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All Journal International Journal of Business, Law, and Education
Aris Setia Noor
Universitas Islam Kalimantan Muhammad Arsyad Al-Banjari
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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The Influence of Financial Literacy, Risk Perception, and Religiosity on Investment Decision in Islamic Financial Products Aris Setia Noor
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1103

Abstract

This study investigates the influence of Financial Literacy, Risk Perception, and Religiosity on Investment Decision in Islamic financial products. A structural equation modeling approach using SmartPLS was applied to a sample of individuals who are potential investors in Islamic financial products. The results indicate that Financial Literacy and Religiosity have a significant positive impact on investment decisions, with Religiosity showing the strongest influence. Risk Perception also significantly affects investment decisions, although to a lesser extent. The model explains 54.2% of the variance in Investment Decision, with a Q² value of 0.387, suggesting good predictive relevance. These findings highlight the importance of enhancing financial literacy programs and addressing religious considerations to promote investment in Islamic financial products. The study contributes to the understanding of how personal and religious factors influence investment behavior in the context of Islamic finance.
Financial Management Of UNISKA MAB Banjarmasin Students Influenced by Friends, Financial Education and Financial Literacy Aris Setia Noor; Kurniaty Kurniaty; Rina Rina
International Journal of Business, Law, and Education Vol. 6 No. 2 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i2.1302

Abstract

This study investigates the impact of peers, financial education, and financial literacy on the financial management practices of students at UNISKA MAB Banjarmasin. The research is based on the premise that the university years constitute a vital period for fostering financial independence. However, numerous students continue to lack the requisite skills for effective personal financial management. A quantitative methodology was adopted, with data collected via questionnaires administered to 150 respondents selected using the Slovin formula. Multiple linear regression analysis was performed to assess the relationships among the variables. The results indicate that peer influence exerts a negative, yet significant, effect on students’ financial management, implying that interactions with peers exhibiting excessive consumption habits may diminish financial discipline. Conversely, both financial education and financial literacy demonstrate positive, significant effects, with financial literacy identified as the more influential predictor. The study concludes that enhancing financial education and literacy is imperative for improving students’ financial behavior and ensuring long-term financial stability.
Co-Authors Kurniaty Rina