Pengaruh Financial Literacy, Risk Perception, Herding, Loss Aversion, Anchoring, Dan Income Terhadap Keputusan Investasi Emas Di PT. Pegadaian (Persero)

The Influence of Financial Literacy, Risk Perception, Herding, Loss Aversion, Anchoring, And Income on Gold Investment Decisions at PT. Pegadaian (Persero)

Minat investasi di Indonesia terus meningkat seiring dengan semakin banyaknya masyarakat yang menyadari manfaat dari investasi, khususnya investai pada emas. Dalam berinvestasi, investor bertindak rasional atau irasional dalam mengambil keputusan investasi. Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, risk perception, herdin, loss aversion, anchroing dan income terhadap keputusan investasi emas di PT. Pegadaian (persero).  Penelitian ini merupakan penelitian kuantitatif dengan populasi yaitu nasabah PT Pegadaian (Persero) yang menggunakan produk tabungan emas. Sampel yang digunakan dalam penelitian ini adalah nasabah tabungan emas PT. Pegadaian di Kabupaten Gresik. Responden yang diambil berjumlah 100 responden dengan menggunakan teknik accidental sampling. Pengumpulan data didapatkan dari penyebaran kuesioner secara online dan offline. Teknik analisis data yang digunakan dalam penelitian ini menggunakan metode analisis Structural equation model partial least square dengan software SmartPLS 3.0. Hasil penelitian ini menunjukkan bahwa financial literacy berpengaruh terhadap keputusan investasi. Berdasarkan hasil deskriptif jawaban responden, tingkat financial literacy responden berada pada kategori moderately high association. Sedangkan risk perception, herding, loss aversion, anchoring dan income tidak berpengaruh terhadap keputusan investasi.

Kata kunci: financial literacy, risk perception, herding, loss aversion, anchoring, income, keputusan investasi.

The investment interest in Indonesia is rising in line with the society's awareness on the benefit of investment, especially gold investment. Investors act rationally or irrationally in making investment decisions. The aim of this research is to study the effect of financial literacy, risk perception, herding, loss aversion, anchoring and income to the decision of gold investment at PT. Pegadaian. This is a quantity experiment with the customer of PT. Pegadaian who used the gold investment as a population and sample of this research. Using the accidental sampling technique, there are 100 respondents. Data collection using a direct and online questionnaire. The Structural equation model partial least square method with the SmartPLS 3.0 software used to analyze the data collected. The results show that financial literacy affects investment decisions. Respondents have a fairly high level of education and moderately high association of financial literacy. While the risk perception, herding, loss aversion, anchoring and income are not affecting the investment decisions.

Keywords: Financial Literacy, Risk Perception, Herding, Loss Aversion, Anchoring, Income, Investment Decisions.