DETERMINAN KEPUTUSAN GENERASI Z DALAM INVESTASI REKSA DANA SYARIAH DENGAN TRUST SEBAGAI VARIABEL MEDIASI

UMAAYA, ZAINAL (2025) DETERMINAN KEPUTUSAN GENERASI Z DALAM INVESTASI REKSA DANA SYARIAH DENGAN TRUST SEBAGAI VARIABEL MEDIASI. UNSPECIFIED thesis, SEKOLAH TINGGI ILMU EKONOMI INDONESIA JAKARTA.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menguji apakah pengaruh modal minimum, religiusitas, literasi keuangan syariah terhadap minta investasi reksadana syariah dengan trust sebagai variabel mediasi pada generasi Z di Indonesia. Penelitian ini menggunakan jenis penelitian kuantitaif dengan pendekatan asosiatif. Populasi dari penelitian ini adalah generasi Z yang berdomisili di Indonesia. Sampel ditentukan berdasarkan metode purposive sampling dan menggunakan rumus isaac and michael, maka diperoleh jumlah sample sebanyak 405 generasi Z. Jenis data dalam penelitian ini adalah data primer dan teknik perolehan data dengan menyebarkan kuisoner dan diolah menggunakan SEM-PLS. Hasil penelitian ini membuktikan bahwa (1) modal minimum berpengaruh terhadap trust, artinya semakin minimum dana yang dibutuhkan semakin tinggi tingkat kepercayaan masyarakat pada investasi syariah. (2) Religiusitas berpengaruh terhadap trust, artinya semakin tinggi tingkat religiusitas seseorang, semakin tinggi mematuhi prinsip dan etika Islam serta semakin yakin dalam memilih skema investasi yang dikelola berdasarkan prinsip syariah daripada skema konvensional. (3) Literasi berpengaruh terhadap trust, artinya semakin baik literasi keuangan syariah seseorang maka akan memiliki kepercayaan yang lebih besar terhadap fundraiser karena dapat mengevaluasi informasi investasi secara lebih akurat dan terperinci. (4) Trust berpengaruh terhadap minat investasi reksa dana syariah, artinya keputusan investasi pada reksa dana syariah juga dipengaruhi oleh faktor emosional seperti kepercayaan investor. (5) Modal minimum berpengaruh terhadap minat investasi reksa dana syariah yang dimediasi oleh trust, artinya trust akan menjadi mediator kunci bagi investor sehingga dapat meningkatkan minat investasi reksa dana syariah bahkan investor yang memiliki tingkat kepercayaan tinggi terhadap manajer investasi dan mekanisme reksa dana syariah cenderung mengabaikan atau meminimalisir kekhawatiran tentang hambatan modal. (6) Religiusitas berpengaruh terhadap minat investasi reksa dana syariah yang dimediasi oleh trust. Artinya religiusitas membutuhkan 'perantara' kepercayaan untuk memengaruhi minat investasi. (7) Literasi keuangan syariah berpengaruh terhadap minat investasi reksa dana syariah yang dimediasi oleh trust. Artinya literasi keuangan syariah memainkan peran penting dalam mempengaruhi niat individu untuk berinvestasi, terutama melalui kepercayaan terhadap platform investasi yang digunakan. ABSTRACT This study aims to examine the influence of minimum capital, religiosity, and Islamic financial literacy on investment demand in Islamic mutual funds, with trust as a mediating variable, among Generation Z in Indonesia. This study used a quantitative approach with an associative approach. The population of this study was Generation Z residing in Indonesia. The sample was determined using a purposive sampling method and the Isaac and Michael formula, resulting in a sample size of 405 Generation Z investors. The data used in this study were primary data, obtained by distributing questionnaires and processed using SEM-PLS. The results of this study demonstrate that (1) minimum capital influences trust, meaning that the lower the required funds, the higher the level of public trust in Islamic investment. (2) Religiosity influences trust, meaning that the higher a person's level of religiosity, the higher their adherence to Islamic principles and ethics and the more confident they are in choosing investment schemes managed based on sharia principles rather than conventional schemes. (3) Literacy influences trust, meaning that the better a person's sharia financial literacy, the greater their trust in fundraisers because they can evaluate investment information more accurately and in detail. (4) Trust influences investment interest in sharia mutual funds, meaning that investment decisions in sharia mutual funds are also influenced by emotional factors such as investor trust. (5) Minimum capital influences investment interest in sharia mutual funds mediated by trust, meaning that trust will be a key mediator for investors so that it can increase investment interest in sharia mutual funds, even investors who have a high level of trust in investment managers and sharia mutual fund mechanisms tend to ignore or minimize concerns about capital constraints. (6) Religiousness influences investment interest in sharia mutual funds mediated by trust. This means that religiosity requires a 'trust intermediary' to influence investment interest. (7) Sharia financial literacy influences investment interest in Sharia mutual funds, mediated by trust. This means that Sharia financial literacy plays a significant role in influencing individuals' investment intentions, particularly through trust in the investment platform used.

Item Type: Thesis (UNSPECIFIED)
Contributors:
ContributionContributorsNIDNEmail
Thesis advisorSunarsih, UunUNSPECIFIEDuun_sunarsih@stei.ac.id
Divisions: S2 Akuntansi
Depositing User: ZAINAL UMAAYA
Date Deposited: 24 Feb 2026 04:20
Last Modified: 24 Feb 2026 04:25
URI: http://repository.stei.ac.id/id/eprint/15957

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