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All Journal Indonesian Journal of Islamic Economics and Business Ascendia: Journal of Economic and Business Advancement
Peni Haryanti
Universitas Hasyim Asy’ari
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengalaman Praktis Anggota GIBEI dalam Memahami Mekanisme Investasi Syariah Syahru Ramadlan Alghofar; Peni Haryanti
Journal of Economic and Business Advancement Vol. 1 No. 2 (2025): December: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/nbp8aj68

Abstract

This study aims to explore the practical experiences of members of the Galeri Investasi Bursa Efek Indonesia (GIBEI) in understanding sharia-compliant investment mechanisms. The background of this research is the rapid development of the Islamic capital market in Indonesia that is not always followed by adequate literacy among university students as prospective investors, especially regarding the differences between conventional and sharia investment instruments. Using a qualitative descriptive approach, this study focuses on GIBEI members at an Islamic university who are actively involved in training, simulations, and real trading of sharia stocks. Data were collected through in-depth interviews with GIBEI members, mentors, and capital market educators, participatory observation in training and simulation sessions, and documentation of learning modules and trading records). Data analysis was conducted through stages of data reduction, data display, and conclusion drawing with source triangulation to ensure validity.  The findings indicate that GIBEI members have strengthened their understanding of Islamic investment through an integration of theoretical learning and practical experience, fostering prudence and the ability to critically assess financial instruments based on principles of Sharia compliance. This experience has shaped them into young investors who are more competent and uphold strong integrity in applying Islamic values within their investment practices
From Interest to Commitment: Examining Customer Adoption of LTI Berkah Emas at PT BPR Syariah Lantabur Tebuireng Lailatul Maghfiroh Putri Rifardi; Athi' Hidayati; Peni Haryanti; Kusnul Ciptanila Yuni K
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6150

Abstract

This study examines the low adoption rate of gold installment products at PT BPR Syariah Lantabur Tebuireng, where actual sales amounted to only 50% of the target, with a customer adoption rate of 0.19% out of 68,551 customers (August–November 2025). Using PLS-SEM with 100 respondents, the results show that trust is the most dominant factor in driving investment interest (β = 0.666), followed by perceived usefulness (β = 0.216), and investment interest was found to significantly influence purchase decisions (β = 0.265). This model explains 51.9% of the variance in investment interest and 7.0% of the variance in purchase decisions. Theoretically, these findings enrich the integration of the Theory of Planned Behavior (TPB), Technology Acceptance Model (TAM), and Trust Theory within Islamic microfinance, affirming that trust (amanah) functions as the dominant predictor connecting Sharia-compliant product perception with actual investment participation. Practically, BPR Syariah Lantabur Tebuireng is advised to prioritize trust-building programs by enhancing the role of the Sharia Supervisory Board and ensuring transparent product communication. Further research is recommended to include variables such as religiosity and financial literacy, as well as to expand the sample to various Sharia BPR institutions.
Co-Authors Athi' Hidayati Kusnul Ciptanila Yuni K Lailatul Maghfiroh Putri Rifardi Syahru Ramadlan Alghofar