The Effect of Digital Financial Literacy, Security, and Technological Trust on Students' Interest in Online Sharia Investment

Abstract

This research explores how the online sharia investment interest of FEBI students at the Islamic Banking Institute (UIN) of North Sumatra University is affected by elements like digital financial literacy, security, and trust in technology. This research utilizes a quantitative associative approach. A targeted sampling technique was employed to gather 100 participants. Following the collection of Likert-scale questionnaires, the main data were evaluated through multiple linear regression utilizing IBM SPSS 26 software. The findings indicate that students' enthusiasm for online sharia investment is positively and significantly impacted by three independent variables, whether considered separately or together. Trust in technology is the primary influence among the three factors. The R-squared value shows that the examined variables account for 49.5% of the variation in students' investment interest. Additional factors not addressed in this research affect the remaining segment.