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All Journal MEDIA MANAJEMEN JASA Jurnal Perbankan Syariah Darussalam (JPSDa)
Miko Polindi
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Economics, Econometrics & Finance

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Pengaruh Inovasi Teknologi, Literasi Keuangan, Dan Lingkungan Sosial Terhadap Minat Berinvestasi Di Pasar Modal Secara Komparatif Dini Putri Pebriani Dini; Yosy Arisandy; Miko Polindi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.4034

Abstract

This study aims to compare the influence of technological innovation, financial literacy, and social environment on students’ interest in investing in the sharia capital market at three universities: UIN Fatmawati Sukarno Bengkulu, Universitas Muhammadiyah Bengkulu, and Universitas Bengkulu. The background of this research is the rising trend of interest among Generation Z, particularly university students, in technology-based investments, financial awareness, and the influence of their social environment. This research used a quantitative approach with a survey method by distributing questionnaires to 112 respondents. The data were analyzed using multiple linear regression with the help of SPSS version 25. The findings indicate that, individually, technological innovation, financial literacy, and social environment positively and significantly affect interest in investing in the Islamic capital market. Collectively, these three variables also have a significant impact. These findings highlight the importance of enhancing financial literacy, optimizing the use of technology, and strengthening the role of the social environment in fostering investment interest among students, as well as creating a supportive social climate to encourage student participation in investment activities.
PENGARUH RELIGIUSITAS ISLAM, PERSEPSI RISIKO, KONTROL DIRI, KEMUDAHAN PENGGUNAAN, LITERASI KEUANGAN, DAN GAYA HIDUP HEDONISME TERHADAP KEPUTUSAN PENGGUNAAN SHOPEE PAYLATER PADA GENERASI Z DI KOTA BENGKULU Diah Restu Septawati; Nurul Hak; Miko Polindi
MEDIA MANAJEMEN JASA Vol 13, No 2 (2025): MEDIA MANAJEMEN JASA (MMJ)
Publisher : UNIVERSITAS 17 AGUSTUS 1945 jAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52447/mmj.v13i2.9152

Abstract

ABSTRAK Penelitian bertujuan untuk mengukur pengaruh religiusitas, persepsi risiko, kontrol diri, kemudahan penggunaan, literasi keuangan, dan gaya hidup hedonisme terhadap keputusan penggunaan shopee paylater. Jenis penelitian ini berupa penelitian kuantitatif dengan subjek penelitian yaitu Generasi Z yang tinggal di Kota Bengkulu dan telah kuliah. Jenis data menggunakan data primer yang bersumber dari kuisioner. Populasi penelitian ini adalah Generasi Z yang tinggal di Kota Bengkulu dan telah kuliah. Teknik pengambilan sampel yang digunakan adalah purposive sampling atau non-probability sampling, dengan jumlah sampel sebanyak 100 responden. Teknik analisis data yang digunakan adalah analisis regresi linear berganda dengan software SPSS 25. Berdasarkan hasil penelitian, diketahui bahwa religiusitas tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Persepsi risiko juga tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Sementara itu, kontrol diri berpengaruh positif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Faktor kemudahan penggunaan tidak berpengaruh secara signifikan terhadap keputusan penggunaan Shopee PayLater. Selanjutnya, literasi keuangan berpengaruh negatif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Adapun gaya hidup hedonisme berpengaruh positif dan signifikan terhadap keputusan penggunaan Shopee PayLater. Secara simultan berpengaruh positif dan signifikan antara religiusitas, persepsi risiko, kontrol diri, kemudahan penggunaan, literasi keuangan, dan gaya hidup hedonisme terhadap keputusan penggunaan shopee paylater.Kata Kunci: Religiusitas, Kontrol Diri,  Literasi Keuanga, Gaya Hidup Hedonisme, Keputusan Penggunaan. ABSTRACT This study aims to measure the influence of religiosity, risk perception, self-control, ease of use, financial literacy, and a hedonistic lifestyle on the decision to use Shopee PayLater. This research is quantitative in nature, with the research subjects being Generation Z living in Bengkulu City who are currently attending college. The type of data used is primary data obtained from questionnaires. The population of this study is Generation Z residing in Bengkulu City who are currently enrolled in college. The sampling technique applied is purposive sampling or non-probability sampling, with a total sample of 100 respondents. The data analysis technique used is multiple linear regression analysis with SPSS 25 software. Based on the research findings, it is revealed that religiosity does not have a significant influence on the decision to use Shopee PayLater. Risk perception also does not have a significant influence on the decision to use Shopee PayLater. Meanwhile, self-control has a positive and significant influence on the decision to use Shopee PayLater. The ease of use factor does not have a significant influence on the decision to use Shopee PayLater. Furthermore, financial literacy has a negative and significant influence on the decision to use Shopee PayLater. In addition, a hedonistic lifestyle has a positive and significant influence on the decision to use Shopee PayLater. Simultaneously, religiosity, risk perception, self-control, ease of use, financial literacy, and a hedonistic lifestyle have a positive and significant influence on the decision to use Shopee PayLater.Keywords: Religiosity, Self-Control, Financial Literacy, Hedonistic Lifestyle, Usage Decision.
Co-Authors Diah Restu Septawati Dini Putri Pebriani Dini Nurul Hak Yosy Arisandy