Published: 2025-12-01
Strategi Investasi Milenial Dalam Mengelola Portofolio Keuangan di Era Digital
DOI: 10.35870/jemsi.v11i6.4860
Abstract
This study aims to formulate appropriate investment strategies for managing financial portfolios among the millennial generation. The method used in this research is SWOT analysis (Strengths, Weaknesses, Opportunities, Threats), combined with the IFAS (Internal Factor Analysis Summary) and EFAS (External Factor Analysis Summary) matrices to identify internal and external factors that influence millennials' investment decisions. Data were collected through questionnaires and indicator weighting by determining the IFAS and EFAS matrices, involving 83 respondents who are actively using digital platforms for investment, within the millennial age range of 28–43 years. Data processing was conducted using SPSS (Statistical Program for Social Science). The results of the analysis show that enhancing financial literacy knowledge is fundamental for investment, especially for millennials who often make decisions without fully considering the associated risks and benefits. The use of technology, alongside rapid technological development, has significantly facilitated access to various types of information and helped individuals define their investment goals more clearly.
Keywords
Investment; Financial Portfolio; Millennial Generation; SWOT; IFAS; EFAS
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
-
Issue: Vol. 11 No. 6 (2025)
-
Section: Articles
-
Published: 2025-12-01
-
License: CC BY 4.0
-
Copyright: © 2025 Authors
-
DOI: 10.35870/jemsi.v11i6.4860
AI Research Hub
This article is indexed and available through various AI-powered research tools and citation platforms. Our AI Research Hub ensures that scholarly work is discoverable, accessible, and easily integrated into the global research ecosystem.
Luthfiyah Mahrani, Universitas Muhammadiyah Palopo
Universitas Muhammadiyah Palopo.
Jumawan Jasman, Universitas Muhammadiyah Palopo
Universitas Muhammadiyah Palopo.
Putri Dewintari, Universitas Muhammadiyah Palopo
Universitas Muhammadiyah Palopo.
-
Aditya Rian Ramadhan, Perli Iswanto, & Didin Hikmah Perkasa. (2023). Analisis portofolio optimal saham indeks Infobank 15 dengan model Markowitz untuk pengambilan keputusan investasi pasca pandemi Covid-19. Jurnal Akuntansi Dan Manajemen iBisnis, 3(3), 53–60. https://doi.org/10.56127/jaman.v3i3.1093.
-
Batubara, M., Aditi, B., & Hidayah, A. N. (2021). Pengaruh strategi investasi terhadap pengelolaan investasi. JaManKu, 3(1), 23–34.
-
Eriana, L. A., & R. M. P. M. (2023). Investasi saham dengan uang receh sebagai upaya sadar investasi mahasiswa milenial di era digital. Prosiding Seminar Nasional Universitas Pekalongan, 1(1), 42–51.
-
Firdaus, D. A., & S. (2022). Pengaruh investasi milenial terhadap pengelolaan keuangan milenial. Prosiding FRIMA (Festival Riset Ilmiah Manajemen Dan Akuntansi), 6681(3), 516–531. https://do.org/10.55916/frima.v03.319.
-
Gumelar, N. A. (2021). Perbandingan strategi investasi dengan pendekatan Moving Average Convergence Divergence (MACD) dan Buy and Hold dalam menghasilkan return saham (Studi pada perusahaan yang terdaftar pada Indeks LQ-45 periode 2009-2016). Jurnal Manajemen Indonesia.
-
Imran, A. M., et al. (2024). Perencanaan strategi SI/TI pada aplikasi SEABANK menggunakan kombinasi SWOT dan AHP. Jurnal CoSciTech (Computer Science and Information Technology), 5(1), 49–55.
-
Junevensia, G., & Giriati, G. (2019). Analisis portofolio dan kinerja keuangan. OPTIMISM Journal of Management Business, 1(1), 64–80.
-
Kusumaningtyas, I., Hakim, L., & Harti, H. (2022). Pengaruh literasi keuangan dan inklusi keuangan terhadap perilaku investasi guru ekonomi SMA/MA Kota Surabaya. Jurnal Ekonomi Pendidikan Dan Kewirausahaan, 10(2), 141–154. https://doi.org/10.26740/jepk.v10n2.p141-154.
-
Liestyowati, L., Possumah, L. M., Yadasang, R. M., & Ramadhani, H. (2023). Pengaruh diversifikasi portofolio terhadap pengelolaan risiko dan kinerja investasi: Analisis pada investor individu. Jurnal Akuntansi Dan Keuangan West Science, 2(03), 187–194. https://doi.org/10.58812/jakws.v2i03.642.
-
Pratiwi, F. D., Paramita, R. W. D., & Taufiq, M. (2023). Jurnal Riset Akuntansi, 1*(1), 78–87. https://doi.org/10.29303/aksioma.v23i2.430.
-
Prihatingsih, (2022). Strategi investasi saham di Bursa Efek Indonesia dengan analisis teknikal. Jurnal Aktual Akuntansi Keuangan Bisnis Terapan, 5(2), 198–208.
-
Rahman, A. A. (2023). Perencanaan strategis pada perusahaan digital rintisan (startup): Studi kasus siber teknologi Indonesia. Jurnal Ekonomika dan Manajemen, 12(2), 133–148.
-
Reynaldi, M. (2024). Pengaruh literasi keuangan dan familiarity bias terhadap keputusan investasi investor Yogyakarta di platform investasi digital. JABE (Journal of Applied Business and Economic), 15(1), 37–48.
-
Rikantasari, S., & Kholishudin, K. (2022). Strategi investasi generasi milenial dalam masa pemulihan ekonomi pasca pandemi Covid-19. JPSDa: Jurnal Perbankan Syariah Darussalam, 2(2), 197–207. https://doi.org/10.30739/jpsda.v22.1654.
-
Rosita, R., Jumawan Jasman, & Asriany, A. (2023). Pengaruh literasi keuangan dan financial technology terhadap minat mahasiswa dalam berinvestasi. Pengaruh Literasi Keuangan dan Financial Technology terhadap Minat Mahasiswa dalam Berinvestasi, 5(4), 2789–2798.
-
Saleh, G., & Pitriani, R. (2020). Pengaruh investasi milenial terhadap portofolio keuangan generasi milenial. Jurnal Komunikasi, 10(2), 103. https://doi.org/10.24912/jk.v102.2673.
-
Sinaga, M. H., Tarigan, W. J., & Saragih, M. (2022). Pengukuran kinerja portofolio investasi dengan menggunakan Indeks Sharpe pada emiten sektor transportasi dan logistik yang terdaftar di Bursa Efek Indonesia sebelum dan selama masa pandemi Covid-19. Owner, 6(4), 3541–3552. https://doi.org/10.33395/owner.v64.1200.
-
Sugiyono. (2022). Metodologi penelitian kuantitatif. Journal of Social Research, 1(6), 556–566. https://doi.org/10.55324/josr.v16.112.
-
Sutisman, E. (2023). Analisis portofolio saham sebagai dasar pertimbangan investasi pada perusahaan yang terdaftar di Bursa Efek Indonesia (Studi kasus penggunaan model indeks tunggal pada saham LQ-45). Jurnal Future, 28–41.
-
Suwardhana, A. S. P. A., Permatasari, D. A., & Lestianika, F. I. (2023). Studi strategi generasi Z dalam memilih keputusan investasi saham. Prosiding Capital Market Competition, 2(2023), 294–311.
-
Teuku, T. F., Zuliana Zulkarnen, & Zulkifli Taib. (2023). Strategi pengelolaan keuangan menggunakan aplikasi e-wallet pada pelaku bisnis coffee shop Kota Medan di era digitalisasi. Jurnal Investasi Islam, 8(1), 39–57. https://doi.org/10.32505/ji.v81.6142.
-
Wahyuni, A., & Satria, D. (2024). Dampak investasi portofolio terhadap nilai tukar di Indonesia. Media Riset Ekonomi Pembangunan (MedREP), 1(2), 121–135.
-
Yusuf, M. (2022). Pengaruh kemajuan teknologi dan pengetahuan terhadap minat generasi milenial dalam berinvestasi di pasar modal. Jurnal Dinamika Manajemen Dan Bisnis, 2(2), 86–94. https://doi.org/10.21009/jdmb.02.2.3.
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.