BIAS PERILAKU KEUANGAN PADA KEPUTUSAN INVESTASI GENERASI MILENIAL

    RITA SATRIA, - and Nugraha, - and Disman, - and Imas Purnamasari, - (2025) BIAS PERILAKU KEUANGAN PADA KEPUTUSAN INVESTASI GENERASI MILENIAL. S3 thesis, Universitas Pendidikan Indonesia.

    Abstract

    Penelitian ini bertujuan untuk mengetahui gambaran bias perilaku dan keputusan investasi berlandaskan aspek gender, pendidikan, penghasilan dan untuk mengetahui Efek moderasi terhadap bias perilaku dalam keputusan investasi di Universitas Pamulang. Penelitian ini termasuk ke dalam jenis penelitian cfross sectional karena dilakukan dalam kurun waktu kurang dari satu tahun dan dikukmpulkan hanya satu kali dalam kurun waktu tertentu. Metode yang digunakan ialah metode survey beserta teknik deskriptif dan verifikatif. Populasi yang digunakan ialah 102.000 responden menggunakan teknik slovin, sampel yang didapatkan sebanyak sebanyak 886 responden. Hasil penelitian dapat disimpulkan bahwa tingkat bias perilaku keuangan yang tinggi di Univesitas Pamulang lebih dominan terjadi pada laki-laki dibanding perempuan, yang berpenghasilan di bawah UMR dan berpendidikan S1. Hal ini mengindikasikan bahwa gender, tingkat penghasilan, dan jenjang pendidikan memiliki hubungan potensial terhadap kecenderungan individu dalam menunjukkan bias perilaku keuangan. Kemudian keputusan investasi secara keseluruhan, sebagian besar responden dari semua kategori demografis cenderung berada pada kategori keputusan investasi tinggi, beserta persentase terbesar ditemukan pada laki-laki, penghasilan di atas UMR dan memiliki pendidikan S2. Artinya, adanya perbedaan gender, tingkat penghasilan, dan tingkat pendidikan berpotensi memengaruhi kualitas maupun tingkat keputusan investasi seseorang. Individu beserta pendidikan lebih tinggi, penghasilan lebih besar, dan laki-laki tampak lebih cenderung membuat keputusan investasi yang lebih optimal. Gender memiliki efek moderasi yang signifikan terhadap bias perilaku dalam keputusan investasi di Universitas Pamulang. Sedangkan penghasilan dan pendidikan bukan memiliki efek moderasi yang signifikan terhadap bias perilaku dalam keputusan investasi. Kata Kunci: Perilaku Keuangan, Keputusan Investasi, Geneerasi Milenial ABSTRACT This study aims to find out the picture of behavioral bias and investment decisions based on gender, education, income aspects and to find out the effect of moderation on behavioral bias in investment decisions at Pamulang University. This research is included in the type of sectional CFROSS research because it was conducted in less than one year and concluded only once in a certain period of time. The method used is the survey method along with descriptive and verifiable techniques. The population used was 102.000 respondents using the slovin technique, so the sample obtained was 886 respondents. The results of the study can be concluded that the high level of financial behavior bias at Pamulang University is more dominant in men than women, who earn below UMR and have a S1 education. This indicates that gender, income level, and education level have a potential relationship with an individual's tendency to exhibit financial behavior bias. Then investment decisions as a whole, most respondents from all demographic categories tend to be in the category of high investment decisions, along with the largest percentage found in men, income above UMR and having a S2 education. This means that differences in gender, income level, and education level have the potential to affect the quality and level of a person's investment decisions. Individuals with higher education, higher incomes, and men appear to be more likely to make more optimal investment decisions. Gender has a significant moderation effect on behavioral bias in investment decisions at Pamulang University. Meanwhile, income and education do not have a significant moderation effect on behavioral bias in investment decisions. Keywords: Financial Behavior, Investment Decisions, Millennial Generation

    Baca Full Text klik disini
    [thumbnail of D_IMN_1802634_Title.pdf] Text
    D_IMN_1802634_Title.pdf
    Download (786kB)
    [thumbnail of D_IMN_1802634_Chapter1.pdf] Text
    D_IMN_1802634_Chapter1.pdf
    Download (302kB)
    [thumbnail of D_IMN_1802634_Chapter2.pdf] Text
    D_IMN_1802634_Chapter2.pdf
    Download (492kB)
    [thumbnail of D_IMN_1802634_Chapter3.pdf] Text
    D_IMN_1802634_Chapter3.pdf
    Download (537kB)
    [thumbnail of D_IMN_1802634_Chapter4.pdf] Text
    D_IMN_1802634_Chapter4.pdf
    Download (765kB)
    [thumbnail of D_IMN_1802634_Chapter5.pdf] Text
    D_IMN_1802634_Chapter5.pdf
    Download (398kB)
    [thumbnail of D_IMN_1802634_Chapter6.pdf] Text
    D_IMN_1802634_Chapter6.pdf
    Download (355kB)
    [thumbnail of D_IMN_1802634_Appendix.pdf] Text
    D_IMN_1802634_Appendix.pdf
    Download (1MB)
    Official URL: https://repository.upi.edu/
    Item Type: Thesis (S3)
    Additional Information: https://scholar.google.com/citations?user=9m_eP-sAAAAJ&hl=id
    Uncontrolled Keywords: Kata Kunci: Perilaku Keuangan, Keputusan Investasi, Geneerasi Milenial Keywords: Financial Behavior, Investment Decisions, Millennial Generation
    Subjects: H Social Sciences > HG Finance
    H Social Sciences > HJ Public Finance
    Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > S3 Manajemen
    Depositing User: Rita Satria
    Date Deposited: 08 Sep 2025 04:07
    Last Modified: 08 Sep 2025 04:08
    URI: http://repository.upi.edu/id/eprint/137535

    Actions (login required)

    View Item View Item