PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN DAN MODAL MINIMAL TERHADAP MINAT INVESTASI GENERASI Z INDONESIA DI PASAR MODAL

Theo Filia Agata; Ridwan Nurazi

doi:10.31955/mea.v8i2.4243

Theo Filia Agata Universitas Bengkulu
Ridwan Nurazi Universitas Bengkulu

DOI: https://doi.org/10.31955/mea.v8i2.4243

Abstract

Penelitian ini bertujuan untuk menentukan pengaruh literasi keuangan, inklusi keuangan, dan modal minimal terhadap minat investasi generasi Z Indonesia di pasar modal. Penelitian ini bersifat kuantitatif dengan menggunakan survey dengan 262 responden yang valid, Model Persamaan Struktural (SEM) dalam SmartPLS 4.0 digunakan untuk analisis. Studi ini mengungkapkan bahwa: 1) variabel Literasi keuangan memiliki pengaruh positif signifikan terhadap minat investasi dengan koefisien sebesar 0.179, T-statistik 3.000, dan nilai p sebesar 0.003. 2) Variabel Inklusi keuangan memiliki pengaruh positif signifikan terhadap minat investasi dengan koefisien sebesar 0.278, T-statistik 4.974, dan nilai p sebesar 0.000. 3) variabel Modal minimal memiliki pengaruh paling besar dan signifikan terhadap minat investasi dengan koefisien sebesar 0.501, T-statistik 7.112, dan nilai p sebesar 0.000. Temuan ini mengindikasikan bahwa ketiga variabel tersebut secara positif mempengaruhi minat investasi di kalangan generasi Z, dengan modal minimal sebagai faktor yang paling dominan. Selanjutnya Hasil uji F Penelitian ini memberikan pemahaman yang lebih baik tentang faktor-faktor yang memengaruhi minat investasi generasi Z. Dengan pemahaman ini, pemerintah, lembaga keuangan, dan pendidikan dapat merancang program-program yang lebih efektif untuk meningkatkan literasi keuangan dan inklusi keuangan, serta mengurangi batasan modal minimal untuk investasi. Hal ini bisa mendorong peningkatan investasi dari generasi Z, yang pada gilirannya dapat memberikan dorongan signifikan bagi pertumbuhan ekonomi negara.

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