Pengaruh Literasi Keuangan dan Penggunaan Teknologi Informasi Terhadap Investasi Tabungan Emas Digital

Nurhasanah Harahap (Program Studi Akuntansi, Fakultas Ekonomi, Universitas Pasir Pengaraian)
Zulkarnain (Program Studi Akuntansi, Fakultas Ekonomi, Universitas Pasir Pengaraian)
Fefti Yulian Mela (Program Studi Akuntansi, Fakultas Ekonomi, Universitas Pasir Pengaraian)

Journal of Exploratory Dynamic Problems
Vol. 3 No. 3 (2026): No.3 Vol.3 2026

This study aims to analyze the effect of financial literacy and information technology utilization on digital gold savings investment among customers of Pegadaian Pasir Pengaraian. This research employed a quantitative method with a causal associative approach. The sample consisted of 93 respondents selected using a purposive sampling technique with the Yamane formula from a population of 1,193 gold savings customers. Data were collected through questionnaires and analyzed using validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, partial tests (t-test), simultaneous tests (F-test), and the coefficient of determination (R²) with the assistance of SPSS software. The results indicate that, partially, financial literacy has a positive and significant effect on digital gold savings investment, information technology utilization also has a positive and significant effect on digital gold savings investment, and simultaneously both variables have a positive and significant effect on digital gold savings investment among customers of Pegadaian Pasir Pengaraian, explaining 39% of the variation in digital gold savings investment.