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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
Naura Ilgalia Putri
Universitas IBA
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

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Transformation of Student Investment Behavior: An Analysis of Determining Factors with Financial Literacy as an Intervening Variable Rudi Ananda; Hadli Hadli; Nabila Grahana Putri; Naura Ilgalia Putri
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.10212

Abstract

This study aims to analyze the transformation of student investment behavior by identifying the determining factors influenced by financial literacy as an intervening variable. The variables observed include risk level, return level, access to information, information motivation, literacy, and investment decisions. The population of this study was active students of the Accounting Study Program at a private university in Palembang with a sample size of 285 respondents. Data were collected through questionnaires and analyzed using Structural Equation Modeling (SEM). The results show that: 1) Access to information has a positive effect on investment decisions, 2) Access to information affects financial literacy, 3) Financial literacy plays a role in influencing investment decisions, 4) Investment motivation affects investment decisions, 5) Investment motivation also influences financial literacy, 6) Return rate significantly influences investment decisions, 7) Return rate influences financial literacy, 8) Risk level influences investment decisions, and 9) Risk level also influences financial literacy. These findings indicate the importance of financial literacy in shaping students' investment decisions, especially in relation to perceptions of risk and return
Hedonic Behavior In The Use Of E-Money: An Experimental Study On Students Of The Faculty Of Economics At Private Universities In Palembang City Angka Wijaya; Hadli Hadli; Daddyan Ariev Imantha; Naura Ilgalia Putri
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.10221

Abstract

This study was motivated by the increasing intensity of e-money use among students. Although e-money provides convenience in transactions, this condition also encourages the emergence of uncontrolled consumptive behavior financially. This study observes variables such as hedonistic behavior, personal financial literacy, and intensity of e-money use. The population in this study consisted of active students of the Faculty of Economics at a private university in Palembang in 2025, with a sample size of 361 respondents. The results show that the intensity of e-money usage does not affect hedonistic behavior, and personal financial literacy also does not affect hedonistic behavior. However, personal financial literacy significantly affects the intensity of e-money usage. These findings emphasize the importance of personal financial literacy in moderating e-money usage, which can help students manage their finances more wisely despite the increasing ease of digital transactions.
Co-Authors Angka Wijaya Daddyan Ariev Imantha Hadli Hadli Nabila Grahana Putri Rudi Ananda