PENGARUH FINANCIAL BEHAVIOR, EXPERIENCE REGRET, OVER CONFIDENCE DAN MENTAL ACCOUNTING TERHADAP KEPUTUSAN INVESTASI PADA CRYPTO DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Generasi Z di Kota Bandar Lampung)

Anisa, Fadilah (2026) PENGARUH FINANCIAL BEHAVIOR, EXPERIENCE REGRET, OVER CONFIDENCE DAN MENTAL ACCOUNTING TERHADAP KEPUTUSAN INVESTASI PADA CRYPTO DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Generasi Z di Kota Bandar Lampung). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh Financial Behavior, Experience Regret, Overconfidence, dan Mental Accounting terhadap Keputusan Investasi Cryptocurrency, serta meninjau keputusan tersebut dalam perspektif bisnis Islam pada Generasi Z di Kota Bandar Lampung. Penelitian ini didasari oleh tingginya minat investasi crypto di kalangan Gen Z meskipun pasar bersifat fluktuatif dan spekulatif, serta pentingnya memahami apakah keputusan investasi mereka sejalan dengan prinsip kehati-hatian, transparansi, dan kemaslahatan dalam bisnis Islam. Penelitian ini menggunakan pendekatan kuantitatif dengan metode explanatory research. Data dikumpulkan melalui penyebaran kuesioner kepada 100 responden Generasi Z di Bandar Lampung yang memiliki ketertarikan terhadap investasi crypto. Teknik pengambilan sampel menggunakan purposive sampling, dan data dianalisis menggunakan SmartPLS 4 melalui uji validitas, reliabilitas, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa Financial Behavior dan Mental Accounting berpengaruh positif dan signifikan terhadap keputusan investasi cryptocurrency. Sebaliknya, Experience Regret dan Overconfidence tidak berpengaruh terhadap keputusan investasi generasi Z. Hasil ini mengindikasikan bahwa perilaku keuangan yang baik dan pengelompokan keuangan secara mental mendorong keputusan investasi yang lebih terencana, sementara faktor emosional dan kepercayaan diri berlebih tidak menjadi penentu utama. Dalam perspektif bisnis Islam, keputusan investasi crypto memenuhi prinsip keadilan, kehati-hatian, kemaslahatan, transparansi, serta bebas dari unsur riba, gharar, dan maysir, sehingga investor perlu mempertimbangkan aspek etika dan syariah sebelum mengambil keputusan investasi. ABSTRACT This study aims to analyze the influence of Financial Behavior, Experience Regret, Overconfidence, and Mental Accounting on cryptocurrency investment decisions, as well as to examine these decisions from an Islamic business perspective among Generation Z in Bandar Lampung City. This research is motivated by the high level of interest in crypto investment among Generation Z despite the volatile and speculative nature of the market. It also highlights the importance of understanding whether their investment decisions align with the principles of prudence, transparency, and benefit in Islamic business. This study used a quantitative approach with an explanatory research method. Data were collected through a questionnaire distributed to 100 Generation Z respondents in Bandar Lampung who were interested in crypto investment. The sampling technique used purposive sampling, and the data are analyzed using SmartPLS 4 through validity tests, reliability tests, t-tests, and coefficient of determination (R²) analysis. The results show that Financial Behavior and Mental Accounting have a positive and significant effect on cryptocurrency investment decisions. In contrast, Experience Regret and Overconfidence do not have a significant effect on Generation Z’s investment decisions. These findings indicate that good financial behavior and proper mental financial grouping encourage more planned investment decisions, while emotional factors and excessive confidence are not the main determinants. In Islamic business perspective, cryptocurrency investment decisions are considered to fulfill the principles of fairness, prudence, benefit, transparency, and freedom from usury (riba), uncertainty (gharar), and gambling (maysir). Therefore, investors need to consider ethical and sharia aspects before making investment decisions.

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