PENGARUH PEMBELAJARAN PERBANKAN SYARIAH, LITERASIKEUANGAN SYARIAH, RISK TOLERANCE, DANINKULSI KEUANGAN SYARIAH TERHADAP MINAT BERINVESTASIDI BANK SYARIAHDENGAN GENDERSEBAGAI VARIABEL MODERATING DALAM PERSPEKTIF ISLAM

ERNIZA, APNIANINGSIH (2023) PENGARUH PEMBELAJARAN PERBANKAN SYARIAH, LITERASIKEUANGAN SYARIAH, RISK TOLERANCE, DANINKULSI KEUANGAN SYARIAH TERHADAP MINAT BERINVESTASIDI BANK SYARIAHDENGAN GENDERSEBAGAI VARIABEL MODERATING DALAM PERSPEKTIF ISLAM. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Berdasarkan data Otoritas Jasa Keuangan hingga akhir september 2021 kredit perbankan hanya tumbuh 2,21% secara year on year. Adapun Dana Pihak Ketiga perbankan sebesar 7,69% secara year on year. Sedangkan Dana Pihak Ketiga yang paling mendominasi yaitu Deposito yaitu 52,19%, Diikuti Tabungan 33,93% dan Giro 13,88%. Hal tersebut menunjukkan bahwa pergerakan investasi syariah mendapati peningkatan yang signifikan dalam jumlah investor. Penelitian ini bertujuan untuk menganalisis pengaruh pembelajaran perbankan syariah, literasi keuangan syariah, risk tolerance, dan inkulsi keuangan syariah terhadap minat berinvestasi di bank syariah dengan gender sebagai variabel moderating pada Mahasiswa di Perguruan Tinggi di Bandar Lampung. Jenis penelitian yang digunakan adalaha penelitian kuantitatif. Penelitian ini menggunakan sampel sebanya 100 responden dengan teknik pengumpulan data berupa kuesioner atau angket. Metode analisis data menggunakan uji Moderated Regression Analyis Pengolahan data ini menggunakan SPSS 29. Hasil penelitian menunjukkan bahwa pembelajaran perbankan syariah, literasi keuangan syariah,dan risk tolerance tidak berpengaruh, tetapi inkulsi keuangan syariah berpengaruh secara parsial terhadap minat berinvestasi di Bank Syariah pada Mahasiswa di Perguruan Tinggi di Bandar Lampung. Pembelajaran perbankan syariah, literasi keuangan syariah, risk tolerance, dan inkulsi keuangan syariah secara simultan berpengaruh terhadap minat berinvestasi di Bank Syariah pada Mahasiswa di Perguruan Tinggi Negeri di Bandar Lampung. Berdsarkan Uji Moderated Regression Analyis menunjukkan bahwa gender tidak dapat memoderasi pembelajaran perbankan syariah, literasi keuangan syariah dan inkulsi keuangan syariah, tetapi gender dapat memoderasi risk tolerance secara signifikan terhadap minat berinvestasi di Bank Syariah pada Mahasiswa di Perguruan Tinggi di Bandar Lampung. Adapun nilai�nilai Islam dalam pembelajaran perbankan syariah, literasi keuangan syariah, risk tolerance, dan inkulsi keuangan diambil dari Siddiq, Amanah, Tabligh, dan Fatanah. Kata Kunci : Pembelajaran Perbankan Syariah, Literasi Keuangan Syariah, Risk Tolerance, Inkulsi Keuangan Syariah, Gender, Minat Berinvestasi ABSTRACT Based on data from the Financial Services Authority until the end of September 2021 bank credit only grew 2.21% year on year. The bank's Third Party Funds amounted to 7.69% on a yoy basis. Meanwhile, the third party funds that dominated were deposits, namely 52.19%, followed by savings, 33.93% and current accounts, 13.88%. This shows that the Islamic investment movement has seen a significant increase in the number of investors. This study aims to analyze the effect of Islamic banking learning, Islamic financial literacy, risk tolerance, and Islamic financial inclusion on interest in investing in Islamic banks with gender as a moderating variable in students at State Universities in Bandar Lampung. The type of research used is quantitative research. This study used a sample of 100 respondents with data collection techniques in the form of questionnaires or questionnaires. The data analysis method uses the Moderated Regression Analysis test. This data processing uses SPSS 29. The results of the study show that Islamic banking learning, Islamic financial literacy, and risk tolerance have no effect, but Islamic financial inclusion has a partial effect on the interest in investing in Islamic banks among students at tertiary institutions in Bandar Lampung. Islamic banking learning, Islamic financial literacy, risk tolerance, and Islamic financial inclusion simultaneously influence the interest in investing in Islamic banks among students at state universities in Bandar Lampung. Based on the Moderated Regression Analysis test, it shows that gender cannot moderate Islamic banking learning, Islamic financial literacy and Islamic financial inclusion, but gender can significantly moderate risk tolerance on interest in investing in Islamic banking in students at universities in Bandar Lampung. As for Islamic values in Islamic banking learning, Islamic financial literacy, risk tolerance, and financial inclusion are taken from Siddiq, Amanah, Tabligh, and Fatahan. Keywords : Islamic Banking Learning, Islamic Financial Literacy, Risk Tolerance, Islamic Financial Inclusion, Gender, Interest in Investing

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