Moderasi Financial Attitude pada Financial Literacy dan Risk Tolerance terhadap Keputusan Investasi

Investment decisions as a decision are called capital budgeting, which is the whole process of planning and making decisions regarding spending with a long-term payback period or more than one year). With the right investment decision, it is hoped that someone can minimize investment risk and maximize the expected rate of return. This study aims to determine the effect of moderating financial attitudes on financial literacy, and risk tolerance on investment decisions in college capital market study group students in Malang City. This research uses quantitative research methods. The population used in this study were students from the Capital Market Study Group, totaling 266 students from 7 (seven) universities in Malang City. The sampling technique uses saturated sampling. Data collection techniques using a questionnaire. The data analysis technique uses Partial Least Square (PLS). The urgency of this research is that it is important for the younger generation to invest early. The results of this study indicate that financial literacy and risk tolerance affect investment decisions. Financial attitude moderates financial literacy with investment decisions. Financial attitudes do not moderate the relationship between risk tolerance and investment decisions

Peran Religiusitas Sebagai Variabel Moderating Pengetahuan, Persepsi Produk Bank Syariah dan Literasi Keuangan Tehadap Minat Investasi Syariah

The progressive development of sharia banking in Indonesia is quite significant, so many use sharia-based products, one of which is sharia investment. Apart from Islamic law, several factors influence students to invest in sharia: knowledge, perceptions of sharia banking products, and financial literacy. This study was conducted to determine the effect of knowledge, perceptions of sharia bank products, and financial literacy with religiosity as a moderating variable on sharia investment interest. This research utilizes quantitative research methods with purposive sampling as a sampling technique with 100 students as respondents. Google form is used as a research instrument to obtain the accuracy of the results. Then the data were analyzed using Structural Equation Modeling. From the results of this research analysis, knowledge can influence interest in sharia's investment. However, it is less significant on the variable interest in sharia investment. At the same time, the perceptions of Sharia bank products and financial literacy have a positive and significant effect on interest in Sharia investment. Then religiosity can moderate knowledge, perceptions of sharia bank products, and financial literacy on sharia investment interest

Perilaku keuangan, dan locus of control, memengaruhi keputusan investasi dengan literasi keuangan sebagai moderasi

The research conducted aims to test the influence of the variables contained in the study. This research was conducted from February to May 2023.  Data collection was carried out using a questionnaire.  The sample used in this study were students majoring in accounting in Yogyakarta, and the respondents in the study totaled 250 people with purposive sampling technique. The analysis technique used used the Structural Equation Model (SEM) based on Partial Least Squares (PLS). The results showed that financial behavior affects investment decisions, locus of control has a positive effect on investment decisions. Financial literacy is able to strengthen the relationship between financial behavior on investment decisions, and financial literacy is able to strengthen the relationship between locus of control on investment decisions. Based on the results of the analysis of the research that has been tested, it can be concluded that financial behavior, locus of control, and financial literacy affect investment decisions. The existence of financial literacy as moderation can strengthen the relationship between financial behavior variables and locus of control on investment decisions

PENGARUH LITERASI KEUANGAN TERHADAP MINAT BERINVESTASI DI PASAR MODAL DENGAN PERKEMBANGAN TEKNOLOGI DIGITAL SEBAGAI VARIABEL MODERASI (Studi Empiris Mahasiswa Akuntansi Universitas Muhammadiyah Metro)

This study aims to examine the effect of financial literacy on investment interest in the capital market with the development of digital technology as a moderating variable. This research uses a quantitative approach. This research used a quantitative approach. The population of this study was 292 students of Accounting Faculty of Economics and Business. The sampling technique was the purposive sampling method using certain criteria so as to obtain a sample of 113 respondents. Data analysis in this study used the SPSS (Statistical Packge Social Sciences) version 21 program with MRA (Moderated Regression Analysis) interaction testing. The results of this study indicated that financial literacy affects interest in investing in the capital market with the development of digital technology moderating the relationship between financial literacy and interest in investing in the capital market.   Keywords: Financial Literacy, Interest in Investing, Digital Technology Development, Capital Marke

Efek Motivasi Investasi Sebagai Moderator Pengaruh Pengetahuan Investasi Dan Perilaku Keuangan Terhadap Minat Investasi

The development of investment in Indonesia has increased during the post-Covid 19 economic recovery period. The public is realizing the importance of investing and the benefits, including students are also aware of this. The factors that encourage students to invest are investment knowledge, financial behavior, and investment motivation. This study aim's to investigate the effect of investment motivation as a moderator of the influence of investment knowledge and finance behavior. The population used is 2015-2019 accounting education students who are still students with a total of 145 students. The sample used in the study was determined by the solving formula. While the sampling technique used is proportionate stratified random sampling. Data collection was carried out online in the form of a questionnaire in the form of a Google form. Then the data were analyzed using descriptive statistical methods then hypothesis testing was carried out using multiple linear regression analysis and moderation regression analyst the application used was SPSS version 26. Obtained from the results of the analysis of investment knowledge and financial behavior were able to produce a positive and significant influence on investment interest. Then investment motivation can moderate the effect of investment knowledge on investment interest

Pengaruh Literasi Akuntansi dan Literasi Keuangan Terhadap Perilaku Keuangan dengan Pengendalian Diri Sebagai Pemoderasi

Penelitian ini berjudul "Pengaruh Literasi Akuntansi dan Literasi Keuangan terhadap Perilaku Keuangan dengan Pengendalian Diri sebagai Moderator," menyelidiki fenomena meningkatnya penggunaan judi dan pinjaman daring di kalangan pengguna Indonesia, yang merupakan kontributor terhadap perilaku keuangan yang tidak sehat. Penelitian ini meneliti empat variabel: variabel dependen (perilaku keuangan); dua variabel independen (literasi akuntansi dan literasi keuangan); dan variabel moderasi (pengendalian diri). Tujuan utama adalah untuk menilai pengaruh literasi akuntansi dan literasi keuangan terhadap perilaku keuangan, dengan fokus pada apakah pengendalian diri memoderasi pengaruh ini. Desain penelitian kausal digunakan untuk menganalisis efek langsung dan moderasi dari setiap variabel. Data yang dikumpulkan melalui kuesioner diproses menggunakan perangkat lunak SmartPLS. Temuan penelitian mengungkapkan bahwa literasi akuntansi berdampak positif dan signifikan terhadap perilaku keuangan, mendukung hipotesis pertama. Demikian pula, literasi keuangan menunjukkan efek positif dan signifikan terhadap perilaku keuangan, mengonfirmasi hipotesis kedua. Pengendalian diri juga memiliki dampak positif dan signifikan terhadap perilaku keuangan, memvalidasi hipotesis ketiga. Namun, pengendalian diri tidak memoderasi efek literasi akuntansi terhadap perilaku keuangan, yang mengarah pada penolakan hipotesis keempat. Sebaliknya, pengendalian diri meningkatkan pengaruh literasi keuangan terhadap perilaku finansial, yang mendukung hipotesis kelima. Penelitian ini berkontribusi pada literatur yang ada dan meningkatkan kesadaran tentang pentingnya literasi akuntansi dalam membina perilaku finansial yang sehat dan terinformasi. Praktik keuangan yang baik sangat penting bagi kesejahteraan pribadi dan berkontribusi pada pertumbuhan ekonomi nasional. Wawasan ini dapat menjadi dasar bagi upaya masa depan untuk meningkatkan perilaku finansial dengan mengatasi faktor-faktor yang memengaruhi keputusan finansial individu

Pengaruh Literasi Keuangan dalam Pengelolaan Keuangan: Menguji Efek Pendapatan Sebagai Moderasi

Financial management is a key aspect in achieving financial well-being of the community. However, the level of financial literacy in Indonesia is still low, requiring education and development of financial literacy to reduce ineffective financial decisions. The Financial Services Authority (OJK) and Universitas Gadjah Mada (UGM) are actively encouraging the improvement of financial literacy, with a focus on education, national campaigns, strengthening infrastructure, and developing affordable financial service products. Financial literacy, which includes knowledge, understanding, skills, and motivation in making financial decisions, has a positive impact on financial management behavior. Individuals with higher levels of financial literacy tend to make better financial decisions, avoid investment fraud, and understand the principles of financial planning. However, income also plays an important role as a moderator, influencing the relationship between financial literacy and financial management. Individuals with low incomes tend to have lower financial literacy, which can affect their financial management practices. Therefore, challenges such as behavioral bias and external factors can affect financial literacy and its management implementation

Pengaruh Literasi Keuangan dan Gaya Hidup Hedonis terhadap Perilaku Keuangan

Penelitian ini bertujuan untuk mengetahui pengaruh gaya hidup dan literasi keuangan terhadap pengelolaan keuangan sebagai variabel intervening secara parsial atau simultan. Metode analisis data yang digunakan adalah analisis jalur sehingga arah dan besarnya variabel eksogen dan endogen terhadap variabel eksogen terpaparkan dengan jelas. Penelitian ini menggunakan SPSS. Sampel penelitian terdiri dari 88 mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Tangerang sebagai responden. Pengambilan sampel menggunakan teknik random sampling menggunakan kuesioner untuk mengumpulkan data. Hasil penelitian menunjukkan bahwa: 1) Literasi Keuangan berpengaruh positif dan signifikan terhadap Perilaku Keuangan Siswa; 2) Gaya Hidup berpengaruh positif dan signifikan terhadap Perilaku Keuangan Siswa; 3) Literasi Keuangan dan Gaya Hidup secara bersama-sama berpengaruh positif dan signifikan terhadap Perilaku Keuangan Siswa.   Keywords: Financial Literacy, Lifestyle, Student Financial Behavio

Literasi Keuangan Dan Kepuasan Keuangan Dengan Gender Sebagai Moderasi: Studi Pada Mahasiswa Di Kota Palembang

Pengaruh literasi keuangan terhadap kepuasan keuangan dan menganalisis peran gender sebagaimoderasi hubungan literasi keuangan dan kepuasan keuangan. Responden penelitian sebanyak 100orang yang tersebar baik dari Perguruan Tinggi Negeri (PTN) dan Perguruan Tinggi Swasta (PTS) diKota Palembang. Instrumen penelitian dengan menggunakan kuesioner. Pengumpulan data secaraonline dan ofline. Metode analisis data dengan Structural Equation Modeling (SEM). Penelitian inimenemukan bahwa terdapat pengaruh signifikan positif literasi keuangan terhadap kepuasankeuangan. Namun, gender bukan sebagai moderasi dalam hubungan literasi keuangan dan kepuasankeuangan. Teori tentang personal finance dalam konteks kepuasan keuangan masih perlu dieksplorkembali, mengingat perilaku setiap individu berbeda dikarenakan perbedaan latar belakang dan situasisaat pengambilan data penelitian