Abstract
Indonesia's population is dominated by productive age, which is expected to contribute to boosting economic growth and improving people's welfare. The number of the young generation (Generation Z) is an advantage for Indonesia's demographics as well as opportunities and challenges in carrying out digital transformation, both in financial literacy and in the provision of products and services. However, the Financial Services Authority (OJK) in 2019 stated that the level of financial literacy and financial inclusion in Indonesia remains low. This condition might be due to the lack of understanding to the various financial products and services offered by formal financial services institutions. Significantly, Generation Z has realize responsibility for their financial condition and is starting to honourably the importance of investing. Therefore in this study, the level of financial literacy and inclusion of Generation Z in Jabodetabek was studied in order to analyze the effect on investment interest in the capital market. Descriptive analysis and Structural Equation Modeling (SEM) – PLS analysis were used for data generation. The results of this study reveal that the level of financial literacy and the average financial inclusion of Generation Z in Jabodetabek are in the well literate category, financial literacy has no effect on investment interest, in contrary, the financial inclusion has an effect on investment interest.
Highlights
Penduduk Indonesia didominasi oleh usia produktif yang diharapkan dapat berkontribusi dalam mendorong pertumbuhan ekonomi maupun meningkatkan kesejahteraan masyarakat
The results of this study reveal that the level of financial literacy and the average financial inclusion of Generation Z in Jabodetabek are in the well literate category, financial literacy has no effect on investment interest, in contrary, the financial inclusion has an effect on investment interest
Pengaruh Literasi Keuangan dan Akses Terhadap Keputusan Berinvestasi di Pasar Modal Syariah (Studi Kasus: Investor di Galeri Investasi Bursa Efek Indonesia Fakultas Ekonomi dan Bisnis Syariah IAIN Surakarta)
Summary
Gambar 1 menunjukkan bahwa terjadi peningkatan literasi keuangan nasional dalam satu dekade terakhir. Rendahnya inklusi keuangan terhadap produk pasar modal, menggambarkan bahwa masyarakat Indonesia belum mengoptimalkan kekayaan yang dimilikinya untuk melakukan investasi. Kesadaran masyarakat kelompok generasi Z terhadap investasi masih sangat rendah padahal generasi Z, yang termasuk juga ke dalam usia produktif, telah memiliki tanggung jawab atas kondisi keuangannya masing-masing, baik untuk saat ini maupun masa depan. Sebagai pusat kegiatan nasional dan merupakan wilayah perkotaan terbesar di Indonesia menjadikan Kawasan Jabodetabek lebih maju terutama dalam aspek pendidikan dan perekonomian, yang mana daerah perkotaan memiliki indeks literasi dan inklusi keuangan yang lebih tinggi yaitu sebesar 41,41 persen dan 83,60 persen (OJK, 2019). Sehingga penelitian ini berjudul “Analisis Literasi dan Inklusi Keuangan terhadap Minat Investasi Generasi Z di Jabodetabek.”. Sehingga penelitian ini berjudul “Analisis Literasi dan Inklusi Keuangan terhadap Minat Investasi Generasi Z di Jabodetabek.” Penelitian ini dilaksanakan pada generasi Z di Jabodetabek dengan tujuan (1) menganalisis tingkat literasi keuangan, (2) menganalisis tingkat inklusi keuangan, (3) menganalisis pengaruh literasi keuangan terhadap inklusi keuangan, dan (4) menganalisis pengaruh literasi dan inklusi keuangan terhadap minat investasi
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