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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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Live Commerce Performance and Actual Sales Volume: Evidence from Skincare Brands on TikTok Shop Indonesia Ziaul Maula; Rahmat Maulidan; Farathika Putri Utami
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.v11i1.14859

Abstract

Live commerce has become a strategic digital selling channel for skincare brands because it combines product visualization, real-time interaction, and direct transaction. However, prior live commerce studies still rely heavily on survey-based purchase intention, leaving limited evidence on whether platform-level live streaming metrics are associated with actual sales outcomes. This study examines the association between live commerce performance indicators and actual sales volume using secondary FastMoss data from 3,000 TikTok Shop live streaming sessions across ten leading skincare brands in Indonesia. The predictors include live viewers, live duration, product assortment, and creator followers, while brand fixed effects are used to control unobserved cross-brand heterogeneity. The data are analyzed using multiple linear regression with HC3 robust standard errors. The model explains 82.5% of sales volume variation. Live viewers, product assortment, live duration, and creator followers are positively and significantly associated with actual sales volume. The effect-size comparison shows that active viewers and product assortment have much stronger associations than creator followers. The findings suggest that live commerce conversion is more closely related to active audience presence and product relevance than to passive reach, while causal claims remain limited by the observational platform-data design.
Analisis Perlakuan Aset Tetap Berbasis SAK-EMKM untuk Akurasi Perhitungan Laba dalam Mendukung SDG 8 pada Usaha AD Teratak Devi Herawati; Yenni Samri Juliati Nasution; Laylan Syafina
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.14897

Abstract

Studi ini meneliti perlakuan akuntansi aset tetap berdasarkan SAK-EMKM di AD Teratak, sebuah usaha mikro penyewaan, dengan fokus pada rekonstruksi laporan laba rugi untuk meningkatkan akurasi perhitungan laba. Penelitian ini menggunakan pendekatan studi kasus kualitatif yang didukung oleh analisis akuntansi terapan, data diperoleh melalui wawancara mendalam dengan pemilik usaha, observasi aset langsung, dan dokumentasi, diikuti dengan rekonstruksi laporan laba rugi secara sistematis menggunakan metode penyusutan garis lurus. Temuan menunjukkan bahwa penyusutan yang tidak tercatat oleh pemilik mengakibatkan laba yang terlalu tinggi sebesar Rp 39.090.000; setelah rekonstruksi yang memasukkan beban penyusutan sebesar Rp 2.130.000, laba bersih yang dikoreksi menjadi Rp 36.960.000. Studi ini berkontribusi pada literatur akuntansi dengan menunjukkan bahwa tidak adanya perlakuan aset tetap dalam catatan keuangan UMKM menghasilkan distorsi laba secara sistematis, dan dengan memperluas penelitian sebelumnya melalui keterkaitan eksplisit antara kepatuhan SAK-EMKM dan kualitas informasi keuangan pada perusahaan jasa yang padat aset. Temuan ini selanjutnya menunjukkan bahwa akuntansi aset tetap yang terstandarisasi mendukung transparansi keuangan dan pengambilan keputusan manajerial yang lebih tepat, dengan implikasi potensial bagi SDG 8 dalam hal pengembangan UMKM berkelanjutan.
The Effect of Digital Marketing and E-WOM on Generation Z's Purchase Intention: The Mediating Role of Trust Muhammad Fadhil Izzaini; Fani Firmansyah
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.14907

Abstract

Digital transformation drives Islamic banking to leverage digital marketing and electronic word of mouth (E-WOM) to increase purchase intention among Generation Z. However, previous studies have shown inconsistent results regarding the influence of these two variables on purchase intention, as well as a lack of research examining the role of trust as a mediating variable in the context of digital Islamic banking. This study aims to analyze the effect of digital marketing and E-WOM on the purchase intention of Generation Z users of Bank Syariah Indonesia (BSI) in Malang City, with trust as a mediating variable. The research uses a quantitative explanatory approach with 165 respondents selected through purposive sampling. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that digital marketing does not have a significant effect on purchase intention (β = 0.127; p = 0.157) or trust (β = 0.187; p = 0.086), E-WOM has a positive and significant effect on purchase intention (β = 0.395; p < 0.001) and trust (β = 0.354; p = 0.001), trust does not have a significant effect on purchase intention (β = 0.131; p = 0.281), and is unable to mediate the influence of digital marketing or E-WOM on purchase intention. These findings indicate that E-WOM is the dominant factor in shaping purchase intention among Generation Z, while trust acts as a basic factor that does not directly drive usage intent. This study expands the literature on digital consumer behavior by showing that the role of trust is contextual among digital natives.
Transformasi Syirkah dalam Securities Crowdfunding Syariah: Analisis Fiqh Muamalah atas Keadilan Nisbah Keuntungan Siswandi; Tri Hidayati; Muhammad Taufik Rahman
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.14918

Abstract

Penelitian ini bertujuan menganalisis transformasi akad syirkah dalam securities crowdfunding syariah serta mengevaluasi keadilan nisbah keuntungan pada platform Shafiq berdasarkan perspektif fiqh muamalah. Penelitian menggunakan pendekatan kualitatif dengan jenis penelitian kepustakaan (library research) dan pendekatan yuridis normatif. Data diperoleh dari prospektus Sukuk Musyarakah PT Nusantara Agung Solusi dan PT Kresna Karya Teknologi pada platform Shafiq, Fatwa DSN-MUI, regulasi Otoritas Jasa Keuangan, serta berbagai literatur fiqh muamalah dan Islamic fintech yang relevan. Analisis dilakukan secara deskriptif-analitis melalui tahapan deskripsi, interpretasi, dan evaluasi dengan menggunakan kerangka al-ghunm bil-ghurm, keadilan syirkah, Fatwa DSN-MUI Nomor 114/DSN-MUI/IX/2017, dan maqashid syariah. Hasil penelitian menunjukkan bahwa securities crowdfunding syariah merepresentasikan transformasi syirkah ke dalam ekosistem keuangan digital melalui kombinasi akad wakalah dan musyarakah. Struktur nisbah keuntungan yang ditemukan, yaitu investor menyumbang sebagian besar modal tetapi memperoleh porsi keuntungan yang lebih kecil dibandingkan penerbit, secara formal sesuai dengan ketentuan fiqh muamalah dan pandangan mayoritas mazhab yang membolehkan pembagian keuntungan tidak proporsional terhadap modal berdasarkan kesepakatan dan kontribusi usaha. Namun, temuan penelitian juga menunjukkan bahwa keadilan dalam syirkah digital tidak dapat dinilai hanya dari legalitas akad, melainkan perlu mempertimbangkan hubungan antara modal, risiko, akses informasi, dan posisi tawar para pihak. Penelitian ini menyimpulkan bahwa transformasi syirkah dalam Islamic fintech menuntut evaluasi keadilan substantif selain kepatuhan syariah formal. Oleh karena itu, penguatan transparansi informasi, perlindungan investor, dan tata kelola securities crowdfunding syariah perlu menjadi perhatian regulator dan penyelenggara platform. Penelitian selanjutnya disarankan melakukan studi komparatif lintas platform atau lintas negara untuk memperluas pemahaman mengenai implementasi keadilan dalam keuangan digital syariah.
Partnership-Based Marketing Integration of Honey Pineapple Farmers in Belik Village: Strengthening Farmer Welfare through Premium Market Access Zulfikar; Imam Alfi
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.14921

Abstract

This study aims to analyze the marketing system for honey pineapples in Belik Village, evaluate the capacity for empowering the local community, and formulate a partnership-based marketing integration strategy with Nur Buah. A qualitative approach with a field research design was employed, utilizing direct observation, semi-structured interviews, and document analysis. A total of 18 informants, consisting of farmers, administrators of the Makmur Farmers’ Group and the Berkah Tani Women Farmers’ Group, Nur Buah managerial staff, and village officials, were selected using purposive sampling. Data analysis followed the Miles, Huberman, and Saldana interaction model through the stages of data condensation, open coding, axial coding, and the drawing and verification of conclusions. The research findings indicate that the disparity in farmers’ welfare stems from structural market failures rather than a productivity deficit, characterized by the absence of post-harvest infrastructure, price information asymmetry, and fragmented group governance. The study also identified the innovation capacity of the local community through the Berkah Tani Farmers’ Group, which has produced value-added processed products. Based on these findings, the study formulated a four-pillar partnership strategy: formalization of contract farming, strengthening of farmer group governance, price information transparency, and co-investment in post-harvest infrastructure. The study recommends institutional support from local governments and efforts to improve farmers’ contract literacy to ensure their active participation and the long-term protection of their rights.
Pengaruh Literasi Digital, Kontrol Diri dan Layanan Perbankan Syari’ah Terhadap Cashless Lifestyle Mahasiswa Muslim Kota Medan Febrianti Shakira; Sugianto; Ahmad Syakir
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15143

Abstract

Transformasi digital telah mempercepat adopsi transaksi nontunai (cashless), khususnya di kalangan mahasiswa Muslim. Namun, penerapan gaya hidup cashless tidak hanya dipengaruhi oleh kemajuan teknologi, tetapi juga oleh kemampuan individu dalam memanfaatkan teknologi digital, mengendalikan diri, serta mengakses layanan keuangan yang sesuai dengan prinsip-prinsip syariah. Penelitian ini bertujuan untuk menganalisis pengaruh literasi digital, pengendalian diri (self-control), dan layanan perbankan syariah terhadap gaya hidup cashless pada mahasiswa Muslim di Kota Medan. Penelitian menggunakan pendekatan kuantitatif dengan desain cross-sectional yang melibatkan 100 responden yang dipilih melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner berskala Likert dan dianalisis dengan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) menggunakan perangkat lunak SmartPLS 4.0. Hasil penelitian menunjukkan bahwa literasi digital, pengendalian diri, dan layanan perbankan syariah berpengaruh positif dan signifikan terhadap gaya hidup cashless mahasiswa Muslim. Di antara ketiga variabel tersebut, layanan perbankan syariah memberikan pengaruh paling kuat, diikuti oleh pengendalian diri dan literasi digital. Temuan ini mengindikasikan bahwa adopsi gaya hidup cashless tidak hanya ditentukan oleh kemampuan teknologi, tetapi juga dipengaruhi oleh faktor psikologis dan dukungan kelembagaan yang berlandaskan nilai-nilai Islam. Penelitian ini memberikan kontribusi terhadap pengembangan Islamic Behavioral Finance dengan menunjukkan bahwa perilaku transaksi nontunai terbentuk melalui interaksi antara dimensi kognitif, psikologis, dan kelembagaan dalam ekosistem ekonomi digital. Dari sisi praktis, hasil penelitian ini memberikan masukan bagi perbankan syariah untuk meningkatkan kualitas layanan digital, bagi perguruan tinggi untuk memperkuat literasi digital dan pendidikan keuangan syariah, serta bagi para pembuat kebijakan untuk mendorong terciptanya ekosistem pembayaran digital yang inklusif, aman, berkelanjutan, dan sesuai dengan kebutuhan masyarakat Muslim.
The Moderating Role of Fintech Self-Efficacy in the Relationship Between Islamic Mobile Banking Usage and Islamic Investment Intention Yulfis Wandi; Cika Maylani; Isnaini Nuzula Agustin
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15193

Abstract

Although Islamic Financial Literacy and Religiosity are important determinants of investment behavior, limited studies have integrated these factors with fintech-related psychological constructs among Islamic mobile banking users. This study examines the effects of Islamic Financial Literacy and Religiosity on Islamic Investment Intention, with Attitude as a mediating variable and Fintech Self-Efficacy as a moderating variable, using an extended Theory of Planned Behavior (TPB) framework. A quantitative causal approach was employed using data from 366 Islamic mobile banking users in Batam. Data were collected through an online survey and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that Islamic Financial Literacy and Religiosity positively affect Attitude. Attitude positively influences Islamic Investment Intention and mediates the relationships between Islamic Financial Literacy, Religiosity, and Investment Intention. Fintech Self-Efficacy also has a positive direct effect on Investment Intention. However, its moderating effect on the relationship between Attitude and Investment Intention is negative and significant, indicating that users with higher technological confidence tend to make more selective investment decisions. The novelty of this study lies in integrating Islamic Financial Literacy, Religiosity, Attitude, and Fintech Self-Efficacy into a single model of Islamic investment behavior. The findings extend TPB by demonstrating the dual role of Fintech Self-Efficacy as a direct predictor and moderating factor of investment intention. Practically, the study highlights the importance of strengthening Islamic financial literacy and enhancing digital financial services to encourage participation in Islamic investment products.
The Impact of Product Performance, Customer Service, and Human Resources on Repeat Purchase Behavior: The Mediating Role of Customer Satisfaction in the Insurance Industry Fitriawaliyah Naibaho; Tri Inda Fadhila Rahma; Annio Indah Lestari Nasution
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15196

Abstract

Repeat Purchases are one of the main goals for marketing, sales and Customer Service teams. This is because Repeat Purchases are a way to increase revenue and ensure customer retention. This research analyzes the influence of Product Performance, Customer Service, and Human Resources on Repeat Purchases through Customer Satisfaction at PT. Sun Life Financial Medan Branch. Sampling in this study used the Likert scale method with a total of 80 insurance participant respondents. This researcher used SEM (Structural Equation Modeling) data analysis, with the PLS (Partial least Square) approach, regression analysis test, validity test, reliability test, multiple linear regression analysis, hypothesis testing, determinant coefficient (R2) and path analysis techniques. The results of the research show that Product Performance has a significant influence on Repeat Purchases, Product Performance has a significant influence on Satisfaction, Customer Service has a significant influence on Customer Satisfaction, Human Resources has a significant influence on Repeat Purchases, Human Resources has a significant influence on Customer Satisfaction and Customer Satisfaction has a significant influence on Repeat Purchases at PT. Sun Life Financial Medan.
Persepsi Mahasiswa dan Keputusan Adopsi QRIS: Bukti Empiris dari Mahasiswa Perbankan Syariah UMSU Azizah Khairunnisa; Isra Hayati
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.v11i1.15226

Abstract

Perkembangan sistem pembayaran digital di Indonesia telah mendorong peningkatan penggunaan Quick Response Code Indonesian Standard (QRIS). Namun, penelitian yang secara khusus mengkaji pengaruh persepsi mahasiswa terhadap keputusan penggunaan QRIS pada mahasiswa dengan latar belakang pendidikan syariah masih terbatas. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh persepsi mahasiswa terhadap keputusan penggunaan QRIS pada mahasiswa Program Studi Perbankan Syariah Universitas Muhammadiyah Sumatera Utara. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui penyebaran kuesioner kepada 37 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan dengan regresi linear sederhana. Hasil penelitian menunjukkan bahwa persepsi mahasiswa berpengaruh positif dan signifikan terhadap keputusan penggunaan QRIS. Hal ini dibuktikan oleh nilai thitung sebesar 4,597 yang lebih besar daripada ttabel sebesar 2,030 (4,597 > 2,030) dengan tingkat signifikansi sebesar 0,001 (< 0,05). Nilai Adjusted R Square sebesar 0,376 menunjukkan bahwa persepsi mahasiswa mampu menjelaskan 37,6% variasi keputusan penggunaan QRIS, sedangkan 62,4% lainnya dipengaruhi oleh faktor-faktor di luar penelitian. Temuan ini menunjukkan bahwa semakin positif persepsi mahasiswa, semakin tinggi kecenderungan mereka untuk menggunakan QRIS sebagai metode pembayaran digital. Penelitian ini berkontribusi pada pengembangan literatur mengenai adopsi QRIS dengan memberikan bukti empiris dari perspektif mahasiswa Perbankan Syariah serta memperkuat pemahaman mengenai peran persepsi dalam mendorong inklusi keuangan digital berbasis syariah.
Understanding Islamic Banking Adoption among Non-Economics Students in Medan City: The Roles of Financial Literacy and Awareness Elvina Zailanty Harahap; Nurul Inayah; Kamilah K.
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15283

Abstract

This study aims to examine the influence of financial literacy and awareness on non-economics students' decisions to use Islamic banking services in Medan City. A quantitative survey approach was employed involving 96 respondents selected through purposive sampling. Data were collected using a five-point Likert-scale questionnaire and analyzed using multiple linear regression after passing validity, reliability, and classical assumption tests. The findings reveal that financial literacy has no significant effect on the decision to use Islamic banking (β = 0.091; B = 0.093; t = 0.924; p = 0.358), whereas awareness has a positive and statistically significant effect (β = 0.512; B = 0.480; t = 5.169; p < 0.001) and emerges as the most influential predictor. Simultaneously, financial literacy and awareness significantly affect the decision to use Islamic banking (F = 21.579; p < 0.001), with an R² value of 0.317, indicating that the model explains 31.7% of the variance in respondents' decisions. Theoretically, this study contributes to the Islamic banking behavior literature by demonstrating that awareness is a stronger predictor than financial literacy among non-economics students. Practically, the findings suggest that strategies to increase Islamic banking adoption should not rely solely on financial education but should also emphasize awareness-building through socialization programs, digital media campaigns, and more effective communication strategies targeting university students.

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