PENGARUH FINANCIAL LITERACY, PERSEPSI RISIKO DAN MOTIVASI INVESTASI TERHADAP MINAT BERINVESTASI TABUNGAN EMAS DI PEGADAIAN (Studi pada Mahasiswa UNISMA, Politeknik Negeri Malang dan Universitas Negeri Malang)

Nuratiran Lailina, Noor Shodiq Askandar, Junaidi Junaidi

Abstract


The purpose of study is to determine the effect of Financial Literacy, Risk Perception and Investment Motivation on Gold Savings Investment Interest in Pegadaian (study of students of the Islamic University of Malang, State Polytechnic of Malang and State University of Malang. The population of this study is active students of the 2018 class of Accounting majoring in UNISMA, POLINEMA and State University of Malang and the sampling used purposive sampling, the sample is 85 respondents. The data collection used the questionnaire. The analytical technique in this study used multiple linear regression analysis with a significance level of 5% with the help of SPSS version 25. The data used are hypothesis test (f), coefficient of determination (R2) and partial test (t). The results showed that: financial literacy and motivation investment partially has a significant effect on interest in investing in gold savings in Pegadaian, while risk perception does not significantly affect interest in investing in gold savings in Pegadaian. The result of the simultaneous test showed Financial literacy, risk perception and investment motivation have a significant effect on interest in investing in gold savings in Pegadaian

Keywords: Financial Literacy, Risk Perception, Investment Motivation and Investment Interest Saving Gold


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References


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