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Kusnendi
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Economics, Econometrics & Finance

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THE EFFECT OF RELIGIUSITY MODERATION ON THE EFFECT OF INCOME ON MUSLIM HOUSEHOLD CONSUMPTION EXPENDITURE Bayu Ananda Putra; Kusnendi; Aas Nusrasyiah
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 1 (2020): Jurnal Ekspansi Mei 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i1.1929

Abstract

Abstract : Islam regulates one's consumption to stay in the right corridor, such as not wasteful and also pay attention to social values. A good Muslim must be able to distinguish between needs and desires. But today, in reality, there are still many people who live consumptive and hedonism. This study aims to determine the effect of income on Muslim household consumption expenditure and the extent to which religiosity can moderate that influence. The population in this study were housewives in majelis taklim in Sukasari District. The sampling technique is purposive sampling-judgment sampling with a sample size of 97 respondents. The method used in this research is explanatory method with a quantitative approach. Data collection techniques using primary data through interviews and questionnaires to housewives in the Sukasari District taklim assembly. The data analysis technique used is the Moderated Regression Analysis method. The results showed that income significantly affected the consumption expenditure of Muslim households, and the level of religiosity significantly moderated the effect of income on Muslim household consumption expenditure. Keywords: Muslim Household Consumption Expenditure, Income, Religiosity
Analisis Islamic Corporate Governance dan Islamic Intellectual Capital terhadap Profitabilitas BUS di Indonesia Hani Anisa Rinjani; Kusnendi; Cakhyaneu, Aneu
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 3 (2022): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (692.263 KB) | DOI: 10.26740/jekobi.v5n3.p1-14

Abstract

The development of the profitability of Islamic banks is still lower than that of conventional banks, so it is necessary to identify related strategies that must be applied to increase profitability, especially profits from asset management. This study aims to analyze the effect of Islamic Corporate Governance and Islamic Intellectual Capital on the Profitability of Islamic Commercial Banks in Indonesia. The population in this study includes all Islamic Commercial Banks in Indonesia. The sample used consists of eleven Islamic Commercial Banks in Indonesia for the 2016-2020 period. The research method used is quantitative with a descriptive causality research design. The data analysis technique in this study is the panel data regression method. The results of this study indicate that Islamic Corporate Governance has a negative effect on the profitability of Islamic Commercial Banks in Indonesia. Furthermore, Islamic Intellectual Capital has a significant positive effect on the profitability of Islamic Commercial Banks in Indonesia. This study implies that Islamic banking in carrying out its operational performance needs to pay attention to the quality of human resources, capital and systems including supporting technology and work culture that is applied as an effort to increase profitability.
ANALISIS PEMBIAYAAN KPR SYARIAH DI INDONESIA DAN MALAYSIA Apriliansyah, Fikry; Kusnendi; Cakhyaneu, Aneu
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 16 No 1 (2024)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v16i1.5545

Abstract

Islamic mortgage is a customer financing product for purchasing homes. Islamic mortgage can be conducted using three contracts: murabahah, MMQ, and tawarruq. There was a phenomenon of declining growth in Shariah-compliant home financing in Indonesia and Malaysia in 2019 and 2020. This study aims to examine the influence of interest rates, Financing to Deposit Ratio (FDR), and bank size on Shariah-compliant home financing in Shariah Commercial Banks in Indonesia and Malaysia from 2016 to 2020. The subjects of this study are the Shariah Commercial Banks in Indonesia and Malaysia. The research methods used are descriptive and comparative. The population of the study consists of 30 Shariah Commercial Banks in Indonesia and Malaysia. Data collection methods are conducted through literature review and documentation. The sample size for this study is 13 banks. The statistical analysis technique used is panel data regression analysis and t-test. The dependent variable in this study is the total amount of Islamic mortgage, while the independent variables are interest rates, Financing to Deposit Ratio (FDR), and bank size. The results of the descriptive analysis show that Islamic mortgage in Indonesia and Malaysia from 2016 to 2020 tends to increase, interest rates tend to fluctuate, Financing to Deposit Ratio (FDR) tends to decrease, and bank size tends to increase. Furthermore, bank size has a positive effect on Shariah-compliant home financing. However, interest rates and Financing to Deposit Ratio (FDR) do not have an effect on Shariah-compliant home financing. Additionally, there is a significant difference in Islamic mortgage in Shariah Commercial Banks between Indonesia and Malaysia. The implication of this study is that bank size plays an important role in Shariah-compliant home financing in Indonesia and Malaysia.
Co-Authors Aas Nusrasyiah Apriliansyah, Fikry Bayu Ananda Putra Cakhyaneu, Aneu Hani Anisa Rinjani