PENGARUH INKLUSI KEUANGAN, LITERASI KEUANGAN DAN PREFERENSI RISIKO TERHADAP MINAT INVESTASI PASAR MODAL (Studi Kasus Pada Komunitas Investor Saham Pemula (ISP)

Righan Agachi, Muhammad (2025) PENGARUH INKLUSI KEUANGAN, LITERASI KEUANGAN DAN PREFERENSI RISIKO TERHADAP MINAT INVESTASI PASAR MODAL (Studi Kasus Pada Komunitas Investor Saham Pemula (ISP). S1 thesis, Universitas Muhammadiyah Ponorogo.

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Abstract

This study examines the influence of financial inclusion, financial literacy, and risk preferences on capital market investment interest, focusing on the Beginner Stock Investor (ISP) community. The scope of the study covers the behavior and interest of ISP community members in investing in the capital market, which is influenced by their level of financial access, financial knowledge, and risk tolerance. The main objective of this study is to determine the extent to which these three independent variables, both partially and simultaneously, influence a person's interest in investing in the capital market.
This study employed a quantitative approach with a survey method using a Google Form-based questionnaire. A sample of 100 respondents was obtained using purposive sampling from a total population of 7,261 ISP community members in Telegram and WhatsApp groups as of April 2025. Data were analyzed using data quality testing, multiple linear regression, and hypothesis testing (t-test and F-test) to examine the relationship between variables and measure the contribution of each variable to capital market investment interest.
The results of the study indicate that financial inclusion and financial literacy have a positive and significant effect on capital market investment interest partially, while risk preference has no significant effect. Simultaneously, the three variables have a significant effect on investment interest, with an R² value of 0.435, indicating that 43.5% of the variation in investment interest can be explained by these three variables. The first hypothesis test (H1) states that financial inclusion has a significant effect on investment interest, and is accepted. The second hypothesis (H2), namely that financial literacy has a significant effect on investment interest, is also accepted. Meanwhile, the third hypothesis (H3) regarding the effect of risk preference on investment interest is rejected because it does not show a significant effect partially.
Keywords: Financial Inclusion, Financial Literacy, Risk Preference, Investment Interest, Capital Market, Beginner Stock Investor Community

Item Type:	Thesis (S1)
Uncontrolled Keywords:	Financial Inclusion, Financial Literacy, Risk Preference, Investment Interest, Capital Market, Beginner Stock Investor Community
Subjects:	L Education > L Education (General)
Divisions:	Faculty of Economic > Department of Accounting
Depositing User:	Muhammad Righan Agachi
Date Deposited:	19 Aug 2025 02:00
Last Modified:	05 Nov 2025 02:39
URI:	https://eprints.umpo.ac.id/id/eprint/16998

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