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All Journal Jurnal Bestari Edukasi Islami: Jurnal Pendidikan Islam Business Management Analysis Journal (BMAJ) JPM (Jurnal Pendidikan Modern) Al Hikmah: Journal of Education BIOCHEPHY: Journal of Science Education Jurnal Manajemen Bisnis dan Kewirausahaan Asian Journal of Innovative Research in Social Science Literasi: Jurnal Pendidikan Guru Indonesia JISPE Journal of Islamic Primary Education The Es Economics and Entrepreneurship AL QALAM JURNAL KEPENDIDIKAN ALPHATEACH (JURNAL PROFESI KEPENDIDIKAN DAN KEGURUAN) Jurnal Pengabdian Masyarakat dan Riset Pendidikan West Science Islamic Studies E-CLUE Journal of English Culture, Language, Literature and Education Global Review of Tourism and Social Sciences
Noor Aziz, Noor
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Physics Social Sciences Other

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Journal : West Science Islamic Studies

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The Influence of Islamic Financial Literacy, Trust, and Risk Perception on Retail Sukuk Investment Decisions among Muslim Investors in Indonesia Aziz, Noor; Nevia, Yayah Ikhda; Listanti, Maya
West Science Islamic Studies Vol. 4 No. 02 (2026): West Science Islamic Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsiss.v4i02.2800

Abstract

This study investigates the influence of Sharia financial literacy, trust, and risk perception on retail sukuk investment decisions among Muslim investors in Indonesia. Employing a quantitative research design, primary data were collected from 150 respondents using structured questionnaires measured on a Likert scale. The data were analyzed using SPSS version 25, including descriptive statistics, validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results reveal that Sharia financial literacy and trust have a positive and significant effect on retail sukuk investment decisions, while risk perception has a negative and significant effect. Among the variables, trust is identified as the most influential factor in shaping investment behavior. Simultaneously, all independent variables significantly affect investment decisions, with a coefficient of determination (R²) of 0.564, indicating that 56.4% of the variation in investment decisions is explained by the model. These findings highlight the importance of improving Islamic financial literacy, strengthening institutional trust, and managing perceived risks to enhance participation in retail sukuk investments. This study contributes to the growing literature on Islamic finance by providing empirical insights into behavioral determinants of investment decisions in a developing country context.
Co-Authors Adi, Nugroho Prasetya Adiningsih, Rofikotun Wahyu Agustiani, Dian Putri Ahmad Khoiri Alivia, Reza Ardiansyah, Dimas Bayu Dwi Ardik Praharjo Arumingtyas, Fida Astina, Chairani Atika Lestari, Sindi Azzahra, Kamila Eko Purnomo El Syam, Robingun Suyud Erliyan, Naila Fatiatun, Fatiatun Firdaus Firdaus Firdaus Hasanah, Laela Nur Hidayat, Wildan Nur Hogas, Reynal Kusuma Ida Zahara Adibah, Ida Zahara Ifatulloh, Wahyu Iqbal Ramadhani Fuadiputra Judijanto, Loso Kurniawan, Erwin Putra Ragil Wahyu Latifah Latifah Listanti, Maya M. Daud Yahya, M. Daud Mahendika, Devin MARSUDI Masruroh, Umi Sofiyatun Mulyani, Pamungkas Stiya Ni Putu Juliani Lestari Dewi Nur Aufaa, Rifqi Pakpahan, Binsar Maruli Tua Rahman, Rifqi Aulia Rotul Krisdayanti, Aprilia Rusli Hereng Sari, Titis Nistia Siti Noor Aini Sudiyono, Widhiyo Sunanih Syakur Sf, Mahlail Wiwik Handayani Yayah Ikhda Nevia Zulkifli Musthan, Zulkifli