Pengaruh Literasi Keuangan, Persepsi Risiko dan Efikasi Keuangan terhadap Minat Investasi Saham
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Abstract
Masih banyak orang yang kesulitan untuk mengatur keuangan maupun mengontrol pengeluaran dengan penghasilan yang didapatkan. Kebutuhan manusia terutama di generasi milenial terus meningkat. Hal ini meningkatkan kesadaran mereka untuk mencari tambahan pemasukan dalam memenuhi kebutuhan tersebut. Banyak cara untuk meningkatkan pemasukan, salah satunya adalah dengan berinvestasi. Terdapat banyak pilihan investasi yang tersedia bagi para investor di Indonesia dan tentunya masing masing investasi tersebut memiliki kekurangan dan kelebihan. Dimana kegiatan investasi yang memiliki tujuan untuk mendapatkan hasil yang diinginkan oleh investor. Maka niat untuk mulai berinvestasi pun semakin besar karena adanya berbagai kemudahan dalam berinvestasi di jaman sekarang. Dengan kesadaran dan waktu yang ada untuk berinvestasi, generasi milenial sangat mendominasi pasar modal pada kondisi seperti sekarang. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh 1) literasi keuangan terhadap minat investasi saham 2) persepsi risiko terhadap minat investasi saham 3) efikasi keuangan terhadap minat investasi saham. Jumlah sampel pada penelitian ini adalah 205 orang responden dari generasi milenial yang berdomisili di daerah Jakarta yang berhasil dikumpulkan dengan menyebarkan kuesioner secara online melalui google form dengan teknik pengumpulan sampel convenience sampling dan metode analisis data menggunakan PLS-SEM yang dikalkulasi melalui software Smart-PLS versi 3.3.3. Hasil pengujian hipotesis menunjukkan terdapat pengaruh positif literasi keuangan terhadap minat investasi saham, tidak terdapat pengaruh persepsi risiko terhadap minat investasi saham, dan terdapat pengaruh positif efikasi keuangan terhadap minat investasi saham.
There are still many people who have difficulties in managing finances and controlling expenses with the income they earn. Human's needs, especially for the millennial generation, continue to increase. It increases their awareness to look for additional income to meet these needs. There are many ways for increasing income, one of which is by investing. There are many investment options available to investors in Indonesia that definitely have their own advantages and disadvantages. These investment activities definitely have to achieve such advantageous results in generating income or appreciation desired by investors. So the intention to start investing is even greater because of the various conveniences in investing nowadays. With the growing awareness and available time to invest, the millennial generation is dominating the capital market in these conditions. This study aims to determine whether there is an effect of 1) financial literacy on investment intention 2) perceived risk on investment intention 3) financial self efficacy on investment intention. The number of samples in this study were 205 respondents from the millennial generation and domiciled in Jakarta who were successfully collected online through a questionnaire via google-form with convenience sampling technique and processed using PLS-SEM which is calculated through the SmartPLS software version 3.3.3. The hypothesis test result show that there is a positive effect of financial literacy on investment intention, there is no effect of perceived risk on investment intention, and there is a positive effect of financial self efficacy on investment intention.
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