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All Journal UNEJ e-Proceeding Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Syntax Literate: Jurnal Ilmiah Indonesia Journal of Economic, Bussines and Accounting (COSTING) IKRA-ITH EKONOMIKA Surya Abdimas Edumaspul: Jurnal Pendidikan Proceeding of World Conference Jurnal Bisnis Terapan JE (Journal of Empowerment) JURNAL PEMASARAN KOMPETITIF JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) Jurnal Teknologi Dan Sistem Informasi Bisnis Jurnal Riset Entrepreneurship TIN: TERAPAN INFORMATIKA NUSANTARA Jurnal Syntax Transformation Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Management and Bussines (JOMB) Journal of Computer Networks, Architecture and High Performance Computing Nusantara Science and Technology Proceedings Akrab Juara : Jurnal Ilmu-ilmu Sosial STUDI PELAKSANAAN SELFMEDICATION PADA PENDERITA DIARE BERDASARKAN TINGKAT PENGETAHUAN MASYARAKAT PESISIR KECAMATAN SOROPIA KABUPATEN KONAWE Jurnal Ilmu Agama dan Pendidikan Agama Buddha (JIAPAB) Journal Economy And Currency Study (JECS) Insight Management Journal International Journal of Business, Law, and Education Prosiding Ilmu Agama dan Pendidikan Agama Buddha INSPIREE: Indonesian Sport Innovation Review International Journal of Business and Information Technology Journal of Sosial Science and Digital Marketing Jurnal ABDIMAS STMIK DHARMAPALA INCODING: Journal of Informatics and Computer Science Engineering Journal of Natural Sciences Jurnal Ilmu Ekonomi dan Sosial (JIES) Jurnal Media dan Komunikasi Indonesia Jurnal Multidisiplin Madani (MUDIMA) Jurnal Ilmiah Manajemen dan Kewirausahaan Jurnal Pendidikan dan Pembelajaran Jurnal Manajemen International Journal of Informatics, Economics, Management and Science Jurnal Ad'ministrare Jurnal Ilmu Manajemen & Ekonomika Jurnal Manajemen Bisnis Kewirausahaan Info Abdi Cendekia Jurnal Manajemen dan Bisnis Equivalent: Jurnal Ilmiah Sosial Teknik Journal of Social Science Jurnal Manajemen Kreatif dan Inovasi Jurnal Riset Ekonomi dan Akuntansi International Journal of Management Research and Economics Jurnal Riset dan Inovasi Manajemen Jurnal Karya untuk Masyarakat (JKuM) International Journal of Law and Society International Journal of Social Science and Humanity Pelita : Jurnal Penelitian, Terapan dan Aplikatif Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia(JEAMI) Jurnal Ilmiah Manajemen Dan Kewirausahaan
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Journal : International Journal of Business, Law, and Education

Role of Financial Literacy, Risk Perception, and Investment Experience in Investment Decisions of Millenial and Z Generation in Jabodetabek Asry, Shofia; Paulina, Julinta; Tarigan, Budi Akhmad; Siagian, Ade Onny
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.731

Abstract

This study investigates the roles of financial literacy, risk perception, and investment experience in shaping investment decisions. Utilizing a sample of 500 individuals, we conducted descriptive statistics, reliability and validity testing, structural equation modeling (SEM), and moderation analysis to explore these relationships. The results reveal that higher financial literacy and investment experience are positively associated with better investment decisions, while higher risk perception is negatively associated with investment outcomes. Furthermore, financial literacy moderates the effect of risk perception, and investment experience enhances the positive impact of financial literacy on investment decisions. These findings underscore the importance of financial education and practical experience in fostering informed and strategic investment behavior. The study offers valuable insights for developing targeted educational programs and advisory services to enhance investor competence and confidence.
Impact of Financial Literacy, Risk Tolerance, Usefulness Perception, and Trust Perception on Financial Decision of MSMEs in West Java Kartiwa, Aa; Hidayat, Gustina; Lisbet, Zeanette T; Siagian, Ade Onny
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.869

Abstract

This study investigates the impact of financial literacy, risk tolerance, perceived usefulness, and trust perception on the financial decision-making of micro, small, and medium-sized enterprises (MSMEs) in West Java. Using a sample of MSME owners, the study employs multiple regression analysis to explore the relationships between these variables. The findings reveal that financial literacy is the most significant factor influencing financial decision-making, followed by perceived usefulness, risk tolerance, and trust perception. The results underscore the importance of financial education, adoption of beneficial financial tools, and fostering trust in financial institutions for enhancing MSME financial decisions. The study offers practical and theoretical contributions, providing valuable insights for policymakers, financial institutions, and MSMEs. Future research should consider expanding the geographical scope and exploring potential moderating factors in financial decision-making.