PENGARUH LITERASI KEUANGAN, MODAL MINIMUM, PERSEPSI RETURN DAN RISIKO TERHADAP MINAT BERINVESTASI MAHASISWA

EFFECT OF FINANCIAL LITERACY, MINIMUM CAPITAL, PERCEIVED RETURN AND RISK

Mahasiswa merupakan salah satu sasaran Bursa Efek Indonesia dalam meningkatkan investor muda. Namun berdasarkan hasil survei diketahui dari 8 mahasiswa program studi pendidikan ekonomi hanya terdapat 1 saja mahasiswa yang berinvestasi. Tujuan dari penelitian ini adalah untuk mengestimasi pengaruh literasi keuangan, modal minimal, persepsi return dan resiko terhadap minat berinvestasi. Metode yang digunakan adalah metode kuantitatif. Program studi pendidikan ekonomi FEB UNESA adalah populasi pada penelitian ini yang jumlahnya 120 orang. Setelah itu, sampel diambil dengan rumus Slovin sebanyak 92 orang. Selanjutnya, sampel penelitian diambil memakai teknik probability sampling dengan pendekatan proportionate stratified random sampling. Analisis data menggunakan metode uji regresi linear berganda. Hasil analisis data diperoleh hasil bahwa literasi keuangan dan modal minimum tidak mempengaruhi minat berinvestasi mahasiswa, sedangkan persepsi return dan resiko secara signifikan mempengaruhi minat berinvestasi mahasiswa di program studi pendidikan ekonomi FEB UNESA.

Kata kunci: Literasi Keuangan, Modal Minimum, Persepsi Return dan Resiko

Students are one of the targets of the Indonesia Stock Exchange in increasing young investors. However, based on the survey results, it is known that of 8 students in the economic education study program, there is only one student who invests. This study aimed to estimate the effect of financial literacy, minimum capital, perceived return, and risk on investment interest. The method used in this study is a quantitative method. The economic education study program FEB UNESA is the population in this study 120 people. After that, samples were taken using the Slovin formula for as many as 92 people. Furthermore, the research sample was taken using a probability sampling technique with a proportionate stratified random sampling. Data analysis using multiple linear regression test method. The results of data analysis, it was found that financial literacy and minimum capital did not affect students' investment interest, while the perception of return and risk significantly affected students' investment interest in the economic education study program FEB UNESA.

Keywords: Financial literacy, Minimum Capital, Perceived Return and Risk