PENGARUH PENGETAHUAN INVESTASI, MOTIVASI INVESTASI DAN LITERASI KEUANGAN TERHADAP MINAT INVESTASI CRYPTO PADA GEN Z DI JAKARTA

DAMAR PANJI ARSYI, . (2026) PENGARUH PENGETAHUAN INVESTASI, MOTIVASI INVESTASI DAN LITERASI KEUANGAN TERHADAP MINAT INVESTASI CRYPTO PADA GEN Z DI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Perkembangan investasi digital, khususnya aset kripto, telah menarik perhatian Generasi Z sebagai kelompok yang akrab dengan teknologi dan memiliki karakteristik adaptif terhadap inovasi keuangan. Namun, tingginya minat investasi perlu didukung oleh pengetahuan investasi, motivasi investasi, dan literasi keuangan agar keputusan investasi yang diambil lebih rasional dan bertanggung jawab. Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan investasi, motivasi investasi, dan literasi keuangan terhadap minat investasi Generasi Z di Jakarta. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner kepada 120 responden Generasi Z di Jakarta yang dipilih menggunakan teknik purposive sampling. Pengolahan data dilakukan menggunakan IBM SPSS Statistics 27 melalui uji kualitas data, uji asumsi klasik, analisis regresi linear berganda, uji t, uji F, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa pengetahuan investasi berpengaruh positif dan signifikan terhadap minat investasi dengan nilai t hitung sebesar 8,171 dan signifikansi 0,000. Motivasi investasi juga berpengaruh positif dan signifikan terhadap minat investasi dengan nilai t hitung sebesar 6,494 dan signifikansi 0,000. Selanjutnya, literasi keuangan berpengaruh positif dan signifikan terhadap minat investasi dengan nilai t hitung sebesar 6,648 dan signifikansi 0,000. Secara simultan, pengetahuan investasi, motivasi investasi, dan literasi keuangan berpengaruh positif dan signifikan terhadap minat investasi dengan nilai F hitung sebesar 192,091 dan signifikansi 0,000. Nilai Adjusted R Square sebesar 0,828 menunjukkan bahwa sebesar 82,8% variasi minat investasi dapat dijelaskan oleh ketiga variabel independen, sedangkan sisanya sebesar 17,2% dipengaruhi oleh faktor lain di luar model penelitian. Hasil penelitian ini menunjukkan bahwa peningkatan pengetahuan investasi, motivasi investasi, dan literasi keuangan berperan penting dalam meningkatkan minat investasi Generasi Z di Jakarta. Temuan ini diharapkan dapat menjadi referensi bagi institusi pendidikan, regulator, penyedia layanan investasi digital, serta masyarakat dalam meningkatkan kualitas edukasi investasi dan literasi keuangan guna mendukung pengambilan keputusan investasi yang lebih rasional. **** The rapid development of digital investment, particularly cryptocurrency assets, has attracted the attention of Generation Z as a demographic that is highly familiar with technology and adaptive to financial innovation. However, a high level of investment interest should be supported by investment knowledge, investment motivation, and financial literacy to ensure that investment decisions are made rationally and responsibly. This study aims to analyze the influence of investment knowledge, investment motivation, and financial literacy on the investment interest of Generation Z in Jakarta. This research employed a quantitative approach using a survey method by distributing questionnaires to 120 Generation Z respondents in Jakarta selected through purposive sampling. The data were analyzed using IBM SPSS Statistics 27 through data quality testing, classical assumption testing, multiple linear regression analysis, t-test, F-test, and the coefficient of determination (R²). The results indicate that investment knowledge has a positive and significant effect on investment interest, with a t-value of 8.171 and a significance value of 0.000. Investment motivation also has a positive and significant effect on investment interest, with a t-value of 6.494 and a significance value of 0.000. Furthermore, financial literacy has a positive and significant effect on investment interest, with a t-value of 6.648 and a significance value of 0.000. Simultaneously, investment knowledge, investment motivation, and financial literacy have a positive and significant effect on investment interest, with an F-value of 192.091 and a significance value of 0.000. The Adjusted R² value of 0.828 indicates that 82.8% of the variation in investment interest can be explained by the three independent variables, while the remaining 17.2% is influenced by other factors outside the research model. These findings demonstrate that improving investment knowledge, investment motivation, and financial literacy plays an important role in increasing the investment interest of Generation Z in Jakarta. The findings are expected to serve as a reference for educational institutions, regulators, digital investment service providers, and the public in improving investment education and financial literacy to support more rational investment decisionmaking

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dita Puruwita, S.Pd., M.Si, Ph.D.; 2). Kusworo, S.Pd., M.Pd.
Subjects:	Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Pendidikan Bisnis
Depositing User:	Damar Panji Arsyi .
Date Deposited:	14 Aug 2026 03:17
Last Modified:	14 Aug 2026 03:17
URI:	http://repository.unj.ac.id/id/eprint/70917

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