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All Journal Journal of Accounting and Investment
Muhammad Ridhwan Ab Aziz
Department of Islamic Banking & Finance, Faculty of Economics and Muamalat, Universiti Sains Islam Malaysia
Economics, Econometrics & Finance

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Gender Differences, Framing, and Responsibility in Investment Decision-Making: An Experimental Study Barkah Susanto; Naufal Afif; Betari Maharani; Nur Laila Yuliani; Muhammad Ridhwan Ab Aziz
Journal of Accounting and Investment Vol 24, No 1: January 2023
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (504.735 KB) | DOI: 10.18196/jai.v24i1.15956

Abstract

Research aims: This study aims to investigate the effect of gender, framing, and responsibility on investment decision-making. Design/Methodology/Approach: This experimental study used a subject design of 2 x 2 x 2, in which 81 doctoral students participated. Furthermore, cross-tabulation was employed to analyze and examine the hypotheses.Research findings: The results revealed that positive and negative framing and responsibility levels would affect investment decision-making. This research also uncovered differences in risk preferences in decision-making between men and women. Additionally, both genders had varying preferences in making similar decisions.Theoretical contribution/Originality: Several studies have shown that when information is presented differently, here in after referred to as framing, it significantly influences decisions. However, the decision-making determination is influenced not only by framing but also by other variables. In this study, the framing variable, therefore, was tested jointly with the variables of responsibility and gender differences.
Determinants of Financial Decisions of Millennial Generation in Islamic Banking: Does Islamic Branding Matter? Abid Djazuli; Muhammad Ridhwan Ab Aziz; Mister Candera; Darma Yanti
Journal of Accounting and Investment Vol 24, No 1: January 2023
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (570.591 KB) | DOI: 10.18196/jai.v24i1.16451

Abstract

Research aims: This study aims to determine the financial decisions of the millennial generation by considering the Islamic financial literacy variables, reflected by the financial behavioral, knowledge, and attitude variables, and Islamic branding as a mediating variable.Design/Methodology/Approach: The approach used in this study was empirical. Utilizing questionnaires distributed through various online media, the data were collected. The research samples included the millennial generation in South Sumatra, filtered using a purposive sampling technique. To evaluate the hypotheses, Structural Equation Modeling (SEM) was employed. Research findings: The study findings highlighted that Islamic financial literacy directly had a positive and significant impact on the financial decisions of the millennial generation in South Sumatra. Islamic branding could also mediate (partial mediation) the influence of Islamic financial literacy on financial decisions. Theoretical contribution/Originality: This finding can be used as a reference for companies to increase the number of customers and investors, especially among the millennial generation. Specifically, Islamic branding can be recommended as one of the sharia banking business strategies to improve the financial decisions of the millennial generation.Research limitation/Implication: This study was only conducted in South Sumatra, making the result not quite strong in terms of external validity.
Co-Authors Abid Djazuli Barkah Susanto Betari Maharani Darma Yanti Mister Candera Naufal Afif Nur Laila Yuliani