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All Journal JURNAL MANAJEMEN MOTIVASI
Farrell , Edric
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Financial Literacy and Income on Investment Decisions: A Case Study of MSMEs in Medan City Rudianto, Rudianto; Farrell , Edric; Khana Saputri; Pasaribu , Lidya Natalia
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8503

Abstract

This study examines the influence of financial literacy and income on investment decisions among 182 MSME actors in Medan City using a quantitative approach. Data were collected via questionnaires and analyzed through model evaluation, structural analysis, and effect size measurement. Results show that financial literacy significantly affects investment decisions (f² = 0.777), explaining 77.7% of the variance. Income also contributes (f² = 0.170), accounting for 17% of the variance. The remaining 5.3% is attributed to other factors beyond the study’s scope.
Co-Authors Khana Saputri Pasaribu , Lidya Natalia Rudianto Rudianto