Kristian, Jonathan
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Peningkatan kualitas keputusan investasi melalui literasi keuangan digital Kristian, Jonathan; Setyawan, Ignatius Roni
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 8 No 2 (2024): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v8i2.29695

Abstract

The development of information technology has changed the whole economic landscape which might have changed how to make investment decisions and those qualities. Although there's a lot of research about the relationship between financial literacy on investment decisions, there is less research on the effect of investment convenience and herding behavior specifically on digital financial assets investment. Therefore, the purpose of this research is to gain a better understanding relation of digital financial literacy, digital financial behavior, digital investment risk comprehension, digital investment convenience, and digital investment herding behavior on the quality of digital financial assets investment decisions. Data used in this research was obtained from questionnaires that distributed non-probability using the snowball method and then statically analyzed with PLS-SEM. The research found that digital financial literacy is not significantly related to digital investment decision quality, however digital investment risk comprehension and convenience of digital investment mediate digital financial literacy to this decision quality. Digital financial behavior is partially mediating digital financial literacy to digital investment risk comprehension and herding behavior in investment have no significant relation to this decision quality. Perkembangan teknologi informasi merubah struktur ekonomi secara menyeluruh hingga dapat memengaruhi cara pengambilan dan kualitas keputusan investasi yang diambil. Walaupun banyak penelitian mengenai pengaruh literasi keuangan terhadap keputusan investasi, belum banyak penelitian yang meneliti pengaruh dari kemudahan investasi dan perilaku kawanan dalam berinvestasi terutama dalam konteks investasi aset keuangan secara digital. Tujuan dari penelitian ini adalah memahami bagaimana literasi keuangan digital, perilaku keuangan digital, pemahaman risiko investasi digital, kemudahan investasi digital, dan perilaku kawanan dalam investasi digital dapat memengaruhi kualitas keputusan investasi aset keuangan digital yang diambil. Data didapat dari hasil survei yang terdistribusi non-probability dengan metode snowball yang kemudian dianalisis secara statistik dengan PLS-SEM. Penelitian ini menunjukkan literasi keuangan digital tidak berhubungan signifikan secara langsung terhadap kualitas keputusan investasi aset keuangan secara digital secara langsung, namun dimediasi oleh kemudahan investasi digital dan pemahaman risiko investasi digital. Perilaku keuangan digital memediasi secara parsial literasi keuangan digital terhadap pemahaman risiko investasi digital dan perilaku kawanan tidak memiliki pengaruh signifikan terhadap kualitas keputusan investasi tersebut.