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The Effect of Low Interest Rates for Islamic Commercial Banks on Student Interest In Saving
Corresponding Author(s) : Dimas Bagus Wiranatakusuma
Proceedings Universitas Muhammadiyah Yogyakarta Undergraduate Conference,
Vol. 3 No. 1 (2023): Crafting Innovation for Global Benefit
Abstract
The Islamic finance industry is one of the most significant factors in the development process, as it contributes to the smooth operation of economic activity. This study aims to determine whether low bank interest affects student interest, especially in Yogyakarta, to save in Islamic banks. The method used in this research is a quantitative approach by distributing questionnaires. Based on data analysis and discussion of the effect of low-interest rates on student interest in saving in Islamic banks, it can be concluded that there is a significant effect. This is a prof from the results of research that has been carried out, where the results of the questionnaire state that low bank interest affects an attractiveness student interest saving in Islamic banks.
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- Altarawneh, G., & Lucas, M. (2012). Understanding the dominance of Western accounting and neglect of Islamic accounting in Islamic countries. Journal of Islamic Accounting and Business Research, 3(2), 99-120.
- Andespa, R., Wisanggara, R., Rasyad, F. H. S., & ADIF, R. M. (2019). Pengaruh People, Process, dan Physical Evidence Terhadap Keputusan Menabung di Bank Syariah. Maqdis: Jurnal Kajian Ekonomi Islam, 4(1), 57-67.
- Ascarya, A. (2015). Determining the Real Causes of Financial Crisis in Islamic Economic Perspective: ANP Approach. Tazkia Islamic Finance and Business Review, 9(2), 271318.
- Charag, A. H., Fazili, A. I., & Bashir, I. (2020). Determinants of consumer’s readiness to adopt Islamic banking in Kashmir. Journal of Islamic Marketing, 11(5), 1125-1154.
- De Bruin, L., Roberts-Lombard, M., & De Meyer- Heydenrych, C. (2021). Internal marketing, service quality and perceived customer satisfaction: An Islamic banking perspective. Journal of Islamic Marketing, 12(1), 199- 224.
- Miskam, S., Yaacob, A. M., & Rosman, R. (2019). Fintech and its impact on Islamic fund management in Malaysia: a legal viewpoint. In Emerging Issues in Islamic Finance Law and Practice in Malaysia (pp. 223-246). Emerald Publishing Limited.
- Muhammad, R., & Nugraheni, P. (2022). Sustainability of Islamic banking human resources through the formulation of an islamic accounting curriculum for higher education: indonesian perspective. SAGE Open, 12(1), 21582440221079838.
- Kassim, S. (2016). Islamic finance and economic growth: The Malaysian experience. Global Finance Journal, 30, 66-76.
- Nabila, G., Rochayatun, S., & Madina, F. (2023). Competencies and Knowledge of Internal Auditor in Islamic Financial Institution: A Literature Review. El Muhasaba Jurnal Akuntansi, 14(1), 80-87.
- Tarique, K. M., Islam, R., & Mohammed, M. O. (2021). Developing and validating the components of Maqasid al-Shari’ah-based performance measurement model for Islamic banks. International Journal of Islamic and Middle Eastern Finance and Management, 14(2), 366-390.
References
Altarawneh, G., & Lucas, M. (2012). Understanding the dominance of Western accounting and neglect of Islamic accounting in Islamic countries. Journal of Islamic Accounting and Business Research, 3(2), 99-120.
Andespa, R., Wisanggara, R., Rasyad, F. H. S., & ADIF, R. M. (2019). Pengaruh People, Process, dan Physical Evidence Terhadap Keputusan Menabung di Bank Syariah. Maqdis: Jurnal Kajian Ekonomi Islam, 4(1), 57-67.
Ascarya, A. (2015). Determining the Real Causes of Financial Crisis in Islamic Economic Perspective: ANP Approach. Tazkia Islamic Finance and Business Review, 9(2), 271318.
Charag, A. H., Fazili, A. I., & Bashir, I. (2020). Determinants of consumer’s readiness to adopt Islamic banking in Kashmir. Journal of Islamic Marketing, 11(5), 1125-1154.
De Bruin, L., Roberts-Lombard, M., & De Meyer- Heydenrych, C. (2021). Internal marketing, service quality and perceived customer satisfaction: An Islamic banking perspective. Journal of Islamic Marketing, 12(1), 199- 224.
Miskam, S., Yaacob, A. M., & Rosman, R. (2019). Fintech and its impact on Islamic fund management in Malaysia: a legal viewpoint. In Emerging Issues in Islamic Finance Law and Practice in Malaysia (pp. 223-246). Emerald Publishing Limited.
Muhammad, R., & Nugraheni, P. (2022). Sustainability of Islamic banking human resources through the formulation of an islamic accounting curriculum for higher education: indonesian perspective. SAGE Open, 12(1), 21582440221079838.
Kassim, S. (2016). Islamic finance and economic growth: The Malaysian experience. Global Finance Journal, 30, 66-76.
Nabila, G., Rochayatun, S., & Madina, F. (2023). Competencies and Knowledge of Internal Auditor in Islamic Financial Institution: A Literature Review. El Muhasaba Jurnal Akuntansi, 14(1), 80-87.
Tarique, K. M., Islam, R., & Mohammed, M. O. (2021). Developing and validating the components of Maqasid al-Shari’ah-based performance measurement model for Islamic banks. International Journal of Islamic and Middle Eastern Finance and Management, 14(2), 366-390.