Novi Sumyardi
Institut Agama Islam Negeri Pontianak

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Pengaruh Literasi dan Inklusi Keuangan Syariah terhadap Religiusitas Generasi Muslim dan Implikasinya pada Keputusan Investasi Binance Coin Novi Sumyardi; Dwi Surya Atmaja; Fachrurazi Fachrurazi
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 2 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i2.4921

Abstract

This research is motivated by the notion that Islamic financial literacy and inclusion play a crucial role in equipping Muslim investors with a deep understanding of the risks and benefits associated with investing in Binance Coin. The type of research employed is quantitative descriptive, using a survey approach. The data source consists of Muslim youth in West Kalimantan who are investors in Binance Coin. Data were collected through observation, interviews, questionnaires, and documentation. The data analysis conducted is quantitative in nature, involving several analytical steps, including: data collection and cleaning, data quality testing, assumption testing, inferential analysis, result interpretation, data reporting, as well as drawing conclusions and making recommendations. The results, analyzed using SPSS software, show a determination coefficient (R²) of 0.494, indicating that the influence of the variables Financial Literacy (X1) and Islamic Financial Inclusion (X2) on Religiosity of Muslim Youth (Z) is 49.40%, while the remaining 50.60% is influenced by other variables. The determination coefficient (R²) of 0.319 indicates that the influence of both variables on Binance Coin Investment Decisions (Y) through Religiosity as a mediating variable is 31.90%, with the remaining 68.10% influenced by other factors. These may include Religious Education, Personal Experience, Family and Social Environment, Media and Information, Risk Attitudes, Religious and Social Activities, Regulatory and Policy Frameworks, and Market Trends.