Pengaruh Literasi Keuangan, Religiusitas dan Kondisi Fasilitas Terhadap Minat Berinvestasi Pada Peer To Peer Lending Syariah (Studi Kasus pada Mahasiswa UNISMA Angkatan 2023)

Muhamad Arifin Ilham, Nurhidayah Nurhidayah, Umi Nandiroh

Abstract


The development of digital technology has driven innovation in the financial sector, one of which is Sharia Peer-to-Peer Lending. This study aims to analyze the effects of financial literacy, religiosity, and facility conditions on investment interest in Peer-to-Peer Lending platforms among 2023 cohort students at the University of Islam Malang (UNISMA). This study employs a quantitative approach using a survey method by distributing questionnaires to 100 respondents selected through stratified random sampling. The data were analyzed using multiple linear regression with the assistance of SPSS 2025 software. The results show that, partially, financial literacy, religiosity, and facility conditions each have a positive and significant effect on investment interest in Sharia Peer-to-Peer Lending. Simultaneously, the three variables also have a significant effect on investment interest. The Adjusted R Square value of 0.169 indicates that the three independent variables are able to explain 16.9% of the variation in investment interest. This study contributes to the development of Sharia investment literacy among university students and provides input for Sharia Peer-to-Peer Lending providers in improving and developing their services.

Keywords: Financial Literacy, Religiosity, Facility Conditions, Investment Interest, Sharia Peer-to-Peer Lending.


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