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All Journal Jurnal Bisnis dan Pemasaran Digital
Klemensia Erna Christina Sinaga
Politeknik Negeri Lampung, Lampung, Indonesia
Economics, Econometrics & Finance

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Financial Literacy, Minimum Capital, and Risk Perception in Generation Z Capital-Market Investment Interest Dinda Laraswati; Anita Kusuma Dewi; Klemensia Erna Christina Sinaga
Jurnal Bisnis dan Pemasaran Digital Vol 6 No 1 (2026): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jbpd.v6i1.7256

Abstract

Purpose: This study examines associations of financial literacy, perceived minimum-capital affordability, and risk perception with Generation Z students' capital-market investment interest in Indonesia.Methods: At Politeknik Negeri Lampung, 160 of 176 responses met purposive criteria: active enrollment, investment-lecture exposure, and no current capital-market investment. A 32-item Likert instrument was analyzed in SPSS 26 using measurement-quality tests, regression diagnostics, multiple regression, t and F tests, and adjusted R².Results: Financial literacy (B = -0.250, p = .001) and risk perception (B = -0.661, p < .001) are negatively associated with interest; minimum-capital affordability is positive (B = 1.242, p < .001). The model is jointly significant, F(3, 156) = 70.257, p < .001; adjusted R² = .566.Limitations: The purposive self-report sample comes from one vocational institution and measures intention rather than realized behavior.Conclusion: Affordability strengthens investment interest, whereas perceived risk constrains it; among inexperienced respondents, higher financial literacy corresponds to greater caution rather than stronger interest.Contributions: The study extends evidence to Indonesian vocational Generation Z and integrates capability, entry affordability, and risk beliefs.
Financial Literacy, Minimum Capital, and Risk Perception in Generation Z Capital-Market Investment Interest Dinda Laraswati; Anita Kusuma Dewi; Klemensia Erna Christina Sinaga
Jurnal Bisnis dan Pemasaran Digital Vol 6 No 1 (2026): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jbpd.v6i1.7256

Abstract

Purpose: This study examines associations of financial literacy, perceived minimum-capital affordability, and risk perception with Generation Z students' capital-market investment interest in Indonesia.Methods: At Politeknik Negeri Lampung, 160 of 176 responses met purposive criteria: active enrollment, investment-lecture exposure, and no current capital-market investment. A 32-item Likert instrument was analyzed in SPSS 26 using measurement-quality tests, regression diagnostics, multiple regression, t and F tests, and adjusted R².Results: Financial literacy (B = -0.250, p = .001) and risk perception (B = -0.661, p < .001) are negatively associated with interest; minimum-capital affordability is positive (B = 1.242, p < .001). The model is jointly significant, F(3, 156) = 70.257, p < .001; adjusted R² = .566.Limitations: The purposive self-report sample comes from one vocational institution and measures intention rather than realized behavior.Conclusion: Affordability strengthens investment interest, whereas perceived risk constrains it; among inexperienced respondents, higher financial literacy corresponds to greater caution rather than stronger interest.Contributions: This study advances existing theoretical perspectives by integrating capability, entry affordability, and perceived risk into a unified conceptual understanding of Generation Z's decision-making behavior in Indonesian vocational education.
Co-Authors Anita Kusuma Dewi Dinda Laraswati