Dorongan Terhadap Upaya Kearifan Lokal dalam Memengaruhi Keputusan Investasi Digital Didasarkan Pada Literasi Keuangan Digital dan Financial Technology
DOI:
https://doi.org/10.37849/midi.v25i2.503Keywords:
Literasi Keuangan Digital, Keputusan Investasi Digital, Financial Technology, Kearifan lokalAbstract
Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis faktor-faktor yang mempengaruhi keputusan investasi digital, tinjauan literasi keuangan digital, dan teknologi keuangan yang dimediasi oleh kearifan lokal. Selain itu, penelitian ini menyajikan model dasar baru dalam upaya mengisi ruang terbatas pada isu keputusan investasi digital dari penelitian sebelumnya. Secara umum, keputusan investasi dipengaruhi melalui pendekatan rasional, dalam penelitian ini unsur-unsur budaya filosofis Jawa " nastiti dan ati-ati " diuji untuk mengetahui dampaknya terhadap pengambilan keputusan investasi digital. Penelitian ini bertujuan untuk menguji secara empiris penentuan faktor-faktor yang mempengaruhi keputusan investasi digital dalam tinjauan literasi keuangan digital dan teknologi keuangan yang dimediasi oleh kearifan lokal. Selain itu, penelitian ini menyajikan model dasar baru dalam upaya mengisi ruang terbatas pada isu keputusan investasi digital dari penelitian yang telah dilakukan sebelumnya. Metode kuantitatif dipilih dalam penelitian ini untuk mewakili fenomena keputusan investasi keuangan digital Generasi X, Y dan Z di Indonesia. Data dalam penelitian ini diperoleh melalui penyebaran kuesioner dan dikumpulkan, total 207 responden dengan teknik pengambilan sampel acak sederhana dan snowball. Berdasarkan temuan penelitian ini, terlihat bahwa terdapat pengaruh langsung financial technology dan kearifan lokal terhadap keputusan investasi digital, sedangkan literasi keuangan digital tidak berpengaruh terhadap keputusan investasi digital. Pengaruh tidak langsung ditunjukkan pada variabel literasi keuangan dan financial technology melalui kearifan lokal terhadap keputusan investasi digital.
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