https://embistek.org/jurnal/index.php/embistek/issue/feed 2026-02-13T14:21:33+07:00 EMBISTEK embistekjurnal@gmail.com Open Journal Systems <table class="data" width="100%" bgcolor="#f0f0f0"> <tbody> <tr valign="top"> <td width="20%">Journal title</td> <td width="80%"><strong>Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi </strong></td> </tr> <tr valign="top"> <td width="20%">Abreviation</td> <td width="80%"><strong>EMBISTEK</strong></td> </tr> <tr valign="top"> <td width="20%">Subject</td> <td width="80%"><strong>Social Engagement</strong></td> </tr> <tr valign="top"> <td width="20%">Language</td> <td width="80%"><strong>Indonesian &amp; English</strong></td> </tr> <tr valign="top"> <td width="20%">Frequency</td> <td width="80%"><strong>Three issues per year (February, June &amp; October)</strong></td> </tr> <tr valign="top"> <td width="20%">DOI</td> <td width="80%"><strong><a href="https://doi.org/10.62833/embistek">doi.org/10.62833/embistek</a> by Crossref</strong></td> </tr> <tr valign="top"> <td width="20%">ISSN</td> <td width="80%"><strong><a href="https://issn.brin.go.id/terbit/detail/20220919231238913" target="_blank" rel="noopener">2963-8984</a> (Online)</strong></td> </tr> <tr valign="top"> <td width="20%">Publisher</td> <td width="80%"><a href="https://embistek.org/" target="_blank" rel="noopener"><strong>Yayasan Azam Insan Cendikia</strong></a></td> </tr> <tr valign="top"> <td width="20%">Editor in-chief</td> <td width="80%"><strong><a href="https://scholar.google.com/citations?user=ocleOF0AAAAJ&amp;hl=id" target="_blank" rel="noopener">Roza Linda</a></strong></td> </tr> <tr valign="top"> <td width="20%">Citation Analysis</td> <td width="80%"><strong><a href="https://garuda.kemdikbud.go.id/journal/view/31711">Garuda </a>| <a href="https://scholar.google.com/citations?user=WYNOF7MAAAAJ&amp;hl=id" target="_blank" rel="noopener">Google Scholar</a> | <a href="https://app.dimensions.ai/discover/publication?search_mode=content&amp;and_facet_source_title=jour.1478617" target="_blank" rel="noopener">Dimension</a></strong></td> </tr> </tbody> </table> <p>Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi (EMBISTEK) is a peer-reviewed national journal published by Yayasan Azam Cendikia, Pekanbaru, Indonesia. This journal focuses on research and studies in the fields of Economics, Business Management, Islamic Finance, Accounting, and Technology. EMBISTEK provides a platform for academics, researchers, and practitioners to publish empirical and conceptual works that integrate economic development, Islamic values, and technological innovation to support sustainable growth.</p> https://embistek.org/jurnal/index.php/embistek/article/view/245 2025-12-29T06:41:14+07:00 Dwi Wahyuni dwiwahyuni1303@gmail.com Roza Linda rozalinda@uin-suska.ac.id

<p><em>This quantitative study was conducted with the main focus on examining the extent to which behavioral and cognitive variables—including Financial Literacy (X1), Herding (X2), Risk Perception (X3), and Illusion of Control (X4)—affect Investment Decisions (Y) of clients at PT Pegadaian Syariah Soebrantas Branch. The method used involved collecting primary data from 129 respondents. Sampling was carried out through purposive sampling, where respondents were selected based on criteria established by the researchers. The data collected using a Likert-scale questionnaire were then processed and analyzed using the Multiple Linear Regression method with the help of SPSS 21 statistical software. The variables of financial literacy, herding, risk perception, and illusion of control dominated the influence on investment decisions, contributing a total of 32%, while the remaining effect was influenced by other variables that were not tested.</em></p> <p><em>&nbsp;</em></p> <p><strong><em>Keywords:</em></strong><em> Financial Literacy, Herding, Risk Perception, and Illusion of Control, Investment Decisions</em></p>

2026-02-13T00:00:00+07:00 Copyright (c) 2026 Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi https://embistek.org/jurnal/index.php/embistek/article/view/244 2025-12-11T16:21:50+07:00 Yanda Nofti hardi yahyahardianto1992@gmail.com Roza Linda rozalinda@uin-suska.ac.id

<p><strong><em>. </em></strong><em>Penelitian ini dilakukan pada mahasiswa yang menempuh pendidikan perguruan tinggi di Kota Pekanbaru. Tujuan dari penelitian ini untuk mengetahui pengaruh fintech payment, financial education in family, konformitas teman sebaya, hedonism lifestyle dan kontrol diri terhadap perilaku pengelolaan keuangan mahasiswa. Penelitian menggunakan pendekatan kuantitatif dan analisis regresi berganda dengan populasi yaitu mahasiswa perguruan tinggi di Kota Pekanbaru yang berjumlah </em><em>25.818</em><em> mahasiswa. Metode pengambilan sampel menggunakan non probability samping dengan pendekatan accidental sampling. Sampel penelitian ini berjumlah 324 mahasiswa. Hasil penelitian ini menunjukkan secara parsial financial education in family, konformitas teman sebaya dan kontrol diri berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan mahasiswa, sedangkan fintech payment berpengaruh negatif signifikan terhadap perilaku pengelolaan keuangan mahasiswa. Koefisien Determinasi (R²) dengan nilai 0,279 atau 27,9% variabel dependent penelitian ini dipengaruhi oleh financial technology, financial literacy, financial attitude dan locus of control secara simultan sebesar 27,9%, sementara sisanya 72,1% dipengaruhi oleh variabel lain yang tidak digunakan dalam penelitian ini.</em></p>

2026-02-13T00:00:00+07:00 Copyright (c) 2026 Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi