Literasi Keuangan, Perbedaan Demografi, dan Keputusan Investasi Aset Berisiko Rendah
Abstract
The study examined the effect of financial literacy on low-risk asset investments by comparing individuals into several demographic aspects— gender, age, income level, marital status, and education level. Sampling using probability sampling with the number of respondents, as many as 110 customers from a non-bank financial company. The results showed that financial literacy influences investment decisions on low-risk assets. The effect of financial literacy on low-risk asset investment decisions was tested in two demographic sample groups. The results showed that the influence of financial literacy on low-risk asset investment decisions was stronger in the individual female group, the low-income individual group, and the married individual group. Stronger financial literacy of low-risk asset investment decisions failed to be found in groups of poorly educated individuals and elderly individuals.
Abstrak
Penelitian ini menguji pengaruh literasi keuangan terhadap investasi aset berisiko rendah dengan membandingkan individu ke dalam beberapa aspek demografi yaitu jenis kelamin, usia, tingkat pendapatan, status perkawinan, dan tingkat pendidikan. Pengambilan sampel menggunakan teknik probability sampling dengan jumlah responden sebanyak 110 orang nasabah tabungan emas dari sebuah perusahaan keuangan non bank. Hasil Penelitian menunjukkan bahwa literasi keuangan berpengaruh terhadap keputusan investasi aset berisiko rendah. Pengaruh literasi keuangan terhadap keputusan investasi aset berisiko rendah diuji pada dua kelompok sampel demografi. Hasil penelitian menunjukkan bahwa pengaruh literasi keuangan terhadap keputusan investasi aset berisiko rendah lebih kuat pada kelompok individu berjenis kelamin perempuan, kelompok individu berpendapatan rendah, dan kelompok individu yang sudah menikah. Pengaruh literasi keuangan yang lebih kuat terhadap keputusan investasi aset berisiko rendah gagal ditemukan pada kelompok individu berpendidikan rendah dan kelompok individu berusia tua.
Kata kunci: Literasi Keuangan, Perbedaan Demografi, dan Keputusan Investasi.
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