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All Journal EMAS: Jurnal Ekonomi, Manajemen dan Bisnis
I Gusti Made Guna Ambara
Universitas Mahasaraswati Denpasar
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Financial Literacy and Investment Decision-Making Among University Students: The Role of Financial Attitude I Gusti Made Guna Ambara; I Wayan Widnyana; Gregorius Paulus Tahu
EMAS: Jurnal Ekonomi, Manajemen dan Bisnis Vol. 7 No. 9 (2026): EMAS: Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36733/emas.v7i9.14752

Abstract

Investment decisions among university students are influenced by their ability to understand financial information, assess risks, and manage financial resources rationally. This study examines the effects of financial literacy, financial knowledge, and financial attitude on investment decisions among students of the Faculty of Economics and Business, Universitas Mahasaraswati Denpasar. A quantitative approach was employed involving 96 respondents selected through purposive sampling. Data were analyzed using multiple linear regression to test the proposed hypotheses. The results show that financial literacy, financial knowledge, and financial attitude each have a positive and significant effect on students’ investment decisions. These findings indicate that higher levels of financial understanding and more responsible financial attitudes encourage students to make more rational, measured, and informed investment choices. The study highlights the importance of strengthening financial competence among university students to support better investment decision-making. Future research is encouraged to include additional variables, such as lifestyle, financial inclusion, and financial well-being, and to involve larger samples to improve the generalizability of the findings.
Co-Authors Gregorius Paulus Tahu I Wayan Widnyana