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Prameswari, Nadia Rachelita
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Economics, Econometrics & Finance

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Peran literasi keuangan, persepsi risiko, motivasi terhadap minat investasi generasi z di Surabaya Setyorini, Haryati; Prameswari, Nadia Rachelita
Journal of Business & Banking Vol 14 No 02: November-April 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i02.5097

Abstract

Minat investasi mencerminkan kecenderungan seseorang untuk menanamkan modal yang dimiliki pada instrumen keuangan dengan tujuan memperoleh keuntungan di masa depan. Penelitian ini bertujuan untuk menelusuri apakah terdapat pengaruh dari variabel literasi keuangan, persepsi risiko, dan motivasi terhadap minat investasi. Teknik pengambilan sampel menggunakan teknik purposive sampling dengan menggunakan 142 responden pada generasi Z dengan rentang usia 17 hingga 27 tahun yang berdomisili di Kota Surabaya. Penelitian ini menggunakan teknik analisis data metode Partial Least Squares Structural Equation Modelling (PLS-SEM). Hasil penelitian ini menunjukkan bahwa variabel literasi keuangan dan motivasi terbukti berpengaruh positif secara signifikan terhadap minat investasi. Namun, pada variabel persepsi risiko tidak terbukti berpengaruh secara signifikan terhadap minat investasi. Penelitian ini mengimplikasikan pentingnya meningkatkan literasi keuangan dan motivasi guna mendorong minat berinvestasi generasi Z untuk mulai berinvestasi agar mencapai kesejahteraan finansial berkelanjutan.
Peran Literasi Keuangan, Persepsi Risiko, Motivasi: Minat Investasi Generasi Z di Surabaya Prameswari, Nadia Rachelita; Setyorini, Haryati
Journal of Business & Banking Vol 14 No 2 (2025): November-April 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.vol14i02.5097

Abstract

ABSTRACT Investment interest reflects a person's desire or tendency to invest their capital in financial instruments with the aim of obtaining profits in the future. High investment interest can be supported by financial literacy, risk perception and motivation to determine appropriate investment instruments. This research aims to explore whether there is an influence of the variables financial literacy, risk perception and motivation on investment interest. The sampling technique uses a non-probability sampling technique, namely purposive sampling. This research used 143 respondents from Generation Z with an age range of 17 to 27 years who live in the city of Surabaya. The data analysis technique uses the SEM (Structural Equation Modeling) method using SmartPLS-4.0 statistical software. The results of this research show that the financial literacy variable is proven to have a significant positive effect on investment interest. Furthermore, the motivation variable is proven to have a significant positive effect on investment interest. However, the risk perception variable was not proven to have a significant effect on investment interest. Based on the results of this research, prospective investors can increase their education about risk management so that prospective investors can be wiser and more informed to increase interest in investing.
Co-Authors Setyorini, Haryati