Pengaruh Literasi Keuangan, Literasi Ekonomi, dan Financial Self-Efficacy terhadap Keputusan Investasi Digital melalui Perilaku Keuangan sebagai Variabel Intervening (Studi pada Pekerja Freelance Generasi Z di Jawa Timur)
DOI:
https://doi.org/10.38035/jmpis.v7i1.6917Keywords:
Literasi Keuangan, Literasi Ekonomi, Financial Self-Efficacy, Perilaku Keuangan, Keputusan Investasi DigitalAbstract
Penelitian ini menganalisis pengaruh literasi keuangan, literasi ekonomi, dan financial self-efficacy terhadap keputusan investasi digital dengan perilaku keuangan sebagai variabel mediasi pada pekerja freelance Generasi Z di Jawa Timur. Pendekatan penelitian yang digunakan adalah kuantitatif dengan metode explanatory research. Analisis data dilakukan menggunakan teknik Partial Least Squares–Structural Equation Modeling (PLS-SEM). Sampel penelitian berjumlah 385 responden yang merupakan pekerja lepas berusia 20–28 tahun, dipilih menggunakan teknik purposive sampling. Hasil analisis menunjukkan bahwa perilaku keuangan berpengaruh positif dan signifikan terhadap keputusan investasi digital. Selain itu, financial self-efficacy dan literasi ekonomi juga memberikan pengaruh positif dan signifikan terhadap keputusan investasi digital. Sementara itu, literasi keuangan tidak berpengaruh langsung, tetapi memberikan pengaruh tidak langsung melalui perilaku keuangan. Temuan ini mengindikasikan bahwa literasi keuangan membentuk perilaku keuangan yang lebih baik, sehingga meningkatkan kemampuan individu dalam mengambil keputusan investasi digital. Implikasi hasil penelitian ini menegaskan perlunya peningkatan pendidikan keuangan serta keterampilan pengelolaan keuangan digital untuk mendorong perilaku investasi.
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