Pengaruh Pendapatan, Pendidikan dan Sistem Pembayaran Terhadap Minat Nasabah Investasi Emas Digital (Studi pada Bank Syariah Indonesia KCP Malang Lawang)

Linda Septian Arianti, Maslichah Maslichah, Abdullah Syakur Novianto

Abstract


Digital gold investment is an invesment instrument that can protect the value of the currency because it is resistant to inflation. Along with technological developments, digital gold investment is incresingly in demand because it is safer, more practical, and supported by financial institutions including Bank Syariah Indonesia (BSI). This study aims to determine the effect of income, education and payment systems on customer interest in investing in digital gold. The method used in this research is quantitative correlation with purposive sampling technique and the sample is calculated using the slovin formula which results in 74 respondents. Data was collected throught a google form-based questionnaire distributed directly to gold investment customers at Bank Syariah Indonesia KCP Malang Lawang. Data Analysis was carried out using SPSS to test the validity test, reliability test, normality test, multicollinearity, heteroscedasticity, multiple linear analysis, F test, coefficient of determinationn test, and t test. The results showd that income has a positive and significant effect on customer interest in digital gold investment. Education has a positive and significant effect on customer interest in digital gold investment. Payment systems has a positive and significant effect on customer interest in digital gold investment.

Keywords: Income, Education, Payment System, Investment Interest


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