PENGARUH FINANCIAL LITERACY, GENDER, INCOME DAN RISK PERCEPTION TERHADAP INVESTMENT DECISION BEHAVIOR PADA KARYAWAN FRONTLINER BNI PADANG

Ridho Teguh Mandiri, Ridho (2021) PENGARUH FINANCIAL LITERACY, GENDER, INCOME DAN RISK PERCEPTION TERHADAP INVESTMENT DECISION BEHAVIOR PADA KARYAWAN FRONTLINER BNI PADANG. S2 thesis, Universitas Andalas.

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Abstract

PENGARUH FINANCIAL LITERACY, GENDER, INCOME DAN RISKPERCEPTION TERHADAP INVESTMENT DECISION BEHAVIOR PADA KARYAWAN FRONTLINER BNI PADANG Ridho Teguh Mandiri1, Dr. Rida Rahim, S.E., M.E2 Program Studi Magister Manajemen Fakultas Ekonomi Universitas Andalas ABSTRAK Tujuan dari penelitian ini adalah untuk mengetahui Pengaruh Financial Literacy, Gender, Income dan Risk Perception Terhadap Investment Decision Behavior Pada Karyawan Frontliner BNI Padang. Salah satu kenyataan pada zaman modern ini adalah semakin banyak individu yang mulai menyadari pentingnya investasi sebagai salah satu cara mengelola keuangan pribadi. Khusus pada bidang keuangan individu dikatakan sukses mencapai kebahagiaannya jika sudah mencapai kebebasan finansial.Penelitian ini merupakan penelitian deskriptif kuantitatif dengan menggunakan metode sampel jenuh. Teknik pengumpulan data dilakukan melalui penyebaran kuesioner kepada 90 Responden yang merupakan frontliner BNI Padang.Metode analisis yang digunakan adalah Analisa Korelasi Sederhana dan Regresi Linear Berganda. Hasil penelitian menunjukkan Financial literacy berpengaruh positif terhadap Investment Decision Behavior pada karyawan; Gender berpengaruh negatif terhadap Investment Decision Behavior pada karyawan; Persepsi resiko berpengaruh negatif terhadap Investment Decision Behavior pada karyawan; Income berpengaruh negatif terhadap Investment Decision Behavior pada karyawan frontliner BNI Padang. Kata Kunci : Financial Literacy, Gender, Income, Risk Perception, dan Investment Decision Behavior ix THE INFLUENCE OF FINANCIAL LITERACY, GENDER, INCOME AND RISK PERCEPTION ON INVESTMENT DECISION BEHAVIOR IN BNI PADANG FRONTLINER EMPLOYEES Ridho Teguh Mandiri1, Dr. Rida Rahim, S.E., M.E2 Master of Management Study Program, Faculty of Economics Andalas University ABSTRACT The aim of this research is to determine the influence of financial literacy, gender, income and risk perception on investment decision behavior among BNI Padang frontliner employees. One of the realities in this modern era is that more and more individuals are starting to realize the importance of investment as a way of managing personal finances. Specifically in the financial sector, individuals are said to be successful in achieving happiness if they have achieved financial freedom. This research is a quantitative descriptive research using a saturated sample method. The data collection technique was carried out by distributing questionnaires to 90 respondents who were BNI Padang frontliners. The analysis method used was Simple Correlation Analysis and Multiple Linear Regression. The research results show that Financial literacy has a positive effect on Investment Decision Behavior in employees; Gender has a negative effect on Investment Decision Behavior in employees; Risk perception has a negative effect on Investment Decision Behavior in employees; Income has a negative effect on Investment Decision Behavior among BNI Padang frontliner employees. Keywords: Financial Literacy, Gender, Income, Risk Perception, and Investment Decision Behavior

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