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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Syariah Indonesia
Andang Sunarto
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Economics, Econometrics & Finance Social Sciences

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Pengaruh Promosi, Perubahan Harga Emas, dan Digitalisasi Terhadap Keputusan Nasabah Menabung Emas di Bank Syariah Indonesia KCP Adam Malik Kota Bengkulu Aurin Novima Setra; Andang Sunarto; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31217

Abstract

This study aims to analyze the effects of promotion, gold price fluctuations, and service digitalization on customers’ decisions to invest in gold savings at Bank Syariah Indonesia (BSI) KCP Adam Malik, Bengkulu City. The research employs a quantitative approach using a survey method with 95 respondents selected through purposive sampling. Data were analyzed using multiple linear regression with the assistance of SPSS version 23.The results indicate that promotion, gold price fluctuations, and service digitalization each have a significant effect on customers’ decisions to invest in gold savings, with significance values of 0.000 (< 0.05). Simultaneously, these variables significantly influence customers’ decisions, as evidenced by an F-value of 112.241 and a significance level of 0.000. The coefficient of determination (R²) of 0.787 indicates that 78.7% of the variation in customers’ decisions can be explained by promotion, gold price fluctuations, and service digitalization. These findings confirm that promotion strategies, gold price dynamics, and digital service convenience play an important role in shaping customers’ decisions to invest in gold savings at BSI KCP Adam Malik, Bengkulu City
ANALISIS PENGARUH LITERASI DIGITAL, PERSEPSI RISIKO, DAN PENGALAMAN INVESTASI TERHADAP MINAT INVESTASI DI PASAR MODAL SYARIAH Mallfi Lutfia; Andang Sunarto; Debby Arisandi
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.443

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi digital, persepsi risiko, dan pengalaman investasi terhadap minat masyarakat berinvestasi di Pasar Modal Syariah. Pendekatan yang digunakan adalah kuantitatif dengan metode deskriptif dan verifikatif. Populasi penelitian ini adalah masyarakat Kota Bengkulu, dengan sampel sebanyak 400 responden yang diambil menggunakan teknik purposive sampling. Pengumpulan data dilakukan melalui kuesioner, sedangkan analisis data menggunakan regresi linier berganda dengan bantuan program SPSS. Hasil penelitian menunjukkan bahwa secara parsial maupun simultan, literasi digital, persepsi risiko, dan pengalaman investasi berpengaruh positif dan signifikan terhadap minat investasi. Nilai koefisien determinasi sebesar 58,4% mengindikasikan ketiga variabel tersebut mampu menjelaskan variasi minat investasi, sedangkan sisanya dipengaruhi faktor lain. Hasil ini diharapkan menjadi referensi bagi penyusunan strategi peningkatan literasi dan minat investasi syariah.
Co-Authors Ahmad Rifa’i Aurin Novima Setra Debby Arisandi Mallfi Lutfia Miko Polindi Rahmat Putra Ahmad Hasibuan