<![CDATA[This research aims to analyze the influence of financial knowledge, risk tolerance, and social influence on bond investment interest, with gender as a moderating variable, among productive-age workers in Semarang. A quantitative approach was employed using questionnaire data collected from 100 respondents aged 25–49 years. The data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, partial hypothesis testing (t-test), and Moderated Regression Analysis (MRA). The findings reveal that financial knowledge, risk tolerance, and social influence each have a positive and significant effect on bond investment interest. Furthermore, the moderating analysis indicates that gender weakens the effects of financial knowledge and risk tolerance on bond investment interest but strengthens the effect of social influence. These findings suggest that both individual financial capabilities and external social factors contribute to bond investment interest among productive-age workers. Gender also affects the strength of the relationships between the independent variables and bond investment interest, indicating its role as a moderating factor.]]>
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