Pengaruh Literasi Keuangan terhadap Perilaku Investasi Mahasiswa: Peran Mediasi Self Control dan Peer Influence

Yuniar Pangesti

doi:10.69693/ijim.v4i3.1513

Authors

Yuniar Pangesti Universitas Sebelas Maret

DOI:

https://doi.org/10.69693/ijim.v4i3.1513

Keywords:

Literasi keuangan, Self Control, Peer Influence, Perilaku Investasi, Mahasiswa

Abstract

Penelitian ini bertujuan menganalisis pengaruh literasi keuangan terhadap perilaku investasi dengan self control dan peer influence sebagai variabel mediasi pada Mahasiswa Universitas Sebelas Maret. Latar belakang penelitian didasarkan pada perkembangan teknologi digital yang telah meningkatkan jumlah investor di Indonesia, khususnya di kalangan generasi muda. Namun, peningkatan tersebut belum sepenuhnya diikuti oleh perilaku investasi yang rasional karena masih dipengaruhi oleh faktor seperti literasi keuangan, self control, dan peer influence. Penelitian menggunakan pendekatan kuantitatif dengan 150 responden dan dianalisis menggunakan SEM-PLS melalui SmartPLS 4. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku investasi, self control, dan peer influence. Self control dan peer influence juga berpengaruh positif dan signifikan terhadap perilaku investasi. Selain itu, self control dan peer influence terbukti mampu memediasi pengaruh literasi keuangan terhadap perilaku investasi mahasiswa Universitas Sebelas Maret. Temuan ini menunjukkan bahwa peningkatan perilaku investasi mahasiswa tidak hanya dipengaruhi oleh tingkat literasi keuangan, tetapi juga oleh kemampuan mengendalikan diri serta dukungan lingkungan pertemanan yang positif.

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