Pengaruh Literasi Keuangan, Perilaku Keuangan, dan Financial Technology terhadap Keputusan Investasi Mahasiswa
-
Noviana Putri Permatasari
*
Universitas Dian Nuswantoro, Semarang,
Indonesia
- Dwi Eko Waluyo Universitas Dian Nuswantoro, Semarang, Indonesia
- Herry Subagyo Universitas Dian Nuswantoro, Semarang, Indonesia
- Dian Prawitasari Universitas Dian Nuswantoro, Semarang, Indonesia (*) Corresponding Author
Abstract
This study aims to examine the impact of financial literacy, financial behavior, and financial technology on investment decisions among students in Semarang. The methodology used is quantitative, utilizing a survey approach and data collection through a Likert scale questionnaire administered to active students who have used investment applications. The collected data was then analyzed using Structural Equation Modeling (SEM) techniques to evaluate the impact of each variable on investment decisions. The analysis results indicate that financial literacy, financial behavior, and financial technology have a significant and positive impact on students' investment decision-making. These findings contribute significantly to the advancement of financial literacy and the increased utilization of technology among students, aiming to enhance the quality of investment decision-making at the university level.
Downloads
References
Banthia, D., & Dey, S. K. (2022). Impact of Financial Knowledge, Financial Attitude and Financial Behaviour on Financial Literacy: Structural Equitation Modeling Approach. Universal Journal of Accounting and Finance, 10(1), 327–337. https://doi.org/10.13189/UJAF.2022.100133
Dang, P. G. (2024). Studies Management and Finance Economics, of Journal The Impact of Social Influences on Investment Decision-Making: A Multi-Method Analysis of Vietnamese Investors. 7(12), 697–706. https://doi.org/10.47191/jefms/v7
Fiika, A., Haqiqi, Z., & Pertiwi, T. K. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN “Veteran” Jawa Timur. SEIKO : Journal of Management & Business, 5(2), 2022–2355. https://doi.org/10.37531/sejaman.v5i2.2301
Ferdiansyah, A., & Triwahyuningtyas, N. (2021). Analisis layanan financial technology dan gaya hidup terhadap perilaku keuangan mahasiswa. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 6(1), 223–235. https://doi.org/10.24815/jim.v6i1.16591
Gunawan, A., Jufrizen, & Pulungan, D. R. (2023). Improving MSME performance through financial literacy, financial technology, and financial inclusion. International Journal of Applied Economics, Finance and Accounting, 15(1), 1–12. https://doi.org/10.33094/ijaefa.v15i1.761
Gustika, G. S., & Yaspita, H. (2021). Pengaruh Literasi Keuangan Terhadap Keputusan Investasi Mahasiswa STIE Indragiri Rengat. J-MAS (Jurnal Manajemen Dan Sains), 6(1), 261. https://doi.org/10.33087/jmas.v6i1.252
Jurnal, L., Danang Mahardhika, M., & Asandimitra, N. (2023). Pengaruh overconfidence, risk tolerance, return, financial literacy, financial technology terhadap keputusan investasi. Jurnal Ilmu Manajemen, 11(3), 602–613. https://doi.org/10.26740/jim.vn.p602-613
Kusumahadi, T. A., & Utami, N. (2022). Teknologi Finansial, Literasi Keuangan, dan Keputusan Investasi Produk Reksa Dana di Indonesia. Jurnal Manajemen Maranatha, 21(2), 177–186. https://doi.org/10.28932/jmm.v21i2.4631
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter - Jurnal Akuntansi dan Keuangan, 8(1), 9 – 16. https://doi.org/10.31294/moneter.v8i1.9903
Masitoh, N., Badriatin, T., Rosyadi, A., & Rahmawati, M. (2024). Financial Literacy, Financial Behavior, and Financial Attitude Toward Invesment Decision. BanKu: Jurnal Perbankan Dan Keuangan, 5(1), 24–33. https://doi.org/10.37058/banku.v5i1.10037
Novitasari, D., Juliana, J., Asbari, M., & Purwanto, A. (2021a). The Effect of Financial Literacy, Parents’ Social Economic and Student Lifestyle on Students Personal Financial Management. Economic Education Analysis Journal, 10(3), 522–531. https://doi.org/10.15294/eeaj.v10i3.50721
Nur, A., Safitri, E., & Safitri, M. (2024). Pengaruh literasi keuangan, locus of control dan financial technology terhadap perilaku pengelolaan keuangan individu. JEKOBS, 3(1), 1–10. http://publikasi.dinus.ac.id/index.php/JEKOBS
Prakoso, T., & Apriliani, R. (2024). Budgeting and Saving Effectiveness as the Main Pillar of Sustainable Personal Financial Management. Indonesian Journal of Islamic Economics and Finance, 4(2), 257–272. https://doi.org/10.37680/ijief.v4i2.6187
Pramesty, E. G., Indriasari, I., & Dharmaputra, M. F. (2023). Analisis minat investasi keuangan mahasiswa (Studi kasus pada mahasiswa perguruan tinggi swasta di Semarang). Equilibria Pendidikan: Jurnal Ilmiah Pendidikan Ekonomi, 8(2), 176–185
Putu, N., 1, S., & Sinarwati, N. K. (2021). Pengaruh perilaku keuangan terhadap keputusan investasi. Online) JURNAL MANAJEMEN, 13(4), 795–805 . https://doi.org/10.29264/jmmn.v13i4.10439
Sanjaya, W. (2023). The Influence of Financial Literacy, Financial Behavior and Financial Technology on Investment Decisions through Locus of Control (Financial Management Literature Review). Dinasti International Journal of Digital Business Management, 4(4), 763–772. https://doi.org/10.31933/dijdbm.v4i4.1916
Sulasmiyati, S., Aprillia, R., & Nurhayati, P. (2024). The Impact of Financial Technology on Student Investment Decisions. Dalam Jurnal Administrasi Bisnis 18(1), 123–135. https://doi.org/10.21776/ub.profit.2024.018.01.10
Theodorus, F., Patricia, V. I., & Meiryani. (2023). The Influence of Financial Technology, Minimum Capital, and Financial Literacy on Student Investment Interest. E3S Web of Conferences, 426, 01109. https://doi.org/10.1051/e3sconf/202342601109
Yasa, W., Upadana, A., & Trisna Herawati, N. (2020). Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa. Jurnal Ilmiah Akuntansi dan Humanika, 10(2), 126 – 135. https://doi.org/10.23887/jiah.v10i2.25574
Yolanda, Y. (2022). Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Nasabah Pada Pt Bank Rakyat Indonesia Tbk Di Medan. Jurnal Manajemen, Akuntansi, Ekonomi, 1(1), 1–10. https://doi.org/10.59066/jmae.v1i1.19
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Pengaruh Literasi Keuangan, Perilaku Keuangan, dan Financial Technology terhadap Keputusan Investasi Mahasiswa
Pages: 186-195
Copyright (c) 2025 Noviana Putri Permatasari, Dwi Eko Waluyo, Herry Subagyo, Dian Prawitasari
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
