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Abstrak :
ABSTRAK
Penelitian 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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ABSTRACT
This 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.

Abstrak :
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.