Electronic Theses and Dissertation

Abstrak investasi merupakan salah satu cara yang dilakukan masyarakat guna menjaga nilai uang dan menambah aset. penelitian ini bertujuan untuk mengetahui pengaruh herding, pendapatan, dan literasi keuangan terhadap keputusan berinvestasi eoa gold pada masyarakat kota banda aceh. data penelitian diperoleh dari data primer dan sekunder dengan jenis penelitian kuantitatif. data primer diperoleh dari 119 responden yang didapat melalui teknik non-probability sampling dengan rumus hair. data analisis menggunakan uji regresi berganda melalui spss guna mengetahui pengaruh antar variabel. hasil penelitian menunjukkan secara parsial herding dan literasi keuangan berpengaruh positif dan signifikan, sedangkan pendapatan tidak berpengaruh terhadap keputusan berinvestasi. secara simultan pendapatan, herding, dan literasi keuangan berpengaruh signifikan terhadap keputusan masyarakat kota banda aceh dalam berinvestasi eoa gold. harga emas yang cenderung fluktuatif menjadikan masyarakat mengambil kesempatan berinvestasi pada saat harga turun meskipun pendapatan yang relatif tetap. kata kunci: herding, pendapatan, literasi keuangan, keputusan berinvestasi

ABSTRACT Investment is one of the methods used by society to preserve the value of money and increase assets. This study aims to determine the influence of herding, income, and financial literacy on investment decisions in EOA Gold among the people of Banda Aceh. The research data were obtained from primary and secondary sources, using a quantitative research approach. Primary data were collected from 119 respondents through non-probability sampling using the Hair formula. The data analysis was conducted using multiple regression tests via SPSS to examine the relationships between variables.The results of the study show that herding and financial literacy have a positive and significant partial effect, while income has no effect on investment decisions. Simultaneously, income, herding, and financial literacy significantly influence the investment decisions of Banda Aceh residents in EOA Gold. The fluctuating gold prices encourage people to seize the opportunity to invest when prices decrease, even with relatively stable incomes. Keywords: Herding, Income, Financial Literacy, Invesment Decision