Pengaruh Pengetahuan Keuangan, Perilaku Keuangan dan Pendapatan Terhadap Keputusan Berinvestasi Mahasiswa Kota Batam
DOI:
10.33395/owner.v8i3.2113Keywords:
Financial Knowledge, Financial Behaviour, Income, Investment DecisionsAbstract
Along with changing times, especially improvements in the economic sector, Batam students need money as a complementary to meet their daily needs. One way to make money is investing. Students need financial knowledge as a basis for making decisions, applying appropriate financial behavior in managing their finances and adjusting income on the investment products they choose.
This research has many objectives to be analyzed again, one of which is to see whether the results of this research can bring benefits to Batam City students in increasing their awareness of carrying out investment activities. The aim of this research is to find out whether financial knowledge, financial behavior and income influence the investment decisions of Batam students. The sample in this research was Batam students who took the Accounting study program, totaling 105 respondents. The method used to collect data was by form of distributing questionnaires to universities in Batam. The data analysis methods used are descriptive statistical analysis, data quality test, classical assumption test, multiple linear regression analysis, hypothesis testing, coefficient of determination and the data is processed with help of statistical tools with SPSS version 26. The results of this study show that financial knowledge hasn’t effect on investment decisions of Batam City students. Financial behavior has a significant influence on investment decisions of Batam City students. Income has a significant influence on investment decisions of Batam City students. Simultaneously financial knowledge, financial behavior and income have a significant influence on investment decisions of Batam City students. The conclusions in this research are that H1 is rejected, H2 is accepted, H3 is accepted, and H4 is accepted
Downloads
Plum-X Analityc
References
Ady, S. U., & Hidayat, A. (2019). Do Young Surabaya‘s Investors Make Rational Investment Decisions. 1(3), 4689.
Ajzen, I. (1991). The Theory of Planned Behavior. 33(1), 52–68. https://doi.org/10.47985/dcidj.475
Alaaraj, H., & Bakri, A. (2020). The Effect of Financial Literacy on Investment Decision Making in Southern Lebanon. International Business and Accounting Research Journal, 4(1), 37. https://doi.org/10.15294/ibarj.v4i1.118
Arianti, F. B. (2020). Pengaruh Pendapatan Dan Perilaku Keuangan Terhadap Literasi Keuangan Melalui Keputusan Berinvestasi Sebagai Variabel Intervening. Jurnal Akuntansi, 10(1), 13–36.
Landang, R. D., Widnyana, I. W., & Sukadana, I. W. (2021). Pengaruh Literasi Keuangan, Perilaku Keuangan dan Pendapatan Terhadap Keputusan Berinvestasi Mahasiswa Fakultas Ekonomi Universitas Mahasaraswati Denpasar. Jurnal EMAS, 2(2), 51–70.
Laturette, K., Widianingsih, L. P., & Subandi, L. (2021). Literasi Keuangan Pada Generasi Z. Jurnal Pendidikan Akuntansi (JPAK), 9(1), 131–139. https://doi.org/10.26740/jpak.v9n1.p131-139
Loprang, W. R., Saerang, I. S., & Lintong, D. C. (2022). Pengaruh Literasi Keuangan dan Efikasi Keuangan terhadap Keputusan Investasi masyarakat Malalayang Dua Lingkungan Dua. Jurnal EMBA, 10(1), 1295–1304.
Masdupi, E., Sabrina, S., & Megawati, M. (2019). Literasi keuangan dan faktor demografi terhadap perilaku keuangan mahasiswa Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis, 8(1), 35–47. https://doi.org/10.24036/jkmb.10884900
Mutawally, F. W., & Asandimitra, N. (2019). Pengaruh Financial Literacy, Risk Perception, Behavioral Finance dan Pengalaman Investasi Terhadap Keputusan Investasi Mahasiswa Surabaya. Jurnal Ilmu Manajemen (JIM), 7(4), 942–953.
Panjaitan, N. F. H., & Listiadi, A. (2021). Literasi Keuangan dan Pendapatan pada Keputusan Investasi dengan Perilaku Keuangan sebagai Variabel Moderasi. Jurnal Ilmiah Akuntansi Dan Humanika, 11(1), 142–155.
Putri, K. A. S., & Andayani, S. (2022). Literasi Keuangan dan Pendapatan Terhadap Keputusan Investasi Mahasiswa dengan Perilaku Keuangan Sebagai Variabel Intervening. Journal of Management and Bussines, 4, 1075–1089. https://doi.org/10.31539/jomb.v4i2.4715
Putri, W. W., & Hamidi, M. (2020). Pengaruh Literasi Keuangan, Efikasi Keuangan dan Faktor Demografi Terhadap Pengambilan Keputusan Investasi (Studi Kasus pada Mahasiswa Magister Manajemen Fakultas Ekonomi Universitas Andalas Padang). Akuntabilitas, 14(2), 253–268. https://doi.org/10.29259/ja.v14i2.11480
Ramadani, A. G., Tubastuvi, N., Rachmawati, E., & Rahmawati, I. Y. (2022). Pengaruh Financial Literacy, Financial Behavior dan Financial Experience Terhadap Keputusan Investasi Generasi Milenial di Batam. Jurnal Manajemen Dan Bisnis Indonesia, 8(1), 57–64. https://doi.org/10.32528/jmbi.v8i1.6464
Ramadhan, G. R., Aryanda, H. Y., Retnoningsih, I., Azizah, I. N., Angelina, M. C., & Suhatmi, E. C. (2021). Pengaruh Financial Literacy, Behavior Finance dan Income terhadap Keputusan Berinvestasi. Seminar Nasional & Call for Paper, September, 844–848. http://ojs.udb.ac.id/index.php/HUBISINTEK/article/view/1464/1157
Ratnasari, L., & Yudiantoro, D. (2023). Pengaruh Literasi Keuangan, Perilaku Keuangan Dan Pendapatan Terhadap Keputusan Berinvestasi Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam UIN Sayyid Ali Rahmatullah Tulungagung. Jurnal Ilmu Sosial Dan Pendidikan (JISIP), Vol. 7(2), 1001–1010. https://doi.org/10.58258/jisip.v7i2.4662/http://ejournal.mandalanursa.org/index.php/JISIP/index 1004
Reviandani, W. (2019). Pengaruh Pengalaman Keuangan Dan Tingkat Pendapatan Terhadap Perilaku Keuangan Keluarga Di Desa Yosowilangun Kecamatan Manyar Gresik. Manajerial, 6(01), 48. https://doi.org/10.30587/manajerial.v6i01.862
Safitri, S. D., & Purnamasari, D. I. (2021). The Impact Of Financial Literacy, Financial Behavior, And Financial Motivation On Students’ Investment Decision. International Journal of Current,13(Ksei2020), 5–8. http://eprints.upnyk.ac.id/27154/%0Ahttp://eprints.upnyk.ac.id/27154/1/2021_IJCR.pdf
Sandi, K., Worokinasih, S., & Darmawan, A. (2020). Pengaruh Financial Knowledge dan Financial Attitude Terhadap Financial Behavior Pada Youth Entrepreneur Kota Malang. Jurnal Administrasi Bisnis, Ekosistem Strat p, 140.
Senda, A. D., Rahayu, C. W. E., & Rahmawati, C. H. T. (2020). Demographic Factors on Investment Decision. Media Ekonomi Dan Manajemen, 35(1), 100–111. http://dx.doi.org/10.24856/mem.v35i1.1246.
Siregar, D. K., & Anggraeni, D. R. (2022). Pengaruh Literasi Keuangan Dan Perilaku Keuangan Terhadap Keputusan Investasi Mahasiswa. Bussman Journal?: Indonesian Journal of Business and Management, 2(1), 96–112. https://doi.org/10.53363/buss.v2i1.39
Soleha, E., & Hartati, N. (2021). Analisis Perilaku Keuangan Mahasiswa Universitas Pelita Bangsa dalam Keputusan Investasi ( Analysis of Universitas Pelita Bangsa Student Financial Behavior in Investment Decisions ). 2(01), 59–70.
Triana, O. F., & Yudiantoro, D. (2022). Pengaruh Literasi Keuangan, Pengetahuan Investasi, dan Motivasi Terhadap Keputusan Berinvestasi Mahasiswa di Pasar Modal Syariah. SERAMBI: Jurnal Ekonomi Manajemen Dan Bisnis Islam, 4(1), 21–32. https://doi.org/10.36407/serambi.v4i1.517
Upadana, I. W. Y. A., & Herawati, N. T. (2020). Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa. Jurnal Ilmiah Akuntansi Dan Humanika, 10(2), 126. https://doi.org/10.23887/jiah.v10i2.25574
Utami, A. R., & Dara, S. R. (2022). Pengaruh Literasi Keuangan dan Perilaku Keuangan Terhadap Keputusan Investasi Mahasiswa Perguruan Tinggi Swasta di Jakarta. Jurnal Mahasiswa Institut Teknologi Dan Bisnis Kalbis, 8(4), 3700–3715. http://ojs.kalbis.ac.id/index.php/kalbisiana/article/view/1618
Uttari, L. P. J. A., & Yudantara, I. G. A. P. (2023). Pengaruh Literasi Keuangan, Pendapatan dan Perilaku Keuangan terhadap Keputusan Investasi Generasi Milenial Melalui Aplikasi BIBIT. Jurnal Riset Akuntansi, 12(1), 1–10.
Yassin, N. A. M., & Nurdin. (2022). Pengaruh Literasi Keuangan, Pendapatan dan Toleransi Risiko terhadap Keputusan Investasi. Bandung Conference Series: Business …, 04(03), 767–776. https://proceedings.unisba.ac.id/index.php/BCSBM/article/view/1488
Yundari, T., & Artati, D. (2021). Analisis Pengaruh Literasi Keuangan, Perilaku Keuangan dan Pendapatan Terhadap Keputusan Investasi. Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi (JIMMBA), 3(3), 609–622. https://doi.org/10.32639/jimmba.v3i3.896
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Susanti, Handra Tipa
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.