Gaya Gaya Investasi Generasi Milenial Pendidik Non-PNS di Kabupaten Nganjuk

Abstract

The teaching profession in Nganjuk Regency is in great demand by the millennial generation, but this generation has not yet been appointed as ASN, so the average income earned is far below the minimum wage for Nganjuk Regency. On the other hand, many of the educators have other sources of income and have a habit of buying gold jewelry when earning additional income. Therefore, this study aims to identify the investment style of the millennial generation, especially non-PNS educators in Nganjuk Regency. The research method used is a qualitative method with a phenomenological approach. Research data collection techniques using in-depth interviews and observation techniques. The results of this study state that the type of investment chosen by the millennial generation with low income is gold jewelry, gold precious metals, creating a reseller system in their business and investing in stocks. The investment strategy used is without saving. If the income is excessive, it will buy assets that can hedge the money earned. The strategy used by educators who invest in stocks is to save excess income in a stock account so that they can immediately buy shares when the time is right. The Covid-19 pandemic has not had much of an impact on the investment strategy of educators in Nganjuk Regency. For stock investment, they prefer not to buy shares first, even more to sell shares that are considered no longer in surplus.