Measurement instrument (QBL and financial performance)
| Construct/dimension | Measurement items |
|---|---|
| Prosperity (Self and wealth) | |
| SE1 | Islamic banks offer viable and competitive return |
| SE2 | Islamic banks collect and distribute zakat |
| SE3 | Islamic banks offer equal working opportunity |
| SE4 | Islamic banks provide written statements for financing |
| SE5 | Islamic banking reduces stress by avoiding riba |
| WE6 | Deposits are guaranteed by regulator |
| WE7 | Islamic banks reach rural areas |
| WE8 | Islamic banks create employment opportunities |
| WE9 | Islamic banks accept social collateral |
| WE10 | Islamic banks support community projects |
| WE11 | Islamic banks contribute to poverty alleviation |
| People (Intellect and posterity) | |
| IN12 | Islamic banks provide education and training |
| IN13 | Islamic banks spread awareness of products |
| IN14 | Islamic banks support community education |
| IN15 | Islamic banks reward creative work |
| PO16 | Islamic banks finance excluded groups |
| PO17 | Islamic banks support employee health |
| PO18 | Islamic banks offer hardship financing |
| PO19 | Islamic banks support deprived areas |
| Planet (Environmental) | |
| EN20 | Islamic banks have environmental policies |
| EN21 | Islamic banks reduce ecological footprint |
| EN22 | Islamic banks promote green financing |
| EN23 | Islamic banks raise environmental awareness |
| EN24 | Islamic banks assess environmental risks |
| EN25 | Islamic banks finance eco-friendly firms |
| Prophet (Faith/dīn) | |
| PR26 | Islamic banks provide facilities for worship |
| PR27 | Islamic banks promote religious/social activities |
| PR28 | Motivation is barakah not profit |
| PR29 | Islamic banks disclose haram transactions |
| PR30 | Islamic banks provide qard al-hasan |
| PR31 | Islamic banks operate under Shariah supervision |
| Financial performance | |
| FIN38 | Islamic banks have sufficient funds |
| FIN39 | Financing supports businesses |
| FIN40 | Financing improves operations |
| FIN41 | Qard al-hasan reduces burden |
| FIN42 | Bank officers are trustworthy |
| FIN43 | Banks increase profit-sharing |
| Construct/dimension | Measurement items |
|---|---|
| SE1 | Islamic banks offer viable and competitive return |
| SE2 | Islamic banks collect and distribute zakat |
| SE3 | Islamic banks offer equal working opportunity |
| SE4 | Islamic banks provide written statements for financing |
| SE5 | Islamic banking reduces stress by avoiding riba |
| WE6 | Deposits are guaranteed by regulator |
| WE7 | Islamic banks reach rural areas |
| WE8 | Islamic banks create employment opportunities |
| WE9 | Islamic banks accept social collateral |
| WE10 | Islamic banks support community projects |
| WE11 | Islamic banks contribute to poverty alleviation |
| IN12 | Islamic banks provide education and training |
| IN13 | Islamic banks spread awareness of products |
| IN14 | Islamic banks support community education |
| IN15 | Islamic banks reward creative work |
| PO16 | Islamic banks finance excluded groups |
| PO17 | Islamic banks support employee health |
| PO18 | Islamic banks offer hardship financing |
| PO19 | Islamic banks support deprived areas |
| EN20 | Islamic banks have environmental policies |
| EN21 | Islamic banks reduce ecological footprint |
| EN22 | Islamic banks promote green financing |
| EN23 | Islamic banks raise environmental awareness |
| EN24 | Islamic banks assess environmental risks |
| EN25 | Islamic banks finance eco-friendly firms |
| PR26 | Islamic banks provide facilities for worship |
| PR27 | Islamic banks promote religious/social activities |
| PR28 | Motivation is barakah not profit |
| PR29 | Islamic banks disclose haram transactions |
| PR30 | Islamic banks provide qard al-hasan |
| PR31 | Islamic banks operate under Shariah supervision |
| FIN38 | Islamic banks have sufficient funds |
| FIN39 | Financing supports businesses |
| FIN40 | Financing improves operations |
| FIN41 | Qard al-hasan reduces burden |
| FIN42 | Bank officers are trustworthy |
| FIN43 | Banks increase profit-sharing |
Note(s): Scale: 1 = Strongly disagree | 5 = Strongly agree
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