Pengaruh Perencanaan Keuangan, Kemampuan Finansial dan Risiko Investasi terhadap Minat Investasi Emas pada Aplikasi DANA : Studi Kasus Pada Generasi Z Pakisjaya Karawang

Widiah Anggraini; Sihabudin Sihabudin; Robby Fauji

doi:10.30640/jmcbus.v4i2.6107

Authors

Widiah Anggraini Universitas Buana Perjuangan Karawang
Sihabudin Sihabudin Universitas Buana Perjuangan Karawang
Robby Fauji Universitas Buana Perjuangan Karawang

DOI:

https://doi.org/10.30640/jmcbus.v4i2.6107

Keywords:

Financial Expertise, Financial Planning, Generation Z, Gold Investment Interest, Investment Risk

Abstract

This study aims to determine how financial planning, financial capability, and investment risk influence Generation Z in Pakisjaya District, Karawang Regency, to determine how financial planning, financial capability, and investment risk influence their desire to invest in gold through the DANA app. This study utilized a quantitative approach using descriptive and verification techniques. A sample of 96 respondents was selected through purposive sampling, and a questionnaire was used for data collection. IBM SPSS software was used to conduct multiple linear regression data analysis. The results indicate that financial planning, financial capability, and investment risk partially have a positive and significant effect on gold investment interest. Furthermore, simultaneous testing results indicate that all three independent variables significantly influence gold investment interest, with a coefficient of determination of 83.3%. These results indicate that Generation Z is more interested in gold investment due to the following factors: sound financial planning, sufficient financial capability, and an understanding of investment risk. Furthermore, this research is expected to help develop digital investment studies and serve as a practical reference for Generation Z in making more planned and logical investment decisions.

References

Arum. (2023). Pengaruh literasi keuangan, perencanaan keuangan, dan gaya hidup terhadap kesejahteraan masyarakat di Kelurahan Sidomulyo Barat Kota Pekanbaru.

Asrifah, Y. N., & Rapini, T. (2022). Pengaruh pengetahuan investasi, kemampuan finansial, dan lingkungan keluarga terhadap minat investasi mahasiswa. J-MACC, 6(2), 1–9. https://doi.org/10.52166/j-macc.v6i1.4153

Bayuputra, R., & Samudro. (2021). Indonesia Investment Authority. 12160(7), 2–6.

Fadilla, & Khalidin, R. (2021). The effect of SBI levels on price stability sharia shares in sharia capital market according to the perspective of syirkah. Dusturiyah. https://doi.org/10.22373/dusturiyah.v11i2.8431

Johan, I. R., & Azariani, S. A. (2025). Risk perception, financial self-efficacy, and interest in gold investment among Gen Z. JIKK, 18(1), 26–37. https://doi.org/10.24156/jikk.2025.18.1.26

Mahanani, F. (2023). A review of sharia economic laws on gold investment in the gold savings feature of the Dana application. 9(01), 1129–1138.

Nurdiansyah, A. (2025). Dana.

Nurfattah, & Mahmudi. (2024). Pengaruh persepsi investasi, keamanan, dan risiko investasi terhadap minat investasi emas digital melalui fitur e-mas pada aplikasi BSI Mobile (studi empiris mahasiswa di Purwokerto).

Putri, S., Sihabudin, R. F., & (2025). The influence of economic uncertainty, investment knowledge, and investment motivation on Gen Z’s interest in precious metal gold investment (study on university students in Karawang). 6(4), 3949–3962.

Sari, M. P., Irdhayanti, E., History, A., Perencanaan, P., Keuangan, S., & Keuangan, P. (2022). Perencanaan keuangan pada mahasiswa. Economina, 1(November). https://doi.org/10.55681/economina.v1i3.100

Tamam, A. B., & Ihsanuddin, M. (2023). Pengaruh literasi keuangan dan kemampuan finansial terhadap minat mahasiswa dalam investasi saham syariah. Al-Musthofa, 6, 46–57. https://doi.org/10.58518/al-musthofa.v6i1.1678

Trisnaningsih, & Sihabudin, R. F. (2022). Pengaruh influencer dan literasi keuangan terhadap minat investasi mahasiswa. JBE, 3(2), 82–89. https://doi.org/10.47065/jbe.v3i2.1705

Wawan, A. D. E. (2024). Pengaruh pengetahuan, keamanan, dan persepsi risiko investasi terhadap minat berinvestasi tabungan e-mas digital.

Yerianto, M. M. (2024). Perilaku keuangan pada pelaku UMKM batik di Jimea. Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi), 8(1), 1063–1079. https://doi.org/10.31955/mea.v8i1.3793