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MODEL INVESTASI GEN Z: E-MAS, SAHAM, DAN DEPOSITO

KEUDA (Jurnal Kajian Ekonomi dan Keuangan Daerah) · Vol. 11 No. 1 (2026) · pp. 18–33

DOI
10.52062/keuda.v11i1.5145
ISSN
2581-0286, 2477-7838
Published
2026-05-25
Publisher
Universitas Cenderawasih
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

Technological advances and easy access to information have driven significant changes in people's investment behavior, especially among Generation Z. This generation is known as digital natives who are very familiar with technology, but still face challenges in financial management and choosing the right investment instruments. This study aims to examine the digital investment models that are popular among Generation Z, namely E-gold, stocks, and deposits, as well as the factors that influence their preferences. The method used is a literature study with a qualitative descriptive approach, referring to relevant literature and secondary data. The results of the study show that E-gold offers convenience and flexibility, stocks are attractive to those who are oriented towards asset growth, while deposits remain in demand because of their stability and security. Financial literacy and typical characteristics of Gen Z, such as high-tech capabilities and multitasking tendencies, also influence their investment behavior. These findings are expected to be the basis for designing more effective financial education and inclusion strategies for the younger generation.

Collaboration network of the authors

17 authors · 37 co-authorship links · 3 across different organisations

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Mercu Buana Yogyakarta
  • Lambung Mangkurat University
  • Institut Agama Islam Negeri Kendari
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Abd. RahmanAffiliation unknown3
Haura Mudya MayshaAffiliation unknown3
Muhammad RifqiUniversitas Mercu Buana Yogyakarta1
Rudy HertenoLambung Mangkurat University1
Friska AbadiLambung Mangkurat University1
Radityo Adi NugrohoAffiliation unknown1
Setyo Wahyu SaputroAffiliation unknown1
Juwita JuwitaInstitut Agama Islam Negeri Kendari1
Eka Merdekawati DjafarAffiliation unknown1
Andi SagiraAffiliation unknown1
Andi BudimanAffiliation unknown1
AdrianAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ejournal.uncen.ac.id/index.php/KEUDA/oai, first harvested 1 Nov 2026, last seen 1 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">MODEL INVESTASI GEN Z : E-MAS, SAHAM, DAN DEPOSITO</dc:title>
	<dc:creator>Maulania, Magfira Izzani</dc:creator>
	<dc:creator>M. Wawan Gunawan</dc:creator>
	<dc:creator>Ria Septiani</dc:creator>
	<dc:creator>Nurtarisya Firly Ramadhani</dc:creator>
	<dc:creator>Muhammad Fikri</dc:creator>
	<dc:description xml:lang="en-US">Technological advances and easy access to information have driven significant changes in people's investment behavior, especially among Generation Z. This generation is known as digital natives who are very familiar with technology, but still face challenges in financial management and choosing the right investment instruments. This study aims to examine the digital investment models that are popular among Generation Z, namely E-gold, stocks, and deposits, as well as the factors that influence their preferences. The method used is a literature study with a qualitative descriptive approach, referring to relevant literature and secondary data. The results of the study show that E-gold offers convenience and flexibility, stocks are attractive to those who are oriented towards asset growth, while deposits remain in demand because of their stability and security. Financial literacy and typical characteristics of Gen Z, such as high-tech capabilities and multitasking tendencies, also influence their investment behavior. These findings are expected to be the basis for designing more effective financial education and inclusion strategies for the younger generation.
&amp;nbsp;</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Cenderawasih</dc:publisher>
	<dc:date>2026-05-25</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ejournal.uncen.ac.id/index.php/KEUDA/article/view/5145</dc:identifier>
	<dc:identifier>10.52062/keuda.v11i1.5145</dc:identifier>
	<dc:source xml:lang="en-US">KEUDA (Jurnal Kajian Ekonomi dan Keuangan Daerah); Vol. 11 No. 1 (2026); 18-33</dc:source>
	<dc:source xml:lang="id-ID">KEUDA (Jurnal Kajian Ekonomi dan Keuangan Daerah); Vol 11 No 1 (2026); 18-33</dc:source>
	<dc:source>2581-0286</dc:source>
	<dc:source>2477-7838</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ejournal.uncen.ac.id/index.php/KEUDA/article/view/5145/3650</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2026 KEUDA (Jurnal Kajian Ekonomi dan Keuangan Daerah)</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>