Pengaruh Literasi Keuangan, Pengetahuan Pasar Modal, dan Resiko Persepsi Terhadap Minat Investasi Mahasiswa

Authors

  • Irwansyah Putra Universitas Negeri Medan, Indonesia
  • Indah Monalisa Universitas Negeri Medan, Indonesia
  • Sherrindeep Kaur Universitas Negeri Medan, Indonesia
  • Dita Eka Pertiwi Sirait Universitas Negeri Medan, Indonesia
  • Dina Sarah Syahreza Universitas Negeri Medan, Indonesia

DOI:

https://doi.org/10.57235/jerumi.v3i2.7673

Keywords:

literasi keuangan, pengetahuan pasar modal, persepsi risiko, minat investasi, Bisnis Digital.

Abstract

Pertumbuhan ekonomi digital mendorong peningkatan partisipasi generasi muda dalam aktivitas investasi, namun belum sepenuhnya diimbangi oleh pemahaman keuangan yang memadai. Penelitian ini bertujuan menganalisis pengaruh literasi keuangan, pengetahuan pasar modal, dan persepsi risiko terhadap minat investasi mahasiswa Program Studi Bisnis Digital Universitas Negeri Medan. Metode penelitian menggunakan pendekatan kuantitatif dengan penyebaran kuesioner berbasis daring kepada 44 mahasiswa aktif yang dipilih melalui teknik proportionate stratified random sampling. Instrumen penelitian diuji validitas dan reliabilitasnya, dengan hasil menunjukkan seluruh item dinyatakan valid dan reliabel (Cronbach’s Alpha 0,955). Analisis data dilakukan melalui statistik deskriptif, uji asumsi klasik, dan regresi linear berganda menggunakan SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan, pengetahuan pasar modal, dan persepsi risiko masing-masing berpengaruh positif dan signifikan terhadap minat investasi. Secara simultan, ketiga variabel tersebut juga berpengaruh positif dan signifikan terhadap minat investasi mahasiswa, dengan nilai F hitung 23,863 dan tingkat signifikansi 0,001. Nilai koefisien determinasi (R²) sebesar 0,538 menunjukkan bahwa minat investasi dapat dijelaskan oleh ketiga variabel independen sebesar 53,8%, sedangkan sisanya dipengaruhi faktor lain di luar model penelitian. Temuan ini menegaskan pentingnya peningkatan literasi keuangan dan pendidikan investasi pada mahasiswa untuk mendorong partisipasi investasi yang lebih sehat dan produktif di era keuangan digital.

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References

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Published

2025-12-19

How to Cite

Putra, I., Monalisa, I., Kaur, S., Sirait, D. E. P., & Syahreza, D. S. (2025). Pengaruh Literasi Keuangan, Pengetahuan Pasar Modal, dan Resiko Persepsi Terhadap Minat Investasi Mahasiswa. Journal of Education Religion Humanities and Multidiciplinary, 3(2), 1347–1357. https://doi.org/10.57235/jerumi.v3i2.7673

Issue

Vol. 3 No. 2 (2025): Desember 2025

Section

Articles

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