DETERMINASI KEPUTUSAN INVESTASI EMAS DIGITAL PADA ERA KEUANGAN DIGITAL
DOI:
https://doi.org/10.22437/jmk.v15i02.55617Abstract
Abstrak
Riset ini bermaksud untuk mengkaji dan mengevaluasi bagaimana pengaruh literasi keuangan dan persepsi risiko terhadap keputusan investasi emas digital di Indonesia. Perkembangan teknologi keuangan digital yang pesat telah memperluas akses masyarakat terhadap platform investasi emas digital, namun kesenjangan antara inklusi keuangan (85,10%) dan literasi keuangan (49,68%) masih menjadi perhatian utama. Melalui pendekatan kuantitatif, riset ini mengaplikasikan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan melibatkan 215 partisipan yang terdiri dari investor aktif maupun calon investor emas digital. Pengumpulan data dilakukan via kuesioner elektronik dan diolah memanfatkan software SmartPLS. Hasil evaluasi model pengukuran mengonfirmasi kualitas validitas dan reliabilitas yang baik, ditunjukkan oleh seluruh nilai outer loading yang melewati angka 0,70, Average Variance Extracted (AVE) melampaui 0,50, serta Composite Reliability di atas 0,80. Selanjutnya, pengujian model struktural mencatatkan nilai $R^2$ sebesar 0,573, yang mengindikasikan bahwa kedua variabel independen mampu mengelaborasi 57,3% variabilitas dalam keputusan investasi. Berdasarkan temuan penelitian, literasi keuangan terbukti memberikan dampak positif dan substansial terhadap penentuan investasi emas digital (β = 0,412, p < 0,05), persepsi risiko juga memegang peranan yang signifikan dalam mengarahkan keputusan investasi pada instrumen emas berbasis digital (β = 0,318, p < 0,05), serta kedua variabel secara simultan berpengaruh signifikan terhadap keputusan investasi emas digital. Hasil penelitian menegaskan pentingnya penguatan literasi keuangan dan edukasi manajemen risiko dalam meningkatkan kualitas pengambilan keputusan investasi pada era keuangan digital.
Kata kunci: Literasi Keuangan, Persepsi Risiko, Keputusan Investasi, Emas Digital, PLS-SEM
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