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All Journal Studia Economica: Jurnal Ekonomi Islam At-Tawassuth: Jurnal Ekonomi Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Paedagogy Al-Mubin: Islamic Scientific Journal El-kahfi : Journal of Islamic economics Jurnal Investasi Islam El-Ahli : Jurnal Hukum Keluarga Islam EKSYA: Jurnal Ekonomi Syariah Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Jurnal Manajemen Journal Islamic Economics Ad Diwan Journal of Law, Poliitic and Humanities Maqdis: Jurnal Kajian Ekonomi Islam Wealth: Journal of Islamic Banking and Finance J-Mabisya Risalah Iqtisadiyah JIMEK
Paisal Rahmat
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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ANALISIS PENGARUH RELIGIUSITAS DAN PENGETAHUAN TERHADAP MINAT MASYARAKAT UNTUK MENABUNG DI BANK SYARIAH (Studi Kasus Masyarakat Panyabungan Kota) SITI SOPUROH; Ian Alfian; Paisal Rahmat
EKSYA : Jurnal Ekonomi Syariah Vol 5 No 2 (2024): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v5i2.2145

Abstract

This research aims to analyze the influence of religiosity and product knowledge on people's interest in saving at Islamic banks in Panyabungan City. The data collection method used a questionnaire with a total of 100 respondents, while the data analysis method used was multiple linear analysis using SPSS version 21. Partial t-test results of this study show that religiosity has a significant effect on the interest in saving of the people of Panyabungan City with a significant value of 0.000 < 0,005 and product knowledge has a significant effect. on interest in saving with a significance value of 0.000 < 0,005. The results of the coefficient of determination obtained R2 of 0.709 or 70.9%, which means that people's interest in saving is influenced by religiosity and product knowledge. Meanwhile, the remaining 29.1% is influenced or explained by other variables that are not included in this research. Keywords: Religiosity, Knowledge, and Interest in Saving
Patterns of Choosing the Right Sharia Investment for Beginners Amid Global Economic Uncertainty Husin, Amir; Putri Khairani, Zenni; Matondang, Riswandi; Rahmat, Paisal
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.457

Abstract

This research discusses various types of Islamic investment instruments, such as Islamic stocks, sukuk, Islamic mutual funds, and gold, as well as the criteria for choosing investments that are in accordance with sharia values. Islamic investments are increasingly in demand as an investment alternative that is not only financially beneficial, but also in accordance with Islamic principles. The purpose of this research is to find the right type of Islamic investment for beginners amidst global economic uncertainty. The research also emphasizes how important it is to ensure that every investment instrument has integrity and transparency. The method used for the literature study is a descriptive qualitative approach that analyzes various relevant academic sources through content analysis. The results show that investments with low risk, affordable capital, and in accordance with sharia principles, sharia mutual funds, gold and sharia deposits are the most suitable instruments for beginners amid global economic uncertainty. Factors such as risk profile, financial goals and investment time horizon are also explained as important considerations when making decisions for Islamic mutual funds, sukuk and gold. Investors can choose Islamic investment instruments that are profitable and foster confidence with a good understanding. The results of this study are expected to be an initial guide for novice investors in choosing Islamic investments amidst economic uncertainty.
Pengembangan Investasi Syariah Berbasis Fintech Di Era Digital Rahmat, Paisal; Marlian Arif Nasution; Fadhilah Hanum Lubis
Jurnal Investasi Islam Vol 10 No 1 (2025): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v10i1.11119

Abstract

This research aims to develop Islamic investment based on financial technology (fintech) in the digital era, with a focus on increasing financial inclusion, Islamic financial literacy, and developing innovative and efficient investment products. The research method used is a library approach, as well as secondary data analysis from the literature. Overall, this study shows that the development of fintech-based Islamic investment in the digital era requires the integration of sophisticated technology, increased Islamic financial literacy, adequate regulatory support and collaboration between industry players. The development of fintech-based Islamic investment has the potential to increase financial inclusion and provide better investment alternatives for people who want to invest in accordance with sharia principles
Cash Waqf, Deposito Syariah, CWLD, Keuangan Sosial Islam, Pembangunan Berkelanjutan Nasution, Rizky Auliya; Rahmat, Paisal; Nasution, Royhan Mustopa
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v1i1.25186

Abstract

Cash Waqf Linked Deposit (CWLD) merupakan inovasi dalam keuangan sosial Islam yang menggabungkan konsep wakaf uang temporer dengan instrumen deposito syariah. Skema ini memungkinkan wakif menempatkan dana pada deposito berjangka di lembaga keuangan syariah, di mana hasil bagi hasilnya disalurkan kepada penerima manfaat untuk tujuan sosial, sementara dana pokok tetap aman dan dapat kembali kepada wakif. Penelitian ini bertujuan untuk menganalisis konsep dasar CWLD, mengidentifikasi peluang dan tantangan implementasinya di lembaga keuangan syariah Indonesia, serta mengkaji potensi optimalisasinya sebagai instrumen pembiayaan sosial yang mendukung pembangunan berkelanjutan. Dengan menggunakan pendekatan kualitatif deskriptif melalui studi kepustakaan, penelitian ini menemukan bahwa CWLD memiliki peluang besar untuk berkembang melalui dukungan regulasi, digitalisasi, dan meningkatnya kesadaran masyarakat terhadap filantropi Islam. Namun, tantangan berupa rendahnya literasi wakaf uang, keterbatasan kapasitas nadzir, serta belum optimalnya integrasi teknologi dan insentif fiskal masih menjadi hambatan implementasi. Oleh karena itu, optimalisasi CWLD memerlukan sinergi antarsektor, penguatan regulasi, dan strategi edukasi publik yang komprehensif. Dengan pengelolaan yang tepat, CWLD berpotensi menjadi pilar utama pembiayaan sosial Islam yang berkelanjutan di Indonesia.
Membangun Masa Depan yang Berkelanjutan dengan Investasi Syariah: Building a Sustainable Future with Sharia Investments Yusril Mahendra; Paisal Rahmat; Saniah Ilma Lubis; Risna Hayati
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 1 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i1.2000

Abstract

Islamic investment is a form of financial management that not only focuses on material gains but also upholds values of ethics, justice, and sustainability as guided by Islamic principles. These principles emphasize the prohibition of practices involving riba (usury), gharar (excessive uncertainty), and maisir (gambling), while promoting a more transparent, equitable, and socially beneficial financial system. This article aims to analyze how Islamic investment can serve as a strategic approach in building a sustainable future while balancing economic, social, and environmental interests. This study employs a qualitative approach using a literature review method by examining various scholarly sources, including journals, books, research reports, and other relevant documents. The findings reveal that Islamic investment not only contributes positively to economic growth but also supports environmental sustainability and enhances social welfare. For instance, Islamic financial instruments such as green sukuk have proven effective in financing environmentally friendly projects, while Sharia-based financing for micro, small, and medium enterprises (MSMEs) has played a vital role in promoting economic inclusiveness and reducing social inequality. Moreover, the concept of green investment aligned with Sharia principles emerges as a breakthrough in supporting the achievement of the Sustainable Development Goals (SDGs). Therefore, Islamic investment holds significant potential as an instrument for inclusive and just development. The conclusion of this study highlights that in order to optimize the role of Islamic investment in the future, there is a strong need for public education, continuous product innovation, and cross-sector collaboration involving governments, financial institutions, and business actors.
Co-Authors Ade Arga Wahyudi Ade Arga Wahyudi Ahmad Faisal Ahmad Faisal Tanjung AIDIL NOVIA ALEK WISSALAM BUSTAMI Alwi Bisri Amir Husin, Amir Arzam, Arzam Aulia, Nurhikmah Bayu Purnomo Fadhilah Hanum Lubis Fadhilah Hanum Lubis Fadhilah Hanum Lubis Hamdanil Hamdanil Hannum, Ummi Harahap, Mufti Fahrizal HM, Alimuddin Ian Alfian Kasman Kasman Lubis, Delima Sari Lubis, Fadhila Hanum Marlian Arif Nasution Marlian Arif Nasution Matondang, Riswandi Maulana Muklis Meliani Fitri Muhammad Fauzi Muhammad Irsan Barus Mursal Mursal Nasution, Rizky Auliya Nasution, Royhan Mustopa Nisa Brt, Ainun Nur Hidayah Batubara Putri Khairani, Zenni REZKI AGRISA DITAMA Risna Hayati Saniah Ilma Lubis Siti Sahara SITI SOPUROH Yusril Mahendra Zuhdi Hasibuan