Pengaruh Literasi Keuangan, Faktor Psikologis, Faktor Sosial Budaya Terhadap Minat Investasi Generasi Z (Studi di Universitas 17 Agustus 1945 Surabaya

Muhammad Riza, Mahmud Habiburrahman (2026) Pengaruh Literasi Keuangan, Faktor Psikologis, Faktor Sosial Budaya Terhadap Minat Investasi Generasi Z (Studi di Universitas 17 Agustus 1945 Surabaya. Undergraduate thesis, Universitas 17 Agustus 1945 Surabaya.

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Abstract

Penelitian ini mengkaji pengaruh literasi keuangan, faktor psikologis, dan faktor sosial budaya terhadap minat investasi mahasiswa Generasi Z di Universitas 17 Agustus 1945 Surabaya. Penelitian ini dilatarbelakangi oleh masih rendahnya partisipasi investor muda pada instrumen keuangan formal, meskipun mereka memiliki akses tinggi terhadap teknologi digital dan berbagai platform investasi. Penelitian ini menggunakan desain kuantitatif asosiatif dengan sampel sebanyak 101 mahasiswa aktif yang termasuk Generasi Z, yang dipilih dengan teknik random sampling. Data dikumpulkan melalui kuesioner tertutup dengan skala Likert 5 poin dan dianalisis menggunakan SPSS 26 melalui statistik deskriptif dan regresi linier berganda. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap minat investasi mahasiswa. Faktor sosial budaya, seperti pengaruh keluarga, teman sebaya, komunitas, serta paparan konten investasi di media sosial, juga berpengaruh positif dan signifikan terhadap minat investasi. Sebaliknya,faktor psikologis, termasuk persepsi risiko dan overconfidence, berpengaruh positif tetapi tidak signifikan secara statistik. Secara bersama-sama, literasi keuangan, faktor psikologis, dan faktor sosial budaya mampu menjelaskan 66,9% variasi minat investasi, sedangkan 33,1% sisanya dipengaruhi oleh variabel lain di luar model.Temuan ini menegaskan pentingnya penguatan literasi keuangan dan lingkungan sosial budaya yang mendukung untuk meningkatkan partisipasi investasi formal di kalangan Generasi Z.

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