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INDONESIA
EKSPANSI
Published by Politeknik Negeri Bandung
ISSN : 20855230     EISSN : 25807668     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The Ekspansi journal (Jurnal Ekonomi, Keuangan, Perbankan dan Akuntansi), with registered number ISSN 2085-5230(print) and ISSN 2580-7668 (Online) is a scientific multidisciplinary journal published by Accounting depatment, Politeknik Negeri Bandung. The Ekspansi Journal provides a specialized forum for the publication of research in the area of financial economics and the theory of the firm, placing primary emphasis on the highest quality analytical, empirical, and clinical contributions in the following major areas: Finance, Banking and Accounting. This journal published in Mei and November every year.
Arjuna Subject : -
Articles 6 Documents
 1 
Search results for , issue "Vol 17 No 1 (2025)" : 6 Documents clear
ASEAN ECONOMIC TRANSFORMATION: THE ROLE OF FOREIGN INVESTMENT, HUMAN DEVELOPMENT, AND INFLATION STABILITY IN ECONOMIC GROWTH Harahap, Siska Permata Sari; Siregar, Suci Wulandari; Harahap, Salwa Hayati; Baihaqi, Muhammad Iqbal
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.v17i1.6468

Abstract

Economic growth in the ASEAN region faces complex dynamics influenced by Foreign Direct Investment or (FDI), Human Development Index (HDI), and also Inflation. The aim of this examination and research is to analyze the simultaneous influence of these three variables on economic growth in ASEAN in the 2016-2023 period using the panel data regression method. The results show that FDI has a negative and insignificant impact, indicating that the utilization of foreign investment has not been maximized and has resulted in limited infrastructure and low levels of technology uptake in various ASEAN countries. Furthermore, HDI also provides a negative and insignificant influence, indicating that the quality of Human Resource (HR) has not provided a maximum increase in economic productivity. Meanwhile, inflation has a negative but insignificant effect, consistent with the theory that uncontrolled inflation can create macroeconomic instability and reduce purchasing power.
ENHANCING ISLAMIC BANK PROFITABILITY: EVALUATING THE ROLE OF MUDHARABAH AND MUSYARAKAH FINANCING Lutfianto; Ruhadi; Setiawan, Setiawan
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.v17i1.6520

Abstract

This study aims to analyze the influence of Mudharabah and Musyarakah financing on net profit in Islamic commercial banks registered with the Financial Services Authority (OJK) during the 2014–2023 period. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) as the analytical method. The results show that Mudharabah financing does not have a significant effect on net profit, while Musyarakah financing has a highly significant and positive effect. These findings indicate that Musyarakah is a more effective financing scheme in improving the financial performance of Islamic commercial banks. Therefore, financial management strategies in Islamic banks should place greater emphasis on optimizing the use of Musyarakah financing.
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.
OPTIMALISASI PERAN PEMBIAYAAN MODAL KERJA DALAM PENINGKATAN PEREKONOMIAN MASYARAKAT DESA PRENDUAN : STUDI KASUS BPRS BHAKTI SUMEKAR CABANG PRAGAAN Naili, Amaliyatun; Hidayat, Moh. Helmi; Elina, Riskiana
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.v17i1.6545

Abstract

This study aims to determine how to optimize the role of working capital financing at Bank BPRS Bhakti Sumekar Pragaan Branch in improving the economy of the Prenduan village community and what are the challenges faced by Bank BPRS Bhakti Sumekar Pragaan Branch in optimizing working capital financing for the Prenduan village community. The research method used is descriptive qualitative research. The data sources collected were obtained through observation, interviews and documentation. With data analysis techniques using technical triangulation. The results of the study indicate that optimizing the role of working capital financing at BPRS Pragaan Branch in terms of welfare, access, participation, and control are the main indicators in empowering the community's economy. This is reflected in the implementation of aspects of planning, organizing, movement, and control optimally. However, there are several obstacles, such as late payments by customers, competition with other banks that offer lower interest rates, customer data recorded in the red at the OJK even though they have never had bad debts, and prospective customers who do not yet have a growing business.. Keywords: Optimization, Financing, Working Capital
ANALYSIS OF SIPD IMPLEMENTATION AT THE REGIONAL FINANCIAL AND ASSET MANAGEMENT AGENCY (BPKAD) OF CIMAHI CITY BASED ON HOME AFFAIRS MINISTERIAL REGULATION NO. 70 OF 2019 Utami, Melydian Nur; Afriady, Arif
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.v17i1.6617

Abstract

This study aims to find out how the implementation of SIPD in BPKAD Cimahi City in 2024 is seen from the information system components in the form of software, hardware, procedures, databases, communication networks, and users that have an impact on the realization of transparency and accountability. This study uses a qualitative method with the type of case study research, types and sources of data obtained from SIPD users as the main informant at BPKAD Cimahi City, the data collection techniques used are interviews, observations, and documentation, data validity tests are carried out by triangulation techniques and source triangulation, and data analysis consists of data reduction, data presentation, conclusions drawn, and research recommendations with the help of the NVivo 12 Pro application. The results of the study were obtained that the implementation of SIPD at BPKAD Cimahi City in 2024 has met several components of the information system such as the availability of hardware, communication networks, the suitability of implementation with procedures, and the availability of recovery functions in the database. However, it still needs to be developed on software components and user understanding. Nevertheless, it still realizes increased transparency and accountability.
DRIVERS OF CUSTOMER SATISFACTION IN ISLAMIC MOBILE BANKING: AN ANALYSIS OF SERVICE QUALITY, EASE OF USE, TRUST, AND ISLAMIC MARKETING ETHICS IN INDONESIA Tripuspitorini, Fifi Afiyanti; Rahmawati, Dina Alya; Ibtisamah, Rana
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.v17i1.6791

Abstract

The rapid evolution of digital technology has transformed banking services, with Islamic banks leveraging mobile banking innovations to meet customer needs while adhering to sharia principles. This study investigates the influence of service quality, ease of use, trust, and Islamic marketing ethics on customer satisfaction among mobile banking users in Islamic banks in Indonesia. Employing a quantitative approach with Structural Equation Modeling-Partial Least Squares (SEM-PLS), data were collected from 55 Islamic bank mobile banking users via an online questionnaire. The measurement model confirmed the validity and reliability of all indicators, with discriminant validity established through the Fornell-Larcker criterion. The structural model revealed that the variables collectively explain 70.1% of the variance in customer satisfaction, with a Goodness of Fit (GoF) value of 0.722 indicating a robust model fit. Hypothesis testing demonstrated that ease of use and trust significantly and positively influence customer satisfaction, whereas service quality and Islamic marketing ethics showed no significant effect. These findings suggest that Islamic banks should prioritize user-friendly mobile banking interfaces and foster trust through secure systems and sharia compliance to enhance customer satisfaction. This study offers valuable insights for Islamic banks aiming to align technological advancements with ethical principles to elevate customer experiences.

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