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All Journal Jurnal Pendidikan Vokasi Jurnal Penelitian dan Evaluasi Pendidikan Jurnal Kajian Akuntansi JPM (Jurnal Pemberdayaan Masyarakat) Industri Inovatif : Jurnal Teknik Industri Valid Jurnal Ilmiah Widyadari : Jurnal Pendidikan REKA ELKOMIKA: Jurnal Pengabdian kepada Masyarakat J-AKSI : JURNAL AKUNTANSI DAN SISTEM INFORMASI Journal of Applied Sciences in Accounting, Finance, and Tax BHAKTI PERSADA Jurnal Aplikasi IPTEKS (Journal of Applied Sciences and Technology) Jurnal Abdi Masyarakat Jurnal Pengabdian Masyarakat Bangsa Jurnal Vokasi Indonesia Jurnal Ilmiah Pendidikan Citra Bakti
I Made Suarta
Politeknik Negeri Bali
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The Influence of Investment Knowledge, Income Expectations, and Service Quality on Gold Savings Investment Decisions Paramita, Ni Luh Gede Anindya; Suarta, I Made; I Made Wijana
Journal of Applied Sciences in Accounting, Finance, and Tax Vol. 9 No. 1 (2026): April 2026
Publisher : Unit Publikasi Ilmiah, P3M, Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jasafint.v9i1.29-41

Abstract

This study aims to analyse the influence of investment knowledge, income expectations, and service quality on gold savings investment decisions at PT Pegadaian (Persero) Tabanan Branch. The background of this study is based on the low number of active customers in gold savings transactions compared to the number of registered customers, indicating the existence of factors influencing investment decisions. This study used a quantitative method with an exploratory approach. The study population consisted of 142 customers, with respondents meeting the minimum sample criteria. Data were analysed using multiple linear regression with the aid of SPSS software. The results indicate that investment knowledge, income expectations, and service quality simultaneously influence investment decisions. However, these three independent variables partially showed no effect on gold savings investment decisions. This finding indicates that investment decisions are more influenced by a combination of factors than by the influence of each variable individually. The contribution of this study lies in strengthening the understanding that, in the context of gold savings, investment decisions are not determined by a single dominant factor, but rather by the simultaneous interaction of various factors. Furthermore, this research provides practical implications for financial institutions, particularly Pegadaian, in designing strategies to increase customer participation through a more integrated approach. This research suggests the need to develop the model by adding other variables such as financial literacy, risk perception, and social influence, as well as expanding the scope of the research locations to obtain more comprehensive results.
Co-Authors Budayani, Putu Agustin Citrawati Purna, Putu Inten Darmana, I Putu Dessy Hariyanti, NK Dewi, Putu Yuni Trisna Handayani, Luh Nyoman Chandra Hardika, N S I Gede Margunayasa I Gusti Agung Oka Sudiadnyani I Gusti Ayu Astri Pramitari I Gusti Ngurah Sanjaya I Ketut Gede Juli Suarbawa I Ketut Suwintana I Komang Sukendra I Made Bagiada I Made Darmada I Made Sudana I Made Wijana . I Nengah Suaria I Nyoman Bagus Suweta Nugraha I Nyoman Gede Baliarta I Wayan Basi Arjana, I Wayan Basi I Wayan Citrawan Ida Bagus Gde Widiantara IG P Fajar Pranadi Sudhana, IG P Fajar Pranadi Istiarto Istiarto Ketut Arya Bayu Wicaksana Komang Sanjaya, Ida Bagus Ni Komang Alit Astiari Paramita, Ni Luh Gede Anindya Putra, I Dewa Gede Agus Tri Putri, Anisa Karunia Putu Wijaya Sunu Sasmita, I Gusti Agung Ayu Lisa SINTADEVI, NI PUTU RITA Sukayasa, I Ketut Sulistiawati, Luh Putu Anom Sulistiawati, Luh Putu Anom Swintana, I Ketut Widana, I Wayan Widyatmika, Agung Adi