Yanti, Feby (2024) PENGARUH PERILAKU KEUANGAN, OVERCONFIDENCE, DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN INVESTASI: PERAN MEDIASI LITERASI KEUANGAN (STUDI EMPIRIS INVESTOR INDIVIDUAL GENERASI MILENIAL DI JAKARTA). S2 thesis, Universitas Mercu Buana-Menteng.
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Abstract
Dalam mengambil keputusan investasi, investor perlu mempertimbangkan berbagai faktor untuk menghindari kerugian di masa depan. Penelitian ini bertujuan untuk menguji pengaruh perilaku keuangan, overconfidence, dan persepsi risiko terhadap keputusan investasi pada investor generasi milenial di Jakarta, dengan peran mediasi literasi keuangan. Penelitian ini menggunakan metode kuantitatif dengan pemodelan persamaan struktural (Structural Equation Modeling - SEM) dan didukung oleh perangkat lunak Smart PLS 4.0, melibatkan 100 responden yang berusia antara 28-43 tahun. Hasil penelitian menunjukkan bahwa perilaku keuangan dan persepsi risiko berpengaruh signifikan terhadap literasi keuangan, sedangkan overconfidence tidak berpengaruh terhadap literasi keuangan generasi milenial di Jakarta. Selain itu, perilaku keuangan, overconfidence, dan persepsi risiko tidak berpengaruh secara langsung terhadap keputusan investasi. Namun, literasi keuangan berpengaruh terhadap keputusan investasi dan dapat memediasi pengaruh perilaku keuangan, overconfidence, dan persepsi risiko terhadap keputusan investasi. Temuan ini dapat menjadi masukan bagi generasi milenial di Jakarta khususnya, dan di Indonesia pada umumnya, untuk mengambil keputusan investasi yang lebih baik dengan mempertimbangkan faktor perilaku keuangan, overconfidence, persepsi risiko, dan literasi keuangan. In making investment decisions, investors need to consider various factors to avoid future investment losses. This study aims to examine the influence of financial behavior, overconfidence, and risk perception on investment decisions among millennial investors in Jakarta, with the mediating role of financial literacy. This research employs a quantitative method using structural equation modeling (SEM) with the support of Smart PLS 4.0 software, involving 100 respondents aged between 28-43 years. The findings reveal that financial behavior and risk perception significantly affect financial literacy, while overconfidence does not impact financial literacy among millennial investors in Jakarta. Furthermore, financial behavior, overconfidence, and risk perception do not directly influence investment decisions. However, financial literacy does influence investment decisions and can mediate the impact of financial behavior, overconfidence, and risk perception on investment decisions. These findings are expected to provide insights for millennials in Jakarta and Indonesia in general to make informed investment decisions by considering financial behavior, overconfidence, risk perception, and financial literacy.
| Item Type: | Thesis (S2) |
|---|---|
| NIM/NIDN Creators: | 55121110098 |
| Uncontrolled Keywords: | Keputusan Investasi, Literasi Keuangan, Perilaku Keuangan, Overconfidence, Persepsi Risiko, Generasi Milenial. Investment Decision, Financial Literacy, Financial Behavior, Overconfidence, Perceived Risk, Millennial Generation. |
| Subjects: | 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 658 General Management/Manajemen Umum |
| Divisions: | Pascasarjana > Magister Manajemen |
| Depositing User: | RAUL ANDIKA KURNIAWAN |
| Date Deposited: | 22 Jan 2025 04:44 |
| Last Modified: | 22 Jan 2025 04:44 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/93684 |
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