Article Per Year (5 Year)
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This Author published in this journals
All Journal Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF)
Moh. Athoillah
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Analysis of The Influence of Financial Literacy and Locus of Control Mediated by Risk Perception on Investment Decisions Maharani, Ayu; Moh. Athoillah
Journal of Development Economic and Social Studies Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Technological advancements in the era of globalization have made information more accessible and broadened public knowledge. Individuals need adequate financial skills and knowledge to make informed decisions, maximize wealth, and improve personal and family well-being. Investing is an effective approach to financial management. Although interest in capital market investment is increasing, especially among young investors, there are obstacles such as lack of understanding, financial constraints, psychological factors, and concerns about risk. This study aims to analyze financial literacy, locus of control, and risk perception in relation to investment decisions among Generation Z, using quantitative methods and PLS-SEM analysis. The results indicate that these three factors positively influence investment decisions. The implications of this research include the need for improved financial literacy to make better investment decisions. Financial institutions and governments are encouraged to collaborate to enhance financial education and develop financial products for the public.
The Effects of Islamic Financial Literacy and Tam on the Intention of FEB UB Students to Pay Digital Zakat Salma Ainayya Mumtaz; Moh. Athoillah
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.05

Abstract

Indonesia is a country with a majority Muslim population that has a very large potential for zakat, infak, and sedekah. However, the realization of ZIS fund collection is still not optimal. The existence of a digital platform is expected to help increase the amount of ZIS fund collection. The aim of this research is to analyze the factors that influence student of the Faculty of economicss and Business Universitas Brawijaya's interest in conducting ZIS transactions through digital platforms. This study uses a quantitative method with SEM-PLS analysis. The sampling was conducted using purposive sampling techniques with the sample criteria being Muslim students of Faculty of economicss and Business Universitas Brawijaya with 101 participants. The results of this study indicate that Islamic financial literacy and perceived usefulness have a negative and insignificant impact on the interest in issuing ZIS. Meanwhile, the perception of ease of use and attitude have a positive and significant impact on the interest in issuing ZIS. Furthermore, attitudes do not moderate Islamic financial literacy towards the interest in issuing ZIS, whereas attitudes can moderate the perception of usefulness and the perception of ease of use towards the interest in issuing ZIS.
Co-Authors Cahyani, Anindia Putri Hani, Ardelya Nastiti Laila Kerina Della Puspita Maharani, Ayu Naibaho, Messi Valensiana Palullungan, Fisca Fideline Pramaswara, Muhammad Alifanda Prasetya, Nadila Azza Nur rosyid, baharudin Salma Ainayya Mumtaz Shabri Mulyawan, Rafi Surya Andriansyah, Afwanda