Bank Officials Research Articles

Building Sustainable Competitive Advantage in Banking through Organizational Agility

The fast development of technology in the banking sector has forced a basic review of organizational strategies and structures since banks want to keep ahead of the curve and satisfy the evolving needs of the digital era. This study examines the mediating role of organizational agility in the relationship between transformational leadership and digital transformation on sustainable competitive advantage in the banking sector. The research sample was drawn from a population consisting of head offices, branch offices, and sub-branch offices of regional banks in Indonesia, totaling 185 units. Based on 185 data points collected through surveys distributed to unit leaders, we used PLS-SEM analysis to test the proposed hypotheses. Empirical results indicate that transformational leadership and digital transformation have no significant effect on sustainable competitive advantage. However, organizational agility can significantly mediate this impact on sustainable competitive advantage. The findings underscore the importance of developing agility as an internal factor of organizations that plays a crucial role in achieving sustainable competitive advantage.

Perceived Fairness of Performance Appraisal: Does It Shape Bankers’ Attitudes towards their Job and Organization?

Purpose: The study aimed to assess the effect of perceived fairness of performance appraisal (PA) on bankers’ attitudes, namely job satisfaction, job involvement, work engagement, and organizational commitment. Methodology: The research employed a convenience sampling method to gather data from 207 front-line bank officers working in 10 private commercial banks in Bangladesh. For the analysis of the collected data, the study used statistical tools such as ANOVA, Pearson correlation, and regression, using SPSS version 25. Findings: The study found that fair PA has a significant positive impact on all four types of attitudes. From the control variables (i.e., experience, age, gender, education, and marital status), only education level is found to have a significant negative association with job satisfaction and job involvement. Practical Implications: By highlighting the significance of a fair performance appraisal (PA) system, the study provides insights for bank administrations on improving the positive attitudes of their workforce. This, in turn, may boost bankers’ performance and foster success for the banks as a whole. Originality/Value: In a first-of-its-kind endeavor, the study contributes valuable theoretical insights by exploring the influence of fair PA on diverse types of desirable employee attitudes towards jobs, work, and the organization. Moreover, the study explains the findings in the context of social exchange theory as well as equity theory. Research Limitations: A small sample size, convenience sampling, and cross-sectional self-reported data are the main limitations.

Navigating the shadows: exports and money laundering dynamics in Bangladesh

Purpose This study aims to analyze the complex dynamics of money laundering (ML) in the export sector of developing countries, with a special focus on Bangladesh. It aims to uncover the strategies and tactics money launderers use to exploit export transactions and understand the vulnerabilities that exist in economies where enforcement agencies neglect the export industry. Design/methodology/approach This study examines Bangladesh’s export sector ML using qualitative methods. Customs officers, central bank officers, port authorities and selected exporters were interviewed semi-structured. Document analysis of Bangladesh Bank orders, media and Customs Intelligence and Investigation Directorate reports was also done. Qualitative data patterns were identified using theme analysis. Findings The study identifies the most vulnerable export commodities – readymade garments, agricultural items and processed foods – as prime targets for ML. Key methods of laundering include under-invoicing, over-invoicing, misdeclaration and fake documentation. The research highlights the significant risk posed by the improper use of government financial incentives and introduces the “sample shipment” method as a novel laundering tactic. The findings underscore the need for stronger oversight and controls to mitigate these risks. Research limitations/implications This research is limited by single-point data because ML is a continual activity. The reliance on case studies from newspaper reports and online platforms introduces a degree of selection bias and the chosen instances may not comprehensively represent the broader landscape of trade-based ML. Practical implications The study provides several practical recommendations for policymakers and law enforcement agencies to fortify the export sector against exploitation by money launderers, ensuring greater transparency and accountability in international trade operations. Social implications By closing loopholes in the export sector, the research supports the Sustainable Development Goals, particularly Goal 16.4, which aims to reduce illicit financial flows, thereby contributing to poverty eradication and economic stability in developing countries. Originality/value Original research results supported by technical analysis are presented in this work. It contributes to the body of knowledge by detailing the adaptive strategies of money launderers and proposing targeted recommendations for enhancing the integrity of the export sector.

Artificial Intelligence in the Saudi Arabian Banking Sector: Role in Customer Satisfaction and Its Implementation Challenges

The study aimed to examine the impact of artificial intelligence on customer satisfaction and the challenges Saudi Arabian banks face in implementing this cross-cutting technology. The study used a survey design and collected responses from 100 participants, mainly bank customers and bank officials. The result revealed that artificial intelligence (AI) is positively and significantly correlated with customer satisfaction (CS). This suggests that customer satisfaction tends to rise in tandem with the application of AI in banking. The mediation analysis result showed that Ease of Use only mediates 9.82% of the relationship between AI and CS, and it is not statistically significant (β=0.0607 (95% Cl: -.0246, .146), z=1.39, p=0.163. The study provides practical insights for Saudi Arabian banks, highlighting the need to enhance the adoption of AI to promote customer satisfaction. It also outlines frameworks for minimizing challenges and barriers against the implementation of AI, including promoting data security and customer privacy.

IMPLEMENTATION OF MSMEs CREDIT PROVIDING USING THE 5C METHOD BY PT. BPR BANK BAPAS 69 ON THE KAHYANGAN TOLL TOURIST, WONOLELO VILLAGE, SAWANGAN DISTRICT, MAGELANG DISTRICT

This research aims to describe the obstacles that arise in the implementation of providing MSME credit at the Kahyangan TOL Tourism in Wonolelo Village by PT BPR BANK BAPAS 69 Magelang Regency and to describe the solutions implemented by PT BPR BANK BAPAS 69 Magelang Regency in overcoming these obstacles. It is arising from the implementation of granting MSME credit to the Wonolelo Village Kahyangan Tourism TOL. The method used is the observation method, namely observation by observing directly at the BAPAS 69 Magelang Bank Office. This research is qualitative, data collection methods using observation and interviews. The results of the observations can be stated that the implementation of providing MSME credit at the Kahyangan Toll Tour in Wonolelo village by PT BPR Bank Bapas 69 Magelang Regency, has been by the systems and procedures determined by the Main Director of PT BPR Bank Bapas 69 Magelang Regency. Systems and procedures have been implemented as they should. The systems and methods implemented do not rule out the possibility of future risks regarding the credit disbursed. To minimize credit risk, PT BPR Bank Bapas 69 Magelang Regency has implemented prudential principles through the 5 C.

Banking Performance During the Global Financial Crisis: Empirical Evidence from Bangladesh

Purpose-The Russia-Ukraine conflict and 19 pandemics have severely damaged the world economy. Banking institutions are crucial to the functioning of any economy, and their financial standing is a vital indicator of the economy's stability. Any major development, be it political or economic, has an impact on the banking industry. The dollar rate's volatility and other issues hurt the GDP. Therefore, the study examines banking performance in vulnerable global situations before and during the pandemic. This study utilizes 7 years of panel data to analyze global financial crisis banking performance. Design/methodology- Eight ratios were used to compare the banks' profitability, efficiency, liquidity position, and default risk: return on asset, asset utilization ratio, operational efficiency ratio, debt to asset ratio, loan to deposit ratio, loan to asset ratio, credit risk, and bank size. The descriptive statistics show lower ROA and AUR values for banks, but a lower CR value suggests that pandemic-era borrowers will repay their loans on time. Findings – Due to their reliance on borrowed capital, banks may be more vulnerable to default and financial leverage since they lack the liquidity to meet unforeseen requirements for funds. This is indicated by the higher mean values of DAR, LDR, and LAR. Ratio analysis shows that pre-pandemic banks profited well throughout the pandemic. State-owned banks have a worse position in profitability, efficiency, and default risk but a better position in liquidity in both study periods. Conventional banks placed first in profitability, but Islamishariah-based banks placed first in efficiency, high liquidity risk, and low default risk. Originality –This study will help bank officials find the flaw and prevent it from improving financial performance and recovering from the global crisis. This may assist bank investors and depositors in choosing wisely.

Does Islamic Banking Contribute to Increasing Public Welfare? Evidence from Indonesian Province Panel Data

One of the Sustinable Development Goals (SDGs) targets in Indonesia is to increase the level of public welfare that can be represented in GRDP per capita. Therefore, the purpose of this study is to determine whether Islamic banking through Islamic Commercial Banks (BUS), Islamic Business Units (UUS) and Sharia Rural Banks (BPRS) in 33 provinces in Indonesia, has contributed to GRDP per capita during the 2015-2022 period. GRDP per capita as a proxy indicator for the level of public welfare to encourage the achievement of the sustainable development goals (SDGs) target. This study uses panel data regression analysis because the data is time series and cross section. The size of the Islamic banking contribution uses Islamic Bank Office (IBO), Financing and Third-Party Funds (TPF) variables in 33 provinces in Indonesia. Meanwhile, the size of the welfare level of a region uses Gross Regional Domestic Product (GRDP) per capita data. The findings of this study show that the IBO, financing, and TPF variables simultaneously have a significant positive effect on GRDP. However, partially, the IBO variable has a significant negative effect on GRDP, the financing variable has a significant positive effect on GRDP, and the TPF variable has no effect on GRDP.

Pendampingan Pengelolaan Bank Sampah di Kelurahan Karang Asam Ulu Kota Samarinda : Optimalisasi Manajemen Keuangan dan Pengolahan Sampah

This service activity aims to optimize the management of financial transactions at waste banks by increasing the knowledge of waste bank officers. Apart from that, this activity also seeks to help the community in handling and processing waste into products that are valuable and beneficial for the environment. The method for implementing this activity uses persuasive mentoring and socialization with stages of preparation, socialization, implementation, and evaluation. This activity was attended by 30 participants consisting of family representatives and women who manage the waste bank in Karang Asam Ulu Village. The evaluation instrument for this service activity is in the form of distributing questionnaires and analyzing them descriptively. The results of this service show that the knowledge of the women managing the Ramli "Sylva Lestari" waste bank regarding financial transaction management has increased and they can record transactions correctly. This activity has also succeeded in getting the community to produce bokashi soap and fertilizer from recycled household waste, so it is hoped that it will improve the community's economy.

A STUDY ON FACTORS AFFECTING THE HOME LOAN FINANCING IN SBI BANK

This study aims to identify and analyze the key factors affecting home loan financing in State Bank of India (SBI). By examining the loan application process and the decision-making criteria within the bank, the research seeks to provide insight into the elements that contribute to successful home loan approvals and rejections. Data were collected through a combination of interviews with SBI bank officers, a survey of home loan applicants, and analysis of loan approval records. Factors such as creditworthiness, income stability, loan-to-value ratio, property type, and customer relationship with the bank were examined. The findings suggest that while traditional criteria such as credit score and income remain important, other factors like customer loyalty and the bank's risk appetite play a significant role in determining home loan approval. The study concludes with recommendations for both the bank and future home loan applicants to optimize the loan financing process, including the development of a more nuanced risk assessment model and enhanced customer education initiatives.

ANALISA END USER LICENSE AGREEMENT (EULA) SEBAGAI BENTUK PERJANJIAN BAKU DALAM APLIKASI WON by BWS

The WON by BWS application is a form of digital banking product that allows Customers/Users to access banking services directly (real-time) and without the need for face-to-face interaction at the Bank's office. Banking services provided in the WON by BWS application include account opening, transfers in Indonesian Rupiah and US Dollar (both to accounts within BWS and to accounts in other banks), US Dollar purchases (USD-IDR and IDR-USD), bill payments (e.g., credit cards, electricity, telephone bills, etc.), purchases (e.g., flight tickets, phone credit, internet data, etc.), electronic money top-up (OVO, Gopay, ShopeePay), ATM/Debit Card blocking, and other features. Customers/Users intending to use the WON by BWS application are required to understand and agree to the end user license agreement (EULA) established by the Bank, which is a standard agreement as regulated by the Financial Services Authority. BWS, in drafting a standard agreement, must ensure a balance, fairness, and reasonableness between the Bank and Customers/Users. Based on this, the author intends to analyze the end user license agreement (EULA) of the WON by BWS application, to determine whether the standard agreement provides legal protection for Customers/Users.

The Impact of the Stimulus Packages on the Economy during COVID-19 in Bangladesh: A Mixed-Method Approach

With the unexpected onset of COVID-19, governments across the world responded with a range of preventive measures, including the imposition of lockdowns. To mitigate the adverse effects of lockdowns arising from supply chain shocks and employment loss, governments worldwide chose to implement policies to stimulate their economies and keep them working. This study assesses the impact and effectiveness of four of these packages in Bangladesh, employing a mixed-method approach. These packages include “salary support for workers in export-oriented RMG industries”, “working capital loans for affected industries and service sectors”, “working capital loans for cottage, micro, small, and medium enterprises”, and initiatives for “revitalizing the rural economy and job creation”. Each package was examined individually because of their differences in beneficiary groups, implementation methods, and individual objectives. Quantitative analysis involved propensity score matching (PSM), the difference in difference model (DID), and structural equation modelling (SEM). Stakeholders, including policy implementers, Bangladesh Bank officials, policy analysts, academics, workers, and beneficiaries, contributed to the qualitative analysis through extensive key-informant interviews, providing a comprehensive assessment of intervention outcomes. Ultimately, the results show that the packages achieved their socio-economic relief objectives for beneficiaries. The research examined both positive impacts and challenges in their implementation. It suggests that all four packages successfully achieved their goals, such as providing social and economic support, sustaining livelihoods, addressing marginalized groups’ needs, ensuring survival for large industries and small businesses, and promoting employment. In order to better address future shocks, establishing a beneficiary database integrated with the national system is recommended for smoother policy rollout. Despite acknowledged limitations, including challenges in beneficiary identification, data availability, and time constraints, the study’s unbiased estimations provide valuable insights to guide future policy directions in similar situations.

Impact of Demographic Factors on Financial Inclusion in Pondicherry Union Territory

Financially excluded people are those who do not have any access to the banking services. Financially exclusion can be a broad concept related to a lack of access to a range of financial services or a narrow concept reflecting particular circumstances such as geographical exclusion, exclusion on the grounds that charges and prices are prohibitively high, or exclusion from marketing efforts. The case firm (Indian Bank) wanted to increase the usage of financial facilities under financial inclusion by large number of socially disadvantage people. The entire Pondicherry region was selected for the study as the Indian Bank is the lead bank in that region and 3 per cent of the sample respondents were aware of banking services, followed by 15 per cent of respondents feel that there was improvement in savings and financial management ability.60 per cent of sample respondents responded that their income level had increased to the extent of 500 rupees, followed by 38 per cent of respondents responded that their income level has increased to the range of Rs.500 and Rs.1000 rupees and merely two per cent said their income rose above rupees 1000. Even though all the respondents possessed the no-frill account, it was found that majority were not utilizing it effectively. 60 per cent of sample respondents feel that lack of knowledge as a constraint, followed by 21 per cent and 17 per cent feel that taking insurance through insurance firm was easier and there is no sufficient service from banks as insurance firms respectively. Content of service provided got the maximum score and ranked as first, followed by procedure of availing credit which was ranked second and Other factors were ranked by the respondents in the following order, rate of interest, timeliness of credit availability, treatment of respondents by bank officials and sufficiency of credit.

The Influence of Psychological Capital and Spirituality Leadership on Work Engagement with Work Meaningfulness as a Mediator

This research aims to determine the relationship between Psychological Capital (PsyCap) and Spirituality Leadership on Work Engagement both directly and through the mediation of Work Meaningfulness among Executive Officers (PE) of Sharia People's Financing Banks (BPRS) in Indonesia. The hypothesis proposed in this research is that there is a positive relationship between psychological Capital and Spirituality Leadership on Work Engagement both directly and through the mediation of Work Meaningfulness among the BPRS PEs. The research subjects were 250 PE BPRS in Indonesia, whose minimum experience as an executive officer was 1 year. Determining research subjects used the Purposive Sampling method. Research data collection used measuring instruments in the form of the Work Engagement Scale, Psychological Capital Scale, Spirituality Leadership scale and Work Meaningfulness scale. Structural equation modeling (SEM) with the help of the AMOS 24 application to test the hypothesis that has been proposed and Direct Effect analysis is used to test the hypothesized relationship and the Sobel Test is used to test indirect variables or test mediating variables. The research results show that there is a positive and significant relationship between Psychological Capital and Spirituality Leadership on Work Engagement directly and mediated by the Work Meaningfulness variable among BPRS PEs in Indonesia. The theoretical benefit of this research is that it contributes to the knowledge of industrial and organizational psychology or knowledge about human resources psychology, especially regarding the relationship between Psychological Capital and Spirituality Leadership on Work Engagement, both directly and through the mediation of Work Meaningfulness among BPRS PEs in Indonesia.

An Analysis of Indian Overseas Bank's Case Study on the Conceptual Framework of Lending Technologies for Financing Small and Medium-sized Businesses

This to examine the Indian Overseas Bank’s credit facilities MSMEs with various financing options available and also examine the constraints in credit facilities. The sample respondents was 90, which comprised of seventy-one manufacturing enterprises and nineteen service enterprise respondents. Statistical tools such as Percentage analysis, Chi-square Test, factor analysis was used to analyse the data. The study revealed that, among manufacturing enterprise and service enterprise respondents, majority (67.60 per cent and 57.89 per cent) were small entrepreneurs. in middle age group (37.78 per cent). About 40 per cent were graduates and 78.89 per cent were sole proprietors. There was a significant association between type of business and age group, form of organization and business experience. 98 per cent of respondents were aware about term loan of which 65.90 per cent availed loan. 91 per cent of the respondents were aware of working capital finance of which 70.73 per cent availed loan. Bank officers (67.77 per cent) were main source of information. The source of finance (64.44 per cent) was IOB loan. They were willing to avail loan amount of Rs. 1-10 lakhs for two years. Maximum respondents repaid 25-50 per cent of loan. Difficulties faced by the customers in availing credit facilities were grouped under seven factors. Top five ranks were given to the statements such as; network of bank branches is not good, no wide range of services, non-availability of timely rehabilitation finance, lack of dissemination of information and lack of MSME loan processing centres at key locations. Majority of the respondents suggested for specialized branches of MSMEs (40 per cent).

From Menace to Mundane: Moral Hazard and the Politics of the European Central Bank's Government Bond Purchases

AbstractDuring the Eurozone's sovereign debt crisis, the ideational consensus that shaped the foundation of Economic and Monetary Union (EMU) was destabilized by disagreement on unconventional monetary policies (UMPs), specifically government bond purchases. In the ECB's 2021 strategy review, however, UMPs were confirmed as standard elements of the European Central Bank's (ECB) toolbox. What happened? One argument frequently presented to question the legitimacy of UMPs is that they undermine the prior objective of the EMU of avoiding moral hazard. We analyse the politics of UMPs by focusing upon how top officials in four major Eurozone central banks have discursively constructed the relationship between the ECB's purchase of sovereign debt and moral hazard. We find that top central bank officials aligned to a large degree on the non‐necessary causal relationship between government bond purchases and moral hazard, which reinforced its legitimacy and eventual acceptance as ‘conventional’.

Entrepreneurial financing: how global and regional export intentions affect financial and non-financial choices for small and midsized enterprises in low-income countries

PurposeThe study explores how the intention to export affects financing and non-financing variables for small and medium-sized enterprises (SMEs) in a low-income country (LIC). The objectives of this study are (1) to discern between regional and global exporting and (2) to evaluate its policymaking implications.Design/methodology/approachPrimary survey data were collected from 330 Rwandan SMEs and were analysed using ordered logistic models as an application of the expectation-maximisation iterating algorithm, which was tested for robustness using a sampling model variation.FindingsThe results show that alternative sources of finance are the predominant choice to finance the intention to export within and outside Africa. As the scope of export intentions broadened from regional to global, there was a shift in preferences from less formal to more formal lending technologies, moving from methods like factoring to lines of credit. Moreover, reliance on bank officers became more significant, with increasing marginal effects. Finally, the study determined that government financing schemes were not relevant for SMEs pursuing either regional or global exporting.Practical implicationsWhilst alternative sources of finance predominate the export intentions of Rwandan SMEs, establishing a robust banking relationship becomes crucial for global exporting. Despite this implication, the intention to export should prompt more transparent communication regarding government financial support programmes. There is an opportunity for increased usage of relationship lending to customise support for SMEs involved in exporting, benefiting both the private and public sectors.Originality/valueThis study accentuates how export distance alters SME financing priorities. The results also contribute to understanding how the value of relationship lending changes when less familiar markets (i.e. global exporting) are the objective. Moreover, the study offers a new perspective on how institutional voids affect entrepreneurial financing decisions in LICs.

ATM CRIME PREVENTION USING WIRELESS SENSORS

Security and safety are a necessity for automated teller machines (ATM). The ATM security system is implemented using the Internet of things (IoT) and GPS (global positioning system). The main idea of this project is to develop an ATM surveillance and security system. In this project, when any physical attack against the ATM takes place, then information about the attack is sent using IoT and also alerts the surrounding area using a buzzer, at the same time the entire data from the sensors is sent to the developed mobile application and puts alert message to the bank officials. The officials who have control over the mobile application can control the Door through their mobile to lock from their location remotely. To prevent the escape of the thief chloroform connected to the controller through relay can also be sprayed inside the ATM by the officials remotely from their place using the mobile app. The Camera (ESP32) is used for live video coverage and to monitor the activity inside the ATM. The Camera will not only record the activity but also, transmit will live video taken inside the ATM and the ATM location as latitude and longitude are tracked using GPS. The system is connected to the Blynk mobile application. The sensor and GPS data are read by the microcontroller and these data are sent to the Blynk application. With the help of the Blynk application, the official who has access to it can control the relays and the respective devices connected to the relay to turn it ON or OFF.

Analisis Penerapan Akad Murabahah Di Bank Syariah Indonesia (BSI) KCP Medan Sukaramai

The implementation of the Murabahah agreement at Bank Syariah Indonesia (BSI) KCP Medan Sukaramai is the focus of this research. The aim of the research is to analyze the process of implementing the Murabahah contract, identify the obstacles faced, and initiate efforts to overcome these obstacles. The research method used is a qualitative descriptive method with data collection techniques through in-depth interviews. Respondents consisted of bank managers, bank employees and customers involved in transactions using Murabahah contracts. Data analysis was carried out taking into account relevant sharia principles. The research results show that the implementation of the Murabahah contract at BSI KCP Medan Sukaramai has been carried out carefully and structured in accordance with sharia principles. However, the obstacles faced include a lack of customer understanding of sharia principles as well as differences in understanding between customers and bank officers. Efforts made by banks to overcome these obstacles include increasing education for customers and regular training for bank officers. This research contributes to the understanding of Murabahah contract practices in the sharia banking sector, as well as offering recommendations for banks to increase the effectiveness and efficiency of implementing Murabahah contracts. In addition, it is hoped that this research can provide customers with a better understanding of sharia principles in financial transactions.

The Impact of Government Schemes and Fintech in Financial Inclusion

Access to and use of formal financial services by individuals and enterprises is known as financial inclusion, and it has grown to be a crucial issue in many nations. Various measures have been implemented by governments and financial entities. Programs aimed at improving financial inclusion, especially for the underprivileged and unbanked population. The use of technology to deliver financial services, or fintech, has also come to light as a possible way to improve financial inclusion. The study’s objectives are to determine whether these government programs and fintech are beneficial in promoting financial inclusion, to pinpoint the elements that make them successful or unsuccessful, and to make policy recommendations to maximize their influence. This subject is pertinent given the state of the world economy today, where digital financial services are more crucial than ever—particularly in the wake of the COVID-19 pandemic. The study’s emphasis on the technological components of banking is particularly noteworthy since it is commonly known that FinTech and technology play a major role in advancing financial inclusion. In developing nations with high rates of mobile phone use, mobile banking has become an increasingly potent instrument for promoting financial inclusion. People who reside in distant places without access to physical bank offices will find mobile banking extremely useful as it enables them to access banking services via their phones. Additionally, mobile banking makes it possible for users to do transactions swiftly and efficiently without having to travel far

The Urgency Establishing a Sharia Land Bank To Accelerate Agrarian Reform

Researchers believe that the existence of a Sharia Land Bank in Indonesia which is based on the concepts of al-ilah and al-musawah can accelerate agrarian reform in Indonesia. To ensure this, the researcher presented this research using standard methodological articles in scientific research that are commonly used. This research is a qualitative research with a descriptive approach related to the Land Bank, Agrarian Reform, and the experience of the concepts of al-ilah and al-musawah in the Sharia Land Bank which was initiated by the researcher. The data used in this research is secondary data that researchers obtained from scientific articles, books, statutory regulations, news from credible websites, and other sources that are usually used in every research and are certainly related to Land Banks, Agrarian Reform, and values in Islamic law such as Al-Adalah and Al-Musawah. The data that the researcher managed to obtain was analyzed using the stages of data collection, data selection, data reduction, data presentation, and drawing conclusions. The result in this article show first, The Land Bank functions to collect land, manage land, manage land and provide land to overcome inequality in land ownership and accelerate agrarian reform. The existence of a Land Bank which has an unclear concept and researchers believe could make the Land Bank a weakness in its implementation. Second, The presence of the Sharia Land Bank concept which is a refinement of the Conventional Land Bank concept by upholding the values of al-adadlah (justice) and al-musawah (equality) can be a guide for Land Bank employees, Land Bank Officials and Government officials others in implementing the concepts offered by not distinguishing between one group and another, being honest, and so on which can accelerate agrarian reform.