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All Journal Shafin: Sharia Finance and Accounting Journal Jurnal Sains Student Research
Aulia Rahma
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Other

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Bahasa Inggris Aulia Rahma; Sri Ramadhani; Laylan Syavina
Shafin: Sharia Finance and Accounting Journal Vol. 6 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/sfj.v6i1.24341

Abstract

This investigation seeks to examine the determinants shaping community choices to allocate funds in gold via Islamic financial institutions, utilizing an augmented version of the Theory of Planned Behavior (TPB). Key constructs under scrutiny encompass attitudes toward investment, normative pressures from peers, self-efficacy in behavioral control, financial literacy regarding investments, and perceptions of risk associated with gold assets. Adopting a quantitative methodology, the study relied on survey-based data collection. The target population comprised inhabitants of Medan Baru Subdistrict in Medan Municipality, numbering 36,066 individuals. Sample selection followed the Slovin equation at a 10% error tolerance, yielding 100 participants. Data were gathered primarily via structured questionnaires employing a five-point Likert scale, with subsequent analysis conducted through multiple linear regression in SPSS version 26. Findings reveal that, in isolation, attitudes toward investment and subjective norms exert a statistically significant positive impact on decisions to invest in gold. Conversely, perceived behavioral control, investment acumen, and risk appraisals exhibit no material influence. Collectively, these predictors demonstrate a robust effect on investment intentions (p < 0.001), accounting for 21.2% of the variance (R² = 0.212). These outcomes underscore the preeminence of cognitive orientations and social influences in driving public engagement with gold investments.
The Influence Of Regional Dialects And Accents On The English Phonological Competence Of EFL Students Yani Lubis; Aulia Rahma; Dillo Sarwana; Fika Mardiani; Putri Afsila Balqis Barus
JOURNAL SAINS STUDENT RESEARCH Vol. 4 No. 4 (2026): Agustus: Jurnal Sains Student Research
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jssr.v4i4.11506

Abstract

The purpose of this study is to see how regional dialects and accents affect the phonological ability of EFL (English as a Foreign Language) students in Indonesia. The background of this research lies in the sociolinguistic situation in Indonesia where students usually master the regional language as their first language before starting to learn English. Phonological interference, which impacts students' pronunciation abilities, can be caused by differences in phonological systems between the first language and English. The focus of this study was to find the types of phonological aberrations in students' English pronunciation. Data were obtained through observation of pronunciation, documentation of speech results, and analysis of the form of sound realization of EFL students. Data analysis was carried out by data reduction methods, phonological error classification, interpretation, and conclusion drawn. The results showed that regional accents and dialects had a significant effect on students' phonological abilities. Sound substitution (sound substitution), phonological simplification (phonological simplification), epenthesis (addition of sounds), final consonant removal (final consonant removal), and orthographic impact on pronunciation are some of the major forms of phonological error. The primary cause of these errors is first language (L1) interference, specifically the structural and phonotactic differences between the students' native regional languages and the English phonological system. According to this study, the goal of learning pronunciation is not to eliminate accents, but to improve a person's comprehension so that they can communicate well in English.
Co-Authors Dillo Sarwana Fika Mardiani Laylan Syavina Putri Afsila Balqis Barus Sri Ramadhani Yani Lubis