Literasi Keuangan, Pengalaman Investasi, Dan Kepercayaan Dalam Membentuk Minat Investasi Cryptocurrency Di Kalangan Generasi Z
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Abstract
Perkembanagan pesat teknologi digital mendorong generasi Z semakin aktif berpartisipasi dalam instrument investasi digital seperti cryptocurrency. Kemudahan akses melalui aplikasi keuangan memberikan peluang bagi generasi muda untuk berpartisipasi di pasar investasi secara lebih fleksibel. Tujuan penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi minat berinvestasi cryptocurrency gen Z, khususnya literasi keuangan, pengalaman investasi, dan kepercayaan. Penelitian ini menggunakan pendekatan kuantitatif, khususnya metode survei. Sampel penelitian ini adalah 93 orang, berdomisili di Kudus, yang memiliki pengalaman investasi sebelumnya, menggunakan teknik purposive sampling. Instrumen penelitian terdiri dari kuesioner dengan 20 indikator, diukur menggunakan skala Likert 1-5 dan dianalisis dengan regresi linier berganda. Hasil penelitian ini menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap minat berinvestasi di cryptocurrency. Sementara pengalaman investasi memiliki pengaruh negatif dan signifikan yang menunjukkan pengalaman investasi sebelumnya dapat mempengaruhi persepsi risiko. Sedangkan kepercayaan tidak berpengaruh positif dan signifikan pada tingkat 5%. Model tersebut menjelaskan 12,4% varian minat berinvestasi cryptocurrency. Temuan ini menegaskan pentingnya peningkatan literasi keuangan di kalangan gen Z untuk mendukung pengambilan keputusan investasi yang lebih rasional di pasar keuangan digital.
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