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Journal : Islamic Ecomonics Journal

Indikator Perilaku Konsumen Dalam Memenuhi Kebutuhan Primer (Studi Maslahah Imam Al-Gazali Kitab Al Mustasfa Min ‘Ilm Ushul) Miftahul Huda
Islamic Economics Journal Vol 3, No 2 (2017)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (377.382 KB) | DOI: 10.21111/iej.v3i2.2719

Abstract

Consumer behavior is a human attitude in utilizing its income in meeting the needs, both individually and socially. The problem of human economy in the perspective of Islam is the fulfillment of need with Natural Resources (SDA), with the concept of maslahah is expected to assist in fulfilling the welfare of human life present. Imam Al-Ghazali has previously introduced the concept of social welfare function, in which we are required to distinguish the needs of dharuriyyat, hajiyyat, and tahsiniyyat is a matter which must Observed, lest we be wrong in determining the category level tesebut. Introduction in meeting the needs of priority scale has been introduced since the first although not yet reviewed in detail. The application al-ushul al-khamsah in meeting human needs has been facilitated by its development to date. The universal value that belongs to its own value in guarding the behavior of a consumer to become an Islamic Man.
The Effect of Macroeconomic Variables on the Profitability of Islamic Commercial Banks in Indonesia Huda, Miftahul; Rofiqo, Azidni; Abdul Razak, Abdurrizqi Bin; Nabila, Fikriyyatun
Islamic Economics Journal Vol. 10 No. 2 (2024)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i2.11759

Abstract

Islamic banks as a form of banking that operates based on sharia principles, are expected to show superior financial performance when compared to interest-based conventional banks. This study aims to determine the effect of inflation, JUB, and PUAS on the profitability of Indonesian Islamic Commercial Banks. The method used in this research is a deductive quantitative method, with the Vector Autoregressive (VAR) Vector Error Correction Model (VECM) approach and the E-Views 12 test tool. The data used in this study used secondary data with time series data from the period January 2013 to April 2023, where ROA was used as an independent variable and Inflation, Money Supply, and Islamic Interbank Money Market became the dependent variable. As for the results of this study, in the long term, the variables of Inflation and JUB have a significant and negative effect on the Return on Assets (ROA) of Indonesian Islamic Commercial Banks, while the Islamic Interbank Money Market (PUAS) variable does not have a significant and negative effect on the Return on Assets (ROA) of Indonesian Islamic Commercial Banks. In the short term, the variables of Inflation, Money Supply (JUB), and the Islamic Interbank Money Market (PUAS) do not have a significant and negative influence on the Return on Assets (ROA) of Indonesian Islamic Commercial Banks.