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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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Determinants of Student Work Readiness: The Role of Internship Experience, Organizational Involvement, and Networking Wijaya Agus Setiawan; Nurhadi
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.v11i2.15296

Abstract

The increasing competitiveness of the modern labor market, driven by globalization and rapid technological change, has placed graduate work readiness as a pressing strategic concern in higher education. Despite extensive studies on internship and organizational experiences, limited research has examined the combined role of professional networking in shaping students' work readiness, particularly within the Indonesian higher education context. Grounded in Human Capital Theory and Social Capital Theory, this study analyzes the influence of Internship Experience, Organizational Involvement, and Networking on the work readiness of students at Universitas Pembangunan Nasional "Veteran" Jawa Timur. A quantitative associative design was employed, with data collected through questionnaires distributed to 154 students from the 2022 and 2023 cohorts via purposive and proportionate stratified random sampling, analyzed using multiple linear regression. The findings reveal that all three variables simultaneously exert a significant effect on work readiness (F = 33.851; p < 0.001). Partially, Internship Experience (t = 3.644; p < 0.001) and Networking (t = 5.984; p < 0.001) each demonstrate a positive and significant effect, while Organizational Involvement does not yield a significant effect (t = 1.346; p = 0.180), suggesting that organizational participation without substantive leadership roles and professional relevance may be insufficient to enhance work readiness. Networking emerges as the most dominant predictor (β = 0.524), underscoring a paradigm shift in graduate employability from human capital qualifications toward social capital competencies. The three variables collectively explain 39.2% of the variance in work readiness. This study contributes novelty by establishing networking as an independent and dominant predictor within a unified model, offering implications for universities, career centers, and industry stakeholders in designing programs that holistically develop graduate employability.
The Impact of Islamic Bank Mergers on Work Culture and Customer Service Quality: A Case Study of Bank Syariah Indonesia (BSI) in Mandailing Natal Amelia Sri Ningsih; Muhammad Arif; Wahyu Syarvina
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.v11i2.15351

Abstract

The merger of three state-owned Islamic banks into Bank Syariah Indonesia (BSI) is a strategic move to strengthen the national Islamic banking industry. However, previous studies have largely focused on financial performance and competitiveness, while research on the merger’s impact on employee work culture and customer service quality at the branch level remains limited, particularly in Mandailing Natal Regency. This study aims to analyze the impact of the BSI merger on employee work culture and customer service quality at BSI Mandailing Natal. This study employs a qualitative approach using the case study method. Data were collected through in-depth interviews and observations from 5 informants comprising BSI employees and customers selected using purposive sampling. The results of the study indicate that the BSI merger has driven changes in work culture toward a more dynamic, fast-paced, integrated, and digitally oriented environment. Employees are required to enhance their adaptability, product knowledge, and service competencies. From a service perspective, the merger has improved access to services through the development of BSI Mobile, the expansion of the ATM network, and the simplification of digital transactions. Nevertheless, during the transition period, challenges were still encountered, including account migration processes, digital system disruptions, and limited access to services for some customers. This study concludes that the BSI merger has had a impact on the transformation of work culture and the improvement of customer service quality. These findings contribute to the development of research on post-merger organizational integration in Islamic banking and provide insights for BSI management in strengthening digital transformation strategies and enhancing service quality.
The Impact of Environmental, Social, and Governance Disclosure on Firm Value of Energy Sector Companies Cici Wulan Syanggraini; Erna Sulistyowati
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.v11i2.15395

Abstract

This study aims to analyze the effect of environmental, social, and governance disclosure on the company value of energy sector companies listed on the Indonesia Stock Exchange (IDX) during the 2022-2024 period. Company value in this study is measured using Tobin’s Q. Environmental, Social, and Governance Disclosure is measured based on GRI Standards indicators, which consist of 32 environmental indicators, 36 social indicators, and 13 governance indicators. The study uses a quantitative approach with purposive sampling, consisting of 55 energy sector companies. Secondary data taken from annual reports and sustainability reports available on the IDX website or company websites. Panel data analysis with statistical testing was conducted using EViews 12 software. The research results show that Environmental disclosure does not have a significant effect on firm value, indicating that investors in the Indonesian capital market have not fully factored environmental disclosure information into their investment decisions. Social disclosure has a significant negative effect on firm value, suggesting that investors in the energy sector see social spending as an operational burden that reduces company profitability. Governance disclosure has a significant negative effect on firm value, Governance disclosure has a significantly negative impact on firm value, which is because broader governance disclosure might be read by the market as a signal of fundamental weakness rather than strength due to the obligation to meet the minimum GCG standards set by the Financial Services Authority (OJK). These findings imply that compliance driven ESG disclosure has not yet been able to create market recognized added value in Indonesia's energy sector.
Cashless Lifestyle among Generation Z: Implications for Islamic Banking Digital Transformation in Medan City Chindy Jihan Najiyah; Kusmilawaty; Muhammad Lathief Ilhamy 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.v11i2.15449

Abstract

The rapid growth of digital payment systems has accelerated the emergence of a cashless society, particularly among Generation Z. Although previous studies have examined the determinants of cashless payment adoption, limited research has explored how cashless behavior influences lifestyle changes and its implications for Islamic banking digital transformation. This study aims to analyze Generation Z’s cashless payment behavior and its implications for Islamic banking in Medan, Indonesia. The Technology Acceptance Model (TAM) serves as the analytical framework, focusing on perceived usefulness and perceived ease of use. A qualitative exploratory approach was employed through semi-structured interviews and observations involving four Generation Z participants. Data were analyzed using the Miles and Huberman interactive model, including data reduction, data display, and conclusion drawing. The findings indicate that perceived usefulness and perceived ease of use are the primary drivers of cashless payment adoption. Cashless usage has reshaped Generation Z’s lifestyle through increased transaction intensity, greater consumption flexibility, and more technology-oriented financial management. However, the study reveals that high adoption of digital payments does not automatically lead to greater adoption of Islamic banking services. Instead, service quality, system reliability, and user experience are more influential factors. This study contributes to the literature by linking TAM, cashless behavior, lifestyle change, and Islamic banking digital transformation within the context of the digital economy.
The Influence of Good Corporate Governance Mechanisms and Corporate Social Responsibility Disclosure on the Financial Performance of LQ45 Companies in Indonesia for the 2022–2024 Period Putri Ika Safitri; Rusliyawati; Nina Febriana Dosinta
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.v11i2.15453

Abstract

This study aims to analyze the influence of Good Corporate Governance (GCG) mechanisms, proxied by the Board of Commissioners, Board of Directors, and Audit Committee, as well as Corporate Social Responsibility (CSR) disclosure, on the financial performance of LQ45 companies listed on the Indonesia Stock Exchange during the 2022–2024 period in the sustainability reporting era. This study uses a quantitative approach with secondary data obtained from the companies' annual reports and sustainability reports. The research sample consisted of 15 LQ45 companies over three years of observation, resulting in 45 observations. Data analysis was performed using multiple linear regression with the assistance of statistical software. The results show that simultaneously, the Board of Commissioners, Board of Directors, Audit Committee, and CSR significantly influence the company's financial performance. Partially, the Board of Directors and Audit Committee significantly influence financial performance, while the Board of Commissioners and CSR disclosure do not. These findings indicate that the effectiveness of corporate governance is more determined by the decision-making and internal oversight functions carried out by the board of directors and audit committee than by the number of commissioners. Furthermore, CSR disclosure has not been able to have a direct impact on increasing company profitability in the short term. This research provides empirical evidence by presenting the latest evidence on the relationship between GCG mechanisms, CSR, and financial performance in LQ45 companies amidst increasing demands for sustainability reporting. The research findings are expected to serve as a reference for management, investors, and regulators in improving corporate governance and implementing business sustainability.
The Effects of Inflation, Interest Rates, and Exchange Rates on the Stock Returns of Companies Listed in the IDX30 Index of the Indonesia Stock Exchange during 2021–2025 Tiana Bela; Muhammad Suparmoko; Ende
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.v11i2.15456

Abstract

This study aims to analyze the effect of inflation, interest rates, and exchange rates on stock returns in companies listed on the IDX30 index on the Indonesia Stock Exchange during the 2021–2025 period. This study uses a quantitative approach with secondary data obtained from the Indonesia Stock Exchange, Bank Indonesia, and the Central Bureau of Statistics. The research sample consists of 19 companies consistently listed on the IDX30 index during the observation period, with a total of 95 observations. The analytical method used is panel data regression analysis with the help of Eviews 12 software, and the model used in this study is the Common Effect Model (CEM). The results show that inflation has a positive and significant effect on stock returns, interest rates have a negative and significant effect on stock returns, while the exchange rate has no significant effect on stock returns. Simultaneously, inflation, interest rates, and the exchange rate have a significant effect on stock returns. The coefficient of determination shows that the independent variables are able to explain 18.38% of stock returns, while the remainder is influenced by other factors outside the research model. The results of this study provide implications that macroeconomic factors are still an important consideration in making investment decisions on leading stocks included in the IDX30 Index.
AI-Driven Sharia Financing Transformation: Digital Governance and Sharia Compliance Challenges at FIF GROUP Indonesia Azkia Ahilatu Syifa; Maskur Rosyid; Saifudin; Irfan Musonif
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.v11i2.15457

Abstract

The rapid advancement of digital technology has accelerated the transformation of Islamic financing institutions toward more efficient and data-driven services. However, the implementation of Artificial Intelligence (AI) in Islamic financing raises challenges related to digital governance, Sharia compliance, algorithmic transparency, and ethical accountability. Existing studies mainly focus on Islamic banking and fintech, while limited attention has been given to AI implementation in non-bank Islamic financing institutions in Indonesia. This study aims to analyze the role of AI in supporting digital transformation at FIFGROUP Indonesia, particularly through its Sharia financing unit, AMITRA, and to examine the resulting Sharia governance challenges. This study uses a qualitative documentary study approach with a normative and socio-legal approach. Data were collected through document analysis of financial regulations, DSN-MUI fatwas, academic literature, annual reports, and digital financing practices implemented by FIFGROUP. The data were analyzed thematically to identify the implications of AI adoption in Sharia financing services. The findings indicate that AI improves operational efficiency, customer service automation, risk assessment accuracy, fraud detection, and transaction transparency. However, AI implementation also creates challenges related to algorithmic opacity, digital gharar (uncertainty), data privacy, and the validity of electronic contracts. This study argues that explainable AI, human oversight, and adaptive Sharia governance are essential to ensuring that digital financing practices remain aligned with the principles of justice, transparency, and maqāṣid al-sharī‘ah.

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