| NIM | C1G020013 |
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| Namamhs | ALIF MUBAROKAH |
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| Judul Artikel | ANALYSIS OF FINANCIAL LITERACY AND DEMOGRAPHIC FACTORS ON THE INVESTMENT DECISIONS OF GENERATION Z AND MILLENNIALS IN CIREBON REGENCY |
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| Abstrak (Bhs. Indonesia) | Penelitian ini menganalisis pengaruh literasi keuangan dan faktor demografis terhadap keputusan investasi Generasi Z dan Milenial pada komunitas trader dan investor di Kabupaten Cirebon. Penelitian ini didasari oleh tingginya realisasi investasi daerah (Rp4,02 triliun) yang belum diimbangi kesiapan sumber daya, terlihat dari rata-rata lama sekolah yang berada di bawah standar provinsi dan nasional, serta kesenjangan antara indeks inklusi keuangan (80,51%) dan literasi keuangan (66,46%) menurut SNLIK OJK & BPS (2025). Literasi keuangan (financial knowledge, behavior, dan attitude) serta faktor demografis (usia, pendidikan, dan pendapatan) diposisikan sebagai variabel independen, dengan keputusan investasi sebagai variabel dependen. Melalui purposive sampling, diperoleh 155 responden dari komunitas trader dan investor Generasi Z dan Milenial di Kabupaten Cirebon. Data kuesioner skala Likert ditransformasi ke skala interval melalui Method of Successive Interval (MSI), kemudian dianalisis menggunakan regresi linier berganda SPSS 27. Hasil penelitian menunjukkan bahwa financial knowledge, financial attitude, dan income berpengaruh positif dan signifikan terhadap keputusan investasi, sedangkan financial behavior, usia, dan tingkat pendidikan tidak berpengaruh signifikan. Income menjadi variabel paling dominan, diikuti financial attitude dan financial knowledge. Secara simultan, seluruh variabel berpengaruh signifikan dengan kontribusi model sebesar 73,4%.
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| Abtrak (Bhs. Inggris) | This study analyzes the influence of financial literacy and demographic factors on the investment decisions of Generation Z and Millennials within the trader and investor community in Cirebon Regency. The study is motivated by the high level of regional investment realization (Rp4.02 trillion), which has not been matched by adequate human resource readiness, as reflected in the region's average years of schooling falling below the provincial and national averages, alongside a gap between the financial inclusion index (80.51%) and financial literacy index (66.46%) reported by OJK and BPS's SNLIK (2025). Financial literacy (financial knowledge, behavior, and attitude) and demographic factors (age, education, and income) were positioned as independent variables, with investment decisions as the dependent variable. Through purposive sampling, 155 respondents were obtained from the Generation Z and Millennial trader and investor community in Cirebon Regency. Likert-scale questionnaire data were transformed into an interval scale using the Method of Successive Interval (MSI) and analyzed using multiple linear regression in SPSS 27. The results show that financial knowledge, financial attitude, and income have a positive and significant effect on investment decisions, whereas financial behavior, age, and education level do not. Income is the most dominant variable, followed by financial attitude and financial knowledge. Simultaneously, all variables have a significant effect, with the model explaining 73.4% of the variance in investment decisions. |
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| Kata kunci | Literasi Keuangan, Pengetahuan Keuangan, Perilaku Keuangan, Sikap Keuangan, Faktor Demografi, Keputusan Investasi |
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| Pembimbing 1 | Dr. Kikin Windhani, SE,M.Ec.Dev. |
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| Pembimbing 2 | Dr. Diah Setyorini Gunawan, G,SE,M.Si. |
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| Pembimbing 3 | Dr. Barokatuminalloh, SE, MSc. |
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| Tahun | 2026 |
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| Jumlah Halaman | 151 |
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| Tgl. Entri | 2026-08-26 12:00:03.126406 |
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