Design and Validation of a Model of the Consequences of the Credibility of Sharia Resolutions in Afghanistan’s Islamic Banking System
Keywords:
Credibility of Shariah approvals, outcomes, Islamic banking, AfghanistanAbstract
Objective: This study aimed to design and validate a model of the consequences of the credibility of Sharia resolutions in Afghanistan’s Islamic banking system.
Methodology: This applied quantitative study used a descriptive-survey design. The statistical population consisted of Islamic banking experts, bank managers and specialists in Afghanistan, university academics, and professionals familiar with Islamic jurisprudence, Islamic economics, and banking policy. A purposive sample of 50 qualified experts participated in the study. Data were collected using a researcher-made questionnaire based on a five-point Likert scale. Content validity was assessed by academic and professional experts, while construct validity was examined through exploratory factor analysis, convergent validity indices, and the Fornell–Larcker criterion. Reliability was confirmed using Cronbach’s alpha, rho_A, and composite reliability. Data analysis was conducted using SPSS version 26 and SmartPLS version 3. Partial least squares structural equation modeling was applied, and the significance of path coefficients was tested through bootstrapping with 5,000 resamples.
Findings: The inferential results confirmed the strong explanatory and predictive capacity of the proposed model. The overall goodness-of-fit index was excellent (GOF = 0.832). The coefficient of determination was strong for the credibility of Sharia resolutions (R² = 0.826) and consequences (R² = 0.818), indicating that the model explained a substantial proportion of variance in the endogenous constructs. The strongest structural path was from the credibility of Sharia resolutions to consequences, with a path coefficient of 0.904 and a t-value of 30.823. The path from intervening conditions to the credibility of Sharia resolutions was also significant, with a coefficient of 0.515. However, the direct paths from causal and contextual conditions to the credibility of Sharia resolutions were not significant.
Conclusion: Strengthening the credibility of Sharia resolutions can directly enhance stakeholder trust, promote sustainable Islamic banking, improve financial performance and stability, and reinforce the social and religious legitimacy of Afghanistan’s banking system.
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Copyright (c) 2025 Sayed Hujjatullah Najeeh, Mohammad Reza Rabiee Mandejin, Vahid Araei, Mandan Momeni (Author)
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