ANJANI, BELLA SEPTINA (2023) PENGARUH LITERASI KEUANGAN, PERSEPSI RISIKO DAN LOCUS OF CONTROL TERHADAP KEPUTUSAN INVESTASI GENERASI MILENIAL PADA PLATFORM FINTECH. S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to analyze the effect of financial literacy, risk perception and locus of control on millennial generation investment decisions on fintech platforms. The population in this study were residents of the millennial generation of Tangerang city who have invested in fintech platform. The sample used was 110 residents of the millennial generation of Tangerang city who have invested in fintech platform. Sampling method using purposive sampling. The data collection method used a survey method, with the research instrument being a questionnaire. Methods of data analysis using Descriptive Analysis, Instrument Test, Classical Assumption Test, Multiple Linear Regression Analysis and Hypothesis Test (Coefficient of Determination (R²), Simultaneous Significant Test (F test) and Partial Significance Test (T test)) assisted by IBM SPSS Statistics software for windows version 25. The results of the study show that financial literacy and locus of control partially have a positive and significant effect on the investment decision of the millennial generation (1981-2000) on platform fintech who live in the city of Tangerang. While risk perception partially can be concluded that it does not have a significant effect on the investment decision of the millenial generation (1981-2000) on platform fintech who live in the city of Tangerang. Keywords: Financial Literacy, Perceived Risk, Locus of Control, Investment Decision, Millennials, and Fintech Platforms Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, persepsi risiko dan locus of control terhadap keputusan investasi generasi milenial pada platform fintech. Populasi dalam penelitian ini adalah penduduk generasi milenial di kota Tangerang yang pernah beriventasi di platform Fintech. Sampel yang dipergunakan adalah sebanyak 110 penduduk generasi milenial di kota Tangerang yang pernah beriventasi di platform Fintech. Metode penarikan sampel menggunakan purposive sampling. Metode pengumpulan data menggunakan metode survey, dengan instrumen penelitian adalah kuesioner. Metode analisis data menggunakan Analisis Deskriptif, Uji Instrumen, Uji Asumsi Klasik, Analisis Regresi Linier Berganda dan Uji Hipotesis (Koefisien Determinasi (R²), Uji Signifikan Simultan (F test) dan Uji Signifikan Parsial (Uji T)) yang dibantu perangkat lunak IBM SPSS Stastistics for windows versi 25. Hasil penelitian menunjukkan bahwa literasi keuangan dan locus of control secara parsial berpengaruh secara positif dan signifikan terhadap keputusan investasi generasi milenial (1981-2000) pada platform fintech yang bertempat tinggal di Kota Tangerang. Sedangkan Persepsi risiko secara parsial dapat disimpulkan tidak memiliki pengaruh yang signifikan terhadap keputusan investasi generasi milenial (1981-2000) pada platform fintech yang bertempat tinggal di Kota Tangerang. Kata Kunci: Literasi Keuangan, Persepsi Risiko, Locus of Control, Keputusan Investasi, Generasi Milenial, Platform Fintech
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