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Wiwin Anjani
Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto Jawa Tengah
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan, Perilaku Keuangan  dan Toleransi Risiko Terhadap Keputusan Berinvestasi Mahasiswa Melalui Aplikasi Ajaib Sulasih Sulasih; Wiwin Anjani
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/a0h7p643

Abstract

This study examines the influence of financial literacy, financial behavior, and risk tolerance on students’ investment decisions when using the Ajaib application. A quantitative research design was employed with a sample of 343 students who actively invest through the platform. Data were collected using a structured questionnaire and analyzed using Multiple Regression Analysis with IBM SPSS. The empirical results indicate that financial literacy and financial behavior both have a positive and significant influence on investment decisions. In contrast, risk tolerance shows a negative and significant effect, suggesting that students with lower tolerance for risk tend to adopt more cautious investment strategies. Furthermore, the three variables collectively demonstrate a significant simultaneous effect on investment decision-making. These findings highlight the importance of strengthening financial knowledge and responsible financial practices to enhance rational investment behavior, particularly among novice student investors using digital investment platforms.
Co-Authors Sulasih Sulasih