Annual International Conference on Islamic Economic and Finance (AICIEF)

Financial Inclusion and Sharia Banking Performance in Indonesia

Mon, 10 Aug 2026 00:00:00 +0800

This study aims to examine the impact of financial inclusion indicators on the performance of Islamic banking in Indonesia. Financial inclusion is measured through the number of Islamic bank service offices and the number of Islamic bank ATMs, while Islamic banking performance is represented by Third-Party Funds, Islamic Financing, and Return on Assets (ROA). All variables are treated as endogenous within the Vector Autoregression (VAR) framework. The data were obtained from secondary sources, primarily the Islamic Banking Statistics published by the Financial Services Authority (Otoritas Jasa Keuangan/OJK), covering the period 2020–2024. This period was chosen to capture the development of Islamic banking amid economic uncertainty and Indonesia’s post-pandemic economic recovery. The findings reveal that financial inclusion has a significant short-term impact on the performance of Islamic banking in Indonesia, whereas its long-term influence is not statistically significant. These results suggest that the rapid advancement of non-cash payment systems and financial technologies has reshaped the relationship between financial inclusion and Islamic banking performance.

Analysis of Factors Influencing Consumer Purchase Decisions on HNI-HPAI Herbal Products in Samarinda

Agus Rahmad Darlin, Nurul Fadhilah, Irma Yuliani — Mon, 10 Aug 2026 00:00:00 +0800

The growth of the herbal industry in Indonesia has driven increased consumer interest in halal products, including HNI-HPAI, which are certified by MUI. This study aims to analyze the influence of halal labeling, price, and product quality on consumers' purchase decisions of HNI-HPAI herbal products in Samarinda. The study uses a quantitative approach with a survey method through Google Form questionnaires administered to 100 respondents selected using purposive sampling from a population of 8.450 consumers. The data were analyzed using multiple linear regression with t-tests and F-tests. The results indicate that partially, halal labeling and product quality significantly influence purchase decisions, whereas price does not have a significant effect. Simultaneously, the three variables significantly affect purchase decisions with a coefficient of determination of 0.425, meaning that 42.5% of the variation in purchase decisions is explained by these three factors. These findings emphasize the importance of halal label credibility and product quality in building consumer trust and loyalty, while price is not a primary consideration. This study implies that HNI-HPAI companies need to maintain halal standards and product quality as a key strategy to enhance market competitiveness.

Perception of Islamic Banking Students Toward Recruitment Pratices in Islamic Banks

Mon, 10 Aug 2026 00:00:00 +0800

The Islamic banking industry in Indonesia is experiencing rapid growth and has resulted in an increasing need for professional workers who understand the principles and practices of Islamic finance. Qualified human resources are a crucial element in the operational success of Islamic banks because they play a key role in achieving the institution's goals. Students, especially graduates of the Islamic Banking Study Program, have a significant opportunity to play an active role in the development of the Islamic finance industry through direct contributions to Islamic banking institutions. Their involvement is not only interpreted as an effort to obtain employment or income, but also as a form of commitment to help build and strengthen the existence of Islamic banks in Indonesia. This study aims to examine and understand the views of Islamic Banking Study Program students regarding recruitment implementation in Islamic banks, which includes aspects of the system, selection process, and the application of Islamic values within it. Students perceive that recruitment practices in Islamic banks are not only oriented towards technical abilities, but also emphasize aspects of ethics, honesty, and integrity in accordance with Islamic principles. Most students have a positive perception of the recruitment system based on Islamic values, because it is considered capable of creating a fair and blessed work environment. However, they also assessed the need for increased outreach and practical understanding of the recruitment process to better prepare prospective workers for the challenges of Islamic banking. The method used was a qualitative approach with a phenomenological approach, using data collection techniques such as interviews, observation, and documentation. The research results are expected to provide a comprehensive overview of student perceptions and serve as a basis for Islamic banks to strengthen recruitment strategies that align with Islamic values.

Implementation of The National Payment Gateway in Enhanching Transactions in Islamic Banking: A Case study of BSI KCP Bung Tomo

Irda Hasanah — Mon, 10 Aug 2026 00:00:00 +0800

The development of digital payment systems in Indonesia continues to progress, one of which is through the launch of the National Payment Gateway (GPN) by Bank Indonesia. This system was created to integrate various payment methods into a single, efficient, and secure national network. This study focuses on how the GPN system is implemented at Bank Syariah Indonesia (BSI) KCP Bung Tomo and how it supports Sharia-compliant financial transactions. The main objectives are to understand the practical application of GPN, identify the challenges faced during implementation, and evaluate its strengths and weaknesses using a SWOT analysis.

This research uses a qualitative descriptive approach, with data collected through interviews, direct observation, and documentation. Informants include internal bank staff and several active customers. Data analysis was carried out by reducing, presenting, and drawing conclusions from the findings.

The results show that GPN provides real benefits, such as lower administrative fees and easier interbank transactions across the country. However, many customers are still unfamiliar with the system, and it lacks international transaction capabilities. SWOT analysis reveals that GPN's strengths lie in its efficiency and domestic connectivity, while its weaknesses relate to limited global reach. There are opportunities in expanding QRIS usage among SMEs, but threats arise from the growing popularity of e-wallets and fintech platforms. In conclusion, GPN implementation at BSI KCP Bung Tomo is relatively effective, yet improvements in customer education and feature development are needed to meet the demands of today’s digital banking environment.

Analysis of The Readiness of Prospective Human Resources of Islamic Banks in Facing Financial Technology (Fintech) Challenges

Dimas Pratama, Asshifa Kamila, Sania Sania, Fatin Fitani, Yusnidar Desvinawirati — Mon, 10 Aug 2026 00:00:00 +0800

This research aims to analyze the level of readiness of prospective human resources (HR) of Islamic banking in facing the challenges of financial technology (fintech) development in the digital era. The background of this research is based on the increasing role of fintech in the transformation of the Islamic finance industry which requires digital competence, sharia understanding, and adaptive skills of prospective workers. This study uses a descriptive qualitative approach by involving students of the Sharia Banking Study Program, Sultan Aji Muhammad Idris State Islamic University, Sa Marinda as the research subject. Data were obtained through open-ended questionnaires and documentation which were then analyzed using Miles and Huberman's interactive analysis model.

The results of the study show that most students have a good level of awareness and understanding of the concept of fintech and its urgency in the development of the Islamic finance industry. However, readiness in terms of technical skills and practical abilities is still moderate due to the limited number of digital-based learning facilities and the lack of direct training. In terms of attitude and adaptation, students show a positive view of technological innovation, although there are still doubts about the suitability of some fintech models with sharia principles. This research emphasizes the importance of synergy between educational institutions, financial authorities, and the Islamic banking industry in forming competent, adaptive, and integrity human resources in the midst of the digital transformation of the Islamic financial sector.

Career Opportunities in Two Economic Faces: A Qualitative Comparative Study of Sharia Bank Human Resource Absorption in Urban and Rural Areas

Mon, 10 Aug 2026 00:00:00 +0800

The development of the Islamic banking industry in Indonesia is accelerating, but it has not been accompanied by an equitable distribution of the quality and adequacy of human resources in all regions. The gap between urban and rural areas in terms of accessing recruitment process information leads to an imbalance of career opportunities in this sector. This study aims to analyze comparatively the differences in the process of recruitment, qualification, and absorption of human resources in Islamic banking in urban and rural areas. The research method used is a qualitative approach with a type of comparative study, applying analysis techniques related to job recruitment documents in Islamic banks and literature related to human resource management. The results of the study show that the recruitment process in urban areas is more accessible, digital-based, and focuses on workforce competencies. Meanwhile, in rural areas, it still relies on private networks with limited access to information. This situation strengthens the inequality in the quality of human resources and hinders the development of sharia labor in the regions. This research emphasizes the importance of inclusive digitalization, sharia value-based training, and collaboration of local educational institutions to support the equitable distribution of employment opportunities in the Islamic banking sector. These findings contribute to the application of the IHRM concept in the context of economic development based on the principles of social justice and welfare.