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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Jurnal Investasi Islam Da'watuna: Journal of Communication and Islamic Broadcasting MES Management Journal Jurnal Manajemen Dakwah (J-MD) Sharia Economic and Management Business Journal (SEMBJ) Jurnal Ilmiah Mahasiswa International Journal of Economics, Science, and Education (IJESE)
Andri Soemitra
UIN Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Literasi Keuangan, Lingkungan Sosial, Persepsi Return, dan Modal Minimal dengan Financial Behavior sebagai Variabel Mediasi Terhadap Keputusan Investasi Saham Syariah Daryan Muhsin Batubara; Andri Soemitra; Muhammad Lathief Ilhami Nasution
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14709

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, lingkungan sosial, persepsi return, dan modal minimal terhadap keputusan investasi saham syariah dengan financial behavior sebagai variabel mediasi pada mahasiswa Universitas Islam Negeri Sumatera Utara. Penelitian ini menggunakan pendekatan kuantitatif asosiatif dengan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS). Data dikumpulkan melalui penyebaran kuesioner kepada 153 mahasiswa yang dipilih menggunakan teknik purposive sampling. Analisis data meliputi statistik deskriptif, evaluasi outer model, evaluasi inner model, dan pengujian hipotesis. Hasil penelitian menunjukkan bahwa lingkungan sosial berpengaruh positif dan signifikan terhadap keputusan investasi (β = 0,144; p < 0,05), sedangkan literasi keuangan tidak berpengaruh signifikan terhadap keputusan investasi (β = 0,050; p > 0,05). Sebaliknya, modal minimal menjadi faktor paling dominan yang memengaruhi keputusan investasi (β = 0,476; p < 0,001), diikuti oleh persepsi return (β = 0,284; p < 0,01). Model struktural menunjukkan kemampuan penjelasan yang kuat dengan nilai R-square sebesar 0,780, yang berarti bahwa 78% variasi keputusan investasi saham syariah dapat dijelaskan oleh variabel yang diajukan dalam penelitian ini. Temuan ini menunjukkan bahwa keputusan investasi mahasiswa muslim lebih banyak dipengaruhi oleh kemudahan akses investasi dan ekspektasi keuntungan dibandingkan hanya oleh literasi keuangan semata. Oleh karena itu, peningkatan partisipasi investasi pada investor muslim muda tidak hanya memerlukan penguatan literasi, tetapi juga pendidikan keuangan yang bersifat praktis, akses investasi yang terjangkau, serta lingkungan sosial yang mendukung perilaku keuangan yang rasional dan sesuai prinsip syariah.
Examining the Impact of Investment, Labor, and Zakat on Economic Growth in Indonesia: A Panel Data Approach Syafrial Syah; Andri Soemitra; Isnaini Harahap
J-MD Jurnal Manajemen Dakwah Vol. 6 No. 2 (2025): JMD
Publisher : Program Studi Manajemen Dakwah, FUAD, IAIN Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/hd5qxt50

Abstract

This study aims to analyze the relationship between investment, labor, and zakat with economic growth in Indonesia using panel data from 33 provinces during the period 2019–2024. The study employs a quantitative approach with secondary data obtained from credible official sources, namely the Central Bureau of Statistics (BPS) and the National Zakat Agency (BAZNAS). The dependent variable used to measure economic growth is the Gross Regional Domestic Product (GRDP) at constant prices. The independent variables include realized domestic investment, total labor force, and the amount of zakat collection and distribution. Panel data regression analysis is conducted using the Fixed Effect Model (FEM), which is selected after conducting model specification tests including Chow and Hausman tests.The empirical results show that investment has a positive and significant effect on economic growth. This implies that increased investment leads to higher capital accumulation, enhanced productivity, and greater output, thereby accelerating economic growth. Labor also exhibits a positive and significant effect, indicating that a growing and active labor force plays a crucial role in supporting production and economic activities. Furthermore, zakat shows a positive and significant influence on economic growth, suggesting that zakat, as an Islamic fiscal instrument, contributes to poverty alleviation, increases consumption capacity, and supports equitable economic distribution. Overall, the study concludes that investment, labor, and zakat simultaneously have a positive and significant impact on regional economic growth in Indonesia. These findings provide important policy implications, especially in integrating Islamic economic principles into national development strategies for inclusive and sustainable growth.  
SYSTEMATIC LITERATURE REVIEW DENGAN METODE PRISMA: DAMPAK LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENGGUNAKAN PRODUK PERBANKAN SYARIAH Mira Chairani; Nurma Sari; Andri Soemitra; M. Shabri Abd. Majid
JIM: Jurnal Ilmiah Mahasiswa Vol 7, No 2 (2025): Oktober 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v7i2.13377

Abstract

The purpose of this systematic literature review is to determine the methods used to analyze the role of Islamic financial literacy in the decision to use Islamic banking products, how Islamic financial literacy plays a role in the decision to use Islamic banking products, and other factors that interact with Islamic financial literacy in shaping the decision to use Islamic banking products. This study uses a Systematic Literature Review (SLR) with the PRISMA method, assisted by tools such as Watase Uake and Prisma 2020 Flow Diagram. This study is limited to journal articles indexed by Scopus and published between 2020 and 2025. Based on 137 articles reviewed through the SLR process, five articles met the criteria and were used as primary references. The research method for analyzing the dominant data is quantitative (4 articles), and there are a number of other factors that interact with Islamic financial literacy in shaping the decision to use Islamic banking products, including: level of religiosity, trust in Islamic financial institutions, skepticism, digital marketing, digital literacy, brand image and word of mouth promotion.
Countering Hoarding: A Sharia Microeconomic Literature Review on National Food Distribution Disparities amid Inflation Khaidar rahmaini Jamila; Muhammad Ridwan; Andri Soemitra; Yusrizal
International Journal of Economics, Science, and Education Vol. 2 No. 5 (2025): International Journal of Economics, Science, and Education (IJESE)
Publisher : CV Pena Jaya Pers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65254/ijese.v2i5.60

Abstract

ABSTRACT Purpose: This study examines the role of hoarding (iḥtikār) and food distribution inequality in driving food inflation in Indonesia from the perspective of Islamic microeconomics. Design/methodology/approach: A qualitative approach is employed through a systematic literature review of classical fiqh sources, contemporary Islamic economic theory, national macroeconomic data, and policy-related reports. Findings: The study finds that hoarding contributes directly to food inflation, social welfare deterioration, and distributive injustice. Islamic economic principles prohibit such practices due to their inconsistency with distributive justice (‘adl), public welfare (maṣlaḥah), and the objectives of Sharīʿah (maqāṣid al-sharīʿah). Research limitations/implications: The study is limited to secondary data and conceptual analysis without empirical field investigation. Practical implications: State intervention, price controls, and Sharīʿah-based redistributive instruments such as zakat and infaq are justified to correct market failures. Originality/value: This paper integrates Islamic microeconomic principles into contemporary food inflation discourse. Paper type: Literature review Keywords: distributive justice, food distribution, hoarding, inflation, iḥtikār, Islamic microeconomics
Cognitive and Emotional Biases in Investment Decisions: An Analysis of Muslim Investor Behavior in the Sharia Stock Market Rani Febriyanni; Andri Soemitra; Isnaini Harahap
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 3 (2025): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i3.2196

Abstract

Background: This study investigates the influence of cognitive and emotional biases on investment decisions in the Indonesian Sharia stock market. Method: Using a mixed-method approach with a sequential explanatory strategy, quantitative data were analyzed with Structural Equation Modeling-Partial Least Squares (SEM-PLS), followed by qualitative insights through interviews, observations, and documentation. Results: The findings reveal that emotional bias indirectly affects investment decisions through investor behavior, while cognitive bias also shows a significant influence. Investor behavior plays a crucial mediating role, reflecting how biases are translated into real investment actions. Sharia-based investors tend to be more cautious and guided by religious values, which function as a filter in decision-making, yet they remain vulnerable to emotional factors such as overreaction and herd behavior. Institutional investors appear more systematic in managing biases compared to individual investors, who are more easily influenced by emotions. The study highlights the importance of behavioral factors in shaping investment decisions in Sharia markets, suggesting that financial literacy, investor education, and long-term strategies are essential to minimize the negative effects of cognitive and emotional biases. Conclusion: These findings contribute to understanding investor psychology in Islamic finance and provide insights for regulators and practitioners to strengthen market stability.
Co-Authors Ade Khadijatul. Z Hrp Amin Rahmad Panjaitan Andika Ahmad Fauzi Anggita Utami Atika Nadila Chairani, Mira Daryan Muhsin Batubara Dedy Dwi Arseto Deksa Imam Suhada Devi Ramadhani Dhian Rosalina Imsar Imsar Irvan Murizal Iskandar Muda Isnaini Harahap Istiqomah Ayu Syahputri Khaidar rahmaini Jamila M. Shabri Abd. Majid Meutia Dewi Muhammad Arfan Harahap Muhammad Lathief Ilhami Nasution Muhammad Ridwan Nur Ahmadi Bi Rahmani Nurma Sari Rahmat Daim Harahap Rahmat Rahmat Rani Febriyanni Roos Nelly Syachrul Wahyudi Syah, Syafrial Wirda Seputri Yusrizal Yusrizal Yusrizal Zuhrinal M. Nawawi