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All Journal Jurnal Penelitian Ekonomi dan Bisnis
Ratna Herawati
Economic and Business Faculty, Universitas Dian Nuswantoro
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Examining the Effects of Financial Literacy and Motivation on Students Investment Decisions The Mediating Role of Financial Management Amalia Nur Chasanah; Ratna Herawati; Mila Sartika
Jurnal Penelitian Ekonomi dan Bisnis Vol. 11 No. 2 (2026): September 2026
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v11i2.15759

Abstract

Rapid technological developments have brought significant changes to economic activity in Indonesia, including digital transactions and financial management. This situation requires individuals, especially students, to have adequate financial literacy and financial management skills to manage their finances effectively and responsibly. This study aims to analyze the influence of financial literacy and motivation on students' financial management and investment decisions, with financial management as a mediating variable. The study used a quantitative approach with a sample of 109 students in Semarang city and analyzed to test the proposed hypotheses. The results showed that financial literacy had a positive and significant effect on financial management and investment decisions. Motivation had a positive and significant effect on financial management, but did not affect investment decisions. Furthermore, financial management played a positive and significant role in investment decisions. These findings emphasize the importance of financial literacy and effective financial management in forming rational, planned, and sustainable investment decisions for students.
Co-Authors Amalia Nur Chasanah Mila Sartika