Texts

PENGARUH FINANCIAL LITERACY, RISK TOLERANCE DAN REPUTASI TERHADAP KEPUTUSAN INVESTASI MELALUI TRUST : Studi Terhadap Nasabah Prioritas Yang Di Kelola Oleh Bank Rakyat Indonesia

---

RINGKASAN

Latar belakang penelitian ini adalah munculnya beragam instrument
investasi mulai dari Cryptocurrency, BitCoin, Forex dan Robotrading. Kemunculan
beragam instrumen tersebut juga diiringi dengan lonjakan investasi ilegal sebesar
Rp 35 triliiun pada 2022. Munculnya permasalahan investasi lain seperti fenomena
missed selling produk investasi akibat kurangnya literasi keuangan nasabah. Dari
kasus-kasus tersebut kemudian memunculkan keragaman pola keuangan
berdasarkan karakter investor nasabah Prioritas. Melalui masalah-masalah
tersebut kemudian dipilih beberapa variabel yang diduga mempengaruhi
diantaranya literasi keuangan, risk tolerance, reputasi lembaga, trust dan
keputusan investasi. Penelitian ini bertujuan untuk meneliti bagaimana pengaruh
variabel-variabel tersebut dalam mempengaruhi nasabah Prioritas Bank Rakyat
Indonesia (BRI) ketika berinvestasi. Metode penelitian yang digunakan dalam
penelitian ini adalah kuantitatif deskriptif dengan sampel sebanyak 122 nasabah
Prioritas BRI. Teknik pengolahan data yang dilakukan menggunakan SEM-PLS
dengan bantuan aplikasi SMART PLS 3.

Hasil penelitian menunjukkan bahwa literasi keuangan, risk tolerance dan
trust mempengaruhi kepurusan investasi. Namun, hubungan mediasi trust
terhadap variabel literasi keuangan dan risk tolerance ditolak. Sedangkan
hubungan mediasi antara trust dan reputasi lembaga diterima. Keseluruhan hasil
tersebut menjadikan trust berhasil memediasi sebagian hubungan antara variabel
bebas dan terikat. Hasil penelitian ini kemudian ditelaah lebih jauh menggunakan
TPB sebagai rasionalisasi sikap dan pola perilaku keuangan nasabah Prioritas BRI
dalam berinvestasi.

SUMMARY

The background of this research is the emergence of various investment
instruments, including cryptocurrency, BitCoin, Forex, and robotics. The
emergence of these multiple instruments is accompanied by a surge in illegal
investment of IDR 35 trillion in 2022. Other investment problems have emerged,
such as the missed selling of investment products due to customers' lack of
financial literacy. From these cases, various financial patterns emerged based on
the characteristics of priority customer investors. Through these problems, several
variables were selected that were thought to influence financial literacy, risk
tolerance, institutional reputation, trust, and investment decisions. This research
examines how these variables influence Bank Rakyat Indonesia's (BRI) priority
customers when investing. The research method used in this research is
descriptive quantitative with a sample of 122 BRI priority customers. The data
processing technique was carried out using SEM-PLS with the help of the SMART
PLS 3 application.

The research results show that financial literacy, risk tolerance, and trust
influence investment decisions. However, the mediating relationship between trust
and the variables of financial literacy and risk tolerance is rejected. Meanwhile, the
mediation relationship between trust and institutional reputation is accepted.
Overall, these results make trust successful in mediating some of the relationships
between the independent and dependent variables. The results of this research
were then examined further using the TPB as a rationalization of attitudes and
financial behavior patterns of BRI's priority customers in investing.

---

Ketersediaan

202576

TES 332,04 CAR p 2025 K1

Fadel Muhammad Resource Center (Ilmu Sosial)

Tersedia namun tidak untuk dipinjamkan - No Loan

Informasi Detail

Judul Seri

-

No. Panggil

TES 332,04 CAR p 2025 K1

Penerbit

Malang : Program Magister Ilmu Administrasi Bisnis Fakultas Ilmu Administrasi Universitas Brawijaya Malang., 2025

Deskripsi Fisik

-, 144 Halaman ; Ilus : 29,5 m

Bahasa

Indonesia

ISBN/ISSN

-

Klasifikasi

332,04

Tipe Isi

text

Tipe Media

-

Tipe Pembawa

-

Edisi

-

Subjek

Tesis / Thesis

Info Detail Spesifik

-

Pernyataan Tanggungjawab

Sinta Carolina

Versi lain/terkait

Lampiran Berkas

Komentar

---

Anda harus masuk sebelum memberikan komentar