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                  <text>Vol. 27 No. 1 (2023) January 2023</text>
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                <text>Jurnal Keuangan dan Perbankan Universitas Merdeka Malang&#13;
The Types of Ownership and Sticky Cost: Evidence from Listed Firms of Indonesia Capital Market</text>
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                <text>Indonesia Stock Exchanges; ownership structure; State-Owned Bank; sticky cost. </text>
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                <text>This study examines whether ownership structure type of listed banks of Indonesia Stock Exchanges (IDX), especially State of Owned Banks (SOBs) affect to cost stickiness. This study observes listed state-owned banks during the periods of 2001-2020. This study finds that ownership structure type of listed banks of IDX, i.e. SOBs, affects to cost stickiness are not supported. However, cost stickiness of listed SOBs of IDX relates to asset and employee are supported. However, a SOBs purpose to profit-oriented, but they also commit to &#13;
government programs, i.e. reducing unemployment and expanding job opportunities. Overall, the findings of this study indicate that SOBs do not influence cost stickiness, but there are differences between high and low asset and employee SOBs. This study contributes to literatures of financial accounting and finance in banking sector, particularly SOBs. &#13;
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                <text>Meythi Meythi, Riki Martusa, Anastasya Regina Candra</text>
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                <text>DOI: 10.26905/jkdp.v27i1.8878 </text>
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            <name>Publisher</name>
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                <text>Universitas Merdeka Malang</text>
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            <name>Date</name>
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                <text>January 2023</text>
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                <text>Sri Wahyuni</text>
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                <text>ISSN: 2443-2687 (Online) ISSN: 1410-8089 (Print)</text>
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                <text>English</text>
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                <text>Jurnal Keuangan dan Perbankan Universitas Merdeka Malang</text>
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        <name>Indonesia Stock Exchanges</name>
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        <name>JURNAL NASIONAL AKUNTANSI</name>
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        <name>ownership structure</name>
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                  <text>Vol. 27 No. 1 (2023) January 2023</text>
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                <text>Jurnal Keuangan dan Perbankan Universitas Merdeka Malang&#13;
Does Islamic Financial Inclusion Matter for Household Financial Well Being? </text>
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                <text>Islamic financial inclusion; Household Financial Well Being &#13;
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                <text>This study aims to analyze the effect of islamic financial inclusion on financial well being by measuring the relationship between eachdimension or the construction of research variables. The data was collected from 100 households using the services of Islamic financial institutions in Indonesia. Analysis of the structural equation model–partial least square (SEM-PLS) was conducted to analyze the relationship between variables and test a series of hypotheses. The results showed that access had a significant effect on financial satisfaction, financial safety and household financial worries. Dimensions and &#13;
construction usage have a positive effect on financial satisfied, financial safety and household emergency funds. Meanwhile, construction quality has an effect on household financial safety. This study will determine the policy makers of the Islamic financial sector in planning services and improving access, quality and usage of Islamic financial services. This research will also increase household knowledge about household financial &#13;
management. </text>
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                <text>Ambas Hamida, Muhammad Nur Alam Muhajir, Sukran, Muni Paulus</text>
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                <text>DOI: 10.26905/jkdp.v27i1.8659</text>
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                <text>Universitas Merdeka Malang</text>
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                <text>January 2023</text>
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                <text>Sri Wahyuni</text>
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                <text>ISSN: 2443-2687 (Online) ISSN: 1410-8089 (Print)</text>
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                <text>English</text>
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                <text>Jurnal Keuangan dan Perbankan Universitas Merdeka Malang</text>
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