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All Journal EKSPANSI Journal of Applied Islamic Economics and Finance
Fransiska, Alda Tri
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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URBAN MUSLIM HOUSEHOLDS: HOW SHARIA CONSUMPTION LOYALTY AND SHARIA FINANCIAL LITERACY SHAPE LIFE SATISFACTION Setiawan, Setiawan; Fransiska, Alda Tri; Pebrianti, Gita Nuralipah; Pakpahan, Rosma; Susana, Lina Marlina
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 17 No 1 (2025)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v17i1.6535

Abstract

This study aims to analyze the influence of loyalty in Sharia-compliant consumption patterns and sharia financial literacy on the life satisfaction of urban Muslim households in the Greater Bandung area. A quantitative approach was employed, using a survey method through online questionnaires distributed to 160 Muslim households with experience or knowledge related to Sharia-based consumption and finance. The sampling technique used was purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM), which is suitable for complex structural models with moderate sample sizes and non-normally distributed data. The results indicate that both loyalty in Sharia-compliant consumption and sharia financial literacy have a positive and significant effect on the life satisfaction of urban households. These findings highlight the critical role of religious values and Sharia-based financial management capabilities as determinants of subjective well-being among urban Muslim families.
Financial Performance Analysis of Islamic Commercial Banks in Indonesia Using the Sharia Conformity and Profitability (SCnP) Method during the 2019–2023 Period Fransiska, Alda Tri; Nurdin, Ade Ali; Setiawan, Setiawan; Nuryati, Neneng
Journal of Applied Islamic Economics and Finance Vol. 6 No. 1 (2025): Journal of Applied Islamic Economics and Finance (Oktober 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v6i1.6774

Abstract

As Islamic banking develops in Indonesia, its sharia compliance needs to be measured. This study aims to determine the financial performance of Islamic commercial banks in Indonesia using the Sharia Conformity and Profitability (SCNP) model. The financial performance of Islamic commercial banks is measured using the ratios in the Sharia Conformity and Profitability (SCNP) model, including Islamic Investment, Islamic Income, Profit Sharing Ratio, Return on Assets (ROA), Return on Equity, and Net Profit Margin (NPM). The data collection technique used is the documentation technique, in this study the author uses the Annual Financial Report document or Annual Report published on the official website of each Islamic Commercial Bank. The number of samples is 7 Islamic Commercial Banks in Indonesia. Data will be processed using Microsoft Excel. The method used in this study is quantitative research with a descriptive approach. The results of the study have been conducted using the Sharia Conformity method with four quadrants, namely the Upper Right Quadrant (URQ), Lower Right Quadrant (LRQ), and Upper Left Quadrant (ULQ).
Co-Authors Nurdin, Ade Ali Nuryati, Neneng Pakpahan, Rosma Pebrianti, Gita Nuralipah Setiawan Setiawan Susana, Lina Marlina