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All Journal SEIKO : Journal of Management & Business Journal Of Management Science (JMAS) International Journal of Economics, Business and Accounting Research (IJEBAR) Enrichment : Journal of Management Jurnal Fokus Manajemen JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Journal of Management and Digital Business Journal of Applied Management Research Jurnal Manajemen, Organisasi, Dan Bisnis Jurnal Multidisiplin West Science Jurnal Bisnis dan Kewirausahaan INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Primary Journal of Multidisciplinary Research
Giriati, Giriati
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Journal of Applied Management Research

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The Influence of Financial Literacy, Financial Technology, Risk Perception, and Locus of Control on Investment Decisions with Education Level as a Moderating Variable in West Kalimantan Alisa, Alisa; Juniwati, Juniwati; Wendy, Wendy; Giriati, Giriati; Mustaruddin, Mustaruddin
Journal of Applied Management Research Vol 4, No 2 (2024)
Publisher : The Graduate School of Sahid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/jamr.v4i2.2578

Abstract

Financial literacy encompasses objective knowledge, personal skills, and individual expertise in managing and making personal financial decisions. With the increasing complexity of financial instruments, numerous studies indicate that individuals often lack adequate information and understanding of fundamental financial principles. This study aims to examine the influence of financial literacy, financial technology, risk perception, and locus of control on investment decisions, with education level as a moderating variable. Using a quantitative methodology and purposive sampling method, this study finds that a better understanding of financial literacy, effective use of fintech, appropriate risk perception, and a strong internal locus of control can lead to improved investment decisions. The findings highlight that enhanced financial education and the integration of financial technology are crucial for supporting more effective investment choices, thereby expanding the community’s investment knowledge and skills.
The Influence of Financial Literacy, Financial Technology, Risk Perception, and Locus of Control on Investment Decisions with Education Level as a Moderating Variable in West Kalimantan Alisa, Alisa; Juniwati, Juniwati; Wendy, Wendy; Giriati, Giriati; Mustaruddin, Mustaruddin
Journal of Applied Management Research Vol. 4 No. 2 (2024)
Publisher : The Graduate School of Sahid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/jamr.v4i2.2578

Abstract

Financial literacy encompasses objective knowledge, personal skills, and individual expertise in managing and making personal financial decisions. With the increasing complexity of financial instruments, numerous studies indicate that individuals often lack adequate information and understanding of fundamental financial principles. This study aims to examine the influence of financial literacy, financial technology, risk perception, and locus of control on investment decisions, with education level as a moderating variable. Using a quantitative methodology and purposive sampling method, this study finds that a better understanding of financial literacy, effective use of fintech, appropriate risk perception, and a strong internal locus of control can lead to improved investment decisions. The findings highlight that enhanced financial education and the integration of financial technology are crucial for supporting more effective investment choices, thereby expanding the community’s investment knowledge and skills.
Co-Authors Agustina, Dela Alisa, Alisa Amin, Saifuddin Anwar Azazi Arman Jaya Arna Suryani, Arna Astrella Callista Putri Raharjo Aulia, Syafitri Catur Fatchu Ukhriyawati Endah Mayasari Fajri, Ilham Fajri Fauzan, Rizky Harry Setiawan Helma Malini Heni Safitri Heriyadi, Heriyadi Juniwati Juniwati Kalista, Apriwina Yulita Kurnia, Depi Mandala, Miko Maria Christiana Iman Kalis, Maria Christiana Muhammad Afif Mustaruddin Mustika, Uray Ndaru Nelly, Apri Yeni Patricia, Adella Purmono, Bintoro Bagus Putri, Megawati Listyana Ramadania Ramadania, Ramadania Ramadhan, Rizani Rizki Eka Putra, Rizki Eka Salomo, Oloan Samsaga, Fika Angry Siburian, Egi Lianry Simatupang, Mona Rebeca Suhardi Suhardi Syahbandi Syahbandi Syahputri, Anggraini Tawee, Seow Wendy Wenny Pebrianti Wulansari, Dinda Marsela Yasin, Maulana Zulkifli Zulkifli