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Journal : Jurnal Riset Multidisiplin Edukasi

PENGARUH PERSEPSI RISIKO DAN KEPERCAYAAN TERHADAP PALTFORM DIGITAL DALAM KEPUTUSAN BERINVESTASI SAHAM ONLINE Fadali Rahman; Muhammad Herman Djaja; Dain Lestari; Sitti Aisyah Legenda; Syindina Anansyah Fitriani
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 11 (2025): Jurnal Resit Multidisiplin Edukasi (Edisi November 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i11.1138

Abstract

This study discusses the dynamics of risk perception in investment decision-making by the millennial generation, particularly in the context of digital investments. In general, risk perception plays a significant role in increasing investors' awareness of potential losses, especially for those with a good understanding of risk and financial literacy. However, the findings indicate inconsistencies when investment decisions are made through digital platforms. Overconfidence in technology, the influence of social media, app gamification, and expectations of quick profits lead some millennials to overlook real risks. Risk perception is also influenced by factors such as personal experience, educational and economic background, as well as information disseminated through social media algorithms. The phenomenon of herding behavior further reinforces impulsive decision-making without thorough risk analysis. Therefore, an integrative approach is needed that includes digital literacy, risk understanding, and financial ethics. The roles of regulators, educational institutions, and digital platforms become important in shaping a safe and sustainable investment ecosystem. This study emphasizes the importance of critical and inclusive education to shape a young generation of investors who are not only technologically literate but also wise, rational, and responsible in facing the ever-evolving complexities of the digital economy.
Co-Authors Aang Kunaifi Aang Kunaifi Abd Rosyid Abdul Bari Abdul Kadir Abdul Kadir Achmad Ali Said Agus Hermawan Agus Hermawan Ahmad Kamil Ahmad Nuruddin Hasbullah Ainurrahman Amin, Moh. Roqibul Ananda W, Nadia Anisatul Kamilah Ariska Wulandari, Yeni Ashari, Azis Aulia Wahyu Ridho, Mohammad Azis Ashari Badrus Sholeh Dain Lestari DIAN LESTARI Dwi Handayani, Shinta Efendi, Junaidi Fajar, Achmarul Fajar, Ainul Fajriah Fajriah, Fajriah Falahuddin, Moh. Arif Fata, Fahrul Fauzan - Fikni, Nurinda Aulia Firmansyah, Nur Alvian Fitriani, Syindina Anansyah Fulgentius Danardana Murwani Galuh Wahono, Ghowina Gymnastiar , Wieldanh Hamid Badri, Abd. Hasibuddin, Hasibuddin Heni Pujiastuti Idris Yanto Niode Imam Mukhlis Intan Meivy Fahruddin Jefri Wahyudi, Moh Karimah, Karimah Khoiruddin Khozinatul Jannah Legenda, Siti Aisyah Luluk Mukarromah Lutfidah Mad Yunus Mannan, Abd Martavia As Shafira, Nabila Mas’udi, Ahmad Matnin Maulana , Irfan MIFTAHOL ARIFIN, MIFTAHOL Mohamad Toha Mohamad Toha Mubayyanah Mubayyanah Muhammad Herman Djaja Muhammad Sa’ud Muslim, Moh Nabilah, Alvina Naila, Alfin Nisfatin Auriya Nisrin Nor Azizah Nor Kamiliya Nukma wilfiya Nur Hasan Nur Hidayati Nurfaizah, Arini Nurlatipah, Wita Sri Nurul Qomariyah Pradana, Ferry Puji Handayati Ramsi, Moh Rifqiyadi, Achmad Risca Dwiaryanti Risca Dwiaryanti Risca Dwiaryanti, Risca Rohmiyati, Rohmiyati Safari, Ikbal Saidi, Ahmad Salehoddin, Salehoddin Sa’adah, Nurus Sholehuddin, Moh Sholiha, Ulfatus Sholihah, Shofiyatus Siska Rizkyah Usyatullayli Siti Syafiqotun Nabila Sitti Aisyah Legenda Soleh, Noris Sonhaji Sudarmiatin Sulaiman, Moch Syindina Anansyah Fitriani Thabita, Calistha Tirta Mulyadi Tohari Tohari Tohari Tzauri, Achmad Wafi, Abd. Wardatul Jannah, Wardatul Wika Rusmiati Wita Sri Nurlatipah Yuliatin yuliatin Zahid, Moh