Pengaruh Financial Attitude dan Financial Risk Tolerance Terhadap Investment Intention: Peran Financial Literacy Sebagai Mediasi
DOI:
https://doi.org/10.62710/tw8x9z56Keywords:
Investasi Saham, Niat Investasi, Literasi Keuangan, Sikap Keuangan, Toleransi Risiko KeuanganAbstract
Penelitian ini membahas mengenai niat investasi dengan tujuan memberikan ilmu dan wawasan baru mengenai niat investasi saham yang dipengaruhi oleh sikap keuangan dan toleransi risiko keuangan dengan peran literasi keuangan sebagai variabel mediasi dengan fokus studi pada kalangan Gen Z di wilayah Jabodetabek. Penelitian ini menggunakan pendekatan kuantitatif dengan desain penelitian yakni deskriptif kausalitas dan menggunakan data primer yang diperoleh melalui survei berbasis kuesioner secara online dengan googleform, responden merupakan subjek penelitian yang diambil sampel dengan metode purposive sampling berjumlah 240 orang. Model penelitian yang digunakan adalah SEM-PLS sehingga analisis data dilakukan dengan SmartPLS 4.0. Hasil penelitian yang diperoleh adalah (1) sikap keuangan berpengaruh secara langsung terhadap niat investasi; (2) toleransi risiko keuangan berpengaruh secara langsung terhadap niat investasi; (3) literasi keuangan berpengaruh secara langsung terhadap niat invetasi; (4) sikap keuangan berpengaruh secara langsung terhadap literasi keuangan; (5) toleransi risiko keuangan berpengaruh secara langsung terhadap literasi keuangan; (6) sikap keuangan berpengaruh secara tidak langsung terhadap niat investasi melalui literasi keuangan; (7) toleransi risiko keuangan berpengaruh secara tidak langsung terhadap niat investasi melalui literasi keuangan.
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