Pengaruh Literasi Keuangan, Perilaku Keuangan, dan Pendapatan Terhadap Keputusan Investasi Generasi Z

Hendrika, Erika Stephani Putri (2025) Pengaruh Literasi Keuangan, Perilaku Keuangan, dan Pendapatan Terhadap Keputusan Investasi Generasi Z. Undergraduate thesis, Universitas Hayam Wuruk Perbanas.

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Abstract

The number of capital market investors in Indonesia has increased significantly, especially in generation Z. This study aims to analyze the effect of financial literacy, financial behavior, and income on generation Z's investment decisions in Surabaya. The sample of this study consisted of 144 generation Z who live in Surabaya and have investments. The sampling technique uses purposive sampling. The analysis technique used is Partial Least Squares (PLS) method within Structural Equation Modeling (SEM). The results showed that financial literacy had no effect on investment decisions, while financial behavior had a significant positive effect on investment decisions. Furthermore, financial behavior was unable to mediate the effect of financial literacy on investment decisions, and income weakened the effect of financial literacy on financial behavior. This study provides insights into the role of financial literacy, financial behavior, and income in shaping a mindset that influences Generation Z's investment decisions. The findings imply that Generation Z should develop good financial behavior to be more confident in taking risks when making investment decisions

Item Type: Thesis (Undergraduate)
Subjects: 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.15 - FINANCIAL MANAGEMENT
Divisions: Bachelor of Management
Depositing User: ERIKA STEPHANI PUTRI HENDRIKA
Date Deposited: 08 Mar 2025 05:29
Last Modified: 08 Mar 2025 05:29
URI: http://eprints.perbanas.ac.id/id/eprint/13214

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