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All Journal EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Indonesian Financial Review
Adi Martono
University of Pamulang
Economics, Econometrics & Finance

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IS ISLAMIC BANKING RIBA FREE ? (CASE STUDY : MURABAHA CONTRACT) Adi Martono
EAJ (Economic and Accounting Journal) Vol 1, No 1 (2018): EAJ (Economic and Accounting Journal)
Publisher : S1 Accounting Department, Faculty of Economic, Universitas Pamulang.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1258.356 KB) | DOI: 10.32493/eaj.v1i1.y2018.p11-23

Abstract

Islamic banks is established to provide solutions on the need for transactions and financing facilities to the Moslem who want to avoid riba and gharar. From the previous researches, author obtains facts and conditions : 1) Moslem people think Islamic banks still implement contract and transaction contain riba or they do not comply with Holy Qur’an and Sunnah of Prophet. 2) In executing murabaha contract, Islamic banks under study have not possessed or controled the goods before they sells it to the customer. To find out how and why those facts and conditions happen in Islamic bank, author uses case study as research methodology. After after analyzing the implementation of murabaha contract from previous researches and comparing it to the sharia standards, authorfound there are gaps between the murabaha contract that has been implemented in several Islamic bank and in sharia standard. In this case, author uses sharia standard issued by Accounting and Auditing Organization for Islamic Financial Institution (AAOIFI). Those gaps are implementation of wakalah contract, possession of goods and implementation of murabaha contract. Islamic bank should improve the process or mechanism of those contract. The conclusion is because lack of understanding about that Islamic banks have to improve the process of Murabaha contract, such as the process of acquisition of goods so the process refers to the Holy Qur’an and the Sunnah of Prophet.
Behavioral Analysis of Consumer Economic Decision-Making Based on Price and Location: Evidence from K-Means Clustering in the Restaurant Sector Adi Martono; Sapta Rini Oktaviani
Indonesian Financial Review Vol. 5 No. 2 (2025)
Publisher : Yayasan Pendidikan Penelitian dan Pengabdian Al-amsi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55538/ifr.v5i2.125

Abstract

This study examines how price and location are perceived across heterogeneous consumer segments in a traditional restaurant setting, using Pondok Gudeg Rini in Depok as a case study. Moving beyond regression-based causal models, the research employs a data-driven K-Means clustering approach to identify distinct behavioral decision patterns. A quantitative descriptive design was applied, using survey data from 100 respondents collected through structured questionnaires and analyzed with SPSS. The clustering analysis reveals three behavioral segments: (1) consumers with high price tolerance and strong decision engagement, (2) value-oriented consumers with moderate evaluations, and (3) highly price-sensitive consumers with lower decision engagement. One-way ANOVA results (p < 0.05) confirm statistically significant differences among the clusters. Rather than assuming homogeneous rational responses, the findings highlight the heterogeneity of economic decision profiles and demonstrate the relevance of clustering techniques for capturing behavioral segmentation in micro-level economic contexts.
Co-Authors Sapta Rini Oktaviani