Bagaimana Dampak Financial Literacy, Financial Behaviour, dan Income Terhadap Investment Decision Pada Penduduk usia produktif di Kota Tasikmalaya?

Mohammad Fauzan Alghifari; Egi Afriansyah Fauzi; Agine Syakilamandau

doi:10.21043/bisnis.v13i1.31493

Bagaimana Dampak Financial Literacy, Financial Behaviour, dan Income Terhadap Investment Decision Pada Penduduk usia produktif di Kota Tasikmalaya?

Mohammad Fauzan Alghifari, Egi Afriansyah Fauzi, Agine Syakilamandau

Abstract

Rendahnya tingkat literasi keuangan di Kota Tasikmalaya mencerminkan kurangnya kesadaran masyarakat usia produktif akan pentingnya berinvestasi sejak dini untuk memperoleh keuntungan di masa depan. Banyak individu yang masih memiliki pengetahuan, keterampilan, dan keyakinan keuangan yang rendah, sehingga pengambilan keputusan investasinya kurang optimal. Selain itu, perilaku keuangan juga masih tergolong rendah akibat kurangnya kemampuan dalam mengendalikan gaya hidup, yang dipengaruhi oleh tingginya tingkat perilaku konsumtif. Meskipun Upah Minimum Kota (UMK) Tasikmalaya mengalami peningkatan, peningkatan pendapatan tidak selalu sejalan dengan kebiasaan menabung atau investor. Sebaliknya, peningkatan gaya hidup sering kali membuat masyarakat lebih cenderung membelanjakan pendapatannya daripada menyisihkannya untuk berinvestasi atau berinvestasi. Tujuan penelitian ini untuk menyelidiki efek literasi keuangan, perilaku keuangan, dan penghasilan terhadap keputusan investasi. Dengan pendekatan kuantitatif menggunakan analisis regresi linier berganda. Hasil penelitian ini menampilkan dampak besar pada keuangan finansial dan penghasilan terhadap keputusan investasi . Sedangkan perilaku keuangan tidak berdampak signifikan. Secara umum, 3 variabel ini berdampak besar terhadap keputusan investasi. Koefisien determinasi menunjukkan bahwa 57,1% keputusan investasi dapat dipengaruhi oleh 3 variabel tersebut, sedangkan 42,9% ketergantungan yang mempengaruhinya dari variabel lain di luar penelitian ini.

Keywords

Literasi Keuangan, Perilaku Keuangan, Pendapatan, Keputusan Investasi

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DOI: http://dx.doi.org/10.21043/bisnis.v13i1.31493