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Journal articles on the topic 'Views on Islamic banking'

Author: Grafiati

Published: 4 June 2021

Last updated: 28 July 2025

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1

Nurkhasanah, Tri, Hendri Hermawan Adinugraha, and M. Shultoni. "Views on Generation Islamic Banking Literacy: Bridging The Economic Gap and Improving Welfare." Wealth: Journal of Islamic Banking and Finance 3, no. 1 (2024): 53–66. http://dx.doi.org/10.24090/wealth.v3i1.10981.

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This research examines financial literacy, specifically related to Islamic banking, and its impact on Islamic banking lending and penetration in Indonesia. Qualitative and exploratory methods were used with data from a literature review and content analysis and FGDs. The results showed a majority understanding of Islamic banking, but variations in product usage among Generation Z. Islamic banking literacy is considered key to economic sustainability and alleviating generation Z poverty, emphasizing the importance of socializing this literacy to increase its effectiveness.Keywords: Financial Li

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2

Wijaya, Buana Handa, Akbar Dzukha Asyiqin, and Sherly Marno Rahayu. "The Relevance of Monzer Kahf's Views on Islamic Banking in Indonesia." Invest Journal of Sharia & Economic Law 3, no. 1 (2023): 120–38. http://dx.doi.org/10.21154/invest.v3i1.5875.

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This article aims to analyze the relevance of Monzer Kahf's view of Islamic banking to the development of Islamic banking in Indonesia, with a particular focus on Bank Syariah Indonesia (BSI). Although Islamic banking has grown rapidly in Indonesia, there are still challenges in understanding the factors that influence its success and how these banks can serve the community more effectively. To achieve this goal, the method used is library research, which aims to collect some information obtained through books, journals and online media that have relevance to the topic with Monzer Kahf's Islam

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3

Demiralp, Seda, and Selva Demiralp. "The rational Islamic actor? Evidence from Islamic banking." New Perspectives on Turkey 52 (May 2015): 3–27. http://dx.doi.org/10.1017/npt.2014.1.

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AbstractIslamic banks create an interest in their own right as a rising branch in financial intermediation, particularly in the post-crisis era. In addition, they also deserve the attention of students of Islamism due to their possible connection with Islamic movements. Through a comparison of Islamic and conventional banking, we analyze the motivations and behavior of Islamic economic actors who determine the cash flow to Islamic banks. Our findings suggest that, in contrast to popular views that portray these actors as ideologues or financiers of radical Islam, they have pragmatic motivation

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Agustin, Annisa Rahmadania, Dimas Bagus Wiranatakusuma, and Indriyani Sobari. "Awareness and Perception of Muslim Community Towards Islamic Banking in Yogyakarta." Proceedings University of Muhammadiyah Yogyakarta Undergraduate Conference 3, no. 1 (2023): 414–19. https://doi.org/10.18196/umygrace.v3i1.576.

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This study was undertaken to explain how the lack of public knowledge of Islamic banking in Indonesia affects the degree of awareness of the Muslim community about Islamic banking. This study's objective is to uncover and evaluate the degree of knowledge and attitudes of the Muslim community about Islamic banking in Yogyakarta, as well as the variables that influence this awareness. This research was conducted using a quantitative method and distributing questionnaires to 30 Muslim communities who live and work in the Yogyakarta area. Using the Likert Scale, participants were also required to

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Majeed, Muhammad Tariq, and Abida Zainab. "How Islamic is Islamic banking in Pakistan?" International Journal of Islamic and Middle Eastern Finance and Management 10, no. 4 (2017): 470–83. http://dx.doi.org/10.1108/imefm-03-2017-0083.

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Purpose Increasing popularity of Islamic banks in the wake of recent global financial crisis of 2008 has generated debate among researcher about practicality of Islamic banks. Critics argue that Islamic banks are not working according true spirits of Sharia’h. This paper aims to empirically address the question that how Islamic is Islamic banking in the case of Pakistan. Design/methodology/approach The target population in this paper is staff at the Islamic banks who are employees and managers. Data are also collected from customers to analyze their views. Sample comprises 63 branches of five

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Mulyani, Listi, and Moh. Huzaini. "Faktor-Faktor yang Mempengaruhi Minat Masyarakat dalam Menggunakan Produk Perbankan Syariah dengan Religiusitas Sebagai Variabel Moderasi." EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi 4, no. 1 (2024): 1223–33. http://dx.doi.org/10.56799/ekoma.v4i1.5880.

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This study examines the factors influencing interest in using Islamic banking products, including knowledge about Islamic banking, risk perception, trust in Islamic banks, and religiosity as a moderating variable. The researchers conducted multiple linear regression analysis using a closed questionnaire. The results showed that knowledge about Islamic banking positively influences public interest, implying that a better understanding of Islamic banking products increases interest in using them. However, risk perception does not significantly affect public interest, suggesting that views on ris

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ALI, MUHAMMAD AQIB, and TALAT HUSSAIN. "Islamic Banking Products, Services and Objectives: Perspectives of Shariah Supervisors and Regulators." International Review of Management and Business Research 10, no. 1 (2021): 247–58. http://dx.doi.org/10.30543/10-1(2021)-21.

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The study is aimed at assessing the opinions of vital Islamic banking stakeholders including members of various Islamic banking Shariah Supervisory Boards (SSBs) and pertinent personnel from Pakistan’s central bank – The State Bank of Pakistan (SBP). The research analyzes the percepts of respondents regarding various aspects relevant to Islamic banking (IB) products, service and objectives. The paper employs qualitative research approach in analyzing the Shariah and regulatory experts’ viewpoints regarding Islamic banking. The study is conducted using semi-structured interviews of twelve Shari

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Islam, Mohammad Khirul, and Md Yeakub. "Islamic Banking Activities In Conventional Banks Of Bangladesh: Problems And Prospects." IOSR Journal of Humanities and Social Science 29, no. 11 (2024): 47–55. http://dx.doi.org/10.9790/0837-2911074755.

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Islamic financial system cum Islamic banking system is connected with the life of every Muslim. Because zakat system, Business and Miraj law is an important subject of business Islam. The Prophet (S.M.) himself traded Modaraba with Khadijah (RA). Most of the working methods of the current Islamic banks were during the era of Rasul (S.M.) informally. After the establishment of Islamic Bank, all Muslims and even non-Muslims are vulnerable and interested in its transparency, good systems and procedures. Gradually, seeing the success of this method, conventional banks also started Islamic banking

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Siddika, Aysa, Abdullah Sarwar, and Fouzia Khan. "Perceptions of Islamic Banking among Post Millennials: A Study on Muslim Students." International Journal of Management, Finance and Accounting 4, no. 2 (2023): 19–42. http://dx.doi.org/10.33093/ijomfa.2023.4.2.2.

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This study aimed to understand the perception of Islamic banking among post millennials Muslim students and explore their expectations towards Islamic Shariah compliant banking. The study uses qualitative method to understand respondents’ subjective views. Semi-structured interviews are used among the Muslim students studying at public and private universities in Malaysia. Twelve students were selected using purposive sampling. The analysis revealed that religious motives, efficient services, and convenience in terms of online banking and ATM services are factors in bank selection. The study f

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Khan, Asad, and Abdul Qadir Shah. "A Comparative Analysis of Regulatory and Supervisory Islamic Banking: Evidence from Pakistan, Malaysia, Bahrain, and the UK." Lahore Journal of Business 4, no. 1 (2015): 37–60. http://dx.doi.org/10.35536/ljb.2015.v4.i1.a3.

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This study critically analyzes the regulatory and supervisory frameworks that govern Islamic banks in the dual banking systems of Pakistan, Malaysia, Bahrain, and the UK. We discuss their core regulatory functions and find that conflicting views among Islamic jurists and policymakers have aggravated sharia-related problems. Over the years, the regulatory framework in each country has developed in a certain way. Malaysia and Bahrain have established indigenous governance systems. Islamic banks in the UK still fall under the conventional setup, while in Pakistan, they are governed by an orthodox

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11

Yasoa, M. R., M. N. H. Yusoff, S. N. M. Said, et al. "Does External Shariah Audit (ESA) Matter? Practitioners' Views from the Islamic Banking Industry." 12th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 12, no. 1 (2021): 80. http://dx.doi.org/10.35609/gcbssproceeding.2021.12(80).

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This paper investigates the possibility and feasibility of the Islamic banking industry in Malaysia to hire external Shariah audit (ESA) services in the audit fraternity as one of the Shariah governance mechanisms to strengthen Shariah compliance in the industry. Methodologically, the study employs a qualitative method by utilizing semi-structured interviews with nine (9) key industry players consists of few Shariah auditors, heads of Shariah audit, Shariah committee, and Chief of Shariah officer. Data gathered from the interviews have been transcribed and analyzed using Atlas.ti. The findings

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Budiman, Intisaar Kaamilah, Mariam Abdulaziz, Alliya Jaffar, and Mor Talla Lo. "Impacts of the Islamic Financial Services Act 2013 on Investment Account products offered by Islamic Banks in Malaysia." International Journal of Management and Applied Research 6, no. 4 (2019): 317–27. http://dx.doi.org/10.18646/2056.64.19-024.

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The Islamic Financial Services Act (IFSA) 2013 is a Malaysian banking law which was enacted to regulate and supervise the banking practices of Islamic finance institutions. IFSA 2013 has the effect of repealing the Islamic Banking Act 1983 (IBA), the Takaful Act 1984, the Payment System Act 2003 and the Exchange Control Act 1953. Prior to the introduction of IFSA 2013 there was no clear distinction between deposit and investment accounts. The IFSA 2013 re-defines Islamic deposit, and classifies investment accounts as non-principal guaranteed while deposit account as principal guaranteed. The o

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Saba Aorangzaib, Tooba Khalid Noori, and Tahira Munawar. "Proponents and Opponents of Islamic Banking: An Overview of the Stances adopted in the Articles published in HEC Approved Research Journals." Al-Qamar 6, no. 4 (2023): 19–42. https://doi.org/10.53762/mhvp1z42.

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Islamic banking is a financial system that adheres to the principles of Sharia law, which prohibits the charging of interest. Scholars have differing perspectives on Islamic banking, with some arguing that it is a more ethical and sustainable form of banking, while others contend that it is not truly interest-free or transparent. This paper critically examines the perspectives of various scholars on Islamic banking as presented in HEC recognized journals. First school of thought, represented by Dr. Fazlurrehman, distinguishes between riba and commercial interest. They do not consider commercia

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Syarifudin, Efi, Nani Nani, and Anggita Nurcahyani. "The Sensitivity of Islamic Banking Stock Prices During the Pandemic Covid-19." Ijtimā iyya Journal of Muslim Society Research 7, no. 2 (2022): 223–36. http://dx.doi.org/10.24090/ijtimaiyya.v7i2.7985.

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Economic growth has contracted due to the COVID-19 pandemic. Based on the history of previous economic and financial crises, the banking sector is one of the most sensitive sectors during a crisis. Investors consider these conditions for their investment decisions. This paper aims to find the factors that determine the stock price of Islamic banking on three observation variables: profit, debt equity ratio (DER), and cash flow from operating (CFO). This study used a quantitative approach with secondary data sources from financial statements and company stock prices. The sample was selected pur

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Yasoa, M. R., S. F. Muhamad, T. Abdullah, et al. "External Shariah Audit Services from Practitioners’ Views: The Case of Malaysian Islamic Banks." GATR Journal of Finance and Banking Review VOL. 6 (3) SEPTEMBER- DECEMBER 2021 6, no. 3 (2021): 144–53. http://dx.doi.org/10.35609/jfbr.2021.6.3(4).

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Objective – This paper investigates the possibility and feasibility of Malaysia's Islamic banking industry hiring external Shariah audit (ESA) services in the audit fraternity as one of the Shariah governance mechanisms. Some of the scholars argued that ESA is more independent and is able to strengthen the existing Shariah compliance in the industry. Methodology – This study employs a qualitative method by utilising semi-structured interviews with nine key industry players: Shariah auditors, Heads of Shariah audit, Shariah Committee (SC) Member, and Chief Shariah Officer. Data gathered from th

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Mansor Haji Ibrahim, Mansor Haji Ibrahim. "Rethinking Islamic Economics." journal of king Abdulaziz University Islamic Economics 32, no. 2 (2019): 119–24. http://dx.doi.org/10.4197/islec.32-2.9.

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The emergence of Islamic viewpoints on economic issues under the umbrella of Islamic economics has captivated much interest especially in its practical manifestation in Islamic banking and finance. In light of the failure of mainstream economics to address many pressing issues, and hence the need for alternative views, this paper offers assessments of Islamic economics whether (i) it is relevant to this need, (ii) it has progressed to the extent that it has been made to become relevant, and (iii) it is also in need of reform. While I argue that Islamic economics is relevant, it falls short of

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17

Jacob, Barnard, Han Huazheng, and Huang Congzhao. "Financial Distress Analysis Using Altman Z-Score, Springate and Zmijewski in Retail Companies on the IDX." Journal Markcount Finance 1, no. 1 (2023): 1–12. http://dx.doi.org/10.55849/jmf.v1i1.53.

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Islamic Social Reporting (ISR) is an index of social accountability disclosure whose indicators refer to Islamic ethical principles. Islamic banking operates by sharia principles. Therefore the disclosure of ISR in Islamic banking must be within the corridors of Islamic theology. This study uses the E-Views software to identify the factors that influence the level of exposure to Islamic Social Reporting (ISR) in Islamic banking in Indonesia. The factors examined in this study are company performance and company size towards Islamic Social Reporting. The results of this study show that financia

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Adema, Hussein, Kubota Tariq, and Dumaz Carmelo. "Disclosure of Islamic Social Reporting of Islamic Banks in Indonesia with Analysis of Profitability and Size for 2016-2020." Journal Markcount Finance 1, no. 1 (2023): 13–25. http://dx.doi.org/10.55849/jmf.v1i1.54.

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Islamic Social Reporting (ISR) is an index of social accountability disclosure whose indicators refer to Islamic ethical principles. Islamic banking operates by Sharia principles. Therefore the disclosure of ISR in Islamic banking must be within the corridors of Islamic theology. This study uses the E-Views software to identify the factors that influence exposure to Islamic Social Reporting (ISR) in Islamic banking in Indonesia. The factors examined in this study are company performance and company size towards Islamic Social Reporting. The results of this study show that financial performance

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19

Diana, Sari, Sri Dwi Friwarti, Ulvia Maulida, and Mellyan. "Repositioning Islamic Banking Education in Aceh: Insights from Student Perceptions and Global Best Practices." BANCO: Jurnal Manajemen dan Perbankan Syariah 7, no. 1 (2025): 111–31. https://doi.org/10.35905/banco.v7i1.12867.

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Purpose – This research aims to explore the perceptions of prospective students in choosing the Islamic Banking Study Program at STAIN Teungku Dirundeng Meulaboh and to explore the factors influencing their views on the program. Method – The research employs a mixed-method approach, involving 267 students from the West-South Aceh region as respondents. Findings –.The results indicate that 193 prospective students (73.40%) are interested in pursuing higher education, while 71 the students (26,6%) have no intention of continuing their studies. Furthermore, 207 prospective students (77.5%) were u

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Mansyur Addury, Multazam. "BANK SYARIAH DALAM PERSPEKTIF NASABAH MUSLIM." Wahana Islamika: Jurnal Studi Keislaman 3, no. 1 (2017): 1–21. http://dx.doi.org/10.61136/apvrmb35.

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Islamic banks that emerge with the concept of interest-free banking is less well-received by the public. The development of Islamic banking in Indonesia is accompanied by the emergence of groups who lack confidence in the ability and credibility of Islamic banking. Negative views on Islamic banks can lead to the emergence of social prejudice against Islamic banks. This study uses the post-positivist paradigm with exploratory research design. The sample to be used in this study amounted to 10 of the Muslim customers of conventional banks in the city of Yogyakarta. The data collection techniques

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Masitoh, Siti, and Rachma Zannati. "Pengaruh Pembiayaan Syariah Terhadap Kinerja Keuangan Perbankan Syariah." AKURASI: Jurnal Riset Akuntansi dan Keuangan 3, no. 1 (2021): 43–56. http://dx.doi.org/10.36407/akurasi.v3i1.324.

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This study aims to analyze Islamic financing; Mudharabah, Murabahah, Financing To Deposit Ratio, Non Performing Financing on the financial performance of Islamic Banking in Indonesia. Based on the sampling criteria, there are 15 Islamic Banks, namely a combination of Islamic Commercial Banks and Sharia Business Units with a research period of 5 years (2014-2018). The research analysis used is panel data regression analysis using E-Views 10. Based on the results of data analysis, only Non-Performing Financing has a significant effect on Return on Assets. Meanwhile, Mudharabah, Murabahah, and Fi

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Ahmad, Mahadi, та Riaz Ansary. "Fiqhī views on bayʿwa salaf and qarḍ-based Islamic banking deposit accounts in Malaysia". ISRA International Journal of Islamic Finance 9, № 1 (2017): 106–12. http://dx.doi.org/10.1108/ijif-07-2017-011.

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Purpose Islamic banks are obliged to carry out transactions that only comply with Islamic commercial laws. Malaysia has been championing the Sharīʿah-based banking system, and so, continuous improvement on the compliance level of the institutions offering Islamic financial services is key to its global recognition in this industry. One of the issues that can affect deposit products is existence of a sale contract and loan facility in one transaction. Famous prophetic tradition prohibits this. Hence, this paper aims to examine the linkage between bayʿwa salaf (combination between a sale contrac

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Qomar, Moh Nurul. "Mudharabah Sebagai Produk Pembiayaan Perbankan Syariah Perspektif Abdullah Saeed." MALIA: Journal of Islamic Banking and Finance 2, no. 2 (2018): 201. http://dx.doi.org/10.21043/malia.v2i2.4890.

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<em>The aim of this research is to explore Abdullah Saeed's views on the practice of mudharabah contracts in Islamic banking. This research uses library research method and use a research to life history approach. Saeed's findings in the practice of mudharabah contracts in Islamic banking have constraints starting from capital, management, the validity period of contracts, guarantees, profit and loss principles that are different from the concept of mudharabah that develops in the science of fiqh. Abdullah Saeed concluded that the mudharabah contract in Islamic banks was different from t

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Harun, Mohd Shukor, Muhammad Ridhwan Ab Aziz, Muhammad Azrin Nazri, Rana Fathinah Ananda, and Sari Nuzullina Rahmadhani. "ARTIFICIAL INTELLIGENCE IMPLICATIONS IN ISLAMIC BANKS: POTENTIAL AND CHALLENGES." iBAF e-Proceedings 11, no. 1 (2024): 471–83. http://dx.doi.org/10.33102/vvbgcv35.

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As new digitalization strategies storm the banking industry, banks which are behind the technological curve may struggle to keep pace. This is a well-known challenge in the Islamic banking sector in particular; however, this research shows that little is being done to achieve unified digitalization in operations. Artificial Intelligence (AI) is a disruptive force in the financial sector, promising increased financial inclusion, economic development, and a excess of efficient, transparent, Shariah-compliant financial solutions due to its integration of technology with Islam’s profound ethical p

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Jefri, Gio Vani, Nurnasrina Nurnasrina, and Syahfawi Syahfawi. "Penilaian Kualitas Dan Risiko Pembiayaan Bank Syariah." JAWI : Journal of Ahkam Wa Iqtishad 1, no. 4 (2023): 212–21. https://doi.org/10.5281/zenodo.10445929.

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The quality of productive assets plays a significant role in the success of Islamic banking, not just a mere function. Islamic banks consistently measure their performance by referring to the standard of productive asset quality as a benchmark. The prosperity of an Islamic bank's business substantially depends on its ability to manage investments by adhering to two main principles: the prudence principle and the Sharia principle. The aim of this research is to conduct a comprehensive evaluation of the quality and risks in Islamic bank financing. To face the complexity and dynamics of the Islam

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Isamail, Mohamad Zaim, Muhammad Ikhlas Rosele, Mohd Farhan Md. Ariffin, Munawar Rizki Jailani, and Syaimak Ismail. "Dynamics of the Financial Stability of Islamic Banking in Malaysia: Current Perspective Analysis." Al-Risalah: Forum Kajian Hukum dan Sosial Kemasyarakatan 20, no. 2 (2020): 131–45. http://dx.doi.org/10.30631/alrisalah.v20i2.599.

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This article discusses the financial stability of Islamic banking in Malaysia by focusing on the analysis of current perspectives. In addition, it also discusses the references used to describe Islamic-based financial stability. To achieve this objective, this study would analyse the resources to ascertain the arguments on how such financial stability is viewed from an Islamic perspective. This study was conducted using a qualitative method through library research by searching for references from sources such as al-Qurʼan and its interpretation, al-Hadith of the Prophet Muhammad peace be upon

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Sukmana, Raditya, and Mansor H. Ibrahim. "Restructuring and Bank Performance in Dual Banking System." Signifikan: Jurnal Ilmu Ekonomi 10, no. 2 (2021): 223–47. http://dx.doi.org/10.15408/sjie.v10i2.20740.

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While extensive study deals with bank competition and performance relationship, this study pioneers in focusing the existence Islamic bank in the presence of well established conventional banking system in Malaysia. This paper assesses the impact of changing competition landscape and Islamic bank penetration on bank risk, profitability and capitalization. This study utilizes an unbalanced panel dataset consisting of 37 commercial banks over the period 1997 to 2015. the paper uses a panel VAR methodology to discern the interactions between bank competition and Islamic banking presence on one ha

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Isamail, Mohamad Zaim, Muhammad Ikhlas Rosele, Mohd Farhan Md. Ariffin, Munawar Rizki Jailani, and Syaimak Ismail. "Dynamics of the Financial Stability of Islamic Banking in Malaysia: Current Perspective Analysis." Al-Risalah 20, no. 2 (2020): 131–45. http://dx.doi.org/10.30631/al-risalah.v20i2.599.

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This article discusses the financial stability of Islamic banking in Malaysia by focusing on the analysis of current perspectives. In addition, it also discusses the references used to describe Islamic-based financial stability. To achieve this objective, this study would analyse the resources to ascertain the arguments on how such financial stability is viewed from an Islamic perspective. This study was conducted using a qualitative method through library research by searching for references from sources such as al-Qurʼan and its interpretation, al-Hadith of the Prophet Muhammad peace be upon

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Muhammad Miftah Al-Qahtani, Sri Ramadhani, and Ahmad Syakir. "Persepsi Pedagang Pasar Sipirok Tapanuli Selatan Terhadap Pembiayaan Bank Syariah." Paradoks : Jurnal Ilmu Ekonomi 8, no. 3 (2025): 47–55. https://doi.org/10.57178/paradoks.v8i3.1341.

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This study explores the perceptions of market traders in Sipirok, South Tapanuli, regarding Islamic banking financing services. The findings reveal that most traders continue to rely on conventional banks or other traditional financial institutions, such as pawnshops, to meet their business capital needs. A lack of knowledge and limited outreach about Islamic banking are key factors behind the low adoption of these services among traders. Using a qualitative approach with a descriptive method, the study aims to analyze traders’ perceptions, identify the factors influencing their choice of fina

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Jaber, Amer S. "Financial Engineering and Its Role in the Growth and Development of Islamic Banking in Palestine." Asian Journal of Finance & Accounting 10, no. 2 (2018): 64. http://dx.doi.org/10.5296/ajfa.v10i2.13690.

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The study aimed to identify the role of financial engineering in the growth and development of Islamic banking in Palestine; this is through the acknowledgment of the role of the Sharia Supervisory Board represented by the jurisprudential opinions on new Islamic products and tools. Moreover, the role of the regulations and instructions issued by the Palestine Monetary Authority (PMA) concerning Islamic banks. In addition to the impact of experience and employees’ training, as well as the impact of modern technology on the growth and development of Islamic banking in Palestine.The researcher us

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Babenkova, Svetlana Yu, and Aleksandr D. Vasil’ev. "ISLAMIC BANKING SYSTEM IN TURKEY AND ITS PROSPECTS." RSUH/RGGU Bulletin. Series Economics. Management. Law, no. 4 (2022): 47–59. http://dx.doi.org/10.28995/2073-6304-2022-4-47-59.

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The coming to power of R.T. Erdogan at the head of the Justice and Development Party, which is called the party of moderate Islam, displayed a return to a number of traditional Islamic views on the economic theory and concept of public administration in Turkey. In this regard, the development of Islamic financial banks in the country is seen as a continuation of the trend towards the partial desecularization of society and the revival of traditional socio-economic institutions. In the case of Turkey, Sharia financial institutions are not labeled as “Islamic”, a term that is being avoided in bo

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Edo Segara Gustanto. "Konsep Mudharabah dan Musyarakah dalam Perbankan Syariah Menurut Abdullah Saeed." Mutanaqishah : Journal of Islamic Banking 1, no. 2 (2021): 83–102. http://dx.doi.org/10.54045/mutanaqishah.v1i2.177.

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This article discusses the concept of profit sharing which is an issue in the debate of Islamic Banking in Indonesia. Researchers try to review how the concept of profit sharing is elaborated with Abdullah Saeed's thoughts. Abdullah Saeed is an Australian scholar and scholar studying Islamic studies. He is currently the Omani Professor of Arabic and Islamic Studies at the University of Melbourne. He is known for his progressive views on religious freedom in Islam.

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Nurun Nikmah, Amanatun Nisfah, Ruslan Abdul Ghofur, and Heni Noviarita. "Determinant Variables that Affect the Financial Performance of Islamic Banking in Indonesia." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 5, no. 3 (2023): 2480–500. http://dx.doi.org/10.47467/alkharaj.v5i3.1975.

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This study aims to analyze whether there is an influence of Islamic Corporate Governance, Islamic Social Responsibility, Intellectual Capital, Sharia Bank Indonesia Certificates and Profit Sharing Levels on the Financial Performance of Islamic Commercial Banks in Indonesia for the 2016-2020 period. The type of data used is secondary data obtained from the financial reports of banks, BI and OJK through published institutional reports which were analyzed using multiple linear regression with the help of the E-Views 10 Program. The results of this study are the variables Islamic corporate governa

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Gilani, Hasan. "Exploring the ethical aspects of Islamic banking." International Journal of Islamic and Middle Eastern Finance and Management 8, no. 1 (2015): 85–98. http://dx.doi.org/10.1108/imefm-09-2012-0087.

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Purpose – The purpose of this paper is to look into the ethical practices of a profit-driven financial institution that is currently adopting Islamic banking and whether it can actually be ethical from an Islamic perspective. The recent decade has seen an upsurge of the increasingly integration of ethical management into operational strategies by businesses across the globe. Like any other religion, Islam wants its followers to be truthful and honest and to be compliant with its teachings and especially in a business transaction. This research paper explores the ethical factors of Islamic bank

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Abdul-Somed, Ibrahim, Nissar Ahmad Yatoo, and Geofrey Yusif. "Islamic Finance in Ghana: Can MSMEs Benefit?" Journal of Accounting Research, Organization and Economics 7, no. 3 (2024): 281–96. https://doi.org/10.24815/jaroe.v7i3.37011.

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Objective – The purpose of this study is to examine the potential benefits of the implementation of Islamic Banking and Finance (IBF) in Ghana and opportunities for businesses using MSMEs as data source.Design/Methodology – Primary data were obtained using questionnaires, where 400 questionnaires were distributed to MSMEs operators with a final sample of 308 respondents. The data collected were analyzed with SPSS 26.0 and the results were discussed.Results – The findings reveal that MSMEs (businesses) are yearning for Islamic banking to reap several benefits such as alternative sources of fund

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Johora, Fatema Tuz. "A Comparative Performance Analysis of Conventional Banking and Islamic Banking in Bangladesh." Asian Accounting and Auditing Advancement 6, no. 1 (2015): 59–71. http://dx.doi.org/10.18034/4ajournal.v6i1.36.

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Commercial banks can be said to be the major contributor to the financial market mechanism in Bangladesh. Two forms of commercial banking systems are functioning here: the conventional banking system and the Islamic banking system. The two banking systems differentiate each other according to their compliance with different norms, values, beliefs, and religious views while conducting business. Conventional banks follow borrowing and lending mechanisms while Islamic banks follow trading and investment mechanisms. Conventional banks provide and receive interest while receiving deposits and provi

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Makka, Misbahul Munir, Chairul Fahmi, and Jefry Tarantang. "Religiosity of Muslim Customers as a Motivation to Save at Bank Syariah Indonesia." Kunuz: Journal of Islamic Banking and Finance 4, no. 1 (2024): 1–16. https://doi.org/10.30984/kunuz.v4i1.838.

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This research explores the perception and motivation of saving from customers of the Branch Office (KC) Bank Syariah Indonesia (BSI) in Manado. This study uses a qualitative approach to understand how customers view Islamic banking services and the factors motivating them to use them. The research method includes in-depth interviews with BSI customers. Interviews are used to explore customers' views on Islamic banking services, the factors influencing their savings decisions, and their experiences and expectations regarding these services. The findings show that religiosity, income, and unders

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Hassan, M. Kabir, and Muhammad Abdul Mannan Chowdhury. "Islamic Banking Regulations in Light of Basel II." American Journal of Islamic Social Sciences 27, no. 1 (2010): 74–101. http://dx.doi.org/10.35632/ajiss.v27i1.357.

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This paper seeks to determine whether the existing regulatory standards and supervisory framework are adequate to ensure the viability, strength, and continued expansion of Islamic financial institutions. The reemergence of Islamic banking and the attention given to it by regulators around the globe as to the implications of a recently issued Basel II banking regulation makes this article timely. The Basel II framework, which is based on minimum capital requirements, a supervisory review process, and the effective use of market discipline, aligns capital adequacy with banking risks and provide

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Hassan, M. Kabir, and Muhammad Abdul Mannan Chowdhury. "Islamic Banking Regulations in Light of Basel II." American Journal of Islam and Society 27, no. 1 (2010): 74–101. http://dx.doi.org/10.35632/ajis.v27i1.357.

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This paper seeks to determine whether the existing regulatory standards and supervisory framework are adequate to ensure the viability, strength, and continued expansion of Islamic financial institutions. The reemergence of Islamic banking and the attention given to it by regulators around the globe as to the implications of a recently issued Basel II banking regulation makes this article timely. The Basel II framework, which is based on minimum capital requirements, a supervisory review process, and the effective use of market discipline, aligns capital adequacy with banking risks and provide

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Niffilayani, Anita, and Le Thi Thao. "Legal Analysis of Islamic Economic Law on Hybrid Contracts in Islamic Financial Institution Products." Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan 10, no. 2 (2024): 232. http://dx.doi.org/10.29300/mzn.v10i2.3002.

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This article is intended to philosophically analyze the existence of hybrid contracts or al-’uqûd al-murakkabah (complex contracts) or multi-contracts. The research focuses on the opinions of hadith scholars and fiqh muamalah (Islamic commercial jurisprudence), as well as their applications in Islamic financial institutions. This is crucial because a single contract form cannot adequately respond to the current financial conditions. Transactions are always dynamic and influenced by the financial industry at national, regional, and international levels. This research is a qualitative-literature

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Mardhiah, Izzatul, Rihlah Nur Aulia, and Sari Narulita. "Persepsi Dosen PAI di Perguruan Tinggi Umum tentang Praktek Perbankan Syariah dan Konvensional." Jurnal Online Studi Al-Qur'an 14, no. 2 (2018): 175–88. http://dx.doi.org/10.21009/jsq.014.2.06.

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The study describes the perception of Islamic Religious Lecturers (PAI ) at Public University (PTU) about the practice of Islamic and conventional banking. This study is a descriptive qualitative research. The data were collected through a questionnaire distributed among several PAI Lecturers in Jakarta and other regions. This research used the Improvisation theory formulated by Ibrahim Warde , which stated about traditionalist, modern and moderate view about bank interest. The study concluded that PAI lecturers perceptions in PTU are divided into three views. Most respondents tended to have t

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Tuğba, Demirtaş. "An Analysis of Development on Global Islamic Banking Products and Services." International Journal of Social Science and Human Research 07, no. 10 (2024): 7858–66. https://doi.org/10.5281/zenodo.13980482.

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Islamic banking, or, in its broader definition, Islamic finance, is a sector gradually developing as an application area of alternative finance. This study explains the basic principles of Islamic banking, historical development globally, and leading products and services. The primary aim of this paper is to analyze the distribution of products and services. The study includes 18 countries' product distribution and preferences. The results show that the sector prefers intensively less risky areas (murabahah, ijarah) despite the increasingly developing and diversified products and services. Whi

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Waluya, Atep Hendang. "Pandangan Fukaha Kontemporer Tentang Hukum Bermuamalah dengan Bank Syariah." Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat 6, no. 2 (2023): 191. http://dx.doi.org/10.24853/ma.6.2.191-208.

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The current performance of Islamic banking is quite encouraging, but for the market share of Islamic banking, which is currently still relatively small, even though the majority of Indonesia's population is Muslim. Knowledge or literacy has a significant influence on people's interest in muamalah with Islamic banks. This paper tries to describe contemporary jurists' views regarding the law dealing with Islamic banks. Contemporary jurists allow muamalah with Islamic banks because deposits in Islamic banks are built on the principle of mudaraba and there is no usury on it, this is as expressed b

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Riza Ali Shah and Muhammad Muzammil. "<b>Impact Of Macroeconomic And Bank Specific Factors On The Murabahah Financing Among Islamic Banks In Pakistan </b>." Advance Journal of Econometrics and Finance 3, no. 2 (2025): 101–13. https://doi.org/10.63075/rpay8384.

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The purpose of this study is to examine the effect of macroeconomic and Islamic bank specific factors on Murabahah financing in Pakistan. The study took GDP growth rate, Inflation Rate, Interest Rate, GDP Per Capita, Advances to deposit ratio and NPL ratio as independent variables while Murabahah financing took as dependent variable. The study focused on Islamic commercial banks/ Institutions in banking Industry of Pakistan. The study took those Islamic banking firms / Institution who hold 70% of Islamic operations and the Data is taken for the period from 2014 to 2023. The data took on annual

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Anwar, Muhammad. "Islamic Justice In A Monetary System." American Journal of Islam and Society 4, no. 1 (1987): 135–39. http://dx.doi.org/10.35632/ajis.v4i1.2743.

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Dr. M. Umer Chapra. Towards a Just Monetary System. Leicester:The Islamic Foundation. 1985. 292p.Extensive literature on the institutional aspects of monetary economics includespioneering studies by Muhammad Uzair, Muhammad Nejatullah Siddiqi,Ziauddin Ahmed, Anwar Iqbal Qureshi, Afzalur Rahman, and theCouncil of Islamic Ideology in Pakistan among many others. Scores ofresearch papers have elaborated the functioning of Islamic banking in theoryand practice. A fresh study on Islamic banking in Iran and Pakistan by ZubairIqbal and Abbass Mirakhor has been released by the International MonetaryFun

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Al-Sharif, Bader Mustafa. "Impact of Systemic Risks on Islamic Banks Performance." International Journal of Economics and Finance 10, no. 5 (2018): 221. http://dx.doi.org/10.5539/ijef.v10n5p221.

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The current study aims at identifying impact of systemic risks on Islamic banks performance: evidence from Jordan as measured by return on assets. The financial reports issued by Islamic Bank of Jordan and Islamic International Arab Bank for the periods (2007-2016) were referred to. The analytical and descriptive approach were applied in order to achieve the objectives and the results of the current study. (E-views) software was applied in order to examine the hypotheses of the study and to answer its questions through Simple &Multiple Linear Regression analysis.The most significant findin

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Saad, Auwal Adam, and Syed Musa Syed Jaafar Alhabshi. "Debt Theories in Islamic Commercial Transactions and Their Implications for the Islamic Capital Market." International Journal of Management and Applied Research 6, no. 4 (2019): 296–306. http://dx.doi.org/10.18646/2056.64.19-022.

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There are two different approaches to the prophetic concern regarding debt acquisition and the related rulings. The Prophet (peace be upon him) was recorded as having discouraged debt while other verbal traditions provided guidelines on how to manage debt in a socially responsible manner. This paper aims to analyse these two contrary views according to the Maqasid Shariah and look at how this has impacted juristic rulings. Furthermore, the paper reviews classical fiqh theories on debt, sale of debt, al-Muqassah, Suftajah, Hawalah, and Ibra. The paper also reviews the theoretical perspective on

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Fatira, Marlya, Anriza WitI Nasution, and Ismi Affandi. "Preparing Islamic Human Resources Competencies as Generation of Digital Bankers in Polytechnics Vocational Education." AJIS: Academic Journal of Islamic Studies 4, no. 1 (2019): 39. http://dx.doi.org/10.29240/ajis.v4i1.686.

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The development of the 4.0 industrial revolution is now increasingly real and has an impact on all aspects of human life. Human behavior in carrying out activities for their lives is done digitally. This situation has made all industries including the banking industry adapt to provide the best service to customers through digital service transactions. The need for young professionals of digital bankers is a necessity in the present, therefore vocational colleges are in the form of Polytechnics such as Politeknik Negeri Medan. The Islamic banking and finance study program as at Politeknik Neger

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Wiwi Widia Argita, Neneng Fitriah, Abu Bakar Sidiq, and Rasidah Novita Sari. "Problematika dan Perkembangan Perbankan Syariah di Indonesia dalam Era Globalisasi." SANTRI : Jurnal Ekonomi dan Keuangan Islam 1, no. 6 (2023): 251–59. http://dx.doi.org/10.61132/santri.v1i6.126.

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This research aims to analyze the problems and development of sharia banking in Indonesia in the context of globalization. Sharia banking in Indonesia has experienced significant development during the era of globalization. Globalization is a process of international integration that occurs due to the exchange of world views, products, thoughts and other cultural aspects. The progress of transportation and telecommunications infrastructure, including the emergence of the telegraph and the Internet, is a major factor in globalization which increasingly encourages interdependence of economic and

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Tahira Umair and Sadia Butt. "Adoption of Mobile Banking Apps and their Behavioral Impacts on Millennials in Digital Age: Evidence from Developing Country Perspective." Indus Journal of Social Sciences 3, no. 1 (2025): 404–19. https://doi.org/10.59075/ijss.v3i1.681.

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This study examines the behavior of millennials generation towards benefits and services offered through mobile banking (m-Banking) applications. This study uses three different types of banking system to better understand the millennials generation views in term of customer’s loyalty (CL), positive word of mouth (WOM). Whereas, relationship quality (RQ) plays a mediation role. The benefits and services provided by m-banking channel is considered as independent variable while customer’s loyalty and positive WOM as dependent variables. Random sampling is employed to obtain data from Millennials

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