PENGARUH PEMAHAMAN INVESTASI, MODAL INVESTASI MINIMAL, DAN FINANCIAL TECNOLOGY TERHADAP MINAT INVESTASI DI PASAR MODAL SYARIAH ERA DIGITAL

Eva, Juliana (2025) PENGARUH PEMAHAMAN INVESTASI, MODAL INVESTASI MINIMAL, DAN FINANCIAL TECNOLOGY TERHADAP MINAT INVESTASI DI PASAR MODAL SYARIAH ERA DIGITAL. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Penelitian ini mengkaji pertumbuhan minat investasi yang belum sejalan dengan peningkatan jumlah investor di pasar modal syariah. Pasar modal syariah adalah bagian dari pasar modal yang seluruh kegiatan, mekanisme, dan instrumen investasinya dijalankan berdasarkan prinsip-prinsip syariah Islam. Penelitian ini bertujuan untuk mengidentifikasi pengaruh pemahaman investasi, modal investasi minimal, dan financial technology terhadap minat investasi di pasar modal syariah pada era digital. Pendekatan yang digunakan adalah kuantitatif dengan metode survei melalui kuesioner kepada 342 mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Raden Intan Lampung angkatan 2020–2021. Analisis data dilakukan dengan regresi linear berganda menggunakan IBM SPSS 25. Hasil penelitian menunjukkan bahwa pemahaman investasi berpengaruh negatif terhadap minat investasi. Semakin mahasiswa memahami investasi, semakin selektif pula mereka dalam menentukan pilihan investasi. Modal investasi minimal dan financial technology tidak berpengaruh terhadap minat investasi. Meskipun mahasiswa mengetahui modal minimal tergolong rendah dan keamanan serta fitur fntech dapat terjamin hal tersebut belum mendorong minat mereka untuk melakukan investasi tanpa adanya faktor pendukung lain nya. Secara simultan ketiga variabel berpengaruh terhadap minat investasi. Sinergi antara pemahaman, kemudahan akses modal, dan dukungan teknologi dapat meningkatkan minat berinvestasi mahasiswa di pasar modal syariah. Dalam perspektif Islam, investasi tidak hanya berorientasi pada keuntungan materi, melainkan juga sebagai bentuk tanggung jawab moral dan ibadah. Hal ini sejalan dengan Surah Al Hasyr ayat 18 yang menekankan pentingnya muhasabah dalam pengelolaan harta sebagai bekal kehidupan dunia dan akhirat. Kata Kunci: Pemahaman Investasi, Modal Investasi Minimal, Financial Technology, Minat Investasi, Pasar Modal Syariah. ABSTRACT This study examines the growth of investment interest that has not been matched by a significant increase in the number of investors in the sharia capital market. The sharia capital market is a part of the capital market where all activities, mechanisms, and investment instruments are conducted based on Islamic principles. The purpose of this study is to identify the influence of investment understanding, minimum investment capital, and financial technology on investment interest in the sharia capital market in the digital era. This research uses a quantitative approach with a survey method through questionnaires distributed to 342 students of the Faculty of Islamic Economics and Business at UIN Raden Intan Lampung, class of 2020–2021. Data were analyzed using multiple linear regression with IBM SPSS 25. The results show that investment understanding has a negative effect on investment interest. The more students understand investment, the more selective they become in choosing investment options. Minimum investment capital and financial technology do not have a effect. Although students are aware that the initial capital is relatively low and fintech is secure, these factors alone are not sufficient to increase investment interest without additional support. Simultaneously, the three variables influence investment interest. The synergy between understanding, access to capital, and technology can increase students’ interest in investing in the sharia capital market. From an Islamic perspective, investment is not only about material gain but also a form of moral responsibility and worship. This is in line with Surah Al-Hasyr verse 18, which emphasizes the importance of muhasabah (self-reflection) in managing wealth as preparation for both worldly life and the hereafter. Keywords: Investment Understanding, Minimum Investment Capital, Financial Technology, Investment Interest, Sharia Capital Market.

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