PENGARUH DIGITAL LITERACY, RISK TOLERANCE, DAN ENTREPRENEURIAL MINDSET TERHADAP ENTREPRENEURIAL INTENTION DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Gen Z Di Bandar lampung)

Fitriyana, M. Yasin (2026) PENGARUH DIGITAL LITERACY, RISK TOLERANCE, DAN ENTREPRENEURIAL MINDSET TERHADAP ENTREPRENEURIAL INTENTION DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Gen Z Di Bandar lampung). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Perkembangan teknologi digital telah membawa perubahan besar dalam kehidupan, termasuk dalam bidang ekonomi. Kemajuan internet serta media digital membuka peluang baru bagi masyarakat, terkhususnya generasi muda, untuk menciptakan usaha berbasis teknologi dengan digitalisasi yang menjadikan aktivitas bisnis lebih mudah dilakukan melalui media sosial, marketplace, dan berbagai macam platform digital. Era digital telah menyediakan banyak ruang yang luas bagi generasi muda untuk dapat memulai usaha dengan memanfaatkan teknologi, baik dalam promosi, pemasaran, maupun pengelolaan bisnis. Potensi ini menegaskan bahwa pentingnya penguatan kemampuan kewirausahaan sebagai langkah strategis menghadapi dinamika ekonomi saat ini. Penelitian ini bertujuan untuk menganalisis pengaruh digital literacy, risk tolerance, dan entrepreneurial mindset terhadap entrepreneurial intention Generasi Z di Bandar Lampung. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif dengan teknik pengambilan sampel menggunakan purposive sampling dengan jumlah sampel sebanyak 100 responden. Analisis data dilakukan menggunakan uji validitas, uji reliabilitas, uji prasyarat analisis, analisis regresi linear berganda, uji t, uji F, dan koefisien determinasi menggunakan SPSS 25. Hasil penelitian menunjukkan bahwa digital literacy berpengaruh positif dan signifikan terhadap entrepreneurial intention. Risk tolerance juga berpengaruh positif dan signifikan terhadap entrepreneurial intention. Selain itu, entrepreneurial mindset memiliki pengaruh positif dan signifikan terhadap entrepreneurial intention. Secara simultan, digital literacy, risk tolerance, dan entrepreneurial mindset berpengaruh signifikan terhadap entrepreneurial intention Generasi Z di Bandar Lampung. Dalam perspektif bisnis Islam, niat berwirausaha tidak hanya didasarkan pada keuntungan ekonomi semata, tetapi juga harus memperhatikan nilainilai syariah seperti kejujuran, amanah, tanggung jawab, dan mencari rezeki halal. Kata Kunci: Digital Literacy, Risk Tolerance, Entrepreneurial Mindset, Entrepreneurial IntentionABSTRACT The development of digital technology has brought major changes in life, including in the economic field. The advancement of the internet and digital media opens up new opportunities for the public, especially the younger generation, to create technology-based businesses with digitalization that make business activities easier to do through social media, marketplaces, and various digital platforms. The digital era has provided a lot of space for the younger generation to be able to start a business by utilizing technology, both in promotion, marketing, and business management. This potential emphasizes the importance of strengthening entrepreneurial capabilities as a strategic step to face the current economic dynamics. This study aims to analyze the influence of digital literacy, risk tolerance, and entrepreneurial mindset on the entrepreneurial intention of Generation Z in Bandar Lampung. This study uses a quantitative approach with an associative research type with a sampling technique using purposive sampling with a sample of 100 respondents. Data analysis was carried out using validity test, reliability test, analysis prerequisite test, multiple linear regression analysis, t test, F test, and determination coefficient using SPSS 25. The results of the study show that digital literacy has a positive and significant effect on entrepreneurial intention. Risk Tolerance also has a positive and significant effect on entrepreneurial intention. In addition, the entrepreneurial mindset has a positive and significant influence on entrepreneurial intention. Simultaneously, digital literacy, risk tolerance, and entrepreneurial mindset have a significant effect on the entrepreneurial intention of Generation Z in Bandar Lampung. From an Islamic business perspective, entrepreneurial intentions are not only based on economic profits, but must also pay attention to sharia values such as honesty, trust, responsibility, and seeking halal sustenance. Keywords: Digital Literacy, Risk Tolerance, Entrepreneurial Mindset, Entrepreneurial Intention.

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