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Efek Literasi Keuangan, Kepercayaan Diri yang Berlebihan, Perilaku Penahan, Herding Behavior on Investmen dan Perilaku Menggembalakan Keputusan Investasi Siswa STIE Totalwin Arianto, Rama Dwi; Ristianawati, Yuyun
Journal of Economics and Public Health Vol 4 No 4 (2025): Journal of Economics and Public Health: December 2025
Publisher : Global Health Science Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/jeph.v4i4.7379

Abstract

Penelitian ini penting dalam memahami faktor-faktor yang mempengaruhi keputusan investasi mahasiswa STIE Totalwin guna mempermudah tenaga pendidik dalam mengajar mata kuliah investasi. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, overconfidence Behavior, anchoring behavior, dan herding behavior terhadap keputusan investasi mahasiswa STIE Totalwin. Data penelitian diperoleh melalui kuesioner yang disebarkan kepada 91 responden menggunakan metode probability sampling, random sampling dan dianalisis menggunakan metode regresi linier berganda. Hasil penelitian menunjukkan bahwa seluruh instrumen penelitian valid dan reliabel. Uji asumsi klasik membuktikan bahwa data berdistribusi normal, bebas multikolinearitas, dan tidak terdapat heteroskedastisitas. Hasil uji t menunjukkan bahwa 3 variabel independen berpengaruh positif dan signifikan terhadap keputusan investasi sedangkan 1 variabel berpengaruh tidak signifikan dengan pengaruh terbesar ditunjukkan pada overconfidence dan anchoring behavior. Uji F menunjukkan bahwa secara simultan keempat variabel independen berpengaruh signifikan terhadap keputusan investasi. Koefisien determinasi (R²) sebesar 0,658 menunjukkan bahwa 65,8% variasi keputusan investasi dijelaskan oleh variabel independen, sedangkan sisanya dipengaruhi oleh faktor lain di luar model.
Islamic Social Business: The Role of al-Qardul Hasan in Empowering Vulnerable Micro-Enterprises through Bankziska Santoso, Adi; Ristianawati, Yuyun; Hartono, Sri; Farman, Fanji; Nusuki, Ina
Ascarya: Journal of Islamic Science, Culture, and Social Studies Vol. 5 No. 2 (2025)
Publisher : Perkumpulan Alumni dan Santri Mahyajatul Qurro'

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53754/19sqjj52

Abstract

This study examines the development and implementation of Islamic financial institutions based on Al-Qardul Hasan, specifically through the Bankziska model, in the context of empowering micro, small, and medium enterprises (MSMEs). The phenomenon underlying this research is the high dependence of MSMEs on loan sharks who provide high-interest loans, especially in traditional markets, rural areas, and poor urban areas. In addition, the difficulty of accessing finance from conventional and Islamic banks further exacerbates the economic conditions of MSMEs. The Bankziska concept offers an alternative solution by providing loans without interest, without administrative fees, without fines, and collateral. Bankziska utilizes zakat, infaq, shodaqoh, and other social and religious funds to support MSMEs. The main objective of this concept is to realize a prosperous and just society (Baldatun thayyibatun wa rabbun ghafur). The research method used is qualitative with a case study approach. The research results indicate that the Bankziska concept can serve as an alternative model for empowering MSMEs based on Sharia principles, reducing dependence on loan sharks, and increasing financial access for MSMEs. Implications of this research include the development of a more inclusive and sustainable Sharia financial business model.