Pengaruh Literasi Keuangan Terhadap Minat Dan Pemilihan Instrumen Instrumen Digital Pada Mahasiswa
The Effect Of Financial Literacy On Investment Interest And Digital Investment Choices Among Students
DOI:
https://doi.org/10.21831/jpai.v24i02.100256Keywords:
Literasi Keuangan, , Minat Investasi, , Pemilihan Instrumen InvestasiAbstract
Penelitian ini bertujuan menganalisis pengaruh literasi keuangan terhadap minat investasi dan pemilihan instrumen investasi digital pada mahasiswa. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling. Data primer diperoleh melalui kuesioner skala Likert 1–5 yang disebarkan kepada 279 responden. Analisis data dilakukan menggunakan uji validitas, reliabilitas, korelasi Spearman, Mann–Whitney U, dan regresi ordinal. Hasil penelitian menunjukkan bahwa seluruh instrumen penelitian valid dan reliabel. Uji korelasi Spearman mengindikasikan adanya hubungan negatif yang signifikan antara literasi keuangan dan minat investasi, sedangkan hubungan antara literasi keuangan dan pemilihan instrumen investasi tidak signifikan. Uji Mann–Whitney U menunjukkan tidak terdapat perbedaan signifikan pada minat investasi berdasarkan pengalaman investasi, namun terdapat perbedaan signifikan dalam pemilihan instrumen investasi. Analisis regresi ordinal menunjukkan bahwa literasi keuangan berpengaruh signifikan terhadap minat investasi dan pemilihan instrumen investasi, meskipun kontribusinya relatif terbatas. Temuan ini menunjukkan perlunya penguatan literasi keuangan yang lebih aplikatif untuk mendukung pengambilan keputusan investasi secara bijak.
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