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Imas Maesaroh
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Journal : Society

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Literasi dan Inklusi Keuangan sebagai Faktor Penentu Minat Investasi di Kalangan Pekerja Migran Indonesia Pujiastuti, Sri Lestari; Maesaroh, Imas; Andriyansah, Andriyansah
Society Vol 13 No 1 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i1.886

Abstract

The increasing deployment of Indonesian migrant workers (PMI) to various destination countries, especially in Asia and Africa, has generated substantial income inflows for families back home. However, low financial literacy, limited access to formal financial services, and a tendency toward short-term consumption often undermine this economic potential. This study investigates financial literacy and inclusion's influence on investment interest among Indonesian migrant workers. Utilizing a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected from 200 respondents through an OECD-adapted questionnaire covering financial knowledge, behavior, attitudes, and service accessibility. The findings indicate that financial literacy significantly affects investment interest (? = 0.386; p = 0.013), suggesting that enhanced financial competence increases the propensity to invest. Similarly, financial inclusion also exerts a significant positive influence (? = 0.351; p = 0.030), revealing that improved access to financial products and services, such as savings, insurance, and digital investment platforms, encourages migrant workers to engage in productive financial activities. These results highlight the importance of targeted financial education programs and inclusive financial infrastructures to strengthen the long-term economic resilience of returning migrant workers and their families. Future research should explore additional moderating variables such as digital platform adoption, migration duration, and sociocultural dynamics to enrich the understanding of investment behavior within this demographic.
Co-Authors ABDUL MUJIB Adhitama, Tias Satria Ahmad Fadili, Dadan Albert Gamot Malau Ami Pujiwati Andriyansah . Anggraeni, Silvi Annisa, Hanun Nur Aprilia, Ilma Astuti, Luvhy Dwi Bambang Aditya Nugraha Basir, Mohammad Cucu Suhartini Devi Ayuni Diputra, Angga Anugra Eha Saleha Ema Arum Rukmasari Faizal Madya Fatkhurrohmah, Nurindah Firmansyah Firmansyah Fu'adi, Ahmad Najib Ginta Ginting, Ginta H, Angga Sucitra Hadiwidjaja, Rini Dwiyani Hadiyana Sukandar, Hadiyana Hana Handayani Hanny Hafiar Hasna, Lathifah Hastuti, Hediati Hendrayanaama, Angga Sucitra Hidayah, Zainur Ike Janita Dewi Ilmi, Muhammad Nasrulloh Irmawaty Irmawaty, Irmawaty Kartikawati, Rr. Lisa Karwati, Karwati Kholis, Nur Komar Priatna, Deden Ledy Yolanda Lestari Pujiastuti, Sri Lilis Mamuroh marsigid, didik Mawaddah, Isdiadatul Meiliani Meiliani Melisa Intan Barliana, Melisa Intan Minrohayati . Muhaimin Muhaimin Muhammad Naufal, Ilham Muhrodi, Odi Nareswara, Anastu Regita Nasoha, Mohamad Nenah Sunarsih Nenden Nur Asriyani Maryam Nopiana, Medi Nur Kholis Nursolihah, Siti Pradypta, Putu Gyzca Praningtyas, Elisabeth Ria Viana Pratiwi, Adinda Syani Prawesthi, Endang Prihananto, Prihananto Puji, Sri Lestari Purnama, Siska Putri Utami, Putri R, Radis Diding Rakhmini Juwita Ria Viana Praningtya, Elisabeth Riana, Kurnia Endah Ridwan, Ridwan Rima Yulia Senja, Rima Yulia Rini Subekti Riski Maulana, Riski Rizky Abdulah Rustina, Ina Salsabila, Dania Saputra, Sherly Annisa Siti Aisyah Siti Nurasiah, Siti Sri Lestari Pujiastuti, Sri Lestari Sukmawati Sukmawati Sylvana, Andi Tarsilah, Tarsilah Thaibd, Dina Wardaya, Ahmad Wildan Wisnu Widiya Avianti Wijayanti, Silvia Wiryani, Ani Siti