Market share determines the position of revenue and public utilization of Sharia bank. This research aims to examine the internal and external determinant factors of Indonesia Sharia banking market share. The secondary data were obtained from the Financial Services Authority (OJK) and Bank Indonesia (BI). Autoregressive Distributive Lag (ARDL) was used to explore the short and long periods from the influence of variables, including total of offices, customers, third-party saving (DPK), and promotion. The results showed that the total number of Automated Teller Machines (ATM) had a contrastingly different impact. Therefore, this research recommends adding all variables quantitatively.

Abstract

Islamic commercial banks are highly identic with the profit-sharing as a sharia banking basic operational system. The profit-sharing becomes a specific characteristic of sharia banks as well as a distinction from conventional banks. Hence, this study aims to examine if the profit-sharing characteristic contributes to the performances of Islamic commercial banks in Indonesia. This study employed time series data derived from the Financial Service Authority (OJK) using regression-mixed test and auto-regressive heteroscedasticity (ARCH). The results pointed out that the profit-sharing system for the lending of Musharaka had an impact on the performance of sharia banks; while the profit-sharing for the funding of Mudaraba did not support the hypothesis with negative coefficient. The results suggest that the profit-sharing characteristic provides contribution to the performance of Islamic commercial banks through the lending of Musharaka. These results further indicate that the profit-sharing characteristic performed by Islamic commercial banks is proven to be effective in improving their performances. This study’s results have an implication for Islamic commercial banks to strengthen their profit-sharing characteristics and improve the public trust toward sharia banking system.

This study intends to analyze the nexus between university support and an entrepreneurial mindset. This study also analyzes the mediating role of entrepreneurship education in this relationship. The research subjects are Public Islamic higher education (PTKIN) students who have participated in entrepreneurship education programs. The data in this study were collected using an online questionnaire. The number of respondents in this study was 297 students. Entrepreneurship education and entrepreneurial mindset are dependent variables and university support is an independent variable. Data analysis by Partial Least Square-Structural Equation Modeling (PLS-SEM). The results define that university support has a positive effect on entrepreneurship education and entrepreneurial mindset. Entrepreneurship education also has a positive effect on the entrepreneurial mindset. In addition, entrepreneurial mindsets mediate the relationship between university support and entrepreneurial mindsets. The implication of this finding is to enhance the students' entrepreneurial mindset, PTKIN must provide support for an entrepreneurship education program for students. PTKIN needs to develop a university-based entrepreneurial ecosystem.

This research discusses the motives of the Muslim community in choosing banking institutions by using the analysis of pragmatism theory. This research is qualitative research using a phenomenology approach. Data collection that is used in this research is the interview, observation, and documentation. The result of the study indicated that the Muslim’s customer of Yogyakarta tend to be pragmatic  due to the character of society which has more accommodating and flexible philosophy of life (tolerance). This pragmatic attitude was influenced by the internal factors (cognitive limitations) and external factors (reputation and service of Conventional Banks). Furthermore, adopting from the theory of  Schutz’s motives that the motives reason (because of motive) of Yogyakarta's Moslem customers in choosing to the bank are their inconsistency in choosing is influenced by economic and service motives that are stronger than religious motives. As for their destination motive (in order to motive) namely fulfilling their needs.