PENGARUH DIGITAL FINANCE DAN LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI RAMAH LINGKUNGAN (STUDI PADA WARGA RW 08)
Keywords:
Digital Finance, Literasi Keuangan, Keputusan Investasi Ramah Lingkungan, KuantitatifAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh Digital Finance dan Literasi Keuangan terhadap Keputusan Investasi Ramah Lingkungan pada masyarakat RW 08 Karang Anyar, Jakarta Pusat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui penyebaran kuesioner berbasis skala Likert kepada 100 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan perangkat lunak IBM SPSS Statistics versi 27, disertai dengan uji validitas, reliabilitas, uji asumsi klasik, uji t, uji F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa Digital Finance dan Literasi Keuangan berpengaruh positif dan signifikan terhadap Keputusan Investasi Ramah Lingkungan, baik secara parsial maupun simultan. Nilai koefisien determinasi (R²) sebesar 0,328 menunjukkan bahwa 32,8% variasi keputusan investasi ramah lingkungan dapat dijelaskan oleh kedua variabel tersebut, sedangkan sisanya dipengaruhi oleh faktor lain di luar model penelitian.
Hasil penelitian diharapkan dapat menjadi dasar dalam pengembangan kebijakan dan program literasi keuangan berkelanjutan di tingkat masyarakat.
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