Pengaruh Literasi Keuangan dan Persepsi Risiko Terhadap Keputusan Investasi Dengan Perilaku Keuangan Sebagai Variabel Moderasi Pada Investor Pengguna Aplikasi Stockbit Sekuritas

Azizatur Rahma; Wiwit Hariyanto

doi:10.47134/jbea.v3i3.1185

Authors

Azizatur Rahma Universitas Muhammadiyah Sidoarjo
Wiwit Hariyanto Universitas Muhammadiyah Sidoarjo

DOI:

https://doi.org/10.47134/jbea.v3i3.1185

Keywords:

Literasi Keuangan, Persepsi Risiko, Perilaku Keuangan, Keputusan Investasi, Investor Digital

Abstract

Penelitian ini bertujuan menganalisis pengaruh literasi keuangan dan persepsi risiko terhadap keputusan investasi dengan perilaku keuangan sebagai variabel moderasi pada investor pengguna aplikasi Stockbit Sekuritas. Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei cross-sectional. Data dikumpulkan melalui kuesioner daring dan dianalisis menggunakan Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa literasi keuangan dan persepsi risiko memiliki pengaruh positif dan signifikan terhadap keputusan investasi. Perilaku keuangan berpengaruh langsung terhadap keputusan investasi serta memperkuat hubungan antara literasi keuangan dan keputusan investasi, serta memoderasi pengaruh persepsi risiko terhadap keputusan investasi. Temuan ini menegaskan pentingnya peran literasi, persepsi risiko, dan perilaku keuangan dalam pengambilan keputusan investasi investor digital.

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