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All Journal Indonesian Journal Economic Review (IJER) Journal of Economics, Entrepreneurship, Management Business and Accounting Journal Of Economic Cluster
Riduwansah
Universitas Islam Negeri Raden Fatah Palembang
Economics, Econometrics & Finance

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The Effect of Risk Perception and Income on Investment Decisions Tanti Widia Nurdiani; Riduwansah; Rudi Ginting; Gatot Dwiyono; Nini
Indonesian Journal Economic Review (IJER) Vol. 6 No. 2 (2026): June
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ijer.v6i2.816

Abstract

This study examines how risk perception and income shape investment decisions among students of the Faculty of Economics and Business at ABC University, Jakarta. The issue is relevant because student investors often enter financial markets with uneven financial literacy, modest income, and different tolerance toward uncertainty. A quantitative design was applied using primary data collected through questionnaires. Since the population was manageable, census sampling was used, and 75 students became respondents. The data were tested with Partial Least Squares (PLS) to assess the direct and joint effects of the independent variables. The findings indicate that risk perception and income influence investment decisions both individually and jointly. The model explains 91% of the variation in investment decisions, while 9% is affected by variables outside this research. Although the explanatory value is high, the result should be read carefully because investment behavior among students may also be shaped by financial literacy, peer influence, digital investment platforms, and market information. This study suggests that better risk understanding and income management can support more rational student investment behavior.
Bridging the Digital Divide with Spirituality: Social Commerce and Sharia Marketing Ethics among Rural Culinary MSMEs Anisa Fitri; Mufti Fiandi; Riduwansah
Journal Of Economic Cluster Vol. 3 No. 1 (2026): JoEC: Journal of Economic Cluster
Publisher : CV. Era Digital Nusantara

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Abstract

Digital transformation in rural areas is frequently confronted with the characteristics of agrarian communities and infrastructural limitations. This study aims to analyze the contribution of digital marketing strategies toward increasing the revenue of culinary MSMEs in Mekarsari Village, map out the structural obstacles faced, and evaluate the alignment of these digital business operations with the principles of Sharia Marketing Ethics. Utilizing a qualitative approach with a descriptive-analytical design, data were gathered through in-depth interviews with three key informants, social media observations, and source triangulation. The results indicate that the adoption of simple social media platforms (WhatsApp and Facebook) significantly increased self-reported estimated monthly net revenue by IDR 2,500,000 to IDR 5,000,000 through the optimization of hyper-local social network effects and communal bulk orders. However, this implementation remains suboptimal due to structural constraints such as internet signal instability, low digital literacy, and a lack of formal training. From an Islamic economic perspective, the digital marketing activities of these business actors have internalized the values of siddiq, amanah, tabligh, and fathanah. Nonetheless, a gap persists within the formal-legality dimension, as none of the MSMEs possess an official Halal Certification from BPJPH. Theoretically, this study offers a novel contribution by bridging the gap between basic technology adoption and spiritual values. It extends the Digital Empowerment Theory by demonstrating that low-complexity social commerce, when embedded in strong rural social capital, effectively drives micro-level economic resilience. Furthermore, it enriches Islamic marketing literature by conceptualizing how Sharia ethics operate substantively in informal digital ecosystems before formal halal institutionalization. Practically, this study implies the importance of local government synergy in strengthening digital literacy and facilitating halal legality to foster spirituality-based rural economic sustainability.
The Effects of Asset Spread and Good Corporate Governance on Profit Distribution Management in Indonesian Islamic Commercial Banks Mismiwati; Riduwansah; Rika Lidyah
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1462

Abstract

Purpose : This study aims to examine the relationship between Asset Spread, Good Corporate Governance (GCG), and Profit Distribution Management (PDM) in Islamic Commercial Banks in Indonesia during the 2020–2025 period. The study specifically investigates whether Asset Spread and governance mechanisms are associated with banks’ profit distribution practices, while considering the potential relevance of Displaced Commercial Risk (DCR) as a theoretical perspective. Design/Methodology/Approach : This study employs a quantitative approach using secondary data from eight Islamic Commercial Banks in Indonesia selected through purposive sampling. The study utilizes a balanced panel dataset consisting of 48 bank-year observations. The empirical analysis is conducted using a Two-Way Fixed Effects (TWFE) model with bank-clustered robust standard errors. Robustness tests are performed by incorporating additional control variables, including the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing-to-Deposit Ratio (FDR). Findings : The findings indicate that Asset Spread has a statistically significant negative relationship with Profit Distribution Management, while Good Corporate Governance does not demonstrate a statistically significant relationship with PDM. The negative association between Asset Spread and PDM remains consistent across alternative model specifications after including additional control variables. These results suggest that Displaced Commercial Risk may provide a relevant theoretical explanation for understanding how banks’ return-generating capacity relates to profit distribution practices; however, the findings do not establish a causal relationship. Originality/Value : This study contributes to the literature by positioning Asset Spread as a potential explanatory factor for Profit Distribution Management and examining it alongside a composite measure of Good Corporate Governance within an integrated economic and governance framework. Furthermore, this study highlights the limitation of composite GCG self-assessment scores in capturing governance dimensions that may be more directly relevant to profit distribution decisions in Islamic banking.
Co-Authors Africano, Fernando Anisa Fitri Gatot Dwiyono Karinta Fakhira MISMIWATI, MISMIWATI MISMIWATI Muftifiandi Muftifiandi, Muftifiandi Nini Oki Sania Riski Rika Lidyah Rudi Ginting Tanti Widia Nurdiani