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All Journal Ahsan : Jurnal Ilmiah Keislaman dan Kemasyarakatan
Totok Adhi Prasetyo
Sekolah Tinggi Agama Islam Sangatta, Indonesia
Religion Education Other

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Edukasi Perencanaan Keuangan dan Investasi Terhadap Perilaku Keuangan Gen Z pada Mahasiswa Semester 4 Ekonomi Syariah STAI Sangatta Kutai Timur Totok Adhi Prasetyo; Alyani; Muhammad Irsyad Al-banjari; Anggun Citra Lukmania; Adna Fika Abidah Ardeliana
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol 1 No 1 (2024)
Publisher : PT. Pustaka Andil Lestari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67802/ahsan.v1i1.9

Abstract

Explore the influence of understanding financial planning and investment on the financial behaviour of Sharia Economics students. This study is to determine the effect of financial planning and investment on financial behaviour in 4B semester students of Sharia Economics at the College of Islamic Religion (STAI) Sangatta East Kutai. By using quantitative descriptive method. This study involved 17 student respondents selected through purposing sampling. Data were collected through questionnaires that had been preceded by financial planning and investment education. Descriptive statistical analysis of data quality test, classical assumption test, multiple linear regression test, and coefficient of determination were processed with the help of SPSS Version 12.0. delivering on significant findings. financial planning education and investment proven have a positive and significant influence on the financial behaviour of students. Keywords: Financial Planning education, Investment, Gen Z students and Financial Behaviour
Pengaruh Kualitas Layanan terhadap Keputusan Nasabah Berinvestasi pada Produk Mudharabah di Bank Muamalat Kutai Timur Lasmi Laila Lipat Kia; Satriah Satriah; Totok Adhi Prasetyo
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol 2 No 1 (2025)
Publisher : PT. Pustaka Andil Lestari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67802/ahsan.v2i1.39

Abstract

This study aims to determine the effect of service quality on customer decisions in investing in mudharabah products at Bank Muamalat Kutai Timur. The background of this study is the importance of the role of service quality in influencing customer interests and decisions, especially in sharia-based investment products such as mudharabah, which prioritize the principles of trust, transparency, and fair cooperation. In the sharia financial system, service quality is one of the key aspects that can determine the loyalty and sustainability of the relationship between the bank and its customers. This study uses a quantitative approach with a survey method by distributing questionnaires to 100 respondents who are customers of Bank Muamalat Kutai Timur. Data analysis techniques used include validity, reliability, normality tests, simple linear regression analysis, determination coefficient (R²) tests, and F significance tests. The results of the validity test show that all question items in the questionnaire are declared valid, with a correlation value of > 0.3 and significance < 0.05. The reliability test shows a Cronbach's Alpha value of 0.766 which indicates that this research instrument has good reliability. The results of the regression analysis show that service quality has a positive and significant effect on customer investment decisions. This is indicated by the correlation coefficient (R) of 0.743 and the determination coefficient (R²) of 0.552, which means that 55.2% of customer decision variables can be explained by service quality, while the other 44.8% are influenced by other factors outside this study. The normality test shows that the data is normally distributed, so the basic assumptions of the regression analysis have been met.
Co-Authors Adna Fika Abidah Ardeliana Alyani Anggun Citra Lukmania Lasmi Laila Lipat Kia Muhammad Irsyad Al-banjari Satriah Satriah