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All Journal EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Journal of Artificial Intelligence and Digital Business
Aflaha, Vini Annesia
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Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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Pengaruh Literasi Keuangan, Pembelajaran Keuangan, dan Media Sosial Terhadap Perilaku Keuangan Gen Z Aflaha, Vini Annesia
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1260

Abstract

Perilaku keuangan merupakan cerminan dari cara individu mengelola sumber daya keuangannya dalam kehidupan sehari-hari, khususnya pada Generasi Z yang hidup di tengah pesatnya perkembangan teknologi informasi dan media sosial. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, pembelajaran keuangan, dan paparan media sosial terhadap perilaku keuangan pada Generasi Z. Permasalahan dalam penelitian ini didasarkan pada fenomena banyaknya generasi muda yang men-galami kesulitan dalam mengatur keuangan pribadi meskipun memiliki akses luas terhadap informasi keuangan. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan pendekatan survei melalui penyebaran kuesioner kepada mahasiswa sebagai representasi Generasi Z. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan dan pembelajaran keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan, sedangkan paparan media sosial berpengaruh negatif namun signifikan terhadap perilaku keuangan. Secara simultan, ketiga variabel independen tersebut memberikan pengaruh yang signifikan terhadap perilaku keuangan Generasi Z. Temuan ini memperkuat pentingnya pendidikan keuangan dan penguatan literasi keuangan dalam pembentukan kebiasaan finansial yang sehat, serta menunjukkan perlunya kesadaran kritis terhadap konten konsumtif di media sosial. Kes-impulannya, perilaku keuangan Generasi Z dapat ditingkatkan melalui peningkatan literasi dan kualitas pembelajaran keuangan, serta dengan membangun kontrol terhadap pengaruh media sosial.
Analisis Fundamental Perusahaan LQ45 Tahun 2024: Hubungan EPS dan PBV dengan Harga Saham Aflaha, Vini Annesia; Dwiyanti, Yeni Hilma
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 3 (2026): February 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i3.8523

Abstract

This study aims to examine the influence of Earnings per Share (EPS) and Price to Book Value (PBV) on stock prices of companies listed in the LQ45 Index on the Indonesia Stock Exchange in 2024. The background of this research is based on the substantial fluctuations in stock prices during the 2024 period, reflecting unstable global and domestic economic conditions. A quantitative approach with a causal associative research design was employed. The population consisted of all companies included in the LQ45 Index, and a total of 45 companies were selected as the sample using purposive sampling. The study used secondary data obtained from annual financial statements and stock price information published by the Indonesia Stock Exchange. Data were analyzed using multiple linear regression with SPSS, preceded by classical assumption tests (normality, multicollinearity, and heteroscedasticity tests). The results indicate that EPS has a positive and significant effect on stock prices, with a significance value of 0.000 and a regression coefficient of 0.476, meaning that higher earnings per share lead to increased stock prices. PBV also shows a positive coefficient of 0.306 but is not statistically significant, with a significance value of 0.147, implying that PBV does not have a partial effect on stock prices, although market valuation relative to book value still shapes investor perception. The simultaneous test demonstrates that EPS and PBV jointly have a significant effect on stock prices, with a significance value of 0.000 and an adjusted R² of 0.618, indicating that the model explains 61.8% of stock price variation, while the remaining 38.2% is influenced by other factors outside the model. Overall, the findings confirm that EPS is the most decisive fundamental indicator in determining the stock prices of LQ45 companies. These results reinforce that fundamental factors continue to play a crucial role in shaping market valuation in Indonesia.
Co-Authors Yeni Hilma Dwiyanti