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All Journal Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Manajemen Kesatuan
Ahmad, Fadzila Azni
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Economics, Econometrics & Finance Social Sciences

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SHORT-RUN AND LONG-RUN RELATIONSHIP OF ISLAMIC HOME FINANCING IN MALAYSIA: ANALYSIS ON ISLAMIC BANKS Idris, Siti Maryam; Bahari, Zakaria; Ahmad, Fadzila Azni
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 8 No. 2 (2022): JULY - DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i2.37530

Abstract

Islamic home financing is a service offered by Islamic banks according to the Islamic principle. In Malaysia, it has been offered since the early 1980s. The demand for Islamic home financing in Malaysia has increased over time. Therefore, this study would like to delve into the short-run and long-run relationship between the factors involved in Islamic home financing. Past studies highlighted the microeconomic factors and macroeconomic factors in Islamic banks that contribute to the growth of Islamic home financing in Malaysia. Thus, this study would include four factors comprised of deposits, liabilities, GDP, and government expenditure. Deposits and liabilities are categorized into microeconomic factors, whereas GDP and government expenditure are macroeconomic factors. The first objective is to identify the short-run and long-run relationship between the factors mentioned above on Islamic home financing in Malaysia. The second objective is to analyze the causality effects of the factors on Islamic home financing in Malaysia. The methodology comprises of quantitative research design. Data collection is based on secondary data collection, which was retrieved through documentation review and statistical highlights from Bank Negara Malaysia. The data comprise the first quarter of 2010 until the second quarter of 2021. Analysis data is conducted through an econometric approach within time series data which is the ARDL test and Granger causality test. The findings of this study would emphasize the importance of microeconomic factors and macroeconomic factors on Islamic home financing. It would encourage the supply and growth of Islamic home financing by Islamic banks in Malaysia in the future.
The Effect of Financial Literacy and Religiosity on Investment Decisions in the Stock Market Anita, Siska Yuli; Ahmad, Fadzila Azni
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4871

Abstract

Financial literacy is vital for the millennial generation of investors to manage personal finances effectively and secure long-term economic stability. This study investigates the effect of financial literacy and religiosity on the investment decision in the stock market of the millennial generation in Bandar Lampung City. Using a quantitative descriptive approach, 96 millennial generation investors were selected through purposive sampling, and data were collected via questionnaires. SmartPLS 4 was employed to test validity, reliability, and hypotheses. Results indicate that both financial literacy and religiosity significantly influence investment decisions on the stock market. Financial literacy contributes 65.2% (p = 0.002 < 0.05), while religiosity shows a stronger effect of 63.9% (p = 0.001 < 0.05). Together, the two variables explain 65.2% of the variance in stock market investment decisions among the millennial generation, indicating a strong explanatory power of the research model. These findings suggest that while financial literacy enhances investors’ technical ability to evaluate and manage investments, religiosity plays a crucial role in shaping ethical considerations, risk awareness, and long-term investment orientation. The study highlights the importance of integrating financial literacy and religiosity for more rational, ethical, and sustainable investment behavior among millennial investors, particularly in Indonesian stock markets.
Co-Authors Idris, Siti Maryam Siska Yuli Anita Zakaria Bahari