PENGARUH FINANCIAL INFLUENCER DAN FOMO TERHADAP KEPUTUSAN INVESTASI MAHASISWA MELALUI LITERASI KEUANGAN

Daniel Fonseca

doi:10.69957/grjb.v5i03.2281

Authors

Daniel Fonseca Institut Teknologi dan Bisnis Sabda Setia

DOI:

https://doi.org/10.69957/grjb.v5i03.2281

Keywords:

Financial Influencer, FOMO, Literasi Keuangan, Keputusan Investasi, Mahasiswa

Abstract

Meningkatnya partisipasi mahasiswa dalam investasi digital telah menimbulkan kekhawatiran mengenai pengaruh psikologis dan sosial yang membentuk perilaku keuangan mereka. Penelitian ini menginvestigasi pengaruh financial influencer dan fear of missing out (FOMO) terhadap keputusan investasi di kalangan mahasiswa di Pontianak, dengan literasi keuangan sebagai variabel mediasi. Dengan menggunakan teknik kuantitatif berbasis kuesioner terstruktur yang diberikan kepada sampel purposif sebanyak 100 mahasiswa, penelitian ini dilandasi oleh Teori Keuangan Perilaku (Behavioral Finance Theory). Untuk mengevaluasi korelasi langsung dan tidak langsung, data dianalisis menggunakan PLS-SEM (Partial Least Squares Structural Equation Modeling). Hasil penelitian menunjukkan bahwa FOMO secara signifikan memengaruhi keputusan investasi secara langsung, sementara financial influencer tidak. Meskipun demikian, baik FOMO maupun financial influencer memiliki pengaruh signifikan terhadap literasi keuangan, yang pada gilirannya menjadi prediktor kuat bagi keputusan investasi yang rasional. Analisis mediasi mengonfirmasi peran sentral literasi keuangan dalam mentransformasi tekanan emosional dan sosial menjadi tindakan keuangan yang terinformasi. Temuan ini menggarisbawahi pentingnya peningkatan pendidikan keuangan sebagai langkah preventif terhadap perilaku investasi impulsif yang didorong oleh tren media sosial. Penelitian di masa depan didorong untuk menggunakan data longitudinal dan mengeksplorasi faktor mediasi tambahan seperti literasi digital atau kepercayaan terhadap influencer.

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