Purpose This paper aims to examine loyalty formation, including service quality, perceived value, image and satisfaction as determinants, and their effect on the financial performance of Islamic banks. Design/methodology/approach Data were collected from 280 Islamic bank clients in Indonesia and bank financial performance data from bank financial reports. Variance-based partial least square modelling was used to assess the relationships between loyalty, its determinants and their influence on bank financial performance. Findings This study finds that client loyalty towards Islamic banks is most influenced by perceived service quality and perceived value. Further, this study documents the importance of client loyalty in influencing bank financial performance and indirect effect of clients’ satisfaction on financial performance through the strengthening of client loyalty. Practical implications This study offers a path for the managers of Islamic banks to enhance financial performance by enhancing client loyalty. To develop client loyalty, this study suggests that Islamic banks should offer economical and service-derived benefits that are superior to those other banks offer. Further, Islamic banks need to ensure that their business operations are compatible with Islamic values. Originality/value This is an early empirical study attempting to examine the link between customer loyalty and its impact on Islamic bank financial performance.

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This study aims to explain the reasons behind the bankruptcy of BMT (Baitul Maal Wat Tanwil) PSU Malang with case study approach. The data are collected through documentation and interviews. The interviews are conducted on five informans namely informan A, B, C, D and E. The results show that the bankruptcy of BMT PSU is caused by internal factors and external factors. Internal factors causing bankruptcy of BMT PSU are: unproductive fund management, bad credit (financing), fraud by employees, business loss, too high percentage of profit sharing, lack of good corporate governance (GCG) and weak internal control. Externals include: lack of security guarantees on customers' funds, economic pressures, lack of supervision and guidance from relevant agencies, as well as the onslaught of stronger new competitors. The findings of this research related to the causes of the bankruptcy BMT PSU, is expected to be useful for practitioners and the government in preparing strategies for strengthening BMT in the future.

This research aims to examine the influence of Financial Attitude, Financial Behavior, and Financial Capability on Financial Satisfaction. This research was conducted on workers in Jakarta, Indonesia. The Sampling method used a non-probability sampling of purposive sampling. Data were obtained by spreading online questionnaire through Google questionnaire. The data was processed using SmartPLS 3.0. The result suggested that Financial Attitude, Financial Behavior, and Financial Capability have a positive relationship on Financial Satisfaction.

This study aims to examine the relationship between locus of control, the financial attitudes and income of workforces whom have worked and lived on Jakarta, Indonesia. The object of this researce is Financial Attitudes, Locus of Control, Financial Behaviour, and Income. The sample consisted of 395 respondents were taken through purposive sampling, the data processed using SmartPLS 3.0. This study found that there are positive effect relationship between locus of control, the financial attitudes and Financial Behavior to financial income.