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Title: | Literasi Keuangan dan Faktor yang Memengaruhi Minat Pelaku UMKM Berinvestasi di Pasar Modal: Analisis Theory Of Planned Behavior |
Authors: | Purwanto, Budi Viana, Eka Dasra Sari, Asih Wulan |
Issue Date: | 2023 |
Publisher: | IPB University |
Abstract: | Pertumbuhan investor di pasar modal semakin meningkat, tetapi jumlah
investor yang berprofesi sebagai pengusaha masih sedikit (14,27%). Pelaku Usaha
Mikro Kecil dan Menengah (UMKM) yang memiliki kelebihan dana, dapat
memanfaatkan investasi di pasar modal untuk mengoptimalkan manajemen modal
usaha mereka. Berdasarkan survei Otoritas Jasa Keuangan tahun 2019, indeks
literasi keuangan terhadap pasar modal tergolong rendah, akibatnya minat investasi
di pasar modal juga masih rendah. Minat investasi selain dipengaruhi oleh literasi
keuangan, juga dipengaruhi oleh faktor dari Theory of Planned Behavior (TPB).
Tujuan penelitian ini adalah mengidentifikasi tingkat literasi keuangan,
menganalisis faktor-faktor yang memengaruhi minat investasi, dan mengevaluasi
hubungan antara literasi keuangan dan minat investasi. Analisis pengaruh dalam
penelitian ini menggunakan SEM-PLS. Hasil penelitian menunjukkan bahwa
tingkat literasi keuangan pelaku UMKM yang masuk ke dalam kategori well literate
yaitu sebesar 67%. Minat berinvestasi di pasar modal dipengaruhi oleh atttitude
toward behavior dan literasi keuangan. Sedangkan subjective norm dan perceived
behavioral control tidak memengaruhi minat investasi. Literasi keuangan yang
semakin baik akan memengaruhi minat investasi seseorang. The growth of investors in the capital market is increasing, but the number of investors who work as entrepreneurs is still small (14.27%). Micro, Small and Medium Enterprises (MSMEs) with excess funds can invest in the capital market to optimize their business capital management. Based on the 2019 Financial Services Authority survey, the financial literacy index for the capital market is low; as a result, interest in investing in the capital market is still low. Besides being influenced by financial literacy, investment interest is also influenced by factors from the Theory of Planned Behavior (TPB). This research aims to identify the level of financial literacy, analyze the factors that influence investment intention, explore the role of financial literacy and evaluate the relationship between financial literacy and investment intention. Influence analysis in this study using SEM-PLS. The study results show that the financial literacy level of MSME actors who fall into the well-literate category is 67%. Interest in investing in the capital market is influenced by attitude toward behavior and financial literacy. Meanwhile, subjective norms and perceived behavioral control do not affect investment intentions. Better financial literacy will affect one's interest in investing. |
URI: | http://repository.ipb.ac.id/handle/123456789/116534 |
Appears in Collections: | UT - Management |
Files in This Item:
File | Description | Size | Format | |
---|---|---|---|---|
Cover.pdf Restricted Access | Cover | 413.42 kB | Adobe PDF | View/Open |
H24180013_Asih Wulan Sari.pdf Restricted Access | Fulltext | 1.84 MB | Adobe PDF | View/Open |
Lampiran.pdf Restricted Access | Lampiran | 691.77 kB | Adobe PDF | View/Open |
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