Pengaruh Literasi Keuangan, Pengetahuan Investasi, Persepsi Risiko, dan Efikasi Keuangan terhadap Minat Berinvestasi pada Generasi Z dan Milenial di Kecamatan Sangatta Utara

Andayani (STIE Nusantara Sangatta)
Nuuridha Matiin (Sekolah Tinggi Ilmu Ekonomi Nusantara Sangatta)
Efendi Rahmanto (STIE Nusantara Sangatta)
Andi Mursalin (STIE Nusantara Sangatta)

Jurnal Ilmiah Raflesia Akuntansi
Vol 12 No 2 (2026): Jurnal Ilmiah Raflesia Akuntansi

This study aims to analyze the influence of financial literacy, investment knowledge, risk perception, and financial efficacy on the investment interest of Generation Z and Millennials in North Sangatta District. The research method used is a quantitative approach with data collection through structured questionnaires using a 5-point Likert scale. The research results show that financial literacy, investment knowledge, and financial efficacy have a positive and significant effect on investment interest. Meanwhile, risk perception has a negative and significant effect on investment interest. These findings indicate that internal psychological factors and technical understanding are the main drivers for the younger generation in North Sangatta to participate in the capital market