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All Journal CAPITAL: JURNAL EKONOMI DAN MANAJEMEN
I Made Santiara
Universitas Pendidikan Ganesha
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN UMKM DI KECAMATAN TEJAKULA I Made Santiara; Ni Kadek Sinarwati
CAPITAL: Jurnal Ekonomi dan Manajemen Vol 6, No 2 (2023)
Publisher : UNIVERSITAS PGRI MADIUN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (213.966 KB) | DOI: 10.25273/capital.v6i2.14514

Abstract

Financial literacy helps a person in managing his finances and in making important decisions regarding the investments he makes. Having good financial literacy can enable individuals to make informed decisions about their money and minimize the possibility of having financial problems. This study aims to determine the influence of financial literacy on the financial management of MSMEs in Tejakula. This research uses an associative approach. The sample from this study was 50 MSME actors in Tejakula. The data used in this study is primary data. The data collection technique in this study was questionnaire. The data analysis technique used in this study is simple regression analysis. The results of this study show that financial literacy has a positive and significant effect on financial management.
PENGARUH LITERASI KEUANGAN, OVERCONFIDENCE, DAN HERDING BIAS TERHADAP KEPUTUSAN INVESTASI I Made Santiara; Ni Kadek Sinarwati; Ni Made Ary Widiastini
CAPITAL: Jurnal Ekonomi dan Manajemen Vol. 8 No. 1 (2024)
Publisher : UNIVERSITAS PGRI MADIUN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/capital.v8i1.18958

Abstract

Tujuan penelitian ini ialah mengeksplorasi efek literasi keuangan, overconfidence, dan herding bias pada keputusan investasi. Metode penelitian ialah kausal kuantitatif. Populasi adalah anggota Ciputra Entrepreneur Club Bali. Sampel penelitian dengan metode purposive sampling sebanyak 61 responden. Teknik pengumpulan data menggunakan kuesioner. Analisis menggunakan SPSS Versi 26, yaitu analisis uji validitas, uji reliabilitas, uji asumsi klasik, serta uji hipotesis, termasuk analisis regresi linier berganda, uji statistik t, uji statistik F, dan uji koefisien determinasi. Hasil pengujian membuktikan bahwa literasi keuangan memiliki efek positif dan signifikan pada keputusan investasi, sementara overconfidence dan herding bias memiliki efek negatif dan signifikan. Secara simultan, literasi keuangan, overconfidence, dan herding bias memiliki efek signifikan pada keputusan investasi. Hasil ini mencerminkan kecenderungan investor untuk membuat keputusan investasi yang dipengaruhi oleh tingkat literasi keuangan, overconfidence, dan herding bias.
Co-Authors Ni Kadek Sinarwati Ni Made Ary Widiastini