Pengaruh Financial Attitude, Inklusi Keuangan, Literasi keuangan, Locus Of Control, terhadap Keputusan Investasi dengan Pengelolaan Keuangan sebagai Variabel Intervening

Eka Sariningsih; Indah Lia Puspita; Indah Susanti; Lora Susanti; Rosida Rosida

doi:10.61132/bima.v4i2.3131

Authors

Eka Sariningsih Universitas Malahayati Bandar Lampung
Indah Lia Puspita Universitas Malahayati Bandar Lampung
Indah Susanti Universitas Malahayati Bandar Lampung
Lora Susanti Universitas Malahayati Bandar Lampung
Rosida Rosida Universitas Malahayati Bandar Lampung

DOI:

https://doi.org/10.61132/bima.v4i2.3131

Keywords:

Financial Attitude, Financial Inclusion, Financial Literacy, Financial Management, Investment Decisions

Abstract

Rapid developments in finance and investment require students to effectively manage their personal finances and make informed investment decisions. This ability is influenced by several factors, such as financial attitude, financial inclusion, financial literacy, and locus of control, which can shape how a person manages their finances. This study aims to investigate the impact of financial attitudes, access to financial services, financial knowledge, and a control mindset on students' investment decision-making, with financial management serving as an intervening variable. This study employed a quantitative survey method. Data were collected through questionnaires distributed to one hundred active accounting students at Malahayati University. The sample was selected using targeted sampling. SmartPLS 3.0 software was used to analyze the PLS-SEM data. Bootstrapping techniques were used to examine direct and indirect relationships between variables. The results of this study indicate that financial attitude and financial inclusion have a positive and significant effect on students' financial management and investment decisions. Furthermore, financial attitude and financial inclusion also exhibit a significant indirect effect on investment decisions through financial management as an intervening variable. Conversely, financial literacy and locus of control do not have a significant effect on investment decisions. Financial management has been shown to have a positive and significant impact on investment decisions. These findings indicate that financial management plays a crucial role in improving students' investment decisions.

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