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All Journal Jurnal Ekonomi Syariah Pelita Bangsa Gunung Djati Conference Series
Deni Kamaludin Yusup
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Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Other

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Harta Dalam Perspektif Fiqh Perbandingan Suryaman, Maman; Deni Kamaludin Yusup; Dedah Jubaedah
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 01 (2024): JESPB Edisi April 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v9i01.1140

Abstract

Riset ini bertujuan untuk mempelajari bagaimana konsep harta dalam pandangan islam. Harta dalam Islam bukan hanya sekadar alat tukar atau sarana memenuhi kebutuhan hidup, tetapi juga memiliki dimensi spiritual, sosial, dan etis yang harus dipahami dan diimplementasikan oleh umat Islam. Penelitian ini bersifat kualitatif dimana studi kepustakaan digunakan sebagai pendekatan penelitian. Hasil dalam penelitian ini didapatkan bahwa terdapat perbedaan mengenai esensi harta. Jumhur ulama mengatakan, bahwa harta tidak saja bersifat materi, tetapi juga termasuk manfaat dari suatu benda, karena yang dimaksud adalah manfaat, bukan zatnya (bendanya). Sedangkan menurut Hanafiyah bahwa harta mesti dapat disimpan, maka sesuatu yang tidak dapat disimpan tidak dapat disebut harta, maka manfaat menurut Hanafiyah tidak termasuk harta, tetapi manfaat termasuk milik
FACTORS INFLUENCING CUSTOMER DECISIONS IN MORTGAGE FINANCING iB: A PERSPECTIVE ANALYSIS OF SHARIA ECONOMIC LAW Sholikul Hadi; Ija Suntana; Deni Kamaludin Yusup; Eri Novari
Gunung Djati Conference Series Vol. 56 (2025): Seminar Nasional Ekonomi dan Bisnis Islam
Publisher : UIN Sunan Gunung Djati Bandung

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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.
Co-Authors Dedah Jubaedah Eri Novari Ija Suntana Maman Suryaman Sholikul Hadi