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All Journal International Journal of Economics, Education, Law and Social Sciences (IJEELSC)
Yanti Susanti
Digital Business Study Program, Faculty of Business Technology, Yatsi Madani University, Indonesia
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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FINANCIAL IMPACT AND RISKS ON STUDENT INVESTMENT DECISIONS Hanzhely Syabrina Putrie; Yanti Susanti; Shara Salsabila; Nafa Rona Sugesti
International Journal of Economics, Education, Law and Social Sciences (IJEELSC) Vol. 1 No. 2 (2025): July
Publisher : PT. ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/0pf46355

Abstract

With the advancement of financial technology, university students now have access to a variety of investment instruments. However, investment decisions are influenced not only by potential returns but also by personal financial conditions and perceptions of risk. This study aims to analyze the influence of financial conditions and risk perception on students' investment decisions. A quantitative approach combining descriptive and associative methods was employed. The descriptive approach provides an overview of student investment behavior, while the associative approach examines the relationship between financial condition (X1), risk perception (X2), and investment decisions (Y). Data were collected through questionnaires distributed to student respondents, resulting in a total of 151 samples. These were analyzed using both descriptive and inferential statistics to explore inter-variable relationships. The respondents were drawn from several universities across Indonesia, including both public and private institutions. The majority of respondents—61 students (40.4%)—came from Yatsi Madani University, while the remaining 90 students (59.6%) were from other universities such as Pamulang University, Raharja University, Jakarta State University, Indonesia University, Padjadjaran University, and Bandung Institute of Technology. Based on the results, it can be concluded that in today's digital era, students' investment behaviors and decisions are significantly influenced by both independent variables: financial condition and risk perception
IMPLEMENTATION OF FINANCIAL RISK MANAGEMENT IN IMPROVING THE PROFITABILITY PERFORMANCE OF THE ISLAMIC BANKING SECTOR Nanda Ayu Frastika; Yanti Susanti; Nisma Natasha Arla; Wilyan Arta Almajid
International Journal of Economics, Education, Law and Social Sciences (IJEELSC) Vol. 1 No. 2 (2025): July
Publisher : PT. ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/m654d521

Abstract

The transformation of the global economic paradigm towards a sustainable financial system puts Islamic banking in a strategic position but faces the complexity of challenges in optimizing profitability. This research aims to analyze the implementation of financial risk management in improving the profitability performance of the Indonesian Islamic banking sector. The research method uses an explanatory quantitative approach with data analysis of a panel of 15 Islamic banks for the 2019-2023 period. The results showed an average NPF of 3.2%, FDR of 89.4%, and CAR of 22.5% with variability indicating risk complexity. The effectiveness of risk management was positively correlated significantly with ROA (r=0.68, p<0.01) and ROE, where large banks achieved an effectiveness score of 78.5% compared to 58.9% of small banks. Digital technology integration shows 67% adoption with a 32% increase in operational efficiency. A one-unit increase in effectiveness score contributed to a 0.034% ROA growth and an ROE of 0.28%. The study concludes that the implementation of optimal risk management has a significant impact on profitability with a lag effect of 6-9 months, confirming the strategic imperative for sustainable investment in risk management infrastructure.
Co-Authors Hanzhely Syabrina Putrie Nafa Rona Sugesti Nanda Ayu Frastika Nisma Natasha Arla Shara Salsabila Wilyan Arta Almajid