An assessment on Islamic banking ethics through some salient points in the prophetic tradition

Indonesia is experiencing a stable and rapid Islamic economy process since the emergence of Islamic banking. Asides from the development, some scholars argued that Islamic banking does not completely comply with primary Islamic obligations, such as ethics. The use of sharia banking is preferred in Indonesia, even though it only upholds one foundation in Islamic teaching. Therefore, it is imperative to present Islamic banking's ethical foundations with strong support from early teachings and test it empirically. This research presents several original concepts of Islamic ethics in the form of prophetic messages and teaching of Muhammad (peace be upon him), namely Iman (faith), Niyyah (intention), Amanah (trust), and 'Adalah (justice). The confirmatory composite analysis (CCA) was used to assess the four terms to 411 Islamic banking employees in the Indonesian context. The result showed that salient points in measuring employee ethics need to be ethical in all circumstances. This movement tends to positively provide a multiplier effect in the banking management and potentially serve as the educational function to the communities.