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All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Mahkota Bisnis (Makbis)
Frans Gidion Sinuhaji
Universitas Mahkota Tricom Unggul
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science

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THE INFLUENCE OF SELF-EFFICACY, FINANCIAL MANAGEMENT, AND INVESTMENT KNOWLEDGE ON INVESTMENT INTEREST AMONG GENERATION Z STUDENTS AT UNIVERSITAS MAHKOTA TRICOM UNGGUL Frans Gidion Sinuhaji
Jurnal Mahkota Bisnis (Makbis) Vol 4 No 2 (2025): Jurnal Mahkota Bisnis (Makbis)
Publisher : MTU PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59929/mm.v4i2.123

Abstract

This study examines the influence of self-efficacy, financial (money) management, and investment knowledge on investment interest among Generation Z students at Universitas Mahkota Tricom Unggul. The research employs a quantitative approach using multiple linear regression analysis. The results of the F-test indicate that self-efficacy, money management, and investment knowledge simultaneously have a significant effect on students’ interest in investing (F = 15.520; Sig. = 0.000), confirming that the regression model is statistically fit. The coefficient of determination (R² = 0.445) shows that 44.5% of the variation in investment interest can be explained by the independent variables, while the remaining 55.5% is influenced by other factors outside the model. The Adjusted R Square value of 0.417 suggests good explanatory power. The Durbin–Watson value of 0.720 indicates no serious autocorrelation in the residuals. Overall, the findings highlight the importance of enhancing investment knowledge, financial management skills, and self-efficacy to increase investment interest among Generation Z students. These results provide practical implications for universities and policymakers in designing financial education and investment literacy programs.
DIGITAL INVESTMENT PLATFORMS AND FINANCIAL MANAGEMENT IN SHAPING GENERATION Z INVESTMENT BEHAVIOR: THE MEDIATING ROLE OF AI DECISION SUPPORT Frans Gidion Sinuhaji; Victor Maruli Pakpahan; Deby Siska Oktavia Pasaribu; Dompak Pasaribu
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 10 (2026): SEPTEMBER
Publisher : RADJA PUBLIKA

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Abstract

This study aims to examine the effects of digital investment platform acceleration and financial management implementation on the investment behavior of Generation Z students in Medan City, with Artificial Intelligence Decision Support (AI-DSS) as a mediating variable. Using a quantitative approach based on the Theory of Planned Behavior (TPB), data were collected from 300 respondents through purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (SEM-PLS). The results indicate that digital investment platform acceleration and financial management have a positive and significant direct effect on investment behavior. A good understanding of financial management also significantly encourages the utilization of AI-DSS. However, AI-DSS does not have a significant effect on investment behavior and does not mediate the relationships between the two independent variables and investment behavior. In conclusion, Generation Z's investment decisions are currently driven primarily by application accessibility and personal financial fundamentals directly, rather than by AI algorithmic recommendations.
Co-Authors Deby Siska Oktavia Pasaribu Pakpahan, Victor Maruli Sitorus, Dompak