Urgensi Literasi Keuangan dan Motivasi Berinvestasi dalam Meningkatkan Minat Investasi Mahasiswa

Authors

  • Ima Karima Sekolah Tinggi Ilmu Ekonomi Pariwisata
  • Krisnawati Setyaningrum Nugraheni Sekolah Tinggi Ilmu Ekonomi Pariwisata

DOI:

https://doi.org/10.35870/jemsi.v12i2.5787

Keywords:

Financial Literacy, Investment Motivation, Student Investment Interest

Abstract

This study aims to analyze the influence of financial literacy and investment motivation on students' investment interest. With the growing development of the capital market in Indonesia and the variety of investment instruments available, it is important for the younger generation, especially students, to have a good understanding of financial and investment concepts from an early age. This study used a quantitative approach with a survey method of 100 students from various universities. Data were collected through a questionnaire that measured respondents' levels of financial literacy, investment motivation, and investment interest. The results showed that financial literacy (β = 0.132, p < 0.001) and investment motivation (β = 0.805, p < 0.001) had a positive and significant effect on students' investment interest. Together, the two variables explained 81.0% of the variation in students' investment interest (R² = 0.810). The implication of this study is the need to strengthen financial education programs in universities and develop investment outreach programs to increase the participation of the younger generation in investment activities.

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Author Biographies

  • Ima Karima, Sekolah Tinggi Ilmu Ekonomi Pariwisata

    Manajemen, Sekolah Tinggi Ilmu Ekonomi Pariwisata, Indonesia.

  • Krisnawati Setyaningrum Nugraheni, Sekolah Tinggi Ilmu Ekonomi Pariwisata

    Manajemen, Sekolah Tinggi Ilmu Ekonomi Pariwisata, Indonesia.

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Published

2026-04-01

Issue

Vol. 12 No. 2 (2026): April 2026

Section

Articles

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Copyright (c) 2026 Ima Karima, Krisnawati Setyaningrum Nugraheni

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