Ardella Aswieri

Student of Management

University of Bina Nusantara

Jakarta, Indonesia

Ardella.aswieri@binus.ac.id

Daniel Suharli

Student of Management

University of Bina Nusantara

Jakarta, Indonesia

Daniel.suharli@binus.ac.id

Michelle Aurellia

Student of Management

University of Bina Nusantara

Jakarta, Indonesia

Michelle.aurellia@binus.ac.id

ABSTRACT

Most people assume that investment can provide a profitable output if someone does it right. However, there are still many individuals who do not really understand the meaning of their own investment and they fall from adversity. This happens due to a lack of insight into investing in the capital market and the lack of public knowledge about generating profitable profits in the capital market. This study aims to determine the effect of Financial Literacy and Heuristic Behavior on Perception Risk which has an impact on Generation Z's Investment Decisions during the pandemic. The research sample was 330 respondents of Generation Z in the JABODETABEK area and aged 18 - 24 years. This study uses survey methods and data collection in the form of a questionnaire by google form. The data was processed using WarpPLS version 7.0 software. The result of this study is that there is an influence of Financial Literacy and Heuristic Behavior on Perception Risk which has an impact on Generation Z's Investment Decisions during the pandemic.

Keywords: Financial Literacy, Heuristic Behavior, Perception Risk, Investment Decision

Ardella Aswieri, was born in Jakarta, 26 September 2000. She is currently holding a bachelor's degree at the Bina Nusantara University, currently active as a student in the management study program focusing on Business Organizations as a minor, from 2018 to 2022. He is actively conducting research on his thesis entitled "The Effect of Financial Literacy on Heuristic Behavior impact on Generation Z's investment decisions during the Pandemic". Authors can be contacted via email: ardella.aswieri@binus.ac.id

Daniel suharli, was born in Bekasi, 21 April 2000. He is currently holding a bachelor's degree at the Bina Nusantara University, currently active as a student in the management study program focusing on E-Business as a minor, from 2018 to 2022. He is actively conducting research on his thesis entitled "The Effect of Financial Literacy on Heuristic Behavior impact on Generation Z's investment decisions during the Pandemic". Authors can be contacted via email: daniel.suharli@binus.ac.id

Michelle Aurellia, was born in Tangerang, 15 Maret 2000. She is currently holding a bachelor's degree at the Bina Nusantara University, currently active as a student in the management study program focusing on Business Organizations as a minor, from 2018 to 2022. She is actively conducting research on his thesis entitled "The Effect of Financial Literacy on Heuristic Behavior impact on Generation Z's investment decisions during the Pandemic". Authors can be contacted via email: michelle.aurellia@binus.ac.id

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Daniel Suharli