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All Journal International Journal of Economic Integration and Regional Competitiveness
Bagas Adi Prayoga
Muhammadiyah University of Sidoarjo, Indonesia

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THE UTILIZATION OF BEHAVIORAL FINANCE MODELS IN ANALYZING INVESTMENT DECISIONS Bagas Adi Prayoga; Wiwit Hariyanto
International Journal of Economic Integration and Regional Competitiveness Vol. 2 No. 7 (2025): International Journal of Economic Integration and Regional Competitiveness
Publisher : Antis Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijeirc.v2i7.402

Abstract

Objective: This study analyzes the impact of student financial behavior on investment decisions using a Behavioral Finance model. Method: Data were collected through interviews and observations with a descriptive qualitative approach. Result: The findings show that financial behaviors, such as adherence to payment schedules, budgeting, and price comparison, significantly influence investment choices. Emotional and psychological factors, like status quo bias, risk aversion, and overconfidence, also affect decision-making, often leading to suboptimal outcomes. Interviews confirm that these factors frequently hinder rational choices. However, the study’s limitations include sample representation and generalizability. Novelty: This research contributes to understanding Behavioral Finance in investment decisions and highlights the need for better financial education, emphasizing how behavioral and psychological aspects shape students’ investment behaviors.
Co-Authors Wiwit Hariyanto