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All Journal Marwah: Jurnal Perempuan, Agama dan Jender Jurnal Al-Iqtishad Jurnal Tabarru': Islamic Banking and Finance International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) ARSY : Jurnal Aplikasi Riset kepada Masyarakat Jurmas Azam Insan Cendikia Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi Journal of Emerging Economics and Business
Roza Linda
Fakultas Ekonomi Dan Ilmu Sosial UIN Suska Riau
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Social Sciences

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PENGARUH FINTECH PAYMENT, FINANCIAL EDUCATION IN FAMILY, KONFORMITAS TEMAN SEBAYA, HEDONISM LIFESTYLE DAN KONTROL DIRI TERHADAP PERILAKU PENGELOLAAN KEUANGAN MAHASISWA PERGURUAN TINGGI DI KOTA PEKANBARU Yanda Nofti hardi; Roza Linda
Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi Vol. 5 No. 1 (2026): Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/embistek.v5i1.244

Abstract

. Penelitian ini dilakukan pada mahasiswa yang menempuh pendidikan perguruan tinggi di Kota Pekanbaru. Tujuan dari penelitian ini untuk mengetahui pengaruh fintech payment, financial education in family,  konformitas teman sebaya, hedonism lifestyle dan kontrol diri terhadap perilaku pengelolaan keuangan mahasiswa. Penelitian menggunakan pendekatan kuantitatif  dan analisis regresi berganda dengan populasi yaitu mahasiswa perguruan tinggi di Kota Pekanbaru yang berjumlah 25.818 mahasiswa. Metode pengambilan sampel menggunakan non probability samping dengan pendekatan accidental sampling. Sampel penelitian ini berjumlah 324 mahasiswa. Hasil penelitian ini menunjukkan secara parsial financial education in family,  konformitas teman sebaya dan kontrol diri berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan mahasiswa, sedangkan fintech payment berpengaruh negatif signifikan terhadap perilaku pengelolaan keuangan mahasiswa. Koefisien Determinasi (R²) dengan nilai 0,279 atau 27,9% variabel dependent penelitian ini dipengaruhi oleh financial technology, financial literacy, financial attitude dan locus of control secara simultan sebesar 27,9%, sementara sisanya 72,1% dipengaruhi oleh variabel lain yang tidak digunakan dalam penelitian ini.
PENGARUH LITERASI KEUANGAN, HERDING, PERSEPSI RISIKO, DAN ILLUSION OF CONTROL TERHADAP KEPUTUSAN INVESTASI EMAS LOGAM MULIA (Studi Kasus PT. Pegadaian Syari’ah Cabang Soebrantas Panam Pekanbaru) Dwi Wahyuni; Roza Linda
Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi Vol. 5 No. 1 (2026): Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/embistek.v5i1.245

Abstract

This quantitative study was conducted with the main focus on examining the extent to which behavioral and cognitive variables—including Financial Literacy (X1), Herding (X2), Risk Perception (X3), and Illusion of Control (X4)—affect Investment Decisions (Y) of clients at PT Pegadaian Syariah Soebrantas Branch. The method used involved collecting primary data from 129 respondents. Sampling was carried out through purposive sampling, where respondents were selected based on criteria established by the researchers. The data collected using a Likert-scale questionnaire were then processed and analyzed using the Multiple Linear Regression method with the help of SPSS 21 statistical software. The variables of financial literacy, herding, risk perception, and illusion of control dominated the influence on investment decisions, contributing a total of 32%, while the remaining effect was influenced by other variables that were not tested. Keywords: Financial Literacy, Herding, Risk Perception, and Illusion of Control, Investment Decisions
Mapping the Potential and Challenges of Islamic Economics in Riau Province: A Comparative Study of Districts/Cities Based on the Islamic Economic Index Sabarno Dwirianto; Martin; Musnawati; Roza Linda; Rendika Adisman
Journal of Emerging Economics and Business Vol. 1 No. 3 (2026): August
Publisher : Suria Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67467/jeeb.v1i3.159

Abstract

Islamic economics has become one of the strategic pillars of regional economic development in Indonesia, including in Riau Province, which holds substantial potential that has not yet been systematically mapped at the district/city level. This study aims to map the potential and challenges of Islamic economic development in Riau Province through a comparative approach across regions based on Islamic Economic Index indicators. The research employs a library research design with a systematic literature review approach and descriptive-qualitative analysis. Data sources consist of official publications from authoritative institutions (BPS Riau Province, Bank Indonesia, KNEKS, OJK, and the Riau Provincial Government) as well as academic literature collected through documentary study techniques and analyzed using content analysis and descriptive-comparative analysis. The results show that Riau holds an institutional advantage as the first province to simultaneously have a Governor Regulation on Islamic Economics, a Regional Committee for Islamic Economy and Finance (KDEKS), and a fully sharia-based regional development bank. The halal industry sector has grown significantly, with halal-certified businesses increasing from 16,050 to 35,432 between 2023 and 2026, accompanied by halal export values reaching US$10.43 billion. Riau's financial literacy and inclusion indices were recorded as the highest nationally, although Islamic financial literacy specifically still lags behind. The study also found variation in potential across districts/cities, indicating the need for differentiated policy approaches to Islamic economic development. This research contributes theoretically by enriching subnational Islamic economic mapping studies and practically by serving as a reference for local governments and KDEKS in formulating more contextual and data-driven policies for Islamic economic development in Riau Province.
MENUMBUHKAN SIKAP DERMAWAN DAN PEDULI SESAMA PADA ANAK MELALUI PROGRAM RAMADHAN BERBAGI Roza Linda; Maya Indah Kurnia; Rahmawati Rahmawati; Sholikhatul Baddriyah
Azam Insan Cendikia Vol. 5 No. 2 (2026): Jurmas Azam Insan Cendikia
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/pkm.v5i2.293

Abstract

Program Ramadan Berbagi dilaksanakan sebagai kegiatan pengabdian kepada masyarakat untuk menumbuhkan sikap dermawan dan peduli sesama pada anak usia dini. Kegiatan ini berangkat dari kebutuhan untuk menghadirkan pengalaman belajar yang konkret agar nilai berbagi tidak berhenti pada penjelasan verbal. Tujuan kegiatan adalah mengenalkan makna berbagi, melatih anak memberikan sebagian miliknya, membangun empati, dan membiasakan kepedulian terhadap orang lain. Kegiatan menggunakan pendekatan partisipatif melalui tahap persiapan, pengenalan nilai, praktik berbagi, pendampingan, dan refleksi. Anak terlibat dalam cerita tematik Ramadan, diskusi sederhana, pengumpulan barang atau dana berbagi, pengemasan paket, serta kegiatan penyaluran bantuan dengan pendampingan guru dan orang tua. Evaluasi dilakukan melalui observasi perilaku dengan indikator berbagi, membantu, bekerja sama, menunjukkan empati, dan menghargai penerima manfaat. Hasil pelaksanaan menunjukkan bahwa pengalaman berbagi secara langsung membantu anak memahami hubungan antara nilai agama dan perilaku sosial. Anak lebih mudah mengekspresikan kepedulian ketika guru memberikan contoh, kesempatan praktik, dan penguatan yang konsisten. Program ini menunjukkan bahwa Ramadan dapat dimanfaatkan sebagai konteks pembelajaran karakter yang konkret, menyenangkan, dan bermakna. Keberlanjutan program perlu didukung melalui pembiasaan berbagi di sekolah dan keluarga.
Co-Authors Afrinaldy Rustam Arie Yusnelly Ary Rahmat Ramadhan Azura Pratiwi Candra Bukhari Dendy Suherman Dinda Wulandari Dwi Wahyuni Ege Syamseptiadi Eza Juwita Fitrianti Mutia Syaputri Khairatul May Putri Khairatul May Putri Khairunsyah Purba Martin Maya Indah Kurnia Melysha Salsha Febrylia Muhammad Af Rendi Muhammad Romy Saputra Musnawati, Musnawati Ratna Nurani Rendika Adisman Rivatul Aina Sabarno Dwirianto Samratus Silmi Sholikhatul Baddriyah Siti Mardiani Alfiah Sitti Rahma Suryadi, Nanda Wahyu Hidayat Wahyudi Wahyudi Yanda Nofti hardi Yayu Kusdiana Yolanda Ardhana