShariaLearn educational application and analyze its effectiveness in improving students’ Islamic banking literacy. Research Methods: This study employed the Research and Development (R&D) method using the ADDIE model (Analysis, Design, Development, Implementation, and Evaluation). Data were collected through expert validation as well as pre-test and post-test results from students of MAN 1 Ngawi, which were then analyzed using a paired sample t-test. Results: The findings indicate that ShariaLearn was successfully developed by providing comprehensive materials on the principles, contracts, and products of Islamic banking. Empirical findings confirmed a significant difference between pre-test and post-test scores, indicating that the use of interactive digital media can overcome students’ low contextual understanding. Conclusion: The ShariaLearn application is effective as an independent learning medium. Its implication is that the integration of technology into school curricula can accelerate the improvement of Islamic financial literacy among the younger generation.
The Influence of Security and Convenience on Byond By BSI User Loyalty with Satisfaction as a Mediating Variable Lailatul Masrifah; Nurma Fitrianna
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/a5vm7524

Abstract

Introduction: This study examines the effects of security and ease of use on user loyalty toward the BYOND by BSI application, with customer satisfaction as a mediating variable. The study aims to analyze both the direct and indirect effects of security and ease of use on user loyalty. Research Methods: A quantitative approach was employed involving 100 active BYOND by BSI users at BSI KCP Ponorogo. Data were collected through questionnaires using purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results: The results show that security, ease of use, and customer satisfaction have positive and significant effects on user loyalty. Security and ease of use also positively and significantly influence customer satisfaction. Furthermore, customer satisfaction significantly mediates the effects of security and ease of use on user loyalty. Conclusion: Security and ease of use are important factors in enhancing user loyalty, both directly and through customer satisfaction. These findings suggest that improving system security and application usability can strengthen customer satisfaction and foster long-term loyalty in digital banking services.
The Role of Internship in Shaping Career Self-Efficacy and Career Interest in Islamic Banking Dewi Rahmawati; Yulia Anggraini; Syaiful Ma’ruf
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/r3dq2a46

Abstract

Introduction: The rapid growth of the Islamic banking industry in Indonesia has increased the demand for competent and career-ready human resources. However, job mismatch remains a significant challenge, as data from the National Committee for Islamic Economics and Finance (KNEKS) show that around 90% of workers in the industry do not come from Islamic economics or banking backgrounds. While previous studies have widely examined the influence of internships on work readiness and job interest, limited attention has been given to how internship experiences shape students’ career efficacy in the Islamic banking sector. This study aims to explore the role of student internship activities in enhancing career efficacy and shaping interest in working in the Islamic banking industry. Research Methods: This study employed a descriptive qualitative approach with field research methods. Data were collected through in-depth interviews, observations, and documentation involving Islamic Banking students at UIN Kiai Ageng Muhammad Besari Ponorogo who had completed internship programs in Islamic banking institutions. Results: The findings reveal that internships provide direct exposure to both internal and external banking operations, enabling students to develop practical skills and professional understanding. The main factors contributing to the development of career efficacy include mastery experiences, the presence of professional role models, verbal persuasion from mentors, and emotional management during workplace challenges. The study also found that internship experiences not only strengthen students’ interest in pursuing careers in Islamic banking but also help clarify career preferences when students perceive a mismatch with the industry. Conclusion: Internship experiences play an important role in shaping students’ career efficacy and career interests in the Islamic banking industry. This study contributes to the literature by highlighting internships not only as a medium for career efficacy development but also as a process of career clarification, helping students make more informed career decisions.
Effectiveness of Marketing Public Relations Strategy on the Image of Funding Products at Bank Muamalat KCP Ponorogo Imelda Sri Agustin; Mohammad Ridwan
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/gkmzz306

Abstract

Introduction: This study analyzes the effectiveness of the Marketing Public Relations (MPR) strategy in shaping the image of funding products at Bank Muamalat KCP Ponorogo. The study was motivated by the decline in the number of funding customers in 2025 despite the implementation of various Marketing Public Relations activities. Research Methods: This research employed a qualitative descriptive approach. Data were collected through interviews, observations, and documentation involving the Sub-Branch Manager, Funding Relationship Manager, Customer Service staff, and funding product customers of Bank Muamalat KCP Ponorogo. Data were analyzed through data reduction, data presentation, and conclusion drawing, while data validity was ensured through triangulation. Results: The findings indicate that Bank Muamalat KCP Ponorogo has implemented Marketing Public Relations through seven main tools proposed by Kotler, namely publications, events, sponsorships, news, speeches, public service activities, and identity media. These activities have contributed positively to the image of funding products by increasing customer understanding, creating favorable perceptions, and highlighting the uniqueness of Islamic banking products. However, based on the evaluation model of Cutlip, Center, and Broom, the implementation of Marketing Public Relations has not been fully effective, particularly in encouraging sustainable customer behavior. Conclusion: Marketing Public Relations has succeeded in creating a positive image of funding products but has not been able to consistently maintain customer engagement and long-term usage. Therefore, additional strategies are needed to strengthen customer loyalty and sustain funding product utilization.
The Effect OF CAR, NPF, and BOPO on ROA in Islamic Commercial Banks for the 2017-2024 Ulvia Firdayanti; Candra Febrilyantri
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/racwsc43

Abstract

Introduction: this research is motivated by the fluctuation of probability (ROA) in Islamic Commercial Banks in Indonesia, which is influenced by capital conditions, financing quality, and operational efficiency. ROA stability serves as a crucial indicator in assessing bank performance; thus, empirical analysis is required to determine the effect of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Operating Expenses to Operating Income (OEOI/BOPO). Research Methods: this study employs a quantitative of five Islamic commercial banks (BUS) during period of 2017-2024. The analysis technique used is panel data regression via Eviews9 software, involving model section stages through the Chow test and Hausman Test. Based on the test result, the Random Effect Model (REM) was selected as the best model Results and Conclusion: indicate that partially, CAR does not have a significant effect on ROA, meanwhile NPF and OEOI/BOPO has a significant negative effect on ROA. Simultaneously, CAR, NPF, and OEOI/BOPO significantly affect ROA with a coefficient of determination (R2) of 0,542, indicating that 54,2% of the variation in ROA can be explained by these three variables, while the remaining 45,8% is influenced by factor outside this research.
Determinants of Profitability at Bank Muamalat Indonesia: The Effect of Murabahah, Mudharabah, Musyarakah, and Ijarah Financing Desta Meiliya; Faruq Ahmad Futaqi
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/12atfw13

Abstract

Introduction: This study examines the effect of murabahah, mudharabah, musyarakah, and ijarah financing on the profitability of Bank Muamalat Indonesia during 2015–2024. Profitability is an important indicator in measuring the effectiveness of Islamic bank performance in managing productive assets. However, the increase in financing distribution is not always followed by an increase in profitability, creating a gap between theory and empirical facts. Research Methods: This study uses a quantitative approach with secondary data obtained from Bank Muamalat Indonesia financial reports for the 2015–2024 period. The analysis technique uses multiple linear regression with classical assumption tests, t-test, F-test, and coefficient of determination. Results: The results indicate that murabahah, mudharabah, and musyarakah financing have a positive and significant effect on profitability, while ijarah financing has a negative and significant effect on profitability. Simultaneously, all financing variables significantly affect profitability.Conclusion: Financing management has an important role in improving Islamic bank profitability. Therefore, Islamic banks need to optimize financing quality and operational efficiency to improve financial performance sustainably.

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