PENGARUH LITERASI KEUANGAN, PERSEPSI RISIKO, DAN FOMO TERHADAP NIAT INVESTASI CRYPTOCURRENCY
DOI:
https://doi.org/10.24843/BSE.2026.v31.i01.p09Keywords:
Cryptocurrency, FOMO, Literasi Keuangan, Niat Investasi, Persepsi Risiko, Financial Literacy, Investment Intention, Risk PerceptionAbstract
Perkembangan cryptocurrency terus mendorong peningkatan partisipasi generasi muda, meskipun tren ini selalu dibayangi oleh volatilitas pasar yang ekstrem dan dominasi bias emosional. Mengingat tingginya potensi kerugian finansial akibat bias tersebut, kajian mengenai niat investasi menjadi sangat krusial sebagai langkah antisipatif sebelum perilaku investasi berisiko benar-benar direalisasikan. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, persepsi risiko, dan fear of missing out (FOMO) terhadap niat investasi cryptocurrency masyarakat di Kota Mataram. Penelitian ini menggunakan pendekatan kuantitatif dengan melibatkan 100 responden yang dipilih melalui metode purposive sampling. Analisis data kuesioner dilakukan menggunakan perangkat lunak SmartPLS 4 melalui pendekatan Partial Least Squares-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa persepsi risiko berdampak negatif dan signifikan terhadap niat investasi. Sebaliknya, literasi keuangan dan FOMO terbukti memiliki pengaruh positif dan signifikan terhadap niat investasi. Temuan ini menegaskan relevansi Theory of Planned Behavior dan Prospect Theory, serta memberikan rekomendasi bagi pemangku kepentingan untuk meningkatkan program edukasi keuangan guna membantu masyarakat membuat keputusan investasi yang lebih rasional.
The development of cryptocurrency continues to drive increased participation among the younger generation, although this trend is consistently shadowed by extreme market volatility and the dominance of emotional biases. Given the high potential for financial losses stemming from these biases, studying investment intention is crucial as an anticipatory measure before risky investment behaviors are actually realized. Therefore, this study aims to analyze the effect of financial literacy, risk perception, and fear of missing out (FOMO) on cryptocurrency investment intention among the public in Mataram City. This research employs a quantitative approach involving 100 respondents selected through a purposive sampling method. Questionnaire data were analyzed using SmartPLS 4 software through the Partial Least Squares-Structural Equation Modeling (PLS-SEM) approach. The results indicate that risk perception has a negative and significant impact on investment intention. Conversely, financial literacy and FOMO are proven to have a positive and significant effect on investment intention. These findings affirm the relevance of the Theory of Planned Behavior and Prospect Theory, providing recommendations for stakeholders to enhance financial education programs to help the public make more rational investment decisions.
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