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All Journal Jurnal Akta RESLAJ: Religion Education Social Laa Roiba Journal
Ija Suntana
UIN Sunan Gunung Djati Bandung, Indonesia
Religion Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Factors Influencing Customer Decisions in Mortgage Financing Ib: A Perspective Analysis of Sharia Economic Law Sholikul Hadi; Ija Suntana; Deni Kamaludin Yusup; Eri Novari
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 5 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i5.11907

Abstract

Islamic mortgage financing (KPR iB) is one of the flagship products of Islamic banking in Indonesia, designed to facilitate home ownership in accordance with Sharia principles. However, customer participation in KPR iB remains suboptimal compared to conventional mortgage products. This study aims to examine the factors influencing customer decisions in choosing KPR iB, particularly from the perspective of Islamic Economic Law. The study specifically analyzes: (1) the influence of Sharia compliance, product innovation diffusion, promotion, and product quality on customer decisions to choose KPR iB in Bogor; and (2) the mediating role of customer decisions in the relationship between those variables and the increase of Islamic bank market share. This research employs a Mixed Methods approach, with an Explanatory Sequential Design combining quantitative and qualitative analyses. The theoretical framework includes Rational Choice Theory (Gary Becker) as the Grand Theory, Islamic Consumer Behavior Theory (Umer Chapra) as the Middle Theory, and Sharia Compliance Theory (Monzer Kahf) as the Application Theory. Data were collected through questionnaires, observations, interviews, and document analysis. The data were analyzed using Structural Equation Modeling (SEM) with SmartPLS 3.0. The findings indicate that: (1) Sharia compliance does not significantly influence customer decisions; (2) product innovation, promotion, and product quality have a significant positive effect on customer decisions; and (3) customer decision does not mediate the relationship between Sharia compliance and market share, but effectively mediates the impact of product innovation, promotion, and product quality on increasing Islamic bank market share.
The Urgency of Sharia Notarial Practice in Indonesia: Islamic Law Critique of Law No. 2 of 2014 on Notary Position and Its Contribution to Sharia Economic Law Ustad Adil; Ija Suntana; Siah Khosyi'ah; Uu Nurul Huda
JURNAL AKTA Vol 13, No 2 (2026): June 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i2.51407

Abstract

This study aims to explore the urgency of Sharia notary law in Indonesia, as well as critique Islamic law regarding Law No. 2 of 2014 concerning the Notary Public and its contribution to Sharia economic law. This research method uses a descriptive analytical approach with a normative juridical approach by analyzing applicable laws and regulations and relevant Islamic legal principles. The results indicate that Law No. 2 of 2014 does not fully accommodate provisions regarding notary law in the context of Sharia economic transactions, such as Sharia contracts, which must be fair and certain. This points to the urgent need to integrate elements of Islamic law into notary law to provide greater legal certainty for Sharia economic transactions. This study also reveals the importance of Sharia notary law from a philosophical, juridical, sociological, and practical perspective. This study then recommends that the Notary Law be revised to incorporate provisions in accordance with Sharia principles, thereby strengthening the legal infrastructure of Sharia economics in Indonesia.
Co-Authors Deni Kamaludin Yusup Eri Novari Sholikul Hadi Siah Khosyi'ah Ustad Adil Uu Nurul Huda, Uu Nurul