Jurnal Ilmu Teknologi Informasi Indonesia (JITIFNA)
Vol. 2 No. 1 (2026): JITIFNA - Januari

Pengaruh Literasi Digital Dan Financial Literacy Terhadap Kesiapan Gen Z Menjadi Investor Pemula

Adrian Nasir (Universitas Muhammadiyah Mamuju)
Dian Sidiq Saputra (Universitas Muhammadiyah Mamuju)
Hari Yeni (Universitas Muhammadiyah Mamuju)



Article Info

Publish Date
19 Jan 2026

Abstract

This study aims to analyze the effect of investment knowledge and technological advancement on Generation Z students’ investment decisions, with investment interest as an intervening variable. Generation Z, who grew up in the digital era, has broad access to financial information and financial technology, making knowledge and technology important factors in the investment decision-making process. This research employs a quantitative approach using path analysis. The research sample consists of 100 students from the Management Study Program at Universitas Negeri Makassar, selected using a specific sampling technique. The results indicate that investment knowledge and technological advancement have a significant effect on students’ investment interest. Furthermore, both variables also have a direct and significant influence on investment decisions. Investment interest is proven to mediate the effect of investment knowledge and technological advancement on the investment decisions of Generation Z students. These findings emphasize the importance of improving financial literacy and utilizing digital technology to encourage greater investment interest and more effective investment decision-making among students.

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Journal Info

Abbrev

jitifna

Publisher

Subject

Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Engineering Industrial & Manufacturing Engineering

Description

Jurnal Ilmu Teknologi Informasi Indonesia (JITIFNA) didedikasikan untuk pengembangan dan penyebaran ilmu pengetahuan di bidang Teknologi Informasi di Indonesia. Jurnal ini memuat artikel berupa penelitian asli, ulasan literatur, maupun studi kasus yang membahas perkembangan dan penerapan teknologi ...