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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi & Keuangan Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Ekonomi Jurnal Pengabdian Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Infaq : Jurnal Ekonomi Islam
FACHROZI. F
Universitas Islam Al-Azhar
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Harmonizing Social And Religious Values In Sharia Economic Practices Fachrozi, Fachrozi; Khusnudin, Khusnudin
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i2.2270

Abstract

This study aims to explore the harmonization of social and religious values within Sharia economic practices, focusing on the Indonesian context. The objective is to understand how these values can be integrated into everyday economic activities to promote ethical behavior and community welfare. Utilizing a systematic literature review (SLR) methodology, the research synthesizes various academic sources to identify key themes, trends, and insights. The thematic analysis reveals that education and awareness are crucial in fostering a Sharia-compliant economic environment. The findings highlight the significant role of Islamic finance in aligning financial practices with social values such as equity and justice, which are essential for community development. Additionally, the research identifies challenges, including diverse religious interpretations and limited awareness, which hinder the growth of Islamic economics in a pluralistic society. The study concludes that targeted educational initiatives and robust regulatory frameworks are necessary to facilitate the acceptance and effectiveness of Sharia economic practices.
Pengetahuan Produk Investasi Syariah dan Literasi Keuangan terhadap Keputusan Investasi yang dimoderasi oleh Religiusitas: Studi pada Mahasiswa Perguruan Tinggi Islam dan Perguruan Tinggi Umum Yudhi Kurniawan Zahari; Fachrozi; Kukuh Tondoyekti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5013

Abstract

The decision to invest in sharia among students of Islamic Religious Universities (PTAI) or public universities (PTU) can be influenced by several factors. A comprehensive understanding of Sharia-compliant investments' concepts, types, and characteristics can significantly influence an individual's propensity to invest according to Islamic principles. This study aims to investigate the impact of Sharia investment product knowledge and financial literacy on PTAI and PTU students' investment decisions, with religiosity as a moderator. This study will use a quantitative approach using the survey method. The data collection process will involve administering questionnaires to a purposively selected sample of students through an online survey or direct distribution on campus. The hypotheses were tested using the Smart PLS version 4.1 program. The results showed that Product Knowledge and Financial Literacy variables affect the Investment Decisions of PTAI students. While Religiosity only moderates the effect of Product Knowledge on the Investment Decisions of PTAI Students, Product Knowledge and Financial Literacy do not affect the Investment Decisions of PTU Students. Religiosity cannot moderate Product Knowledge and Financial Literacy on Investment Decisions of PTU Students.
Risk perception as a mediator of gold investment decisions among Muslim investors Fachrozi, Fachrozi; Slamet, Slamet; Yuliana, Indah
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art5

Abstract

Purpose – This study examines the effects of institutional trust, price spread, and religiosity on gold investment decisions among Muslim investors and investigates the mediating role of risk perception in explaining these relationships.Methodology – A quantitative, cross-sectional research design was employed using survey data collected from 314 Muslim investors in Lombok, Indonesia. Respondents were selected through purposive sampling, and the proposed research model was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.Findings – The results reveal that institutional trust, price spread, and risk perception have significant positive effects on gold investment decisions, with risk perception emerging as the strongest predictor of investment behavior. Institutional trust, price spread, and religiosity also significantly influence investors’ risk perceptions. Furthermore, risk perception significantly mediates the relationships between institutional trust, price spread, religiosity, and gold investment decisions, indicating that institutional, market-related, and religious factors primarily affect investment behavior through investors’ subjective evaluation of uncertainty.Implications – The findings suggest that Islamic financial institutions and gold investment providers should strengthen institutional credibility, improve pricing transparency, and reinforce Sharia-compliant practices to reduce perceived investment risk and encourage greater participation in gold investment among Muslim investors.Originality – This study extends the behavioral finance literature by integrating institutional, market-related, psychological, and religious factors into a single framework. Unlike previous studies that have examined these determinants separately or primarily in conventional financial settings, this research demonstrates that risk perception serves as the key psychological mechanism linking these factors to gold investment decisions among Muslim investors in an emerging Islamic financial market.
Co-Authors Aminy, Muhammad Muhajir Fauzan . Indah Yuliana Khairunnas, Siti Khotmi, Herawati Khusnudin Khusnudin, Khusnudin Mariana Mariana Mariana Mariana Mas'ud, Riduan Mas’ud, Riduan Muh. Salahuddin, Muh. Muhamad Yusup Rifa'i, Khamdan Santoso, Eko Esti Savira, Anisa Selamat Riadi Slamet . Tondoyekti, Kukuh Vegalyra Novantini Samodra Wani, Athar Shahbaz Yudhi Kurniawan Zahari