Pengaruh Literasi, Inklusi, Locus of Control dan Perilaku Rasional Investor terhadap Keputusan Investasi Syariah

Abstract

Pertumbuhan jumlah investor syariah mengalami peningkatan yang pesat. Namun, pengambilan keputusan investasi di Indonesia masih relatif rendah yang dilihat dari jumlah Single Investor Identification (SID) belum mencapai 1% dari total penduduk Indonesia. Penelitian ini bertujuan untuk mengidentifikasi tingkat literasi keuangan syariah di DKI Jakarta dan menganalisis pengaruh literasi, inklusi, locus of control dan perilaku investasi terhadap keputusan investasi di DKI Jakarta dengan total responden 151 orang. Analisis data dilakukan dengan SEM-PLS dan analisis deskriptif. Hasil penelitian ini menunjukkan bahwa tingkat literasi keuangan syariah di DKI Jakarta termasuk cukup baik (sufficient literate). Literasi, inklusi, dan locus of control berpengaruh terhadap keputusan investasi sementara perilaku rasional investor tidak berpengaruh terhadap keputusan investasi.

The number of islamic investors has grown rapidly in recent years. However, investment decision making in Indonesia remains relatively low as evidenced by the number of Single Investor Identification (SID) which has not reached 1% of Indonesia total population. This study aims to measure the level of islamic financial literacy and analyze the effect of literacy, inclusion, locus of control and investment behavior towards investment decision amounted to 151 people obtained by distributing questionnaires to sharia investors in DKI Jakarta. Data were analyzed using SEM-PLS and descriptive statistical. The results of this study show the level of islamic financial literacy in DKI Jakarta is sufficient literate. Islamic financial literacy, sharia financial inclusion and locus of control influence significantly to investment decision. Investment behavior does not significantly influence investment decision.