Pengaruh Literasi Keuangan Syariah, Literasi Digital dan Religiusitas Terhadap Minat Investasi Gen Z pada Bank Syariah (Studi Kasus: Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Islam Malang)

Rara Zahwa Farista, Dwiyani Sudaryanti, Eny Zuhrotin Nasyi’ah

Abstract


Investment has gained increasing popularity among Generation Z in Indonesia, evidenced by a positive growth trend in capital market investors reaching 22.22% in 2024 (KSEI, 2025) and Islamic financial literacy at 39.11% (SNLIK, 2024). This study examines the influence of Islamic financial literacy (X1), digital literacy (X2), and religiosity (X3) on Gen Z's investment interest in Islamic banks, employing the Theory of Planned Behavior (TPB). A quantitative method was utilized with purposive sampling of 100 respondents from students of the Faculty of Economics and Business, Universitas Islam Malang (cohorts 2022-2023) who have completed the Digital Investment course. Data were collected via a 5-point Likert scale questionnaire and analyzed using Slovin's formula. Regression results indicate that Islamic financial literacy has no significant effect (sig. 0.054 > 0.05), while digital literacy (sig. 0.003 < 0.05) and religiosity (sig. 0.010 < 0.05) positively and significantly influence investment interest. These findings confirm the pivotal roles of technology and religious values as key drivers, with recommendations for enhanced digital-based Islamic financial education targeted at Gen Z. 

Keywords: Islamic financial literacy, digital literacy, religiosity, investment interest, Gen Z, Islamic banks.


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