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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Golden Ratio of Finance Management
Sri Rejeki, Nadia
Unknown Affiliation
Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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The Role of Fintech in Mediating the Influence of Financial Efficiency and Risk Perception on Investment Decisions in the Capital Market Danang Setiawan, Riskal; Suhardi, S.; Astuti, Nelly; Sri Rejeki, Nadia
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1185

Abstract

This study analyzes the relationship between financial efficacy, the use of fintech services, investment decisions, and risk perception in the context of financial technology adoption and investment decision-making. The regression analysis results show that the model can explain variations in using fintech services and investment decisions. These findings suggest that although the model is relevant in explaining the factors that influence both variables, other external factors contribute to variation in individual financial decision-making. Path analysis shows financial efficacy positively and significantly influences fintech services and investment decisions. In addition, using fintech services also plays a role in encouraging investment decisions, with a path coefficient of the same size. Other findings suggest that risk perception has a positive relationship with fintech adoption, indicating that individuals with higher risk awareness are more likely to turn to fintech services to access more transparent and secure financial information. The implications of this study highlight the importance of financial education in increasing individual confidence in managing finances and the role of fintech in accelerating financial inclusion and investment participation. This research recommends strengthening digital financial literacy and developing policies that support the adoption of financial technology to increase the effectiveness of financial decision-making in the community.
FINANCIAL LITERACY, POLICIES AND REGULATIONS, INFRASTRUCTURE FACILITIES AND FINANCIAL INCLUSION FOR MICRO, SMALL, AND MEDIUM BUSINESS OWNERS Zumalia; Suhardi; Firdaus, Rahmad; Sri Rejeki, Nadia
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 4 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i4.2653

Abstract

This study examines the influence of Financial Literacy on Financial Inclusion by considering the role of Infrastructural Facility and Policy and Regulation as mediation variables. The study was conducted on MSMEs in the city of Pangkalpinang with 224 respondents, Data collection was carried out by distributing questionnaires online using Google Forms. The results of the analysis show that Financial Literacy has a significant effect on Financial Inclusion, both directly and through the Infrastructural Facility. On the other hand, mediation through Policy and Regulation is not significant, indicating that political regulation has not played an optimal role in increasing financial inclusion. These findings emphasize the importance of encouraging investment in strengthening infrastructure such as fintech networks and banking services in remote areas as an effective strategy in encouraging wider access to finance. In addition, regulations related to political and financial policies need to be evaluated to be more adaptive and effective in supporting people's financial literacy and access. More applicable financial education programs also need to be expanded through cooperation between the government, the private sector, and MSMEs to increase public understanding and participation in the formal financial system. Further research is suggested to explore additional factors and use a longitudinal approach to gain a more comprehensive understanding.
Co-Authors Danang Setiawan, Riskal Nelly Astuti Rahmad Firdaus Suhardi Suhardi Suhardi Zumalia