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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat 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 Sudirman, Wahyu Febri Ramadhan; Nurnasrina, Nurnasrina; Syaipudin, Muhammad; Priyatno, Arif Mudi
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.
SOSIALISASI MASYARAKAT BIDANG PENDIDIKAN, LINGKUNGAN SOSIAL DAN MODERASI BERAGAMA DI DESA PERKEBUNAN RAMUNIA, KEC. PANTAI LABU Kembaren, Dedi Syawal Azmie; Syaipudin, Muhammad; Annisa, Rizki Mutia; Arif, Muhammad
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 5, No 8 (2022): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v5i8.2714-2723

Abstract

Program Kuliah Kerja Nyata (KKN) dilaksanakan di desa Perkebunan Ramunia, Kec. Pantai Labu, Provinsi Sumatera Utara. Adapun maksud dari kegiatan Kuliah Kerja Nyata ini adalah untuk mengaktualisasikan khasanah keilmuan yang ada pada mahasiswa dan mengenalkan pada khalayak melalui Kuliah Kerja Nyata serta untuk membentuk generasi bangsa yang intelektual, cerdas, dan moralitas. Tata cara penerapan kegiatan KKN dilakukan dalam wujud pengumpulan informasi, sosialisasi dan bimbingan yang mengaitkan pemerintah dan penduduk dengan cara langsung. Bermacam kegiatan dilaksanakan, yaitu: peningkatan di bidang pendidikan, lingkungan sosial, serta bidang moderasi agama. Ada pula hasil yang dicapai antara lain: penerapan program kegiatan terselenggara 100% ini merupakan pencapaian yang lumayan bagus antara mahasiswa KKN dengan masyarakat di desa Perkebunan Ramunia. Tidak hanya itu, membagikan pembelajaran yang bernilai untuk mahasiswa KKN itu sendiri dalam bersosialisasi serta berbaur dengan masyarakat yang terjalin di desa Perkebunan Ramunia.
The Effectiveness of Microfinance Schemes in Promoting the Sustainability of Micro Enterprises in Developing Countries Andini, Bunga; Hasda, Mifta; Syaipudin, Muhammad
General Multidisciplinary Research Journal Vol. 3 No. 1 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v3i1.66

Abstract

Introduction: Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the national economy, particularly in job creation and strengthening the people's economy. However, limited access to formal financing sources remains a major obstacle hindering MSME performance. Microfinance serves as a crucial instrument for expanding financial inclusion and encouraging microenterprise development. This study aims to analyze the effect of microfinance on MSME performance. Methods: This study used a quantitative approach with a survey of 320 MSMEs who had received microfinance. Data were collected through a structured questionnaire that had been tested for validity and reliability. The sampling technique used purposive sampling, with the criteria being that respondents had received microfinance for at least one year. Data analysis was conducted using multiple linear regression to examine the effect of microfinance on MSME performance. Results: The analysis shows that microfinance has a positive and significant effect on MSME performance. Microfinance has been proven to improve business performance, as reflected in increased revenue, more efficient business management, and business sustainability. The results of the validity and reliability tests indicate that all research indicators meet the required measurement criteria, so the results of the hypothesis testing can be interpreted scientifically and reliably. Conclusion and Suggestion: This study concludes that microfinance is a significant factor in improving MSME performance. Therefore, it is recommended that microfinance institutions and policymakers not only expand microfinance distribution but also improve the quality of financing through schemes tailored to MSME needs and business mentoring support to ensure the sustainable impact of financing.
Co-Authors AMELIA, NUR Andini, Bunga Annisa, Rizki Mutia Arif Mudi Priyatno Diany Mairiza Hermawati, Sela Hidayat Hidayat Kembaren, Dedi Syawal Azmie Lismawati, Lismawati M. Zaim Mardiyah, Suci Mifta Hasda Mohd. Winario Muhammad Arif 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 Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun Zahrah, Alfiatun Zakir, Muhamamd Zubaidah Assyifa