Pengaruh Financial Literacy, Risk Tolerance, dan Financial Attitude terhadap Investment Decision
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Abstract
Tren investasi yang berkembang saat ini banyak diikuti oleh Generasi Z yang dapat mengakses informasi dengan sangat mudah. Namun, kemudahan tersebut tidak selalu diimbangi dengan kesiapan diri yang cukup matang, sehingga sering kali berujung pada keputusan investasi yang kurang tepat dan berpotensi merugikan. Maka dari itu, penelitian ini bertujuan untuk mengetahui pengaruh Financial Literacy, Risk Tolerance, dan Financial Attitude terhadap Investment Decision Generasi Z di Jakarta Barat. Populasi dalam penelitian ini adalah Generasi Z yang berdomisili di Jakarta Barat dan sudah memiliki pendapatan. Sampel pada penelitian ini sebanyak 170 responden yang berdomisili di Jakarta Barat, tahun kelahiran antara 1997 – 2012 dan sudah memiliki pendapatan. Data dikumpulkan melalui kuesioner dengan teknik analisis data PLS-SEM. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh positif Financial Literacy terhadap Investment Decision, terdapat pengaruh positif Risk Tolerance terhadap Investment Decision, dan terdapat pengaruh positif Financial Attitude terhadap Investment Decision.
The growing investment trend today is widely followed by Generation Z, who can access information very easily. However, this convenience is not always accompanied by sufficient personal readiness, which often leads to inappropriate and potentially harmful investment decisions. Therefore, this study aims to determine the influence of Financial Literacy, Risk Tolerance, and Financial Attitude on the Investment Decision of Generation Z in West Jakarta. The population in this study consists of Generation Z individuals who reside in West Jakarta and already have an income. The sample of this study includes 170 respondents who live in West Jakarta, were born between 1997 and 2012, and already have an income. Data were collected through a questionnaire using PLS-SEM as the data analysis technique. The results of this study indicate that there is a positive influence of Financial Literacy on Investment Decision, a positive influence of Risk Tolerance on Investment Decision, and a positive influence of Financial Attitude on Investment Decision.
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