Pengaruh Literasi Keuangan, Risiko Investasi, dan Tingkat Pendapatan Terhadap Keputusan Investasi Generasi Milenial
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Abstract
Tujuan dari penelitian ini adalah untuk mengkaji bagaimana generasi milenial di Sulawesi Selatan membuat keputusan investasi terkait dengan literasi keuangan, risiko investasi, dan tingkat pendapatan. Metode purposive sampling digunakan untuk mengumpulkan data dari 200 responden secara kuantitatif, dan Partial Least Squares Structural Equation Modeling (PLS-SEM) digunakan untuk analisis data. Temuan penelitian menunjukkan bahwa literasi keuangan, risiko investasi, dan tingkat pendapatan secara parsial berpengaruh signifikan dan positif terhadap keputusan investasi. Komponen yang paling signifikan ditentukan sebagai literasi keuangan, yang menunjukkan bahwa pemahaman yang lebih baik mengenai keuangan mendorong pilihan untuk investasi yang lebih logis dan berwawasan. Secara simultan, literasi keuangan, risiko investasi, dan tingkat pendapatan secara bersama-sama mempengaruhi keputusan investasi. Sesuai dengan prinsip teori keuangan perilaku, teori portofolio, dan teori siklus hidup, kesadaran akan risiko investasi dan stabilitas pendapatan juga memainkan peran utama. Temuan ini memberikan implikasi praktis bagi pembuat kebijakan, penyedia layanan keuangan, dan lembaga pendidikan untuk menyusun program yang dapat membantu meningkatkan pemahaman keuangan dan investasi pada generasi muda.
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