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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Al-Aziz, Aisyah Amalia
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Literasi Keuangan, Perilaku Keuangan, dan Pendapatan Terhadap Keputusan Investasi pada Mahasiswa Akuntansi Udinus Al-Aziz, Aisyah Amalia; Septriana, Ira; Durya, Ngurah Pandji Mertha Agung; Oktafiyani, Melati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.9201

Abstract

This study aims to analyze the influence of financial literacy, financial behavior, and income on the investment decisions of undergraduate accounting students at Dian Nuswantoro University. The background of this study is based on the increasing trend of investment among Gen Z and various findings from previous studies on the factors that influence investment decisions. This study employs a quantitative approach using a survey method via a questionnaire administered to 92 respondents selected through stratified random sampling. Data were analyzed using multiple linear regression analysis with the assistance of SPSS 27. The results indicate that financial behavior and income have a positive and significant influence on investment decisions, while financial literacy does not have a significant influence. These findings confirm that attitudes and actual financial conditions play a more dominant role in shaping students' investment decisions than their level of financial knowledge. This study has important implications for financial education and the promotion of healthy financial behavior among students.
Co-Authors Durya, Ngurah Pandji Mertha Agung Ira Septriana, Ira Melati Oktafiyani