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Jurnal Investasi Islam
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : 25413570     EISSN : 25809024     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Investasi Islam adalah jurnal akademis yang diterbitkan dua kali dalam setahun oleh Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri Langsa. Jurnal Investasi Islam bertujuan untuk menjadi bagian dalam kemajuan ilmu pengetahuan di bidang ekonomi, keuangan dan investasi islam dengan menerbitkan jurnal investasi berkualitas. Fokus dan Scope: Fokus dan Lingkup Jurnal Investasi Islam di antaranya adalah: 1. Islamic investment 2. Islamic Banking and Finance 3. Monetary Policy 4. Fiscal 5. Ziswaf 6. Islamic Microfinance 7. Sukuk 8. Other investment instruments
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 227 Documents
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Unpacking the Pay Satisfaction Paradox: The Interplay of Work Pressure and Life Balance in Predicting Employee Turnover within Urban Hospitality Kirana, Sophia Widya; Prabowo, Budi
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.v11i1.14760

Abstract

High employee turnover (12% in 2023) at Fave Hotel Rungkut Surabaya necessitates a rigorous investigation into retention determinants. This study analyzes the influence of work pressure, pay satisfaction, and work life balance on turnover intention through the lens of Social Exchange Theory. Employing a quantitative explanatory research approach, data were collected from a census of 50 employees using a 4-point forced choice Likert scale. Multiple linear regression analysis reveals that these factors simultaneously explain 66.7% of the variance in turnover intention ( = 0.667). Partially, work pressure emerged as the most dominant positive driver of exit intentions. Notably, the study identifies a "mobility anomaly" where pay satisfaction exerts a significant positive influence (  = 3.002,  = 0.004), suggesting that financial contentment validates employees' perceived market value and catalyzes career migration. Conversely, work life balance acts as a crucial protective anchor with a significant negative effect. These findings challenge traditional assumptions by demonstrating that in competitive hospitality markets, pay satisfaction can drive professional withdrawal. Management is advised to prioritize restorative psychological contracts through life balance initiatives and systematic workload management to mitigate turnover effectively.
Knowledge, Motivation, and Islamic Financial Behavior as Predictors of Islamic Investment Intention: Evidence from Muslim University Students Ayu Fitriana; Reni Ria Armayani Hasibuan; Rahmani, Nur Ahmadi Bi
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.v11i1.14814

Abstract

This study examines the influence of investment knowledge, motivation, and Islamic Financial Behavior on Islamic investment intention among Muslim university students in Medan City. Previous studies have shown inconsistent findings regarding the role of Islamic Financial Behavior in shaping investment intention. This study employed a quantitative approach using purposive sampling techniques involving 100 students. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS version 26. The findings indicate that investment knowledge and motivation positively and significantly influence Islamic investment intention, while Islamic Financial Behavior does not have a significant effect. Simultaneously, all independent variables significantly affect Islamic investment intention, with an adjusted R² value of 0.753. These findings strengthen the Theory of Planned Behavior (TPB) in explaining Islamic investment intention through cognitive and motivational dimensions. Practically, the study emphasizes the importance of improving Islamic financial literacy and investment education programs to encourage student participation in Sharia-compliant investments.
Perception And Preference of FEBI UINSU Students Regarding The Use of  E-Payment:  A Study Of Ease of Use, Financial Literacy, Trust Levels, And Behavoiral Patterns From an Islamic Economics Perspective Tanjung, Syahrul; Syahbudi, Muhammad; Nasution, Yenni Samri Juliati
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.v11i1.14885

Abstract

This study aims to analyze the influence of perceived ease of use, financial literacy, level of trust, habitual behavior, and Islamic principles on students’ perceptions and preferences in using Sharia-based e-payment at Universitas Islam Negeri Sumatera Utara (UINSU). The study is motivated by the high level of e-payment usage among students, which is not fully accompanied by adequate financial literacy and understanding of Sharia principles. A quantitative approach was employed using a survey method, and the data were analyzed through multiple linear regression using two models: perception and preference. The sample size was 97 respondents, the sampling technique used was random sampling, with the sample size determined using the Slovin formula. The results indicate that all independent variables have a positive and significant effect on both perception and preference. Perceived ease of use is the most dominant variable in shaping perception (β = 0.282; sig. 0.001), while Islamic principles are the most dominant in shaping preference (β = 0.268; sig. 0.003). These findings suggest that students’ perceptions are primarily influenced by technical factors, whereas preferences are more strongly shaped by religious values and habitual usage. Therefore, strengthening digital financial literacy and understanding of Sharia principles is essential to promote more responsible and value-based use of e-payment.
Pengaruh Gaya Belanja dan Paylater Terhadap Impulsive Buying Pengguna E-Commerce Dengan Literasi Keuangan Syariah Sebagai Variabel Intervening di Kabupaten Asahan Laili Rohimah; Khairina Tambunan; Muhammad Ikhsan Harahap
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.v11i1.14888

Abstract

Penelitian ini bertujuan menganalisis pengaruh gaya belanja dan penggunaan paylater terhadap pembelian impulsif pada pengguna e-commerce di Kabupaten Asahan dengan literasi keuangan syariah sebagai variabel intervening. Kebaruan penelitian ini terletak pada penggunaan literasi keuangan syariah sebagai variabel intervening dalam perilaku konsumsi digital masyarakat Muslim di daerah nonperkotaan. Penelitian menggunakan metode SEM-PLS terhadap 100 responden pengguna e-commerce yang pernah menggunakan layanan paylater. Hasil penelitian menunjukkan bahwa gaya belanja berpengaruh positif dan signifikan terhadap pembelian impulsif (β = 0,212; p = 0,002) dan literasi keuangan syariah (β = 0,541; p < 0,001). Paylater juga berpengaruh positif dan signifikan terhadap pembelian impulsif (β = 0,186; p = 0,001) dan literasi keuangan syariah (β = 0,350; p < 0,001). Literasi keuangan syariah berpengaruh positif dan signifikan terhadap pembelian impulsif (β = 0,635; p < 0,001) serta memediasi pengaruh gaya belanja dan paylater terhadap pembelian impulsif. Temuan ini menunjukkan bahwa literasi keuangan syariah belum sepenuhnya mampu mengendalikan perilaku konsumtif di tengah kemudahan transaksi digital. Penelitian ini menegaskan pentingnya edukasi literasi keuangan syariah yang lebih aplikatif dalam penggunaan layanan digital dan paylater secara bijak.  
Pengaruh Literasi Keuangan Syariah, Religiusitas dan Persepsi Manfaat terhadap Penggunaan Shopee PayLater Pristasiwi Na&#039;imatur Miranda; Putri Swastika; Yuyun Yunarti
Jurnal Investasi Islam Vol. 10 No. 2 (2025): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v10i2.14095

Abstract

Penelitian ini bertujuan untuk menguji pengaruh dari literasi keuangan syariah, religiusitas, dan persepsi manfaat terhadap keputusan penggunaan Shopee PayLater di kalangan mahasiswa. Penelitian ini menggunakan pendekatan kuantitatif dengan survei terhadap 63 orang mahasiswa Ekonomi Syariah yang dipilih melalui metode stratified random sampling. Data diperoleh melalui penyebaran kuesioner dan dianalisis menggunakan regresi linier berganda. Hasil menunjukkan bahwa literasi keuangan syariah dan persepsi manfaat mempunyai pengaruh positif dan signifikan terhadap keputusan penggunaan Shopee PayLater (p < 0,05), sedangkan religiusitas tidak memiliki pengaruh signifikan. Secara simultan, semua variabel independen secara signifikan memengaruhi keputusan penggunaan (F = 16,549, p < 0,001). Temuan penelitian ini menunjukkan bahwa persepsi manfaat merupakan faktor yang paling kuat dalam mendorong penggunaan PayLater, meskipun mahasiswa telah memiliki pemahaman keuangan syariah. Hal ini menunjukkan adanya kesenjangan antara pengetahuan dan perilaku keuangan dalam konteks kepatuhan terhadap prinsip syariah.
Contextual Analysis of Digital Halal Tourism Development Feasibility in Talango Village, Sumenep: An Exploratory Qualitative Study Zainorrahman; Robby Reza Zulfikri
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.v11i1.14138

Abstract

Although digital halal tourism is growing rapidly, most studies still focus on urban destinations and quantitative approaches, thus leaving a gap in the in-depth understanding of how rural Muslim communities negotiate the integration of digital technology with Islamic values and local wisdom. This study addresses this gap through an intrinsic qualitative case study in Talango Village, Sumenep, Madura. Using an intrinsic qualitative case study approach, data were collected through semi-structured interviews with 15 purposively selected informants, participant observation, and documentary analysis during the period from February to May 2025. Thematic analysis revealed three main themes: (1) the community’s high enthusiasm for halal tourism that is not matched by the readiness of infrastructure and digital services; (2) the low level of literacy and access to sharia financial technology; and (3) socio-cultural resistance to digitalization, which is feared to erode the sacredness of Islamic values. This study contributes theoretically to the halal tourism literature by developing a contextual-religious perspective that highlights the tension between digital innovation and the preservation of spiritual identity in rural Muslim communities—a dimension that is still rarely discussed in existing studies, which tend to be universalistic and market-oriented. Thus, this research enriches the theory of innovation diffusion and Islamic value-based tourism development in rural contexts.
Competency Gaps in Islamic Finance Education: Evidence from PLS SEM Munadiati; Anis Kurlillah
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.v11i1.14548

Abstract

We investigated the alignment between academic preparation in Islamic Financial Management (MKS) programs and industry expectations in Aceh, Indonesia. Using Partial Least Squares Structural Equation Modeling (PLS‑SEM) on survey data from 74 alumni employed in Islamic Financial Institutions (LKIs), we tested how perceptions of Islamic Higher Education Institutions (PTKIs) and student self‑assessments influence LKI evaluations and quantified the effect of a latent Competency Gap. The structural model reveals that PTKI Perception significantly enhances LKI Evaluation (β = 0.342, p = 0.002), as does Student Self‑Assessment (β = 0.287, p = 0.005). Conversely, the Competency Gap, capturing shortfalls in sharia‑based product knowledge, risk management, and technical banking operations, exerts a significant negative effect on LKI Evaluation (β = −0.215, p = 0.041). These findings confirm that while PTKIs build strong conceptual foundations, lecture‑dominated pedagogy, partial implementation of Outcome‑Based Education, and limited experiential learning fail to develop applied competencies. We recommend curriculum reform grounded in outcome‑based design, integration of applied modules, case‑based projects, practitioner involvement, certified internships, and curriculum co‑design with LKIs. These measures can produce graduates who are both conceptually grounded and operationally competent, thereby strengthening governance quality and sharia compliance in Indonesia’s Islamic finance sector.
Pembiayaan Mudharabah dan Produktivitas Usaha Tani: Analisis Mediasi Penguatan Kelompok Tani dalam Perspektif Ekonomi Syariah Muhammad Addnan Nur Nasution; Muhammad Lathief Ilhamy Nasution; Atika
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.v11i1.14586

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Pembiayaan Mudharabah terhadap Produktivitas Usaha Tani dengan Program Kelompok Usaha Tani sebagai variabel mediasi dalam perspektif ekonomi syariah. Penelitian menggunakan pendekatan kuantitatif dengan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS). Lokasi penelitian dilakukan di Desa Tanjung Selamat, Kecamatan Percut Sei Tuan, Kabupaten Deli Serdang. Sampel penelitian berjumlah 50 responden yang dipilih menggunakan teknik purposive sampling, yaitu petani yang telah memperoleh pembiayaan mudharabah dan aktif dalam kelompok usaha tani. Data dikumpulkan melalui penyebaran kuesioner menggunakan skala Likert lima poin dan dianalisis menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa Pembiayaan Mudharabah berpengaruh positif terhadap Produktivitas Usaha Tani. Selain itu, Pembiayaan Mudharabah juga berpengaruh signifikan terhadap Program Kelompok Usaha Tani, yang menunjukkan bahwa pembiayaan syariah mampu memperkuat aktivitas kelembagaan petani dan meningkatkan partisipasi anggota kelompok tani. Namun demikian, Program Kelompok Usaha Tani belum mampu memediasi secara signifikan hubungan antara Pembiayaan Mudharabah dan Produktivitas Usaha Tani. Temuan ini mengindikasikan bahwa peningkatan produktivitas usaha tani tidak hanya dipengaruhi oleh akses pembiayaan, tetapi juga memerlukan penguatan kapasitas kelembagaan, pendampingan usaha, dan pengelolaan kelompok tani yang lebih efektif. Penelitian ini memberikan kontribusi teoritis terhadap pengembangan literatur ekonomi syariah, khususnya terkait integrasi pembiayaan syariah dan pemberdayaan kelembagaan petani dalam sektor pertanian. Secara praktis, hasil penelitian ini dapat menjadi masukan bagi lembaga keuangan syariah dan pemerintah dalam merancang kebijakan pembiayaan pertanian berbasis syariah yang lebih efektif dan berkelanjutan.
Pengaruh Literasi Keuangan, Lingkungan Sosial, Persepsi Return, dan Modal Minimal dengan Financial Behavior sebagai Variabel Mediasi Terhadap Keputusan Investasi Saham Syariah Daryan Muhsin Batubara; Andri Soemitra; Muhammad Lathief Ilhami Nasution
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.v11i1.14709

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, lingkungan sosial, persepsi return, dan modal minimal terhadap keputusan investasi saham syariah dengan financial behavior sebagai variabel mediasi pada mahasiswa Universitas Islam Negeri Sumatera Utara. Penelitian ini menggunakan pendekatan kuantitatif asosiatif dengan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS). Data dikumpulkan melalui penyebaran kuesioner kepada 153 mahasiswa yang dipilih menggunakan teknik purposive sampling. Analisis data meliputi statistik deskriptif, evaluasi outer model, evaluasi inner model, dan pengujian hipotesis. Hasil penelitian menunjukkan bahwa lingkungan sosial berpengaruh positif dan signifikan terhadap keputusan investasi (β = 0,144; p < 0,05), sedangkan literasi keuangan tidak berpengaruh signifikan terhadap keputusan investasi (β = 0,050; p > 0,05). Sebaliknya, modal minimal menjadi faktor paling dominan yang memengaruhi keputusan investasi (β = 0,476; p < 0,001), diikuti oleh persepsi return (β = 0,284; p < 0,01). Model struktural menunjukkan kemampuan penjelasan yang kuat dengan nilai R-square sebesar 0,780, yang berarti bahwa 78% variasi keputusan investasi saham syariah dapat dijelaskan oleh variabel yang diajukan dalam penelitian ini. Temuan ini menunjukkan bahwa keputusan investasi mahasiswa muslim lebih banyak dipengaruhi oleh kemudahan akses investasi dan ekspektasi keuntungan dibandingkan hanya oleh literasi keuangan semata. Oleh karena itu, peningkatan partisipasi investasi pada investor muslim muda tidak hanya memerlukan penguatan literasi, tetapi juga pendidikan keuangan yang bersifat praktis, akses investasi yang terjangkau, serta lingkungan sosial yang mendukung perilaku keuangan yang rasional dan sesuai prinsip syariah.
Overconfidence Bias and Islamic Financial Literacy in Shaping Generation Z’s Sharia Stock Investment Decisions: Evidence from Indonesia’s Sharia Capital Market Mhd Adjie Permana Hasibuan; Muhammad Ikhsan Harahap; Nuri Aslami
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.v11i1.14829

Abstract

The intersection of cognitive bias and normative financial knowledge presents a theoretically significant tension in Islamic behavioral finance, particularly among digitally exposed young investors. This study investigates whether overconfidence bias and Islamic financial literacy operate as competing or complementary mechanisms in shaping sharia stock investment decisions among Generation Z investors in Indonesia. Using a Second-Order Confirmatory Factor Analysis (Second-Order CFA) approach within the SEM-PLS framework (Hair et al., 2021), data were collected from 200 active sharia stock investors aged 17–27 years in Medan City. All constructs demonstrated satisfactory measurement quality under the hierarchical component model. Findings reveal that both overconfidence bias (β = 0.582; t = 17.682; p = 0.000) and Islamic financial literacy (β = 0.586; t = 16.478; p = 0.000) positively and significantly influence investment decisions, collectively explaining 81.1% of the variance (R² = 0.811). Critically, the positive effect of overconfidence reflects heightened decision activity and trading aggression—not improved decision quality—as overconfident investors assume elevated risk exposure inconsistent with the prudence demanded by Islamic muamalah principles. The near-equivalent path coefficients reveal a behavioral paradox: irrational psychological impulse and rational Islamic knowledge exert comparable but theoretically opposed influences on investment behavior—a tension underexplored in the sharia investment literature. These findings challenge the assumption that Islamic financial literacy alone can suppress cognitive irrationality, and call for integrated behavioral finance education addressing both cognitive and metacognitive dimensions of investment decision-making among young Muslim investors in Indonesia’s sharia capital market.

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