Artikel Ilmiah : C1H021043 a.n. LINDA WIDYASARI
| NIM | C1H021043 |
|---|---|
| Namamhs | LINDA WIDYASARI |
| Judul Artikel | ANALYSIS THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL BEHAVIOR BIAS ON INVESTMENT DECISION MAKING WITH RISK PERCEPTION AS A MEDIATING VARIABLE |
| 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. |
| Kata kunci | financial literacy, financial behavior bias, risk perception, investment decision making, government employees. |
| Pembimbing 1 | Dr. E. Rio Dhani Laksana, S. E, M. Sc |
| Pembimbing 2 | Fitri Amalinda Harahap S. E., M. M |
| Pembimbing 3 | |
| Tahun | 2024 |
| Jumlah Halaman | 103 |
| Tgl. Entri | 2025-02-27 11:22:28.538403 |