Analisis Pengaruh Minat Generasi Milenial Dalam Menggunakan Produk Tabungan Emas di Pegadaian Syariah

Abstract

Pegadaian Syariah has issued a new product at the end of 2015, namely a gold savings product. However, not all millennials have good literacy regarding gold savings products at Pegadaian Syariah. Therefore, this study aims to determine the effect of promotion, knowledge, service quality, and motivation on the millennial generation's interest in using gold savings products at Pegadaian Syariah. This research was conducted with a quantitative approach method. The population in this study is the millennial generation which focuses on aspects of students living in Surakarta. The sampling technique used was quota random sampling with a sample of students from IAIN Surakarta, UMS, UNS, and STIE Surakarta. Data collection in this study used a questionnaire with a Likert scale. The data that was collected and processed in this study were 133 respondents. The analysis tool uses multiple linear regression analysis with SPSS application. Based on the results of the analysis, it can be seen that promotion (sig. 0.002<α), knowledge (sig. 0.004<α) and motivation (sig. 0.000<α) affect the millennial generation's interest in using gold savings products. Meanwhile, the service quality variable (sig. 0.086>α) has no significant effect on the millennial generation's interest in using gold savings products. In addition, the difference between campuses and campus dummy proxies does not have a significant difference in the millennial generation's interest in using gold savings products (sig. 0.808>α).

Pengaruh Perilaku Keuangan dan Literasi Keuangan terhadap Keputusan Menabung Emas pada Nasabah PT. Pegadaian (Studi Kasus PT. Pegadaian Cabang Pangkalan Kerinci)

“…Tabungan emas ialah bentuk yang sederhana dari suatu investasi. Tabungan emas dapat dikatakan sebagai salah satu pilihan investasi karena emas merupakan aset yang memiliki tingkat likuiditas tinggi (Rosiyani & Hasyim, 2021). Minat seseorang untuk memilih produk tabungan akan dipengaruhi oleh kemampuan seseorang dalam mengelola keuangan dan tingkat pengetahuan seseorang akan keuangan (Maghfiroh, 2019).…”

“…Emas merupakan logam mulia yang bersifat lunak yang mudah ditempah dan dibentuk menjadi bahan perhiasan atau harta benda berharga tinggi. Emas yang bersifat lunak tersebut akan dibentuk menjadi perhiasan ataupun batangan emas padat sesuai kreativitas pengrajin agar menjadi daya tarik masyarakat yang melihat (Rosiyani & Hasyim, 2021). Emas menjadi instrumen investasi yang paling diminati masyarakat dari tahun ke tahun.…”

What Determines the Interest in Investing to Gold Savings at Pegadaian Syariah?

“…Lengkey dan Taroreh (2014) research also shows that motivation significantly influences interest in investing in precious metal Murabaha products. That indicates that if people's motivation to invest increases, the interest in gold will also be higher (Maharani & Saputra, 2021;Rosiyani & Hasyim, 2021;Yanti & Hidayat, 2023).…”

Online Lending in the Digital Era in the Perspective of Islamic Economic Law

“…What is explained about Information Technology-Based Financing Services according to Sharia principles by the Fatwa of the National Sharia Council of the Indonesian Ulema Council number 117/DSN-MUI/II/2018 explains that financing with the online loan system must comply with Islamic law, which has brought together donors and recipient of financing through the internet technology system or not with the internet. There is an agreement according to Islamic law regarding online money lending that is permissible and lawful if it has complied with Islamic law and fulfilled its pillars, based on the regulations that already exist in the Fatwa of the National Sharia Council-Indonesian Ulema Council number 117/DSN-MUI/II/2018 allowing on conditional conditions and the principle is fulfilled (Rosiyani & Hasyim, 2020) .…”