scholarly journals Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa

2020 ◽  
Vol 10 (2) ◽  
pp. 126
Author(s):  
I Wayan Yasa Adi Upadana ◽  
Nyoman Trisna Herawati
Keyword(s):  
Financial Literacy ◽  
Investment Decisions ◽  
Financial Behavior ◽  
Descriptive Data ◽  
Analysis Techniques ◽  
Benchmark Data ◽  
Spss Software ◽  
Regression Tests ◽  
Positive Effect ◽  
Program Version

The purpose of this study is to find out and measure how the influence of Financial Literacy and Financial Behavior on Student Investment Decisions and also the differences in investment decisions between students of Udayana University and Ganesha Education University. This research is quantitative or related to numbers as a benchmark. Data were collected using a questionnaire or questionnaire using random sampling techniques distributed to 200 respondents or students. In this study, researchers used descriptive data analysis techniques, regression tests and t-test different tests with the help of SPSS software program version 24. The results of this study indicate that financial literacy has a positive effect on investment decisions. Financial behavior has a positive effect on investment decisions. The results of this study also showed that there were no differences in student investment decisions

scholarly journals The Impact of Financial Literacy on Investment Decisions Between Saving and Credit: Studies on Sharia Bank Customers in the Special Region of Yogyakarta

2020 ◽  
Vol 3 (4) ◽  
Author(s):  
R. Heru Kristanto HC ◽  
◽  
R. Hendry Gusaptono
Keyword(s):  
Financial Literacy ◽  
Investment Decisions ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Financial Attitudes ◽  
Financial Awareness ◽  
The Impact ◽  
Positive Effect ◽  
Special Region

Investment decision-making will involve cognitive, psychological, social and behavioral aspects. Financial literacy includes financial knowledge, financial behavior, financial awareness and financial attitudes. This study aims to analyze the impact of financial literacy on investment decisions of Sharia Bank customers. The sampling technique uses random sampling on Sharia Bank customers in the Special Region of Yogyakarta, Indonesia. Data analysis using multiple regression. The results reveal that 1) Financial knowledge has a positive effect on investment decisions. 2) Financial behavior has a positive effect on investment decisions. 3) Financial awareness has a positive effect on investment decisions. 4) Financial attitudes has a positive effect on investment decisions.

scholarly journals Analisis Literasi Keuangan, Perilaku Keuangan, Dan Pendapatan Terhadap Keputusan Investasi

2020 ◽  
Vol 8 (3) ◽  
pp. 319-332
Author(s):  
Ulfy Safryani ◽  
Alfida Aziz ◽  
Nunuk Triwahyuningtyas
Keyword(s):  
Data Analysis ◽  
Financial Literacy ◽  
Sampling Methods ◽  
National Development ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Analysis Techniques ◽  
Financial Behaviour

Research is a quantitative study that has a purpose to know the influence of financial literacy, financial behaviour and income to investment decisions. The population in this research is the permanent lecturer Faculty of Economics and Business of National Development University Veteran Jakarta. Samples were taken as many as 80 respondents, with non probability sampling methods, purposive sampling. Data collection is done by spreading the questionnaire to the sample that has been determined through Google form. Data analysis techniques used are analysis methods PLS (Partial Least Square) with Smart software PLS 3.0. The results of this study show that: (1) Financial literacy has an influence on investment decisions with the value of the line coefficient of 0.455; (2) Financial behavior has no influence on investment decisions with the value of the line coefficient 0.165; (3) Revenue has an influence on investment decisions with a line coefficient value of 0.337.       Keywords: Financial Literacy; Financial Behavior;  Income; Investment Decisions

scholarly journals EFEK INTERAKSI LITERASI KEUANGAN DALAM KEPUTUSAN INVESTASI: PENGUJIAN BIAS-BIAS PSIKOLOGI

2021 ◽  
Vol 10 (1) ◽  
pp. 36
Author(s):  
Wendy Wendy
Keyword(s):  
Financial Literacy ◽  
Investment Decisions ◽  
Interaction Model ◽  
Investor Behavior ◽  
Disposition Effect ◽  
Herding Behavior ◽  
Risky Investment ◽  
Managerial Implications ◽  
Comprehensive Manner ◽  
Positive Effect

                                                        ABSTRACTThis research aims to analyze psychological biases that occur when investors make risky investment decisions. There are five behavioral factors analyzed (herding, overconfidence, disposition effect, conservatism, and availability). Financial literacy is used as moderator in analyzing the effect of those bahaviors towards risky investment decisions. This research examines four econometric equations in explaining financial literacy as a moderator. Interaction effect testing is carried out using moderating variable regression. The results show that psychological biases occur in making risky investment decisions. Herding behavior, overconfidence, disposition effect, and conservatism show a positive effect, while availability does not show a significant effect. Testing on the interaction model finds that financial literacy is able to reduce these psychological biases. This finding also explains the managerial implications that investors with high levels of financial literacy have the potential to experience relatively low psychological biases compared to investors with limited levels of financial literacy. In terms of limitations, this research uses a questionnaire survey that has not been able to reveal aspects of investor behavior in a comprehensive manner. In addition, the number of respondents who are more dominated by beginner investors also adds to the limitations in carrying out the generalization.                                                    ABSTRAKRiset ini bertujuan untuk menganalisis bias-bias psikologi yang terjadi ketika pemodal mengambil keputusan investasi berisiko. Terdapat lima faktor perilaku yang dianalisis, yaitu perilaku herding, overconfidence, disposition effect, conservatism, dan availability. Literasi keuangan digunakan sebagai pemoderasi dalam menganalisis pengaruh faktor-faktor keperilakuan tersebut terhadap keputusan investasi berisiko. Riset ini menguji empat persamaan ekonometrika dalam menjelaskan peran literasi keuangan sebagai pemoderasi. Pengujian efek interaksi dilakukan dengan menggunakan regresi variabel moderasi. Hasil analisis menunjukkan bahwa bias-bias psikologi terjadi dalam pengambilan keputusan investasi berisiko. Perilaku herding, overconfidence, disposition effect, dan conservatism menunjukkan pengaruh positif terhadap pengambilan keputusan investasi berisiko, sementara bias availability tidak menunjukkan pengaruh yang bermakna dalam riset ini. Pengujian pada model interaksi menemukan bahwa literasi keuangan mampu mereduksi bias-bias psikologi tersebut. Temuan ini sekaligus menjelaskan implikasi manajerial bahwa pemodal dengan tingkat literasi keuangan yang baik berpotensi mengalami bias-bias psikologi yang relatif lebih rendah dibandingkan pemodal dengan tingkat lietrasi keuangan yang terbatas. Dari sisi keterbatasan, riset ini menggunakan survei kuesioner yang belum mampu mengungkap aspek perilaku pemodal secara komprehensif. Selain itu, jumlah responden yang lebih didominasi oleh pemodal pemula juga menambah keterbatasan dalam melakukan generalisasi hasil penelitian.

scholarly journals Pengaruh Financial Literacy dan Financial Behavior terhadap Keputusan Investasi pada Ibu-Ibu PKK Kota Jambi

2020 ◽  
Vol 5 (2) ◽  
pp. 263
Author(s):  
Indah Mutiara ◽  
Efandri Agustian
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Literacy ◽  
Sampling Method ◽  
Investment Decisions ◽  
Sampling Technique ◽  
T Test ◽  
Financial Behavior ◽  
Primary Data ◽  
Regression Test

This study aims to determine the level of influence of Financial Literacy and Financial Behavior toward investment decisions. The data used in this study are primary data, the sample used in this study were PKK members in Jambi City. The sampling technique was carried out by using purposive sampling method. The results obtained by using multiple linear regression test Y = 2,337 + 0.159 X1 + 0.518 X2, and the test of this study using the f-test, R2-test and t-test. The results of this study indicate that partially the Financial Literacy and Financial Behavior affect investment decisions. 

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (1) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

PENGARUH KEPERCAYAAN, KUALITAS PELAYANAN, MOTIVASI HEDONIS BELANJA TERHADAP MINAT BERTRANSAKSI MENGGUNAKAN APLIKASI LAZADA

2020 ◽  
Vol 4 (2) ◽  
pp. 174
Author(s):  
Gine Das Prena
Keyword(s):  
Linear Regression ◽  
Service Quality ◽  
Multiple Linear Regression ◽  
Test Results ◽  
Analysis Techniques ◽  
Regression Test ◽  
Shopping Motivation ◽  
Hedonic Shopping ◽  
Regression Tests ◽  
Positive Effect

This study aims to examine the effect of trust, service quality, hedonic shopping motivation on the interest in transacting using lazada application. The population used in this study is community using lazada application. The method of data collection techniques used are questionnaires and documentation. The testing technique used is validation and reliability tests and uses data analysis techniques in the form of classic assumption tests and multiple linear regression tests.. The hypothesis in this study was tested using t test and f test. The results of the study showed that all variables were declared free of interference from existing classical assumptions.From the results of multiple linear regression test results f obtained Fcount of 17.665> Ftable of 2.60 then Ho is rejected and Hi is accepted means that simultaneously there is a positive and significant influence between variables of trust, service quality, hedonic shopping motive towards interest in using the lazada application. The partial test shows the results that all independent variables have a positive effect on the interest in transacting using the lazada application.Keywords : Trust, Service Quality, Hedonic Shopping Motivation, Interest in Transacting

scholarly journals PENGARUH KEAKTIFAN MENGIKUTI EKSTRAKURIKULER PRAMUKA TERHADAP KEMANDIRIAN SISWA KELAS V SD NEGERI CIBUK LOR SEYEGAN SLEMAN TAHUN AJARAN 2017/2018

2018 ◽  
Vol 1 (1) ◽  
pp. 35
Author(s):  
Devyta Restu Prihanawati ◽  
Nur Hidayah
Keyword(s):  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Correlation Technique ◽  
Simple Linear Regression ◽  
Analysis Techniques ◽  
Instrument Validity ◽  
Ex Post ◽  
Ex Post Facto ◽  
Positive Effect ◽  
Program Version

eng:Independence is one of the important modalities for survival as adults. Schools are expected to teach and train children's independence through activities that can foster children's self-reliance. One of them is through extracurricular scouts. The purpose of this study is to determine the effect of activeness following extracurricular scout against the independence of students in grade V State Elementary School Cibuk Lor Seyegan Sleman Year Teaching 2017/2018 as many as 19 students.This research is an ex post facto research and according to its method is kind of quantitative research. The population in this study were 19 students. Data collection techniques using questionnaires. Instrument validity test using product moment correlation technique with SPSS version 16.00 and reliability test using alpha cronbach technique from SPSS program version 16.00. Data analysis techniques in this study using simple linear regression analysis techniques.The results showed that there is a positive and significant influence on the activity of extracurricular scouts on the independence of students of grade V SD Negeri Cibuk Lor Seyegan Sleman with a positive coefficient value of independence. This can be shown on the value of determinant coefficient (R2) of 0.409, tcount of 3.429 and significance value of 0.003. Because the significance value shows the number <0,05 then it can be concluded that the activity follows extracurricular scout have positive effect on independence.-----------------------------------------------------------------------------------------Ind:Kemandirian merupakan salah satu modal penting untuk bertahan hidup ketika dewasa. Sekolah diharapkan mampu mengajarkan dan melatih kemandirian anak melalui kegiatan-kegiatan yang dapat menumbuhkembangkan sikap mandiri anak. Salah satunya yaitu melalui ekstrakurikuler pramuka. Tujuan dari penelitian ini yaitu untuk mengetahui pengaruh keaktifan mengikuti ekstrakurikuler pramuka terhadap kemandirian siswa kelas V SD Negeri Cibuk Lor Seyegan Sleman Tahun Ajaran 2017/2018 sebanyak 19 siswa.Penelitian ini merupakan penelitian ex post facto dan menurut metodenya merupakan jenis penelitian kuantitatif. Populasi dalam penelitian ini sebanyak 19 siswa. Teknik pengumpulan data menggunakan kuesioner. Uji validitas instrument menggunakan teknik korelasi product moment dengan bantuan SPSS versi 16.00 dan uji reliabilitas menggunakan teknik alpha cronbach dari program SPSS versi 16.00. Teknik analisis data dalam penelitian ini menggunakan teknik analisis regresi linier sederhana.

scholarly journals Pengaruh Financial Literacy dan Risk Perception terhadap Keputusan Investasi Generasi Millennial Kota Padang

Jurnal Ecogen ◽  
2020 ◽  
Vol 3 (1) ◽  
pp. 144
Author(s):  
Yola Yolanda ◽  
Abel Tasman
Keyword(s):  
Risk Perception ◽  
Financial Literacy ◽  
Millennial Generation ◽  
Sampling Method ◽  
Investment Decisions ◽  
Secondary Data ◽  
Primary Data ◽  
Validity And Reliability ◽  
Normality Test ◽  
Positive Effect

This study aims to look at the influence of Financial Literacy and the effect of Risk Perception on the investment decisions of millennial generation of Padang City. The type of this research is a comparative causal research (causative). The samplesof this study was 96 respondents ofmillennial generation of Padang City that choosed by using purposive sampling method. The types of data in this study are primary data and secondary data. The data was collected by questionnairy technique and it was analysed byusing multiple regression analysis method. The instrument testing uses validity and reliability tests. The analysis prerequisite tests conducted include normality test, heterokedasticity test and multicollinearity test. The data collected was processed with SPSS version 20.0. The results of this study indicate that both of Financial Literacy and Risk Perception has a significant positive effect on investment decisions of millennial generation of Padang City. Keywords : financial literacy, risk perception

scholarly journals IS BEHAVIOR FINANCE AFFECTED BY INCOME, LEARNING FINANCE AND LIFESTYLE?

2021 ◽  
pp. 29-40
Author(s):  
Aulia Rahman ◽  
Asep Risman
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Financial Literacy ◽  
Financial Behavior ◽  
Primary Data ◽  
Significant Positive Effect ◽  
Analysis Technique ◽  
Data Collection Process ◽  
Behavior Finance ◽  
Positive Effect

The purpose of this study is to determine whether there is a relationship between financial behavior based on income, financial literacy and a personal lifestyle. This study uses primary data through a data collection process by distributing questionnaires online (using Google Forms) among the total of 50 respondents. The data analysis technique used here is SPSS, version 25. The results of this study indicate that there is a significant positive effect between financial literacy variables and financial behavior. Meanwhile, income and lifestyle variables seem to have no influence on financial behavior.

scholarly journals PENGARUH LITERASI KEUANGAN TERHADAP GAYA HIDUP KONSUMTIF DI KALANGAN PEKERJA

2020 ◽  
Vol 18 (2) ◽  
pp. 215
Author(s):  
Ali Farhan
Keyword(s):  
Multiple Regression ◽  
Classical Theory ◽  
Financial Literacy ◽  
Income Levels ◽  
Consumptive Behavior ◽  
Consumption Theory ◽  
Regression Tests ◽  
Positive Effect

The study aims to test the influence between financial literacy and lifestyle on consumptive behaviour among workers, as well as to test the classic assumption in Keynes ' consumption theory, stating that consumption levels are affected by Income levels. This study was conducted using multiple regression tests that show the conclusion that financial literacy negatively affects the consumptive behaviour and lifestyle of positive effect on consumptive behavior, it contradicts With the classical theory of consumption caused this research is consistent with previous research among students (Pulungan and Febriaty, 2018; Lutfi and Herawati, 2015; Fauzia and Nurdin, 2019), consumption was not influenced by the level of income but also the level of financial literacy and lifestyle.

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