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This study aims to analyze market sentiment towards Gold Financing Products (PKE) in Islamic banking before and after the Trump Effect phenomenon using the text mining method. This technique involves extracting information from unstructured text data to then be visualized and analyzed using the Natural Language Processing (NLP) approach and a RoBERTa-based classification model. Data was collected through web scraping from the X application with the help of API and processed using Google Colab. From a total of 4,074 tweets analyzed, it was found that the majority of public sentiment was neutral (59%), followed by negative (24%) and positive (17%). This reflects the public's tendency to discuss informatively rather than emotionally, although there was a spike in negative sentiment in certain periods indicating sensitivity to global dynamics, especially the impact of the Trump Effect on gold prices. The resulting wordcloud reveals key topics such as gold prices, buying and selling activities, and institutions such as Pegadaian Syariah and BSI. Terms such as "sharia", "riba", and "principles" emphasize the importance of Islamic financial values ​​in public perception. The results of this study indicate that text mining-based sentiment analysis is effective in capturing the dynamics of public opinion in real-time and can be a strategic tool for Islamic financial institutions in responding to market changes.

This study aims to determine the effect of financial literacy and financial self-efficacy on risky credit behavior in using paylater (survey of students in tasikmalaya city). The method used in this research is a quantitative method through a survey approach. With a research sample of 100 students in Tasikmalaya City who use PayLater. The data used is using primary data. The analytical tool used in this research is multiple regression using SPSS 26.0. The results showed that financial literacy has a good assessment classification, financial self-efficacy has a good assessment and risky credit behavior has a good assessment classification for students in Tasikmalaya City who use PayLater. Simultaneously financial literacy and financial self-efficacy have a significant influence on risky credit behavior. Partially, financial literacy does not have a significant effect on risky credit behavior and financial self-efficacy has a significant effect on risky credit behavior in students in Tasikmalaya City who use PayLater.