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All Journal INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Evi Mutma’inah
Universitas Duta Bangsa Surakarta
Economics, Econometrics & Finance

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THE INFLUENCE OF FINANCIAL LITERACY, FLUCTUATIONS IN GOLD PRICES AND INCOME ON INVESTMENT DECISIONS FOR GOLD SAVINGS WITH INVESTMENT INTEREST AS MODERATION Evi Mutma’inah
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 2 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21769845

Abstract

Gold Savings Investment is one of the people's choices because it has relatively low risk and is easily accessible. This research aims to analyze the influence of financial literacy, fluctuations in gold prices and income on Gold Savings investment decisions in PT Pegadaian CP Kartasura customers with investment interest as a moderating variable. This study used a quantitative approach with primary data from 80 respondents obtained through questionnaires. Data analysis was performed using SEM-PLS with the help of SmartPLS 4. The results showed that financial literacy did not have a significant effect on investment decisions, while fluctuations in gold prices and income had a positive and significant effect. Investment interest is also unable to moderate the influence of financial literacy, fluctuations in gold prices, or income on investment decisions. The determination coefficient values show that the research model was able to explain 72.6% of the variation in investment decisions. This research concludes that gold income and price fluctuations are the main factors that influence Gold Savings investment decisions.
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