Steven, Steven (2024) Pengaruh literasi keuangan, tingkat pendapatan, dan intrumen investasi terhadap keminatan berinvestasi (studi kasus karyawan finance company Jakarta Utara). Skripsi thesis, Universitas Tarumanagara.

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Abstract

Abstract:
This research aims to analyze the influence of financial literacy, income level, and understanding of investment instruments on investment interest among Finance Company employees in North Jakarta. The research method uses a quantitative approach by collecting data through questionnaires to 150 respondents. Data was processed using SmartPLS software to test the research model. The results of the analysis show that financial literacy, income level, and understanding of investment instruments have a significant influence on investment interest, both partially and simultaneously. The variable understanding investment instruments shows the most dominant influence compared to other variables. These findings indicate that increasing financial literacy, good income management, and an in-depth understanding of investment instruments can encourage Finance company employees interest in investing. It is hoped that this research can contribute to the development of financial literacy programs and policies to increase the accessibility of investment instruments in Indonesia.
Keywords: financial literacy, income level, investment instruments, interest in investing, Finance Company employees.

Abstrak:
Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, tingkat pendapatan, dan pemahaman instrumen investasi terhadap minat berinvestasi pada karyawan Finance Company di Jakarta Utara. Metode penelitian menggunakan pendekatan kuantitatif dengan pengumpulan data melalui kuesioner kepada 150 responden. Data diolah menggunakan software SmartPLS untuk menguji model penelitian. Hasil analisis menunjukkan bahwa literasi keuangan, tingkat pendapatan, dan pemahaman instrumen investasi memiliki pengaruh signifikan terhadap minat berinvestasi, baik secara parsial maupun simultan. Variabel pemahaman instrumen investasi menunjukkan pengaruh yang paling dominan dibandingkan variabel lainnya. Temuan ini mengindikasikan bahwa peningkatan literasi keuangan, pengelolaan pendapatan yang baik, serta pemahaman mendalam terhadap instrumen investasi dapat mendorong minat karyawan Finance Company untuk berinvestasi. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan program literasi keuangan dan kebijakan peningkatan aksesibilitas instrumen investasi di Indonesia.
Kata Kunci: literasi keuangan, tingkat pendapatan, instrumen investasi, minat berinvestasi, karyawan Finance Company.

Item Type: Thesis (Skripsi)
Subjects: Skripsi/Tugas Akhir
Skripsi/Tugas Akhir > Fakultas Ekonomi
Divisions: Fakultas Ekonomi > Manajemen
Depositing User: FE Perpus
Date Deposited: 26 Jun 2025 02:35
Last Modified: 26 Jun 2025 02:35
URI: https://repotest.untar.ac.id/id/eprint/47375

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