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INDONESIA
Journal of Institution And Sharia Finance
Published by Institut Agama Islam Negeri Palopo
ISSN : 26546043     EISSN : 26205130     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal Of Institution And Sharia Finance compile writing and research on Islamic financial institutions, Islamic banking, sharia business management, strengthening people's economy, Islamic financial management.
Arjuna Subject : -
Articles 113 Documents
 8   9   10   11   12 
The Role of Investment Interest in Linking Inflation, Exchange Rate, and Interest Rate Perceptions to Gold Investment Decisions Ahmad Syawal Senong Pakata; Muh Fiqran; Sitti Fatima; Ahmad Nouruzzaman; M Ikhsan Purnama
Journal of Institution and Sharia Finance Vol. 8 No. 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i2.9905

Abstract

This study aims to analyze the effect of inflation perception, exchange rate, and interest rate on gold investment decisions with investment interest as a mediating variable. The study uses a quantitative approach with an explanatory design. Data were collected through a survey using a questionnaire administered to respondents who had experience or interest in gold investment using purposive sampling. Data analysis was performed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). The results show that inflation perceptions have a positive and significant effect on investment interest, while exchange rates and interest rates do not have a significant effect on investment interest. In addition, these three macroeconomic variables do not have a significant direct effect on gold investment decisions. Conversely, investment interest has a positive and significant effect on gold investment decisions. The mediation analysis results show that investment interest fully mediates the relationship between inflation perception and gold investment decisions. These findings indicate that psychological factors play an important role in explaining individual investment behavior.
INSTITUTIONAL ECONOMICS AND HUMAN CAPITAL AS DRIVERS OF LABOR MARKET TRANSFORMATION: A STRUCTURAL PERSPECTIVE FROM INDONESIA Erwin Erwin; Dirmansyah Darwin; Adi Zulkarnaen; Muh Fardan Ngoyo; Hafid Sumarwadji
Journal of Institution and Sharia Finance Vol. 9 No. 1 (2026): JUNI
Publisher : Program Studi Perbankan Syariah, UIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v9i1.11001

Abstract

Labor market transformation from traditional to modern sectors is a critical milestone for economic development, yet regional disparities in emerging economies persist. This study investigates the impact of human capital and institutional quality on labor market transformation across 34 provinces in Indonesia over the period of 2015–2025. Employing a panel data regression with a Fixed Effect Model (FEM) approach on 374 observations, and controlling for economic growth and regional investment, the empirical results reveal that both human capital and institutional quality significantly drive the structural shift of labor toward the industrial and service sectors. Specifically, higher educational attainment and better democratic governance accelerate the absorption of labor into high-productivity sectors. Furthermore, economic growth and investment act as robust catalysts in this structural transformation. These findings suggest that to optimize the demographic dividend, regional policymakers must not rely solely on physical investment but should synergize aggressive human capital development with institutional governance reforms
Explaining University Students’ Intention to Use QRIS: A TAM–TPB Approach Muhammad Imran; Muhammad Ahsanul Amal; Fariz Mustaqim; Munadi Idris; Musriful
Journal of Institution and Sharia Finance Vol. 9 No. 1 (2026): JUNI
Publisher : Program Studi Perbankan Syariah, UIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v9i1.12425

Abstract

Digital payment growth has increased the relevance of the Quick Response Code Indonesian Standard for university students. This study examines that intention through an integrated Technology Acceptance Model and Theory of Planned Behavior framework. A quantitative explanatory survey was conducted with 100 university students in Kendari who had previously used the payment system. Respondents were recruited through convenience sampling, and questionnaire data were analyzed using partial least squares structural equation modeling in SmartPLS 4. The model explained 66.9% of the variance in intention. Perceived usefulness emerged as the strongest significant predictor, while perceived behavioral control was also positively associated with intention. Perceived ease of use was positively associated with perceived usefulness and attitude, and perceived usefulness was positively associated with attitude. However, attitude and subjective norm were not significantly associated with intention. Attitude also did not transmit the effects of perceived ease of use or perceived usefulness to intention. The findings extend evidence on digital-payment acceptance to an underrepresented regional student setting and reveal a context-specific utility control pattern. Payment providers, universities, and financial institutions should prioritize reliable transactions, visible efficiency, merchant accessibility, and user support. Keywords: Digital Payment, Perceived Behavioral Control, Perceived Usefulness, Quick Response Code Indonesian Standard, University Students

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