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All Journal JSAP : Journal Syariah and Accounting Public Jurnal Derma Pengabdian Dosen Perguruan Tinggi (Jurnal DEPUTI) Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Jurnal Peradaban Masyarakat (JPM) Mutlaqah: Jurnal Kajian Ekonomi Syariah
Pratami, Arifa
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PENGARUH RETURN INVESTASI EMAS DAN LAYANAN APLIKASI BYOND NASABAH BANK SYARIAH INDONESIA Husna, Siti Khaliza; Pratami, Arifa; Parianto, Parianto
JSAP : Journal Syariah and Accounting Public Vol 8, No 1 (2025): Juli 2025
Publisher : Program Studi Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31314/jsap.8.1.14-24.2025

Abstract

Abstract:This study aims to analyze the effect of gold investment returns on the BYOND app on gold investment interest among users. With the increasing adoption of financial technology, many people are turning to digital gold investments, which are considered easier, more practical, and more flexible. This study used a quantitative approach, collecting data through questionnaires distributed to 82 BYOND app users. The data analysis technique used was simple linear regression using SPSS version 2022. The results show that gold investment returns have a positive and significant effect on gold investment interest. This means that the higher the returns investors obtain through the BYOND app, the higher their interest in investing.Keywords: Investment Return, BYOND App, Gold Investment, Investment Interest, FintechAbstrak: Penelitian ini bertujuan untuk menganalisis pengaruh return investasi emas pada aplikasi BYOND terhadap minat berinvestasi emas di kalangan pengguna. Seiring dengan meningkatnya teknologi finansial, banyak masyarakat mulai beralih ke investasi emas digital yang dinilai lebih mudah, praktis, dan fleksibel. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui kuesioner yang disebarkan kepada 82 responden pengguna aplikasi BYOND. Teknik analisis data yang digunakan adalah regresi linear sederhana menggunakan bantuan SPSS versi 2022. Hasil penelitian menunjukkan bahwa return investasi emas memiliki pengaruh positif dan signifikan terhadap minat berinvestasi emas. Artinya, semakin tinggi return yang diperoleh investor melalui aplikasi BYOND, maka semakin tinggi pula minat mereka untuk berinvestasi.Kata Kunci: Return Investasi, Aplikasi BYOND, Investasi Emas, Minat Investasi, Fintech
PENGARUH LITERASI KEUANGAN SYARIAH DAN LAYANAN DIGITAL M-BANKING BYOND BSI TERHADAP INVESTASI GEN Z Rahmi, Aprilia Rahmi; Pratami, Arifa; Alawiyah, Tuti
JSAP : Journal Syariah and Accounting Public Vol 8, No 1 (2025): Juli 2025
Publisher : Program Studi Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31314/jsap.8.1.25-31.2025

Abstract

Abstract:This study aims to analyze the influence of Islamic financial literacy and BYOND Bank Syariah Indonesia's M-Banking digital service on investment decisions among Generation Z in Medan. The background of this study is based on the importance of understanding Islamic finance among the younger generation and the rapid development of digital banking services in supporting investment decisions based on Islamic principles. The research method used was quantitative. Data analysis was conducted using multiple linear regression analysis using IBM SPSS. The results show that Islamic financial literacy has a positive and significant effect on investment decisions among Generation Z, and that BYOND Bank Syariah Indonesia's M-Banking digital service has a positive and significant effect on investment decisions. Simultaneously, both independent variables significantly influence investment decisions among Generation Z.Keywords: Islamic Financial Literacy, Digital Services, M-Banking, Investment Decisions, Generation ZAbstrak:                   Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan layanan digital M-Banking BYOND Bank Syariah Indonesia terhadap keputusan berinvestasi generasi Z di Kota Medan. Latar belakang penelitian ini didasarkan pada pentingnya pemahaman keuangan syariah di kalangan generasi muda serta perkembangan layanan perbankan digital yang semakin pesat dalam mendukung keputusan investasi berbasis prinsip Islam.Metode penelitian yang digunakan adalah kuantitatif. Analisis data dilakukan dengan menggunakan analisis regresi linier berganda melalui aplikasi IBM SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap keputusan berinvestasi generasi Z, demikian pula layanan digital M-Banking BYOND Bank Syariah Indonesia memiliki pengaruh positif dan signifikan terhadap keputusan investasi. Secara simultan, kedua variabel independen tersebut berpengaruh signifikan terhadap keputusan berinvestasi generasi Z.Kata Kunci: Literasi Keuangan Syariah, Layanan Digital, M-Banking, Keputusan Investasi, Generasi Z
Co-Authors Abu Bakar Amalia, Silvi Amri, Syahputra Ayu, Wilda Desy Astrid Anindya Dewi, Ananda Fitriani Effendi, Syamsul Fahira, Putri Natasya Fauzi, Fahmi Gustami, Eli Habibie, Muhammad HANDAYANI, TINA MUHARDIKA Harahap, Risky Wahyudi Husna, Siti Khaliza Iyonu, Mentari Ariesta Mardiyanti, Patimah Maswita, Maswita Mochammad Imron Awalludin Muhammad Hadi Nasution, Ahmad Adib natasha, Syarifah fadillah Parianto, Parianto Rahmi, Aprilia Rahmi Sembiring, Erika Apulina Simatupang, Jumeida Siti Aisyah Tuti Alawiyah Wardhani, Irine Ika