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All Journal SENTRALISASI Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Applied Research in Management and Business Review of Management, Accounting, and Business Studies PENG: Jurnal Ekonomi dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Journal of Current Studies in SDGs Journal of Current Studies in SDGs
Naili Amalia
Universitas Slamet Riyadi
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Pengaruh Literasi Keuangan, Risk Tolerance, Financial Technology, dan Loss Aversion Bias Terhadap Investment Decision(Studi Empiris pada Mahasiswa Universitas Slamet Riyadi Surakarta pada Tahun 2024-2025) Jessica Empria Aircondita; Naili Amalia
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/znp15z68

Abstract

This study aims to analyze the influence of financial literacy, risk tolerance, financial technology, and loss aversion bias on investment decisions among students at Slamet Riyadi University, Surakarta. The study is motivated by the growing trend of investment among students, which is increasingly supported by easy access to information and financial technology. However, this ease of access has not always been accompanied by the ability to make sound investment decisions. The research method used was quantitative, with primary data obtained through a questionnaire administered to 100 respondents using purposive sampling. The research instruments were tested for validity and reliability. Classical assumption tests included the following: normality test, multicollinearity test, autocorrelation test, heteroscedasticity test, t-test, F-test, and R² test. The results of the validity and reliability tests indicate that all statements regarding the influence of financial literacy, risk tolerance, financial technology, and loss aversion bias were found to be valid with a significance level of < 0.05, and all variables were reliable with a Cronbach’s Alpha value > 0.60. The regression analysis yielded the equation Y = 0.168 + 0.293X₁ − 0.144X₂ + 0.137X₃ + 0.817X₄ + e. The t-test results show that financial literacy, financial technology, and loss aversion bias have a significant positive effect on investment decisions. However, risk tolerance has a significant negative effect on investment decisions.
Co-Authors Aaliyah May Zannah Deva Novia Arinta Jessica Empria Aircondita Marjam Desma Rahadhini Miftakhul Nur Janah Muhammad Luthfi Hamdani Mutya Paramita Pratitab Rina Wulandari Safira Nur Annisa Sunarso Sunarso