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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal AL-AHKAM ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah An-Nisbah : Jurnal Perbankan Syariah JEBI (Jurnal Ekonomi dan Bisnis Islam) Maqdis: Jurnal Kajian Ekonomi Islam Istithmar: Jurnal Studi Ekonomi Syariah
Aidil Novia
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Determinants of Sharia Stock Investment Decisions: The Role of Investment Interest and Financial Behavior Bastian, Adol; Aidil Novia; Meirison
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.55324

Abstract

The significant increase in investor participation in the sharia capital market, especially among the younger generation, requires an understanding of the factors that influence investment decisions. This study aims to examine the effect of financial literacy, risk perception, and herding behavior on sharia stock investment decisions, with interest as a mediating variable and financial behavior as a moderating variable. The method used is a quantitative approach with primary data from 391 active investors of PT FAC Sekuritas Indonesia Jambi Branch. Sampling using purposive sampling, and analysis was carried out through SEM-PLS with SmartPLS 4. The results of the study indicate that financial literacy, risk perception, and herding behavior have a significant positive effect on investment interest. Interest fully mediates the relationship between financial literacy and risk perception on investment decisions. Conversely, the direct influence of both is not significant. Herding behavior also has a significant direct effect on investment decisions, but is partially mediated by interest. Financial behavior does not significantly moderate the tested relationship. These findings indicate that interest and social influence are more decisive in determining sharia investment decisions than rationality alone, so that the investor education approach needs to combine psychological and social aspects.
Optimalisasi Teknologi Financial Intelligence dalam Deteksi dan Pencegahan Fraud di Fintech Syariah Erizal Candra Efendi; Irwandi Jaswir; Ahmad Wira; Aidil Novia
Istithmar Vol. 9 No. 1 (2025): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v9i1.1997

Abstract

Fintech syariah telah menjadi solusi inovatif dalam menyediakan layanan keuangan berbasis syariah, namun tantangan terkait fraud masih menjadi perhatian utama. Artikel ini bertujuan untuk mengeksplorasi optimalisasi teknologi Financial Intelligence (FI) dalam mendeteksi dan mencegah fraud di sektor fintech syariah. Melalui kajian literatur, ditemukan bahwa teknologi seperti big data, kecerdasan buatan (AI), dan pembelajaran mesin memiliki kemampuan untuk menganalisis pola transaksi secara real-time dan mendeteksi aktivitas mencurigakan yang bertentangan dengan prinsip syariah. Meskipun demikian, implementasi teknologi FI menghadapi kendala, seperti kualitas data yang rendah, keterbatasan literasi digital pengguna, kompleksitas penyesuaian algoritma dengan prinsip syariah, serta kurangnya regulasi yang memadai. Penelitian ini menggunakan metode studi kepustakaan untuk menganalisis literatur relevan dari berbagai jurnal, buku, dan laporan terkait. Hasil penelitian menunjukkan bahwa FI memiliki potensi signifikan dalam menciptakan ekosistem fintech syariah yang aman dan sesuai syariah, asalkan kendala diatasi melalui kolaborasi multidisiplin dan penguatan regulasi.
Co-Authors AHMAD WIRA Alfen Arqani ANDRIYANI SOFYAN Aninda Sevia Annisa Putri Arif Septianda Azmi Hakim Bastian, Adol DEBY ANUGRAH Desy Prantika Erizal Candra Efendi Farah Ilmi Arfat Farhana Arini Fauziah Fegid Dian Putra Finda Sumarni Fuja Tri Handayani Gedy Alvino Gufron Ibnu Malkhan Habil Winnu Satria Hulwati Hulwati Imam Tahalli Irwandi Jaswir Jihan Fauziah Lara Aziza Putri Lisa Etopia Liza Yulnita Mayada Mayada Meirison Muhammad Zikrul Nada Salsabila Lisandria Okta Dwi Nadia Oktavania Syuhada Rahman Jalaludin Siregar Renaldi Firnando Resti Fauzi Riri Fitria Robi Harjoni Putra Romy Yunika Putra Saiful Ihwan Salma Fitri Cahyani Selvi Septiana Sherly Sumaiyah Silvinar Silvinar Tika Fatimah Ulia Santika Mentari Vio Agusta Pratama Wahyu Sriutami