MAHASISWA DAN PEKERJA DI DUNIA CRYPTO : APAKAH STATUS PEKERJAAN MEMENGARUHI INDIVIDU DALAM PENGAMBILAN KEPUTUSAN INVESTASI?
Abstract
Pesatnya pertumbuhan investasi mata uang crypto telah meningkatkan kebutuhan investor untuk mengambil keputusan investasi yang tepat di tengah tingginya tingkat risiko dan volatilitas pasar. Dalam konteks ini, faktor demografis, khususnya status pekerjaan, dianggap sebagai variabel penting yang memengaruhi cara individu mengevaluasi informasi dan mengelola ketidakpastian saat berinvestasi di aset crypto. Penelitian ini bertujuan untuk menganalisis pengaruh status pekerjaan terhadap pengambilan keputusan investasi mata uang crypto antara kelompok mahasiswa dan pekerja. Penelitian ini menggunakan pendekatan kuantitatif dengan desain penelitian komparatif. Sampel terdiri dari 176 investor mata uang crypto yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner daring berdasarkan skala Investment Decision Making (IDM) yang telah dimodifikasi, yang mengukur kecenderungan individu dalam mengevaluasi risiko, memproses informasi, dan menentukan statistik deskriptif, uji validitas dan reliabilitas, serta analisis regresi. Hasil penelitian menunjukkan bahwa status pekerjaan memiliki pengaruh signifikan terhadap pengambil keputusan investasi mata uang crypto (p < 0,05). Mahasiswa cenderung mengambil keputusan investasi secara lebih cepat dan intuitif, serta seringkali mengandalkan penilaian risiko yang cermat serta proses evaluasi yang lebih lama. Temuan ini menunjukkan bahwa status pekerjaan memainkan peran penting dalam membentuk perilaku pengambilan keputusan investasi individu di pasar mata uang crypto yang dinamis.
References
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Madaan, G., & Singh, S. (2019). An analysis of behavioral biases in investment decision-making. International Journal of Financial Research, 10(4), 55-67.
Mulyono, S., Sawir, M., Surahman, B., Hendrawati, E., & Nurhidayati, N. (2023). Peningkatan keputusan berinvestasi melalui literasi keuangan pada generasi Z sebagai upaya persiapan resesi 2023. Jurnal Akuntansi dan Pajak, 23(2):1-5.
Nitha, D. A. F., & Westra, I. K. (2020). Investasi cryptocurrency berdasarkan peraturan Bappebti No. 5 Tahun 2019. Jurnal Magister Hukum Udayana, 9(4):712.
Nurbarani, B.S., & Soepriyanto, G. (2022). Determinants of investment decision in cryptocurrency: Evidence from Indonesian investors. Universal Journal of Accounting and Finance, 10(1), 254-266.
Obamuyi, T. M. (2013). Factors influencing investment decision in capital market: a study of individual investors in Nigeria. Organizations and Markets in Emerging Economies, 4(1), 141-161.
Özyesil, M., & Tembelo, H. (2023). Developing a cryptocurrency investment trust scale: An application on Istanbul provincial health directorate employees. Journal of Emerging Economies and Policy, 8(1), 122-128.
Parashar, N., & Rasiwala, F. (2018). A study on investor’s awareness and perception regarding investment in cryptocurrency with special reference to bitcoin. International Journal of Scientific and Research Publications, 8(12), 311-319.
Pennycook, G., De Neys, W., Evans, J. S. B. T., Stanovich, K. E., & Thompson, V. A. (2018). The mythical dual-process typology. Trends in Cognitive Sciences, 22(8), 667-668.
Pradnyawati, N. L. P .E. (2022). Analisis keputusan investasi pada generasi millenial di pasar modal saat pandemi Covid-19. Bisma: Jurnal Manajemen, 8(2):428-437.
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Rahyuda, H., & Candradewi, M.R. (2023). Determinants of cryptocurrency investment decisions (Study of students in Bali). Investment Management and Financial Innovations, 20(2), 193-204.
Safitri, M. (2025). Perceptions of financial risk and investment preferences among first time crypto investors. Jurnal Ilmiah Global Education, 6(4), 3125-3134.
Seay, M. C., Preece, G. L., & Le, V. C. (2017). Financial literacy and the use of interest-only mortgages. Journal of Financial Counseling and Planning, 28(2), 168-180.
Senkardes, C. G., & Akadur, O. (2021). A research on the factors affecting cryptocurrency investments within the gender context. Journal of Business Economics and Finance, 10(4), 178-189.
Tandelilin, E. (2017). Pasar modal manajemen portofolio dan investasi. Yogyakarta: PT Kanisius.
Turner, D. P. (2020). Sampling methods in research design. Headache: The Journal of Head and Face Pain, 60(1), 8-12.
Veerasingam, N., & Teoh, A. P. (2022). Modeling cryptocurrency investment decision: Evidence from islamic emerging market. Journal of Islamic Marketing, 14(2).
Welly, Kardinal, & Juwita, R. (2015). Analisis pengaruh literasi keuangan terhadap keputusan investasi di STIE multi data Palembang. STIEMDP, Palembang.
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Zhao, H., & Zhang, L. (2021). Financial literacy or investment experience: Which is more influential in cryptocurrency investment?. International Journal of Bank Marketing, 39, 1208-1226.
Zulkarnaen, W., Amin, N. N. (2018). Pengaruh Strategi Penetapan Harga Terhadap Kepuasan Konsumen. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 2(1), 106-128.
Aisjah, S., & Djazuli, A. (2024). Financial behavior and stock investment decisions: Exploring the role of dual process theory among generation z in east java. ICHSS: International Conference of Humanities and Social Science, 4, 70-81.
Al-Tamimi, H. A. H., & Kalli, A. N. B. (2009). Financial literacy and investment decisions of UAE investors. Journal of Risk Finance, 10(5), 500-516.
Altundal, V., Argan, M.T.., & Argan, M. (2024). The effect of FOMO, uncertainty avoidance and impulsiveness on financial investment decisions of individual investors. Selcuk Business and Management Journal, 27(2), 673-695.
Amin, A. M. (2025). Financial literacy and cryptocurrency investment decision-making: A qualitative study of university students in Makassar. META-JOURNAL: Management, Economics, Trade, & Accounting Journal, 2(5), 221-228.
Anjani, S., & Irwansyah, I. (2020). Peranan influencer dalam mengkomunikasikan pesan di media sosial instagram. Polyglot: Jurnal Ilmiah, 16(2), 203-229.
Aren, S. & Aydemir, S.D. (2015). The factors influencing given investment choices of individuals. Procedia: Social and Behavioral Sciences, 210, 126-135.
Azmat, F., Jain, A., & Michaux, F. (2021). Strengthening impact integrity in investment decision-making for sustainable development. Sustainability Accounting, Management and Policy Journal, 13(1), 55-87.
Bai, R. (2023). Impact of financial literacy, mental budgeting and self control on financial wellbeing: Mediating impact of investment decision making. PLoS ONE, 18(11).
Baker, H. K., Kumar, S., & Goyal, N. (2018). How financial literacy and demographic variables relate to behavioral biases. Managerial Finance, 45(2).
Bappebti. (2024). Nilai Transaksi crypto hingga September 2024 Capai Rp 426 Triliun, Melonjak 300%. URL: https://bappebti.go.id/pojok_media/detail/15655. Diakses pada tanggal 20 Mei 2025.
Brimble, M., Vyvyan, V., & Ng. C. (2013). Belief and investing: Preferences and attitudes of the faithful. Australasian Accounting, Business and Finance Journal, 7(1), 23-41.
Candra, R., Aisah, A., & Nugraha, N. (2024). Systematic literature review on FOMO and investment decisions. Journal of Financial Psychology, 10 (2):98-112.
CoinMarketCap. (2025). Crypto Market Overview. URL: https://coinmarketcap.com/. Diakses pada tanggal 20 Mei 2025.
Corbet, S., Cumming, D. J., Lucey, B. M., Peat, M., & Vigne, S. (2019). Investigating the dynamics between price volatility, price discovery, and criminality in cryptocurrency markets. Price Discovery, and Criminality in Cryptocurrency Markets, 1-20.
Fitra, S. (2021). Uang crypto mulai jadi pilihan investor, mengancam pasar modal?. URL: https://katadata.co.id/indepth/telaah/6087ff2550b39/uang-crypto-mulai-jadi-pilihan-investor-mengancam-pasar-modal. Diakses pada tanggal 22 November 2025
Friederich, F., Meyer, J. H., Matute, J., & Palau-Saumell, R. (2024). Crypto-mania: How fear-of-missing-out drives consumers (risky) investment decisions. Psychology dan Marketing, 41(1):102-117.
Gerrans, P., Abisekaraj, S. B., & Liu, Z. (2023). The fear of missing out on cryptocurrency and stock investments: Direct and indirect effects of financial literacy and risk tolerance. Journal of Financial Literacy and Wellbeing, 1, 103-137.
Haidari, M. N. (2023). Impact of decision-making on investment performance: A comprehensive analysis. Journal of Asian Development Studies, 12(4), 980-990.
Honold, S. E. & Oh, N. (2025). The influence of personality traits and demographic factors on cryptocurrency investment decisions. Personality and Individual Differences, 242,
Huda, N., & Hambali, R. (2020). Risiko dan tingkat keuntungan investasi cryptocurrency. Jurnal Manajemen dan Bisnis: Performa, 17(1):72-84.
Jacobs-Lawson, J. M., & Hershey, D. A. (2005). Influence of future time perspective, financial knowledge, and financial risk tolerance on retirement saving behaviors. Financial Services Review, 14(4), 331-344.
Kiruba, A. S., Bharathi, R., & Madhumithaa, N. (2023). Cryptocurrency investing: Millennial decision making. The Indonesian Capital Market Review, 15(2):86-96.
Kumar, S., & Goyal, N. (2015). Behavioural biases in investment decision making - a systematic literature review. Qualitative Research in Financial Markets, 7(1), 88-108.
Lusardi, A., & Mitchell, S. (2013). The economic importance of financial literacy: Theory and evidence. Forthcoming Journal of Economic Literature, 52(1), 1-61.
Lotto, J. (2020). Towards improving households’ investment choices in Tanzania: Does financial literacy really matter?. International Journal of Financial Studies, 8(2), 29.
Madaan, G., & Singh, S. (2019). An analysis of behavioral biases in investment decision-making. International Journal of Financial Research, 10(4), 55-67.
Mulyono, S., Sawir, M., Surahman, B., Hendrawati, E., & Nurhidayati, N. (2023). Peningkatan keputusan berinvestasi melalui literasi keuangan pada generasi Z sebagai upaya persiapan resesi 2023. Jurnal Akuntansi dan Pajak, 23(2):1-5.
Nitha, D. A. F., & Westra, I. K. (2020). Investasi cryptocurrency berdasarkan peraturan Bappebti No. 5 Tahun 2019. Jurnal Magister Hukum Udayana, 9(4):712.
Nurbarani, B.S., & Soepriyanto, G. (2022). Determinants of investment decision in cryptocurrency: Evidence from Indonesian investors. Universal Journal of Accounting and Finance, 10(1), 254-266.
Obamuyi, T. M. (2013). Factors influencing investment decision in capital market: a study of individual investors in Nigeria. Organizations and Markets in Emerging Economies, 4(1), 141-161.
Özyesil, M., & Tembelo, H. (2023). Developing a cryptocurrency investment trust scale: An application on Istanbul provincial health directorate employees. Journal of Emerging Economies and Policy, 8(1), 122-128.
Parashar, N., & Rasiwala, F. (2018). A study on investor’s awareness and perception regarding investment in cryptocurrency with special reference to bitcoin. International Journal of Scientific and Research Publications, 8(12), 311-319.
Pennycook, G., De Neys, W., Evans, J. S. B. T., Stanovich, K. E., & Thompson, V. A. (2018). The mythical dual-process typology. Trends in Cognitive Sciences, 22(8), 667-668.
Pradnyawati, N. L. P .E. (2022). Analisis keputusan investasi pada generasi millenial di pasar modal saat pandemi Covid-19. Bisma: Jurnal Manajemen, 8(2):428-437.
Putri, W.W., & Hamidi, M. (2019). Pengaruh literasi keuangan, efikasi keuangan, dan faktor demografi terhadap pengambilan keputusan investasi (Studi kasus pada mahasiswa magister manajemen fakultas ekonomi universitas andalas Padang). Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 4(1), 398-412.
Rahman, M., & Gan, S. S. (2020). Generation y investment decision: an analysis using behavioral factors. Managerial Finance, 8(2), 1023-1041.
Rahyuda, H., & Candradewi, M.R. (2023). Determinants of cryptocurrency investment decisions (Study of students in Bali). Investment Management and Financial Innovations, 20(2), 193-204.
Safitri, M. (2025). Perceptions of financial risk and investment preferences among first time crypto investors. Jurnal Ilmiah Global Education, 6(4), 3125-3134.
Seay, M. C., Preece, G. L., & Le, V. C. (2017). Financial literacy and the use of interest-only mortgages. Journal of Financial Counseling and Planning, 28(2), 168-180.
Senkardes, C. G., & Akadur, O. (2021). A research on the factors affecting cryptocurrency investments within the gender context. Journal of Business Economics and Finance, 10(4), 178-189.
Tandelilin, E. (2017). Pasar modal manajemen portofolio dan investasi. Yogyakarta: PT Kanisius.
Turner, D. P. (2020). Sampling methods in research design. Headache: The Journal of Head and Face Pain, 60(1), 8-12.
Veerasingam, N., & Teoh, A. P. (2022). Modeling cryptocurrency investment decision: Evidence from islamic emerging market. Journal of Islamic Marketing, 14(2).
Welly, Kardinal, & Juwita, R. (2015). Analisis pengaruh literasi keuangan terhadap keputusan investasi di STIE multi data Palembang. STIEMDP, Palembang.
Yunianto, F. (2024). Indodax: transaksi crypto naik cerminkan minat masyarakat tinggi. URL: https://www.antaranews.com/berita/4298915/indodax-transaksi-kripto-naik-cerminkan-minat-masyarakat-makin-tinggi. Diakses pada tanggal 22 November 2025.
Zhao, H., & Zhang, L. (2021). Financial literacy or investment experience: Which is more influential in cryptocurrency investment?. International Journal of Bank Marketing, 39, 1208-1226.
Zulkarnaen, W., Amin, N. N. (2018). Pengaruh Strategi Penetapan Harga Terhadap Kepuasan Konsumen. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 2(1), 106-128.
Published
2026-04-12
How to Cite
Faridah, A., & Ulya, L. (2026). MAHASISWA DAN PEKERJA DI DUNIA CRYPTO : APAKAH STATUS PEKERJAAN MEMENGARUHI INDIVIDU DALAM PENGAMBILAN KEPUTUSAN INVESTASI?. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 10(1), 2481-2493. https://doi.org/10.31955/mea.v10i1.7378
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