PENGARUH PENGETAHUAN INVESTASI, PERSEPSI MANFAAT, PERSEPSI RISIKO DAN MODAL MINIMAL TERHADAP MINAT BERINVESTASI DI PASAR MODAL SYARIAH DENGAN PENDAPATAN SEBAGAI VARIABEL MODERASI

THE EFFECT OF INVESTMENT KNOWLEDGE, PERCEIVED OF BENEFITS, PERCEIVED OF RISK AND MINIMUM CAPITAL ON INTEREST IN INVESTING IN THE ISLAMIC CAPITAL MARKET WITH INCOME AS A MODERATING VARIABLE

ABSTRAK

Berinvestasi yaitu kegiatan yang diharapkan mampu menaikkan nilai uang. Di pasar modal syariah seseorang dapat menyalurkan minatnya dalam berinvestasi yang bebas akan riba. Akan tetapi, sebagian mahasiswa belum mengetahui tentang menanam modal di pasar modal syariah padahal ketika saat muda melakukan investasi akan sangat berguna untuk kebutuhan masa depan. Riset ini mempunyai tujuan untuk menganalisa terkait pengaruh pengetahuan investasi, persepsi manfaat, persepsi risiko dan modal minimal terhadap minat berinvestasi di pasar modal syariah, dengan pendapatan sebagai variabel moderasi. Riset ini berupa penelitian kuantitatif dan menggunakan analisis regresi linier berganda. Populasi dari riset ini ialah mahasiswa Ekonomi dari Perguruan Tinggi Negeri di Surabaya yaitu UINSA, UNESA dan UNAIR. Sampel dari riset ini yaitu 100 mahasiswa dengan menggunakan teknik purposive random sampling dan dibagikan secara online dalam bentuk google form. Untuk mengukur variable moderasi menggunkan uji moderated regression analysis (MRA). Dapat diketahui riset ini memiliki hasil dimana pengetahuan investasi, persepsi manfaat, persepsi risiko dan modal minimal memiliki pengaruh positif dan signifikan terhadap minat berinvestasi di pasar modal syariah. Selain itu pendapatan memoderasi pengetahuan investasi, persepsi manfaat, persepsi risiko dan modal minimal terhadap minat berinvestasi di pasar modal syariah.

Kata Kunci: Pengetahuan Investasi, Persepsi Manfaat, Persepsi Risiko, Modal Minimal, Pendapatan

ABSTRACT

Investing is an activity that is expected to increase the value of money. In the Islamic capital market, a person can channel his interest in investing that is free of usury. However, some students do not know about investing in the Islamic capital market, even though when they were young, investing would be very useful for future needs. This research aims to analyze the effect of investment knowledge, perceived benefits, perceived risk and minimal capital on interest in investing in the Islamic capital market, with income as a moderating variable. This research is in the form of quantitative research and uses multiple linear regression analysis. The population of this research is Economics students from State Universities in Surabaya, namely UINSA, UNESA and UNAIR. The sample of this research is 100 students using purposive random sampling technique and distributed online in the form of google form. To measure the moderating variable, the moderated regression analysis (MRA) test was used. It can be seen that this research has results where investment knowledge, perceived benefits, perceived risk and minimal capital have a positive and significant influence on interest in investing in the Islamic capital market. In addition, income moderates investment knowledge, perceived benefits, perceived risk and minimal capital on interest in investing in the Islamic capital market.

Keywords: Investment Knowledge, Perceived Benefits, Risk Perception,  Minimum Capital, Income.