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All Journal Jurnal Teknik Industri Terintegrasi (JUTIN) International Journal on Social Science, Economics and Art Money: Journal of Financial and Islamic Banking CARE: Jurnal Pengabdian Multi Disiplin Journal Of Community Sustainability General Multidisciplinary Research Journal Journal of Financial and Business Journal of Community Service and Empowerment
Muhammad Syaipudin
Universitas Pahlawan Tuanku Tambusai
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Public Health Social Sciences Other

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The Effect of Overconfidence Bias on Investment Decision: Sharia Stock Considerations Wahyu Febri Ramadhan Sudirman; Nurnasrina Nurnasrina; Muhammad Syaipudin; Arif Mudi Priyatno
Jurnal Teknik Industri Terintegrasi (JUTIN) Vol. 7 No. 2 (2024): April
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jutin.v7i2.26091

Abstract

Investment decisions are a complex process involving risk evaluation, market analysis, and investment return projections. In the decision-making process, investors sometimes show irrational behavior because they have cognitive limitations and previous investment experience so investors are exposed to overconfident behavior. This research used 178 samples consisting of investors who had investment experience of at least 1 year. The research carried out instrument testing and used the common method bias (CMB) testing procedure. The analytical method in the research uses simple linear regression. The results of testing the research hypothesis obtained positive and significant results of overconfidence bias towards irrational investment decisions The moderating role of sharia sharia considerations on the relationship between overconfidence bias and unsupported investment decisions. This research reveals that overconfidence can have a positive influence on irrational investment decision-making. Investors who tend to have excess confidence in their knowledge and skills in analyzing the market tend to make investment decisions that are more impulsive, less rational and sometimes ignore risks significantly. Future research is recommended to further investigate the mechanisms behind the relationship between overconfidence and irrational investment decision-making, as well as involving a wider sample to obtain stronger generalizations.
Pelatihan Desain Kemasan Produk Yang Menarik Bagi Pelaku UMKM Kampar Muhammad Syaipudin; Saru Reza; Hidayat Hidayat
Journal of Community Service and Empowerment Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

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Abstract

Attractive product packaging design training for Micro, Small, and Medium Enterprises (MSMEs) was carried out to increase the competitiveness of local products by improving the quality of packaging. Product packaging functions as a protector and an important marketing tool in building brand image and attracting consumer interest. This training provides knowledge and skills to MSMEs in designing aesthetic, functional packaging that follows product characteristics and target markets. Through a practical approach, the training succeeded in increasing participants' understanding of the importance of packaging in business strategy. The training results showed an increase in the visual quality of the packaging produced by the participants, as well as a positive impact on their product sales. In addition, this training also facilitated the formation of collaborative networks among MSMEs, which can support their sustainable business growth. In conclusion, this training contributed significantly to increasing the competitiveness of MSMEs and is expected to be a model for MSME development programs in the future.
Urgensi Konsep dan Teori Uang dalam Islam bagi Siswa SMK IT AL-Izhar Pekanbaru Saru Reza; Muhammad Syaipudin; Diany Mairiza; Mifta Hasda; Suci Mardiyah
Journal of Community Service and Empowerment Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

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Abstract

This community service program aims to improve students' understanding of the concept and theory of Islamic finance. This research is motivated by the need to equip the younger generation with in-depth knowledge of financial management following Islamic principles, in order to face economic challenges in the future. The methods used in this program include a participatory and educational approach, with the main activities being interactive learning sessions, financial planning simulations, and group discussions. This program improves students' understanding of the principles of Islamic finance, such as the prohibition of usury, gharar, and maysir. Students not only gain theoretical knowledge but also practical skills in managing finances through Islamic teachings. The positive impacts felt include changes in students' attitudes towards financial management, increased collective awareness of the importance of Islamic financial literacy, and strengthening relationships between students, teachers, and parents. Overall, this program has succeeded in achieving its main objective, which is to equip students with the knowledge and skills to apply Islamic financial principles in their lives, and is expected to contribute to the formation of a financially intelligent young generation committed to Islamic values.
Does Investment Literacy Reduce the Impact of Investors' Cognitive Biases While Investing? (Role of Gender Difference) Sudirman, Wahyu Febri Ramadhan; Syaipudin, Muhammad; Hasda, Miftah; Priyatno, Arif Mudi; Mardiyah, Suci; Zahara, Alfiatun
International Journal on Social Science, Economics and Art Vol. 14 No. 4 (2025): February: Social Science, Economics
Publisher : Institute of Computer Science (IOCS)

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Abstract

This study examined the role of investment literacy in reducing cognitive biases in investment decisions, particularly availability bias, overconfidence bias, and herding bias. Using a quantitative explanatory approach, data were collected from 392 stock investors in Indonesia through surveys. The study employed Multi-Group Analysis (MGA) to assess the moderating effect of gender on the relationship between investment literacy and cognitive biases. The findings indicated that higher investment literacy significantly reduced all three biases, enabling investors to process information more objectively, assess their abilities more realistically, and make independent decisions. However, the moderating effect of gender was only significant in the relationship between investment literacy and overconfidence bias, while it had no significant impact on availability bias and herding bias. These results underscore the importance of investment literacy in minimizing irrational decision-making. The findings have practical implications for investors in improving their financial decision-making, for policymakers in designing effective financial education programs, and for academics in further developing behavioral finance research.
Implementasi Edukasi Ekonomi Syariah Pada Siswa SMK IT Al-Izhar Pekanbaru Zakir, Muhammad; Mairiza, Diany; Syaipudin, Muhammad; Hidayat, Hidayat; Reza, Saru; Hasda, Mifta
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.166

Abstract

This community service is carried out for SMK IT Al Izhar Pekanbaru students, the purpose of this community service is to determine the level of understanding of SMK IT Al Izhar Pekanbaru students about the development of Islamic banks in Indonesia. The methods used in this community service activity are counseling, presentations and discussions. The results of the community service show that: The community service program for SMK IT Al Izhar Pekanbaru students can be organized well and run smoothly according to the activity plan that has been prepared, the results of this community service concluded that: First, SMK IT Al Izhar Pekanbaru students' understanding of the development of Islamic banks in Indonesia varies, some already understand, some are still hesitant, some even do not understand, Second, The achievement of the objectives of the community service program for SMK IT Al Izhar Pekanbaru students, the entire program that has been carried out with collaboration between business owners and community service workers has been carried out all and in accordance with the event rounddown and the time that has been determined previously.  
Pelatihan Peningkatan Literasi Keuangan Syariah Pada Siswa SMA IT Al-Utsaimin Bangkinang Khairi, Rifqil; Mairiza, Diany; Hasda, Mifta; Hidayat, Hidayat; Reza, Saru; Syaipudin, Muhammad
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.167

Abstract

This community service is carried out for SMA IT Al Utsaimin Bangkinang students, the purpose of this community service is to find out about Sharia Contract Education and the Development of Sharia Economics for SMA IT Al Utsaimin Bangkinang students. The methods used in this community service activity are counseling, presentations and discussions. The results of the community service show that: The community service program for SMA IT Al Utsaimin Bangkinang students can be organized well and run smoothly according to the activity plan that has been prepared, the results of this community service concluded that: First, SMA IT Al Utsaimin Bangkinang students, some already understand, some are still hesitant, some even do not understand, Second, The achievement of the objectives of the community service program for SMA IT Al Utsaimin Bangkinang students, the entire program that has been carried out with collaboration between business owners and community service workers has been carried out all and in accordance with the event rounddown and the time that has been determined previously.
The Role of Religiosity in Shaping Ethical Business Behavior among MSME Actors in the Elementary School Environment of Pekanbaru City Syaipudin, Muhammad; Zakir, Muhamamd; Hidayat, Hidayat
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.46

Abstract

Introduction:This research is motivated by the importance of religiosity in shaping ethical business behavior, particularly among MSMEs in Pekanbaru City's Public Elementary Schools (SDN). In the context of increasingly competitive economic development, moral and spiritual values ​​are a crucial foundation for maintaining justice and blessings in business activities. Methods:This study employed a descriptive quantitative approach with a survey method. Data were collected through offline questionnaires distributed to 66 MSME respondents within the Pekanbaru City elementary school environment from September 2023 to July 2024. The study population comprised 193 public elementary schools in Pekanbaru City, and the sample size was determined using the Slovin formula with a 10% precision. Data collected included respondent characteristics (gender, age, education level) as well as indicators of religiosity and ethical business behavior. Results:The results showed that the majority of respondents were male (73%), with a productive age group of 30–39 years (47%), and a high school education level (55%). High levels of religiosity have been shown to be positively correlated with ethical business behavior. Business actors with a good understanding and practice of religion tend to be more honest, responsible, and fair in their trading activities. Conclusion and Suggestion: This study concludes that religiosity has a significant influence on the formation of ethical business behavior among MSMEs. Religious values ​​serve as moral guidelines for conducting business in accordance with the principles of justice and blessings. Therefore, it is recommended that local governments, religious institutions, and schools collaborate in providing education and guidance on Islamic business ethics for MSMEs within the school environment.
Penguatan Pemahaman dan Kesadaran Siswa MA PPMTI Tanjung Berulak Air Tiris terhadap Prinsip Keuangan Syariah Syaipudin, Muhammad; Hasda, Miftah; Riski, Syafnur Muhammad; Mardiyah, Suci
CARE: Journal Pengabdian Multi Disiplin Vol. 3 No. 2 (2025)
Publisher : Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/care.v3i2.50945

Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan di Pondok Pesantren Madrasah Tarbiyah Islamiah (PPMTI) Tanjung Berulak dengan tema “Peningkatan Kesadaran dan Pengetahuan Prinsip Keuangan Syariah bagi Santri PPMTI Tanjung Berulak.” Tujuan kegiatan ini adalah untuk meningkatkan dan mengukur tingkat kesadaran serta pemahaman santri terhadap prinsip-prinsip keuangan syariah. Dalam rangka mencetak generasi muda yang tidak hanya memahami nilai-nilai keislaman tetapi juga mampu menerapkan prinsip keuangan syariah, kegiatan ini memberikan edukasi mengenai konsep dasar keuangan syariah dan implementasinya dalam lembaga keuangan syariah, khususnya pada bank syariah. Metode pelaksanaan kegiatan meliputi tahapan persiapan, pelaksanaan, dan evaluasi. Tahap persiapan dilakukan melalui koordinasi dengan pihak pesantren, penyusunan materi, dan pembuatan media pembelajaran. Tahap pelaksanaan menggunakan metode ceramah dan diskusi interaktif, diikuti oleh santri kelas 12. Setelah penyampaian materi, dilakukan sesi tanya jawab untuk memperdalam pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan kesadaran dan pengetahuan santri terhadap prinsip keuangan syariah serta meningkatnya antusiasme mereka untuk menerapkannya dalam kehidupan sehari-hari. Kegiatan ini diharapkan dapat memberikan manfaat berkelanjutan bagi para santri dan menjadikan mereka sebagai agen perubahan dalam mempromosikan keuangan syariah di lingkungan pesantren maupun masyarakat luas.
Comparative Analysis of The Benefits of Sukuk and Bonds in Indonesia Mardiyah, Suci; Zahrah, Alfiatun; Syaipudin, Muhammad; Hasda, Mifta; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.13

Abstract

This research aims to analyze the comparison of profits between sukuk and bonds in Indonesia, focusing on aspects such as structure, principles, and regulations, as well as the risk and profit profile of each instrument. Sukuk, which is based on Islamic sharia principles, offers the benefits of real asset ownership and profit-sharing-based income, while conventional bonds offer certainty of income through fixed interest payments. This study also discusses regulations governing the issuance of sukuk and bonds, and their impact on investment security and transparency. The analysis results show that sukuk are more attractive to investors who seek sharia compliance and stability in real assets, while bonds are more attractive to those who want income certainty and investment flexibility. This research concludes that the choice between sukuk and bonds must be adjusted to the risk profile, investment objectives, and personal preferences of each investor in Indonesia.
Development of Mutual Funds in The Indonesian Capital Market Rizky, Syafnur Muhammad; Andini, Bunga; Hasda, Mifta; Syaipudin, Muhammad; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.15

Abstract

This research examines the development of mutual funds in the context of the Indonesian capital market. Mutual funds have become one of the investment instruments that is increasingly popular and important in diversifying investor portfolios in Indonesia. This research aims to analyze the factors that influence the growth of mutual funds, the role of regulation in regulating the market, and the challenges faced in optimizing the potential of mutual funds as an effective and safe investment instrument. This study uses a descriptive-analytical approach by collecting secondary data from various literature sources related to the development of capital markets and mutual funds in Indonesia. The analysis results show that the growth of mutual funds is influenced by increasing public financial awareness and ease of access to information about investment products. The regulatory role carried out by the Financial Services Authority (OJK) also contributes to creating a more structured and safe investment environment for investors. However, several challenges need to be overcome, such as market fluctuations which can affect investment values, liquidity problems in several types of mutual funds, as well as expanding financial education to the public. Better regulation is needed to address these challenges and increase transparency and protection for investors.
Co-Authors AMELIA, NUR Andini, Bunga Arif Mudi Priyatno Diany Mairiza Hermawati, Sela Hidayat Hidayat Hidayat Hidayat Lismawati, Lismawati M. Zaim Mardiyah, Suci Mifta Hasda Mohd. Winario Muhammad Zakir Nurnasrina Nurnasrina Ramadhan, Al Insani Mutiara Rifqil Khairi Rinda Fithriyana Riski, Syafnur Muhammad Rizky, Syafnur Muhammad Sari, Efti Novita Saru Reza Suci Mardiyah Suci Mardiyah Syafnur Muhammad Rizky Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun Zahrah, Alfiatun Zakir, Muhamamd Zubaidah Assyifa