IMPLEMENTASI FINANCIAL TECHNOLOGY PADA INVESTASI REKSA DANA PASAR UANG TRIM KAS KELAS 2A APLIKASI BIBIT

Abstrak

Perkembangan Financial Technology (FinTech) telah memberikan dampak besar terhadap aktivitas investasi dan pertumbuhan ekonomi di Indonesia, khususnya pada instrumen reksa dana di pasar modal. Peningkatan jumlah investor reksa dana yang mencapai 172,43% menurut KSEI menunjukkan tingginya minat masyarakat terhadap investasi berbasis digital. Penelitian ini bertujuan untuk menganalisis penerapan FinTech dalam investasi Reksa Dana Pasar Uang Trim Kas Kelas 2A melalui aplikasi Bibit serta pengaruhnya terhadap persepsi kemudahan, risiko investasi, dan keputusan investasi terhadap minat investor. Penelitian ini menggunakan metode kuantitatif berdasarkan data sekunder berupa Nilai Aktiva Bersih (NAB) Trim Kas Kelas 2A pada interval waktu harian, bulanan, kuartalan, dan tahunan. Hasil penelitian menunjukkan bahwa penerapan FinTech melalui aplikasi Bibit mampu meningkatkan partisipasi investor ritel, memberikan kemudahan akses investasi, stabilitas return yang relatif tinggi, serta tingkat likuiditas yang baik pada produk Trim Kas Kelas 2A. Dengan demikian, FinTech berperan penting dalam mendorong minat investor pemula, terhadap reksa dana pasar uang.

The development of Financial Technology (FinTech) has had a significant impact on investment activities and economic growth in Indonesia, particularly on mutual fund instruments in the capital market. The increase in the number of mutual fund investors, which reached 172.43% according to KSEI, indicates high public interest in digital-based investments. This study aims to analyze the application of FinTech in investing in Trim Kas Class 2A Money Market Mutual Funds through the Bibit application and its influence on perceived ease of investment, investment risk, and investment decisions on investor interest. This study uses a quantitative method with a Multi-Criteria Analysis (MCA) approach based on secondary data in the form of Trim Kas Class 2A Net Asset Value (NAV) at daily, monthly, quarterly, and annual time intervals. The variables analyzed include return, risk, liquidity, and user experience. The results show that the application of FinTech through the Bibit application can increase retail investor participation, provide easy investment access, relatively high return stability, and a good level of liquidity in Trim Kas Class 2A products.