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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 154 Documents
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EXPLORING THE IMPACT OF GREEN FINANCING ON BANK STABILITY: INSIGHTS FROM INDONESIAN ISLAMIC AND CONVENTIONAL BANKS Irfany, Mohammad Iqbal; Putri, Fatimah Iskandar; Haq, Daffa Aqomal
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 2 (2024): 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.v12i2.25849

Abstract

This study examines the influence of green financing on the efficiency of Islamic and conventional banks in Indonesia between 2016 and 2022. Employing the Data Envelopment Analysis (DEA) method to compute efficiency scores and Tobit regression to evaluate the impact of green financing, the findings reveal that conventional banks outperform their Islamic counterparts in terms of efficiency. This disparity is attributed to superior risk management practices and the benefits of operational scale. Notably, green financing enhances the efficiency of both banking types, with its effects being more pronounced in smaller banks. These insights underscore the potential of green financing to advance sustainability without undermining banking efficiency. The study advocates for robust policy frameworks to incentivize green financing initiatives, particularly targeting smaller banks, to maximize their role in fostering sustainable development.
DIGITALIZATION, SERVICE QUALITY, AND RELIGIOSITY IN SHAPING ZAKAT PREFERENCES: THE MEDIATING ROLE OF TRUST Sauri, Supian; Jamalie, Zulfa; Wibowo, Fasih
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (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.v13i1.29788

Abstract

This study examines the influence of service quality, religiosity, zakat knowledge, and digitalization on the zakat payment preferences of muzakki (people who pay zakat) and investigates the mediating role of trust in shaping these preferences within the Banjar community of South Kalimantan, Indonesia. Employing a quantitative field research design, data was gathered through structured questionnaires distributed to muzakki who pay zakat through formal institutions. Using purposive sampling, 500 questionnaires were distributed to muzakki across Banjarmasin, Banjarbaru, and Banjar Regency, yielding 397 responses, of which 201 were deemed valid for analysis. The findings reveal that service quality, religiosity, and digitalization have a significant direct effect on zakat preferences, while zakat knowledge does not exhibit a direct influence. Notably, trust serves as a mediating variable, enhancing the impact of service quality, religiosity, zakat knowledge, and digitalization on muzakki's zakat preferences. These results underscore the pivotal role of trust in encouraging the use of formal zakat institutions. This study contributes to the existing literature by introducing trust as a mediating factor offering a nuanced understanding of its role in the zakat ecosystem and by highlighting the growing relevance of digitalization in influencing contemporary zakat behavior.
EXPLORING THE PARADOX OF MSME GROWTH DURING RAMADHAN Mubaroq, Afiq Chamim; Rafinda, Ascaryan; Setyorini, Christina Tri; Nasihin, Ihsan; Rahmajati, Emir Surya; Alhendi, Osama
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (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.v13i1.29185

Abstract

This study aims to examine the dual impact of Ramadan on MSMEs in Indonesia, where increased consumer demand coincides with supply chain disruptions, rising costs, and logistical challenges. The research employs a qualitative descriptive approach with text mining techniques to collect data from various trusted online media sources. The findings indicate that while Ramadan creates significant economic opportunities for MSMEs, challenges remain in meeting market demand. This study highlights the paradoxical nature of this period, underscoring the need for strategic interventions from stakeholders to help MSMEs navigate the complexities of Ramadan. The implications also extend to policymakers, who must consider tailored support to maximize benefits while mitigating the challenges faced by MSMEs during this critical period.
THE IMPACT OF SHARIA COMPLIANCE AND SERVICE QUALITY ON CUSTOMER LOYALTY: THE MEDIATING ROLE OF DIGITAL BANKING SERVICES Hana, Kharis Fadlullah; Safitri, Sefira Uzha; Sugianto, Sugianto
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (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.v13i1.32470

Abstract

This study investigates the effects of sharia compliance and service quality on customer loyalty, with a focus on the mediating role of digital banking services. A quantitative research approach was employed using Partial Least Squares Structural Equation Modeling (SEM-PLS) for data analysis. Data were collected from 206 valid respondents, Generation Z users of Bank Syariah Indonesia (BSI) Mobile, out of 300 distributed questionnaires. The findings reveal that sharia compliance does not have a direct impact on customer loyalty but exerts an indirect influence through the use of BSI Mobile services. This is supported by the dominant response indicating that BSI Mobile facilitates the distribution of zakat, infaq, and shodaqoh. However, other findings show that many respondents remain uncertain about BSI’s business activities, leading to doubts about its adherence to halal practices and avoidance of usury (riba). In terms of service quality, BSI has delivered services as promised, and digital banking has enhanced customer convenience by enabling remote interaction with the bank. The study concludes that sharia compliance, in the absence of tangible evidence, does not directly influence customer loyalty. It is recommended that Sharia-compliant banks increase public education and outreach regarding the benefits of their business operations and ensure that sharia principles are more visibly implemented through digital banking services.
PROFITABILITY DRIVERS IN INDONESIAN ISLAMIC AND CONVENTIONAL BANKS: MACROECOOMIC AND MICROECONOMIC PERSPECTIVE Himma, Nurrosyida Latifa; Atmanti, Hastarini Dwi
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (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.v13i1.32107

Abstract

This study investigates the impact of macroeconomic variables, namely inflation, gross domestic product (GDP), and the Bank Indonesia interest rate (BI-rate), alongside microeconomic indicators such as non-performing loans (NPL), loan-to-deposit ratio (LDR), non-performing financing (NPF), financing-to-deposit ratio (FDR), and operating expenses to operating income (OEOI) on the profitability of both conventional and Islamic banks in Indonesia over the period 2017–2023. Employing a purposive sampling technique, 7 Islamic banks and 7 conventional banks were selected from a population of 13 Islamic and 92 conventional banks, based on the criteria of complete financial disclosures and consistent financial performance. Panel data regression analysis reveals that, for conventional banks, inflation exerts a statistically significant negative influence on return on assets (ROA), whereas GDP, the BI-rate, and LDR exhibit significant positive effects. Conversely, NPL and OEOI negatively affect profitability. In the case of Islamic banks, inflation, NPF, and FDR demonstrate significant adverse impacts on ROA, while GDP, the BI-rate, and OEOI contribute positively. These findings emphasize the divergent financial structures and sensitivities of conventional and Islamic banks in response to macroeconomic and microeconomic dynamics. The study offers strategic insights for bank management and regulatory authorities to enhance policy frameworks, with particular emphasis on risk mitigation and digital adaptation, thereby fostering sustained profitability and competitiveness in Indonesia’s banking sector.
ENHANCING ISLAMIC SOCIAL REPORTING: THE INTERPLAY OF PROFITABILITY AND SHARIA SUPERVISORY BOARD EFFECTIVENESS Afroh, Ibna Kamilia Fiel; Hafidzi, Achmad Hasan; Yuliarti, Norita Citra; Rachmawati, Lia; Widyani, Inneke Putri; Wijayantini, Bayu
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (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.v1i1.29381

Abstract

This study aims to explore the interrelationship between profitability and the effectiveness of Sharia Supervisory Board (SSB) size in enhancing Islamic Social Reporting (ISR). The research focuses on companies listed on the Sharia Stock Index. Employing Path Analysis and the Robust Sobel Test for data analysis, the study reveals that the size of the Sharia Supervisory Board significantly impacts both ISR and profitability. Additionally, profitability plays a crucial role in influencing ISR, with the size of the SSB indirectly affecting ISR through its mediation of profitability. The findings offer valuable insights for managers of Sharia-compliant firms, highlighting key variables that influence corporate social responsibility (CSR) initiatives within these organizations. Consequently, Sharia companies can better determine the critical components for reporting. The study points out the importance for company management to devise strategies that not only focus on enhancing profitability but also ensure that such profitability is leveraged to support CSR activities. This approach fosters a synergistic relationship between financial performance and social responsibility, promoting sustainable business practices aligned with Sharia principles.
UNRAVELING THE ROLE OF EXCHANGE RATES: BRIDGING GOLD AND OIL PRICES TO INDONESIA’S SHARIA STOCK INDEX Mulatsih, Srie Nuning; Septiani, Ulfa
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (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.v13i1.31714

Abstract

This study analyzes the factors influencing the Sharia Stock Index in Indonesia based on world gold prices, crude oil prices, and BI Rate. Furthermore, to observe more complex conditions, the exchange rate was included as a form of mediation. The data in this study are time-series data collected from May 2011 to December 2023. The data were analyzed using time-series data regression, which involved mediating variables. The results show that world gold prices, crude oil prices, and the BI rate significantly affect the Indonesian Sharia Stock Index. The exchange rate mediates the effect of gold and crude oil prices on the Indonesian Sharia Stock Index but does not mediate the BI rate. This finding implies that the dynamics of global commodity prices and exchange rates should be the primary consideration in the investment strategy for Sharia stocks in Indonesia. In addition, the influence of the BI rate shows that the role of domestic monetary policy has also been proven to be significant in influencing the movement of the index.
ISLAMIC FINANCE AND COSO ERM: EXAMINING STRATEGIC DRIVERS OF PERFORMANCE IN SHARIA BANKS Zuraidah, Zuraidah; Wahidmurni, Wahidmurni; Diana, Ilfi Nur
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 2 (2024): 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.v12i2.32813

Abstract

This study investigates the impact of Enterprise Risk Management (ERM) disclosure, guided by the Committee of Sponsoring Organizations (COSO) framework, on the financial performance of Islamic banks. It further examines the mediating roles of Critical Success Factors (CSF) and Islamic Corporate Governance (ICG). Utilizing secondary data from financial reports spanning 2014 to 2023, the sample comprises the world’s ten largest Islamic banks as ranked by Global Finance in 2022. Path analysis with Feasible Generalized Least Squares (FGLS) estimation was employed. The findings reveal that COSO ERM disclosure has a significant direct negative effect on financial performance. Interestingly, COSO ERM significantly influences both CSF and ICG, and ICG, in turn, significantly impacts financial performance. However, CSF do not demonstrate a significant direct effect on financial performance. Furthermore, neither CSF nor ICG significantly mediates the relationship between COSO ERM and financial performance. These results suggest that while COSO ERM enhances internal strategic and governance mechanisms, its influence on financial outcomes may necessitate more profound integration. This research contributes to risk management literature by incorporating the COSO ERM framework within the context of Islamic banking.
MODERNIZING ZAKAT,INFAK AND SHADAQAH GOVERNANCE: INSIGHTS FROM DIFFUSION,INSTITUTIONAL, AND CONTINGENCY THEORIES Suwito, Suwito; Kamal, Muhammad; AR Mahdi, Suriana; Sharma, Mala
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 1 (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.v13i1.31668

Abstract

This study investigates the modernization of ZIS governance in Ternate City Indonesia, focusing on Baitul Maal Hidayatullah (BMH) as a case study. The primary aim is to formulate innovative models and strategies that integrate technological solutions with community-based approaches to enhance the effectiveness of zakat management. Adopting a qualitative phenomenological method, the research draws on in-depth interviews with zakat managers and stakeholders involved in digital transformation initiatives. Findings reveal that the application of technology, such as blockchain-based systems, mobile applications, and digital payment platforms, has significantly increased the efficiency, transparency, and accountability of zakat operations. BMH, for instance, achieved 100% of its fundraising target through digital channels, compared to only 50–60% via conventional methods. At the same time, challenges persist, including limited access to technology and low digital literacy in rural areas, prompting the adoption of a hybrid model that combines manual and digital services to maintain inclusivity. The study emphasizes the importance of technology as a driver of modern zakat governance while highlighting the need for adaptive strategies aligned with local socio-cultural contexts. These findings contribute to the broader discourse on Islamic social finance and provide practical insights for enhancing trust, inclusivity, and sustainability in zakat institutions.
EXAMINING HOW ISLAMIC FINANCIAL LITERACY SHAPES PERCEPTIONS AND BEHAVIORAL INTENTIONS IN ISLAMIC BANKING SERVICES 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, 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 constructs. The research highlights the importance of financial literacy education to increase 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 prohibition of riba, risk-sharing, and asset-backed financing). This awareness will enhance their likelihood of choosing Islamic banking services and advocating them within society.

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