INTENSI MENABUNG EMAS DIGITAL DENGAN LITERASI KEUANGAN SYARIAH SEBAGAI VARIABEL MODERASI PADA GENERASI Z DI YOGYAKARTA

Fadhillah Nur Afifah, NIM.: 22108020081 (2026) INTENSI MENABUNG EMAS DIGITAL DENGAN LITERASI KEUANGAN SYARIAH SEBAGAI VARIABEL MODERASI PADA GENERASI Z DI YOGYAKARTA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The increase in gold prices over the past five years indicates that gold is a viable investment, but Generation Z's participation in digital gold savings through the Dana app remains low. This study aims to analyze the influence of perceived ease of use, perceived usefulness, trust, and security, moderated by Islamic financial literacy, on the intention to save digital gold among Generation Z in Yogyakarta. The quantitative study involved 127 respondents using SEM-PLS analysis. The results showed that perceived usefulness and trust influenced the intention to save digital gold. Meanwhile, perceived ease of use, security, and Islamic financial literacy, as moderators, did not influence the intention to save. Consequently, Dana needs to focus on strategies to increase perceived usefulness and trust.

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