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All Journal Jurnal Akademik Pengabdian Masyarakat International Journal of Management, Business and Social Sciences IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Universal Business and Management Review
Saiful Bahri
Universitas Wahid Hasyim
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences

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Knowledge, Risk Preference And Investment Return On Student Investing Interest In The Islamic Capital Market Selamat Muliadi; Willson Gustiawan; Hakim Hakim; Saiful Bahri; Alfiana Alfiana
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 12 No 1 (2023): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v12i1.1116

Abstract

This research aims to analyze and show the effect of investment knowledge, risk preferences, and investment returns on student investment interest. This research uses quantitative methods with regression analysis. The research population was 3,710 students of the Faculty of Islamic Economics and Business, State Islamic University of Mataram. The sampling technique uses accidental sampling. The sample size was calculated using the Slovin approach to obtain a sample of 98 respondents. The data source comes from primary data in questionnaires and secondary data from the literature. Data analysis was carried out with several tests, including validity tests, reliability tests, classic assumption tests, multiple linear regression analysis, and coefficient of determination tests using IBM SPSS version 21 software. The results of this study indicate that investment knowledge and returns positively and significantly affect student investment interest. Risk preference does not influence student investment interest. These findings can be used as a reference for policymaking for the Indonesia Stock Exchange (IDX) in increasing the number of investors targeting the millennial generation.
Pelatihan Investasi Reksa Dana Bagi Generasi Z Komunitas CFC Semarang sebagai Solusi Ketahanan Finansial di Tengah Ketidakstabilan Ekonomi Saiful Bahri; Maeni Maeni; Deswita Siti Nurul Aeni
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 4 No. 4 (2026): JULI
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v4i4.11044

Abstract

Global economic instability and high financial market fluctuations present significant challenges for novice investors, particularly Generation Z who are newly entering the investment world. The main problems encountered include limited knowledge of investment instruments, restricted initial capital, and vulnerability to losses due to stock price volatility. This community service activity aims to enhance financial literacy and mutual fund investment skills among members of the Cerdas Financial Community (CFC) Semarang, which represents Generation Z in Semarang City. The training was conducted at the Sinarmas Sekuritas Branch Building in Semarang, employing a methodology that combined theoretical introduction to mutual fund instruments with practical purchase simulations and direct asset monitoring. Results indicate a significant improvement in participants' understanding of mutual fund types, purchasing mechanisms, risk management, and defensive investment strategies amid uncertain economic conditions. Mutual funds are proven to be suitable instruments for Generation Z novice investors as they offer automatic diversification, are managed by professional investment managers, and can be initiated with affordable minimum capital. This activity is expected to foster the growth of smart and sustainable investment culture among Generation Z in Semarang.
The Influence of Behavioral Biases and Islamic Financial Literacy on Investment Decisions of Young Investors in Malaysia Saiful Bahri; Ahmad Ridhuwan bin Abdullah; Sunarto; Deswita Siti Nurul Aeni; Laila Hasna Risqiya
International Journal of Management, Business, and Social Sciences Vol. 4 No. 2 (2025): November
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/ijmbs.v4i2.14518

Abstract

This study aims to analyze the influence of behavioral bias and Islamic financial literacy on students' investment decisions as a representation of young Muslim investors. An explanatory quantitative approach was used by collecting data through an online questionnaire distributed to 48 students at Universiti Malaysia Kelantan (UMK). Data analysis was carried out using multiple linear regression through SPSS version 27. The results showed that of the three dimensions of overconfidence, only overplacement had a significant positive effect on investment decisions, while overprecision, overestimation, loss aversion, and anchoring bias did not show a significant effect. On the other hand, Islamic financial literacy has the strongest positive influence on investment decisions, indicating that understanding of Islamic financial principles is able to suppress behavioral bias and increase investment rationality. Theoretically, these findings expand the perspective of behavioral finance by including Islamic values as a controlling factor for cognitive bias. Practically, the results of this study provide input for educational institutions and financial authorities to strengthen Islamic financial literacy to form rational, ethical, and sustainable investment behavior among young investors.
Analysis of the Impact of Gamification, User Experience, and Service Quality on Customer Engagement Levels on The Indonesia E-Commerce Platform Saiful Bahri; Vio Ariawan
Universal Business and Management Review Vol 3 No 1 (2026): June 2026: Universal Business and Management Review
Publisher : Faculty of Economics and Business, Universitas Wahid Hasyim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/aem01w30

Abstract

This study aims to analyze the effect of gamification implementation, user experience (UX), and service quality on customer engagement on the Shopee e-commerce platform among teenagers. The increasing use of e-commerce platforms by the younger generation requires strategies that can build sustainable customer engagement through interactive features and superior service quality. This study uses a quantitative approach with a survey method, with a total of 94 respondents selected through purposive sampling. Data analysis was performed using multiple linear regression with the help of SPSS software. The results showed that gamification, UX, and service quality had a positive and significant effect on customer engagement. These findings indicate that game-based features, easy and enjoyable user experiences, and reliable and efficient services can simultaneously increase customer engagement on e-commerce platforms. This study provides practical implications for e-commerce players in designing interactive and high-quality strategies to maintain consumer loyalty, especially among the youth segment. The limitations of this study lie in the use of cross-sectional data and the limited scope of the sample, so the generalization of the research results still needs to be further examined.
The Role of Financial Literacy, Self-Control, and Income in Influencing the Financial Management Behavior of Homemakers in the Village of Trayu Rizka Lutfiyana Dewi; Saiful Bahri
International Journal of Management, Business, and Social Sciences Vol. 5 No. 1 (2026): Mei
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/ijmbs.v5i1.15486

Abstract

Good financial management behavior is important in maintaining household economic stability, especially for housewives who play a major role in managing family finances. This study aims to analyze the influence of financial literacy, self-control, and income on the financial management behavior of housewives in Trayu Village. The population in this study consisted of 330 housewives in Trayu Village. The method used is a quantitative approach with a survey technique through the distribution of a Likert scale-based questionnaire to 76 housewife respondents selected using simple random sampling. The results of the study indicate that financial literacy, self-control, and income have a positive and significant effect on financial management behavior. These findings highlight the importance of financial literacy, strengthening self-control, and adequate income in forming healthy and planned financial habits. This study is expected to serve as a basis for designing economic empowerment programs for housewives, especially in rural areas.
Co-Authors Ahmad Ridhuwan bin Abdullah Alfiana Deswita Siti Nurul Aeni Hakim Hakim Laila Hasna Risqiya Maeni Maeni Rizka Lutfiyana Dewi Selamat Muliadi Sunarto Vio Ariawan Willson Gustiawan