INDONESIA
Minat investasi syariah pada Aparatur Sipil Negara (ASN) Kementerian Agama Provinsi Kepulauan Bangka Belitung masih belum optimal. Kondisi tersebut dipengaruhi oleh keterbatasan literasi keuangan syariah, prioritas kebutuhan hidup, serta kemampuan pendapatan yang berbeda-beda sehingga ASN belum optimal dalam memahami dan melakukan investasi syariah. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan pendapatan terhadap minat investasi pada Aparatur Sipil Negara (ASN) Kementerian Agama Provinsi Kepulauan Bangka Belitung dengan religiusitas sebagai variabel moderating.

Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Populasi penelitian adalah ASN Kementerian Agama Provinsi Kepulauan Bangka Belitung yang berjumlah 180 orang, dengan sampel sebanyak 64 responden yang ditentukan menggunakan rumus Slovin dan teknik simple random sampling. Pengumpulan data dilakukan melalui kuesioner menggunakan skala Likert. Teknik analisis data menggunakan bantuan IBM SPSS Statistics 23 yang meliputi uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda, dan regresi moderasi untuk menguji peran religiusitas sebagai variabel moderating.

Hasil penelitian menunjukkan bahwa literasi keuangan syariah dan pendapatan berpengaruh positif dan signifikan terhadap minat investasi ASN. Literasi keuangan syariah memiliki nilai signifikansi sebesar 0,000 dan pendapatan sebesar 0,006, yang berarti kedua variabel mampu meningkatkan minat investasi syariah. Namun, religiusitas tidak mampu memoderasi hubungan antara literasi keuangan syariah maupun pendapatan terhadap minat investasi karena nilai signifikansi interaksi masing-masing lebih besar dari 0,05. Penelitian ini menyimpulkan bahwa minat investasi ASN lebih dipengaruhi oleh faktor pengetahuan dan kemampuan ekonomi dibandingkan tingkat religiusitas sebagai variabel moderasi.

ENGLISH
The interest in Sharia investment among Civil Servants (ASN) at the Ministry of Religious Affairs of the Bangka Belitung Islands Province is still not optimal. This condition is influenced by limited Sharia financial literacy, the priority of daily living needs, and varying income levels, causing ASN employees to have limited understanding and participation in Sharia investment activities. This study aims to analyze the influence of Sharia financial literacy and income on investment interest among Civil Servants (ASN) at the Ministry of Religious Affairs of the Bangka Belitung Islands Province, with religiosity serving as a moderating variable.

This research employed a quantitative approach using an associative research design. The population consisted of 180 ASN employees of the Ministry of Religious Affairs of the Bangka Belitung Islands Province, with a sample of 64 respondents determined using the Slovin formula and simple random sampling technique. Data were collected through questionnaires using a Likert scale. Data analysis techniques were conducted using IBM SPSS Statistics 23, including validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, and moderation regression analysis to examine the role of religiosity as a moderating variable.

The results showed that Sharia financial literacy and income had a positive and significant effect on ASN investment interest. Sharia financial literacy had a significance value of 0.000 and income had a significance value of 0.006, indicating that both variables were able to increase interest in Sharia investment. However, religiosity was unable to moderate the relationship between Sharia financial literacy and income on investment interest because the significance values of each interaction were greater than 0.05. This study concludes that ASN investment interest is more influenced by knowledge and economic capability factors than by the level of religiosity as a moderating variable.