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All Journal El-kahfi : Journal of Islamic economics International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET)
Ilham Wardhana Haeruddin, Muhammad
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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The Influence of Financial Literacy, Financial Technology, and Risk Perception on Investment Decisions Roshinta, Maudy; Ilham Wardhana Haeruddin, Muhammad; Nurman, Nurman; Ichwan Musa, Muh; Ruma, Zainal
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.315

Abstract

This study investigates the influence of financial literacy, financial technology, and risk perception on investment decision-making among users of the Pegadaian Digital application in Makassar, Indonesia. Employing an explanatory quantitative research design, data were collected through online questionnaires distributed to a sample of 60 respondents. The analysis involved instrument validity and reliability testing, classical assumption tests, and hypothesis testing, all conducted using IBM SPSS 25. The findings reveal that, partially, financial literacy and risk perception exert a positive and statistically significant effect on investment decisions, whereas financial technology demonstrates a negative and statistically insignificant effect. However, when considered simultaneously, financial literacy, financial technology, and risk perception collectively exert a significant influence on investment decisions. These results highlight the importance of financial literacy and risk awareness in shaping investors’ behavior and decision-making processes. The study further suggests that prospective and current investors should deepen their knowledge and understanding of available investment instruments to make informed decisions, reduce uncertainty, and minimize potential losses.
ANALYSIS OF BUSINESS PROFITABILITY OF RAWA BANGUN POLEWALI MANDAR VILLAGE, BATETANGGA VILLAGE Lismayanti A, Lismayanti A; Anwar, Anwar; Ilham Wardhana Haeruddin, Muhammad
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 1 No. 12 (2022): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v1i12.94

Abstract

This study aims to find out and analyze the rentability of the Rawa Bangun business. The population is a balance sheet for 6 years (2016-2021). And the sample is a comprehensive financial position and profit and loss report on the Rawa Bangun Tourism Business. This type of research is descriptive quantitative, where the data used is equity and own capital. The data collection technique used in this study is documentation. Then the data analysis technique used is Rentability Analysis which consists of economic profitability (ROA) and profitability of own capital (ROE).The results show that the ability of tourism to make a profit using total assets from 2016-2021 is still below the industry standard of 30%. The reason for Tourism's ability to obtain profits using total assets is still below industry standards because of the low turnover of assets or in other words, the company has not been able to maximize the resources owned in the form of assets to generate attractiveness which will automatically increase profits. Meanwhile, the ability of tourism to make a profit using its own capital in 2016-2021 is above the industry standard of 40% even though in 2020-2021 it has decreased so that is said to be quite good, this is because tourism is able to manage its own capital in obtaining profits even though it is hampered by Covid.
Co-Authors Anwar Anwar Ichwan Musa, Muh Lismayanti A, Lismayanti A Nurman Nurman Roshinta, Maudy Ruma, Zainal