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All Journal Jurnal Ekonomi Islam Jurnal SOLMA Iqtishodia: Jurnal Ekonomi Syariah Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian UNDIKMA Unisia Journal of Islamic Economics Lariba Jurnal Ekonomi Islam Al Urwah : Sharia Economics Journal
Achiria, Siti
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Journal : Unisia

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The Influence of Knowledge of Islamic Economics on Interest in Investing in Sharia Stocks among Generation Z in Surakarta City with the UTAUT Model Aji, Cakrabumi Sumarsono; Achiria, Siti
Unisia Vol. 41 No. 1 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol41.iss1.art8

Abstract

Sharia-compliant investments are gaining traction among younger generations, particularly in Indonesia, where Generation Z represents a significant demographic with growing interest in ethical financial products. This study aims to explore the factors influencing Behavioral Intention to invest in Sharia-compliant stocks by integrating Islamic economic knowledge and the Unified Theory of Acceptance and Use of Technology (UTAUT) constructs, including Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions. A quantitative methodology was employed, utilizing a structured survey distributed to 100 respondents in Surakarta, Indonesia. Multiple linear regression analysis was conducted to assess the relationships between independent variables and Behavioral Intention. Supporting assumption tests, such as normality, multicollinearity, autocorrelation, and heteroskedasticity, confirmed the validity and reliability of the regression model. The results revealed that Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions significantly and positively influence Behavioral Intention. However, Islamic economic knowledge did not exhibit a statistically significant effect, indicating that practical and social factors outweigh theoretical understanding in driving investment decisions. The model explained 49.3% of the variance in Behavioral Intention, highlighting the importance of usability, perceived benefits, and social dynamics in shaping Generation Z’s preferences. These findings underscore the need for targeted strategies that emphasize user-friendly platforms, ethical value alignment, and community-driven promotion to enhance participation in Sharia-compliant investments. By addressing these factors, financial institutions and policymakers can foster financial inclusivity and promote sustainable economic growth.
Implementation of CWLS SW001 as a Productive Waqf from the Perspective of Maqashid Shariah Hasibuan, Abdul Razak; Achiria, Siti
Unisia Vol. 42 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol42.iss2.art22

Abstract

This study investigates the implementation of Cash Waqf Linked Sukuk (CWLS) SW001 as a tool for integrating Islamic social finance with modern investment practices. CWLS SW001 represents a transformative approach to mobilizing waqf funds, addressing socio-economic challenges, and adhering to Maqashid Shariah principles. The primary objective of the research is to evaluate the sukuk’s operational framework, its alignment with Islamic ethical principles, and its socio-economic contributions, particularly in the healthcare sector. Using a qualitative descriptive methodology, this study examines secondary data, including official reports and academic literature, to assess CWLS SW001’s mechanisms and impacts. The analysis is structured around Maqashid Shariah, focusing on objectives such as protecting life (hifdz an-nafs) and wealth (hifdz al-mal). The findings reveal that CWLS SW001 effectively channels waqf funds into productive and socially impactful projects, such as constructing a retina center and free cataract surgeries for underprivileged individuals. The sukuk’s operational model ensures transparency, financial sustainability, and compliance with Islamic principles. Despite its success, challenges remain, including limited public awareness and regulatory barriers hindering broader adoption and scalability. This study contributes to the growing body of knowledge on Islamic finance by demonstrating the potential of CWLS to address contemporary socio-economic issues. It highlights the need for strategic interventions, including enhanced literacy campaigns and regulatory reforms, to optimize the instrument’s impact and expand its applications across diverse sectors. The research underscores CWLS’s role as a replicable model for innovative and ethical financial practices.
Co-Authors Adli, Akmal Inan Hafidh Aji, Cakrabumi Sumarsono Bakti Nugroho, Moch Rizal Bayu Hasanah, Muti Hasibuan, Abdul Razak Hasibuan, Harits Ar-Royhan Mahmudah, Husna Pinasti, Ulfi Sheila Saeidi, Hadi Sayidah, Rahma Diana Setiawan, Luthfi Hawari Susilo, Mohamad Joko Unggul Priyadi Zia Ulhaq , Muhamad