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All Journal Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Jurnal Publikasi Ekonomi dan Akuntansi
Ririn Indriastuti
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Pengalaman Investasi, Risk Tolerance, dan Influencer Sosial Media terhadap Keputusan Investasi dengan Literasi Keuangan sebagai Variabel Moderasi Jumiyani Jumiyani; Edi Wibowo; Ririn Indriastuti
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 3 No. 3 (2024): September : Digital Bisnis : Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v3i3.3243

Abstract

The aim of this research is to analyze the effect of investment experience, risk tolerance, and social media influencers on investment decisions with financial literacy as a moderating variable. The population in this study were capital market investors in Surakarta City but the exact number of investors was unknown The sampling technique used was purposive sampling. The results of the analysis state that investment experience has a positive and insignificant effect on generation Z investment decisions in Surakarta City because it has an original sample coefficient value of 0.094 (positive), t-statistic value 1.314 < 1.96 and P-value 0.189 ≥ 0.05, risk tolerance has a positive and insignificant effect on generation Z investment decisions in Surakarta City because it has an original sample coefficient value of 0.014 (positive), t-statistic 0.162 < 1.96 and P-value 0.871 ≥ 0.05, social media influencers have a positive and significant effect on generation Z investment decisions in Surakarta City because they have an original sample coefficient value of 0, 282 (positive), t-statistic 2.468 > 1.96 and P-value 0.014 < 0.05, financial literacy does not moderate the effect of investment experience on investment decisions because it has an original sample coefficient value of -0.071 (negative), t-statistic 1.320 < 1.96 and P-value 0.187 ≥ 0.05, financial literacy moderates the effect of risk tolerance on investment decisions because it has an original sample coefficient value of 0.247 (positive), t-statistic 3.130> 1.96 and P-value 0.002 < 0.05, financial literacy moderates the influence of social media influencers on investment decisions because it has a coefficient value of -0.173 (negative), t-statistic 2.237> 1.96 and P-value 0.026 < 0.05.
Pengaruh Literasi Keuangan, Inovasi Produk dan Inklusi Keuangan terhadap Kinerja Keuangan Umkm Kuliner: Studi Kasus Pada UMKM Kuliner di Alun-alun Kidul Kota Surakarta Devi Citra Oktavia; Suprihatmi Suprihatmi; Ririn Indriastuti
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 1 (2026): Januari: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i1.5428

Abstract

Small and medium enterprises (SMEs) are one sector that contributes to the economic growth of a country or region by creating new jobs. One such sector is the culinary MSMEs in Alun-Alun Kidul, Surakarta City. The purpose of this study was to determine the influence of financial literacy, product innovation, and financial inclusion on the financial performance of culinary MSMEs in Alun-Alun Kidul, Surakarta City.This study uses quantitative data. The data source uses primary data. This study used a sample of 100 respondents with a sampling technique using purposive sampling. Data collection techniques used questionnaires, literature studies, and observations. Data analysis techniques used multiple linear regression analysis methods, t-tests, F-tests, and determination tests. The results of this study indicate that financial literacy does not significantly influence the financial performance of culinary MSMEs in Alun-alun Kidul, Surakarta City. Product innovation has a significant effect on the financial performance of culinary MSMEs in Alun-alun Kidul, Surakarta City. Financial inclusion does not significantly influence the financial performance of culinary MSMEs in Alun-alun Kidul, Surakarta City. The F-test results in this study showed a calculated F-value of 29.124 with a significance value (p-value) of 0.000 <0.05. Therefore, Ho is rejected and Ha is accepted. This means that the model used is appropriate for predicting the influence of the independent variables (financial literacy, product innovation, and financial inclusion) on the dependent variable (financial performance). The coefficient of determination (R²) for this model is 0.514 or 51.4%. This indicates that the independent variables X1 (financial literacy), X2 (product innovation), and X3 (financial inclusion) contribute 50% to Y (financial performance). The remaining 50% is explained by variables outside the model.
Co-Authors Devi Citra Oktavia Edi Wibowo Jumiyani Jumiyani Suprihatmi Suprihatmi