Electronic Theses and Dissertation

Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan syariah, financial technology, dan fear of missing out (FoMO) terhadap minat investasi sukuk pada generasi Z di Provinsi Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner kepada generasi Z berusia 20-
28 tahun. Data yang diperoleh dianalisis menggunakan analisis regresi linear berganda dengan bantuan program SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap minat investasi sukuk. Temuan ini mengindikasikan bahwa semakin tinggi pemahaman generasi Z mengenai prinsip dan produk keuangan syariah, semakin tinggi pula ketertarikan mereka untuk berinvestasi pada sukuk. Financial Technology juga terbukti berpengaruh positif dan signifikan terhadap minat investasi sukuk karena kemudahan akses informasi, transaksi, dan pemantauan investasi yang ditawarkan oleh platform digital. Sementara itu, fear of missing out (FoMO) tidak berpengaruh signifikan terhadap minat investasi sukuk, yang menunjukkan bahwa keputusan investasi generasi Z cenderung didasarkan pada pertimbangan rasional dibandingkan dorongan emosional untuk mengikuti tren. Penelitian ini merekomendasikan peningkatan edukasi literasi keuangan syariah dan pengembangan layanan fintech yang mendukukng investasi sukuk agar generasi Z merasa informasi akuntansi yang disajikan oleh emiten di aplikasi fintech sudah cukup transparan untuk mengambil keputusan investasi.

Kata Kunci: Minat Investasi Sukuk, Generasi Z, Literasi Keuangan Syariah, Financial Technology, Fear of Missing Out (FoMO).

This study aims to examine the influence of Islamic financial literacy, financial technology, and fear of missing out (FoMO) on Generation Z’s interest in sukuk investment in Aceh Province. This study employs a quantitative approach using a survey method, involving the distribution of questionnaires to Generation Z aged 20–28 years. The data obtained were analysed using multiple linear regression analysis with the aid of SPSS software. The results indicate that Islamic financial literacy has a positive and significant effect on interest in sukuk investment. This finding suggests that the higher Generation Z’s understanding of Islamic financial principles and products, the greater their interest in investing in sukuk. Financial Technology was also found to have a positive and significant influence on interest in sukuk investment due to the ease of access to information, transactions, and investment monitoring offered by digital platforms. Meanwhile, fear of missing out (FoMO) did not have a significant influence on interest in sukuk investment, suggesting that Generation Z’s investment decisions tend to be based on rational considerations rather than an emotional urge to follow trends. This study recommends enhancing Islamic financial literacy education and developing fintech services that support sukuk investment so that Generation Z feels the financial information presented by issuers on fintech applications is sufficiently transparent to make investment decisions. Keywords: Interest in Sukuk Investment, Generation Z, Islamic Financial Literacy, Financial Technology, Fear of Missing Out (FoMO).