Hubungan Literasi Keuangan dengan Minat Investasi Generasi Muda

Didit Darmawan; Rahayu Mardikaningsih

Authors

Didit Darmawan Universitas Sunan Giri Surabaya
Rahayu Mardikaningsih Universitas Sunan Giri Surabaya

Keywords:

financial literacy, investment intention, young adults, stock market participation, saving behavior

Abstract

This study examines how financial literacy influences investment intention among young adults through a qualitative library. Financial literacy reduces information costs, improves risk perception, and enhances self confidence in making investment decisions. Literate individuals are more likely to participate in stock markets. Literacy and wealth are jointly determined over the life cycle. Young adults with higher literacy understand compound interest, diversification, and risk return trade offs, leading to stronger intentions to invest. Parental communication about money matters predicts saving and investment behavior among teenagers. Early intervention through school based programs integrated with math curriculum produces lasting effects on financial capability. Technology assisted decision support complements formal literacy training in bridging the gap between knowledge and action. Closing the gender gap in financial literacy requires building confidence alongside knowledge transfer.

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