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All Journal DERIVATIF Jurnal Ilmiah Ekonomi Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Owner : Riset dan Jurnal Akuntansi EQIEN - JURNAL EKONOMI DAN BISNIS Dinasti International Journal of Management Science Dinasti International Journal of Education Management and Social Science Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) Dinasti International Journal of Digital Business Management Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ilmu Manajemen Terapan (JIMT) Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Disrupsi Bisnis Journal of Innovation in Management, Accounting and Business Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Indonesian Journal of Islamic Economics and Finance Journal of Economic Education and Entrepreneurship Studies Paradoks : Jurnal Ilmu Ekonomi West Science Interdisciplinary Studies West Science Interdisciplinary Studies INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Management Studies and Business Journal Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Siber Journal of Advanced Multidisciplinary Journal of Ekonomics, Finance, and Management Studies Jurnal Riset Multidisiplin Edukasi Greenation International Journal of Tourism and Management Greenation International Journal of Economics and Accounting Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Siska Yuli Anita
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Public Health Social Sciences Other

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Journal : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis

 1 
A, The PENGARUH LITERASI KEUANGAN DIGITAL, HERDING, DAN OVERCONFIDENCE TERHADAP KEPUTUSAN INVESTASI EMAS DIGITAL DI APLIKASI DOMPET DIGITAL DANA DALAM PERSPEKTIF BISNIS ISLAM: (Studi Pada Investor Emas Digital Generasi Z Aplikasi DANA Di Bandar Lampung) Rendi Aditya Putra; Siska Yuli Anita; Dedi Satriawan
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 3 (2025): November : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i3.6487

Abstract

This study aims to analyze the influence of digital financial literacy, herding behavior, and overconfidence on digital gold investment decisions through the DANA application, viewed from the perspective of Islamic business ethics. A quantitative approach was employed using a survey method and purposive sampling technique. The sample consisted of 100 Generation Z respondents (aged 19–25) residing in Bandar Lampung who have experience investing in digital gold via the DANA platform. Data were collected using a structured Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The results show that all independent variables have a positive and significant effect on investment decisions: digital financial literacy (β = 0.375; p < 0.001), herding (β = 0.262; p = 0.009), and overconfidence (β = 0.302; p = 0.001). These findings highlight that young investors’ behavior is influenced not only by cognitive rationality but also by psychological and social dynamics. From an Islamic business perspective, investment decisions must be free from excessive speculation and carried out with fairness and transparency. Therefore, integrating digital literacy with Islamic ethical values is essential to shape investment decisions that are not only financially beneficial but also morally responsible and spiritually rewarding. Investment decisions, in this context, should be grounded in the principles of prudence, justice, and the avoidance of gharar (excessive uncertainty). Thus, it is crucial for the younger generation to enhance their financial literacy and ethical awareness to ensure their investment behavior aligns with Islamic values.
Co-Authors Abdul Rosid Adhan, Ahmad Ahmad Faisal Ahmad Habibi Ahmad Habibi Alfiana Aprilia Rizki Bambang Sugeng Dwiyanto Bekti Utomo Bela, Riskiana Bella Safira Bella Safira Burhanuddin Burhanuddin Burhanuddin Burhanuddin Chandra, Johnny Dedi Satriawan Diah Mukminatul Hasimi Dinda Fali Rifan Eka Megawati Eko Widodo, Rintis Enny Haryanti Ermawati, Liya Evi Martaseli Febrian, Wenny Desty Fitriana, Wahyu Gani, Intan Maesti Halek Mu'min Helmi Adam Hugo Prasetyo Winotoatmojo Icha Charunisa Indah Permata Dewi Irsyad Kamal Irzan Soepriyadi Jacomina Vonny Litamahuputty Judijanto, Loso Kamsariaty Kardinah Indrianna Meutia Lily Yuntina Linzani, Arniz LITAMAHUPUTTY, JACOMINA VONNY Mayang Kusuma Megawati, Eka Melinda, Gesti Alya Moch Arif Hernawan Mochammad Subagio Mu'min, Halek Mujianah, Siti NAWP, Rizal Perlambang C Nuraeni Nuraeni Nuraeni Nuraeni Nurchayati Nurchayati Nurchayati Nurchayati Nurhayati, Enok Nurlaili Nurlaili Nurul Azizah Aulia Oksanda, R. Dea Laura Oktavia, Vicky Peppy Fachrial Rahmawaty, Soffiyah Putri Rahmi Setiawati Rendi Aditya Putra Rintis Eko Widodo Rita Mulyanti Rosydalina Putri Sari, Duha Latifah Selly Sipakoly setiawati, rahmi SIPAKOLY, SELLY Siti Nurhayati Sugiarti Sugiarti Suhendra, Agus Sundari, Pipit Suryaningsih, Lilik Taufiqur Rahman Taufiqur Rahman, Taufiqur Tri Novita Sari Utomo, Bekti Yulistia Devi Yulistia Devi Yulistiana Devi Yulistia Devi Yuntina, Lily