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All Journal Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING
Rafi Faisal, Muhammad
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Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering

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Journal : ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING

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Locus of Control dan Financial Technology dalam Memoderasi Pengaruh Literasi Keuangan Terhadap Keputusan Investasi Rafi Faisal, Muhammad; Susilowati, Endah
ARBITRASE: Journal of Economics and Accounting Vol. 6 No. 2 (2025): November 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v6i1.2566

Abstract

This study aims to examine the effect of financial literacy on investment decisions and explore the moderating role of locus of control and financial technology among accounting students at UPN Veteran East Java. A quantitative approach was used with a survey method involving 93 respondents, and data analysis was conducted using Partial Least Square Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4. The results of the study indicate that financial literacy has a significant effect on investment decisions, with a T-statistic value of 3.073 and a P-value of 0.002. However, neither locus of control (T-statistic = 0.584; P-value = 0.559) nor financial technology (T-statistic = 0.702; P-value = 0.483) was found to moderate the relationship between financial literacy and investment decisions. The R-square value of 0.728 indicates that 72.8% of the investment decision variables can be explained by this model. These findings emphasize the importance of financial literacy in supporting rational investment decision-making, as well as the need to optimize the role of psychological factors and financial technology in the process.
Co-Authors Eko Sakti Pramukantoro, Eko Sakti Endah Susilowati Mahendra Data