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All Journal Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan
Nur, Sulistiwati
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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PENGARUH LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI PADA GENERASI MUDA DI KELURAHAN BENJALA KECAMATAN BONTOBAHARI KABUPATEN BULUKUMBA Nur, Sulistiwati; Anwar, Anwar; Aslam, Annisa Paramaswary
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 1 (2025): Sipakainge
Publisher : IAIN Parepare

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Abstract

This study aims to analyze the influence of financial literacy on investment decisions among young people in Benjala Village, Bontobahari District, Bulukumba Regency. Financial literacy in this study includes basic financial knowledge, income and expenditure management, risk understanding, and the use of financial technology. Investment decisions cover understanding investment products, readiness to face risks, and the suitability of investment decisions with personal financial goals.This research uses a quantitative method with an associative approach. Data were obtained through questionnaires distributed to 360 young respondents in Benjala Village, using purposive sampling technique. The data were analyzed using descriptive analysis and simple linear regression to determine the influence of financial literacy on investment decisions.The results show that the financial literacy of young people in Benjala Village is relatively good. Most respondents have adequate understanding of personal financial management and risk, although some still lack in utilizing financial technology and investment planning. Investment decisions also show positive development, but there is still room for improvement in risk preparedness and alignment with personal financial goals. The results of the simple linear regression analysis show that financial literacy has a positive and significant effect on investment decisions among young people in Benjala Village.Based on these findings, it is recommended that young people improve their financial literacy, relevant institutions provide financial education programs, and future researchers expand the research scope to obtain deeper understanding of young people's investment behavior.
Pengaruh Literasi Keuangan terhadap Keputusan Investasi pada Generasi Muda Nur, Sulistiwati; Anwar, Anwar; Aslam, Annisa Paramaswary
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 1 (2025): Sipakainge
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i1.13696

Abstract

This study examines the effect of financial literacy on investment decision-making among young individuals in Benjala Village, Bontobahari District, Bulukumba Regency, Indonesia. Financial literacy is conceptualized across four dimensions: fundamental financial knowledge, income and expenditure management, risk comprehension, and the adoption of financial technology. Investment decisions are assessed based on participants’ understanding of financial products, readiness to face risk, and the alignment of investment actions with personal financial goals. Employing a quantitative research design, the study surveyed 360 purposively selected respondents using a structured questionnaire. Data were analyzed using descriptive statistics and simple linear regression. The findings indicate that financial literacy has a statistically significant and positive impact on investment decision-making. While respondents demonstrated adequate understanding of basic financial management and risk, notable gaps were observed in the use of financial technology and long-term investment planning. These results highlight the importance of strengthening financial literacy, particularly in its practical applications, to support more informed, rational, and goal-oriented investment behavior among youth. The study underscores the need for targeted financial education initiatives and suggests avenues for future research in broader and more diverse population settings.
Co-Authors Anwar Anwar Aslam, Annisa Paramaswary