PENGARUH LITERASI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP PERILAKU INVESTASI MELALUI KEPUTUSAN MENABUNG GURU EKONOMI SMA/MA NEGERI/SWASTA KOTA SURABAYA

THE IMPACT OF FINANCIAL LITERACY AND FINANCIAL TECHNOLOGY THE INVESTMENT BEHAVIOR OF ECONOMICS TEACHER STATE OR PRIVATE SENIOR HIGH SCHOOL SURABAYA CITY BY SAVING DECISION AS MODERATE VARIABLES

Penelitian ini bertujuan menganalisis pengaruh literasi keuangan terhadap perilaku investasi guru ekonomi SMA/MA Negeri/Swasta kota Surabaya, menganalisis pengaruh financial technology terhadap perilaku investasi guru ekonomi SMA/MA Negeri/Swasta kota Surabaya, menganalisis signifikansi keputusan menabung sebagai pemoderasi hubungan antara literasi keuangan terhadap perilaku investasi guru ekonomi SMA/MA Negeri/Swasta kota Surabaya, menganalisis signifikansi keputusan menabung sebagai pemoderasi hubungan antara Financial Technology terhadap perilaku investasi guru ekonomi SMA/MA Negeri/Swasta kota Surabaya.

Penelitian ini menggunakan metode penelitian deskriptif, kuantitatif dan eksplanatori. Populasi dalam penelitian ini yakni guru ekonomi SMA/MA Negeri/swasta Kota Surabaya. Pengumpulan data ini menggunakan data primer dalam bekntuk kuisioner pertanyaan yang sudah memiliki pilihan jawaban. Dari hasil penelitian yang diujikan melalui SEM-PLS diketahui bahwa literasi keuangan dan Financial Technology berpengaruh positif signifikan terhadap perilaku investasi guru ekonomi karena nilai koefisiennya positif. Interaksi antara literasi keuangan dengan keputusan menabung berpengaruh positif signifikan terhadap perilaku investasi guruekonomi karena nilai koefisiennya positif sedangkan Interaksi antara Financial Technology dengan keputusan menabung tidak berpengaruh positif signifikan terhadap perilaku investasi guru ekonomi karena nilai koefisiennya negatif, maka dapat disimpulkan bahwasannya keputusan menabung bukanlah variabel moderasi antara literasi keuangan dan perilaku investasi .

Kata Kunci literasi keuangan, financial technology, perilaku investasi, keputusan menabung

This research aims to analyze the effect of financial literacy on the investment behavior of economics teacher state or private senior high school Surabaya city, analyze the effect of financial technology on the investment behavior of economics teacher state or private senior high school Surabaya city, Analyzing the significance of saving decisions as a moderator of the relationship between financial literacy and investment behavior of economicsteacher state or private senior high school Surabaya city,analyze the significance of saving decisions as a moderator of the relationship between financial technology on the investment behavior of economics teacher state orprivate senior high school Surabaya city.

This research uses descriptive, quantitative and explanatory research methods. The population in this research is public/private high school/MA economics teachers in the city of Surabaya. This data collection uses primary data in the form of a questionnaire with questions that already have answer choices. From the results of research tested through SEM-PLS, it is known that financial literacy and Financial Technology have a significant positive effect on the investment behavior of economics teachers because the coefficient value is positive. The interaction between financial literacy and the decision to save has a significant positive effect on the investment behavior of economics teachers because the coefficient value is positive, while the interaction between Financial Technology and the decision to save does not have a significant positive effect on the investment behavior of economics teachers because the coefficient value is negative, so it can be concluded that the decision to save is not a moderating variable between financial literacy and investment behavior.

Keywords financial literacy, financial Technology, investment behavior, saving decision