黄金信贷产品禁令对社会使用伊斯兰银行产品兴趣的影响分析

Q4 Economics, Econometrics and Finance

Journal of Business Valuation and Economic Loss Analysis Pub Date : 2019-01-01 DOI:10.36924/sbe.2019.2204

Muhammad Rizal Hidayat, Rizky Tri Utomo, K. Nisa'

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引用次数: 0

摘要

本研究的目的是分析禁止黄金信贷产品作为伊斯兰经济和金融世界的当前问题，及其对印度尼西亚使用伊斯兰银行产品的社会利益的影响(以三宝朗市的伊斯兰教曼迪里银行为例)。本研究采用Logistic回归方法分析黄金信贷产品禁令对社会使用伊斯兰银行产品兴趣的影响。结果表明，即使在先前允许购买黄金信贷产品后，禁止购买黄金信贷产品，但社会对使用伊斯兰银行产品的兴趣丝毫没有下降。强调社会考虑不降低他们使用伊斯兰银行产品的兴趣的是，他们可以根据自己的喜好选择丰富的替代伊斯兰银行产品。这项研究的结果可能有助于修订或更新由Dewan Syariah Nasional Majelis Ulama Indonesia (DSN MUI)制定的伊斯兰经济和金融法律政策，即DSN MUI第77/DSN-MUI/VI/2010号关于非现金黄金买卖的法特瓦。

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Analysis of the Impact of Gold Credit Product Prohibition on the Society Interest in Using Islamic Banking Products

The purpose of this research is to analyze the prohibition of gold credit products as the current issue in the world of Islamic Economics and finance and its implications for the interest of the society in using Islamic banking products in Indonesia (a case study in Bank Syariah Mandiri in Semarang City). This research uses the Logistic Regression method to analyze the impact of the prohibition of gold credit products on society's interest in using Islamic banking products. The results indicate that even though there was a prohibition ruling of buying gold credit products after being previously allowed, the interest of the society in using Islamic banking products did not decrease at all. What underlines the society’s consideration of not reducing their interests in using Islamic banking products is the abundance of alternative Islamic banking products that can be chosen by them according to their preferences. The result of this research can potentially contribute to the revision or renewal of Islamic economics and finance legal policies made by Dewan Syariah Nasional Majelis Ulama Indonesia (DSN MUI) namely the Fatwa DSN MUI Number 77/DSN-MUI/VI/2010 about Sale and Purchase of Non-Cash Gold.

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来源期刊

Journal of Business Valuation and Economic Loss Analysis Economics, Econometrics and Finance-Finance

CiteScore

0.40

自引率

0.00%

发文量

期刊介绍： The Journal of Business Valuation and Economic Loss Analysis (JBVELA) is a refereed academic journal that publishes continuously throughout the year and is co-edited by Bradley Ewing and James Hoffman. The mission of the Journal of Business Valuation and Economic Loss Analysis is to improve the practice of business valuation, economic loss analysis, and risk management by helping to inform academics, practitioners, and attorneys about theoretical and practical developments in these fields.