PENGARUH PENGETAHUAN, SIKAP DAN KESEJAHTERAAN KEUANGAN TERHADAP MINAT BERINVESTASI

Authors

  • Irma Oktarina Safitri Sekolah Tinggi Ilmu Ekonomi YKPN Yogyakarta
  • Frasto Biyanto Sekolah Tinggi Ilmu Ekonomi YKPN Yogyakarta
  • Baldric Siregar Sekolah Tinggi Ilmu Ekonomi YKPN Yogyakarta
  • Miswanto Miswanto Sekolah Tinggi Ilmu Ekonomi YKPN Yogyakarta

Keywords:

Financial Knowledge, Financial Attitude, Financial Well-Being, Investment Interest

Abstract

The purpose of this study was to determine how financial knowledge, financial attitudes, and financial well-being affect investment interest. Using primary data by distributing questionnaires through social media with a purposive sampling method, with 75 samples with the criteria of individuals living in the Special Region of Yogyakarta with the criteria of having a monthly income and being interested in investing. Data were processed using Partial Least Square (PLS) 4 to predict the relationship between variables. The results showed that financial well-being did not affect investment interest, but financial knowledge and attitudes had a significant positive effect on investment interest.

References

Abdul Razak, D., Abdisalan Nor, B., & Fatimah Mohamed Noor, S. (2024). Factors Influencing Sustainability Investment Intentions: An Empirical Investigation (Vol. 18).

Akhtar, F., & Das, N. (2017). Predictors of Investment Intention in Indian Stock Markets: Extending the Theory of Planned Behaviour. International Journal of Bank Marketing, 37(1), 97–119. https://doi.org/10.1108/IJBM-08-2017-0167

Al Kholilah, N., & Iramani, R. (2013). Studi Financial Manegement Behavior Pada Masyarakat Surabaya. In Journal of Business and Banking (Vol. 3, Issue 1).

Ali, A. (2011). Predicting Individual Investors’ Intention to Invest: An Experimental Analysis of Attitude as a Mediator. https://www.researchgate.net/publication/269168739

Amanah, E., Rahadian, D., & Iradianty, A. (2016). Pengaruh Pengetahuan keuangan, Sikap keuangan Dan External Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom. EProceedings of Management.

Anifa, A. S., & Soegiharto, S. (2023). Does The Psychology of Investment Decisions Depend on Risk Perception and Financial Literacy? MAKSIMUM, 13(2), 152. https://doi.org/10.26714/mki.13.2.2023.152-163

Brüggen, E. C., Hogreve, J., Holmlund, M., Kabadayi, S., & Löfgren, M. (2017). Financial well-being: A conceptualization and research agenda. Journal of Business Research, 79, 228–237. https://doi.org/10.1016/j.jbusres.2017.03.013

Data Statistik KSEI. (2024). https://www.ksei.co.id/publications/Data_Statistik_KSEI

Fadila, N., Goso, G., Hamid, R. S., & Ukkas, I. (2022). Pengaruh Literasi Keuangan, Financial Technology, Persepsi Risiko, dan Locus of Control Terhadap Keputusan Investasi Pengusaha Muda. Owner, 6(2), 1633–1643. https://doi.org/10.33395/owner.v6i2.789

Ghozali, I. (2014). Structural Equation Modeling, Metode Alternatif dengan Partial Least Square (PLS) (4th ed.). Badan Penerbit Universitas Diponegoro

Halim, A. (2005). Analisis Investasi. Salemba Empat.

Hamid, A., Mardhiah, A., & Midesia, S. (2019). Factors Influencing the Intention to Stock Investment Among Muslim Investors in Langsa. Share: Jurnal Ekonomi Dan Keuangan Islam, 8(2), 142. https://doi.org/10.22373/share.v8i2.4679

Himmah, A., Imtikhanah, S., Hidayah, R., Akuntansi, P., Muhammadiyah, U., & Pekalongan, P. (2020). Studi Kasus Investor pada BEI Berdomisili Kota Pekalongan. 16.

Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x

Ilyas, M., Moeljadi, & Djawahir, A. H. (2021). The Effect of Financial Knowledge and Financial Well-being on Investment Intention Mediated by Financial Attitude. International Journal of Research in Business and Social Science (2147- 4478), 10(8), 175–188. https://doi.org/10.20525/ijrbs.v10i8.1530

Kabir, M., Shakur, S., & Liu, J. (2011). Risk Aversion and Stockholding Behaviour of US Households. International Research Journal of Finance and Economics, 81, 116–126.

]Kairupan, D. J. I., & Suoth, A. T. (2024). Hubungan Antara Trend Fashion, Literasi Keuangan, Locus of Control, Gaya Hidup, dan Perilaku Konsumtif Mahasiswa di Daerah Istimewa Yogyakarta. Modus, 36(2), 224–243.

Lim, T., Mail, R., Abd Karim, M., Ulum, Z., Jaidi, J., & Noordin, R. (2018). A serial mediation model of financial knowledge on the intention to invest: The central role of risk perception and attitude. Journal of Behavioral and Experimental Finance, 20, 74–79. https://doi.org/https://doi.org/10.1016/j.jbef.2018.08.001

Lim, T., & Qi, P. C. (2023). Investigating the Antecedents of Investment Intention and the Mediating Effect of Investment Self-efficacy among Young Adults in Shandong, China. Global Business and Finance Review, 28(2), 1–16. https://doi.org/10.17549/gbfr.2023.28.2.1

Manurung, H., Bramani, R. Y., & Ricky, I. (2018). Pengaruh Literasi Keuangan Terhadap Intensi Berinvestasi dengan Moderasi Self Regulatory Focus.

Miswanto, M., Tarigan, S. T., Wardhani, S., Khuan, H., Rahmadyanti, E., Jumintono, J., Ranatarisza, M. M., & Machmud, M. (2024). Investigating the Influence of Financial Literacy and Supply Chain Management on the Financial Performance and Sustainability of SMEs. Uncertain Supply Chain Management, 12(1), 407–416. https://doi.org/10.5267/j.uscm.2023.9.01

Mumtaz. (2010). Investasi: Keinginan atau Kebutuhan. Salemba Empat.

Quan, L., Al-Ansi, A., & Han, H. (2022). Assessing Customer Financial Risk Perception and Attitude in The Hotel Industry: Exploring the Role of Protective Measures Against COVID-19. International Journal of Hospitality Management, 101. https://doi.org/10.1016/j.ijhm.2021.10312

She, L., Rasiah, R., Turner, J. J., Guptan, V., & Sharif Nia, H. (2022). Psychological Beliefs and Financial Well-being Among Working Adults: The Mediating Role of Financial Behaviour. International Journal of Social Economics, 49(2), 190–209. https://doi.org/10.1108/IJSE-07-2021-0389

Shehata, S. M., Abdeljawad, A. M., Mazouz, L. A., Aldossary, L. Y. K., Alsaeed, M. Y., & Sayed, M. N. (2021). The Moderating Role of Perceived Risks in the Relationship Between Financial Knowledge and the Intention to Invest in The Saudi Arabian Stock Market. International Journal of Financial Studies, 9(1), 1–16. https://doi.org/10.3390/IJFS9010009

Sivaramakrishnan, S., & Srivastava, M. (2019). Financial Well-being, Risk Avoidance and Stock Market Participation. International Journal of Financial Services Management, 9(4), 326. https://doi.org/10.1504/ijfsm.2019.10024217

Sriasih, N. P., & Wahyuni, M. A. (2020). Determinan Minat Berinvestasi Mahasiswa di Pasar Modal. Ekuitas: Jurnal Pendidikan Ekonomi, 8(2), 190–195.

Utkarsh, Pandey, A., Ashta, A., Spiegelman, E., & Sutan, A. (2020). Catch Them Young: Impact of Financial Socialization, Financial Literacy and Attitude Towards Money on Financial Well-being of Young Adults. International Journal of Consumer Studies, 44(6), 531–541. https://doi.org/10.1111/ijcs.12583

Yoopetch, C., & Chaithanapat, P. (2021). The Effect of Financial Attitude, Financial Behavior and Subjective Norm on Stock Investment intention. Kasetsart Journal of Social Sciences, 42(3), 501–508. https://doi.org/10.34044/j.kjss.2021.42.3.08

Yulianti, N., & Silvy, M. (2013). Sikap Pengelola Keuangan dan Perilaku Perencanaan Investasi Keluarga di Surabaya. In Journal of Business and Banking (Vol. 3, Issue 1).

Downloads

Published

2025-03-12

How to Cite

Irma Oktarina Safitri, Frasto Biyanto, Baldric Siregar, & Miswanto, M. (2025). PENGARUH PENGETAHUAN, SIKAP DAN KESEJAHTERAAN KEUANGAN TERHADAP MINAT BERINVESTASI. Juremi: Jurnal Riset Ekonomi, 4(5), 1089–1100. Retrieved from https://mail.bajangjournal.com/index.php/Juremi/article/view/9951

Issue

Section

Articles