Update Artikelilmiah: 47787

LINDA WIDYASARI

NIM

Judul Artikel

Abstrak (Bhs. Indonesia)

Penelitian ini menganalisis pengaruh literasi keuangan dan bias perilaku
keuangan terhadap pengambilan keputusan investasi dengan persepsi risiko sebagai
variabel mediasi. Data diperoleh dari 122 responden, yaitu pegawai unit BPSDM
Kementerian Desa, Pembangunan Daerah Tertinggal, dan Transmigrasi. Metode
penelitian menggunakan pendekatan kuantitatif dengan pengumpulan data melalui
kuesioner. Hasil penelitian menunjukkan bahwa literasi keuangan dan bias perilaku
keuangan memiliki pengaruh positif signifikan terhadap pengambilan keputusan
investasi. Selain itu, persepsi risiko ditemukan memediasi hubungan antara literasi
keuangan dan pengambilan keputusan investasi, serta antara bias perilaku keuangan
dan pengambilan keputusan investasi. Penelitian ini memberikan implikasi teoretis
dan praktis dalam memahami dinamika pengambilan keputusan investasi,
khususnya di lingkungan organisasi pemerintah. Namun, penelitian ini memiliki
keterbatasan pada generalisasi hasil dan pendekatan cross-sectional, sehingga
diperlukan penelitian lanjutan dengan cakupan yang lebih luas.

Abtrak (Bhs. Inggris)

This study analyzes the effect of financial literacy and financial behavioral
biases on investment decision making with risk perception as a mediating variable.
Data were obtained from 122 respondents, namely employees of the BPSDM unit
of the Ministry of Villages, Development of Disadvantaged Regions, and
Transmigration. The research method uses a quantitative approach with data
collection through questionnaires. The results showed that financial literacy and
financial behavior bias have a significant positive influence on investment decision
making. In addition, risk perception was found to mediate the relationship between
financial literacy and investment decision making, as well as between financial
behavioral biases and investment decision making. This study provides theoretical
and practical implications in understanding the dynamics of investment decision
making, especially in government organizations. However, this study has
limitations on the generalizability of the results and the cross-sectional approach,
so further research with a broader scope is needed.

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