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Jurnal Manajemen dan Perbankan (JUMPA)
Published by Sekolah Tinggi Ilmu Ekonomi Y.A.I
ISSN : 23562897     EISSN : 27469948     DOI : https://doi.org/10.55963/jumpa.v9i2
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Jurnal Manajemen dan Perbankan  ( JUMPA ) adalah jurnal - jurnal yang berkaitan dalam bidang Manajemen  dan  Perbankan yang diterbitkan oleh Sekolah Tinggi Ilmu Ekonomi  Y.A.I secara berkala. Jurnal Manajemen dan Perbankan  ( JUMPA ) are journals related to the field of Management and Banking published by Sekolah Tinggi Ilmu Ekonomi Y.A.I on a regular basis. JUMPA terbit  3 kali dalam setahun yaitu bulan Februari , Juni dan Oktober JUMPA is published 3 times a year in February, June and October Penerbitan melalui proses peer review. Artikel dapat di submit di laman JUMPA( submissions ) dan ke journal-jumpa@stie-yai.ac.id Publishing through a peer review process. Articles can be submitted on the JUMPA page (submissions) and to journal-jumpa@stie-yai.ac.id
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 199 Documents
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Profitability, Company Size and Capital Structure: Indicators of Corporate Valuation of Miscellaneous Industry Sectors Musdafia, Ida; Barus, Yohn Piter; Kinanti, Figih
Jurnal Manajemen dan Perbankan (JUMPA) Vol 12 No 2 (2025): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/jumpa.v12i2.860

Abstract

The purpose of this study is to test and examine empirically how capital structure, company size, and profitability affect the value of manufacturing companies in various industries that are listed on the Indonesia Stock Exchange. The focus on firm development and management to optimize company value, especially in the post-pandemic era, and the extension of the research period are what make this study novel. Purposive sampling was utilized to choose ten companies for the research sample, and the data used is the financial statements of the companies. Using a quantitative approach, the research technique analyzes data using descriptive statistical tests, traditional assumption tests (autocorrelation, heteroskedasticity, multicollinearity, and normality), and hypothesis testing using T-tests and F-tests with the aid of eviews 12 software. According to the study's findings, capital structure significantly lowers business value, profitability significantly increases it, and firm size has no discernible impact. All three factors, however, significantly increase business value at the same time. The research's impacts include giving management advice on how to optimize business value and boost investor trust in capital investments.
The Role of People’s Spiritual Intelligence in The Relationship Between Love of Money and Happiness Uray, Andrey Indra Maulana; Muhammad Zalviwan; Febrianawati
Jurnal Manajemen dan Perbankan (JUMPA) Vol 12 No 3 (2025): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/jumpa.v12i3.858

Abstract

This research is important in understanding how human behavior is influenced by the intersection of materialistic values and happiness. The relationship between love of money and happiness often results in complex dynamics. Spirituality as a harmonizer offers a solution to manage the relationship between materialism and happiness. This study aims to explore how human spiritual intelligence can harmonize the love of money with the purpose of human life, namely, happiness. The method in this study uses a quantitative approach with analysis techniques using moderated regression analysis (MRA). The results of this study indicate that love of money has no significant effect on happiness, and spiritual intelligence strengthens the relationship between love of money and happiness.
The Influence of Social Media, Beauty Vlogger Reviews and Brand Image on Buying Interest in Wardah Cosmetic Products Christinna Chen; Leonardo Chen; Willy Cahyadi; Rizki Wulanita Batubara
Jurnal Manajemen dan Perbankan (JUMPA) Vol 12 No 2 (2025): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The cosmetics industry in Indonesia is experiencing rapid growth, with Wardah as one of the local brands that has managed to attract the attention of consumers, especially students, through the concept of halal and high quality. This study aims to analyze the influence of social media, beauty vlogger reviews, and brand image on the interest in buying Wardah cosmetic products among students in Tebing Tinggi. This research uses a survey-based quantitative approach, involving a sample size population using the cochran formula so that a sample of 96 respondents was selected by purposive sampling. Data was collected through questionnaires and analyses carried out, namely instrument test, validity test, reliability test, and classical assumption test. In the classical assumption test, the normality test, the multicollinearity test, the heteroscedasticity test were carried out and the multiple linear regression analysis test and the hypothesis test were carried out using the T & F test with SPSS software. The results of the study show that social media has a significant effect on buying interest, beauty vlogger reviews do not have a significant effect on buying interest, and brand image has a significant effect on buying interest. Simultaneously, these three variables contributed 48.4% to buying interest. These findings are expected to support the development of more effective digital marketing strategies in the cosmetics industry. Abstrak - Industri kosmetik di Indonesia mengalami pertumbuhan pesat, dengan wardah sebagai salah satu merek lokal yang berhasil menarik perhatian konsumen, khususnya mahasiswa, melalui konsep halal dan kualitas tinggi. Penelitian ini bertujuan untuk menganalisis pengaruh media sosial, review beauty vlogger, dan brand image terhadap minat beli produk kosmetik Wardah di kalangan mahasiswa di Tebing Tinggi. Peneltian ini menggunakan pendekatan kuantitatif berbasis survei, melibatkan populasi ukuran sampel menggunakan rumus cochran sehingga didapatkan jumlah sampel sebesar 96 responden yang dipilih secara purposive sampling. Data dikumpulkan melalui kuesioner dan analisis yang dilakukan yaitu uji instrumen, uji validitas, uji reliabilitas, uji asumsi klasik. Dalam uji asumsi klasik menggunakan uji normalitas, uji multikolinearitas, uji heteroskedastisitas lalu melakukan uji analisis regresi linier berganda dan uji hipotesis menggunakan uji T & uji F dengan software SPSS. Hasil penelitian menunjukkan bahwa media sosial berpengaruh signifikan terhadap minat beli, review beauty vlogger tidak berpengaruh signifikan terhadap minat beli, dan brand image berpengaruh signifikan terhadap minat beli. Secara simultan, ketiga variabel tersebut berkontribusi sebesar 48,4% terhadap minat beli. Temuan ini diharapkan dapat mendukung pengembangan strategi pemasaran digital yang lebih efektif di industri kosmetik.
Determinants of Earnings Management: A Study in Indonesia’s Property and Real Estate Sector Muhammad Afissunani; Agung Nurmansyah; Cahyo Budi Santoso
Jurnal Manajemen dan Perbankan (JUMPA) Vol 12 No 3 (2025): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/jumpa.v12i3.852

Abstract

This study aims to analyze the influence of profitability, firm size, firm growth, and corporate governance on earnings management among property and real estate companies listed on the Indonesia Stock Exchange during the 2019–2024 period. The study focuses on the property and real estate sector, which tends to receive less attention in prior research even though it has shown several indications of earnings manipulation in practice. Using a purposive sampling method, 57 companies were selected as the research sample, and data were analyzed using multiple linear regression with SPSS software. The results show that profitability, firm growth, and corporate governance positively and significantly affect earnings management, while firm size has a negative and significant effect. Simultaneous testing confirms that all four variables collectively influence earnings management. These findings deepen the understanding of how firm characteristics and governance mechanisms shape financial reporting behavior. Practically, the results suggest that regulators, investors, and company management should enhance oversight and transparency to reduce the likelihood of earnings manipulation. Abstrak - Penelitian ini bertujuan untuk menganalisis pengaruh profitabilitas, ukuran perusahaan, pertumbuhan perusahaan, dan corporate governance terhadap manajemen laba pada perusahaan properti dan real estate yang terdaftar di Bursa Efek Indonesia selama periode 2019-2024. Penelitian ini berfokus pada sektor properti dan real estate yang selama ini masih jarang dikaji, meskipun di lapangan sering ditemukan indikasi praktik manipulasi laba. Sampel penelitian diperoleh melalui metode purposive sampling dengan total 57 perusahaan, dan data dianalisis menggunakan regresi linier berganda melalui bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa profitabilitas, pertumbuhan perusahaan, dan corporate governance berpengaruh positif dan signifikan terhadap manajemen laba, sedangkan ukuran perusahaan berpengaruh negatif dan signifikan. Uji simultan membuktikan bahwa keempat variabel tersebut secara bersama-sama berpengaruh signifikan terhadap manajemen laba. Temuan ini memberikan pemahaman yang lebih jelas mengenai bagaimana karakteristik perusahaan dan mekanisme tata kelola memengaruhi perilaku pelaporan keuangan. Secara praktis, hasil penelitian menunjukkan pentingnya peningkatan pengawasan dan transparansi oleh regulator, investor, maupun pihak manajemen untuk meminimalkan potensi manipulasi laporan keuangan.
The Role of Fintech in Improving Service Accessibility at Indonesian Sharia Banks in Pontianak City Muhammad Faisal; Mansur; Irvan Wobowo W; Febrianawati; Windi Pratiwi
Jurnal Manajemen dan Perbankan (JUMPA) Vol 13 No 1 (2026): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/jumpa.v13i1.888

Abstract

This study analyzes the role of fintech in improving the accessibility of financial services at Bank Syariah Indonesia (BSI) in Pontianak City. The background of this study is the gap in access to financial services for small communities that are difficult to reach by conventional banks. This study uses a quantitative approach with a survey method of 150 active BSI customers who use fintech services, selected through purposive sampling. Data were collected using questionnaires and analyzed with multiple linear regression using SPSS to test the effect of the variables of availability, ease of use, and security of fintech services on the variable of financial service accessibility, including ease of access, service coverage, and financial literacy. The results are expected to provide empirical evidence of the effectiveness of fintech in expanding financial access at BSI and measure customer satisfaction with fintech. This study contributes to the literature on sharia fintech with a focus on empirical analysis in the context of BSI customers in Pontianak, while also serving as a reference for stakeholders in developing sharia banking digital strategies to improve services and empower small communities economically. Abstrak - Penelitian ini menganalisis peran fintech dalam meningkatkan aksesibilitas layanan keuangan pada Bank Syariah Indonesia (BSI) di Kota Pontianak. Latar belakang penelitian adalah kesenjangan akses layanan keuangan bagi masyarakat kecil yang sulit dijangkau oleh perbankan konvensional. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 150 nasabah aktif BSI yang menggunakan layanan fintech, dipilih melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner dan dianalisis dengan regresi linier berganda menggunakan SPSS untuk menguji pengaruh variabel ketersediaan, kemudahan penggunaan, dan keamanan layanan fintech terhadap variabel aksesibilitas layanan keuangan, termasuk kemudahan akses, jangkauan layanan, serta literasi keuangan. Hasil diharapkan memberikan bukti empiris efektivitas fintech dalam memperluas akses keuangan di BSI dan mengukur tingkat kepuasan nasabah terhadap fintech. Penelitian ini memberikan kontribusi dalam literatur fintech syariah dengan fokus pada analisis empiris di konteks nasabah BSI di Pontianak, sekaligus menjadi acuan bagi pemangku kepentingan dalam pengembangan strategi digital perbankan syariah guna meningkatkan pelayanan dan pemberdayaan ekonomi masyarakat kecil.
Digital Marketing, Hedonism, and Product Knowledge on the Interest in Using Paylater at A Hotel in Pontianak City Muchammad Ariffin; Aisyah; Windi Pratiwi; Sabirin
Jurnal Manajemen dan Perbankan (JUMPA) Vol 13 No 1 (2026): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/jumpa.v13i1.918

Abstract

Advances in digital technology have driven significant changes in consumer behavior, including the adoption of financial services such as paylater, which is growing in the hospitality industry. This study aims to analyze the influence of digital marketing, hedonism, and product knowledge on the interest in using paylater at star-rated hotels in Pontianak City. The study employs a quantitative approach through a questionnaire survey using accidental sampling techniques on 88 respondents who are familiar with paylater services and have stayed at star-rated hotels. Data analysis was performed using smart-PLS 3.0. The results show that, partially, only product knowledge has a significant effect on the interest in using paylater (p-value = 0.000) with a dominant contribution of 64.5%. Meanwhile, digital marketing and hedonism did not have a significant individual effect. However, simultaneously, the three variables were able to explain 82.7% of the variability in interest in using paylater (R² = 0.827). These findings indicate that rational considerations based on product knowledge are more decisive than digital promotion factors and emotional motivation. The novelty of this research lies in testing an integrative model of the three variables in the context of star-rated hotels, which has previously been studied more extensively in the e-commerce sector. This study contributes to the development of consumer behavior literature and provides managerial implications regarding the importance of educational strategies in digital marketing for PayLater services. Abstrak - Kemajuan teknologi digital telah mendorong perubahan signifikan dalam perilaku konsumen, termasuk dalam adopsi layanan keuangan seperti paylater yang semakin berkembang di industri perhotelan. Penelitian ini bertujuan menganalisis pengaruh digital marketing, hedonisme, dan product knowledge terhadap minat penggunaan paylater pada hotel berbintang di Kota Pontianak. Penelitian menggunakan pendekatan kuantitatif melalui survei kuesioner dengan teknik accidental sampling terhadap 88 responden yang mengetahui layanan paylater dan pernah menginap di hotel berbintang. Analisis data dilakukan menggunakan smart-PLS 3.0. Hasil penelitian menunjukkan bahwa secara parsial hanya product knowledge yang berpengaruh signifikan terhadap minat penggunaan paylater (p-value = 0,000) dengan kontribusi dominan sebesar 64,5%. Sementara itu, digital marketing dan hedonisme tidak berpengaruh signifikan secara individual. Namun, secara simultan ketiga variabel mampu menjelaskan 82,7% variabilitas minat penggunaan (R² = 0,827). Temuan ini menunjukkan bahwa pertimbangan rasional berbasis pengetahuan produk lebih menentukan dibandingkan faktor promosi digital dan motivasi emosional. Kebaruan penelitian terletak pada pengujian model integratif ketiga variabel dalam konteks hotel berbintang, yang sebelumnya lebih banyak diteliti pada sektor e-commerce. Studi ini berkontribusi pada pengembangan literatur perilaku konsumen dan memberikan implikasi manajerial berupa pentingnya strategi edukatif dalam pemasaran digital layanan paylater.
Location, Store Atmosphere, and Price as Determinants of Konnichiwa Coffee Purchase Decisions Nursiti Nur; Yopi Yulius; Amanda Putri Fitria
Jurnal Manajemen dan Perbankan (JUMPA) Vol 13 No 1 (2026): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/62bt9a48

Abstract

This study aims to empirically test location, store atmosphere, and price as determinants of purchase decisions for Kopi Konnichiwa. This research is a quantitative study with an associative approach. The data used are primary data collected thru the distribution of questionnaires using non-probability sampling techniques with the convenience sampling method. Data collection was conducted over two days thru google form to customers of Kopi Konnichiwa located at RS Harapan Kita, with a total of 100 respondents. The research variables were measured using several indicators, namely location (5 indicators), store atmosphere (6 indicators), price (4 indicators), and purchase decision (5 indicators). The data analysis technique uses structural equation modeling (SEM) based on partial least square (PLS) with the help of the smart-PLS 4.1 application, including outer model testing, inner model testing, and hypothesis testing. The novelty in this research lies in the context of the study conducted in a hospital environment, which has different consumer characteristics compared to commercial locations in general, thus providing a new perspective in the study of consumer behavior, particularly in the coffee industry. The research results show that location (X1) has a negative impact on purchase decisions (Y), while store atmosphere (X2) and price (X3) have a positive impact as determinants of purchase decisions for Konnichiwa Coffee. The implications of this research for business managers are the need to enhance the visibility and accessibility of the outlet thru the installation of more eye-catching signage, promotions in strategic areas such as the hospital entrance, and collaboration with other tenants within the building. Improving these aspects is expected to enhance the attractiveness and consumer experience in making purchases.   Abstrak - Penelitian ini bertujuan untuk menguji secara empiris lokasi, store atmosfer, dan harga sebagai penentu keputusan pembelian Kopi Konnichiwa. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan asosiatif. Data yang digunakan adalah data primer yang dikumpulkan melalui penyebaran kuesioner menggunakan teknik non-probability sampling dengan metode convenience sampling. Pengumpulan data dilakukan selama dua hari melalui google form kepada pelanggan Kopi Konnichiwa yang berlokasi di RS Harapan Kita, dengan jumlah responden sebanyak 100 orang. Variabel penelitian diukur menggunakan beberapa indikator, yaitu lokasi (5 indikator), store atmosphere (6 indikator), harga (4 indikator), dan keputusan pembelian (5 indikator). Teknik analisis data menggunakan structural equation modeling (SEM) berbasis partial least square (PLS) dengan bantuan aplikasi smart-PLS 4.1, meliputi pengujian outer model, inner model, dan uji hipotesis. Kebaruan (novelty) dalam penelitian ini terletak pada konteks penelitian yang dilakukan di lingkungan rumah sakit, yang memiliki karakteristik konsumen berbeda dibandingkan dengan lokasi komersial pada umumnya, sehingga memberikan perspektif baru dalam kajian perilaku konsumen, khususnya pada industri kopi. Hasil penelitian menunjukkan bahwa lokasi (X1) berpengaruh negatif terhadap keputusan pembelian (Y), sedangkan store atmosphere (X2) dan harga (X3) berpengaruh positif sebagai penentu keputusan pembelian Kopi Konnichiwa. Implikasi penelitian ini bagi pengelola usaha adalah perlunya meningkatkan visibilitas dan aksesibilitas gerai melalui pemasangan signage yang lebih mencolok, promosi di area strategis seperti pintu masuk rumah sakit, serta kerja sama dengan tenant lain di dalam gedung. Perbaikan aspek tersebut diharapkan dapat meningkatkan daya tarik dan pengalaman konsumen dalam melakukan pembelian.
Human Capital Investment and Employee Performance: Evidence from DKI Jakarta Government Museums Ida Musdafia Ibrahim; Zakia Kalimatun Nazma
Jurnal Manajemen dan Perbankan (JUMPA) Vol 13 No 1 (2026): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/4bcdg907

Abstract

This study examines the effects of compensation and career development on employee performance in government museums in DKI Jakarta. A quantitative explanatory research design was employed using primary data collected through a five-point likert-scale questionnaire. The population consisted of 109 employees working in four government museums in the Kota Tua area of DKI Jakarta, from which 97 employees were selected using simple random sampling. Data were analyzed using structural equation modeling–partial least squares (SEM-PLS) with smart-PLS 3.0. The study integrates human capital theory and goal-setting theory to explain how financial and non-financial human resource practices influence employee performance in the public museum sector. The results show that compensation has a positive and significant effect on employee performance, whereas career development has no significant effect. The model explains 35.6% of the variance in employee performance. The novelty of this study lies in integrating human capital theory and goal-setting theory to examine compensation and career development as forms of human capital investment in the underexplored context of government museums. The study contributes to the literature on human capital investment and employee performance in public-sector organizations and provides practical implications for strengthening performance-oriented compensation and improving career development programs.   Abstrak - Penelitian ini bertujuan untuk menganalisis pengaruh kompensasi dan pengembangan karier terhadap kinerja pegawai pada museum pemerintah di DKI Jakarta. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan data primer yang dikumpulkan melalui kuesioner berskala likert lima poin. Populasi penelitian terdiri dari 109 pegawai yang bekerja pada empat museum pemerintah di kawasan Kota Tua, DKI Jakarta, dengan 97 pegawai dipilih menggunakan teknik simple random sampling. Data dianalisis menggunakan structural equation modeling-partial least squares (SEM-PLS) dengan bantuan smart-PLS 3.0. Penelitian ini mengintegrasikan human capital theory dan goal-setting theory untuk menjelaskan bagaimana praktik sumber daya manusia finansial dan nonfinansial memengaruhi kinerja pegawai pada sektor museum pemerintah. Hasil penelitian menunjukkan bahwa kompensasi berpengaruh positif dan signifikan terhadap kinerja pegawai, sedangkan pengembangan karier tidak berpengaruh signifikan. Model penelitian menjelaskan 35,6% variasi kinerja pegawai. Kebaruan penelitian terletak pada integrasi human capital theory dan goal-setting theory dalam mengkaji kompensasi dan pengembangan karier sebagai bentuk investasi modal manusia pada konteks museum pemerintah yang masih relatif kurang diteliti. Penelitian ini berkontribusi pada pengembangan literatur investasi modal manusia dan kinerja pegawai sektor publik serta memberikan implikasi praktis bagi penguatan kompensasi berbasis kinerja dan perbaikan program pengembangan karier.
Determinants of Generation Z's Digital Gold Investment Interest Through Non-Bank Fintech Applications Hanna Audia Tanjung; Septian Yudha Kusuma; Maharani Rona Makom
Jurnal Manajemen dan Perbankan (JUMPA) Vol 13 No 2 (2026): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/hmaxvb41

Abstract

Generation Z's participation in digital gold investment remains relatively low despite the rapid growth of digital gold investment services through non-bank fintech applications in Indonesia. This study analyzes internal factors (investment knowledge and risk perception) and external factors (gold price fluctuation and electronic word of mouth) determining generation Z's interest in digital gold investment through non-bank fintech applications. Unlike most previous gold studies focusing on digital gold through banking platforms, this study highlights non-bank fintech applications amid user complaints regarding price accuracy, withdrawal speed, and technical issues found on social media. This study employed a quantitative associative-causal approach with purposive sampling. Primary data were collected via an online questionnaire on google forms using a four-point likert scale, distributed to generation Z in Indonesia who actively use social media and non-bank fintech applications, yielding 230 responses analyzed using partial least squares-structural equation modeling (PLS-SEM). The results show that investment knowledge, gold price fluctuation, risk perception, and electronic word of mouth each have a positive and significant effect on investment interest. These findings strengthen behavioral finance theory and provide practical implications for non-bank fintech providers to strengthen investor education, price transparency, platform security, and positive electronic word of mouth.   Abstrak - Partisipasi generasi Z dalam investasi emas digital masih relatif rendah meskipun layanan investasi emas digital melalui aplikasi fintech non-bank berkembang pesat di Indonesia. Penelitian ini bertujuan menganalisis faktor internal (pengetahuan investasi dan persepsi risiko) dan eksternal (fluktuasi harga emas dan electronic word of mouth) yang menentukan minat generasi Z berinvestasi emas digital melalui aplikasi fintech non-bank. Berbeda dengan mayoritas penelitian terdahulu yang berfokus pada emas digital di platform perbankan, penelitian ini menyoroti aplikasi fintech non-bank di tengah keluhan pengguna terkait akurasi harga, kecepatan pencairan dana, dan kendala teknis aplikasi yang banyak ditemukan di media sosial. Penelitian menggunakan pendekatan kuantitatif asosiatif kausal dengan teknik purposive sampling. Data primer dikumpulkan melalui kuesioner daring via google forms dengan skala likert 4 poin kepada generasi Z di Indonesia yang aktif menggunakan media sosial dan aplikasi fintech non-bank, menghasilkan 230 respons yang dianalisis menggunakan partial least squares–structural equation modeling (PLS-SEM). Hasil menunjukkan bahwa pengetahuan investasi, fluktuasi harga emas, persepsi risiko, dan electronic word of mouth masing-masing berpengaruh positif dan signifikan terhadap minat investasi. Temuan ini memperkuat behavioral finance theory dan memberikan implikasi praktis bagi penyedia fintech non-bank untuk memperkuat edukasi investor, transparansi harga, keamanan platform, dan electronic word of mouth yang positif.

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