Literasi Keuangan Syariah dan Pengaruhnya Terhadap Keputusan Investasi Melalui Perilaku Keuangan Mahasiswa
Abstract
Survei Otoritas Jasa Keuangan 2019 menunjukkan tingkat literasi keuangan
syariah sebesar 8,93% dan belum merata di setiap sektornya terutama pada pasar
modal. Indeks inklusi keuangan syariah pasar modal juga memiliki nilai terendah
diantara sektor lain. Provinsi Jawa Barat memiliki indeks literasi keuangan syariah
terendah di Pulau Jawa, namun sebenarnya berpotensi dalam pembangunan
ekonomi syariah melalui jumlah penduduk dan mahasiswanya. Penelitian ini
bertujuan menganalisis tingkat literasi keuangan syariah mahasiswa FEM IPB
University dan pengaruhnya terhadap keputusan investasi melalui perilaku
keuangan dengan metode analisis deskriptif dan SEM-PLS. Hasil penelitian
menunjukkan rata-rata tingkat literasi keuangan syariah responden adalah 81,17%,
literasi keuangan syariah berpengaruh terhadap keputusan investasi dan perilaku
keuangan, kemudian perilaku keuangan berpengaruh langsung terhadap keputusan
investasi dan mampu memediasi pengaruh literasi keuangan syariah terhadap
keputusan investasi, ditemukan pula jenis kelamin tidak berpengaruh sementara
pendapatan berpengaruh positif dan signifikan terhadap keputusan investasi. Financial Services Authority survey 2019 showed sharia financial literacy
rate of 8.93% and has not been evenly distributed in every sector, especially in the
capital market. The capital market sharia financial inclusion index also has the
lowest among other sectors. West Java province has the lowest sharia financial
literacy index in Java Island, but it actually has the potential in sharia economic
development through its population and students. This study aims to analyze the
level of sharia financial literacy of students of the FEM IPB University and its
influence on investment decisions through financial behavior with descriptive
analysis and SEM-PLS methods. The results show the average level of sharia
financial literacy of respondents is 81.17%, sharia financial literacy influence
investment decisions and financial behavior, then financial behavior directly
influence investment decisions and is able to mediate the influence of sharia
financial literacy on investment decisions, it is also found that gender have no effect
while income has a positive and significant effect on investment decisions.
Collections
- UT - Syariah Economic [466]