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All Journal TIJAB (The International Journal of Applied Business) International Journal of Business, Economics, and Social Development
Mardiyani Mardiyani
Universitas Swadaya Gunung Jati, Cirebon, Indonesia
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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An Examination The Factors Of Share Investment Decisions : The Mediating Role Of Behavioral Finance Cirebon Society Alya Nurlaella Sugianto; Mardiyani Mardiyani
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025): International Journal of Business, Economics, and Social Development (IJBESD)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.878

Abstract

This study aims to analyze the effect of financial literacy, financial technology, on stock investment decisions in the millennial generation in Cirebon Regency, with financial behavior as a mediating variable. This research uses a quantitative approach with a causal associative method. The research sample of 150 respondents was taken using purposive sampling technique. The data analysis technique uses statistical methods with Partial Least Squares-Structural Equation Modeling (PLS-SEM) with the Smart-PLS 4 application. The results showed that financial literacy has no direct effect on stock investment decisions. Meanwhile, financial technology has a significant influence on investment decisions, due to easy access and innovative features that facilitate decision making. Financial literacy and financial technology also have a significant effect on financial behavior, where individuals with good financial understanding are better able to manage finances efficiently. Financial behavior is proven to be able to mediate the effect of financial literacy and financial technology on stock investment decisions. The conclusion of this study emphasizes the importance of improving financial literacy and utilizing financial technology to support healthy financial behavior, so that millennials can make smarter investment decisions. The results show that the ease of access offered by financial technology, along with healthy financial behavior, are key factors that encourage millennials to invest in the stock market. Therefore, efforts are needed to improve financial literacy, develop innovations in financial technology, and encourage the formation of good financial habits to increase the participation of millennials in the capital market.
Factors Influencing Mortgage Decision Making: Financial Inclusion as Mediation Variable Albiansyah Margana Putra; Ikka Nabila; Mardiyani Mardiyani
TIJAB (The International Journal of Applied Business) Vol. 9 No. 2 (2025): NOVEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/tijab.v9.I2.2025.71102

Abstract

Background: Indonesia is a developing country with low social welfare. Its small per capita income level, high consumptive spending, and high property prices make decent housing difficult, which is an important factor in our research. Objective: This research aimed to comprehensively examine the factors that affect Mortgage Decision-Making among people in Cirebon Regency. Method: Data was collected on the community in Cirebon City through a survey using a Google Form distributed to respondents online and offline. A causal associative method was implemented for this research, with a sample of 190 respondents chosen from purposive sampling, with the criteria of having previously taken out or planning to take out a Home Ownership Credit. SEM-PLS version 3.0 was utilized for data analysis. Results: The research findings revealed that Financial Literacy does not significantly influence Mortgage decision-making, while Financial Planning does. The other findings indicated that Financial Inclusion cannot mediate the relationship between Financial Literacy and Financial Planning on Mortgage Decision-Making. Conclusion: Financial inclusion is an indicator of financial literacy and financial planning. It can be proven that other factors, such as social factors, community psychology, and community confidence, must be improved in reaching a mortgage credit decision. The role of the government is also very important in this case; providing learning about financial literacy is one alternative to increasing public awareness. Keywords: Financial Literacy; Financial Planning, Financial Inclusion, Mortgage Decisions, Home Ownership Credit
Co-Authors Albiansyah Margana Putra Alya Nurlaella Sugianto Ikka Nabila