The Influence of Financial Literacy, Financial Behavior, and Income on Investment Decisions (2018 Student Case Study for Management Study Program Universitas Muhammadiyah Sumatera Utara)

Sri Fitri Wahyuni, Radiman Radiman, Rita Nara

Abstract


An investment decision is to set aside some stages to try to obtain investment returns or profits in the future. One of the factors needed to make an investment is capital or funds. The author's goal is to see the effect of financial literacy, financial behavior, income from decisions on students of the faculty of economics, management study program class of 2018. The number of samples in this study were 84 and using the Slovin formula. The technical analysis in this study uses multiple linear regression analysis, multiple correlation, termination, t test and F test. The results of this study indicate that financial literacy (X1) has a positive and significant effect on entry decisions (Y). Financial behavior (X2) has no effect on successful decisions (Y). Income (X3) has no effect on successful decisions (Y). Financial literacy, financial behavior, income simultaneously have a significant effect on investing decisions (a case study of students of the 2018 class of management study program at the Muhammadiyah University of North Sumatra).

 

Keywords: Financial Literacy, Behavior, Income, Investment Decisions.

Full Text:

PDF

References


Asrizal Efendy Nasution, M. T. L. (2019). The Influence of Organizational Culture and Individual Characteristic on Employee Job Satisfaction at PT. Garuda Indonesia (Persero) Tbk Medan. Journal of International Conference Proceedings (JICP), 2(3), 321–328. Retrieved from file:///C:/Users/User/Downloads/677-1288-1-SM.pdf

Halim, A. (2005). Manajemen Investasi. Jakarta: Salemba Empat.

Ismanto, H., Widiastuti, A., Muharam, H., Pangestuti, I. R. D., & Rofiq, F. (2019). Perbankan Dan Literasi Keuangan. CV. Budi Utama.

Jufrizen, J., Gunawan, A., Radiman, R., & Sari, M. (2019). Analisis Penyaluran Kredit Kepada Masyarakat Dalam Meningkatkan Perolehan Pendapatan. Ekonomikawan: Jurnal Ilmu Ekonomi Dan Studi Pembangunan, 19(1), 67–75. Retrieved from https://doi.org/10.30596/ekonomikawan.v19i1.2891

Juliandi, A., Irfan., I., & Manurung, S. (2015). Metode Penelitian Bisnis Konsep dan Aplikasi. Medan: UMSU PRESS.

Julita Julita, N. A. (2019). Independensi Entrepeneur With Digital Marketing. Journal of International Conference Proceedings, 2(3), 116–121. doi:https://doi.org/10.32535/jicp.v2i3.652

Murviana Koto, Hastina Febriaty, S. M. A. N. (2019). The Effect of career adaptability and social support toward student careerself-efficacy. International Journal of Accounting & Finance in Asia Pasific (IJAFAP), 2(3), 54–64. doi:https://doi.org/10.32535/ijafap.v2i3.584

Nel Arianti. (2016). Manajemen Sumber Daya Manusia. Perdana Publishing.

Nel Arianty, J. J. (2019). The Impact Of Social Media Use On SME Progress. Journal of International Conference Proceedings (JICP), 2(3), 176–182. doi:https://doi.org/10.32535/jicp.v2i3.660

Nofsinger, J. R. (2001). Investment Madness : How Psychology Affects You Investing And What To Do About It. Prentice Hall.

Pulungan, D. R. (2020). Analisis perilaku keuangan mahasiswa yang dipengaruhi oleh literasi keuangan dan pendapatan orang tua. Budi Daya Perkebunan, STIPER Agrobisnis Perkebunan, 162–173.

Rahardja, & M. (2001). Teori Ekonomi Makro : Suatu Pengantar. Jakarta: Fakultas Ekonomi Universitas Indonesia.

Rambe, M. F., Gunawan, A., Julita, Parlindungan, R., & Gultom, D. K. (2017). Pengantar Manajemen Keuangan. Medan: Perdana Mulya Sarana.

Rudianto. (2009). Akuntansi Manajemen. Yogyakarta: Grasindo.

Shefrin, H. (2000). Beyond Greed And Fear : Understanding Behavioral Finance And Psychology Of Investing. Harvard Business School Press.

Soemarso. (2009). Akuntansi Suatu Pengantar. Jakarta: Salemba Empat.

Soetiono, K. S., & Setiawan, C. (2018). Literasi dan inklusi keuangan indonesia. Jakarta: PT Raja Grafindo Persada.

Sugiyono, S. (2017). Metode Penelitan Administrasi. Alfabeta.

Sukirno, S. (2004). Makro Ekonomi Teori Pengantar. Jakarta: PT Raja Grafindo Persada.

Sukirno, S. (2006). Ekonomi Pembangunan. Jakarta: Kencana Prenada Media Group.




DOI: https://doi.org/10.32535/jicp.v5i2.1709

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Sri Fitri Wahyuni, Radiman Radiman, Rita Nara

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Flag Counter

Published by:

AIBPM Publisher

Editorial Office:

JL. Kahuripan No. 9 Hotel Sahid Montana, Malang, Indonesia
Phone:+62 341 366222
Email: journal.jicp@gmail.com
Website:http://ejournal.aibpmjournals.com/index.php/JICP

Supported by: Association of International Business & Professional Management

If you are interested to get the journal subscription you can contact us at admin@aibpm.org.

ISSN 2622-0989 (Print)
ISSN 2621-993X (Online)

DOI:Prefix 10.32535 by CrossREF

Journal of International Conference Proceedings (JICP) INDEXED:

 

In Process


This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.