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"ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh financial literacy terhadap preferensi pilihan investasi pada generasi millennials. Financial literacy pada penelitian ini diukur dengan financial attitude, financial behavior, dan financial knowledge. Preferensi pilihan investasi dilihat melalui minat generasi millennials pada instrumen deposito, emas, properti, reksadana, dan saham. Selain itu, penelitian ini juga menggunakan risk attitude sebagai variabel moderasi. Penelitian ini menggunakan metode kuantitatif dengan jumlah responden sebanyak 247 orang dan diolah dengan metode analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa financial attitude, financial behaviour, dan financial knowledge tidak berpengaruh pada preferensi pilihan investasi deposito, emas, dan properti. Namun,financial attitude dan financial knowledge berpengaruh terhadap preferensi pilihan investasi reksadana dan saham. Selain itu hasil penelitian menunjukkan bahwa risk attitude hanya berpengaruh terhadap preferensi pilihan investasi saham serta hanya memoderasi (memperkuat)financial attitude terhadap preferensi pilihan investasi reksadana.

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ABSTRACTThis study aims to determine the effect of financial literacy on millennials investment choice preferences. Financial literacy here is measured by financial attitude, financial behavior, and financial knowledge. Investment choice preferences are seen through the interest of millennials in deposits, gold, property, mutual funds and shares. In addition, this study also uses risk attitude as a moderating variable. This study uses a quantitative method with a number of respondents as many as 247 people and processed by multiple linear regression analysis method. The results of the study show that financial attitude, financial behavior, and financial knowledge have no effect on preference for investment in deposits, gold, and property. However, financial attitude and financial knowledge have an effect on the choice of mutual fund and stock investment choices. In addition, the results of the study show that the risk attitude only affects stock preference investment preferences and only moderates (strengthens) the financial attitude towards mutual fund investment choice preferences."

"Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan yang mencakup tiga dimensi pengukuran yaitu financial knowledge, financial behavior, dan financial attitude terhadap minat lenders untuk melakukan investasi di Peer-to-Peer Syariah dengan digital literacy sebagai variabel moderasi. Data penelitian ini diolah dengan metode regresi linear berganda menggunakan software IBM SPSS Statistics versi 29. Penelitian ini melibatkan 104 responden yang merupakan lenders aktif ALAMI Sharia dalam kurun waktu Desember 2022 – Mei 2023. Hasil penelitian menunjukkan bahwa financial behavior memiliki pengaruh positif signifikan terhadap minat investasi para lenders, sedangkan financial knowledge dan financial attitude tidak memiliki pengaruh signifikan terhadap minat investasi. Selain itu tidak ditemukan bukti bahwa digital literacy memoderasi secara signifikan hubungan antara financial knowledge dengan minat investasi para lenders Peer-to-Peer Lending Syariah.......This study aims to determine the effect of financial literacy which includes three measurement dimensions, namely financial knowledge, financial behavior, and financial attitudes on lenders' intentions to invest in Sharia Peer-to-Peer with digital literacy as a moderating variable. The research data was processed using the multiple linear regression method using IBM SPSS Statistics version 29 software. This study involved 104 active ALAMI Syariah lenders for the period December 2022 – May 2023. The results showed that financial behavior had a positive significant effect on the lender's investment intentions, while financial knowledge and financial attitudes have no significant effect on the intention of the lender. In addition, there is no evidence that digital literacy significantly moderates the relationship between financial knowledge and investment intention of the lender."

"Penelitian ini bertujuan untuk menganalisis tingkat literasi keuangan kaum mudadi Provinsi Jawa Barat dan Jawa Timur selama pandemi COVID-19. Penelitian literasikeuangan di kalangan dewasa muda sangat penting dilakukan karena mereka beradadalam masa transisi hidup, dimana mereka mulai berhenti dalam pengawasan orang tuadan mengelola masalah keuangan pribadi mereka sendiri. Di sisi lain, masih banyak kaummuda yang finansialnya rentan dan hal ini diperparah oleh adanya pandemi COVID-19.Variabel literasi keuangan pada penelitian ini diukur dengan financial knowledge,financial behavior, dan financial attitude. Penelitian ini menggunakan pendekatankuantitatif dengan metode survei dengan total responden 168 orang. Penelitian dilakukandengan analisis statistik deskriptif dengan alat bantu SPSS 25. Hasil penelitianmenunjukkan bahwa tingkat literasi keuangan kaum muda di Provinsi Jawa Barat danJawa Timur selama pandemi COVID-19 tergolong tinggi pada dimensi financial behaviordan financial attitude, yaitu 4,9 dari 6 dan 2,78 dari 6. Namun pada dimensi financialknowledge menunjukkan hasil yang rendah, yaitu 0,46 dari 1.......This study aims to analyze the financial literacy level of youth in West Java andEast Java provinces during the COVID-19 pandemic. Research on financial literacyamong young adults is very important because they are in a life transition period, wherethey begin to stop being supervised by their parents and manage their own personalfinancial problems. On the other hand, there are still many young people who arefinancially vulnerable and this is exacerbated by the COVID-19 pandemic. Financialliteracy variables in this study were measured by financial knowledge, financial behavior,and financial attitude. This study uses a quantitative approach with a survey method witha total of 168 respondents. The study was conducted using descriptive statistical analysisusing the SPSS 25 tool. The results showed that the level of financial literacy of youngpeople in the provinces of West Java and East Java during the COVID-19 pandemic washigh in the dimensions of financial behavior and financial attitude, namely 4.9 out of 6and 2.78 out of 6. However, the financial knowledge dimension shows low results, namely0.46 out of 1."

"Penelitian ini bertujuan untuk mengetahui tingkat literasi keuangan, tingkat persepsi risiko, dan preferensi pilihan investasi pada generasi milenial di lima Kotamadya Jakarta. Variabel literasi keuangan pada penelitian ini menggunakan alat ukur pada financial knowledge, financial behavior, dan financial attitude. Persepsi risiko menggunakan alat ukur pada risk propensity dan risk aversion. Preferensi pilihan investasi dalam hal ini dilihat melalui pilihan prioritas generasi milenial dari instrumen investasi yang digunakan pada penelitian ini yaitu saham, reksadana, obligasi, emas, deposito, valuta asing, properti, dan peer to peer lending. Penelitian ini menggunakan metode penelitian kuantitatif dengan total responden 148 orang dan diolah menggunakan metode analisis statistik deskriptif dengan alat bantu SPSS. Hasil dari penelitian ini menunjukkan generasi milenial di lima Kotamadya Jakarta memiliki tingkat literasi keuangan dan persepsi risiko yang tinggi, serta memiliki preferensi pilihan investasi pada investasi saham.......This study aims to determine the level of financial literacy, level of risk perception, and investment preferences among the millennial generation in five cities of Jakarta. The financial literacy variable in this study uses measurement tools for financial knowledge, financial behavior, and financial attitude. Risk Perception uses a measuring tool for risk propensity and risk aversion. The investment preferences, in this case, is seen through the priority choices of the millennial generation of investment instrumens used in this study, stocks, mutual funds, bonds, gold, deposits, foreign exchange, property, and peer to peer lending. This research uses quantitative research methods with a total of 148 respondents and is processed using descriptive statistical analysis methods with SPSS tools. The results of this study indicate that the millennial generation in the five municipalities of Jakarta has a high level of financial literacy and high level of risk perception, and has a preference for investment options in stock investment."