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All Journal Optimal: Jurnal Ekonomi dan Manajemen
Christian Hadinata Hodianto
Universitas 17 Agustus 1945 Surabaya

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Pengaruh Financial Literacy, Risk Perception dan Digital Trading Platform Terhadap Keputusan Investasi Generasi Z di Surabaya Annisa Nur Rochmah; Christian Hadinata Hodianto; Lufvi Selvi Febrianti; Jeasson Oktavianus Gatur; Maria Yovita R Pardin
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 6 No. 1 (2026): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v6i1.9522

Abstract

This study aims to analyze the influence of financial literacy, risk perception, and digital trading platforms on Generation Z's investment decisions. The research method used was a quantitative approach with multiple linear regression analysis based on data from 50 respondents. The results show that financial literacy has a positive and significant effect on investment decisions, with a coefficient of 1.518 and a significance level of <0.001, indicating that the higher a person's financial literacy level, the better their investment decisions. Risk perception has a negative and significant effect, with a coefficient of -0.522 and a significance level of <0.001, indicating that the higher the risk perception, the lower the tendency to invest. Meanwhile, digital trading platforms have a positive and significant effect, with a coefficient of 0.254 and a significance level of <0.001, indicating that the better the convenience and features of the digital platform, the more likely they are to make investment decisions. Overall, this regression model indicates that the combination of these three independent variables plays a significant role in shaping Generation Z's investment decisions in the digital era.
Co-Authors Annisa Nur Rochmah Jeasson Oktavianus Gatur Lufvi Selvi Febrianti Maria Yovita R Pardin