PENGARUH LITERASI KEUANGAN DAN PERSEPSI PENDAPATAN TERHADAP KEPUTUSAN INVESTASI DENGAN PERILAKU KEUANGAN SEBAGAI VARIABEL MEDIASI

DIANA PUSPITASARI, . (2025) PENGARUH LITERASI KEUANGAN DAN PERSEPSI PENDAPATAN TERHADAP KEPUTUSAN INVESTASI DENGAN PERILAKU KEUANGAN SEBAGAI VARIABEL MEDIASI. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Literasi Keuangan dan Persepsi Pendapatan terhadap Keputusan Investasi dengan Perilaku Keuangan sebagai variabel mediasi pada Mahasiswa S2 Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta. Sampel penelitian ini meliputi 120 mahasiswa dengan kriteria mahasiswa S2 FEB UNJ, bekerja dan berpenghasilan, serta pernah berinvestasi. Pengumpulan data dilakukan melalui kuesioner dan diolah menggunakan metode kuantitatif dengan bantuan software SMART PLS-4. Hasil penelitian menunjukkan bahwa secara parsial (1) Literasi keuangan mempunyai pengaruh positif dan signifikan terhadap perilaku keuangan. (2) Persepsi pendapatan mempunyai pengaruh positif dan signifikan terhadap perilaku keuangan. (3) Perilaku keuangan mempunyai pengaruh positif dan signifikan terhadap keputusan investasi. (4) Literasi keuangan mempunyai pengaruh positif dan signifikan terhadap keputusan investasi. (5) Persepsi pendapatan mempunyai pengaruh positif dan signifikan terhadap keputusan investasi. Adapun hasil peran variabel mediasi ialah (6) Literasi keuangan mempunyai pengaruh positif dan signifikan terhadap keputusan investasi melalui perilaku keuangan. (7) Persepsi pendapatan mempunyai pengaruh positif dan signifikan terhadap keputusan investasi melalui perilaku keuangan ***** This study aims to analyze the influence of Financial Literacy and Income Perception on Investment Decisions with Financial Behavior as a mediating variable among Master’s students at the Faculty of Economics and Business, Universitas Negeri Jakarta. The research sample consisted of 120 students who met the criteria of being Master’s students at FEB UNJ, employed and earning an income, and having prior investment experience. Data was collected through a questionnaire and processed using quantitative methods with the help of SMART PLS-4 software. The results of the study show that, partially: (1) Financial literacy has a positive and significant effect on financial behavior. (2) Income perception has a positive and significant effect on financial behavior. (3) Financial behavior has a positive and significant effect on investment decisions. (4) Financial literacy has a positive and significant effect on investment decisions. (5) Income perception has a positive and significant effect on investment decisions. Regarding the mediating role: (6) Financial literacy has a positive and significant effect on investment decisions through financial behavior. (7) Income perception has a positive and significant effect on investment decisions through financial behavior.

Item Type: Thesis (Sarjana)
Additional Information: 1). Prof. Dr. Suherman, S.E., M.Si. ; 2). Andy, M.M.
Subjects: Manajemen > Manajemen , Business
Manajemen > Pendidikan, Riset Penelitian Bisnis
Manajemen > Perilaku Konsumen
Divisions: FE > S1 Manajemen
Depositing User: Diana Puspitasari .
Date Deposited: 04 Aug 2025 03:54
Last Modified: 04 Aug 2025 03:54
URI: http://repository.unj.ac.id/id/eprint/57475

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