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All Journal Jurnal Investasi Islam International Journal of Islamic Business Management
Sabrina Faraditha
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance

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TIME VALUE OF MONEY SEBAGAI DASAR PENGAMBILAN KEPUTUSAN INVESTASI MODERN: Analisis Literatur Pada Real Aset, Pasar Uang, Dan Securities Crowdfunding Putri Hayati; Sabrina Faraditha; Putri Anggraini; Pebriansyah Siregar; Rahman Saleh Nasution; Danu Wijaya; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the application of the Time Value of Money (TVM) concept across three major investment categories—money market instruments, real assets, and securities crowdfunding—by emphasizing how the principle of time-based value shapes the evaluation of risk, feasibility, and the real value of investment returns. Using data on policy interest rates, inflation levels, residential property price growth, rental yields, money market mutual fund performance, and the return–default ratio within the crowdfunding industry, this study demonstrates that TVM plays a crucial role in determining whether an investment can generate positive real value for investors. In the money market, TVM helps assess whether relatively low returns can withstand inflationary pressures and high benchmark interest rates; in real assets, it measures the long-term viability of rental income and capital gains amid moderate property price growth; and in crowdfunding, it becomes essential for evaluating uncertain cash flows and higher risks despite attractive nominal returns. The findings affirm that TVM is not merely a theoretical concept but a practical foundation necessary for making objective, rational, and measurable investment decisions within the dynamics of the modern economy.
Digital Consumption Behavior Among College Students: The Role of Online Shopping Frequency and Sharia Financial Behavior in Medan Sabrina Faraditha; Isnaini Harahap; Purnama Ramadani Silalahi
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14947

Abstract

The development of digital technology has encouraged an increase in online shopping activities among students and has the potential to foster a consumptive lifestyle. From the perspective of Islamic economics, consumption behavior should be based on the principles of balance, prudence, and avoidance of excessive behavior. This study aims to analyze the influence of online shopping intensity and Islamic financial behavior on the consumptive lifestyle of students in Medan City. The research method employed is a quantitative approach using multiple linear regression analysis. Data was collected through the distribution of questionnaires to 400 active undergraduate (S1) students residing in Medan City, with a sample size determined using the Slovin formula at a 5 percent margin of error. The results of the study indicate that the intensity of online shopping has a positive and significant effect on students’ consumptive lifestyles. Additionally, Islamic financial behavior has also been proven to have a significant effect on consumption lifestyles. Together, the two independent variables were able to explain 65.5 percent of the variation in students’ consumption lifestyles. These findings indicate that the high intensity of online shopping can reinforce the tendency toward overconsumption, while Islamic financial behavior has not fully functioned as a consumption regulator amidst a strong digital culture. This research makes an empirical contribution to the development of Islamic economic literature by emphasizing the importance of strengthening the internalization of contextual and applicable Islamic financial values in addressing the challenges of consumption behavior in the digital era.
Co-Authors Danu Wijaya Harahap, Muhammad Ikhsan Isnaini Harahap Pebriansyah Siregar Purnama Ramadani Silalahi Putri Anggraini Putri Hayati Rahman Saleh Nasution