NAYA AFRA DANILAH, NPM 2210100028 (2026) PENGARUH HARGA EMAS, SUKU BUNGA DAN PENDAPATAN TERHADAP KEPUTUSAN INVESTASI EMAS DI BSI KC RANTAUPRAPAT: LITERASI KEUANGAN SYARIAH SEBAGAI VARIABEL MODERASI. Tugas_Akhir (Artikel) : Journal Of Innovative And Creativity, 6 (1). pp. 21038-21051. ISSN 2775-771X (Online) / 2962-570X (Printed)
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Abstract
This study aims to analyze the influence of gold prices, interest rates, and income on investment decisions with Islamic financial literacy as a moderation variable at BSI KC Rantauprapat. The population in this study is all customers who invest in gold at Bank Syariah Indonesia KC Rantauprapat for the 2022–2024 period, which totals 2,500 customers. The sampling technique uses purposive sampling. The number of samples was calculated using the Slovin formula with a margin of error of 10%, so that 96 respondents were obtained. Data was collected through a questionnaire and analyzed using SmartPLS 4 using the PLS-SEM method. The results show that gold prices, interest rates, and income have a positive and significant effect on investment decisions, respectively. The main findings prove that Islamic financial literacy positively and significantly moderates the three relationships, meaning that understanding of sharia principles strengthens the influence of economic factors on sharia-compliant investment decisions. The implication is that increasing Islamic financial literacy through structured education programs is needed to encourage optimal investment decisions in the midst of macroeconomic dynamics. Keywords : Price, Interest Rate, Income, Investment Decisions, Sharia Financial Literacy =================================================================================================== Penelitian ini bertujuan menganalisis pengaruh harga emas, suku bunga, dan pendapatan terhadap keputusan investasi dengan literasi keuangan syariah sebagai variabel moderasi di BSI KC Rantauprapat. Populasi dalam penelitian ini adalah seluruh nasabah yang berinvestasi emas di Bank Syariah Indonesia KC Rantauprapat periode tahun 2022–2024 yang berjumlah 2.500 nasabah. Teknik sampling menggunakan purposive sampling. Jumlah sampel dihitung menggunakan rumus Slovin dengan margin error 10%, sehingga diperoleh 96 responden. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan SmartPLS 4 dengan metode PLS-SEM. Hasil penelitian menunjukkan harga emas, suku bunga, dan pendapatan masing-masing berpengaruh positif dan signifikan terhadap keputusan investasi. Temuan utama membuktikan bahwa literasi keuangan syariah memoderasi secara positif dan signifikan ketiga hubungan tersebut, artinya pemahaman prinsip syariah memperkuat pengaruh faktor ekonomi terhadap keputusan investasi yang sesuai syariah. Implikasinya, peningkatan literasi keuangan syariah melalui program edukasi terstruktur sangat diperlukan untuk mendorong keputusan investasi yang optimal di tengah dinamika makroekonomi. Kata Kunci : Harga, Suku Bunga, Pendapatan, Keputusan Investasi, Literasi Keuangan Syariah
| Item Type: | Article |
|---|---|
| Uncontrolled Keywords: | Price, Interest Rate, Income, Investment Decisions, Sharia Financial Literacy ============================= Harga, Suku Bunga, Pendapatan, Keputusan Investasi, Literasi Keuangan Syariah |
| Subjects: | H Social Sciences > HF Commerce > HF5601 Accounting H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Unnamed user with email repository@ulb.ac.id |
| Date Deposited: | 25 May 2026 04:10 |
| Last Modified: | 25 May 2026 04:10 |
| URI: | http://repository.ulb.ac.id/id/eprint/2398 |
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