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All Journal Al-Kharaj: Journal of Islamic Economic and Business Madani: Multidisciplinary Scientific Journal
Khairul Fadilah
Universitas Islam Negeri Sultan Syarif Kasim Riau
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Physics Public Health Social Sciences Other

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Perbankan Syariah dan Relevansinya dengan Pengembangan Ekonomi Syariah di Indonesia Khairul Fadilah; Rozi Andrini
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Islamic banking in Indonesia has experienced rapid development since its introduction in the 1990s, contributing to the creation of a more inclusive and Islamic financial system. This study aims to analyze the role of Islamic banking in the development of the Islamic economy in Indonesia, with a focus on asset growth, adoption of digital technology, and its contribution to the micro, small, and medium enterprise (MSME) sector. Data shows that Islamic banking has experienced an average asset growth of 15-20% per year, with total assets reaching more than IDR 700 trillion by the end of 2023. In addition, digital innovations such as application-based banking services have increased the accessibility and efficiency of financial services for the community. Although Islamic banking faces challenges, such as a lack of human resources and fierce competition with conventional banks, this sector has great potential to support sustainable economic development and achieve the sustainable development goals (SDGs). This study is expected to provide new insights and strategic recommendations for the further development of Islamic banking and the Islamic economy in Indonesia, as well as increase public literacy regarding banking.
The Influence of Investment Knowledge, Motivation, And Income on Investment Decisions Shariah Mutual in The Community Pekanbaru City Khairul Fadilah; Mahyarni; Syahpawi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9162

Abstract

This study aims to analyze the influence of investment knowledge, motivation, and income on investment decisions in sharia mutual funds among the people of Pekanbaru City. The primary background for selecting this location is the high economic potential and the dominance of the productive-age population in Pekanbaru. This research employs a quantitative method, with data collection conducted through questionnaires distributed to 100 respondents in Pekanbaru City. Data analysis techniques include multiple linear regression analysis using SPSS 26 software, encompassing research instrument tests, classical assumption tests, hypothesis testing, and multiple linear regression analysis. The results indicate that the t-count for investment knowledge is 1.267 < 1.984 (t-table) with a significance value of 0.208 > 0.05, suggesting that investment knowledge has no significant influence on sharia mutual fund investment decisions among the people of Pekanbaru City. Conversely, the t-count for motivation and income are 4.520 and 4.418, respectively, both exceeding the t-table value of 1.984, with significance values less than 0.05 (0.000 < 0.05). This indicates that motivation and income have a positive and significant influence on sharia mutual fund investment decisions. Furthermore, the F-count (158.874 > 2.70) confirms that investment knowledge, motivation, and income simultaneously have a significant effect on investment decisions. The coefficient of determination (R2) of 0.827 shows that these three variables explain 82.7% of the variation in investment decisions, while the remaining 17.3% is explained by other variables outside this research model.
Co-Authors Mahyarni Rozi Andrini Syahpawi