Determinan Literasi Keuangan dan Pendapatan Masyarakat Terhadap Keputusan Investasi Emas Digital di BSI KCP Teuku Umar Banda Aceh
DOI:
https://doi.org/10.22373/ekobis.v9i2.32314Abstract
Digital gold investment in Indonesia has experienced rapid growth, especially through sharia banking products such as BSI E-Mas, which offer convenience, security, and compliance with sharia principles. However, financial literacy gaps remain a major challenge influencing the community's investment decisions. This study aims to examine the influence of financial literacy and income on digital gold investment decisions among BSI KCP Teuku Umar Banda Aceh customers. The method used is a quantitative approach with 30 respondents selected by random sampling, and data was collected through questionnaires and analyzed using multiple linear regression to test the influence between variables. The results show that financial literacy has a positive and significant effect on digital gold investment decisions, while the effect of income is not significant partially. Simultaneously, financial literacy and income jointly influence investment decisions, contributing 47.1%. These findings emphasize the importance of improving sharia financial literacy to support rational and safe investment decision-making based on digital platforms while optimizing the potential of digital gold as a halal investment instrument that meets the needs of modern society
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Copyright (c) 2025 shafia marzati, Ayumiati, Akmal Riza
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