PENGARUH FLUKTUASI HARGA EMAS, HERDING BEHAVIOR, DAN RISK AVERSION TERHADAP KEPUTUSAN INVESTASI EMAS SYARIAH DIKALANGAN MILENIAL LAMPUNG DALAM PERSPEKTIF INVESTASI SYARIAH (Studi Pada Nasabah Milenial PT. Pegadaian Syariah Radin Intan Bandar Lampung)

RAHMALIA, Binti M Rusdi S (2026) PENGARUH FLUKTUASI HARGA EMAS, HERDING BEHAVIOR, DAN RISK AVERSION TERHADAP KEPUTUSAN INVESTASI EMAS SYARIAH DIKALANGAN MILENIAL LAMPUNG DALAM PERSPEKTIF INVESTASI SYARIAH (Studi Pada Nasabah Milenial PT. Pegadaian Syariah Radin Intan Bandar Lampung). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Meningkatnya minat generasi milenial terhadap investasi emas syariah menunjukkan bahwa emas dipandang sebagai instrumen investasi yang mampu mempertahankan nilai aset sekaligus memberikan keamanan finansial. Keputusan investasi emas syariah dipengaruhi oleh berbagai faktor, yang mencakup kondisi terkait pasar maupun aspek perilaku investor. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh fluktuasi harga emas, herding behavior, dan risk aversion terhadap keputusan investasi emas yang sesuai syariah, baik secara parsial maupun simultan. Selain itu, penelitian ini juga bertujuan untuk mengkaji kesesuaian praktik investasi emas yang sesuai syariah dengan prinsip-prinsip investasi Islam. Penelitian ini menggunakan pendekatan kuantitatif. Sampel dipilih dengan menggunakan teknik purposive sampling dari nasabah PT Pegadaian Syariah Radin Intan Bandar Lampung. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan IBM SPSS Statistics 25, termasuk analisis validitas, reliabilitas, asumsi klasik, regresi linier berganda, analisis parsial (uji-t), analisis simultan (uji-F), dan analisis koefisien determinasi. Hasil analisis menunjukkan bahwa secara parsial fluktuasi harga emas tidak berpengaruh signifikan terhadap keputusan investasi emas syariah, sedangkan herding behavior dan risk aversion berpengaruh signifikan terhadap keputusan investasi emas syariah. Secara simultan, fluktuasi harga emas, herding behavior, dan risk aversion berpengaruh signifikan terhadap keputusan investasi emas syariah. Kata Kunci: Fluktuasi Harga Emas, Herding Behavior, Risk Aver sion, Keputusan Investasi, Investasi Emas Syariah. ABSTRACT The increasing interest of the millennial generation in Sharia compliant gold investment indicates that gold is perceived as an investment instrument capable of maintaining asset value while providing financial security. Sharia-compliant gold investment decisions are influenced by various factors, encompassing both market-related conditions and investor behavioral aspects. Accordingly, this study aims to analyze the effect of gold price fluctuations, herding behavior, and risk aversion on Sharia-compliant gold investment decisions, both partially and simultaneously. In addition, this study seeks to examine the conformity of Sharia compliant gold investment practices with the principles of Islamic investment. This study employed a quantitative approach. The sample was selected using purposive sampling from customers of PT Pegadaian Syariah Radin Intan, Bandar Lampung. Data were collected through questionnaires and analyzed using IBM SPSS Statistics 25, including validity, reliability, classical assumption, multiple linear regression, partial (t-test), simultaneous (F-test), and coefficient of determination analyses. The results of the analysis show that, when considered individually, fluctuations in gold prices do not have a significant effect on sharia gold investment decisions, whereas herding behavior and risk aversion do have a significant effect on sharia gold investment decisions. Taken together, fluctuations in gold prices, herding behavior, and risk aversion have a significant effect on sharia gold investment decisions. Keywords: Gold Price Fluctuations, Herding Behavior, Risk Aver sion, Investment Decision, Sharia Gold Investment.

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