Peran Religiusitas Sebagai Variabel Moderating Pengetahuan, Persepsi Produk Bank Syariah dan Literasi Keuangan Tehadap Minat Investasi Syariah
Abstract
The progressive development of sharia banking in Indonesia is quite significant, so many use sharia-based products, one of which is sharia investment. Apart from Islamic law, several factors influence students to invest in sharia: knowledge, perceptions of sharia banking products, and financial literacy. This study was conducted to determine the effect of knowledge, perceptions of sharia bank products, and financial literacy with religiosity as a moderating variable on sharia investment interest. This research utilizes quantitative research methods with purposive sampling as a sampling technique with 100 students as respondents. Google form is used as a research instrument to obtain the accuracy of the results. Then the data were analyzed using Structural Equation Modeling. From the results of this research analysis, knowledge can influence interest in sharia's investment. However, it is less significant on the variable interest in sharia investment. At the same time, the perceptions of Sharia bank products and financial literacy have a positive and significant effect on interest in Sharia investment. Then religiosity can moderate knowledge, perceptions of sharia bank products, and financial literacy on sharia investment interest.
References
Abdullahi, S., & Shaharuddin, A. (2016). Knowledge And Awareness Of Islamic Banking And Finance In Macedonia: An Empirical Evidence. Journal of Global Business and Social Entrepreneurship (GBSE), 2 (4), 12.
Adiningtyas, S., & Hakim, L. (2022). Pengaruh Pengetahuan Investasi, Motivasi, dan Uang Saku terhadap Minat Mahasiswa Berinvestasi di Pasar Modal Syariah dengan Risiko Investasi sebagai Variabel Intervening. Jurnal Ilmiah Ekonomi Islam, 8, 9. http://dx.doi.org/10.29040/jiei.v8i1.4609
Aini, N., Maslichah, & Junaidi. (2019). Pengaruh Pengetahuan Dan Pemahaman Investasi, Modal Minimum Investasi, Return, Risiko Dan Motivasi Investasi Terhadap Minat Mahasiswa Berinvestasi Di Pasar Modal (Studi Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Kota Malang). E-Jra, 08 (05), 38–52.
Asriana, N., Bacmid, S., Ms, S., & Jalil, A. (t.t.). Pengaruh Persepsi Dan Modal Minimal Terhadap Minat Investasi Di Pasar Modal Syariah ( Studi Pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Palu ).
Audini, A. F. (2020). Pengaruh Literasi Keuangan Terhadap Keputusan Investasi Dengan Perilaku Kuangan Sebagai Varaibel Moderasi. Niagawan, 9 (2), 102. https://doi.org/10.24114/niaga.v9i2.19035
Baiq Fitri Arianti & Khoirunnisa Azzahra. (2020). Faktor - Faktor Yang Mempengaruhi Literasi Keuangan: Studi Kasus UMKM Kota Tangerang Selatan. Jurnal Manajemen dan Keuangan, 9 (2), 156–171. https://doi.org/10.33059/jmk.v9i2.2635
Belwal, R., & Al Maqbali, A. (2019). A study of customers’ perception of Islamic banking in Oman. Journal of Islamic Marketing, 10 (1), 150–167. https://doi.org/10.1108/JIMA-02-2016-0008
Fauziah, L. N. (2019). Analisis Pengaruh Tingkat Literasi Keuangan Dan Religiusitas Terhadap Keputusan Investasi Studi Pada Mahasiswa Fakultas Ekonomi Uin Maulana Malik Ibrahim Malang. Etheses of Maulana Malik Ibrahim State Islamic University.
Harahap, S. B., & Bustami, Y. (2021). Pengaruh Literasi Keuangan Terhadap Minat Investasi. 2 (2), 75–82.
Hasanah, F. (2019). Pengaruh Tingkat Religiusitas, Pengetahuan, Kualitas Produk Dan Kualitas Pelayanan Terhadap Preferensi Menabung Mahasiswa Universitas Muhammadiyah Palembang Pada Bank Syariah. BALANCE Jurnal Akuntansi dan Bisnis, 4 (1), 485. https://doi.org/10.32502/jab.v4i1.1815
HC, R. H. K., & Gusaptono, R. H. (2020). The Impact of Financial Literacy on Investment Decisions Between Saving and Credit: Studies on Sharia Bank Customers in the Special Region of Yogyakarta. Journal of Economics and Business, 3 (4). https://doi.org/10.31014/aior.1992.03.04.291
Himmah, N. F. (2017). Pengaruh Pengetahuan Tentang Bank Syariah, Kelompok Referensi dan Edukasi Masyarakat Terhadap Minat Menabung di Bank Syariah Jawa Timur. Universitas Negeri Surabaya.
Jibril, B. T., Hamid, K. T., Muhammad, A. D., & Rabi’u, W. T. (2021). Awareness and Perception of Customers on Islamic Banking Products and Services: A Meta-Synthesis. Journal of Accounting Research, Organization and Economics, 4 (3), 234–247. https://doi.org/10.24815/jaroe.v4i3.20057
Kamakia, M. G., Mwangi, C. I., & Mwangi, M. (2017). Financial Literacy and Financial Wellbeing of Public Sector Employees: A Critical Literature Review. European Scientific Journal, ESJ, 13 (16), 233. https://doi.org/10.19044/esj.2017.v13n16p233
Kanzu, H. Al, & Soesanto, H. (2016). Analisis Pengaruh Persepsi Kualitas Pelayanan Dan Percieved Value Meningkatkan Minat Menabung Ulang ( Studi Pada Bni Syariah Semarang ). Jurnal Studi Manajemen & Organisasi, 13, 14–27.
Lajuni, N., Bujang, I., Karia, Abd. A., & Yacob, Y. (2018). Religiosity, Financial Knowledge, And Financial Behavior Influence On Personal Financial Distress Among Millennial Generation. Jurnal Manajemen Dan Kewirausahaan, 20 (2). https://doi.org/10.9744/jmk.20.2.92-98
Lestari, W. (2013). Religiusitas Dan Persepsi Risiko Dalam Pengambilan Keputusan Investasi Pada Perspektif Gender. Journal of Business and Banking, 3 (2), 189. https://doi.org/10.14414/jbb.v3i2.236
Mbawuni, J., & Nimako, S. G. (2018). Muslim and non-Muslim consumers’ perception towards introduction of Islamic banking in Ghana. Journal of Islamic Accounting and Business Research, 9 (3), 353–377. https://doi.org/10.1108/JIABR-04-2016-0050
Md Husin, M., Aziz, S., & Choon Hee, O. (2021). Stock Investment Decision: The Impacts of Investor’s Perceived Trust, Religiosity and Attitude. International Journal of Academic Research in Business and Social Sciences, 11 (1), Pages 400-418. https://doi.org/10.6007/IJARBSS/v11-i1/7777
Mulyaningtyas, I. F., Soesatyo, Y., & Sakti, N. C. (2020). Pengaruh Pengetahuan Tentang Bank Syariah Dan Literasi Keuangan Terhadap Minat Menabung Siswa Pada Bank Syariah Di Kelas XI IPS MAN 2 Kota Malang. Jurnal Ekonomi Pendidikan Dan Kewirausahaan, 8 (1), 53. https://doi.org/10.26740/jepk.v8n1.p53-66
Nur Alfianto, A., & Nugroho, A. (2020). The Impact of Islamic Finance Knowledge and Religiosity on Gold Investment Behavior: An Extended of The Theory of Planned Behavior. Proceedings of the 2nd International Conference of Business, Accounting and Economics, ICBAE 2020, 5 - 6 August 2020, Purwokerto, Indonesia. Proceedings of the 2nd International Conference of Business, Accounting and Economics, ICBAE 2020, 5 - 6 August 2020, Purwokerto, Indonesia, Purwokerto, Indonesia. https://doi.org/10.4108/eai.5-8-2020.2301010
OJK. (2020). Snapshot Perbankan Syariah Indonesia September 2020. Otoritas Jasa Keuangan, 6.
Rahmawaty, A. (2014). Pengaruh Persepsi Tentang Bank Syari’Ah Terhadap Minat Menggunakan Produk Di Bni Syari’Ah Semarang. Addin, 8 (1), 1–28.
Ramadhan, R. J. & N. F. (2021). EL-ECOSY : Jurnal Ekonomi Dan Keuangan Islam Minat Investasi Di Pasar Modal Syariah Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Universitas Suryakancana Cianjur Fakultas Ekonomi dan Bisnis Islam , Universitas Suryakancana * Corresponding Author e-mai. 01 (02).
Rokhani, S., & Nurkhin, A. (2021). Pengaruh Pengetahuan dan Karakteristik Bank Terhadap Minat Menabung Mahasiswa di Bank Syariah Dengan Religiusitas Sebagai Variabel Moderasi. Business and Accounting Education Journal, 2 (2), 221–229. https://doi.org/10.15294/baej.v2i2.50651
Rusdianto, H., & Ibrahim, C. (2017). Pengaruh Produk Bank Syariah Terhadap Minat Menabung Dengan Persepsi Masyarakat Sebagai Variabel Moderating Di Pati. Equilibrium: Jurnal Ekonomi Syariah, 4 (1), 43. https://doi.org/10.21043/equilibrium.v4i1.1837
Solimun, Fernandes, A. A. R., & Nurjannah. (2017). Metode Statistika Multivariat (Pertama). UB Press.
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alfabeta.
Syaifullah, M., Fachrurazi, F., Achmad, F., Usman, S. A., & Wahyuni, R. (2019). Manajemen Strategi Galeri Investasi Syariah Dalam Meningkatkan Minat Mahasiswa Untuk Berinvestasi Di Pasar Modal Syariah. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah, 3 (2), 108. https://doi.org/10.24252/al-mashrafiyah.v3i2.10037
Thohari, C., & Hakim, L. (2021). Peran Religiusitas Sebagai Variabel Moderating Pembelajaran Perbankan Syariah, Literasi Keuangan Syariah, Product Knowledge Terhadap Keputusan Menabung Di Bank Syariah. Jurnal Pendidikan Akuntansi (JPAK), 9 (1), 46–57.
Zulchayra, Z., Ibrahim, A., & Fitria, A. (2020). Pengaruh Sosialisasi Dan Pengetahuan Terhadap Minat Investasi Di Pasar Modal Syariah (Studi Pada Mahasiswa di Banda Aceh). JIHBIZ :Global Journal of Islamic Banking and Finance., 2 (2), 138. https://doi.org/10.22373/jihbiz.v2i2.8645
Copyright (c) 2022 Dwi Nur Agustin, Luqman Hakim
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Jurnal Pendidikan Akuntansi (JPAK) is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
PDF Downloads: 1323