Analisis Pengaruh Motivasi, Fluktuasi Harga, dan Layanan Mobile Banking Terhadap Minat Investasi Emas Pada Bank Syariah Indonesia (Studi di BSI KCP Batang)

Abstract

Gold investment is a financial instrument that protects the value of a currency, especially during inflation or devaluation. Bank Syariah Indonesia (BSI) offers gold savings as a solution for gold ownership with easy transactions. Interest in gold investment is influenced by personal motivation and perception of price stability, although gold fluctuates according to economic conditions. To attract customers, BSI develops strategies through digital services such as Mobile banking, including the e-gold feature that facilitates online gold transactions. This study aims to analyse the influence of motivation, price fluctuations, and Mobile Banking services on interest in gold investment at BSI.

This research is included in the type of quantitative research. The data collection method used in this study is secondary data obtained from the results of a questionnaire of 88 research samples. The sampling technique was carried out using the purposive sampling method. This study was processed with the help of SPSS 30.

The results of the study indicate that the variables Price Fluctuation (X2), and Mobile Banking Services (X3) partially have a significant positive effect on Gold Investment Interest in Bank Syariah Indonesia (Case Study at BSI KCP Batang), while the Motivation variable (X1) has no effect on Gold Investment Interest in Bank Syariah Indonesia (Case Study at BSI KCP Batang). And simultaneously, Motivation (X1), Price Fluctuation (X2), and Mobile Banking Services (X3) have a significant effect on Gold Investment Interest in Bank Syariah Indonesia.