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All Journal Jurnal Inovasi Bisnis (Inovbiz) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan BALANCE: Jurnal Akuntansi, Auditing dan Keuangan Jurnal Komunikasi Profesional MBIA Jurnal MEBIS (Manajemen dan Bisnis) Edumedia: Jurnal Keguruan dan Ilmu Pendidikan Prima Abdika: Jurnal Pengabdian Masyarakat Jurnal Inovasi Penelitian dan Pengabdian Masyarakat Transekonomika : Akuntansi, Bisnis dan Keuangan Journal of Applied Business, Taxation and Economics Reseach TRANSAKSI Komunita: Jurnal Pengabdian dan Pemberdayaan Masyarakat Fokus Abdimas Jurnal Ilmiah Akuntansi dan Keuangan Balance: Jurnal Akuntansi, Auditing, dan Keuangan Jurnal Manajemen Maranatha
Utami, Novia
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Journal : Jurnal Manajemen Maranatha

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Teknologi Finansial, Literasi Keuangan, dan Keputusan Investasi Produk Reksa Dana di Indonesia Kusumahadi, Teresia Angelia; Utami, Novia
Jurnal Manajemen Maranatha Vol 21 No 2 (2022): Jurnal Manajemen Maranatha
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v21i2.4631

Abstract

The study aims to examine the characteristics of mutual fund financial technology users, the relationship between the use of investment financial technology and financial literacy on investment decisions, and differences in financial literacy between investors who use financial technology and investors who do not. Using a sample of 219 respondents who had or currently have mutual fund investment products in Indonesia, the authors find that most respondents have used financial technology, with Bibit and Bareksa as the most frequently used platforms. Using the OLS method, financial literacy positively and significantly affects investment decisions. On the other hand, the use of financial technology does not impact investment decisions. In addition, investors who use financial technology services have lower financial literacy scores than investors who do not use financial technology. This finding emphasizes the need for more equitable education of financial technology and financial literacy, which is expected to increase financial inclusion.
Teknologi keuangan, influencer media sosial, dan pengalaman keputusan investasi cryptocurrency: Peran literasi keuangan Rijanto, Bonfilio Patrik; Utami, Novia
Jurnal Manajemen Maranatha Vol 23 No 2 (2024): Jurnal Manajemen Maranatha
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v23i2.8717

Abstract

This study evaluates the impact of financial technology usage, social media influencer presence, and investment experience on cryptocurrency investment decisions, considering financial literacy as a moderating factor. Financial technology refers to using technology in financial systems to create new service products, technologies, and business models. Social media influencers have gained fame and exert significant influence over their followers on social media platforms. Meanwhile, investment experience encompasses the duration of an investor's experience in trading transactions. Data for the study were obtained through a Google Form questionnaire distributed via social media to cryptocurrency investors aged 20 to 30 in the Jabodetabek area. Convenience sampling technique was employed to obtain a sample of 192 respondents. Data analysis was conducted using the SEM-PLS method with SmartPLS software. The results indicate that using financial technology and social media influencers positively influences cryptocurrency investment decisions, while investment experience does not significantly impact. However, financial literacy does not strengthen the influence of financial technology usage, social media influencers, and investment experience on cryptocurrency investment decisions. The research findings indicate that enhancing financial literacy among young investors should be prioritized. This can be achieved through formal education programs and financial literacy campaigns. Practitioners in the financial industry also need to provide financial education to their clients and offer educational content on cryptocurrency. These measures can help mitigate uncontrolled investment risks and promote informed investment decisions, thereby contributing to the stability of the financial market and the financial protection of the wider community.
Co-Authors Angelia Kusumahadi, Teresia Ari Setiyaningrum Arifin, Selvi Desyandri Desyandri Kusumahadi, Teresia Angelia Mantiri, Stephanie Maria Putri, Brigita Kania Novia Rijanto, Bonfilio Patrik Salim, Lina Sitanggang, Marsiana Luciana Sri Hapsari Wijayanti Survani, Rifki Tarigan, Thia Margeretha Yulianty, Sindanita Zulkarnaen