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All Journal Jurnal Ilmu Manajemen (JIM) Horizon: Indonesian Journal of Multidisciplinary
R. A. Sista Paramita
Universitas Negeri Surabaya
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Literasi Keuangan, Toleransi Risiko, dan Overconfidence Terhadap Keputusan Investasi Saham: Studi pada Mahasiswa di Surabaya Amelia Fandiarta; R. A. Sista Paramita
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i3.5550

Abstract

This study aims to analyze the influence of financial literacy, risk tolerance, and overconfidence on stock investment decisions among university students in Surabaya. The study used a quantitative approach with an associative explanatory design. Data were obtained through questionnaires distributed to 231 university students with stock investment experience. Respondents were selected using purposive sampling followed by snowball sampling. The collected data were analyzed using multiple linear regression with the aid of SPSS software. The results showed that financial literacy and risk tolerance had a positive and significant effect on stock investment decisions. In addition, overconfidence also had a significant effect, indicating that psychological factors also influence investment decision-making behavior. This study is limited by the scope of respondents, which only involved university students in Surabaya, so the results cannot be widely generalized. Therefore, further research is recommended to expand the research object and add other variables, such as financial technology or investment experience. The findings of this study emphasize the importance of improving financial literacy and understanding investor risk profiles in supporting the quality of investment decisions, especially for young investors.  
The influence of financial attitude, perceived ease of use of fintech with financial literacy as a mediating variable on the financial management behavior of new students in Surabaya. Melisa Jamiatun; R. A. Sista Paramita
Jurnal Ilmu Manajemen Vol. 13 No. 4 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v13n4.p1035-1048

Abstract

Good financial management in a person can help achieve financial stability. This study aims to determine and analyze the influence of financial attitudes, perceived ease of use of fintech on financial management behavior, with financial literacy as a mediating variable. This study uses quantitative methods. The sampling technique used is non-probability sampling with purposive sampling, involving 164 respondents. The data in this study were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS 4.1.1.2 software. The results of the study prove that financial attitudes and financial literacy influence financial management behavior using the TPB theory. Then the TAM theory has proven that perceived ease of use also influences financial management behavior and financial literacy. Meanwhile, the TPB theory has not been able to prove that financial attitudes have a positive effect on financial literacy and cannot prove that financial literacy is able to mediate financial attitudes towards financial management behavior. While the TAM theory is able to prove that financial literacy is able to mediate the influence of perceived ease of use of fintech on financial management behavior.
Co-Authors Amelia Fandiarta Melisa Jamiatun