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INDONESIA
El Dinar
Published by Universitas Islam Negeri Maulana Malik Ibrahim Malang
ISSN : -     EISSN : 26220083     DOI : -
Core Subject : Education,
Other
Adalah jurnal berkala peer-reviewed yang diterbitkan biannually atau setahun dua kali oleh Jurusan Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang. EL DINAR merupakan sarana komunikasi yang diperuntukkan bagi para peneliti, akademisi, maupun praktisi dalam bidang keuangan dan perbankan syariah. Demi mewujudkan kontribusi bagi pengembangan ilmu keuangan dan perbankan syariah, dewan redaksi mengundang para pemerhati untuk dapat berpartisipasi dalam menyumbangkan karya ilmiah berupa jurnal-jurnal penelitian
Arjuna Subject : -
Articles 6 Documents
 1 
Search results for , issue "Vol 13, No 2 (2025): El Dinar" : 6 Documents clear
HOW ISLAMIC FINANCIAL LITERACY SHAPES CUSTOMER ATTITUDE, SUBJECTIVE NORM, AND PERCEIVED BEHAVIORAL CONTROL IN USING ISLAMIC BANKS IN INDONESIA Safitri, Rini; Wuryaningsih, Wuryaningsih; Amrullah, Abdul Malik Karim; Novianti, Khusnul Rofida
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.32413

Abstract

This study aims to examine the influence of Islamic financial literacy, attitude, subjective norms, and perceived behavioral control on the intention to use Islamic banks in Indonesia. Specifically, this study investigates the indirect effect of Islamic financial literacy on the intention to use Islamic banks through attitude, subjective norms, and perceived behavioral control. Data were obtained through a survey of 572 students from Islamic Higher Education Institutions in Indonesia and processed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings reveal that Islamic financial literacy significantly influences attitudes, subjective norms, and perceived behavioral control regarding Islamic banking services. Subsequently, these factors (attitude, subjective norm, and perceived behavioral control) were proven to be strong predictors of an individual's intention to use Islamic banks. These findings validate the Theory of Planned Behavior (TPB) in Islamic banking, showing that Islamic financial literacy is a key factor influencing TPB. This study highlights the importance of financial literacy education in increasing the adoption of Islamic banking services. By promoting Islamic financial literacy within university programs, future graduates will have a deeper understanding of Islamic banking principles (such as the prohibition of riba, risk-sharing, and asset-backed financing). This awareness will enhance the likelihood of choosing Islamic banking services and advocating them within society.
THE INTENTION TO INVEST IN SUKUK: DO VALUE PROPOSITIONS MATTER? Pepadri, Isman; Hidayah, Nur
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.32179

Abstract

This study aims to analyze the level of importance-performance and influence of value proposition indicators on investment decisions in Retail Sukuk by integrating two analytical frameworks. The first is the Importance-Performance Analysis assessed through descriptive statistics, and the second is the Theory of Planned Behavior, tested using inferential statistical analysis. Based on responses from 152 deposit holders residing in Jakarta, the findings revealed that four indicators shaping behavioral attitudes significantly influenced investment intentions. Among these, state guarantees and competitive coupon rates must be maintained as core value propositions; support for government programs shows potential to become a key value; and the fixed coupon rate does not require emphasis. Additionally, the four indicators influencing perceived behavioral control also had a positive effect on intention. Affordable investment thresholds and ease of access to purchasing must be sustained as key strengths; short tenor does not necessitate enhancement; and information regarding issuance should become a primary area for improvement. Practically, these findings suggest that issuers must improve their communication strategies and explore opportunities to offer more competitive coupon rates for Retail Sukuk. Theoretically, the combination framework proves to be a relevant and effective approach, yielding valuable empirical insights for researchers.
PERSISTENCE OF ISLAMIC BANKS’ EFFICIENCY AMID ECONOMIC SHOCKS Siregar, Yulfani; Trapsila, Aji Purba
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.33391

Abstract

The aim of this work is the evaluation of the technical efficiencies of Islamic banking institutions in Indonesia and the determinants of efficiencies during the specific economic shock period of 2020 to 2023. Data from the years 2017 to 2023 are utilized in the study. Using the quantitative approach, Data Envelopment Analysis (DEA), the Islamic banks were evaluated to determine their technical efficiencies. The Islamic banks’ efficiencies were evaluated using Tobit Regression. The outcome indicated that sharia compliant banking in Indonesia is not technically efficient and that there is variation across the years in the efficiencies. As for the explanation for the efficiencies, the investigation indicated that BOPO negatively impacted efficiencies while FDR positively impacted efficiencies. In addition, the results indicated that inflation did not have as great of an effect. The efficiencies were impacted negatively by the pandemic as the economic shock of the COVID-19 virus created a greater economic shock. In this case, the relationship for the economic shock of the Russia-Ukraine conflict was not demonstrated. The Islamic banks ' efficiency during the economic shocks provide academic contributions and current literature.
FAITH AND FINANCE: UNDERSTANDING MUSLIM MILLENNIALS’ SHIFT TOWARD RIBA-FREE INVESTMENTS Hidayatullah, Syarif; Suherlan, Ade; Khalid, Radhwan Hazim
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.35040

Abstract

This study aims to present the main factors that affect riba-free Investment Preference with an emphasis on religiosity, financial literacy, and factors derived from Planned Behavior Theory (TPB). The cross-sectoral quantitative survey methodology used targets the Muslim millennial generation domiciled in DKI Jakarta. This study used a sample of 385 respondents. The key variables measured include investment preferences in sharia and conventional products. Data analysis involves descriptive statistics, validity and reliability tests, comparative tests, and Covariance-Based Structural Equation Models (CB-SEM). The results show a statistically significant preference among the millennial generation of Jakarta Muslims towards riba-free investment products compared to conventional alternatives. Religiosity emerged as the strongest positive predictor of riba-free investment preferences. Attitudes towards sharia investment and perceptions of behavior control also have a significant positive effect. Financial literacy showed a positive but relatively weak influence, while subjective norms and risk tolerance did not significantly predict preference in the final model. The overall model explains most of the variation in preferences. This research contributes to the understanding of investment behavior among Millennial Muslims in accordance with Islamic principles.
DETERMINANTS SUSTAINABILITY REPORTING QUALITY ISLAMIC BANKING IN GCC AND SOUTHEAST ASIA Sisdianto, Ersi; Yuliansyah, Yuliansyah; Razimi, Mohd Syahril Ahmad; Tubarad, Chara Pratami Tidespania
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.36415

Abstract

This study aims to identify the factors influencing the quality of sustainability reporting in Islamic banks, with a specific focus on dimensions of Islamic corporate governance and sustainability finance. Utilizing panel data from 15 Islamic banks across six countries Bahrain, Qatar, Indonesia, Malaysia, Saudi Arabia, and Oman over seven years (2017–2023), the research employs the Generalized Method of Moments (GMM) estimation to account for dynamic panel bias and potential endogeneity. The findings indicate that Islamic Corporate Sustainability Reports have a significant positive influence on the quality of sustainability disclosure. In contrast, the size of the Board of Commissioners, the Sharia Supervisor Board, the Audit Committee, and the volume of Sustainability Finance did not exhibit statistically significant effects. The model's validity and consistency were confirmed through robust diagnostic tests. The primary limitation lies in the geographical concentration of the sample, which may affect the generalizability of the results. This study contributes to the emerging literature on sustainable finance in Islamic banking by providing empirical evidence on the critical role of structured sustainability reporting, offering practical implications for bank regulators and practitioners to enhance transparency and governance mechanisms for improved stakeholder accountability.
EXPLORING THE IMPACT OF SHARIA SUPERVISORY BOARD CHARACTERISTICS ON ENVIRONMENTAL DISCLOSURE: A GLOBAL STUDY OF ISLAMIC BANKS Abdurrahman, Zahron; Wicaksono, Aditya Pandu
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.36435

Abstract

This research assesses the extent to which Sharia Supervisory Board (SSB) traits impact the worldwide phenomenon of environmental disclosures of Islamic Banks. We used Multivariate Regression Analysis to assess the environmental disclosures of 33 Islamic Banks in the world using the GRI 300 standards obtained from the Refinitiv Database, while the SSB traits of Shariah Qualification, Financial Expertise, Gender and Nationality Diversity, Board Size, and the Annual Reports of the Banks were manually collected as SSB were visions of Mufti Shariah. The research employed Panel Data Regression using the Fixed Effects Estimator to control for unobserved heterogeneity around the Banks and to ensure the reliability of the findings. The results showed that Gender and National Diversity had a positive effect on Mukahara Shariah, meaning that more Diversity in Religion and Nationality of the Board Members led to more disclosure. In contrast, Shariah Qualification had a negative effect, while financial expertise and Board Size had no effect.  The research results demonstrate the importance of SSB to advance the Disclosure of Sustainability Reporting Construction to the elders, that SSBs must give More Priority to diversity over traditional religious qualifications. The research results have effectively empowered the Regulators of Islamic Financial Institutions to complement the SSBs to include the Responsible Sharia Governance of Islamic Banking Systems for Compliance with the Global Sustainability Standards.

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