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"Penelitian ini bertujuan untuk melihat pertumbuhan kredit dan financing berlebih dari bank konvensional dan bank islam di Indonesia. Dengan menggunakan metode HP Filter dan penentuan threshold 1.75, terlihat keduanya mengalami fenomena kredit booms pada periode krisis, dan cenderung berperilaku prosiklikal. Lebih lanjut, untuk mengetahui penyebaran risiko, penelitian ini juga menguji interkoneksi antar lembaga keuangan di Indonesia dengan metode VAR. Secara empiris, hasil pengujian menunjukkan adanya bidirectional causality antara pasar modal dan pertumbuhan ekonomi, serta terdapat one way causality dari pertumbuhan ekonomi dan pasar modal terhadap bank Islam dan bank konvensional. Dari hasil estimasi, dapat disimpulkan bahwa equity financing dari bank Islam dan pasar modal belum optimal secara inheren berperan sebagai kontrol kredit yang berlebih di Indonesia.

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This study aims to examine excess financing and credit growth from conventional and islamic banks in Indonesia. Using HP Filter method and 1.75 threshold determination, both variables experience credit boom during crisis and indicate a procyclicality behavior. Further, this research also attempts to find interconnection between financial institutions in Indonesia using VAR model. Empirical result shows a bidirectional causality between economic growth and capital market whilst one way causality is found from economic growth and capital market into Islamic and conventional banks. In conclusion, equity financing system adapted in Islamic banks and capital market have not inherently control the excess credit in Indonesia. "

""From knowledge of the Qur'an and Sharia'a law, to new and old Islamic financial concepts, Islamic terms and financial instruments and services, this book covers all the key areas that practitioners need to know in order to understand Islamic finance. The book also features overviews of the product and services, illustrative examples of how these work in practice, and a question and answer section for readers seeking to test and build their knowledge of the area." -- back cover.Contents1. The Islamic banking timeline (1890-2010)2. Frequently asked questions3. Why is interest (riba) forbidden to Muslims?4. Derivatives and Islamic finance5. How do you establish an Islamic bank?6. Islamic banking and finance qualifications7. How much Arabic do you need to know to work in the industry?8. Test your knowledge9. Further readingApp. Answers to Chapter 8 test your knowledge.Notes"

"Of interest to both academics and practitioners who assist in making Shariah-centric strategies, this work is particularly important as Asia holds a major percentage of Islamic assets in South Asia, Southeast Asia, and the Middle East, with new opportunities opening in Central Asia."

"ABSTRAKTujuan dari survei literatur ini adalah untuk meninjau penelitian yang sebelumnya telah dilakukan terkait faktor adopsi bank syariah secara umum selama tahun 2007 sampai dengan 2016 dan untuk mengetahui faktor apa saja yang signifikan memengaruhi adopsi konsumen terhadap bank syariah. 40 artikel jurnal dari pangkalan data yang dilanggan Universitas Indonesia maupun yang tersedia secara bebas di Google Scholar dipilih untuk ditinjau dan dikelompokkan berdasarkan teori difusi inovasi milik Rogers 1983 , aspek demografik konsumen dan faktor lainnya seperti aspek syariah maupun kompetitor bank syariah itu sendiri. Dari artikel yang terpilih, dapat ditarik kesimpulan bahwa sebagian besar penelitian menggunakan pendekatan kuantitatif dan dilakukan di negara dengan Muslim sebagai mayoritas seperti Malaysia dan Pakistan. Selain itu, religiusitas dan kesadaran konsumen, bersama dengan keunggulan bank, kredibilitas, kenyamanan, biaya dan aspek syariah bank merupakan faktor-faktor yang paling sering dibahas dan terbukti signifikan dalam memengaruhi proses adopsi konsumen terhadap bank syariah.

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ABSTRACTThe purpose of this literature survey is to review the academic literatures related to consumers rsquo adoption factors of Islamic bank in general that were published within 10 years, from 2007 to 2016 and to identify factors that significantly affect the adoption. In order to do so, 40 journal articles from University of Indonesia subscribed database and Google Scholars were chosen, reviewed and classified according to Rogers rsquo Diffusion of Innovations theory, consumer rsquo s demographic and other factors such as sharia value and Islamic banks rsquo competitors. From those articles, it can be concluded that most studies used quantitative approach and conducted in Muslim majority countries such as Malaysia and Pakistan. Consumers rsquo religiosity and awareness along with Islamic banks rsquo relative advantage, credibility, convenience, cost and sharia value are most discussed and proven significant in affecting consumers rsquo adoption of Islamic banks."

"Tingkat kepemilikan rumah di Indonesia menjadi salah satu permasalahan yang berkelanjutan di setiap tahun. Dalam rangka mengatasi permasalahan tersebut, lembaga perbankan termasuk perbankan syariah di Indonesia diharapkan dapat terus berperan aktif untuk membantu pemerintah serta masyarakat di Indonesia untuk mengatasi permasalahan ini, yaitu dalam bentuk penyaluran Kredit Pemilikan Rumah (KPR) syariah. Dalam praktiknya, produk KPR syariah dengan akad murabahah menjadi salah satu akad pada produk KPR syariah tersebut yang paling diminati oleh masyarakat di Indonesia, khususnya masyarakat muslim, terlebih lagi dengan lebih dari 230 juta jiwa di Indonesia adalah masyarakat beragama islam. Dalam rangka mengembangkan produk serta lebih meningkatkan minat masyarakat, perbankan syariah diharuskan untuk mengetahui faktor-faktor apa saja yang dapat mempengaruhi intensi masyarakat muslim di Indonesia untuk memilih produk KPR syariah dengan akad murabahah. Model penelitian ini menggunakan replikasi model dari penelitian sebelumnya yang dilakukan oleh Sayuti & Amin (2020) menggunakan Theory of Planned Behavior (TPB) dengan menambahkan variabel price fairness of islamic home financing dan islamic altruism. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang dapat mempengaruhi intensi masyarakat muslim di Indonesia untuk memilih produk KPR syariah dengan akad murabahah. Faktor-faktor tersebut akan diolah dan dianalisis menggunakan metode olah data Partial Least Square-Structural Equation Modelling (PLS-SEM). Data yang digunakan pada penelitian ini didapatkan melalui penyebaran kuesioner kepada 301 masyarakat muslim di Indonesia. Hasil penelitian ini menunjukan bahwa attitude, subjective norm dan perceived behavioral control memiliki pengaruh langsung terhadap intention to choose islamic home financing, sedangkan price fairness of islamic home financing dan islamic altruism memiliki pengaruh langsung dan tidak langsung terhadap intention to choose islamic home financing.

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The level of home ownership in Indonesia is one of the neverending problems every year. In order to overcome these problems, banking institutions, including islamic banking in Indonesia, are expected to continue to play an active role in assisting the government and the people in Indonesia to overcome this problem in the form of distribution of Islamic Home Financing (KPR). In practice, the islamic home financing product with the murabahah-based is one of the contracts in the islamic home financing product that is most in demand by the people in Indonesia, especially the Muslim community, even more so with more than 230 million people in Indonesia who are Muslim. In order to develop products and further increase public interest, Islamic banking is required to know what factors can influence the intentions of the Muslim community in Indonesia to choose sharia mortgage products with murabahah. This research model uses a model replication from previous research conducted by Sayuti & Amin (2020) using the Theory of Planned Behavior (TPB) by adding the price fairness of Islamic home financing and Islamic altruism. This study aims to determine the factors that can influence the intention of the Muslim community in Indonesia to choose sharia mortgage products with murabahah. These factors will be processed and analyzed using the Partial Least Square-Structural Equation Modeling (PLS-SEM) data processing method. The data used in this study were obtained through distributing questionnaires to 301 muslim communities in Indonesia. The results of this study indicate that attitude, subjective norm and perceived behavioral control have direct effects, while the price fairness of Islamic home financing and Islamic altruism have direct and indirect effects on the intention to choose Islamic home financing."