Awalina, Mei
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

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PEMANFAATAN TEKNOLOGI MENUJU KEUANGAN SYARIAH YANG OPTIMAL MELALUI PENINGKATAN LITERASI DIGITAL Awalina, Mei
WELFARE: Journal of Islamic Economics and Finance Vol 3, No 1 (2024)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

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Abstract

Penelitian ini bertujuan untuk  mengetahui bagaimana cara supaya lembaga keuangan syariah (LKS) dapat berkembang dengan optimal. LKS merupakan lembaga keuangan yang berorientasi dalam usaha untuk meningkatkan kesejahteraan anggota masyarakat. Sistem keuangan syariah dimulai dengan perkembangan Bank Syariah pertama kali di Indonesia. Namun, sekarang tidak hanya perbankan syariah yang mengalami perkembangan, industri keuangan non bank syariah juga mengalami kemajuan. Peningkatan lembaga keuangan syariah yang diikuti dengan meningkatnya jumlah kantor cabang di Indonesia ternyata belum sepenuhnya diikuti dengan peningkatan pemahaman masyarakat terhadap lembaga-lembaga keuangan syariah di Indonesia tersebut. Seiring perkembangan zaman, sekarang sudah memasuki industri 4.0, sehingga ada banyak solusi yang dapat dilakukan dalam mengoptimalkan keuangan syariah tersebut, diantaranya melalui pemanfaatan teknologi digital. Untuk memaksimalkan pemanfaatan teknologi digital guna mengoptimalkan keuangan syariah, melalui peningkatan literasi digital di Indonesia. Dengan meningkatnya literasi digital diharapkan mampu meningkatkan pemahaman dan minat masyarakat dalam menggunakan teknologi digital untuk menggunakan LKS dengan cermat.Kata Kunci: Lembaga keuangan syariah (LKS), literasi, industri 4.0
Faktor-Faktor Yang Memengaruhi Minat Berinvestasi Dengan Ekspektasi Return Sebagai Variabel Moderasi Awalina, Mei; Zein, Aliman Syahuri; Daulay, Putri Bunga Meiliana
WELFARE: Journal of Islamic Economics and Finance Vol 4, No 1 (2025)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

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Abstract

Investment is important in supporting the country's economic growth, economic growth is determined by savings and investment. If savings and investment are low, economic growth is also low. This research is motivated by the fact that the number of Foreign Investors (PMA) in Indonesia is always more than the number of Domestic Investors (PMDN). This means that people's interest in investing in Indonesia is still low compared to other countries. In this case, lecturers are considered to meet saving behavior, have knowledge about the importance of investment and money management. However, the reality is that there are still many lecturers who do not have investment and are not even interested in investing. Then, in previous research on investment interest, there were also inconsistencies in results. Thus, the purpose of this study is to find out the factors that affect investment interest with return  expectations as a moderation variable. This study uses a quantitative approach with  the Structural Equation Model (SEM) Method and  the Partial Least Square (PLS) alternative.  The data used are primary data obtained from questionnaires. The research population is lecturers of the Faculty of Islamic Economics and Business using a saturated sample of 52 people. The results of this study show that investment knowledge has a positive and significant effect on investment interest. Then, technological advances do not have a significant effect on investment interest. Furthermore, return expectations  moderate the influence of investment knowledge on investment interest. Return expectations  do not moderate the influence of technological advances on investment interest.