Determinants of Security Crowdfunding Investment Intention: ESG Self-Efficacy, AML/CTF Knowledge, and Religiosity
Abstract
This study examines the effects of ESG investing attitude, ESG investing self-efficacy, and Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) knowledge on investment intention among individual investors participating in security crowdfunding platforms in Indonesia, while also investigating the moderating role of religiosity. Using a quantitative approach, primary data were collected through a structured questionnaire from 100 respondents selected through purposive sampling. The data were analyzed using multiple regression and moderated regression analysis. The results indicate that ESG investing self-efficacy and AML/CTF knowledge positively and significantly influence investment intention. In contrast, ESG investing attitude has a positive but insignificant effect. Religiosity is positively associated with investment intention and strengthens the effects of ESG self-efficacy and AML/CTF knowledge; however, it does not significantly moderate the relationship between ESG investing attitude and investment intention. These findings highlight the importance of investor competence and regulatory literacy in promoting sustainable investment behavior within digital financial platforms.References
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Dharma, Y., Puteh, A., Widodo, R., Alfaqih, L., & Yahya, A. (2024). The Influence of Financial Literacy and Islamic Business Ethics on Investment in Islamic Financial Instruments: The Mediating Role of Risk Attitude and the Moderating Role of Religious Knowledge. Journal of Ecohumanism, 3(8), 264–282. https://doi.org/10.62754/joe.v3i8.4729
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Forbes, J., & Kara, S. M. (2010). Confidence mediates how investment knowledge influences investing self-efficacy. Journal of Economic Psychology, 31(3), 435–443. https://doi.org/10.1016/j.joep.2010.01.012
Garg, A., Goel, P., Sharma, A., & Rana, N. P. (2022). As you sow, so shall you reap: Assessing drivers of socially responsible investment attitude and intention. Technological Forecasting and Social Change, 184, 122030. https://doi.org/10.1016/j.techfore.2022.122030
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Hagger, M. S., Chatzisarantis, N. L. D., & Biddle, S. J. H. (2002). A Meta-Analytic Review of the Theories of Reasoned Action and Planned Behavior in Physical Activity: Predictive Validity and the Contribution of Additional Variables. Journal of Sport and Exercise Psychology, 24(1), 3–32. https://doi.org/10.1123/jsep.24.1.3
Jamaludin, N. (2013). Religion and Individual Investment Choice Decision: The Case of Malaysia. International Journal of Business and Social Science, 4(1). https://api.semanticscholar.org/CorpusID:29240481
Joshi, H. T., & Dangi, M. (2024). Are Retail Investors in Emerging Economies SRI Ready? Management and Labour Studies, 49(2), 256–274. https://doi.org/10.1177/0258042X231196666
Kashif, M., Zarkada, A., & Thurasamy, R. (2017). The moderating effect of religiosity on ethical behavioural intentions. Personnel Review, 46(2), 429–448. https://doi.org/10.1108/PR-10-2015-0256
Kim, E.-H., & Lyon, T. P. (2015). Greenwash vs. Brownwash: Exaggeration and Undue Modesty in Corporate Sustainability Disclosure. Organization Science, 26(3), 705–723. https://doi.org/10.1287/orsc.2014.0949
Komdigi. (2022). Menkominfo: Lima segmen fintech Indonesia capai CAGR 39% meski masuki tech winter. Kementerian Komunikasi Dan Informatika RI.
Kräussl, R., Oladiran, T., & Stefanova, D. (2024). A review on ESG investing: Investors’ expectations, beliefs and perceptions. Journal of Economic Surveys, 38(2), 476–502. https://doi.org/10.1111/joes.12599
Kusumajati, W., Syah, T. Y. R., Kustiawan, U., Negoro, D. A., & Tegor. (2019). Effect Of Religiosity, Prevention Focus, Future Orientation, And Financial Knowledge on Purchase Intention to Long-Term Investment in Sharia Insurance. Russian Journal of Agricultural and Socio-Economic Sciences, 87(3), 231–242. https://doi.org/10.18551/rjoas.2019-03.27
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Md Husin, M., & Ab Rahman, A. (2013). What drives consumers to participate into family takaful schemes? A literature review. Journal of Islamic Marketing, 4(3), 264–280. https://doi.org/10.1108/JIMA-04-2012-0019
Mehta, P., Singh, M., Mittal, M., & Singla, H. (2022). Is knowledge alone enough for socially responsible investing? A moderation of religiosity and serial mediation analysis. Qualitative Research in Financial Markets, 14(3), 413–432. https://doi.org/10.1108/QRFM-11-2020-0218
Ndou, V., Scorrano, P., Mele, G., & Stefanizzi, P. (2022). Fundraising activities and digitalization: defining risk indicators for evaluating equity crowdfunding campaigns. Meditari Accountancy Research, 30(4), 1169–1190. https://doi.org/10.1108/MEDAR-03-2021-1237
Noor, A. S. (2025). The Influence of Work Discipline and Work Environment on the Work Performance of Inpatient Nurses at Bhayangkara Hospital, Pontianak. International Journal of Business, Law, and Education, 6(1), 797–809. https://doi.org/10.56442/ijble.v6i1.1103
Ramdhan, D. (2025). The Role of ESG Disclosure in Attracting Sustainable Investment in Indonesia’s Capital Market. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(3), 3384–3393. https://doi.org/10.31004/riggs.v4i3.2484
Septiani, L., & Setyowati, D. (2023). Startup CrowdDana Fasilitasi Warga RI Beli Saham Restoran di Australia Artikel ini telah tayang di Katadata.co.id dengan judul "Startup CrowdDana Fasilitasi Warga RI Beli Saham Restoran di Australia. Katadata.Co.Id. https://katadata.co.id/digital/fintech/6461cb52d03f3/startup-crowddana-fasilitasi-warga-ri-beli-saham-restoran-di-australia
SHAFIQ Administrator. (2025). 5 Hal Penting Cegah FoMO dalam Berinvestasi. SHAFIQ. https://www.shafiq.id/berita/166/5-hal-penting-cegah-fomo-dalam-berinvestasi/baca
Sukmawijaya, A., & Azizah, N. N. (2019). Darmin sebut fintech rawan pencucian uang, bagaimana mencegahnya? Kumparan.Com (PT Dynamo Media Network). https://kumparan.com/kumparanbisnis/darmin-sebut-fintech-rawan-pencucian-uang-bagaimana-mencegahnya-1rnXOQuVli4/full
Supriyono, R. A. (2018). Akuntansi Keperilakuan. Gadjah Mada University Press.
Waseso, R., & Winarto, Y. (2023). KemenKopUKM Perluas Akses Pendanaan UKM Lewat Penerbitan Surat Berharga SCF. PT Grahanusa Mediatama. https://nasional.kontan.co.id/news/kemenkopukm-perluas-akses-pendanaan-ukm-lewat-penerbitan-surat-berharga-scf
Wijaya, H. R., Hati, S. R. H., Ekaputra, I. A., & Kassim, S. (2024). The impact of religiosity and financial literacy on financial management behavior and well-being among Indonesian Muslims. Humanities and Social Sciences Communications, 11(1), 830. https://doi.org/10.1057/s41599-024-03309-6
Zhang, X., Ma, L., & Zhang, M. (2024). Investor Perception of ESG Performance: Examining Investment Intentions in the Chinese Stock Market with Social Self-Efficacy Moderation. Journal of Risk and Financial Management, 17(4), 166. https://doi.org/10.3390/jrfm17040166
Adil, M., Singh, Y., Subhan, M., Saleh Al-Faryan, M. A., & Ansari, M. S. (2023). Do trust in financial institution and financial literacy enhances intention to participate in stock market among Indian investors during COVID-19 pandemic? Cogent Economics & Finance, 11(1). https://doi.org/10.1080/23322039.2023.2169998
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Ajzen, I., & Fishbein, M. (1972). Attitudes and normative beliefs as factors influencing behavioral intentions. Journal of Personality and Social Psychology, 21(1), 1–9. https://doi.org/10.1037/h0031930
Ajzeni, I. (2005). Attitudes personality and behaviour (Vols. 2nd-ed-). open-university-press.
Alfarizi, M. K. (2023, June 21). Kemenko Perekonomian Sebut Kesenjangan Digital Masih Lebar Meski Tren Digitalisasi Ekonomi Positif. Tempo.Co. https://www.tempo.co/ekonomi/kemenko-perekonomian-sebut-kesenjangan-digital-masih-lebar-meski-tren-digitalisasi-ekonomi-positif-174457
Anisah, S. (2021). Perlindungan hukum terhadap pemodal atas risiko securities crowdfunding. Prosiding Seminar Nasional Hukum Perdata: Hukum Dan Prinsip Syariah “Problematika Hukum Dan Penerapan Prinsip Syariah Di Era Ekonomi Digital.” https://law.uii.ac.id/perlindungan-hukum-terhadap-pemodal-atas-risiko-securities-crowdfunding/
Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech, RegTech, and the reconceptualization of financial regulation. Northwestern Journal of International Law & Business, 37(3), 371–413. https://scholarlycommons.law.northwestern.edu/njilb/vol37/iss3/2/
Aryanto, A. (2019). Tanam saham di bisnis UKM, investor Santara ketiban rezeki nomplok. Warta Ekonomi. https://wartaekonomi.co.id/read258457/aman-santara-platform-equity-crowdfunding-raih-sertifkasi-iso-270012013
Asosiasi Layanan Urun Dana Indonesia. (2021). Buku Panduan Penyelenggara Securities Crowdfunding. Otoritas Jasa Keuangan.
Bahoo, S., Alon, I., & Paltrinieri, A. (2020). Corruption in international business: A review and research agenda. International Business Review, 29(4), 101660. https://doi.org/10.1016/j.ibusrev.2019.101660
Bandura, A. (1997). Self-Efficacy: The Exercise of Control. Oxford University Press. https://doi.org/10.1037/10522-094
Bandura, A. (2008). Toward an agentic theory of the self. In K. D. Markman, W. M. P. Klein, & J. A. Suhr (Eds.), Handbook of Imagination and Mental Simulation (pp. 15–49). Psychology Press.
Bauer, R., & Smeets, P. (2015). Social identification and investment decisions. Journal of Economic Behavior & Organization, 117, 121–134. https://doi.org/10.1016/j.jebo.2015.06.006
Centre for Innovation Policy and Governance. (2018). Big data, kecerdasan buatan, blockchain, dan teknologi finansial di Indonesia: Usulan desain, prinsip, dan rekomendasi kebijakan. Direktorat Jenderal Aplikasi Informatika, Kementerian Komunikasi dan Informatika.
Dabu, P. (2022). Minat terhadap securities crowdfunding tinggi, dana yang dihimpun sudah mencapai Rp507 miliar. The Iconomics. https://www.theiconomics.com/capital-market/minat-terhadap-securities-crowdfunding-tinggi-dana-yang-dihimpun-sudah-mencapai-rp507-miliar/
Departemen Komunikasi BI. (2022). Bulan Fintech Nasional, 1,5 juta masyarakat berpartisipasi dan dapatkan edukasi fintech dari pemerintah, asosiasi, dan pelaku industri. Bank Indonesia. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_2433922.aspx
Dharma, Y., Puteh, A., Widodo, R., Alfaqih, L., & Yahya, A. (2024). The Influence of Financial Literacy and Islamic Business Ethics on Investment in Islamic Financial Instruments: The Mediating Role of Risk Attitude and the Moderating Role of Religious Knowledge. Journal of Ecohumanism, 3(8), 264–282. https://doi.org/10.62754/joe.v3i8.4729
Eccles, R. G., Ioannou, I., & Serafeim, G. (2014). The Impact of Corporate Sustainability on Organizational Processes and Performance. Management Science, 60(11), 2835–2857. https://doi.org/10.1287/mnsc.2014.1984
Flammer, C. (2015). Does Corporate Social Responsibility Lead to Superior Financial Performance? A Regression Discontinuity Approach. Management Science, 61(11), 2549–2568. https://doi.org/10.1287/mnsc.2014.2038
Forbes, J., & Kara, S. M. (2010). Confidence mediates how investment knowledge influences investing self-efficacy. Journal of Economic Psychology, 31(3), 435–443. https://doi.org/10.1016/j.joep.2010.01.012
Garg, A., Goel, P., Sharma, A., & Rana, N. P. (2022). As you sow, so shall you reap: Assessing drivers of socially responsible investment attitude and intention. Technological Forecasting and Social Change, 184, 122030. https://doi.org/10.1016/j.techfore.2022.122030
Godlewski, C. J., Turk Ariss, R., & Weill, L. (2011). Do Markets Perceive Sukuk and Conventional Bonds as Different Financing Instruments? SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1833344
Hagger, M. S., Chatzisarantis, N. L. D., & Biddle, S. J. H. (2002). A Meta-Analytic Review of the Theories of Reasoned Action and Planned Behavior in Physical Activity: Predictive Validity and the Contribution of Additional Variables. Journal of Sport and Exercise Psychology, 24(1), 3–32. https://doi.org/10.1123/jsep.24.1.3
Jamaludin, N. (2013). Religion and Individual Investment Choice Decision: The Case of Malaysia. International Journal of Business and Social Science, 4(1). https://api.semanticscholar.org/CorpusID:29240481
Joshi, H. T., & Dangi, M. (2024). Are Retail Investors in Emerging Economies SRI Ready? Management and Labour Studies, 49(2), 256–274. https://doi.org/10.1177/0258042X231196666
Kashif, M., Zarkada, A., & Thurasamy, R. (2017). The moderating effect of religiosity on ethical behavioural intentions. Personnel Review, 46(2), 429–448. https://doi.org/10.1108/PR-10-2015-0256
Kim, E.-H., & Lyon, T. P. (2015). Greenwash vs. Brownwash: Exaggeration and Undue Modesty in Corporate Sustainability Disclosure. Organization Science, 26(3), 705–723. https://doi.org/10.1287/orsc.2014.0949
Komdigi. (2022). Menkominfo: Lima segmen fintech Indonesia capai CAGR 39% meski masuki tech winter. Kementerian Komunikasi Dan Informatika RI.
Kräussl, R., Oladiran, T., & Stefanova, D. (2024). A review on ESG investing: Investors’ expectations, beliefs and perceptions. Journal of Economic Surveys, 38(2), 476–502. https://doi.org/10.1111/joes.12599
Kusumajati, W., Syah, T. Y. R., Kustiawan, U., Negoro, D. A., & Tegor. (2019). Effect Of Religiosity, Prevention Focus, Future Orientation, And Financial Knowledge on Purchase Intention to Long-Term Investment in Sharia Insurance. Russian Journal of Agricultural and Socio-Economic Sciences, 87(3), 231–242. https://doi.org/10.18551/rjoas.2019-03.27
McKinsey & Company. (2016). FinTechnicolor: The new picture in finance. https://www.mckinsey.com/~/media/mckinsey/industries/financial%20services/our%20insights/bracing%20for%20seven%20critical%20changes%20as%20fintech%20matures/fintechnicolor-the-new-picture-in-finance.pdf
Md Husin, M., & Ab Rahman, A. (2013). What drives consumers to participate into family takaful schemes? A literature review. Journal of Islamic Marketing, 4(3), 264–280. https://doi.org/10.1108/JIMA-04-2012-0019
Mehta, P., Singh, M., Mittal, M., & Singla, H. (2022). Is knowledge alone enough for socially responsible investing? A moderation of religiosity and serial mediation analysis. Qualitative Research in Financial Markets, 14(3), 413–432. https://doi.org/10.1108/QRFM-11-2020-0218
Ndou, V., Scorrano, P., Mele, G., & Stefanizzi, P. (2022). Fundraising activities and digitalization: defining risk indicators for evaluating equity crowdfunding campaigns. Meditari Accountancy Research, 30(4), 1169–1190. https://doi.org/10.1108/MEDAR-03-2021-1237
Noor, A. S. (2025). The Influence of Work Discipline and Work Environment on the Work Performance of Inpatient Nurses at Bhayangkara Hospital, Pontianak. International Journal of Business, Law, and Education, 6(1), 797–809. https://doi.org/10.56442/ijble.v6i1.1103
Ramdhan, D. (2025). The Role of ESG Disclosure in Attracting Sustainable Investment in Indonesia’s Capital Market. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(3), 3384–3393. https://doi.org/10.31004/riggs.v4i3.2484
Septiani, L., & Setyowati, D. (2023). Startup CrowdDana Fasilitasi Warga RI Beli Saham Restoran di Australia Artikel ini telah tayang di Katadata.co.id dengan judul "Startup CrowdDana Fasilitasi Warga RI Beli Saham Restoran di Australia. Katadata.Co.Id. https://katadata.co.id/digital/fintech/6461cb52d03f3/startup-crowddana-fasilitasi-warga-ri-beli-saham-restoran-di-australia
SHAFIQ Administrator. (2025). 5 Hal Penting Cegah FoMO dalam Berinvestasi. SHAFIQ. https://www.shafiq.id/berita/166/5-hal-penting-cegah-fomo-dalam-berinvestasi/baca
Sukmawijaya, A., & Azizah, N. N. (2019). Darmin sebut fintech rawan pencucian uang, bagaimana mencegahnya? Kumparan.Com (PT Dynamo Media Network). https://kumparan.com/kumparanbisnis/darmin-sebut-fintech-rawan-pencucian-uang-bagaimana-mencegahnya-1rnXOQuVli4/full
Supriyono, R. A. (2018). Akuntansi Keperilakuan. Gadjah Mada University Press.
Waseso, R., & Winarto, Y. (2023). KemenKopUKM Perluas Akses Pendanaan UKM Lewat Penerbitan Surat Berharga SCF. PT Grahanusa Mediatama. https://nasional.kontan.co.id/news/kemenkopukm-perluas-akses-pendanaan-ukm-lewat-penerbitan-surat-berharga-scf
Wijaya, H. R., Hati, S. R. H., Ekaputra, I. A., & Kassim, S. (2024). The impact of religiosity and financial literacy on financial management behavior and well-being among Indonesian Muslims. Humanities and Social Sciences Communications, 11(1), 830. https://doi.org/10.1057/s41599-024-03309-6
Zhang, X., Ma, L., & Zhang, M. (2024). Investor Perception of ESG Performance: Examining Investment Intentions in the Chinese Stock Market with Social Self-Efficacy Moderation. Journal of Risk and Financial Management, 17(4), 166. https://doi.org/10.3390/jrfm17040166
Published
2026-09-09
How to Cite
FIRDAUS, Hanna Nisaur Rosyda; HARYMAWAN, Iman; NOVITA, Santi.
Determinants of Security Crowdfunding Investment Intention: ESG Self-Efficacy, AML/CTF Knowledge, and Religiosity.
JMK (Jurnal Manajemen dan Kewirausahaan), [S.l.], v. 11, n. 3, p. 514-533, sep. 2026.
ISSN 2656-0771.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/ManajemenKewirausahaan/article/view/9211>. Date accessed: 10 sep. 2026.
doi: https://doi.org/10.32503/jmk.v11i3.9211.
Section
Artikel Ilmiah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
