SKRIPSI DIGITAL
Pengaruh Overconfidence, Literasi Keuangan, dan Toleransi Risiko terhadap Keputusan Investasi Saham Generasi Z di Kota Semarang. = The Influence of Overconfidence, Financial Literacy and Risk Tolerance on Stock Investment Decisions of Gen Z in Semarang City.
This study aims to analyze the influence of overconfidence, financial literacy, and risk toler-ance on Generation Z stock investment decisions in Semarang City. The population of this study consists of active Generation Z individuals in Semarang City who already hold a Single Investor Identification (SID) account for stock trading on the Indonesia Stock Exchange. The sampling technique used is non-probability sampling with a purposive sampling approach, resulting in a final sample of 137 valid respondents. Data were analyzed using multiple linear regression analysis with the assistance of IBM SPSS Statistics software. The results indicate that overconfidence has a positive and significant effect on stock investment decisions, with a standardized coefficient (Beta) of 0.277, a t-count of 4.063, and a significance value of 0.000, so H1 is accepted. Financial literacy has a positive and significant effect, with a stand-ardized coefficient (Beta) of 0.364, a t-count of 5.208, and a significance value of 0.000, so H2 is accepted, making it the most dominant factor among the three variables. Risk tolerance also has a positive and significant effect, with a standardized coefficient (Beta) of 0.303, a t-count of 4.581, and a significance value of 0.000, so H3 is accepted. The simultaneous test also shows that overconfidence, financial literacy, and risk tolerance together have a positive and significant effect on stock investment decisions, with an F-count of 72.297 and a signifi-cance value of 0.000, indicating a significant simultaneous effect. The Adjusted R-Square value of 0.611 indicates that the three independent variables jointly explain 61.1% of the variance in Generation Z stock investment decisions in Semarang City, a figure that falls into the moderate category, close to strong. These findings confirm that overconfidence, financial knowledge, and readiness to bear risk jointly shape the quality of stock investment decisions among young investors.
Keywords: Overconfidence, Financial Literacy, Risk Tolerance, Stock Investment Deci-sion
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