PENGARUH PENDAPATAN DAN TOLERANSI RISIKO TERHADAP KEPUTUSAN INVESTASI PADA KARYAWAN GENERASI Z DI JAKARTA PUSAT DENGAN KONTROL DIRI SEBAGAI VARIABEL MODERASI

ARIANI EKA ARTANTI, . (2026) PENGARUH PENDAPATAN DAN TOLERANSI RISIKO TERHADAP KEPUTUSAN INVESTASI PADA KARYAWAN GENERASI Z DI JAKARTA PUSAT DENGAN KONTROL DIRI SEBAGAI VARIABEL MODERASI. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan menganalisis pengaruh pendapatan dan toleransi risiko terhadap keputusan investasi pada karyawan Generasi Z di Jakarta Pusat dengan kontrol diri sebagai variabel moderasi. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif kausal. Sampel berjumlah 135 karyawan Generasi Z yang dipilih menggunakan purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan Partial Least Squares-Structural Equation Modeling (PLS-SEM) dengan SmartPLS 4.1. Hasil penelitian menunjukkan pendapatan berpengaruh positif dan signifikan terhadap keputusan investasi (β = 0,368; T = 9,274; p = 0,000), dan toleransi risiko juga berpengaruh positif dan signifikan (β = 0,244; T = 5,871; p = 0,000). Kontrol diri memoderasi pengaruh pendapatan terhadap keputusan investasi secara positif dan signifikan (β = 0,144; T = 4,202; p = 0,000), serta memoderasi pengaruh toleransi risiko (β = 0,161; T = 4,198; p = 0,000). Nilai R-Square 0,873 menunjukkan semua variabel menjelaskan 87,3% keputusan investasi. Temuan ini menegaskan pendapatan dan toleransi risiko penting, sementara kontrol diri memperkuat pengaruhnya terhadap keputusan investasi.**** This study aims to analyze the influence of income and risk tolerance on investment decisions among Generation Z employees in Central Jakarta, with self-control as a moderating variable. This research uses a quantitative approach with an associative causal design. The sample consists of 135 Generation Z employees selected using purposive sampling. Data were collected through questionnaires and analyzed using Partial Least SquaresStructural Equation Modeling (PLS-SEM) with SmartPLS 4.1. The results show that income has a positive and significant effect on investment decisions (β = 0.368; T = 9.274; p = 0.000), and risk tolerance also has a positive and significant effect on investment decisions (β = 0.244; T = 5.871; p = 0.000). Self-control moderates the effect of income on investment decisions positively and significantly (β = 0.144; T = 4.202; p = 0.000), and also moderates the effect of risk tolerance on investment decisions positively and significantly (β = 0.161; T = 4.198; p = 0.000). The R-Square value of 0.873 indicates that all variables explain 87.3% of investment decisions. These findings confirm that income and risk tolerance are important factors, while self-control strengthens their influence on investment decisions.

Item Type:	Thesis (Sarjana)
Additional Information:	1) Prof. Dr. Saparuddin M., M.Si. 2) Dr. Herlitah, S.Sos., M.Ec.Dev.
Subjects:	Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Ariani Eka Artanti .
Date Deposited:	05 Aug 2026 07:01
Last Modified:	05 Aug 2026 07:01
URI:	http://repository.unj.ac.id/id/eprint/68581

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