Abstract :
Development financial institution such as Bank is signed there are a kind of
banking product and services that will help the customer to introduce their
profile, an investment product and risk and suitable strategy to do the investment.
Not only performance of company give influence investment decisions but also
psychology can influence their investment
decisions. Bank have a task to arrange
an optimum portfolio for their customer, so they must give an advice to choose the
right investment product based from a
customer necessary and assume customer
behaviour through risk perception, return expectation and risk attitude of
customer. This research examine equation model through correlation of risk
perception and return expectation that examined simultanously to risk attitude
then to decision investment. The data used are primary data that is questionnaires
filled by customer in Bank Mandiri w
ho have criteria in purposive sampling that
domiciled in Surabaya and interview with
the respondent. This research use
analysis Structural Equation Modelling to understand the model used is well. The
result we know an influence of constructs simultanously, also their direct and
indirect effects.
Keywords: Risk perception, risk attitude, return expectation and decision
investment.