FAKTOR-FAKTOR YANG MEMENGARUHI INTENTION TO INVEST PADA PLATFORM INVESTASI DIGITAL DI KALANGAN GEN Z JABODETABEK

EGA AVANZA, . (2026) FAKTOR-FAKTOR YANG MEMENGARUHI INTENTION TO INVEST PADA PLATFORM INVESTASI DIGITAL DI KALANGAN GEN Z JABODETABEK. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

	Text COVER.pdf Download (3MB)
	Text BAB I.pdf Download (358kB)
	Text BAB II.pdf Restricted to Registered users only Download (969kB) | Request a copy
	Text BAB III.pdf Restricted to Registered users only Download (637kB) | Request a copy
	Text BAB IV.pdf Restricted to Registered users only Download (3MB) | Request a copy
	Text BAB V.pdf Restricted to Registered users only Download (489kB) | Request a copy
	Text DAFTAR PUSTAKA.pdf Download (460kB)
	Text DAFTAR LAMPIRAN.pdf Restricted to Registered users only Download (554kB) | Request a copy

Abstract

Penelitian ini menganalisis faktor-faktor yang memengaruhi intention to invest pada platform investasi digital di kalangan Gen Z di wilayah Jabodetabek. Tujuan penelitian adalah menguji pengaruh social influence, perceived risk, dan perceived usefulness terhadap intention to invest. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif. Unit analisis adalah individu Gen Z berusia 18 sampai 28 tahun yang berdomisili di Jabodetabek dan mengetahui platform investasi digital. Data primer dikumpulkan melalui kuesioner daring berskala Likert 5 poin dengan jumlah responden 180 orang. Teknik analisis data menggunakan partial least squares structural equation modeling (PLS-SEM) pada SmartPLS, dengan evaluasi model pengukuran melalui uji validitas konvergen, validitas diskriminan, dan reliabilitas konstruk, lalu pengujian model struktural melalui bootstrapping. Hasil penelitian menunjukkan bahwa social influence berpengaruh positif dan signifikan terhadap intention to invest (koefisien 0,334; t 7,647; p < 0,001), perceived risk berpengaruh negatif dan signifikan (koefisien -0,563; t 13,377; p < 0,001) serta menjadi pengaruh paling dominan, dan perceived usefulness berpengaruh positif dan signifikan (koefisien 0,347; t 7,134; p < 0,001). Secara simultan, ketiga variabel menjelaskan intention to invest dengan R² sebesar 0,554 dan memiliki relevansi prediktif yang baik berdasarkan Q²predict sebesar 0,535. Rekomendasi penelitian menekankan perlunya peningkatan transparansi informasi dan edukasi risiko, penyederhanaan alur transaksi untuk memperkuat manfaat yang dirasakan, serta penguatan elemen sosial seperti komunitas, referensi, dan kredibilitas sumber agar niat investasi Gen Z meningkat. Penelitian ini juga memberikan implikasi bagi penyedia platform dan regulator untuk merancang fitur mitigasi risiko, misalnya simulasi kerugian, peringatan volatilitas, dan penjelasan biaya, serta memastikan komunikasi yang konsisten di kanal digital. Untuk penelitian selanjutnya, disarankan memperluas cakupan wilayah dan menggunakan desain longitudinal agar dinamika niat investasi dapat diamati. ***** This study investigates factors influencing intention to invest in digital investment platforms among Generation Z in Jabodetabek. It examines the effects of social influence, perceived risk, and perceived usefulness on intention to invest. A quantitative associative design was applied. The unit of analysis comprised Generation Z individuals aged 18 to 28 living in Jabodetabek and familiar with digital investment platforms. Primary data were collected using an online questionnaire with a 5-point Likert scale from 180 respondents. Data were analyzed using partial least squares structural equation modeling (PLS-SEM) in SmartPLS. The measurement model was assessed through convergent validity, discriminant validity, and construct reliability, followed by structural model testing via bootstrapping. The results show that social influence has a positive and significant effect on intention to invest (path coefficient 0.334; t 7.647; p < 0.001), perceived risk has a negative and significant effect (path coefficient -0.563; t 13.377; p < 0.001) and is the most dominant predictor, and perceived usefulness has a positive and significant effect (path coefficient 0.347; t 7.134; p < 0.001). Together, the predictors explain intention to invest with an R² of 0.554 and demonstrate predictive relevance with a Q²predict of 0.535. Recommendations highlight the need for clearer risk communication and investor education, streamlined investment processes to strengthen perceived usefulness, and social features that enhance credible social validation. Future studies are encouraged to broaden geographic coverage and adopt longitudinal designs.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Diena Noviarini, M.M.Si. ; 2). Sabo Hermawan, S.Kom., M.Si.
Subjects:	Manajemen > Manajemen , Business Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Ega Avanza .
Date Deposited:	05 Feb 2026 08:25
Last Modified:	05 Feb 2026 08:25
URI:	http://repository.unj.ac.id/id/eprint/64967

Actions (login required)

View Item