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All Journal RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Jurnal Ekonomi, Manajemen, Akuntansi Fundamental and Applied Management Journal
Jumawan Jasman
Universitas Muhammadiyah Palopo, Indonesia
Religion Economics, Econometrics & Finance Education Social Sciences

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Pengaruh Literasi Keuagan dan Financial Technologi  Terhadap Minat Mahasiswa Dalam Berinvestasi Rosita Rosita; Jumawan Jasman; Asriany Asriany
Reslaj : Religion Education Social Laa Roiba Journal Vol 5 No 4 (2023): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (938.614 KB) | DOI: 10.47467/reslaj.v5i4.3407

Abstract

Financial literacy refers to the skills and measurements of objective information and individual knowledge related to personal financial management and decision making. The complexity of financial instruments and the development of information technology increase the interest of students in investing, the unit of analysis of which is the students of Muhammadiyah Palopo University. Primary data was obtained by distributing questionnaires, in which 82 respondents participated. The data analysis technique is multiple regression linear analysis. This study shows that financial literacy and financial technology influence investment interest. As for the financial technology variable, it does not have a significant effect on investment interest of Palopo Muhammadiyah University students. Keywords: Financial Literacy, Financial Technology, Investment Interest
Pengaruh Kinerja Environmental Sosial Governance (ESG) dan Intelektual Capital terhadap Pembiayaan Nurfani Nurfani; Jumawan Jasman; Hapid Hapid
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 4: Mei 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i4.16681

Abstract

Di tengah meningkatnya tuntutan terhadap pembiayaan yang berkelanjutan dan berbasis tata kelola yang bertanggung jawab, perusahaan pembiayaan dituntut untuk mengintegrasikan kinerja Environmental, Social, and Governance (ESG) serta penguatan Intellectual Capital dalam proses pengambilan keputusan bisnis. Penelitian ini bertujuan untuk menganalisis pengaruh kinerja ESG dan Intellectual Capital terhadap pembiayaan pada Mandiri Finance Kota Palopo. Penelitian ini menggunakan pendekatan kuantitatif asosiatif kausal dengan metode Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS). Data penelitian diperoleh melalui penyebaran kuesioner kepada lima puluh enam karyawan yang terlibat langsung dalam proses pembiayaan, dengan teknik total sampling. Analisis data dilakukan menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa kinerja ESG dan Intellectual Capital berpengaruh positif dan signifikan terhadap pembiayaan, dengan Intellectual Capital terbukti sebagai variabel yang paling dominan. Temuan ini mengindikasikan bahwa penguatan kompetensi sumber daya manusia, sistem organisasi, dan aset pengetahuan merupakan faktor strategis dalam meningkatkan kualitas serta efektivitas keputusan pembiayaan. Di sisi lain, implementasi ESG juga berperan penting dalam memperkuat reputasi perusahaan, mengelola risiko, dan mendukung keberlanjutan bisnis jangka panjang
Financial Literacy, Financial Attitude, and Sharia Investment Intention among Muslim Generation Z: The Moderating Role of Religiosity Hapid; Jumawan Jasman; Ahmad Ridhuwan bin Abdullah; Nasrullah
Fundamental and Applied Management Journal Vol. 4 No. 3 (2026): September
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v4i3.1218

Abstract

The growing participation of Generation Z in digital financial markets has increased the importance of understanding how financial capability, financial attitudes, and religious values jointly shape Sharia-compliant investment intentions. However, limited evidence explains whether religiosity strengthens the extent to which financial literacy and favorable financial attitudes translate into Sharia investment intention. This study examines the effects of financial literacy and financial attitude on Sharia investment intention and investigates the moderating role of religiosity among Muslim Generation Z. A quantitative research design was employed involving 212 Muslim Generation Z respondents aged 18–26 years in North Luwu Regency, South Sulawesi, Indonesia. Data were collected using purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 and bootstrapping with 5,000 resamples. The results indicate that financial literacy positively influences Sharia investment intention (β = 0.246, p = 0.001), while financial attitude has a stronger positive effect (β = 0.325, p = 0.001). Religiosity also has a positive lower-order effect on Sharia investment intention (β = 0.260, p = 0.013) and positively moderates the relationships between financial literacy and Sharia investment intention (β = 0.151, p = 0.048) and between financial attitude and Sharia investment intention (β = 0.199, p = 0.035). The model explains 42.4% of the variance in Sharia investment intention (R² = 0.424) and demonstrates predictive relevance (Q² = 0.318). The findings demonstrate that religiosity serves as a value-based boundary condition that strengthens the translation of financial capability and favorable financial attitudes into Sharia-compliant investment intention, providing practical implications for Islamic financial institutions, policymakers, investment platforms, and financial educators.
Co-Authors Ahmad Ridhuwan bin Abdullah Asriany Asriany Hapid Hapid Hapid Nasrullah Nurfani Nurfani Rosita Rosita