Pengaruh Edukasi Investasi Dan Persepsi Manfaat Terhadap Niat Berinvestasi Produk Tabungan Emas PT Pegadaian Dengan Kepercayaan Sebagai Variabel Mediasi (Studi Pada Mahasiswa FEB Universitas Islam Malang)

Abstract

Abstract

Pegadaian Gold Savings is a gold deposit service that facilitates public investment in gold. Understanding investment mechanisms, benefits, risks, and security can encourage individuals’ investment intentions. This study aims to analyze the effects of investment education and perceived benefits on investment intention in PT Pegadaian Gold Savings, with trust as a mediating variable among students of the Faculty of Economics and Business, Universitas Islam Malang. The study employs the Theory of Reasoned Action (TRA), which explains that behavioral intention is influenced by individual beliefs and rational considerations. A quantitative approach with an explanatory research design was employed. The sample consisted of 130 students selected using purposive sampling. Data were collected through questionnaires and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS. The results indicate that investment education, perceived benefits, and trust significantly influence investment intention. Investment education and perceived benefits also significantly affect trust. Trust does not mediate the effect of investment education on investment intention but significantly mediates the effect of perceived benefits on investment intention. These findings indicate that enhancing perceived benefits accompanied by strengthened trust can increase students’ investment intention in PT Pegadaian Gold Savings.

Keywords: Investment Education, Perceived Benefits, Trust, Investment Intention, PT Pegadaian Gold Savings.