ANALISA FAKTOR – FAKTOR YANG MEMPENGARUHI GEN– Z DALAM MENENTUKAN KEPUTUSAN INVESTASI
DOI:
https://doi.org/10.22225/kr.16.2.2025.345-353Keywords:
Investment Decision, Confidence, Independence, Personal MotivationAbstract
This study explores the factors that influence investment decisions among Generation Z in Indonesia.
Through a qualitative approach, data was obtained from literature review, observation, and in-depth
interviews with 10 Generation Z respondents aged 21-27. This research utilizes the Self-Determination
Theory (SDT) framework that includes aspects of personal motivation, social influence, self-confidence,
independence, social relationships, and external factors. The research findings reveal that Generation Z's
investment decisions are driven by the motivation to achieve financial stability, overcome future-related
concerns, and recommendations from friends and family. Social media and influencers play an important
role in shaping their investment preferences. The level of confidence in investing is influenced by the
education provided by investment platforms and individual experience. While independence is a key
aspect, community input is still considered important. External factors, such as platform promotions and
economic information, also have a significant influence on investment decisions.The study concludes that
Generation Z integrates social influences and personal preferences in the investment decision-making
process, with a focus on autonomy and achieving long-term financial goals.
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