Keputusan Investasi Generasi Milenial DKI Jakarta di Peer-To-Peer Financing Syariah saat Pandemi COVID-19

Abstract

DKI Jakarta merupakan wilayah dengan proporsi pengguna internet tertinggi dari total penduduk tiap provinsi di pulau Jawa, termasuk dalam hal penggunaan financial technology (fintech). Peer-To-Peer Financing Syariah (P2PFS) merupakan salah satu jenis fintech yang menjadi pilihan investasi bagi generasi milenial, namun pengguna fintech syariah ini dari sisi investor masih sangat sedikit terutama saat pandemi COVID-19. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang memengaruhi keputusan investasi generasi milenial DKI Jakarta di P2PFS saat pandemi COVID-19 melalui sampel 100 investor milenial DKI Jakarta. Metode yang digunakan adalah analisis deskriptif dan regresi logistik biner. Hasil penelitian menunjukkan bahwa saat pandemi COVID-19, literasi keuangan syariah, pengetahuan P2PFS, kepercayaan, lingkungan sosial, jenis kelamin, dan pendapatan berpengaruh signifikan positif terhadap keputusan investasi di P2PFS.

DKI Jakarta is the region with the highest proportion of internet users from the total population of each province on the island of Java, including in terms of the use of financial technology (fintech). Peer-To-Peer Financing Syariah (P2PFS) is one type of fintech that is an investment choice for millennials, but sharia fintech users from the investor side are still very few, especially during the COVID-19 pandemic. This research aims to find out the factors that influence the investment decisions of DKI Jakarta millennials in P2PFS during the COVID-19 pandemic through a sample of 100 DKI Jakarta millennial investors. The methods used are descriptive analysis and binary logistic regression. The results showed that during the COVID-19 pandemic, Islamic financial literacy, P2PFS knowledge, trust, social environment, gender, and income had a significant positive effect on investment decisions in P2PFS.