Bagaimana Literasi Keuangan Hijau Memengaruhi Perilaku Investasi Berkelanjutan? : Bukti dari Investor Milenial Indonesia
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Abstract
Kesenjangan terjadi antara tingginya kepedulian lingkungan dan rendahnya partisipasi investasi berkelanjutan di kalangan investor milenial Indonesia, diduga karena lemahnya literasi keuangan hijau. Penelitian ini bertujuan menguji pengaruh literasi keuangan hijau terhadap perilaku investasi berkelanjutan serta peran mediasi faktor psikologis dan sosial. Metode yang digunakan adalah kuantitatif dengan sampel 400 responden milenial Indonesia berusia 29–44 tahun yang dipilih secara purposive. Data dikumpulkan melalui kuesioner online dan dianalisis menggunakan SmartPLS. Hasil penelitian menunjukkan literasi keuangan hijau berpengaruh positif signifikan terhadap perilaku investasi berkelanjutan. Faktor psikologis (motivasi intrinsik, persepsi risiko, nilai lingkungan) dan faktor sosial (norma subjektif, pengaruh komunitas) terbukti memediasi hubungan tersebut secara signifikan. Karakteristik demografis seperti pendidikan, pendapatan, pengalaman investasi, dan akses digital juga memoderasi hubungan tersebut. Temuan ini menegaskan bahwa peningkatan literasi keuangan hijau saja tidak cukup; diperlukan pendekatan terpadu yang menyentuh aspek psikologis dan sosial. Implikasinya, program edukasi dan kebijakan publik perlu dirancang secara lebih kontekstual untuk mendorong investasi berkelanjutan di kalangan milenial Indonesia.
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