Analisis Persepsi dan Motivasi Mahasiswa FEBI IAIN Pontianak Terhadap Investasi Emas Di Bank Syariah

Abstract

This study aims to analyze the perceptions and motivations of students from the Faculty of Islamic Economics and Business (FEBI) at IAIN Pontianak toward gold investment in Islamic banks. Gold investment has become an increasingly popular alternative among Generation Z, particularly among students with a background in Islamic economics, due to its perceived stability and compliance with sharia principles. The research employs a qualitative approach using a descriptive method. Data were collected through in-depth interviews, observation, and documentation to obtain comprehensive and in-depth information. The informants consisted of Generation Z students from FEBI IAIN Pontianak who had experience with or interest in gold investment through Islamic banking institutions. The findings indicate that students generally have positive perceptions of gold investment in Islamic banks. It is viewed as an investment instrument that aligns with sharia principles, offers a high level of security, and provides potential long-term benefits. The main motivations driving student interest include wealth protection against inflation, long-term financial planning, ease of access through Islamic banking products, and adherence to religious values. However, the study also identifies several challenges, such as low levels of financial literacy, limited financial capacity among students, and insufficient promotion and education from Islamic banks regarding gold investment products.

Penelitian ini bertujuan untuk menganalisis persepsi dan motivasi mahasiswa Fakultas Ekonomi dan Bisnis Islam (FEBI) IAIN Pontianak terhadap investasi emas di bank syariah. Investasi emas saat ini semakin diminati oleh generasi muda, khususnya Generasi Z, termasuk mahasiswa dengan latar belakang ekonomi Islam, karena dinilai memiliki tingkat stabilitas yang tinggi serta sesuai dengan prinsip-prinsip syariah. Emas juga dipandang sebagai instrumen investasi yang relatif aman dalam menjaga nilai kekayaan di tengah ketidakpastian ekonomi. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Teknik pengumpulan data dilakukan melalui wawancara mendalam, observasi, dan dokumentasi guna memperoleh data yang komprehensif dan mendalam. Informan dalam penelitian ini adalah mahasiswa Generasi Z FEBI IAIN Pontianak yang memiliki pengalaman atau ketertarikan terhadap investasi emas melalui lembaga perbankan syariah.