Integrasi Optimisme Finansial, Kontrol Diri, dan Persepsi Risiko dalam Menjelaskan Keputusan Investasi melalui Literasi Keuangan
DOI:
https://doi.org/10.59837/jpnmb.v1i12.410Keywords:
keputusan investasi, optimisme financial, kontrol diri, persepsi resiko, literasi keuangan, remajaAbstract
Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi keputusan investasi remaja di Kabupaten Sragen, dengan fokus pada variabel optimisme finansial, kontrol diri, persepsi risiko, dan literasi keuangan. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei yang melibatkan 290 responden remaja di Kabupaten Sragen. Data dikumpulkan melalui kuesioner yang diukur dengan skala Likert 1–5. Hasil penelitian menunjukkan bahwa optimisme finansial memiliki pengaruh signifikan terhadap keputusan investasi, dengan remaja yang optimis lebih cenderung untuk berinvestasi. Selain itu, kontrol diri juga berpengaruh signifikan, menunjukkan bahwa remaja yang memiliki kontrol diri yang lebih baik dapat membuat keputusan investasi yang lebih rasional. Sebaliknya, persepsi risiko dan literasi keuangan terbukti tidak memiliki pengaruh signifikan terhadap keputusan investasi, meskipun literasi keuangan menunjukkan kecenderungan penting yang perlu ditingkatkan. Penelitian ini menyimpulkan bahwa peningkatan edukasi literasi keuangan, pengelolaan optimisme finansial yang realistis, dan penguatan kontrol diri dapat membantu remaja dalam mengambil keputusan investasi yang lebih baik dan bertanggung jawab.
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