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The development of Islamic economics with the application of sharia principles in economic activities is starting to be practiced in the field of sharia finance. This started with the establishment of sharia banking, then followed by the emergence of the sharia capital market as an investment tool to attract profits and seek capital. The Jakarta Islamic Index (JII) as the antithesis of the conventional capital market has challenges when carrying out investments using sharia principles, this is because securities in the form of shares are greatly influenced by macroeconomic aspects such as interest rates. So sharia share prices are very sensitive to the dynamics of interest rates. This research seeks to see the extent of the influence of interest rates on sharia sham prices at JII. The method used is VECM analysis to see long-term effects. The results of this research found that the interest rate variable did not significantly influence sharia stock prices in the long term, however the results of the VECM analysis found that there was a negative relationship, meaning that there was still an influence, although not significant. So sharia share prices can still be affected by changes in conventional interest rates.

This research investigates the impact of financial technology in Islamic banking through a qualitative approach. The primary focus is on the paradigm shift in operational processes and challenges faced by Islamic financial institutions in adopting technological innovations. Through the analysis of regulations, financial technology implementation, and stakeholder perceptions, this study identifies significant changes in financing and investment models. Findings indicate positive impacts such as increased operational efficiency, product diversification, and responsiveness to consumer demands. However, challenges in data security and unequal access emerge as primary concerns. This research provides in-depth insights into how financial technology triggers transformation in Islamic banking, with significant implications for regulatory design and future business strategies.

This research compares the implementation of Sharia financing models in Malaysia, Indonesia, Bahrain, the United Arab Emirates, and Qatar to analyze their roles in driving economic growth. A qualitative approach is employed to evaluate regulations, infrastructure, and literacy levels related to Sharia financing in these five countries. The results indicate differences in product coverage, market structures, and regulations governing the Sharia financing sector in each country. The more rapid development of Sharia financing in Malaysia and Bahrain correlates with higher economic growth in both nations. This study concludes that a conducive regulatory framework and infrastructure are crucial to promoting the development of Sharia financing, enabling it to play an optimal role in driving economic growth. Integrated policies are needed to strengthen the Islamic financial industry across various Muslim-majority countries.

The aim of the community service activity is "Socialization and Education of Sharia Banking Products for UMKM". This socialization aims to educate about sharia banking products so that they can know and understand sharia banking products so that it is hoped that a lot of knowledge and information will be absorbed by respondents, in this case are UMKM actors in Tanah Grogot. During educational outreach related to Sharia Banking, the team distributed questionnaires to respondents or participants in the socialization for UMKM actors to analyze based on the answers of respondents who attended the socialization. From the results of the socialization, the understanding of UMKM actors towards Islamic banks is sufficient. This can be proven by 15 respondents or (83.33%) who answered Yes, Fairly Understand. This shows that of the 18 UMKM actors who attended the socialization, they had sufficient understanding regarding Islamic banks and The Products. This means that the education that has been provided by the community service team has been quite successful in increasing the insight and knowledge of UMKM players and it is hoped that it can increase public awareness, especially UMKM players in Tanah Grogot, to carry out minimum savings transactions at sharia banks. Apart from that, one of the biggest obstacles in Sharia Bank transactions is the lack of available ATM networks, which makes UMKM players still hesitant to become interested in becoming Sharia Bank customers. This was proven by the UMKM players who attended the socialization, 9 respondents or 50% still Hesitance to become a sharia bank customer is due to the fact that the ATM network is not large, which is one of the factors why there are still many who are not interested in becoming sharia bank customers. From the results of the community service activity "Socialization and education of sharia banking products for UMKM in Tanah Grogot" it can be concluded that the presenters were able to educate the UMKMs who attended the socialization very well. This was proven by 11 respondents or 61.11% who responded that the material presented by the lecturers related to sharia banking product education was very good so that UMKM players could gain understanding and knowledge about sharia banking contracts and products which they hoped would be equipped with this knowledge. applied in sharia-based economic life.

This research aims to determine the influence of prestige and social environment on the interest of Islamic Banking Department students at UIN Raden Fatah Palembang to work in Islamic banks. Prestige and social environment are two factors that are thought to influence students' interest in working in Islamic banks. This research used a quantitative method with an incidental sampling technique using the Slovin formula to obtain 93 samples. Data was collected through questionnaires and analyzed using the PLS (Partial Least Square) analysis technique via SmartPls. The results of the research show that the Prestige variable obtained a t-statistical value of 4.349 > 1.96 with a p-value of 0.000 < less than the significance level of 0.05, so it can be explained that prestige has a positive and significant effect on student interest and the Social Environment variable obtained a t-value statistics 2,931 > 1.96 with a p-value of 0.004 < less than the significance level of 0.05, so it can be explained that the Social Environment has a positive and significant effect on students' interest in working in sharia banks. The conclusion of this research is that prestige and the social environment influence the interest of students from the Sharia Banking Department at UIN Raden Fatah Palembang to work in a sharia bank. The higher the prestige of a job and the more supportive the social environment, the higher the student's interest in working in a sharia bank.    

This study investigates the contribution of Islamic banks in supporting green economy initiatives and promoting sustainable financial growth. Employing a quantitative research design, the study utilizes secondary data collected from annual reports, sustainability disclosures, and carbon emission reports of Islamic banks for the period 2018–2024. The research aims to examine the relationship between green financing portfolios and key financial performance indicators Return on Assets (ROA), Return on Equity (ROE), and Capital Adequacy Ratio (CAR) while evaluating the environmental impact through carbon emission reduction. Descriptive statistics provide an overview of green financing activities and financial ratios, while multiple regression analysis assesses the effect of green financing on sustainable financial performance, controlling for bank size, Gross Domestic Product (GDP) growth, and inflation. An independent sample t-test compares Islamic and conventional banks in terms of ethical compliance, environmental contribution, and profitability. The findings reveal that Islamic banks allocate a higher proportion of financing to green projects, achieving significant carbon emission reductions without compromising financial performance. The green financing portfolio exhibits a positive and significant effect on sustainable financial growth, and larger banks demonstrate a greater capacity to implement sustainability initiatives. The comparative analysis confirms that Islamic banks outperform conventional counterparts in environmental and ethical dimensions while maintaining comparable profitability. These results underscore the potential of Sharia-compliant banking to integrate ethical, environmental, and economic objectives, positioning Islamic financial institutions as key actors in advancing a sustainable, low-carbon financial system.

The aim of this research is to determine the perceptions of non-Muslim students towards Indonesian Sharia Banks. To answer this problem, this research was conducted using descriptive qualitative research with data sources from UNJA students. The data collection techniques used were interviews, observation and documentation. The results of this research show that students' perceptions of sharia banks are still lacking because they do not understand sharia banking, they are not sure what sharia banks are, but they have heard about sharia banks from their neighbors. They stated that Islamic banks are the same as regular banks, only that they are designed specifically for Muslims and their operational procedures are the same. Therefore, Islamic banks cannot be accessed by non-Muslim students. From the results of the research conducted, it can be concluded that in UNJA non-Muslim students' perception of sharia banking is a process of integrating, regarding and interpreting information received by the sensory system. Non-Muslim students at UNJA only know about sharia banks, some also know about them from social media, and their response to sharia banks is only ordinary banks and there are also those who say sharia banks are good banks

Financing is one type of sharia banking activity which is meant by financing is the provision of funds or bills which are equivalent to profit sharing transactions in the form of mudharabah and musyarakah, rental transactions in the form of ijarah or hire purchase in the form of ijarah, mutaniya bittamlik, sale and purchase transactions in in the form of murabhahah, salam and istisna receivables, lending and borrowing transactions in the form of qards and service rental transactions in the form of ijarah for multi-service transactions. This research aims to determine the influence of DPK, FDR and NPF on murabahah financing in Islamic commercial banks for the 2018-2022 period. This type of quantitative research, the data used is secondary data taken from the OJK website. This research uses the multiple linear regression method. The research results show that the variables third party funds (DPK), financing to deposit ratio (FDR) and non-performing financing (NPF) simultaneously have a significant influence on murabahah financing in Islamic commercial banks for the 2018 - 2022 period.

The development of the Islamic banking sector in Indonesia reflects a response to the public's need for a banking system that not only provides sound financial services, but also adheres to sharia principles. PT Bank Syariah Indonesia as a major player in this sector has to face the changes that occur due to high competition in an effort to win customer trust and support. Currently, customer behaviour in the Indonesian banking industry is very diverse. Low administrative costs are also an important consideration for customers. The importance of these factors in customer decision-making has been recognised by modern banks, which now realise that customers do not only consider interest rates or financial benefits, but also want the sophistication and full features of banking products. Technological advancement, especially in mobile banking, has become a significant trend, not only in developed countries but also in developing countries such as Indonesia. Mobile banking, as one of the service products offered by PT Bank Syariah Indonesia, is an important factor in students' decision to open an account online. The existence of good virtual services from Bank Syariah Indonesia, especially through the mobile banking platform, is a major attraction for students, given their dependence on technology and the need for convenience in transactions.

Dispute resolution in sharia banking involves various methods, such as mediation, arbitration and court. Mediation is a voluntary process that allows the parties involved to reach an agreement with the help of a mediator. Arbitration is a method that results in a binding decision by a neutral arbitrator. Trial is a formal method that requires a longer process and higher costs, but produces binding decisions. Each method has advantages and disadvantages, and the choice of method must consider the characteristics of the dispute, the preferences of the parties involved, and compliance with sharia principles in Islamic banking. In conclusion, it is important to choose the dispute resolution method that best suits the Islamic banking context and the desired resolution objectives.  

Dispute resolution in sharia banking involves various methods, such as mediation, arbitration and court. Mediation is a voluntary process that allows the parties involved to reach an agreement with the help of a mediator. Arbitration is a method that results in a binding decision by a neutral arbitrator. Trial is a formal method that requires a longer process and higher costs, but produces binding decisions. Each method has advantages and disadvantages, and the choice of method must consider the characteristics of the dispute, the preferences of the parties involved, and compliance with sharia principles in Islamic banking. In conclusion, it is important to choose the dispute resolution method that best suits the Islamic banking context and the desired resolution objectives.  

This article discusses the pivotal role of Good Corporate Governance (GCG) Sharia in governing the Islamic banking sector, emphasizing ethical principles and Sharia values. The research employs a comprehensive evaluation using secondary data collection methods, specifically library research and internet searches. Data were extracted from journals and articles focusing on GCG. The assessment reveals that Islamic banks have generally implemented GCG principles such as accountability, transparency, fairness, and compliance with Sharia law effectively. However, the study identifies areas for improvement, particularly in comprehensive application of Sharia principles and more effective risk management. Instances of personal involvement within Islamic banking institutions underscore the need for enhanced adherence to these principles to uphold ethics and sustainability. Therefore, this article underscores the significance of a profound understanding and effective implementation of GCG Sharia principles within the operational framework of Islamic banking in Indonesia.

Financial performance is an important indicator used to evaluate the financial condition of an entity, such as a bank. Financial performance evaluation provides an understanding of an entity's financial health, operational efficiency, profitability, and financial sustainability. This research aims to comprehensively investigate the influence of financial literacy on employee performance and its impact on financial performance in the Islamic banking environment. This research uses quantitative methods with descriptive analysis methods. The population and sample in this study were all employees at BSI KCP Blangpidie, namely 35 people. The data used in this research is primary data obtained from the results of distributing questionnaires. The analysis used in this research is path analysis. The research results show that financial literacy has a positive and significant influence in improving financial performance at BSI KCP Blangpidie, this is because the calculated t value is greater than the t table (9.074 > 2.034). Likewise, from the calculations that have been carried out, it is known that the direct effect is 0.346 and the indirect effect is 0.591, which means the direct effect is smaller than the indirect effect.

The study of the role of the Financial Services Authority (OJK) in protecting banking customers is an important topic in the context of consumer protection and the stability of the financial system. OJK has the authority to end operational supervision procedures related to bank and non-bank exchange transactions, as well as providing legal certainty for customers. It is an Islamic economic perspective, OJK also has a role in protecting sharia banking customers. Legal protection for depositing customers has been regulated in various laws and regulations, including Law Number 21 of 2011 concerning OJK. OJK also has an important role in resolving consumer complaints in accordance with those regulated in the Consumer Protection Law. In addition, OJK is also involved in regulating national economic stimulus policies that have an impact on the spread of COVID-19. Through regulations such as OJK Regulation No. 48/POJK.03 Year 2020, OJK plays a role in loving the guarantee for financial losses felt by depositing customers. Thus, the role of OJK in protecting banking customers is very important in maintaining public trust in the financial system.

The development of an institution cannot be separated from the role of the community it self. Apart from quality, the institution must also give priority to the community, consumert or customers to maintain the continuity of the institution or argency. The activities of Islamic banking institutions must be carried out as closely as possible in introducing the products and services offered by Islamic banking with the aim of increasing or even increasing public interest and trust. In connection with this research, this thesis aims to determine the lack of public interest in choosing Islamic banking products. This type of research is qualitaive research and the data collection techniques are observation, interviews and documentation. This research involved 30 respondents in Mekar Sari Village, Kumpeh districh, consisting of various professions. From the results of research conducted by researchers, 8 respondents stated that they were interested in Islamic banking , but only 3 respondents had used Islamic banking services, and the remaining 14 respondents were not interested and used conventional banking services, then 8 respondents did not respond because they assumed that Islamic banking and conventional bank are the same. Based on the data analysis from this research, the public understanding of Islamic banking are internal and external factors, including personality, motivation, attitudes, beliefs lifestyle, religion, experience, family, culture, society and service. Of   these factors, the most dominant main factors are attitude and belief factors, personality factors and community factors themselves.

Musyarakah mutanaqishah is musyarakah or syirkah ownership the assets (goods) or capital of one of the parties (shariq) are reduced due to gradual purchase by other parties. As well as a musyarakah agreement mutanaqishah is a combined contract between a musyarakah contract and a contract ijarah. Sharia syndicated financing is financing provided by two/more Islamic banks or financial institutions, with the same terms and conditions, using the same documents and administered by one bank. Regarding information on syndicated financing using a musyarakah agreement Mutanaqishah is still not widely known by the wider community until now This. So this research will focus on discussing contracts musyarakah mutanaqisah used in syndicated financing. Because This contract is a contract that needs to be socialized and more publicized the banking sector, because its existence is not widely known by the public common among other contracts which are also used for syndicated financing in sharia banking in Indonesia, after previously using contracts murabahah and ijarah mun tahiya bit tamlik.

For the first time in Indonesia, banking regulations have begun to be systematically regulated in Law no. 14 of 1967 which discusses the principles of banking is used as a guideline for the regulation of banking in Indonesia. In 1992, the establishment of Bank Muamalat Indonesia was the beginning of the recognition of sharia banking in Indonesia. Then with the enactment of Law no. 7 of 1992 concerning banking, as amended by Law no. 10 of 1998 explicitly discusses that in Indonesia there are two banking systems, namely conventional banking and sharia banking. The regulations regarding sharia banking in this law are considered not yet specific, therefore it is necessary to specifically establish sharia banking itself in a law, with the establishment of Law no. 21 of 2008 concerning sharia banking. For a long time, banking in Indonesia has made law no. 14 of 1967 concerning the basic principles of banking as guidelines for every bank in Indonesia. In 1992, the establishment of Bank Muamalat Indonesia was the beginning of the recognition of sharia banking in Indonesia. Then with the enactment of Law no. 7 of 1992 concerning banking, as amended by Law no. 10 of 1998 explicitly discusses that in Indonesia there are two banking systems, namely conventional banking and sharia banking. The regulations regarding sharia banking in this law are considered not yet specific, so a law that is clearer and complements the shortcomings of the previous law is needed. Therefore, Law no. 21 of 2008 concerning sharia banking. The final conclusion in this research is that the public recognizes and prefers sharia banking as regulated in Law No. 21 of 2008 because this law can explain and answer specifically the problems that exist in society regarding banking in Indonesia and with the birth of law no. 21 of 2008 is expected to provide justice and togetherness to all Indonesian people based on sharia principles which refer to Islamic law in order to achieve equal distribution of social welfare.

This study aims to analyze the effect of various Islamic banking instruments on the Return on Asset (ROA) provided by PT Bank BCA Syariah. This study uses historical data for the last five years (2018-2022) and statistical analysis to evaluate the contribution of certain Islamic banking instruments to the amount of financing provided by the Islamic bank. The results of this study provide greater insight into how Islamic banking instruments affect the financing portfolio of PT Bank BCA Syariah and can serve as a foundation for future strategic decision-making in the management of Islamic banking funds and financing. This research is expected to make a positive contribution to the understanding of the development of Islamic banking and sustainable Islamic banking practices.

The influence of social factors on interest in using Islamic financial services is an important topic in the banking industry. Social factors such as reference groups, family, role, and status have a significant influence on purchasing decisions at Islamic banks. This study uses qualitative research methods to understand the social dynamics that influence people's interest in using Islamic financial services. The results show that social factors, including social environment and Islamic financial literacy, influence people's interest in using Islamic financial services. Therefore, Islamic banks need to pay attention to social factors in designing marketing strategies and services in order to meet the needs and desires of the community. The suggestion is to conduct market research to identify the needs and preferences of the community regarding Islamic financial products and services.

This article discusses the development of sharia banking in Indonesia, with a focus on the financial performance of PT Bank Syariah Indonesia. After experiencing the financial crisis in 1998 and the global crisis in 2008, Islamic banks continued to exist and showed resilience to the impact of the crisis. In 2015, the government plans to merge three state-owned sharia banks to increase efficiency and encourage sharia economic growth. The purpose of this article is to evaluate the financial performance of Bank Syariah Indonesia based on profitability, liquidity and solvency ratios. The research method uses a quantitative descriptive approach with data analysis from Bank Syariah Indonesia's financial reports for the 2021-2022 period. The research results show good financial performance, with profitability, liquidity and solvency ratios entering the good to very good category. This article contributes to understanding the contribution of Islamic banks to the national economy through financial performance evaluation.