PENGARUH LITERASI KEUANGAN DAN PERILAKU KEUANGAN TERHADAP KEPUTUSAN INVESTASI PADA PENGGUNA BIBIT.ID

RIZKA ANGGRAINI, . (2025) PENGARUH LITERASI KEUANGAN DAN PERILAKU KEUANGAN TERHADAP KEPUTUSAN INVESTASI PADA PENGGUNA BIBIT.ID. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk mengkaji bagaimana pengaruh literasi keuangan dan perilaku keuangan terhadap keputusan investasi, dengan menjadikan perilaku keuangan sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui Google Forms dan media sosial. Jumlah responden dalam penelitian ini sebanyak 125 orang investor yang merupakan pengguna platform Bibit. Analisis data dilakukan dengan metode Structural Equation Modeling-Partial Least Square (SEM-PLS), menggunakan teknik bootstrapping untuk menguji pengaruh antar variabel melalui bantuan software SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan dan perilaku keuangan berpengaruh signifikan terhadap keputusan investasi. Literasi keuangan memiliki pengaruh positif, sementara perilaku keuangan menunjukkan pengaruh negatif terhadap keputusan investasi. Selain itu, perilaku keuangan terbukti mampu memediasi hubungan antara literasi keuangan dan keputusan investasi. ***** This study aims to examine the influence of financial literacy and financial behavior on investment decisions, with financial behavior serving as a mediating variable. A quantitative approach was employed, using primary data collected through Google Forms and social media platforms. The sample consisted of 125 investors who are users of the Bibit investment platform. Data analysis was conducted using Structural Equation Modeling with Partial Least Squares (SEM-PLS), and the bootstrapping technique was applied to test the significance of relationships between variables, with the help of SmartPLS software. The findings reveal that both financial literacy and financial behavior significantly affect investment decisions. Financial literacy has a positive influence, while financial behavior has a negative influence on investment decisions. Furthermore, financial behavior was found to mediate the relationship between financial literacy and investment decisions.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dr. Suparno, S.Pd., M.Pd. ; 2). Dr. Agus Wibowo, S.Pd.I., M.Pd.
Subjects:	Ilmu Sosial > Keuangan
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Rizka Anggraini
Date Deposited:	29 Oct 2025 02:43
Last Modified:	29 Oct 2025 02:43
URI:	http://repository.unj.ac.id/id/eprint/62772

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