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All Journal Ilomata International Journal of Management Ilomata International Journal of Management Abdimas Indonesian Journal Society
Sri Lestari Pujiastuti, Sri Lestari
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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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 Ami Pujiwati Andriyansah . Ginta Ginting, Ginta Hadiwidjaja, Rini Dwiyani Hidayah, Zainur Imas Maesaroh Irmawaty, Irmawaty Ledy Yolanda Maria, Maya Nasoha, Mohamad Nenah Sunarsih Praningtyas, Elisabeth Ria Viana Rakhmini Juwita Riana, Kurnia Endah Rini Subekti Sylvana, Andi