JURNAL EKONOMI SAKTI (JES)
Vol 15 No 2 (2026)

PENGARUH LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI MAHASISWA GENERASI Z DI UNISMUH MAKASSAR

Winda Lestari Hamka (Universitas Muhammadiyah Makassar)
Abdul Muttalib (Universitas Muhammadiyah Makassar)
Sahabuddin Sahabuddin (Universitas Muhammadiyah Makassar)



Article Info

Publish Date
31 Aug 2026

Abstract

This study analyzes the influence of financial literacy on the investment decisions of Generation Z students at the University of Muhammadiyah Makassar. This study uses a quantitative approach with an explanatory research method. Data were collected through a Likert scale questionnaire to 100 respondents and analyzed using simple linear regression. The results showed that financial literacy had a positive and significant effect on investment decisions with a t-value of 14.807 and a significance of 0.000 (<0.05). Financial literacy helps students understand risks, choose the right investment instruments, and improve the quality of investment decision-making. The higher the level of financial literacy, the more rational the investment decisions are made. Thus, increasing financial literacy is an important factor in encouraging better investment decisions in Generation Z students. Keywords: financial literacy, investment decisions

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Journal Info

Abbrev

103044

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal Ekonomi Sakti (JES) is a peer-reviewed journal published by Institute for Research and Community Service – Institute of Economic Science Sakti Alam Kerinci. The journal provides a forum for academics and professionals to share the latest developments and advances in the knowledge and ...