Determinan Keputusan Investasi Saham Melalui Literasi Keuangan dan Persepsi Resiko
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Institusion
Universitas Sumatera Utara
Author
Astuti, Desi
Subject
Financial Education
Datestamp
2018-12-27 03:42:39
Abstract :
Investment plays an important role in moving the economic growth and the absorption of labor for Indonesia. The population increased but not an indication of the growing number of investors in Indonesia on the contrary the number of investors declined. The limited time and knowledge, the absence of clear and transparent information from the government and capital market participants, the lack of promotion of the company stock, the risk is considered threatening and endangering the public finance and capital markets are still considered less beneficial than regular savings. Indonesia Stock Exchange with the stock trading holding company investment build a gallery to provide financial education, promoting their products / services so that the capital market investment will encourage students to become an investor. Students are considered as potential investors who will be able to build a positive climate for investment in the Indonesian market. Students are considered as potential investors who will be able to build a positive climate for investment in the Indonesian market. The aim of research to analyze the relationship between financial education, and the promotion of socio-economic status of the student investment decisions through increased financial literacy and students' perceptions of the risk capital market investment. The population of this study were students enrolled as an investor in university investment gallery. Samples taken as many as 384 respondents taken by random sampling technique. Data were collected by questionnaire and data analysis method used is Structural Equation Modeling (SEM) using AMOS. The results obtained are: (1) Financial education has a negative significant effects on the financial literacy. Promotion has a positif significant effect on financial literacy and socioeconomic status has a positif significant effect on financial literacy. (2)Financial education has a negative insignificant effect on the perception of risk. Promotion has a positive significant effect on the perception of risk and socioeconomic status has a positif significant effect on the perception of risk. (3) Financial Literacy has a positive significant effect on the perception of risk and investment decisions of students. Student perceptions of risk also positive significantly influence the investment decisions are taken by students as an investor.(4) Financial education has a positive significant impact on investment decisions, promotions has a negative insignificant effect on investment decisions, socioeconomic status has a negative insignificant effect on investment decisions. (5) Financial literacy and student perceptions of the risks of investment serves as an intervening variable that mediates the relationship between the promotion of economic and social status of students to the investment decision taken by the student.
Investment plays an important role in moving the economic growth and the absorption of labor for Indonesia. The population increased but not an indication of the growing number of investors in Indonesia on the contrary the number of investors declined. The limited time and knowledge, the absence of clear and transparent information from the government and capital market participants, the lack of promotion of the company stock, the risk is considered threatening and endangering the public finance and capital markets are still considered less beneficial than regular savings. Indonesia Stock Exchange with the stock trading holding company investment build a gallery to provide financial education, promoting their products / services so that the capital market investment will encourage students to become an investor. Students are considered as potential investors who will be able to build a positive climate for investment in the Indonesian market. Students are considered as potential investors who will be able to build a positive climate for investment in the Indonesian market. The aim of research to analyze the relationship between financial education, and the promotion of socio-economic status of the student investment decisions through increased financial literacy and students' perceptions of the risk capital market investment. The population of this study were students enrolled as an investor in university investment gallery. Samples taken as many as 384 respondents taken by random sampling technique. Data were collected by questionnaire and data analysis method used is Structural Equation Modeling (SEM) using AMOS. The results obtained are: (1) Financial education has a negative significant effects on the financial literacy. Promotion has a positif significant effect on financial literacy and socioeconomic status has a positif significant effect on financial literacy. (2)Financial education has a negative insignificant effect on the perception of risk. Promotion has a positive significant effect on the perception of risk and socioeconomic status has a positif significant effect on the perception of risk. (3) Financial Literacy has a positive significant effect on the perception of risk and investment decisions of students. Student perceptions of risk also positive significantly influence the investment decisions are taken by students as an investor.(4) Financial education has a positive significant impact on investment decisions, promotions has a negative insignificant effect on investment decisions, socioeconomic status has a negative insignificant effect on investment decisions. (5) Financial literacy and student perceptions of the risks of investment serves as an intervening variable that mediates the relationship between the promotion of economic and social status of students to the investment decision taken by the student.
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