ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH PADA INVESTASI EMAS MELALUI APLIKASI PEGADAIAN DALAM PERSPEKTIF BISNIS ISLAM

Bela  Mawarni; Ridwansyah Ridwansyah; Heni  Verawati

doi:10.34127/jrlab.v14i2.1510

Authors

Bela Mawarni UIN Raden Intan Lampung
Ridwansyah Ridwansyah UIN Raden Intan Lampung
Heni Verawati UIN Raden Intan Lampung

DOI:

https://doi.org/10.34127/jrlab.v14i2.1510

Keywords:

Customer Interest, Gold Investment, Pegadaian Application, Islamic Business

Abstract

This study aims to analyze the factors that influence customer interest, experience and knowledge in investing in gold through the Pegadaian application from an Islamic business perspective. The method used is descriptive qualitative with direct field research at the Unit Pegadaian Cabang (UPC) Pahoman Bandar Lampung and literature studies which include interviews, observations, and literature analysis. Data were collected through purposive sampling techniques from customers who use the Pegadaian Digital Service (PDS) application as well as through documentation studies and related literature. The results showed that knowledge, experience, perceived ease of use, and Islamic business values such as transparency and fairness have a good influence on interest in investing in gold through the Pegadaian application. In addition, trust in transaction security and financial factors are also key determinants. This finding confirms that the integration of sharia aspects and ease of technology is an important factor in encouraging customer interest in investing in gold digitally through the Pegadaian application.

References

Agusti, Fitrah. 2025. “Nasabah Investasi Emas Di UPC Pahoman Kota Bandar Lampung, Wawancara Dengan Penulis.”

Asikin, Muhamad Zaenal. 2025. “Peran Emas Sebagai Lindung Nilai Terhadap Ketidakpastian Pasar Keuangan Global” 3 (3): 123–35.

Fadhillah, Sekar. 2025. “Nasabah Investasi Emas Di UPC Pahoman Kota Bandar Lampung, Wawancara Dengan Penulis.”

Febriandika, Nur Rizki, and Tiara Vergita Mahanani. 2023. “A Review of Sharia Economic Laws on Gold Investment in the Gold Savings Feature of the Dana Application.” Jurnal Ilmiah Ekonomi Islam 9 (01): 1129–38.

Gumelar, Retno. 2023. “Peran Media Sosial Dalam Meningkatkan Pengetahuan Investasi Di Indonesia.” Populix. 2023. https://info.populix.co/articles/pengetahuan-investasi-di-indonesia/.

Karnawijaya, Ning, and Siti Rokhaniyah. 2021. “Pegadaian Digital Service.” Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 4 (3): 708–25. https://doi.org/10.47467/alkharaj.v4i3.718.

Lubis, Muhammad Rizky. 2024. “Analysis of Online Gold Investment Interest in E-Commerce from a Fiqh Muamalah Perspective : A Case Study of Housewives in Medan City.” Jurnal Ilmiah MIZANI 11 (02): 339–50. https://doi.org/10.21009/jrmsi.014.1.09.340.

Manik, Karin Venensia Br., Charles M. Sianturi, and Natalia ET Sihombing Sihombing. 2023. “Dampak Penggunaan Aplikasi Pegadaian Digital Service (PDS) Terhadap Efektivitas Transaksi Dan Pelayanan Di PT. Pegadaian (Persero) Cabang Mandala.” Jurnal Ilmu Sosial Dan Politik 3 (2): 170–85. https://doi.org/10.51622/jispol.v3i2.2156.

Manik, Naili Nuril Aufa, Putri Indah Fadillah, and Nurul Jannah. 2021. “Faktor-Faktor Yang Mempengaruhi Minat Generasi Z Dalam Berinvestasi Tabung Emas Pada Pegadaian Digital Syariah.” Jurnal Cakrawala Ilmiah Vol.1, No. (December):637–46. https://doi.org/https://doi.org/10.53625/jcijurnalcakrawalailmiah.v1i4.847.

Maulana, Akbar. 2025. “Nasabah Investasi Emas Di UPC Pahoman Kota Bandar Lampung, Wawancara Dengan Penulis.”

Moelong, Lexy J. 2018. Metodologi Penelitian Kualitatif. Cet. 28. Bandung: PT. Remaja Rosdakarya.

Mulia, Logam. 2022. “Ternyata Harga Emas Dunia Dipengaruhi Oleh Ini.” Logammulia.Com. 2022. https://www.logammulia.com/id/news/ternyata-harga-emas-dunia-dipengaruhi-oleh-ini.

Nurbaiti, Sukma Dwi. 2022. “Analisis Religiusitas Dan Risiko Investasi Terhadap Minat Investasi Emas Pada Masyarakat Kota Surakarta.” Jurnal Ilmiah Ekonomi Islam Dan General 1 (02): 236–42.

Nurherwening, Aris, Aulia Wulan Dari, Dekar Urumsah, and Hari Tri Wibowo. 2021. “The Success of Go-Pay Financial Technology Service Adoption.” Journal of Contemporary Accounting 3 (2): 98–111.

Panjaitan, Chairun Nisa, and Sarah Febrian. 2025. “Integrasi Perspektif Bisnis Islam : Definisi , Pentingnya , Etika , Dan Landasan Dalam Al-Quran Sebagai Panduan Praktik Bisnis Berkelanjutan” 2 (2): 510–22.

Pegadaian. 2025. “Pegadaian Syariah Cicil Emas.” 2025. https://www.pegadaian.co.id/produk/cicil-emas.

Pratiwi, Angresty Ira, Eni Indriani, and Nungki Kartikasari. 2023. “Analisis Pengaruh Literasi Keuangan Dan Perilaku Keuangan Terhadap Minat Investasi Tabungan Emas.” JLEB: Journal of Law, Education and Business 1 (2): 243–56. https://doi.org/10.57235/jleb.v1i2.1123.

Purwanto, Edi, and Vicky Budiman. 2020. “Applying the Technology Acceptance Model to Investigate the Intention to Use E-Health: A Conceptual Framework.” Technology Reports of Kansai University 62 (05): 2569–80.

Putri, Norma Prastiwi. 2022. “Pegadaian Syariah Digital Service Dalam Etika Bisnis Islam (Studi Kasus : Pegadaian Syariah CPS Kebomas Gresik).” Universitas Islam Negeri Raden Mas Said Surakarta. https://eprints.iain-surakarta.ac.id/3702/1/Skripsi Norma Prastiwi Putri_185231202.pdf.

Putri, Shifa Nurhaliza. 2024. “Terus Naik, Cek Grafik Harga Emas 5 Tahun Terakhir.” IDX Channel. 2024. https://www.idxchannel.com/economics/terus-naik-cek-grafik-harga-emas-5-tahun-terakhir/2.

Rachman, Aida. 2014. “Jual Beli Emas Secara Kredit Menurut Perspektif Islam Kontemporer.” UIN Syarif Hidayatullah.

Rudiasyah. 2020. “Telaah Ghara, Riba Dan Maisir Dalam Perspektif Transaksi Ekonomi Islam (Study of Ghara, Riba and Maisir in the Perspective of Islamic Economic Transactions).” AL Huquq Journal of Indonesia Islamic Economic Law 2 (1): 98–113.

Sukma, Indarwati. 2025. “Nasabah Investasi Emas Di UPC Pahoman Kota Bandar Lampung, Wawancara Dengan Penulis.”

Sulistiyani, Endang, Sri Wahyuni, Dody Setyadi, Karnowahadi, and Rustono. 2024. “Determinant of Gold Investment Decision in Z Generation: A Study of Planned Behavior and Social Learning Theory.” Management and Accounting Review 23 (1): 497–519. https://doi.org/10.24191/mar.v23i01-17.

Sumarta, Sumarta. 2024. “Etika Islam Sebagai Fondasi Dalam Pembangunan Ekonomi Inklusif Dan Berkeadilan: Etika Islam, Ekonomi Inklusif Dan Berkeadilan.” Jurnal Tasyri’: Jurnal Muamalah Dan Ekonomi Syariah 6 (2): 65–79.

Verawati, Heni. 2024. “Analisis Hukum Islam Terhadap Implementasi Investasi Emas Syariah.” PESHUM : Jurnal Pendidikan, Sosial Dan Humaniora 3 (6): 945–65. https://doi.org/10.56799/peshum.v3i6.6802.