{"title":"财政素养、风险公益和对学生投资决策的风险假设的作用","authors":"Alivazain Brillianti Zahida","doi":"10.30651/imp.v1i1.9527","DOIUrl":null,"url":null,"abstract":"Economic development requires individuals to manage their finances both long term and short term. This research aims to test and prove that there is an effect of financial literacy, risk tolerance, and risk perception on investment decisions of students in Faculty of Economics and Business, Muhammadiyah University of Surabaya. This research uses a quantitative approach, the population of this research is the students in Faculty of Economics and Business, Muhammadiyah University of Surabaya with a sample of 93 students using purposive sampling technique. Data were collected by means of a questionnaire distributed through a G-form which had previously been tested for validity and reliability. The test method uses Multiple Linear Analysis with SPSS for Windows Version 21 Program. The results show that: (a) Financial Literacy has a significant positive effect on Investment Decisions: (b) Risk Tolerance has a significant positive effect on Investment Decisions: (c) Risk Perception has a positive but not significant effect on Investment Decisions: (d) Financial Literacy, Risk Tolerance, and Risk Perception have a significant positive effect simultaneously on the investment decisions of students in Faculty of Economics and Business, University of Muhammadiyah Surabaya. Perkembangan perekonomian menuntut individu dalam mengelola keuangan mereka baik jangka panjang maupun jangka pendek. Penelitian ini bertujuan untuk menguji dan membuktikan bahwa terdapat pengaruh literasi keuangan, risk tolerance, dan risk perception terhadap keputusan investasi mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya. Penelitian ini menggunakan pendekatan kuantitatif, populasi dari penelitian ini adalah mahasiwa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya dengan sampel sebanyak 93 mahasiswa menggunakan teknik purposive sampling. Data dikumpulkan dengan kuesioner yang di sebar melalui gform yang sebelumnya telah diuji validitas dan reabilitasnya. Metode pengujian menggunakan Analisis Linier Berganda dengan Program SPSS for Windows Versi 21. Hasil penelitian menunjukkan bahwa: (1) Literasi Keuangan berpengaruh positif signifikan terhadap Keputusan Investasi: (2) Risk Tolerance berpengaruh positif signifikan terhadap Keputusan Investasi: (3) Risk Perception berpengaruh positif tetapi tidak signifikan terhadap Keputusan Investasi: (4) Literasi Keuangan, Risk Tolerance, dan Risk Perception berpengaruh positif signifikan secara simultan terhadap Keputusan Investasi mahasiswa FEB Universitas Muhammadiyah Surabaya.Kata Kunci: Literasi keuangan, risk, totelarance, risk perception, keputusan investasi","PeriodicalId":229450,"journal":{"name":"Improvement: Jurnal Manajemen dan Bisnis","volume":"10 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2021-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"2","resultStr":"{\"title\":\"Peran Literasi Keuangan, Risk Tolerance, dan Risk Perception Terhadap Keputusan Investasi Mahasiswa\",\"authors\":\"Alivazain Brillianti Zahida\",\"doi\":\"10.30651/imp.v1i1.9527\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Economic development requires individuals to manage their finances both long term and short term. This research aims to test and prove that there is an effect of financial literacy, risk tolerance, and risk perception on investment decisions of students in Faculty of Economics and Business, Muhammadiyah University of Surabaya. This research uses a quantitative approach, the population of this research is the students in Faculty of Economics and Business, Muhammadiyah University of Surabaya with a sample of 93 students using purposive sampling technique. Data were collected by means of a questionnaire distributed through a G-form which had previously been tested for validity and reliability. The test method uses Multiple Linear Analysis with SPSS for Windows Version 21 Program. The results show that: (a) Financial Literacy has a significant positive effect on Investment Decisions: (b) Risk Tolerance has a significant positive effect on Investment Decisions: (c) Risk Perception has a positive but not significant effect on Investment Decisions: (d) Financial Literacy, Risk Tolerance, and Risk Perception have a significant positive effect simultaneously on the investment decisions of students in Faculty of Economics and Business, University of Muhammadiyah Surabaya. Perkembangan perekonomian menuntut individu dalam mengelola keuangan mereka baik jangka panjang maupun jangka pendek. Penelitian ini bertujuan untuk menguji dan membuktikan bahwa terdapat pengaruh literasi keuangan, risk tolerance, dan risk perception terhadap keputusan investasi mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya. Penelitian ini menggunakan pendekatan kuantitatif, populasi dari penelitian ini adalah mahasiwa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya dengan sampel sebanyak 93 mahasiswa menggunakan teknik purposive sampling. Data dikumpulkan dengan kuesioner yang di sebar melalui gform yang sebelumnya telah diuji validitas dan reabilitasnya. Metode pengujian menggunakan Analisis Linier Berganda dengan Program SPSS for Windows Versi 21. Hasil penelitian menunjukkan bahwa: (1) Literasi Keuangan berpengaruh positif signifikan terhadap Keputusan Investasi: (2) Risk Tolerance berpengaruh positif signifikan terhadap Keputusan Investasi: (3) Risk Perception berpengaruh positif tetapi tidak signifikan terhadap Keputusan Investasi: (4) Literasi Keuangan, Risk Tolerance, dan Risk Perception berpengaruh positif signifikan secara simultan terhadap Keputusan Investasi mahasiswa FEB Universitas Muhammadiyah Surabaya.Kata Kunci: Literasi keuangan, risk, totelarance, risk perception, keputusan investasi\",\"PeriodicalId\":229450,\"journal\":{\"name\":\"Improvement: Jurnal Manajemen dan Bisnis\",\"volume\":\"10 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2021-03-29\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"2\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Improvement: Jurnal Manajemen dan Bisnis\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.30651/imp.v1i1.9527\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Improvement: Jurnal Manajemen dan Bisnis","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.30651/imp.v1i1.9527","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 2
摘要
经济发展要求个人对自己的财务进行长期和短期的管理。本研究旨在检验和证明金融素养、风险承受能力和风险感知对泗水穆罕默德迪亚大学经济与商业学院学生投资决策的影响。本研究采用定量方法,研究对象为泗水穆罕默德迪亚大学经济与商业学院的学生,样本为93名学生,采用有目的抽样技术。数据是通过g表格分发的问卷收集的,该问卷先前已经过有效性和可靠性测试。检验方法采用SPSS for Windows Version 21程序进行多元线性分析。结果表明:(a)金融素养对投资决策有显著的正向影响;(b)风险承受能力对投资决策有显著的正向影响;(c)风险感知对投资决策有显著但不显著的正向影响;(d)金融素养、风险承受能力和风险感知对泗水穆罕默德大学经济与商业学院学生的投资决策同时有显著的正向影响。Perkembangan perekonomian menuntut个人dalam mengelola keuangan mereka baik janka panjang maupun janka pendek。Penelitian ini bertujuan为她menguji丹membuktikan bahwa terdapat pengaruh literasi keuangan,风险容忍度,丹风险感知terhadap keputusan investasi mahasiswa Fakultas Ekonomi丹Bisnis意大利穆罕默迪亚泗水。3 .有目的的抽样,有目的的抽样,有目的的抽样,有目的的抽样。数据分析的有效性和可靠性与数据分析的有效性和可靠性有关。方法企鹅孟古纳坎分析Linier Berganda dengan程序SPSS for Windows version 21。Hasil penelitian menunjukkan bahwa:(1) Literasi Keuangan berpengaruh positive significance kan terhadap Keputusan Investasi;(2)风险承受能力berpengaruh positive significance kan terhadap Keputusan Investasi;(3)风险感知能力berpengaruh positive significance kan terhadap Keputusan Investasi;(4)风险承受能力,风险感知能力berpengaruh positive significance kan secara simultan terhadap Keputusan Investasi mahasiswa泗水穆罕默德大学。卡塔昆慈:文学性、风险、理性、风险感知、风险投资
Peran Literasi Keuangan, Risk Tolerance, dan Risk Perception Terhadap Keputusan Investasi Mahasiswa
Economic development requires individuals to manage their finances both long term and short term. This research aims to test and prove that there is an effect of financial literacy, risk tolerance, and risk perception on investment decisions of students in Faculty of Economics and Business, Muhammadiyah University of Surabaya. This research uses a quantitative approach, the population of this research is the students in Faculty of Economics and Business, Muhammadiyah University of Surabaya with a sample of 93 students using purposive sampling technique. Data were collected by means of a questionnaire distributed through a G-form which had previously been tested for validity and reliability. The test method uses Multiple Linear Analysis with SPSS for Windows Version 21 Program. The results show that: (a) Financial Literacy has a significant positive effect on Investment Decisions: (b) Risk Tolerance has a significant positive effect on Investment Decisions: (c) Risk Perception has a positive but not significant effect on Investment Decisions: (d) Financial Literacy, Risk Tolerance, and Risk Perception have a significant positive effect simultaneously on the investment decisions of students in Faculty of Economics and Business, University of Muhammadiyah Surabaya. Perkembangan perekonomian menuntut individu dalam mengelola keuangan mereka baik jangka panjang maupun jangka pendek. Penelitian ini bertujuan untuk menguji dan membuktikan bahwa terdapat pengaruh literasi keuangan, risk tolerance, dan risk perception terhadap keputusan investasi mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya. Penelitian ini menggunakan pendekatan kuantitatif, populasi dari penelitian ini adalah mahasiwa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya dengan sampel sebanyak 93 mahasiswa menggunakan teknik purposive sampling. Data dikumpulkan dengan kuesioner yang di sebar melalui gform yang sebelumnya telah diuji validitas dan reabilitasnya. Metode pengujian menggunakan Analisis Linier Berganda dengan Program SPSS for Windows Versi 21. Hasil penelitian menunjukkan bahwa: (1) Literasi Keuangan berpengaruh positif signifikan terhadap Keputusan Investasi: (2) Risk Tolerance berpengaruh positif signifikan terhadap Keputusan Investasi: (3) Risk Perception berpengaruh positif tetapi tidak signifikan terhadap Keputusan Investasi: (4) Literasi Keuangan, Risk Tolerance, dan Risk Perception berpengaruh positif signifikan secara simultan terhadap Keputusan Investasi mahasiswa FEB Universitas Muhammadiyah Surabaya.Kata Kunci: Literasi keuangan, risk, totelarance, risk perception, keputusan investasi