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All Journal Jurnal Riset Ekonomi dan Bisnis Jurnal Ilmu Manajemen dan Akuntansi Terapan Magisma: Jurnal Ilmiah Ekonomi dan Bisnis EconBank : Journal Economics and Banking Jurnal Peduli Masyarakat Jurnal Pengabdian Masyarakat Bidang Sosial dan Humaniora Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Ekonomi dan Manajemen TGO Journal of Community Development Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi
Eka Yuliyanti
Sekolah Tinggi Ilmu Ekonomi Totalwin
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Medicine & Pharmacology Social Sciences Other

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The Mediating Role Of Investment Motivation In The Relationship Between Risk Perception And Financial Literacy On Investment Decisions Of Paylater Users Yuliyanti, Eka; Turmudhi, Anis; Kartika, Andi; Mustahidda, Rahmania; Fadhila, Zati Rizka
Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 2 (2025): MAGISMA:Jurnal Ilmiah Ekonomi dan Bisnis
Publisher : Magister Manajemen STIE Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/magisma.v13i2.545

Abstract

This study examines the mediating role of investment motivation in the relationship between risk perception, financial literacy, and investment decisions among PayLater users in Indonesia. Utilizing a quantitative explanatory approach, data were collected from 200 respondents aged 18–45 who had used PayLater services for more than six months. Structural Equation Modeling with Partial Least Squares (SEM-PLS) was employed to analyze both direct and indirect effects between constructs. The findings reveal that risk perception and financial literacy positively influence investment motivation. Investment motivation, in turn, has a significant positive effect on investment decisions and serves as a strong mediator between risk perception, financial literacy, and investment decisions. Although financial literacy only marginally affects investment decisions directly, its indirect effect through motivation is significant. The results emphasize the importance of enhancing both financial literacy and investment motivation to improve the quality of investment decisions in the context of digital financial services like PayLater.
Pengaruh Literasi Keuangan Dan Financial Technnology Terhadap Keberlangsungan Usaha Pelaku Umkm Di Kabupaten Banyumas Rahmania Mustahida; Eka Yuliyanti; Anisa Kusumawardani; Zati Fadilla
Jurnal Ilmu Manajemen dan Akuntansi Terapan Vol. 15 No. 1 (2024): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36694/jimat.v15i1.751

Abstract

The purpose of this study was to determine the factors that influence business continuity in Banyumas Regency MSMEs. The data in this study were collected by conducting a questionnaire survey on 99 Banyumas Regency MSME businesses to analyze the role of financial literacy and financial technology variables in business continuity. The data collection technique used a simple random sampling technique with the Slovin formula to obtain a sample of 99 Banyumas Regency MSME business actors. The results of the study state that financial literacy has a positive and significant effect on business continuity, financial technology has a positive and significant effect on business continuity. The Coefficient of Determination test states that the independent variable is able to influence business continuity by 23.2% while the remaining 76.8% is influenced by other variables outside the study.
Co-Authors Andri Wahyu Pratama Anisa Kusumawardani Dea Putri Anggraini Diovany Tirtana Kartika Andi Rahmania Mustahida Rahmania Mustahidda Rosyid, Azis Nur Tirnata, Diovany Turmudhi, Anis Zati Fadilla Zati Rizka Fadhila, 13.05.52.0227