Pengaruh Literasi Keuangan dan Persepsi Manfaat terhadap Minat Berinvestasi Saham Syariah

Abstract

Abstract. The development of the Islamic financial industry, including the field of Islamic stock investment, is increasingly rapid in Indonesia. Based on data recorded on the Indonesia Stock Exchange as of November 2023, there were around 136 thousand investors who invested in Islamic stocks or equivalent to 2.6% of the total 5 million investors who invested in stocks the capital market. However, the level of interest in investing in Islamic stock among student students is still relatively low. Therefore, this study aims to determine the effect of financial literacy and perception of benefits on the interest in investing in Islamic stock among students of the sharia faculty of Bandung Islamic University. The method in the study uses a quantitative method with a survey approach. Primary data was obtained from questionnaires distributed in the form of google forms. While secondary data was obtained from websites, relevant journals and books.The sample used in this study were students of the sharia Faculty of Bandung Islamic University. The results of the t-test showed that the financial literacy variable had a significance calue of 0.045 < 0.05. based on these results, it can be concluded that financial literacy has an effect on interest in investing in Islamic stoks. While the variable of perceived benefits has a significance value of <0.001 lower than 0.05. Based on these results, it can be concluded that perceived benefits have an effect on investment interest in sharia stoks. So, if simultaneously financial literacy and perceived benefits have an effect on investment interest in Sharia stoks in students of the sharia faculty of Bandung Islamic University.

Abstrak. Perkembangan industri keuangan Syariah termasuk bidang investasi saham Syariah semakin pesat di Indonesia. Berdasarkan data yang tercatat di Bursa Efek Indonesia perbulan November 2023 ada sekitar 136 ribu investor yang berinvestasi saham syariah atau setara dengan 2,6% dari total keseluruhan 5 juta investor yang berinvestasi saham di pasar modal. Meskipun demikian, tingkat minat investasi saham Syariah dikalangan mahasiswa masih tergolong rendah. Oleh karena itu, penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan persepsi manfaat terhadap minat berinvestasi saham Syariah pada mahasiswa fakultas Syariah Universitas Islam Bandung. Metode dalam penelitian menggunakan metode kuantitatif dengan pendekatan survei. Data primer diperoleh dari kuesioner yang dibagikan dalam bentuk google form. Sedangkan data sekunder diperoleh dari website, jurnal yang relevan dan buku-buku. Sampel yang digunakan dalam penelitian ini merupakan mahasiswa fakultas Syariah Universitas Islam Bandung. Hasil penelitian dari uji t menunjukkan bahwa varibel literasi keuangan mempunyai nilai signifikansi sebesar 0,045<0,05.Berdasarkan hasil tersebut, dapat disimpulkan bahwa literasi keuangan berpengaruh terhadap minat investasi saham syariah. Sedangkan varibel persepsi manfaat mempunyai nilai signifikansi nya sebesar <0,001 lebih rendah dari 0,05. Berdasarkan hasil tersebut dapat disimpulkan bahwa persepsi manfaat berpengaruh terhadap minat investasi saham Syariah. Maka, secara simultan literasi keuangan dan persepsi manfaat berpengaruh terhadap minat rinvestasi dalam saham Syariah pada mahasiswa fakultas  Syariah Universitas Islam Bandung.