PENGARUH CONFIRMATION BIAS, RISK PERCEPTION, LOCUS OF CONTROL, DAN FINANCIAL LITERACY TERHADAP INVESTMENT DECISION GEN-Z DI JAKARTA

AGUNG SETIABUDI, . (2026) PENGARUH CONFIRMATION BIAS, RISK PERCEPTION, LOCUS OF CONTROL, DAN FINANCIAL LITERACY TERHADAP INVESTMENT DECISION GEN-Z DI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh confirmation bias, risk perception, locus of control, dan financial literacy terhadap investment decision Gen-Z di Jakarta. Metode yang digunakan adalah pendekatan kuantitatif dengan desain kausal. Populasi penelitian adalah seluruh Gen-Z yang berdomisili di wilayah Jakarta dan telah memiliki pengalaman berinvestasi, yang diperlakukan sebagai populasi tak terhingga (infinite population) mengingat tidak tersedianya data resmi mengenai jumlah pastinya. Sampel penelitian berjumlah 140 responden yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria tertentu, dengan data dikumpulkan melalui kuesioner Skala Likert 5 poin. Sebelum pengujian hipotesis, instrumen penelitian terlebih dahulu diuji validitas dan reliabilitasnya pada 30 responden di luar sampel, dan seluruh item dinyatakan valid dan reliabel. Data dianalisis menggunakan regresi linear sederhana yang dijalankan pada empat model regresi terpisah dengan bantuan SPSS, setelah model regresi dinyatakan memenuhi uji asumsi klasik (normalitas, heteroskedastisitas, dan linearitas). Hasil penelitian menunjukkan bahwa confirmation bias berpengaruh positif dan signifikan terhadap investment decision (t hitung = 15,019 > t tabel 1,977; Sig. <0,001; R² = 0,620). Risk perception juga terbukti berpengaruh positif dan signifikan (t hitung = 14,720; Sig. <0,001; R² = 0,611), begitu pula locus of control (t hitung = 14,918; Sig. <0,001; R² = 0,617) dan financial literacy (t hitung = 17,654; Sig. <0,001; R² = 0,693). Dengan demikian, dapat disimpulkan bahwa confirmation bias, risk perception, locus of control, dan financial literacy berpengaruh positif dan signifikan terhadap investment decision./*****This study aims to analyze the effect of confirmation bias, risk perception, locus of control, and financial literacy on the investment decision of Generation Z in Jakarta. The method used is a quantitative approach with a causal design. The population consists of all Generation Z individuals residing in Jakarta with investment experience, treated as an infinite population given the absence of official data on its exact size. The sample consisted of 140 respondents selected through purposive sampling based on specific criteria, with data collected using a 5-point Likert scale questionnaire. Prior to hypothesis testing, the research instrument was tested for validity and reliability on 30 respondents outside the sample, and all items were declared valid and reliable. Data were analyzed using simple linear regression conducted across four separate models with the aid of SPSS, after the regression models were confirmed to satisfy the classical assumption tests (normality, heteroscedasticity, and linearity). The results show that confirmation bias has a positive and significant effect on investment decision (t-value = 15.019 > t-table 1.977; Sig. < 0.001; R² = 0.620). Risk perception was also found to have a positive and significant effect (t-value = 14.720; Sig. < 0.001; R² = 0.611), as did locus of control (t-value = 14.918; Sig. < 0.001; R² = 0.617) and financial literacy (t-value = 17.654; Sig. < 0.001; R² = 0.693). Thus, it can be concluded that confirmation bias, risk perception, locus of control, and financial literacy have a positive and significant effect on investment decisions.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dr. Annisa Lutfia, S.Pd., M.Pd. ; 2). Rizka Zakiah, M.Pd
Subjects:	Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Pendidikan Bisnis
Depositing User:	Agung Setiabudi .
Date Deposited:	20 Aug 2026 10:03
Last Modified:	20 Aug 2026 10:03
URI:	http://repository.unj.ac.id/id/eprint/72162

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