Journal of Banks and Financial Institutions
Aim Contributions in quantitative finance, mathematical finance, real estate finance, law finance, accounting, International trade, financing and investments, and related cash and credit transactions, have grown at an extremely rapid pace in recent years. The international monetary system has continued to evolve to accommodate the need for foreign-currency-denominated transactions and in the process has provided opportunities for its ongoing observation and study. Therefore, journal Bank and Financial Institutions over to who have manuscripts focused on finance, banking, financial institutions, and financial technology. Only articles with contributions will be published. Scope Banking issue Scopes related to: Banking Efficiency; Banking Regulation; Bank Solvency and Capital Structure; Bank Management (HRM Banking, Bank Marketing, Bank Operations); Bank Fund Management; Credit; Bank CSR; Financial Stability; e-Banking; Foreign Exchange Management, Investment Banking; International Banking; Islamic Banking; Bank Liquidity Management; Monetary and Fiscal Policy Decision Making; Online Banking; Banking for Retail; Banking for MSMEs. Finance issue Scopes related to: Financial Accounting and Reporting; Investment Alternatives; Asset Valuation; Behavioral Finance; Corporate Finance; Corporate Governance and Ethics; Hedging and Derivative Finance; Empirical Finance; Financial Accounting; Financial Economics; Financial Engineering; Financial Forecasting; Financial Literacy; Financial Risk Management and Analysis; Financial Technology; International Finance; Portfolio Optimization and Trading; Regulation of Financial Markets and Institutions; Rural Finance; Stochastic Models for Asset and Instrument Pricing; Systemic Risk; Taxation. Risk management issue Scopes related to: Risk management, Market risk, Financial risk, Credit risk, Operational risk, Portfolio strategy and management, Risk modelling, Liquidity risk, Stress testing, Commercial lending, Compliance and auditing, Quantitative risk, Interest rate risk, Trading risk, Treasury and finance; as well as, Risk analysts and economists, Central bankers and financial regulators, Risk consultants and service providers Financial markets issue Scopes related to: International financial markets, International securities markets, Foreign exchange markets, Eurocurrency markets, International syndications, Term structures of Eurocurrency rates, Determination of exchange rates, Information, speculation, and parity, Forward rates and swaps, International payment mechanisms, International commercial banking, International investment banking, Central bank intervention, International monetary systems.
Articles
12 Documents
<![CDATA[A Qualitative Study of MSMEs Perception and Practices towards Islamic Finance in Rural Areas ]]>
<![CDATA[Romadhani, Aoktavia Taniatul]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 2 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(2)-10
<![CDATA[Objective: This study aims to explore the perceptions and practices of micro, small, and medium enterprises (MSMEs) in rural areas regarding Islamic finance, highlighting the gap between ideal perceptions and actual practices. Research Design & Methods: A qualitative phenomenological approach was used to capture the lived experiences of MSME actors MSMEs in adopting Islamic finance. Data was collected through in-depth interviews and thematic analysis was used to identify patterns and challenges. Findings: The findings reveal significant differences between positive perceptions of Islamic finance and its practical implementation. Although most respondents expressed strong support for Sharia principles— valuing fairness, interest-free systems, and alignment with religious values — its implementation is hindered by limited access to Islamic financial institutions, complex administrative procedures, and a lack of knowledge about available Shariah-based financial products. The study also highlights the potential of Islamic fintech and government support as key drivers for overcoming these barriers. Implications & Recommendations: This study shows that improving financial literacy, simplifying administrative processes, expanding access to Islamic financial services in rural areas, and utilizing fintech innovations can significantly increase MSME participation in Islamic finance. Stronger policy support and targeted programs for rural MSMEs are recommended to strengthen the Islamic financial ecosystem. Contribution & Value Added: This study contributes to the literature by providing empirical insights into the perception-practice gap among rural SMEs in adopting Islamic finance. It highlights the interplay between religious values, structural constraints, and technological opportunities, and offers practical recommendations for policymakers, financial institutions, and technology providers to promote inclusive Islamic finance.]]>
<![CDATA[Beyond Value at Risk: A Stochastic Dominance Framework for Risk Management in Banking ]]>
<![CDATA[Osho, Gbolahan Solomon]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 2 No 1 (2026) ]]>
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DOI: 10.70764/gdpu-jbfi.2026.2(1)-2
<![CDATA[Objective: This study examines the application of stochastic dominance as a distribution-based framework for improving risk evaluation in banking beyond traditional metrics. Research Design & Methods: A quantitative analytical approach is employed using simulated and banking-style portfolio datasets. The study applies first-, second-, and third-order stochastic dominance to compare asset distributions and benchmark results against Value at Risk and Expected Shortfall. Findings: Results show no first-order dominance; however, second-order dominance consistently identifies conservative portfolios as optimal under risk aversion. Stochastic dominance reveals distributional differences not captured by conventional measures. Contributions: The study extends risk management literature by integrating nonparametric dominance techniques into banking portfolio evaluation. Novelty: This study introduces an empirical application of stochastic dominance in banking and demonstrates its superiority in capturing full distributional risk.]]>
