Pentingnya Literasi Keuangan Dalam Pengambilan Keputusan Investasi Bagi Generasi Milenial
Abstract
Not a few losses that occur due to errors in the selection of assets or investment projects by a company or individual with the original intention of obtaining profitable results in the future but in reality experiencing losses due to a lack of understanding of financial literacy. The sample in this study used millennial generation S2 Accounting students at Widyatama University graduate school as respondents. Data obtained through questionnaires and interviews with data analysis using simple linear regression. The results showed that there was an influence of financial literacy on investment decision making for the millennial generation. Based on the results of descriptive analysis, it is known that in making investment decisions it is less supported by mastery of technical analysis in making investment decisions, one of the factors causing this is because financial literacy lacks understanding of financial management including basic concepts and financial products.
Keywords: Financial Literacy, Investment Decision Making, Millennial Generation
References
Arianti. B. F. (2021). Literasi Keuangan (Teori dan Implementasinya) (W. Kurniawan (ed.); 1st ed.). CV. Pena Persada. penapersada.com
Astuti, D. (2023). Keputusan Investasi di kalangan Mahasiswa dan Faktor-Faktornya. Deepublish.
Azizah, N. S. (2020). Pengaruh Literasi Keuangan, Gaya Hidup Pada Perilaku Keuangan Pada Generasi Milenial. Prisma Platf. Ris. Mhs. Akunt, 1(2), 92–101.
Chaterine, R. N. (2022). Deretan Kasus Investasi Bodong yang Seret Nama Artis dan “Influencer” Sepanjang 2022. Kompascom. https://nasional.kompas.com/read/2022/11/07/09105831/deretan-kasus-investasi-bodong-yang-seret-nama-artis-dan-influencer.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7, 107–128. https://api.semanticscholar.org/CorpusID:153800917
Hailwood, D. (2007). Financial Literacy and its Role in Promoting a Sound Financial System. Reserve Bank of New Zealand, 70(2).
Harjito, M. dan A. (2010). Manajemen Keuangan. EKONISIA.
HC, R. K., & Gusaptono, R. H. (2021). Pengenalan Literasi Keuangan Untuk Mengembangkan UMKM. http://eprints.upnyk.ac.id/26922/%0Ahttp://eprints.upnyk.ac.id/26922/1/BUKU ber-ISBN 2. Literasi Keuangan.pdf
Hermiyanty, Wandira Ayu Bertin, D. S. (2017). Analisis Tingkat Literasi Keuangan Mahasiswa. Journal of Chemical Information and Modeling, 8(9), 1–58.
K. Hendarto, N. Anastasia, and S. R. B. (2021). The Effect of Financial Literacy, Financial Risk Tolerance, and Financial Socialization Agents on Stock Investment Decision in The Millennial Generation. Petra Int. J. Bus. Stud, 4(1), 11–22, Jun. 2021. https://doi.org/10.9744/ijbs.4.1.11-22.
Kustodian Sentral Efek Indonesia. (2022). Didominasi Milenial dan Gen Z, Jumlah Investor Saham Tembus 4 Juta. Kustodian Sentral Efek Indonesia, 1. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Jumlah-Investor-Ritel-Pasar-Modal-Terus-Meningkat.aspx
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
Margaretha, Farah dan Pambudhi, R. (2015). Tingkat Literasi Keuangan pada mahasiswa S1 Fakultas Ekonomi. JMK, 17(1), 76–85.
Nappisah. (2023). Sudah Diketok MA, Nasib Ribuan Korban Investasi Cipaganti Masih Terombang-Ambing. TribunJabar.Id, 2.
Nidar, S.R. & Bestari, S. (2012). Personal Financial Literacy Among University Students (Case Study at Padjadjaran University Students, Bandung, Indonesia). World Journal of Social Sciences, 2 (4).
Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
Novi Yushita Amanita. (2017). Pentinya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal :Barometer Riset Akuntansi Dan Manajemen, VI, 15.
Purnamasari, L., Kurniawati, S. L., & Silvi, M. (2009). Interdependensi antara Keputusan investasi, Keputusan Pendanaan dan Keputusan Deviden. KEUANGAN 106 JURNAL KEUANGAN DAN PERBANKAN Vol. 13, No. 1, Januari 2009: 106 ñ 119, 13(1), 106–119.
R. A. Normawati, S. M. Rahayu, and S. W. (2021). Financial Knowledge, Digital Financial Knowledge, Financial Attitude, Financial Behaviour and Financial Satisfaction on Millennials. ICLSSEE. https://doi.org/10.4108/eai.6-3-2021.2305967
Rangkuti, F. (2000). Business Plan (Teknik Membuat Perencanaan Bisnis & Analisis Kasus). Gramedia Pustaka Utama.
Salim, J. (2010). 30 Strategi Cerdas Investasi Saham Paling Menguntungkan. Elex Media Komputindo.
Sekaran, Uma, & B. R. (2009). Research methods for business: A skill building approach (15th ed.). Chichester: John Wiley & Sons.
Soetiono, K, S., Setiawan, C. (2018). Literasi dan Inklusi Keuangan Indonesia. Rajagrafindo Persada.
Stephen A. Ross, Randolph W. Westerfield, and B. D. J. (2003). Fundamentals of Corporate Finance Sixth Edition. McGraw−Hill Primis, 44(8), 1689–1699.
Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Sunyoto, D. (2016). Metodologi Penelitian Akuntansi. PT Refika Aditama.
Wilson., C. L. J. M. and R. M. S. (2000). Conceptualising Financial Literacy. In Business School Research Series (Vol. 7).
Zvi Bodie, Alex Kane, A. J. M. (2018). Investments : Investasi. Salemba Empat.
Astuti, D. (2023). Keputusan Investasi di kalangan Mahasiswa dan Faktor-Faktornya. Deepublish.
Azizah, N. S. (2020). Pengaruh Literasi Keuangan, Gaya Hidup Pada Perilaku Keuangan Pada Generasi Milenial. Prisma Platf. Ris. Mhs. Akunt, 1(2), 92–101.
Chaterine, R. N. (2022). Deretan Kasus Investasi Bodong yang Seret Nama Artis dan “Influencer” Sepanjang 2022. Kompascom. https://nasional.kompas.com/read/2022/11/07/09105831/deretan-kasus-investasi-bodong-yang-seret-nama-artis-dan-influencer.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7, 107–128. https://api.semanticscholar.org/CorpusID:153800917
Hailwood, D. (2007). Financial Literacy and its Role in Promoting a Sound Financial System. Reserve Bank of New Zealand, 70(2).
Harjito, M. dan A. (2010). Manajemen Keuangan. EKONISIA.
HC, R. K., & Gusaptono, R. H. (2021). Pengenalan Literasi Keuangan Untuk Mengembangkan UMKM. http://eprints.upnyk.ac.id/26922/%0Ahttp://eprints.upnyk.ac.id/26922/1/BUKU ber-ISBN 2. Literasi Keuangan.pdf
Hermiyanty, Wandira Ayu Bertin, D. S. (2017). Analisis Tingkat Literasi Keuangan Mahasiswa. Journal of Chemical Information and Modeling, 8(9), 1–58.
K. Hendarto, N. Anastasia, and S. R. B. (2021). The Effect of Financial Literacy, Financial Risk Tolerance, and Financial Socialization Agents on Stock Investment Decision in The Millennial Generation. Petra Int. J. Bus. Stud, 4(1), 11–22, Jun. 2021. https://doi.org/10.9744/ijbs.4.1.11-22.
Kustodian Sentral Efek Indonesia. (2022). Didominasi Milenial dan Gen Z, Jumlah Investor Saham Tembus 4 Juta. Kustodian Sentral Efek Indonesia, 1. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Jumlah-Investor-Ritel-Pasar-Modal-Terus-Meningkat.aspx
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
Margaretha, Farah dan Pambudhi, R. (2015). Tingkat Literasi Keuangan pada mahasiswa S1 Fakultas Ekonomi. JMK, 17(1), 76–85.
Nappisah. (2023). Sudah Diketok MA, Nasib Ribuan Korban Investasi Cipaganti Masih Terombang-Ambing. TribunJabar.Id, 2.
Nidar, S.R. & Bestari, S. (2012). Personal Financial Literacy Among University Students (Case Study at Padjadjaran University Students, Bandung, Indonesia). World Journal of Social Sciences, 2 (4).
Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
Novi Yushita Amanita. (2017). Pentinya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal :Barometer Riset Akuntansi Dan Manajemen, VI, 15.
Purnamasari, L., Kurniawati, S. L., & Silvi, M. (2009). Interdependensi antara Keputusan investasi, Keputusan Pendanaan dan Keputusan Deviden. KEUANGAN 106 JURNAL KEUANGAN DAN PERBANKAN Vol. 13, No. 1, Januari 2009: 106 ñ 119, 13(1), 106–119.
R. A. Normawati, S. M. Rahayu, and S. W. (2021). Financial Knowledge, Digital Financial Knowledge, Financial Attitude, Financial Behaviour and Financial Satisfaction on Millennials. ICLSSEE. https://doi.org/10.4108/eai.6-3-2021.2305967
Rangkuti, F. (2000). Business Plan (Teknik Membuat Perencanaan Bisnis & Analisis Kasus). Gramedia Pustaka Utama.
Salim, J. (2010). 30 Strategi Cerdas Investasi Saham Paling Menguntungkan. Elex Media Komputindo.
Sekaran, Uma, & B. R. (2009). Research methods for business: A skill building approach (15th ed.). Chichester: John Wiley & Sons.
Soetiono, K, S., Setiawan, C. (2018). Literasi dan Inklusi Keuangan Indonesia. Rajagrafindo Persada.
Stephen A. Ross, Randolph W. Westerfield, and B. D. J. (2003). Fundamentals of Corporate Finance Sixth Edition. McGraw−Hill Primis, 44(8), 1689–1699.
Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Sunyoto, D. (2016). Metodologi Penelitian Akuntansi. PT Refika Aditama.
Wilson., C. L. J. M. and R. M. S. (2000). Conceptualising Financial Literacy. In Business School Research Series (Vol. 7).
Zvi Bodie, Alex Kane, A. J. M. (2018). Investments : Investasi. Salemba Empat.
Published
2023-10-30
Section
Articles
