ANALISIS PENGARUH AUTOMATED MICRO-INVESTING PLATFORMS TERHADAP INTENSI INVESTASI GEN-Z PADA REKSADANA SYARIAH

Febiyola Lutfyanti, NIM.: 22108030091 (2026) ANALISIS PENGARUH AUTOMATED MICRO-INVESTING PLATFORMS TERHADAP INTENSI INVESTASI GEN-Z PADA REKSADANA SYARIAH. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This study aims to analyze the effect of Digital Financial Literacy (DFL), Perceived Usefulness (PU), Perceived Ease of Use (PEOU), and Perceived Security (PS) on Generation Z's Investment Intention in Islamic Mutual Funds through automated micro-investing platforms. This study employs a quantitative approach with an explanatory survey design, using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4. Data were collected through an online questionnaire using purposive sampling, yielding 205 valid respondents from Generation Z in Indonesia. The results indicate that DFL has a positive and significant effect on PU, PEOU, and PS. Furthermore, PU and PS are proven to have a positive and significant effect on Investment Intention, while PEOU has no significant effect on Investment Intention. The research model explains 47.2% of the variation in Generation Z's Investment Intention toward Islamic Mutual Funds. These findings confirm that Digital Financial Literacy serves as the primary cognitive foundation shaping technology perceptions, and that Perceived Usefulness and security including the Sharia compliance dimension are the key determinants of investment intention among Muslim Generation Z in Indonesia.

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