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All Journal Bima Journal : Business, Management and Accounting Journal
Samsul Bachri
Muhammadiyah University Of Palopo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Effect of Financial Literacy And Financial Behavior On Customers' Gold Investment Interest at PT. Pegadaian Unit Palopo Naifa Saputri; Samsul Bachri; Rahmawati  Rahmawati
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.727-738

Abstract

Purpose: The low level of financial literacy and public financial behavior is a challenge in increasing investment interest, especially relatively safe investments such as gold. The purpose of this study is to analyze how financial literacy and financial behavior influence the interest in gold investment of customers at PT. Pegadaian Unit Palopo. Methodology: The method used is a quantitative approach with a population of 671 customers and a sample of 87 respondents determined by the Slovin formula. Data collection was carried out by distributing questionnaires, then analyzed using multiple linear regression in SPSS version 16.0. Results: The findings of the study indicate that Financial Literacy and Financial Behavior, both partially and simultaneously, have a positive and significant impact on Customer Gold Investment Interest at PT. Pegadaian Unit Palopo. Findings: The findings confirm that better financial understanding and regular financial behavior patterns enhance investment interest. Novelty & Originality: This study offers novelty by examining gold investment interest in a regional pawnshop context in Palopo, a setting rarely explored in prior research. Conclusions: The implications of this study indicate that increasing financial literacy and good financial behavior can encourage public interest in investing in gold. Type of Paper: This paper is an empirical research paper.
Influence of financial literacy and e-wallets on students' personal financial management in the digital era Risdayanti Risdayanti; Asriany  Asriany; Samsul Bachri
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.739-748

Abstract

Purpose: The purpose of this study was to examine how financial literacy and e-wallet use among students at Muhammadiyah University of Palopo impact their personal financial management. This research is important because the high use of digital wallets in the digital age can impact students' financial behavior. Methodology: Quantitative and associative methods were used. Data were analyzed using multiple linear regression using SPSS after being collected from 89 participants selected through purposive sampling. Results: The results of the study showed that financial literacy had a positive and significant effect on personal financial management (t = 3.708; sig < 0.05), while e-wallets had no significant partial effect (t = 1.937; sig > 0.05). However, both variables simultaneously had a significant effect (F = 18.977; sig < 0.05) with a coefficient of determination (R²) of 0.306. Findings: The results show that financial knowledge is a major factor in how students manage their money. Novelty & Originality: Testing financial literacy and e-wallet of students in Palopo City is the focus of the latest research. This study is unique because it provides local empirical evidence in South Sulawesi. Conclusions: The result is that students need increased financial knowledge so they can use financial technology wisely. Type of Paper: This paper is an empirical research paper.
Co-Authors Asriany  Asriany Naifa Saputri Rahmawati  Rahmawati Risdayanti Risdayanti