<![CDATA[The depreciation of money due to time makes the future value of money smaller than the present value of money, so that people are required to make the right choice to allocate their income. People are often unprepared to face economic inequality because they do not prepare reserve funds. The importance of investment as a long-term reserve fund is often overlooked. Several factors that influence a person's investment decisions are self-efficacy and financial literacy factors, which are then reinforced by behavioral finance theory. The purpose of this study was to determine how the variables of self-efficacy and financial literacy influence the variables of investment decisions. The method used is quantitative descriptive with primary data sources in the form of distributing questionnaires with a likert scale of 1-4. The population is UMKM employees and sampling using the cochran formula with random sampling techniques so that a minimum sample size of 97 samples is obtained. The data was then processed using IBM SPSS vs. 26 software. The results showed that the variables of Self-Efficacy (X1) and the variables of Financial Literacy (X2) had a simultaneous effect on the variable of Investment Decisions (Y).]]>
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