PENGARUH RELIGIUSITAS, RISK ATTITUDE, DAN PERCEIVED PROFITABILITY TERHADAP MINAT INVESTASI EMAS DI PEGADAIAN SYARIAH PADA MASYARAKAT KOTA BANDAR LAMPUNG

Elva, Zubkhair (2026) PENGARUH RELIGIUSITAS, RISK ATTITUDE, DAN PERCEIVED PROFITABILITY TERHADAP MINAT INVESTASI EMAS DI PEGADAIAN SYARIAH PADA MASYARAKAT KOTA BANDAR LAMPUNG. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Minat investasi emas di Pegadaian Syariah terus berkembang sebagai pilihan investasi yang aman, terjangkau, dan sesuai prinsip syariah. Namun, penelitian mengenai pengaruh Religiusitas, risk attitude, dan perceived profitability terhadap minat investasi masyarakat, khususnya di Kota Bandar Lampung, masih terbatas. Penelitian ini bertujuan untuk menganalisis pengaruh ketiga variabel tersebut terhadap minat investasi emas di Pegadaian Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan sifat deskriptif analitis. Data primer diperoleh melalui kuesioner yang disebarkan kepada masyarakat Kota Bandar Lampung berusia minimal 17 tahun yang memiliki minat investasi emas. Analisis data dilakukan melalui uji validitas, reliabilitas, uji asumsi klasik, regresi linear berganda, serta uji hipotesis (uji t, uji F, dan koefisien determinasi). Hasil penelitian menunjukkan bahwa Religiusitas berpengaruh Positif signifikan terhadap minat investasi emas, sementara risk attitude berpengaruh negatif Signifikan dan perceived profitability berpengaruh positif signifikan. Secara simultan, ketiga variabel tersebut berpengaruh signifikan terhadap minat investasi emas. Hal ini menunjukkan bahwa keputusan investasi tidak hanya dipengaruhi oleh aspek religius, tetapi juga oleh toleransi risiko dan persepsi keuntungan. ABSTRACT Interest in investing in gold at Islamic pawnshops continues to grow as a safe, affordable, and sharia-compliant investment option. However, research on the influence of religiosity, risk attitude, and perceived profitability on public investment interest, particularly in Bandar Lampung, is still limited. This study aims to analyze the influence of these three variables on gold investment interest at Islamic pawnshops. This research used a quantitative approach with a descriptive analytical approach. Primary data were obtained through questionnaires distributed to residents of Bandar Lampung City aged 17 and over who were interested in investing in gold. Data analysis was conducted using validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing (t-test, F-test, and coefficient of determination). The results showed that religiosity had a significant negative effect on gold investment interest, while risk attitude and perceived profitability had a significant positive effect. Simultaneously, all three variables significantly influenced gold investment interest. This suggests that investment decisions are influenced not only by religious aspects but also by risk tolerance and perceived returns.

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