PENGARUH LITERASI KEUANGAN, PERSEPSI RESIKO DAN PERILAKU HERDING TERHADAP KEPUTUSAN INVESTASI DENGAN FINANCIAL ATTITUDE SEBAGAI MEDIASI (Studi Pada Generasi Milenial di JABODETABEK)

SYAHRANI, AULYA RANGGITA (2026) PENGARUH LITERASI KEUANGAN, PERSEPSI RESIKO DAN PERILAKU HERDING TERHADAP KEPUTUSAN INVESTASI DENGAN FINANCIAL ATTITUDE SEBAGAI MEDIASI (Studi Pada Generasi Milenial di JABODETABEK). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This study aims to determine and analyze the influence of financial literacy, risk perception, and herding behavior on investment decisions, with financial attitude as a mediating variable among millennials in JABODETABEK. The research was conducted using a quantitative approach, involving 100 millennial respondents residing in the Jakarta, Bogor, Depok, Tangerang, and Bekasi (JABODETABEK) areas. The research instrument was a questionnaire, and the data were analyzed using Partial Least Squares (PLS). The results show that financial literacy and risk perception have a significant effect on financial attitude, while herding behavior does not significantly affect financial attitude among millennials in JABODETABEK. The direct effect testing indicates that financial literacy, risk perception, herding behavior, and financial attitude significantly influence investment decisions among millennials in JABODETABEK. Furthermore, the indirect effect testing reveals that financial literacy and herding behavior, through financial attitude, have a significant effect on investment decisions among millennials in JABODETABEK. However, risk perception through financial attitude does not have a significant effect on investment decisions among millennials in JABODETABEK. Keywords: Financial Literacy, Risk Perception, Herding Behavior, Financial Attitude, Investment Decision. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh literasi keuangan, persepsi risiko, dan perilaku herding terhadap keputusan investasi dengan financial attitude sebagai mediasi pada generasi melenial di JABODETABEK. Penelitian dilakukan dengan pendekatan kuantitatif, dengan menggunakan responden 100 generasi milenial yang berdomisili di wilayah Jakarta, Bogor, Depok, Tangerang, dan Bekasi (JABODETABEK). Instrumen penelitan dilakukan menggunakan kuesionr dan dianalisis dengan Partial Least Squere (PLS). Hasil penelitian membuktikan bahwa literasi keuangan dan persepsi resiko berpengaruh signifikan terhadap financial attitude, sedangkan perilaku herding tidak berpengaruh terhadap financial attitude pada generasi melenial di JABODETABEK. Dari hasil pengujian pengaruh langsung diketahui bahwa literasi keuangan, persepsi resiko, perilaku herding dan financial attitude berpengaruh signifikan terhadap keputusan investasi pada generasi melenial di JABODETABEK. Adapun dari hasil pengujian pengaruh tidak langsung diketahui bahwa literasi keuangan dan perilaku herding melalui financial attitude berpengaruh signifikan terhadap keputusan investasi pada generasi melenial di JABODETABEK. Hasil lain menunjukkan bahwa persepsi resiko melalui financial attitude tidak berpengaruh signifikan terhadap keputusan investasi pada generasi melenial di JABODETABEK. Kata Kunci : Literasi Keuangan, Persepsi Resiko, Perilaku Herding, Financial Attitude, Keputusan Investasi

Item Type: Thesis (S1)
NIM/NIDN Creators: 43119110301
Uncontrolled Keywords: Literasi Keuangan, Persepsi Resiko, Perilaku Herding, Financial Attitude, Keputusan Investasi
Subjects: 000 Computer Science, Information and General Works/Ilmu Komputer, Informasi, dan Karya Umum > 020 Library and Information Sciences/Perpustakaan dan Ilmu Informasi > 025 Operations, Archives, Information Centers/Operasional Perpustakaan, Arsip dan Pusat Informasi, Pelayanan dan Pengelolaan Perpustakaan > 025.1 Administration and Library Management/Administrasi dan Manajemen Perpustakaan > 025.11 Finance/Keuangan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.6 Investment/Investasi
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum > 658.3 Personnel Management/Manajemen Personalia, Manajemen Sumber Daya Manusia, Manajemen SDM
Divisions: Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User: khalimah
Date Deposited: 23 Sep 2026 13:18
Last Modified: 23 Sep 2026 13:18
URI: http://repository.mercubuana.ac.id/id/eprint/104081

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