PENGARUH LITERASI KEUANGAN, PERILAKU KEUANGAN, DAN PENDAPATAN TERHADAP KEPUTUSAN BERINVESTASI MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NEGERI MANADO

Stefina Natalia Hengkeng, Ramon Tumiwa, Lihard Lumapow

Abstract


To reap greater rewards in the future, investment is a sacrifice made now. Capital or also called funds is one of the requirements for making an investment. The more opinions and experience a person has in managing finances, the better he can manage his finances for the future by considering risks that will occur and providing tolerance for these risks. Apart from knowledge about finance, opinions and experience in investing also influence investment decisions. This article focuses on the graduating class of 2019 from the Faculty of Economics and Business Management and examines the investment decisions that they made in light of their degrees of financial literacy, their financial habits, and their incomes. This was a quantitative study that used an associative research technique and a survey-based data collection strategy. The sample size for this study was 111 participants. The t test, multiple correlation, and linear regression were some of the analytical methods that were used. According to the conclusions of this research, one's level of financial literacy (X1) does not have a substantial impact on one's financial outcomes (Y). Individual financial behavior (X2) has a considerable effect on investment decisions (Y). It was revealed that income (X3) had a substantial effect on investment decisions in a case study that was carried out with the Class of 2019 in the Management Study Program at Manado State University's Faculty of Economics and Business (Y).


Keywords : Financial Literacy, Financial Behavior, Income, Investation Decision


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