Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Welfare State Jurnal Hukum RESLAJ: Religion Education Social Laa Roiba Journal
Deni Kamaludin Yusup
UIN Sunan Gunung Djati Bandung, Indonesia
Religion Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
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.
Pengaturan Hukum Penambahan Penyertaan Modal Negara ke dalam Lembaga Pengelola Investasi Menurut Peraturan Pemerintah Nomor 111 Tahun 2021 Muhammad Abdi Dermawan; Ransya Ayu Zulvia; Deni Kamaludin Yusup
WELFARE STATE Jurnal Hukum Vol. 5 No. 1 (2026): April
Publisher : Prodi Ilmu Hukum Fakultas Hukum Universitas Islam Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/welfarestate.v5i1.5031

Abstract

  The addition of State Capital Participation (PMN) into the Investment Management Agency (LPI) under Government Regulation Number 111 of 2021 represents a strategic legal policy aimed at strengthening Indonesia’s investment capacity and the capital structure of its sovereign investment institution. This study employs a normative juridical approach by analyzing statutory regulations, legal doctrines, and relevant academic literature to examine the legal framework, conceptual implications, and economic law perspective of PMN within LPI governance.The findings indicate that PMN affirms LPI’s status as a sui generis legal entity operating under private (civil law) principles while managing assets derived from state finances, thereby creating a normative tension between state financial law principles—such as transparency, accountability, and public oversight—and the flexibility of investment management practices. Although the policy enhances    the state’s ability to consolidate strategic assets, attract investment, and accelerate economic development, LPI’s legal privileges, including immunity from asset seizure and limited direct supervision by the Audit Board of Indonesia (BPK), pose risks to fiscal control and public accountability. From an economic law perspective, the policy is justifiable as maslahah only if implemented in line with principles of justice, trustworthiness, and public benefit, thus requiring strengthened governance and oversight mechanisms.
Co-Authors Eri Novari Ija Suntana Muhammad Abdi Dermawan Ransya Ayu Zulvia Sholikul Hadi